/* ============ RESET ============ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:#0f1535;
  background:#fff;
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}

/* ============ THEME ============ */
:root{
  /* SoFi-style electric purple palette (from circular.png reference) */
  --purple-deep:#1a0e4f;
  --purple:#2d1b87;
  --purple-bright:#4a2bc7;
  --purple-glow:#6a3eff;

  /* SoFi cyan accents (extracted from sofi.com) */
  --sofi-cyan:#00A2C7;
  --cyan:#3ad6ff;
  --cyan-strong:#5ee0ff;
  --cyan-deep:#00A2C7;

  --yellow:#ffe27a;
  --yellow-soft:#fff3b8;
  --yellow-strong:#ffd24a;
  --pink:#ff7aa8;
  --green:#4be0a8;
  --orange:#ff9559;

  --navy:#0a1f4a;
  --navy-deep:#04102e;
  --ink:#0a1f4a;
  --ink-soft:#717171;
  --line:#E7E7E7;
  --bg-soft:#f7f7f7;
}

/* ============ TOP NAV (white) ============ */
.topnav{
  background:#fff;
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:60;
}
.topnav-inner{
  max-width:1320px;margin:0 auto;
  display:flex;align-items:center;justify-content:space-between;
  padding:6px 28px;gap:24px;
}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand-logo{height:56px;width:auto;object-fit:contain;display:block}
.topnav-links{display:flex;gap:30px}
.topnav-links a{
  font-weight:600;font-size:15px;color:var(--ink);
  display:inline-flex;align-items:center;gap:5px;
  padding:6px 0;
  transition:color .2s;
}
.topnav-links a:hover{color:var(--cyan-deep)}
.caret{font-size:10px;opacity:.6}
.topnav-actions{display:flex;align-items:center;gap:18px}
.login{font-weight:700;font-size:14.5px;color:var(--ink)}
.login:hover{color:var(--cyan-deep)}
.topnav-cta{
  background:var(--cyan);color:#06163a;
  padding:11px 22px;border-radius:999px;
  font-weight:800;font-size:14.5px;
  transition:transform .2s,background .2s,box-shadow .2s;
  box-shadow:0 6px 16px -6px rgba(58,214,255,.55);
  display:inline-flex;align-items:center;gap:8px;
}
.topnav-cta:hover{background:var(--cyan-strong);transform:translateY(-1px)}
.topnav-cta.whatsapp{
  background:#25D366;color:#fff;
  box-shadow:0 6px 16px -6px rgba(37,211,102,.55);
}
.topnav-cta.whatsapp:hover{background:#1ebf5b}
.topnav-cta .wa-ico{
  width:8px;height:8px;border-radius:50%;background:#fff;display:inline-block;
  font-size:0;line-height:0;
}
.wa-link{color:#dad0ff;font-weight:700;transition:color .2s}
.wa-link:hover{color:#25D366}

/* ============ Floating WhatsApp button ============ */
.wa-float{
  position:fixed;right:22px;bottom:22px;z-index:80;
  width:62px;height:62px;border-radius:50%;
  background:#25D366;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 14px 30px -8px rgba(37,211,102,.55), 0 4px 14px rgba(0,0,0,.12);
  transition:transform .25s cubic-bezier(.2,.8,.2,1),box-shadow .25s;
  animation:waPulse 2.4s ease-in-out infinite;
}
.wa-float svg{width:34px;height:34px;display:block}
.wa-float:hover{
  transform:scale(1.08);
  box-shadow:0 20px 40px -8px rgba(37,211,102,.7), 0 6px 18px rgba(0,0,0,.15);
}
.wa-float-tip{
  position:absolute;right:74px;top:50%;transform:translateY(-50%);
  background:#0a1f4a;color:#fff;
  padding:8px 14px;border-radius:10px;
  font-weight:800;font-size:13.5px;white-space:nowrap;
  opacity:0;pointer-events:none;
  transition:opacity .2s,transform .2s;
  box-shadow:0 6px 18px -6px rgba(0,0,0,.35);
}
.wa-float-tip::before{
  content:'';position:absolute;right:-5px;top:50%;
  width:0;height:0;
  border-top:6px solid transparent;border-bottom:6px solid transparent;
  border-left:6px solid #0a1f4a;
  transform:translateY(-50%);
}
.wa-float:hover .wa-float-tip{
  opacity:1;transform:translateY(-50%) translateX(-4px);
}
@keyframes waPulse{
  0%,100%{box-shadow:0 14px 30px -8px rgba(37,211,102,.55), 0 0 0 0 rgba(37,211,102,.45)}
  60%{box-shadow:0 14px 30px -8px rgba(37,211,102,.55), 0 0 0 16px rgba(37,211,102,0)}
}
@media (max-width:560px){
  .wa-float{width:54px;height:54px;right:16px;bottom:16px}
  .wa-float svg{width:30px;height:30px}
}

