/* ==========================================================================
   אסתר ז'אן איבגי · ייעוץ משכנתאות — redesign by Feldman Digital
   Brand: logo navy + khaki gold. Font: Google Sans.
   ========================================================================== */
@font-face{font-family:"Google Sans";src:url(../fonts/GoogleSans-400.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Google Sans";src:url(../fonts/GoogleSans-500.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Google Sans";src:url(../fonts/GoogleSans-700.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --navy:#14104a;
  --navy-2:#0c0a2e;
  --indigo:#25209a;
  --gold:#c9a86a;
  --gold-2:#e6cf9f;
  --gold-ink:#7f6840;      /* gold text on light bg (AA) */
  --ivory:#f8f6f1;
  --mist:#f0eef7;
  --ink:#191736;
  --muted:#5a5873;
  --line:rgba(20,16,74,.12);
  --r:22px;
  --gut:clamp(22px,4.5vw,64px);
  --max:1400px;
  --ease:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;overflow-x:clip}
html.lenis,html.lenis body{height:auto}
.lenis.lenis-smooth{scroll-behavior:auto!important}
body{margin:0;background:var(--ivory);color:var(--ink);font:400 17px/1.8 "Google Sans","Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased}
img,video{display:block;max-width:100%}
a{color:inherit}
button{font:inherit;color:inherit}
h1,h2,h3,p,ul,ol,blockquote,figure{margin:0;padding:0}
ul,ol{list-style:none}
svg{width:1em;height:1em;flex:none}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:fixed;top:-60px;right:16px;z-index:300;background:var(--navy);color:#fff;padding:10px 18px;border-radius:99px}
.skip:focus{top:16px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 var(--gut)}
.center{text-align:center}
.h-xl{font-weight:700;font-size:clamp(38px,5vw,72px);line-height:1.05;letter-spacing:-.02em;color:var(--navy)}
.h-lg{font-weight:700;font-size:clamp(32px,3.6vw,54px);line-height:1.1;letter-spacing:-.02em}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-weight:500;font-size:16px;color:var(--gold-ink);margin-bottom:14px}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;height:54px;padding:0 28px;border-radius:99px;border:0;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer;white-space:nowrap;position:relative;isolation:isolate;overflow:hidden;transition:color .35s var(--ease),box-shadow .35s var(--ease)}
.btn svg{width:18px;height:18px}
.btn::after{content:"";position:absolute;inset:0;z-index:-1;border-radius:inherit;transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}
.btn:hover::after{transform:scaleX(1)}
.btn--navy{background:linear-gradient(90deg,var(--navy),var(--indigo));color:#fff}
.btn--navy::after{background:var(--gold)}
.btn--navy:hover{color:var(--navy)}
.btn--gold{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:var(--navy);box-shadow:0 10px 30px -10px rgba(201,168,106,.7)}
.btn--gold::after{background:#fff}
.btn--line{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--navy)}
.btn--line::after{background:var(--navy)}
.btn--line:hover{color:#fff}
.btn--sm{height:44px;padding:0 20px;font-size:15px}
.btn--lg{height:62px;padding:0 34px;font-size:17px}
.btn--lg svg{transition:transform .4s var(--ease)}
.btn--lg:hover svg{transform:translateX(-5px)}

/* ============ NAV ============ */
.nav{position:fixed;top:14px;right:0;left:0;z-index:100;padding:0 var(--gut);transition:transform .5s var(--ease)}
.nav.is-hidden{transform:translateY(-140%)}
.nav__bar{max-width:var(--max);margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px;padding:0 14px 0 22px;border-radius:99px;background:rgba(255,255,255,.72);backdrop-filter:blur(18px) saturate(1.4);-webkit-backdrop-filter:blur(18px) saturate(1.4);box-shadow:0 10px 40px -18px rgba(20,16,74,.35);border:1px solid rgba(255,255,255,.7)}
.nav__logo img{height:46px;width:auto}
.nav__menu{display:flex;gap:6px}
.nav__menu a{position:relative;text-decoration:none;font-weight:500;font-size:16px;padding:10px 16px;border-radius:99px;transition:background .3s,color .3s}
.nav__menu a:hover,.nav__menu a.is-on{background:var(--mist);color:var(--navy)}
.nav__end{display:flex;align-items:center;gap:14px}
.nav__social{display:flex;gap:6px}
.nav__social a{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:#fff;transition:transform .35s var(--ease),background .3s}
.nav__social a:hover{transform:translateY(-3px);background:var(--navy)}
.nav__social svg{width:16px;height:16px}
.burger{display:none;width:46px;height:46px;border-radius:50%;border:0;background:var(--navy);cursor:pointer;position:relative}
.burger span{position:absolute;right:14px;left:14px;height:2px;background:#fff;border-radius:2px;transition:transform .4s var(--ease)}
.burger span:first-child{top:18px}.burger span:last-child{top:26px}
.burger[aria-expanded="true"] span:first-child{transform:translateY(4px) rotate(45deg)}
.burger[aria-expanded="true"] span:last-child{transform:translateY(-4px) rotate(-45deg)}
.mmenu{position:fixed;inset:0;z-index:90;background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:flex-start;gap:28px;padding:110px var(--gut) 40px;overflow-y:auto}
.mmenu nav{display:flex;flex-direction:column;gap:6px}
.mmenu nav a{font-weight:700;font-size:clamp(34px,9vw,50px);text-decoration:none;line-height:1.3}
.mmenu .btn{align-self:flex-start}

