/* ============================================================
   就是好貸 — 全新形象網站設計系統 (index4)
   Palette: 墨綠 Ink Teal × 香檳金 Champagne Gold × 暖白
   ============================================================ */

:root {
    --ink-900: #07191d;
    --ink-800: #0b2e33;
    --ink-700: #0f484f;
    --teal-600: #14808f;
    --teal-500: #1d9aab;
    --teal-050: #eef7f8;
    --gold-500: #c8a96a;
    --gold-400: #d9bf8a;
    --gold-050: #faf6ee;
    --paper: #f7f9f9;
    --white: #ffffff;
    --text-900: #16262a;
    --text-600: #5b6e72;
    --text-400: #8da0a3;
    --line: #e4ebec;

    --font-display: 'Noto Serif TC', 'Noto Sans TC', serif;
    --font-body: 'Noto Sans TC', 'Inter', sans-serif;

    --r-sm: 10px;
    --r-md: 18px;
    --r-lg: 28px;

    --sh-soft: 0 12px 32px rgba(11, 46, 51, 0.06);
    --sh-mid: 0 24px 48px rgba(11, 46, 51, 0.1);
    --sh-deep: 0 32px 64px rgba(11, 46, 51, 0.16);

    --ease: cubic-bezier(0.22, 1, 0.36, 1);
    --tr: all 0.45s var(--ease);

    --header-h: 76px;
}

/* ---------- Reset / base ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
    scroll-behavior: smooth;
    scroll-padding-top: calc(var(--header-h) + 16px);
}

#consult { scroll-margin-top: calc(var(--header-h) + 16px); }

body {
    margin: 0;
    font-family: var(--font-body);
    background: var(--paper);
    color: var(--text-900);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    letter-spacing: 0.02em;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, p { margin: 0; }
button { font-family: inherit; }

.container {
    width: min(1180px, 100% - 48px);
    margin-inline: auto;
}

/* ---------- Header ---------- */
.site-header {
    position: fixed;
    inset: 0 0 auto 0;
    z-index: 900;
    height: var(--header-h);
    display: flex;
    align-items: center;
    transition: var(--tr);
    background: rgba(7, 25, 29, 0.55);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.site-header.is-solid {
    background: rgba(7, 25, 29, 0.92);
    box-shadow: 0 8px 30px rgba(7, 25, 29, 0.25);
}

.site-header__inner {
    display: flex;
    align-items: center;
    gap: 20px;
}

.site-logo { flex-shrink: 0; }

.site-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--white);
}

.site-logo img { height: 40px; width: auto; }

.site-logo__text { line-height: 1.25; }

.site-logo__text strong {
    display: block;
    font-family: var(--font-display);
    font-size: 1.18rem;
    letter-spacing: 0.18em;
}

.site-logo__text span {
    display: block;
    font-size: 0.62rem;
    letter-spacing: 0.34em;
    color: var(--gold-400);
    text-transform: uppercase;
}

.site-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 1;
    gap: 2px;
    min-width: 0;
}

.site-nav > a,
.nav-dropdown__trigger {
    position: relative;
    padding: 10px 14px;
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.9rem;
    font-weight: 500;
    letter-spacing: 0.06em;
    transition: var(--tr);
    white-space: nowrap;
}

.site-nav > a::after,
.nav-dropdown__trigger::after {
    content: '';
    position: absolute;
    left: 14px;
    right: 14px;
    bottom: 4px;
    height: 2px;
    background: var(--gold-500);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--tr);
}

.site-nav > a:hover,
.site-nav > a.is-active,
.nav-dropdown.is-active > .nav-dropdown__trigger,
.nav-dropdown__trigger:hover { color: var(--white); }

.site-nav > a:hover::after,
.site-nav > a.is-active::after,
.nav-dropdown.is-active > .nav-dropdown__trigger::after,
.nav-dropdown__trigger:hover::after { transform: scaleX(1); }

/* Nav dropdown */
.nav-dropdown { position: relative; }

.nav-dropdown__trigger {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    border: none;
    background: transparent;
    cursor: pointer;
    font-family: inherit;
}

.nav-dropdown__trigger i {
    font-size: 0.65rem;
    transition: transform 0.25s var(--ease);
}