/* ============ DARK SUB-NAV ============ */
.subnav{background:#180d4a;color:#fff;position:relative;z-index:20}
.subnav-inner{
  width:100%;max-width:none;margin:0;
  display:flex;align-items:center;justify-content:space-between;
  min-height:58px;
  padding:0 42px;gap:24px;
}
.subnav-title{font-weight:850;font-size:21px;letter-spacing:0}
.subnav-links{display:flex;align-items:center;gap:28px}
.subnav-links a{
  font-weight:750;font-size:16px;color:rgba(255,255,255,.82);
  display:inline-flex;align-items:center;gap:5px;
  transition:color .2s;
}
.subnav-links a:hover{color:var(--cyan-strong)}

/* ============ HERO (electric purple, rounded ending) ============ */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(900px 500px at 80% 20%, #6a3eff 0%, transparent 60%),
    radial-gradient(800px 600px at 0% 100%, #7a4dff 0%, transparent 55%),
    linear-gradient(135deg, #1a0e4f 0%, #2d1b87 50%, #4527c5 100%);
  padding:50px 28px 60px;
  color:#fff;
  border-radius:0 0 50% 50% / 0 0 90px 90px;
}
.hero-bg{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.orb{position:absolute;border-radius:50%;filter:blur(80px);opacity:.55}
.orb.o1{width:420px;height:420px;background:#9c6dff;top:-120px;left:-80px;opacity:.6}
.orb.o2{width:360px;height:360px;background:var(--cyan);bottom:40px;right:-100px;opacity:.28}
.orb.o3{width:280px;height:280px;background:var(--yellow-soft);top:40%;right:30%;opacity:.18}

.hero-inner{
  max-width:1320px;margin:0 auto;
  display:grid;grid-template-columns:.95fr 1.25fr;
  gap:30px;align-items:center;
  position:relative;z-index:2;
}
.kicker{
  color:var(--yellow-strong);
  font-weight:800;font-size:13px;
  letter-spacing:2px;margin-bottom:18px;
}
.kicker.dark{color:var(--cyan-deep)}
.hero h1{
  font-weight:900;font-size:clamp(40px,5.4vw,72px);
  line-height:1.05;letter-spacing:-1.5px;
  color:#fff;margin-bottom:22px;
}
.hero h1 .hl{color:#fff;position:relative;display:inline-block}
.hero h1 .hl::after{
  content:'';position:absolute;left:0;right:0;bottom:4px;height:14px;
  background:var(--yellow-strong);opacity:.85;z-index:-1;border-radius:4px;
}
.lead{
  color:#dad0ff;font-size:17px;margin-bottom:28px;max-width:520px;font-weight:500;
}

/* small white pill cards (Fixed/Variable like SoFi) */
.rate-cards{display:flex;gap:14px;margin-bottom:30px;flex-wrap:wrap}
.rate-card{
  background:#fff;border-radius:18px;padding:18px 22px;
  min-width:180px;
  box-shadow:0 14px 40px -14px rgba(0,0,0,.4);
}
.rc-label{
  display:block;font-size:13px;font-weight:700;
  color:var(--ink-soft);letter-spacing:.4px;margin-bottom:4px;
}
.rc-value{
  display:block;font-size:30px;font-weight:900;color:var(--cyan-deep);
  letter-spacing:-.5px;line-height:1;margin-bottom:6px;
}
.rc-value span{font-size:13px;color:var(--ink-soft);font-weight:700;margin-left:4px}
.rate-card small{font-size:12.5px;color:var(--ink-soft);font-weight:600}