/* ============ HERO ============ */
.hero{position:relative;padding:150px 0 60px;overflow:hidden;background:radial-gradient(120% 80% at 10% 0%,#ece8fb 0%,transparent 55%),radial-gradient(70% 60% at 100% 30%,#f6eedd 0%,transparent 60%),var(--ivory)}
.hero__bg{position:absolute;inset:0;pointer-events:none}
.intro .hero__text,.intro .hero__visual,.intro .dock{visibility:hidden}
.hero::after{content:"";position:absolute;right:0;left:0;bottom:0;height:42%;background:linear-gradient(rgba(248,246,241,0),var(--ivory) 85%);pointer-events:none}
.hero__grid,.hero .wrap{position:relative;z-index:1}
.hero__glow{position:absolute;width:60vw;aspect-ratio:1;left:-10vw;top:10%;border-radius:50%;background:radial-gradient(circle,rgba(37,32,154,.12),transparent 60%);filter:blur(10px)}
.hero__house{position:absolute;left:4%;top:120px;width:min(48vw,640px);height:auto;fill:none;stroke:var(--navy);stroke-width:.9;opacity:.08}
.hero__grid{position:relative;display:grid;grid-template-columns:1.05fr 1fr;align-items:end;gap:30px}
.hero__text{padding-bottom:clamp(60px,10vh,120px)}
.tags{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:26px}
.tags li{display:inline-flex;align-items:center;gap:10px;padding:8px 18px 8px 14px;border-radius:99px;background:#fff;box-shadow:0 6px 20px -10px rgba(20,16,74,.3);font-weight:500;font-size:15px;color:var(--navy)}
.tags i{width:22px;height:22px;border-radius:50%;background:var(--gold);position:relative;flex:none}
.tags i::after{content:"";position:absolute;left:7px;top:5px;width:6px;height:10px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.hero__intro{font-weight:500;font-size:clamp(18px,1.6vw,22px);color:var(--gold-ink)}
.hero__name{font-weight:700;font-size:clamp(22px,2vw,28px);color:var(--navy);margin-top:4px}
.hero__title{font-weight:700;font-size:clamp(34px,3.7vw,62px);line-height:1.04;letter-spacing:-.03em;color:var(--navy);margin-top:18px}
.hero__title .ln{display:block;white-space:nowrap;overflow:hidden;padding-bottom:.08em;margin-bottom:-.08em}
.hero__title .lni{display:inline-block}
.hero__title mark{background:none;color:inherit;position:relative}
.hero__title mark::after{content:"";position:absolute;right:0;left:0;bottom:.06em;height:.2em;background:linear-gradient(90deg,var(--gold-2),var(--gold));border-radius:9px;z-index:-1;transform:scaleX(var(--u,1));transform-origin:right}
.hero__sub{margin-top:26px;font-size:clamp(17px,1.35vw,20px);line-height:1.8;color:var(--muted)}
.hero__visual{position:relative;align-self:end;display:flex;justify-content:center}
.hero__ring{position:absolute;bottom:0;width:94%;aspect-ratio:1;border-radius:50%;background:radial-gradient(circle at 50% 35%,var(--indigo),var(--navy) 60%,var(--navy-2));box-shadow:0 40px 80px -30px rgba(20,16,74,.6)}
.hero__ring::before{content:"";position:absolute;inset:-14px;border-radius:50%;border:1.5px dashed rgba(201,168,106,.7);animation:spin 60s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.hero__photo{position:relative;width:min(100%,640px);height:auto;filter:drop-shadow(0 20px 30px rgba(12,10,46,.25))}
.float{position:absolute;display:grid;place-items:center;border-radius:20px;background:rgba(255,255,255,.85);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);box-shadow:0 20px 40px -18px rgba(20,16,74,.4);color:var(--navy)}
.float--a{width:96px;height:96px;top:20%;right:2%}
.float--a svg{width:52px;height:42px}
.float--b{width:76px;height:76px;bottom:30%;left:4%;border-radius:50%;background:linear-gradient(135deg,var(--gold-2),var(--gold))}
.float--b b{font-size:30px;font-weight:700}