.nav-dropdown.is-open .nav-dropdown__trigger i { transform: rotate(180deg); }

.nav-dropdown__menu {
    position: absolute;
    top: calc(100% + 8px);
    left: 50%;
    transform: translateX(-50%) translateY(6px);
    min-width: 168px;
    padding: 8px;
    background: rgba(7, 25, 29, 0.97);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--r-md);
    box-shadow: var(--sh-deep);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0.25s;
    z-index: 910;
}

.nav-dropdown.is-open .nav-dropdown__menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

.nav-dropdown__menu a {
    display: block;
    padding: 10px 14px;
    border-radius: var(--r-sm);
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.88rem;
    letter-spacing: 0.05em;
    transition: var(--tr);
}

.nav-dropdown__menu a:hover,
.nav-dropdown__menu a.is-active {
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
}

.header-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    flex-shrink: 0;
    padding: 10px 20px;
    border-radius: 100px;
    background: linear-gradient(120deg, var(--gold-400), var(--gold-500));
    color: var(--ink-900);
    font-weight: 700;
    font-size: 0.92rem;
    letter-spacing: 0.06em;
    box-shadow: 0 10px 24px rgba(200, 169, 106, 0.35);
    transition: var(--tr);
    white-space: nowrap;
}

.header-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 16px 30px rgba(200, 169, 106, 0.45);
}

/* mobile trigger */
.nav-trigger {
    display: none;
    width: 44px;
    height: 44px;
    border: 1px solid rgba(255, 255, 255, 0.25);
    border-radius: 12px;
    background: transparent;
    cursor: pointer;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
}

.nav-trigger span {
    display: block;
    width: 20px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: var(--tr);
}

body.nav-open .nav-trigger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.nav-open .nav-trigger span:nth-child(2) { opacity: 0; }
body.nav-open .nav-trigger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* mobile drawer */
.nav-drawer {
    position: fixed;
    inset: var(--header-h) 0 0 0;
    z-index: 890;
    background: linear-gradient(165deg, var(--ink-900), var(--ink-700));
    padding: 40px 28px;
    display: flex;
    flex-direction: column;
    gap: 4px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-12px);
    transition: var(--tr);
    overflow-y: auto;
}

body.nav-open .nav-drawer {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-drawer a {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    padding: 18px 6px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    color: var(--white);
    font-size: 1.15rem;
    font-weight: 600;
    letter-spacing: 0.1em;
}

.nav-drawer a small {
    font-size: 0.65rem;
    letter-spacing: 0.3em;
    color: var(--gold-400);
    text-transform: uppercase;
}

.nav-drawer__contact {
    margin-top: auto;
    padding-top: 32px;
    display: grid;
    gap: 12px;
}

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 15px 34px;
    border-radius: 100px;
    font-weight: 700;
    font-size: 1rem;
    letter-spacing: 0.08em;
    cursor: pointer;
    border: none;
    transition: var(--tr);
}

.btn--gold {
    background: linear-gradient(120deg, var(--gold-400), var(--gold-500));
    color: var(--ink-900);
    box-shadow: 0 14px 30px rgba(200, 169, 106, 0.35);
}

.btn--gold:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 40px rgba(200, 169, 106, 0.5);
}

.btn--teal {
    background: linear-gradient(120deg, var(--teal-500), var(--ink-700));
    color: var(--white);
    box-shadow: 0 14px 30px rgba(20, 128, 143, 0.3);
}

.btn--teal:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 40px rgba(20, 128, 143, 0.42);
}

.btn--ghost {
    background: transparent;
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.45);
}

.btn--ghost:hover {
    border-color: var(--gold-400);
    color: var(--gold-400);
    transform: translateY(-3px);
}

.btn--line {
    background: #06c755;
    color: #fff;
    box-shadow: 0 14px 30px rgba(6, 199, 85, 0.3);
}

.btn--line:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 40px rgba(6, 199, 85, 0.42);
}

/* ---------- Section scaffolding ---------- */
.section { padding: 104px 0; }
.section--tight { padding: 72px 0; }
.section--paper { background: var(--paper); }
.section--white { background: var(--white); }
.section--ink {
    background:
        radial-gradient(900px 420px at 85% -10%, rgba(29, 154, 171, 0.18), transparent 60%),
        linear-gradient(160deg, var(--ink-900), var(--ink-800));
    color: rgba(255, 255, 255, 0.86);
}
.section--gold-tint { background: linear-gradient(180deg, var(--white), var(--gold-050)); }

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.4em;
    text-transform: uppercase;
    color: var(--gold-500);
    margin-bottom: 18px;
}