.btn-primary{
  display:inline-block;
  background:var(--cyan);color:#06163a;
  padding:16px 34px;border-radius:999px;
  font-weight:800;font-size:16px;
  box-shadow:0 12px 30px -10px rgba(58,214,255,.7);
  transition:transform .2s,box-shadow .2s,background .2s;
}
.btn-primary:hover{
  transform:translateY(-2px);
  background:var(--cyan-strong);
  box-shadow:0 18px 40px -10px rgba(58,214,255,.85);
}
.btn-primary.full{display:block;text-align:center;width:100%;margin-top:6px}
.check{margin-top:18px;color:#dad0ff;font-size:13.5px;font-weight:700}

.hero-art{
  position:relative;display:flex;justify-content:center;align-items:center;
  isolation:isolate;
}
.hero-art::before{
  content:'';position:absolute;inset:4% -2% -2% -2%;z-index:-1;
  background:
    radial-gradient(ellipse at 50% 48%, rgba(255,210,74,.22) 0%, rgba(106,62,255,.18) 46%, transparent 72%),
    radial-gradient(ellipse at 50% 50%, rgba(255,255,255,.16) 0%, transparent 58%);
  filter:blur(22px);
}
.hero-art img{
  width:100%;max-width:760px;
  border-radius:30px;
  -webkit-mask-image:radial-gradient(ellipse 74% 70% at 50% 50%, #000 58%, rgba(0,0,0,.92) 70%, transparent 96%);
  mask-image:radial-gradient(ellipse 74% 70% at 50% 50%, #000 58%, rgba(0,0,0,.92) 70%, transparent 96%);
  filter:drop-shadow(0 32px 72px rgba(0,0,0,.42));
  animation:floaty 6s ease-in-out infinite;
}
@keyframes floaty{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-14px)}
}

/* ============ DISCLAIMER (compact, centered, inside hero) ============ */
.disclaimer{
  position:relative;z-index:3;
  max-width:780px;margin:48px auto 0;
  background:rgba(255,255,255,.08);
  backdrop-filter:blur(12px);
  border:1px solid rgba(255,255,255,.18);
  border-radius:999px;
  padding:10px 22px;
  display:flex;align-items:center;justify-content:center;gap:12px;
  text-align:center;
}
.ds-icon{
  flex-shrink:0;
  width:22px;height:22px;border-radius:50%;
  background:var(--yellow-strong);color:var(--purple-deep);
  display:flex;align-items:center;justify-content:center;
  font-weight:900;font-size:13px;
}
.disclaimer p{
  font-size:12.5px;color:#dad0ff;line-height:1.5;margin:0;font-weight:500;
}
.disclaimer p strong{color:#fff;font-weight:800}

/* ============ CALCULADORA ============ */
.calc-section{
  padding:90px 28px 110px;
  background:linear-gradient(180deg,#fafbff 0%,#fff 100%);
}
.calc-head{max-width:780px;margin:0 auto 70px;text-align:center}
.calc-head h2{
  font-size:clamp(32px,4vw,48px);font-weight:900;
  letter-spacing:-1px;color:var(--navy);margin-bottom:14px;
}
.sub{color:var(--ink-soft);font-size:17px}

/* sorpresas como cabecero del card de controles */
.controls-header{
  display:flex;justify-content:center;
  margin:-55px auto 22px;        /* sale del card hacia arriba (más centrado) */
  max-width:420px;
  position:relative;z-index:2;
}
.controls-header img{
  width:100%;
  filter:drop-shadow(0 22px 30px rgba(10,14,58,.22));
  animation:floaty 7s ease-in-out infinite;
}

.calc-grid{
  max-width:1180px;margin:0 auto;
  display:grid;grid-template-columns:1.05fr 1fr;gap:30px;
  align-items:start;
}
.card{
  background:#fff;
  border-radius:24px;
  border:1px solid var(--line);
  box-shadow:0 30px 60px -30px rgba(10,14,58,.18);
  padding:38px;
}
.calc-controls .control{margin-bottom:30px}
.calc-controls .control:last-of-type{margin-bottom:24px}
.control-row{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:14px;
}
.control label{
  display:block;font-weight:700;font-size:14px;
  color:var(--ink);letter-spacing:.3px;margin-bottom:14px;
}
.control-row label{margin-bottom:0}
.amount-display{
  display:flex;align-items:center;gap:4px;
  background:var(--bg-soft);
  border-radius:12px;padding:8px 14px;
  border:2px solid transparent;
  transition:border-color .2s;
}
.amount-display:focus-within{border-color:var(--cyan)}
.amount-prefix{font-weight:800;color:var(--navy);font-size:18px}
.amount-display input{
  border:none;outline:none;background:transparent;
  font:inherit;font-weight:800;font-size:18px;
  color:var(--navy);width:120px;text-align:right;
}