/* contact dock */
.dock{position:relative;z-index:3;display:flex;align-items:center;flex-wrap:wrap;gap:8px;margin-top:-36px;padding:14px;border-radius:28px;background:#fff;box-shadow:0 30px 60px -30px rgba(20,16,74,.45)}
.dock__item{display:flex;align-items:center;gap:10px;padding:8px 14px 8px 8px;border-radius:99px;text-decoration:none;font-weight:500;font-size:15px;transition:background .3s}
.dock__item:hover{background:var(--mist)}
.dock__ic{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--mist);color:var(--navy);transition:background .3s,color .3s,transform .4s var(--ease)}
.dock__item:hover .dock__ic{background:var(--navy);color:var(--gold-2);transform:rotate(-10deg) scale(1.08)}
.dock__ic svg{width:19px;height:19px}
.dock__save{margin-right:auto}

/* ============ REFINANCE ============ */
.refi{padding:clamp(30px,6vh,80px) 0 0}
.refi__grid,.final__grid{width:calc(100% - 2 * var(--gut));max-width:calc(var(--max) - 2 * var(--gut))}
.refi__grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:40px;padding:clamp(34px,5vw,70px);border-radius:36px;background:radial-gradient(90% 120% at 100% 0%,#2a249f 0%,transparent 60%),linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;overflow:hidden}
.refi__grid::after{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Cpath d='M40 0H0v40' fill='none' stroke='white' stroke-opacity='.05'/%3E%3C/svg%3E");pointer-events:none}
.refi__txt{position:relative;z-index:1}
.refi__h{font-weight:700;font-size:clamp(30px,3.4vw,50px);line-height:1.12;letter-spacing:-.02em}
.refi__sub{margin:20px 0 34px;font-size:clamp(17px,1.4vw,21px);color:var(--gold-2)}
.refi__chart{position:relative;z-index:1;height:clamp(230px,25vw,320px);margin-bottom:46px}
.chart__y span{position:absolute;left:0;transform:translateY(-125%);font-size:12px;color:rgba(255,255,255,.5);direction:ltr}
.chart__x{position:absolute;left:0;right:0;bottom:-28px;display:flex;justify-content:space-between;direction:ltr;font-size:12px;color:rgba(255,255,255,.55)}
.chart__note{position:absolute;right:0;bottom:-50px;font-size:11px;color:rgba(255,255,255,.45)}
.chart__badge,.chart__save{position:absolute;z-index:2;display:flex;flex-direction:column;line-height:1.15;padding:8px 14px;border-radius:14px;white-space:nowrap}
.chart__badge small,.chart__save small{font-size:12px;opacity:.8}
.chart__badge b,.chart__save b{font-size:20px;font-weight:700;direction:ltr;text-align:right}
.chart__badge--old{left:34%;top:calc(23% - 66px);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.85)}
.chart__badge--new{right:0;top:calc(79% - 98px);background:linear-gradient(135deg,var(--gold-2),var(--gold));color:var(--navy);box-shadow:0 14px 30px -12px rgba(201,168,106,.8)}
.chart__save{left:20%;bottom:4%;background:rgba(12,10,46,.55);border:1px solid rgba(201,168,106,.5)}
.chart__save b{font-size:28px;color:var(--gold-2)}
.refi__chart svg{width:100%;height:100%;overflow:visible}
.chart__grid path{stroke:rgba(255,255,255,.1);stroke-width:1}
.chart__old{fill:none;stroke:rgba(255,255,255,.35);stroke-width:2.5;stroke-dasharray:8 8}
.chart__new{fill:none;stroke:var(--gold);stroke-width:4.5;stroke-linecap:round;filter:drop-shadow(0 0 8px rgba(201,168,106,.6))}
.chart__dot{fill:var(--gold-2);stroke:#fff;stroke-width:3}