.eyebrow::before {
    content: '';
    width: 36px;
    height: 1px;
    background: var(--gold-500);
}

.eyebrow--center { justify-content: center; }
.eyebrow--center::after {
    content: '';
    width: 36px;
    height: 1px;
    background: var(--gold-500);
}

.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head--center { margin-inline: auto; text-align: center; }

.section-head h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.2vw, 2.6rem);
    font-weight: 700;
    letter-spacing: 0.06em;
    color: var(--ink-700);
    line-height: 1.35;
    margin-bottom: 16px;
}

.section--ink .section-head h2 { color: var(--white); }

.section-head p {
    color: var(--text-600);
    font-size: 1.05rem;
}

.section--ink .section-head p { color: rgba(255, 255, 255, 0.7); }

/* ---------- Grids ---------- */
.grid { display: grid; gap: 28px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 991px) {
    .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
    .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
}

/* ---------- Home hero ---------- */
.hero-home {
    position: relative;
    min-height: 92vh;
    display: flex;
    align-items: center;
    padding: calc(var(--header-h) + 72px) 0 96px;
    overflow: hidden;
    background:
        radial-gradient(1100px 600px at 80% 0%, rgba(29, 154, 171, 0.22), transparent 62%),
        radial-gradient(700px 500px at 0% 100%, rgba(200, 169, 106, 0.12), transparent 55%),
        linear-gradient(155deg, var(--ink-900) 0%, var(--ink-800) 55%, var(--ink-700) 100%);
    color: var(--white);
}

.hero-home::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
    background-size: 28px 28px;
    mask-image: linear-gradient(120deg, transparent 30%, rgba(0,0,0,0.8));
    pointer-events: none;
}

.hero-home__inner {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 64px;
    align-items: center;
}

.hero-home h1 {
    font-family: var(--font-display);
    font-size: clamp(2.1rem, 4.4vw, 3.4rem);
    font-weight: 900;
    line-height: 1.3;
    letter-spacing: 0.04em;
    margin: 20px 0 24px;
}

.hero-home h1 em {
    font-style: normal;
    color: var(--gold-400);
}

.hero-home .lead {
    color: rgba(255, 255, 255, 0.72);
    font-size: 1.08rem;
    max-width: 540px;
    margin-bottom: 40px;
}

.hero-home__actions { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 56px; }

.hero-stats {
    display: flex;
    gap: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
    padding-top: 32px;
    max-width: 560px;
}

.hero-stats li {
    flex: 1;
    padding-right: 24px;
}

.hero-stats li + li {
    padding-left: 24px;
    border-left: 1px solid rgba(255, 255, 255, 0.14);
}

.hero-stats strong {
    display: block;
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 2.6vw, 2.1rem);
    color: var(--gold-400);
    line-height: 1.2;
}

.hero-stats span {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.6);
    letter-spacing: 0.1em;
}

/* hero carousel */
.jsh-carousel {
    position: relative;
    border-radius: var(--r-lg);
    overflow: hidden;
    box-shadow: var(--sh-deep);
    border: 1px solid rgba(255, 255, 255, 0.14);
}

.jsh-carousel__track { display: flex; transition: transform 0.7s var(--ease); }

.jsh-carousel__slide { flex: 0 0 100%; }

.jsh-carousel__slide img {
    width: 100%;
    aspect-ratio: 16 / 10;
    object-fit: cover;
}

.jsh-carousel__nav {
    position: absolute;
    z-index: 5;
    top: 50%;
    transform: translateY(-50%);
    width: 44px;
    height: 44px;
    border-radius: 50%;
    border: none;
    cursor: pointer;
    background: rgba(7, 25, 29, 0.55);
    color: var(--white);
    backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.05rem;
    transition: var(--tr);
}

.jsh-carousel__nav:hover { background: var(--gold-500); color: var(--ink-900); }
.jsh-carousel__nav--prev { left: 16px; }
.jsh-carousel__nav--next { right: 16px; }

.jsh-carousel__dots {
    position: absolute;
    z-index: 5;
    bottom: 16px;
    left: 0;
    right: 0;
    display: flex;
    justify-content: center;
    gap: 8px;
}

.jsh-carousel__dots button {
    width: 26px;
    height: 4px;
    border: none;
    border-radius: 4px;
    background: rgba(255, 255, 255, 0.35);
    cursor: pointer;
    transition: var(--tr);
}