/* months display */
.months-display{
  display:flex;align-items:baseline;gap:6px;
  background:var(--bg-soft);
  border-radius:12px;padding:8px 16px;
}
.months-display strong{font-weight:900;color:var(--navy);font-size:24px;line-height:1}
.months-display span{font-weight:600;color:var(--ink-soft);font-size:13px}

/* slider */
input[type=range]{
  -webkit-appearance:none;appearance:none;
  width:100%;height:8px;border-radius:999px;
  background:linear-gradient(to right,var(--cyan) 0%,var(--cyan) 50%,#e3e7f5 50%,#e3e7f5 100%);
  outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:24px;height:24px;border-radius:50%;
  background:#fff;border:4px solid var(--cyan);
  cursor:pointer;
  box-shadow:0 4px 14px rgba(58,214,255,.4);
  transition:transform .15s;
}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.1)}
input[type=range]::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;
  background:#fff;border:4px solid var(--cyan);
  cursor:pointer;
}
.slider-marks{
  display:flex;justify-content:space-between;
  margin-top:10px;font-size:12px;color:var(--ink-soft);font-weight:600;
}

.rate-pill{
  display:flex;align-items:center;justify-content:space-between;
  background:linear-gradient(135deg,#f0e8ff 0%,#dccaff 100%);
  border:1px solid #c5a8ff;
  border-radius:14px;padding:16px 20px;
}
.rate-pill strong{font-weight:900;color:var(--purple-deep);font-size:22px;letter-spacing:-.3px}
.rate-pill span{font-weight:600;color:var(--purple);font-size:13px}

/* info chips (soporte / revisión) */
.info-chips{
  display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:18px;
}
.chip{
  display:flex;align-items:center;gap:10px;
  background:var(--bg-soft);
  border:1px solid var(--line);
  border-radius:14px;padding:12px 14px;
}
.chip-ico{
  width:36px;height:36px;border-radius:10px;
  background:linear-gradient(135deg,#fff1ad 0%,#ffd24a 100%);
  display:flex;align-items:center;justify-content:center;
  font-size:18px;flex-shrink:0;
}
.chip small{display:block;color:var(--ink-soft);font-size:11.5px;font-weight:700;letter-spacing:.4px;text-transform:uppercase}
.chip strong{display:block;color:var(--navy);font-weight:800;font-size:13.5px;line-height:1.2;margin-top:2px}