/* ============ ABOUT ============ */
.about{padding:clamp(100px,14vh,170px) 0}
.about__grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(40px,7vw,110px);align-items:start}
.about__media{position:sticky;top:120px}
.about__frame{position:relative;border-radius:200px 200px var(--r) var(--r);overflow:hidden;aspect-ratio:4/5}
.about__frame img{width:100%;height:115%;object-fit:cover;object-position:top}
.about__media::before{content:"";position:absolute;inset:22px -22px -22px 22px;border-radius:200px 200px var(--r) var(--r);border:2px solid var(--gold);z-index:-1}
.about__house{position:absolute;width:120px;height:96px;bottom:-30px;right:-30px;color:var(--navy);background:var(--ivory);padding:14px;border-radius:24px;box-shadow:0 20px 40px -20px rgba(20,16,74,.4)}
.about__txt .h-lg{color:var(--navy);margin-bottom:22px}
.about__body p{font-size:clamp(16px,1.1vw,18px);line-height:1.85;margin-bottom:14px;color:var(--ink)}
.about__body b{font-weight:700;color:var(--navy);background:linear-gradient(transparent 62%,rgba(201,168,106,.35) 62%)}
.about__body .w{opacity:.18}

/* ============ SERVICES ============ */
.services{padding:clamp(100px,14vh,170px) 0;background:linear-gradient(180deg,var(--navy-2),var(--navy));color:#fff;position:relative;overflow:hidden}
.services .h-xl{color:#fff}
.services::before{content:"";position:absolute;width:70vw;aspect-ratio:1;right:-25vw;top:-30vw;border-radius:50%;background:radial-gradient(circle,rgba(201,168,106,.18),transparent 60%)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:clamp(50px,8vh,80px);perspective:1200px}
.svc{position:relative;padding:clamp(28px,2.6vw,40px);border-radius:var(--r);background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);overflow:hidden;transform-style:preserve-3d;transition:border-color .4s,background .4s}
.svc:hover{border-color:rgba(201,168,106,.55);background:rgba(255,255,255,.07)}
.svc__glow{position:absolute;width:340px;height:340px;left:var(--mx,50%);top:var(--my,50%);margin:-170px 0 0 -170px;border-radius:50%;background:radial-gradient(circle,rgba(201,168,106,.28),transparent 65%);opacity:0;transition:opacity .4s;pointer-events:none}
.svc:hover .svc__glow{opacity:1}
.svc__ic{width:58px;height:58px;fill:none;stroke:var(--gold);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;margin-bottom:26px}
.svc h3{font-weight:700;font-size:clamp(22px,1.9vw,28px);margin-bottom:12px}
.svc p{color:rgba(255,255,255,.78);font-size:16px;line-height:1.85}

/* ============ LEAD FORM ============ */
.lead{margin-top:-1px;background:linear-gradient(var(--navy) 50%,var(--ivory) 50%);padding:0 0 clamp(80px,12vh,140px)}
.lead__box{display:grid;grid-template-columns:1fr 1.4fr;align-items:center;gap:30px;padding:clamp(26px,3.4vw,46px);border-radius:30px;background:linear-gradient(135deg,var(--gold-2),var(--gold));box-shadow:0 40px 80px -40px rgba(20,16,74,.6)}
.lead__h{font-weight:700;font-size:clamp(24px,2.4vw,34px);line-height:1.2;color:var(--navy)}
.form{display:grid;grid-template-columns:1fr 1fr auto;gap:10px;align-items:start}
.fld input{text-align:right;direction:rtl;width:100%;height:56px;border-radius:16px;border:1.5px solid transparent;background:#fff;padding:0 18px;font:inherit;font-size:16px;color:var(--ink);transition:border-color .3s,box-shadow .3s}
.fld input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(20,16,74,.12)}
.fld input[aria-invalid="true"]{border-color:#b3261e}
.form .btn{height:56px}
.lead .btn--gold{background:var(--navy);color:#fff;box-shadow:none}
.lead .btn--gold::after{background:var(--indigo)}
.consent{grid-column:1/-1;display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.6;cursor:pointer}
.consent input{margin-top:4px;accent-color:var(--navy);width:16px;height:16px}
.consent a{font-weight:700}
.form__msg{grid-column:1/-1;font-size:15px;font-weight:500;min-height:0}
.form__msg.is-err{color:#9b1c14}
.form__msg.is-ok{color:var(--navy)}
.hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);opacity:0;pointer-events:none}