.jsh-carousel__dots button.is-active { background: var(--gold-400); }

/* ---------- Inner page hero ---------- */
.page-hero {
    position: relative;
    padding: calc(var(--header-h) + 88px) 0 88px;
    overflow: hidden;
    background:
        radial-gradient(900px 480px at 88% -20%, rgba(29, 154, 171, 0.24), transparent 60%),
        radial-gradient(540px 360px at 4% 110%, rgba(200, 169, 106, 0.14), transparent 55%),
        linear-gradient(150deg, var(--ink-900), var(--ink-700));
    color: var(--white);
}

.page-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px);
    background-size: 26px 26px;
    mask-image: linear-gradient(100deg, transparent 40%, rgba(0,0,0,0.9));
    pointer-events: none;
}

.page-hero__inner { position: relative; z-index: 2; max-width: 760px; }

.page-hero h1 {
    font-family: var(--font-display);
    font-size: clamp(1.9rem, 3.8vw, 3rem);
    font-weight: 900;
    letter-spacing: 0.06em;
    line-height: 1.35;
    margin: 16px 0 20px;
}

.page-hero p {
    color: rgba(255, 255, 255, 0.72);
    font-size: 1.05rem;
    margin-bottom: 36px;
}

.page-hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }

.page-hero--center { text-align: center; }
.page-hero--center .page-hero__inner { margin-inline: auto; }
.page-hero--center .eyebrow { justify-content: center; }
.page-hero--center .eyebrow::after {
    content: '';
    width: 36px;
    height: 1px;
    background: var(--gold-500);
}

/* highlight chips under page hero */
.hero-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 36px;
}

.hero-chips li {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 18px;
    border-radius: 100px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.06);
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.85);
    letter-spacing: 0.05em;
}

.hero-chips li i { color: var(--gold-400); }

/* ---------- Cards ---------- */
.icon-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 38px 30px;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
    height: 100%;
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.icon-card::before {
    content: '';
    position: absolute;
    inset: 0 auto auto 0;
    width: 100%;
    height: 3px;
    background: linear-gradient(90deg, var(--gold-400), var(--teal-500));
    opacity: 0;
    transition: var(--tr);
}

.icon-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--sh-mid);
    border-color: rgba(20, 128, 143, 0.25);
}

.icon-card:hover::before { opacity: 1; }

.icon-card__icon {
    width: 58px;
    height: 58px;
    border-radius: 16px;
    background: var(--teal-050);
    color: var(--teal-600);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.55rem;
    margin-bottom: 24px;
    transition: var(--tr);
}

.icon-card:hover .icon-card__icon {
    background: linear-gradient(135deg, var(--teal-500), var(--ink-700));
    color: var(--white);
}

.icon-card h3 {
    font-size: 1.18rem;
    font-weight: 700;
    color: var(--ink-700);
    margin-bottom: 12px;
    letter-spacing: 0.04em;
}

.icon-card p {
    color: var(--text-600);
    font-size: 0.94rem;
    line-height: 1.75;
}

.icon-card--gold .icon-card__icon { background: var(--gold-050); color: var(--gold-500); }
.icon-card--gold:hover .icon-card__icon { background: linear-gradient(135deg, var(--gold-400), var(--gold-500)); color: var(--ink-900); }

/* step cards */
.step-card {
    position: relative;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 40px 28px 34px;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
    height: 100%;
}

.step-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--sh-mid);
}

.step-card__num {
    font-family: var(--font-display);
    font-size: 2.8rem;
    font-weight: 900;
    line-height: 1;
    background: linear-gradient(120deg, var(--gold-400), var(--gold-500));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    margin-bottom: 18px;
}

.step-card h3 {
    font-size: 1.12rem;
    font-weight: 700;
    color: var(--ink-700);
    margin-bottom: 10px;
}

.step-card p { color: var(--text-600); font-size: 0.92rem; }

.step-card::after {
    content: '\F285';
    font-family: 'bootstrap-icons';
    position: absolute;
    top: 50%;
    right: -22px;
    transform: translateY(-50%);
    color: var(--gold-500);
    font-size: 1.1rem;
    z-index: 2;
}

.step-card.is-last::after { content: none; }

@media (max-width: 991px) {
    .step-card::after { content: none; }
}

/* ---------- Feature split ---------- */
.feature-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.feature-split__media {
    position: relative;
    border-radius: var(--r-lg);
    overflow: hidden;
    box-shadow: var(--sh-deep);
}

.feature-split__media::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: var(--r-lg);
    border: 1px solid rgba(255, 255, 255, 0.35);
    pointer-events: none;
}