/* result */
.calc-result{
  --result-pad:38px;
  background:linear-gradient(160deg,var(--purple-deep) 0%,var(--purple) 100%);
  color:#fff;border:none;
  display:flex;flex-direction:column;
  align-items:center;text-align:center;
  position:relative;overflow:hidden;
  padding:0;
}
.calc-result.card{padding:0}
.result-cloud{
  width:100%;
  padding:var(--result-pad) var(--result-pad) 0;
  background:
    linear-gradient(180deg, rgba(26,14,79,.1) 0%, rgba(26,14,79,.16) 58%, var(--purple-deep) 100%),
    url("assets/nubes.jpg") center top / cover no-repeat;
}
.result-top{margin-bottom:18px}
.result-label{color:#c4b5ff;font-size:14px;font-weight:600;margin-bottom:6px}
.result-label strong{color:#fff;font-weight:900}
#monthly{font-size:42px;font-weight:900;letter-spacing:-1px;color:var(--cyan-strong)}
.monthly-note{
  width:100%;
  margin:10px 0 0;
  padding:6px 0 0;
  display:flex;flex-direction:column;gap:8px;
  text-align:left;
}
.monthly-note-title{
  color:#dad0ff;
  font-size:14px;
  font-weight:800;
  line-height:1.2;
}
.include-list{
  display:grid;
  grid-template-columns:1fr;
  gap:8px;
}
.include-item{
  display:flex;align-items:center;gap:10px;
  color:#dad0ff;
  font-size:14px;
  font-weight:600;
  line-height:1.2;
}
.include-square{
  width:12px;height:12px;
  border-radius:3px;
  display:inline-block;
  flex-shrink:0;
}
.include-square-fianza{background:var(--orange)}
.include-square-seguro{background:#3d7bff}
.include-square-afiliacion{background:var(--cyan-strong)}
.donut-wrap{position:relative;width:240px;height:240px;margin:0 auto 22px}
.donut{width:100%;height:100%}
.d-bg{fill:none;stroke:rgba(255,255,255,.08);stroke-width:24}
.d-cap{fill:none;stroke:var(--orange);stroke-width:24;stroke-linecap:butt;
  transition:stroke-dasharray .6s cubic-bezier(.4,.0,.2,1),stroke-dashoffset .6s cubic-bezier(.4,.0,.2,1)}
.d-int{fill:none;stroke:var(--yellow-strong);stroke-width:24;stroke-linecap:butt;
  transition:stroke-dasharray .6s cubic-bezier(.4,.0,.2,1),stroke-dashoffset .6s cubic-bezier(.4,.0,.2,1)}
.d-cost{fill:none;stroke:var(--orange);stroke-width:24;stroke-linecap:butt;
  transition:stroke-dasharray .6s cubic-bezier(.4,.0,.2,1),stroke-dashoffset .6s cubic-bezier(.4,.0,.2,1)}
.donut-center{
  position:absolute;inset:0;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
}
.donut-center small{color:#c4b5ff;font-size:13px;font-weight:600}
.donut-center strong{font-size:22px;font-weight:900;letter-spacing:-.5px;margin-top:4px}

/* breakdown rows */
.breakdown{
  width:calc(100% - var(--result-pad) - var(--result-pad));
  border-top:1px solid rgba(255,255,255,.1);
  padding-top:16px;margin:0 var(--result-pad) 18px;
}
.bk-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;font-size:14px;
}
.bk-label{display:flex;align-items:center;gap:10px;color:#dad0ff;font-weight:600}
.sw{width:12px;height:12px;border-radius:3px;flex-shrink:0;display:inline-block}
.sw-cap{background:var(--orange)}
.sw-int{background:var(--yellow-strong)}
.sw-cost{background:#3d7bff}
.bk-row strong{font-weight:800;color:#fff;font-size:15px}

/* totales */
.totals{
  display:grid;grid-template-columns:repeat(2,1fr);gap:14px;width:100%;
  border-top:1px solid rgba(255,255,255,.1);padding-top:18px;
}
.tot{text-align:center}
.tot small{display:block;color:#c4b5ff;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.tot strong{display:block;font-weight:800;font-size:16px;color:#fff}

/* disclaimer dentro del card del simulador */
.sim-disclaimer{
  width:calc(100% - var(--result-pad) - var(--result-pad));
  margin:18px var(--result-pad) var(--result-pad);
  background:rgba(255,255,255,.08);
  backdrop-filter:blur(12px);
  border:1px solid rgba(255,255,255,.18);
  border-radius:999px;
  padding:9px 18px;
  display:flex;align-items:center;justify-content:center;gap:10px;
  text-align:center;
}
.sim-disclaimer .ds-icon{
  width:20px;height:20px;font-size:12px;
}
.sim-disclaimer p{
  font-size:12px;color:#dad0ff;line-height:1.45;margin:0;font-weight:500;
}
.sim-disclaimer p strong{color:#fff;font-weight:800}

/* ============ USOS — animated cards ============ */
.uses{padding:110px 28px;background:#fff}
.uses-head{max-width:780px;margin:0 auto 60px;text-align:center}
.uses-head h2{
  font-size:clamp(30px,4vw,46px);font-weight:900;
  color:var(--navy);letter-spacing:-1px;
}
.uses-grid{
  max-width:1280px;margin:0 auto;
  display:grid;grid-template-columns:repeat(2,1fr);gap:26px;
}
.use-card{
  position:relative;overflow:hidden;
  border-radius:28px;padding:40px;min-height:340px;
  display:grid;grid-template-columns:1.2fr 1fr;align-items:center;gap:20px;
  color:#fff;
  transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s;
  box-shadow:0 20px 50px -20px rgba(10,14,58,.25);
}
.use-card:hover{transform:translateY(-8px);box-shadow:0 30px 60px -20px rgba(10,14,58,.4)}
.u1{background:linear-gradient(135deg,var(--purple-deep) 0%,#2a1a72 100%)}
.u2{background:linear-gradient(135deg,#1a1252 0%,#2a1a72 100%)}
.u3{background:linear-gradient(135deg,#2a1a72 0%,#4a2a92 100%)}
.u4{background:linear-gradient(135deg,var(--purple-deep) 0%,#0d3055 100%)}