/* ============ MEDIA ============ */
.media{padding:clamp(80px,12vh,140px) 0 clamp(100px,14vh,170px);overflow:hidden}
.media__ticker{overflow:hidden;border-block:1px solid var(--line);padding:18px 0;margin-bottom:clamp(70px,10vh,110px)}
.ticker__row{display:flex;align-items:center;gap:40px;width:max-content;animation:tick 30s linear infinite}
.ticker__row span{font-weight:700;font-size:clamp(22px,2.4vw,34px);color:var(--navy);opacity:.9;white-space:nowrap}
.ticker__row i{width:10px;height:10px;border-radius:50%;background:var(--gold);flex:none}
@keyframes tick{to{transform:translateX(50%)}}
.tv{display:grid;grid-template-columns:1fr;gap:14px;margin-top:clamp(40px,6vh,70px);align-items:stretch}
.tv__screen{position:relative;aspect-ratio:16/9;border-radius:var(--r);overflow:hidden;background:var(--navy-2);box-shadow:0 40px 80px -40px rgba(20,16,74,.6)}
.tv__screen iframe,.tv__screen video{position:absolute;inset:0;width:100%;height:100%;border:0}
.tv__poster{position:absolute;inset:0;border:0;padding:0;background:none;cursor:pointer}
.tv__poster img{width:100%;height:100%;object-fit:cover;transition:transform 1s var(--ease),opacity .4s}
.tv__poster:hover img{transform:scale(1.04)}
.tv__poster::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(12,10,46,.55),transparent 55%)}
.tv__play{position:absolute;z-index:1;top:50%;left:50%;width:92px;height:92px;margin:-46px 0 0 -46px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:var(--navy);box-shadow:0 0 0 0 rgba(201,168,106,.6);animation:pulse 2.2s infinite}
.tv__play svg{width:34px;height:34px;margin-left:5px}
@keyframes pulse{70%{box-shadow:0 0 0 22px rgba(201,168,106,0)}100%{box-shadow:0 0 0 0 rgba(201,168,106,0)}}
.tv__list{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.tv__list li{display:flex}
.tv__list .ep{height:100%}
.ep{width:100%;display:flex;align-items:center;gap:14px;text-align:right;padding:14px 16px;border-radius:18px;border:1px solid var(--line);background:#fff;cursor:pointer;flex:1;transition:background .35s,border-color .35s,translate .35s var(--ease)}
.ep:hover{translate:0 -4px;border-color:var(--gold)}
.ep.is-on{background:var(--navy);color:#fff;border-color:var(--navy)}
.ep__n{font-weight:700;font-size:15px;color:var(--gold-ink);flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--mist)}
.ep.is-on .ep__n{background:var(--gold);color:var(--navy)}
.ep__t{font-weight:500;font-size:15px;line-height:1.45}
.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.art{position:relative;display:flex;flex-direction:column;gap:12px;padding:24px;border-radius:var(--r);background:#fff;border:1px solid var(--line);text-decoration:none;overflow:hidden;transition:translate .5s var(--ease),box-shadow .5s var(--ease)}
.art::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,var(--navy),var(--indigo));transform:translateY(101%);transition:transform .6s var(--ease);z-index:0}
.art>*{position:relative;z-index:1;transition:color .4s}
.art:hover{translate:0 -6px;box-shadow:0 30px 50px -30px rgba(20,16,74,.5)}
.art:hover::before{transform:none}
.art:hover h3,.art:hover p,.art:hover .art__cta{color:#fff}
.art__logo{display:block;height:104px;margin:-12px -12px 6px;border-radius:14px;background:#fff;overflow:hidden;box-shadow:inset 0 0 0 1px var(--line)}
.art__logo img{width:100%;height:100%;object-fit:contain;padding:6px 0}
.art h3{font-weight:700;font-size:21px;line-height:1.35;color:var(--navy)}
.art p{font-size:15px;color:var(--muted)}
.art__cta{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--gold-ink)}
.art__cta svg{width:18px;height:18px}