.feature-split__media img { width: 100%; }

.feature-split h2 {
    font-family: var(--font-display);
    font-size: clamp(1.7rem, 3vw, 2.4rem);
    color: var(--ink-700);
    font-weight: 800;
    letter-spacing: 0.05em;
    line-height: 1.4;
    margin-bottom: 22px;
}

.feature-split p { color: var(--text-600); margin-bottom: 18px; }

.check-list { display: grid; gap: 14px; margin-top: 28px; }

.check-list li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    color: var(--text-900);
    font-weight: 500;
}

.check-list li i {
    color: var(--gold-500);
    font-size: 1.1rem;
    line-height: 1.6;
}

@media (max-width: 991px) {
    .feature-split { grid-template-columns: 1fr; gap: 40px; }
}

/* ---------- FAQ ---------- */
.faq-list { max-width: 880px; margin-inline: auto; display: grid; gap: 16px; }

.faq-item {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    overflow: hidden;
    transition: var(--tr);
}

.faq-item:hover { border-color: rgba(20, 128, 143, 0.3); box-shadow: var(--sh-soft); }

.faq-item > button {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    padding: 22px 28px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
}

.faq-item h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--ink-700);
    letter-spacing: 0.03em;
    line-height: 1.55;
}

.faq-item h3 .q-mark {
    color: var(--gold-500);
    font-family: var(--font-display);
    margin-right: 10px;
}

.faq-item__icon {
    flex: 0 0 auto;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    border: 1px solid var(--line);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--teal-600);
    transition: var(--tr);
}

.faq-item > button[aria-expanded="true"] .faq-item__icon {
    transform: rotate(45deg);
    background: var(--teal-600);
    color: var(--white);
    border-color: var(--teal-600);
}

.faq-item__body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.45s var(--ease);
}

.faq-item > button[aria-expanded="true"] + .faq-item__body { grid-template-rows: 1fr; }

.faq-item__body > div { overflow: hidden; }

.faq-item__body p {
    padding: 0 28px 24px;
    color: var(--text-600);
    font-size: 0.95rem;
}

/* ---------- Loan calculator ---------- */
.calc-card {
    max-width: 880px;
    margin-inline: auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--sh-mid);
    padding: 48px;
}

.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px 32px;
    margin-bottom: 36px;
}

.calc-field label {
    display: block;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--ink-700);
    letter-spacing: 0.06em;
    margin-bottom: 10px;
}

.calc-field .control {
    display: flex;
    align-items: center;
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    background: var(--paper);
    overflow: hidden;
    transition: var(--tr);
}

.calc-field .control:focus-within {
    border-color: var(--teal-500);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(29, 154, 171, 0.12);
}

.calc-field .control span {
    padding: 0 16px;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-400);
    background: rgba(11, 46, 51, 0.03);
    align-self: stretch;
    display: flex;
    align-items: center;
}

.calc-field input,
.calc-field select {
    flex: 1;
    width: 100%;
    border: none;
    background: transparent;
    padding: 15px 16px;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-900);
    outline: none;
    font-family: inherit;
}

.calc-result {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    border-top: 1px dashed var(--line);
    padding-top: 32px;
}

.calc-result__label { color: var(--text-600); font-size: 0.92rem; letter-spacing: 0.08em; }

.calc-result__value {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    font-weight: 900;
    color: var(--ink-700);
}

.calc-result__value small {
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-400);
    font-weight: 500;
    margin-left: 6px;
}

.calc-note { margin-top: 18px; font-size: 0.8rem; color: var(--text-400); }

@media (max-width: 640px) {
    .calc-card { padding: 30px 22px; }
    .calc-grid { grid-template-columns: 1fr; }
}

/* ---------- 諮詢表單 ---------- */
.consult-card {
    max-width: 760px;
    margin-inline: auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--sh-mid);
    padding: 52px 56px;
    position: relative;
    overflow: hidden;
}

.consult-card::before {
    content: '';
    position: absolute;
    inset: 0 auto auto 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, var(--gold-400), var(--teal-500));
}

.consult-card__head { text-align: center; margin-bottom: 36px; }

.consult-card__head h3 {
    font-family: var(--font-display);
    font-size: 1.45rem;
    font-weight: 800;
    color: var(--ink-700);
    letter-spacing: 0.05em;
    line-height: 1.45;
    margin-bottom: 10px;
}