.u-deco{position:absolute;top:0;left:0;pointer-events:none}
.deco-circle{
  position:absolute;top:-60px;left:-60px;
  width:180px;height:180px;border-radius:50%;
  background:var(--cyan);opacity:.18;
}
.deco-circle.y{background:var(--yellow-strong);opacity:.28}
.deco-circle.p{background:var(--purple-bright);opacity:.42}
.deco-circle.g{background:var(--green);opacity:.24}
.deco-dot{
  position:absolute;top:120px;left:90px;
  width:18px;height:18px;border-radius:50%;
  background:var(--cyan);
}
.deco-dot.y{background:var(--yellow-strong)}
.deco-dot.p{background:var(--purple-bright)}
.deco-dot.g{background:var(--green)}

.u-num{
  position:absolute;top:24px;right:28px;
  border:1px solid rgba(255,255,255,.4);
  padding:6px 16px;border-radius:999px;
  font-size:13px;font-weight:700;letter-spacing:.5px;
  color:#fff;
}
.u-body{position:relative;z-index:2}
.u-body h3{
  font-size:28px;font-weight:900;letter-spacing:-.5px;margin-bottom:14px;
}
.u-body p{color:#cfd3ee;font-size:15px;margin-bottom:18px}
.more{
  display:inline-block;color:var(--cyan);font-weight:800;font-size:14.5px;
  transition:transform .2s;
}
.more:hover{transform:translateX(4px)}

.u-ill{
  position:relative;z-index:2;
  display:flex;justify-content:center;align-items:center;
}
.u-ill img{
  width:100%;max-width:230px;
  filter:drop-shadow(0 20px 30px rgba(0,0,0,.45));
  transition:transform .5s cubic-bezier(.2,.8,.2,1);
}
.use-card:hover .u-ill img{transform:scale(1.08) rotate(-3deg)}

/* ============ APP SHOWCASE ============ */
.app-showcase{
  position:relative;overflow:hidden;
  padding:70px 28px 90px;
  background:
    radial-gradient(800px 400px at 0% 100%, #fff3b8 0%, transparent 60%),
    radial-gradient(700px 400px at 100% 0%, #d8f5ff 0%, transparent 60%),
    #fafbff;
  display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;
  max-width:1400px;margin:0 auto;
}
.app-text{padding-left:60px;max-width:520px}
.app-text h2{
  font-size:clamp(28px,3.6vw,42px);font-weight:900;
  color:var(--navy);letter-spacing:-1px;margin-bottom:14px;
}
.app-text p{color:var(--ink-soft);font-size:17px;margin-bottom:24px}
.app-img{display:flex;justify-content:center;align-items:center}
.app-img img{
  width:100%;max-width:680px;
  filter:drop-shadow(0 30px 50px rgba(10,31,74,.2));
  animation:floaty 7s ease-in-out infinite;
}

/* ============ STEPS ============ */
.steps{padding:60px 28px 110px;background:#fff}
.calc-promo{
  max-width:1180px;margin:0 auto 70px;
  background:linear-gradient(135deg,#fff8db 0%,#fff1ad 100%);
  border:1px solid var(--yellow);
  border-radius:20px;padding:22px 30px;
  display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;
}
.cp-ico{
  width:80px;height:80px;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.cp-ico img{width:100%;height:100%;object-fit:contain}
.cp-body strong{display:block;color:var(--navy);font-size:16px;font-weight:800;margin-bottom:4px}
.cp-body p{color:#7a6a2a;font-size:14.5px}
.cp-link{font-weight:800;color:var(--cyan-deep);font-size:15px;white-space:nowrap}
.cp-link:hover{text-decoration:underline}