/* ============ PROCESS ============ */
.process{padding:clamp(100px,14vh,170px) 0;background:var(--mist)}
.road{position:relative;margin-top:clamp(60px,9vh,100px)}
.road__line{position:absolute;top:0;bottom:0;left:50%;width:4px;margin-left:-2px;border-radius:4px;background:rgba(20,16,74,.1)}
.road__line i{position:absolute;top:0;left:0;right:0;height:100%;border-radius:4px;background:linear-gradient(var(--gold),var(--navy));transform-origin:top;transform:scaleY(0)}
.road__house{position:absolute;left:50%;top:0;width:64px;height:64px;margin:-32px 0 0 -32px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;box-shadow:0 0 0 8px var(--mist),0 14px 30px -10px rgba(20,16,74,.6)}
.road__house svg{width:36px;height:30px}
.steps{display:grid;gap:clamp(30px,5vh,56px)}
.step{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:110px;align-items:center}
.step__n{position:absolute;left:50%;top:50%;width:46px;height:46px;margin:-23px 0 0 -23px;border-radius:50%;display:grid;place-items:center;background:#fff;color:var(--navy);font-weight:700;border:2px solid rgba(20,16,74,.15);transition:background .4s,color .4s,border-color .4s;z-index:1}
.step.is-lit .step__n{background:var(--gold);border-color:var(--gold)}
.step__card{display:flex;align-items:center;gap:20px;padding:24px 26px;border-radius:var(--r);background:#fff;box-shadow:0 20px 40px -28px rgba(20,16,74,.45)}
.step:nth-child(even) .step__card{grid-column:2}
.step__ic{width:54px;height:54px;flex:none;fill:none;stroke:var(--navy);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;padding:10px;border-radius:16px;background:var(--mist);box-sizing:content-box}
.step__card h3{font-weight:700;font-size:clamp(18px,1.5vw,22px);line-height:1.35;color:var(--navy)}

/* ============ REVIEWS ============ */
.reviews{padding:clamp(100px,14vh,170px) 0;background:radial-gradient(80% 80% at 0% 100%,#2a249f,transparent 60%),var(--navy-2);color:#fff;overflow:hidden}
.reviews .h-xl{color:#fff;margin-bottom:30px}
.reviews__grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(40px,7vw,110px);align-items:center}
.phone{display:flex;justify-content:center}
.phone__frame{position:relative;width:min(100%,320px);aspect-ratio:9/19;border-radius:46px;padding:12px;background:linear-gradient(145deg,#2c2a52,#0b0a24);box-shadow:0 50px 90px -30px rgba(0,0,0,.7),inset 0 0 0 1.5px rgba(255,255,255,.12)}
.phone__frame::before{content:"";position:absolute;top:22px;left:50%;width:84px;height:22px;margin-left:-42px;border-radius:20px;background:#05040f;z-index:2}
.phone__frame video{width:100%;height:100%;object-fit:cover;border-radius:36px;background:#000}
.quotes{position:relative;height:clamp(420px,62vh,600px);overflow:hidden;-webkit-mask:linear-gradient(transparent,#000 14%,#000 86%,transparent);mask:linear-gradient(transparent,#000 14%,#000 86%,transparent)}
.quotes__col{display:flex;flex-direction:column;gap:16px;animation:rise 46s linear infinite}
.quotes:hover .quotes__col,.quotes:focus-within .quotes__col,.quotes.is-paused .quotes__col{animation-play-state:paused}
@keyframes rise{to{transform:translateY(-50%)}}
.quote{padding:26px 28px;border-radius:var(--r);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.quote p{font-size:17px;line-height:1.85;color:rgba(255,255,255,.92)}
.quote footer{margin-top:14px;font-weight:700;color:var(--gold-2);display:flex;align-items:center;gap:10px}
.quote footer::before{content:"★★★★★";letter-spacing:2px;font-size:13px;color:var(--gold)}
.quotes__pause{margin-top:18px;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:99px;padding:8px 18px;font-size:14px;cursor:pointer}

/* ============ BANKS ============ */
.banks{padding:clamp(80px,12vh,130px) 0;background:#fff;overflow:hidden}
.banks__h{text-align:center;font-weight:700;font-size:clamp(24px,2.6vw,38px);color:var(--navy);padding:0 var(--gut);margin-bottom:clamp(36px,6vh,60px)}
.banks__track{-webkit-mask:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);mask:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.banks__row{display:flex;align-items:center;gap:clamp(40px,5vw,80px);width:max-content;animation:tick 40s linear infinite}
.banks__row img{width:auto;height:clamp(36px,3.4vw,48px);filter:grayscale(1);opacity:.65;transition:filter .4s,opacity .4s,transform .4s var(--ease)}
.banks__row img:hover{filter:none;opacity:1;transform:scale(1.12)}
.banks:hover .banks__row{animation-play-state:paused}

/* ============ FINAL ============ */
.final{padding:clamp(100px,14vh,160px) 0 0;background:linear-gradient(#fff 40%,var(--navy) 40%)}
.final__grid{position:relative;display:grid;grid-template-columns:1fr;gap:30px;align-items:center;border-radius:36px;background:radial-gradient(90% 120% at 0% 0%,#2a249f 0%,transparent 60%),linear-gradient(135deg,var(--navy),var(--navy-2));padding:clamp(30px,4vw,60px);overflow:hidden;color:#fff}
.final__photo{align-self:end;display:flex;justify-content:center}
.final__photo img{width:min(100%,430px);height:auto}
.final__box{position:relative;align-self:center;padding:clamp(28px,3.4vw,56px);margin:0;border-radius:28px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.final__house{position:absolute;top:-36px;left:28px;width:84px;height:68px;color:var(--gold);background:var(--navy);padding:12px;border-radius:20px;border:1px solid rgba(255,255,255,.14)}
.final .h-lg{margin-bottom:28px}
.form--stack{grid-template-columns:1fr 1fr auto}
.form--stack .btn{height:56px;padding:0 40px}
.final .h-lg{max-width:760px}
.final .consent{color:rgba(255,255,255,.85)}
.final .consent input{accent-color:var(--gold)}
.final .form__msg.is-err{color:#ffb4a8}
.final .form__msg.is-ok{color:var(--gold-2)}

/* ============ FOOTER ============ */
.foot{background:var(--navy);color:#fff;padding:clamp(50px,8vh,80px) 0 30px}
.foot__grid{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.foot__logo img{height:56px;width:auto;filter:brightness(0) invert(1)}
.foot__social{display:flex;gap:10px}
.foot__social a{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;border:1px solid rgba(255,255,255,.25);transition:background .3s,color .3s,transform .35s var(--ease)}
.foot__social a:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px)}
.foot__social svg{width:18px;height:18px}
.foot__links{display:flex;flex-wrap:wrap;gap:8px 24px;width:100%;padding-top:24px;border-top:1px solid rgba(255,255,255,.14)}
.foot__links a{text-decoration:none;font-size:15px;opacity:.85}
.foot__links a:hover{opacity:1;color:var(--gold-2)}
.foot__copy{width:100%;font-size:13px;opacity:.6}

.wa{position:fixed;right:18px;bottom:18px;z-index:80;width:60px;height:60px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 12px 30px rgba(0,0,0,.25);transition:transform .35s var(--ease)}
.wa svg{width:32px;height:32px}
.wa:hover{transform:scale(1.08)}

.cookie{position:fixed;left:18px;right:18px;bottom:18px;z-index:120;max-width:560px;margin:0 auto;display:flex;align-items:center;gap:16px;padding:16px 18px;border-radius:20px;background:#fff;box-shadow:0 20px 60px -20px rgba(20,16,74,.5);font-size:14px;line-height:1.6}
.cookie a{font-weight:700}
.cookie__btns{display:flex;gap:8px;flex:none}

/* ============ LEGAL PAGES ============ */
.legal{padding:150px 0 100px}
.legal .wrap{max-width:900px}
.legal h1{font-weight:700;font-size:clamp(34px,4vw,56px);color:var(--navy);margin-bottom:30px}
.legal__body{background:#fff;border-radius:var(--r);padding:clamp(26px,4vw,56px);box-shadow:0 20px 50px -30px rgba(20,16,74,.35)}
.legal__body p,.legal__body h5{margin:0 0 14px;font-size:16px;line-height:1.9;font-weight:400}
.legal__body h5{font-weight:700;color:var(--navy)}