.steps-title{
  text-align:center;
  font-size:clamp(30px,4vw,46px);font-weight:900;
  color:var(--navy);letter-spacing:-1px;margin-bottom:60px;
}
.steps-grid{
  max-width:1100px;margin:0 auto;
  display:grid;grid-template-columns:repeat(3,1fr);gap:40px;
}
.step{text-align:center;padding:0 16px}
.step-bullet{
  width:64px;height:64px;border-radius:50%;
  background:linear-gradient(135deg,#fff1ad 0%,#ffd24a 100%);
  color:var(--navy);
  display:flex;align-items:center;justify-content:center;
  font-weight:900;font-size:24px;
  margin:0 auto 22px;
  border:5px solid #fff8db;
  box-shadow:0 12px 30px -8px rgba(255,210,74,.6);
}
.step h4{
  font-size:20px;font-weight:800;color:var(--cyan-deep);margin-bottom:10px;
}
.step p{color:var(--ink-soft);font-size:15px}
.steps-cta{text-align:center;margin-top:60px}

/* ============ FOOTER ============ */
.footer{
  background:var(--purple-deep);color:#cfd3ee;
  padding:80px 28px 24px;
}
.foot-inner{
  max-width:1280px;margin:0 auto;
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:50px;
  padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.08);
}
.foot-logo{
  width:180px;
  margin-bottom:0;
  filter:brightness(0) invert(1);
}
.foot-col h5{
  color:#fff;font-size:13px;font-weight:800;letter-spacing:1.5px;
  text-transform:uppercase;margin-bottom:16px;
}
.foot-col p{font-size:14.5px;margin-bottom:8px;line-height:1.6}
.foot-col a{transition:color .2s}
.foot-col a:hover{color:var(--cyan)}
.foot-bottom{
  max-width:1280px;margin:24px auto 0;text-align:center;
  font-size:13px;color:#7d83a6;
}

/* ============ RESPONSIVE ============ */
@media (max-width:1440px){
  .subnav-inner{min-height:56px;padding:0 36px}
  .subnav-title{font-size:20px}
  .subnav-links{gap:24px}
  .subnav-links a{font-size:15.5px}
}
@media (max-width:1080px){
  .topnav-links{display:none}
  .subnav-links a:not(:first-child){display:none}
}
@media (max-width:980px){
  .brand-logo{height:50px}
  .subnav-inner{min-height:52px;padding:0 22px}
  .subnav-title{font-size:17px}
  .subnav-links{gap:0}
  .subnav-links a{font-size:14px}
  .hero{padding-top:50px;padding-bottom:120px}
  .hero-inner{grid-template-columns:1fr;gap:30px;text-align:center}
  .hero-copy .lead{margin-left:auto;margin-right:auto}
  .rate-cards{justify-content:center}
  .hero-art img{max-width:520px}
  .calc-grid{grid-template-columns:1fr}
  .uses-grid{grid-template-columns:1fr}
  .use-card{grid-template-columns:1fr;text-align:center;padding:32px 24px}
  .u-ill img{max-width:200px;margin:0 auto}
  .app-showcase{grid-template-columns:1fr;text-align:center;padding:60px 24px}
  .app-text{padding-left:0;margin:0 auto}
  .steps-grid{grid-template-columns:1fr;gap:50px}
  .calc-promo{grid-template-columns:1fr;text-align:center}
  .cp-ico{margin:0 auto}
  .foot-inner{grid-template-columns:1fr 1fr;gap:30px}
  .tot strong{font-size:14px}
}
@media (max-width:560px){
  .topnav-actions .login{display:none}
  .topnav-inner{padding:8px 18px;gap:12px}
  .topnav-actions{gap:10px}
  .topnav-cta{padding:10px 14px;font-size:13px}
  .brand-logo{height:44px}
  .subnav-inner{justify-content:center;min-height:50px}
  .subnav-title{font-size:16px}
  .subnav-links{display:none}
  .card{padding:26px 22px}
  .calc-result{--result-pad:26px}
  #monthly{font-size:34px}
  .donut-wrap{width:200px;height:200px}
  .foot-inner{grid-template-columns:1fr}
  .rate-cards{flex-direction:column;gap:10px}
  .rate-card{width:100%}
  .totals{grid-template-columns:1fr;gap:10px}
  .tot{display:flex;justify-content:space-between;align-items:center;text-align:left}
  .tot small{margin:0}
}