/* ============ RESPONSIVE ============ */
@media (max-width:1100px){
  .nav__menu,.nav__social{display:none}
  .burger{display:block}
  .cards{grid-template-columns:1fr 1fr}
  .articles{grid-template-columns:1fr}
  .tv__list{grid-template-columns:1fr 1fr}
  .lead__box{grid-template-columns:1fr}
}
@media (max-width:860px){
  .hero{padding-top:120px}
  .hero__grid{grid-template-columns:1fr}
  .hero__text{padding-bottom:20px}
  .hero__visual{max-width:440px;margin:0 auto;width:100%}
  .dock{margin-top:-20px}
  .dock__save{margin-right:0;width:100%}
  .refi__grid,.about__grid,.reviews__grid,.final__grid{grid-template-columns:1fr}
  .about__media{position:relative;top:0;max-width:440px;margin:0 auto 20px}
  .road__line{left:auto;right:21px;margin:0}
  .road__house{left:auto;right:-9px;margin:-32px 0 0}
  .step{grid-template-columns:1fr;gap:0;padding-right:0;padding-left:0}
  .step__n{left:auto;right:0;margin:-23px 0 0}
  .step__card,.step:nth-child(even) .step__card{grid-column:1;margin-left:0;margin-right:64px}
  .final{background:linear-gradient(#fff 10%,var(--navy) 10%)}
  .hero__title .ln{display:inline;white-space:normal;overflow:visible}
  .form--stack{grid-template-columns:1fr 1fr}
  .form--stack .btn{grid-column:1/-1;width:100%}
}
@media (max-width:640px){
  body{font-size:16px}
  .hero{padding-top:104px;padding-bottom:40px}
  .hero__title{font-size:clamp(28px,7.6vw,36px);line-height:1.15;margin-top:12px}
  .hero__intro{font-size:16px}
  .hero__name{font-size:20px}
  .hero__sub{font-size:16px;margin-top:16px}
  .tags{margin-bottom:16px;gap:6px}
  .tags li{font-size:13px;padding:6px 12px 6px 10px;gap:7px}
  .tags i{width:18px;height:18px}
  .tags i::after{left:6px;top:4px;width:5px;height:9px}
  .hero__intro{font-size:15px}
  .hero__grid{gap:8px}
  .refi{padding-top:4px}
  .refi__txt,.refi__chart{min-width:0}
  .btn--lg{white-space:normal;height:auto;min-height:56px;padding:12px 20px;font-size:15px;text-align:center;line-height:1.35}
  .refi__grid{padding:28px 22px;gap:24px;border-radius:26px}
  .refi__sub{margin:14px 0 22px}
  .chart__badge b{font-size:16px}
  .chart__save b{font-size:20px}
  .chart__badge small,.chart__save small{font-size:11px}
  .chart__badge--old{left:22%}
  .about,.services,.media,.process,.reviews{padding:56px 0}
  .about__grid{gap:24px}
  .about__body p{margin-bottom:12px}
  .cards{margin-top:30px;gap:14px}
  .lead{padding-bottom:48px}
  .tv{margin-top:26px}
  .road{margin-top:34px}
  .steps{gap:20px}
  .reviews .h-xl{margin-bottom:18px}
  .quotes{height:420px}
  .banks{padding:48px 0}
  .banks__h{margin-bottom:26px}
  .final{padding-top:48px}
  .final__grid{padding:22px;border-radius:26px}
  .final__box{padding:24px 18px}
  .final .h-lg{margin-bottom:18px}
  .foot{padding:40px 0 96px}
  .final__house{display:none}
  .h-xl{font-size:clamp(30px,8vw,40px)}
  .nav{top:10px}
  .nav__bar{height:64px;padding:0 10px 0 16px}
  .nav__logo img{height:36px}
  .nav__end .btn--sm{padding:0 14px;font-size:14px}
  .dock{gap:4px;padding:10px}
  .dock__item{flex:1 1 30%;flex-direction:column;gap:4px;padding:6px 2px;font-size:12px;text-align:center}
  .cards{grid-template-columns:1fr}
  .form,.form--stack{grid-template-columns:1fr}
  .form .btn{width:100%}
  .float--a{width:64px;height:64px;right:0}
  .float--a svg{width:40px;height:32px}
  .float--b{width:52px;height:52px}
  .ep{padding:12px 14px}
  .tv__play{width:64px;height:64px;margin:-32px 0 0 -32px}
  .tv__play svg{width:26px;height:26px}
  .tv__list{grid-template-columns:1fr}
  .step__card{padding:18px;gap:14px}
  .step__ic{width:40px;height:40px;padding:8px}
  .cookie{flex-direction:column;align-items:stretch;bottom:90px}
  .cookie__btns .btn{flex:1}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .about__body .w{opacity:1}
  .quotes{height:auto;-webkit-mask:none;mask:none}
}
/* Enable widget "stop animations" */
body.disable-animations *,body.disable-animations *::before,body.disable-animations *::after{animation-play-state:paused!important}