.consult-card__head p { color: var(--text-600); font-size: 0.92rem; }

.consult-form { display: grid; gap: 20px; }

.consult-form .field label {
    display: block;
    font-weight: 700;
    font-size: 0.88rem;
    color: var(--ink-700);
    letter-spacing: 0.08em;
    margin-bottom: 8px;
}

.consult-form .field label .req { color: var(--gold-500); margin-left: 4px; }

.consult-form .field input,
.consult-form .field select,
.consult-form .field textarea {
    width: 100%;
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    background: var(--paper);
    padding: 15px 18px;
    font-size: 1rem;
    font-weight: 500;
    color: var(--text-900);
    font-family: inherit;
    outline: none;
    transition: var(--tr);
    box-sizing: border-box;
}

.consult-form .field textarea {
    min-height: 110px;
    resize: vertical;
}

.consult-form .field input:focus,
.consult-form .field select:focus,
.consult-form .field textarea:focus {
    border-color: var(--teal-500);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(29, 154, 171, 0.12);
}

.consult-form .field input::placeholder,
.consult-form .field textarea::placeholder { color: var(--text-400); }

.consult-form__row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

@media (max-width: 640px) {
    .consult-card { padding: 34px 24px; }
    .consult-form__row { grid-template-columns: 1fr; }
}

.consult-form__submit {
    width: 100%;
    margin-top: 6px;
}

.consult-form__submit:disabled {
    opacity: 0.65;
    cursor: not-allowed;
    transform: none !important;
}

.consult-form__note {
    text-align: center;
    font-size: 0.78rem;
    color: var(--text-400);
    margin-top: 4px;
}

.form-alert {
    display: none;
    align-items: flex-start;
    gap: 10px;
    border-radius: var(--r-sm);
    padding: 14px 18px;
    font-size: 0.92rem;
    font-weight: 600;
    line-height: 1.6;
}

.form-alert.is-show { display: flex; animation: fadeUp 0.4s var(--ease); }

.form-alert--success {
    background: #edf9f1;
    color: #1e8a4c;
    border: 1px solid rgba(30, 138, 76, 0.25);
}

.form-alert--error {
    background: #fdf0ef;
    color: #c0392b;
    border: 1px solid rgba(192, 57, 43, 0.25);
}

.form-alert i { font-size: 1.05rem; line-height: 1.6; }

/* ---------- CTA band ---------- */
.cta-band {
    position: relative;
    overflow: hidden;
    border-radius: var(--r-lg);
    background:
        radial-gradient(640px 300px at 90% 0%, rgba(200, 169, 106, 0.25), transparent 60%),
        linear-gradient(135deg, var(--ink-900), var(--ink-700));
    color: var(--white);
    padding: 72px 64px;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
}

.cta-band::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.06) 1px, transparent 1px);
    background-size: 24px 24px;
    mask-image: linear-gradient(110deg, transparent 50%, rgba(0,0,0,0.9));
    pointer-events: none;
}

.cta-band__text { position: relative; z-index: 2; max-width: 560px; }

.cta-band h2 {
    font-family: var(--font-display);
    font-size: clamp(1.6rem, 3vw, 2.3rem);
    font-weight: 800;
    letter-spacing: 0.06em;
    line-height: 1.4;
    margin-bottom: 14px;
}

.cta-band p { color: rgba(255, 255, 255, 0.7); }

.cta-band__actions {
    position: relative;
    z-index: 2;
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

@media (max-width: 768px) {
    .cta-band { padding: 48px 28px; }
}

/* contact channel cards */
.channel-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 36px 28px;
    text-align: center;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
    height: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.channel-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--sh-mid);
    border-color: rgba(200, 169, 106, 0.45);
}

.channel-card__icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin-bottom: 20px;
    background: var(--teal-050);
    color: var(--teal-600);
    transition: var(--tr);
}

.channel-card:hover .channel-card__icon {
    background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
    color: var(--ink-900);
}

.channel-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--ink-700); margin-bottom: 6px; }
.channel-card .value { font-size: 1.05rem; font-weight: 700; color: var(--teal-600); letter-spacing: 0.04em; }
.channel-card .desc { font-size: 0.85rem; color: var(--text-400); margin-top: 8px; }

/* ---------- Team ---------- */
.member-card {
    display: grid;
    grid-template-columns: 220px 1fr;
    gap: 44px;
    align-items: center;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    padding: 44px;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
}

.member-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--sh-mid);
    border-color: rgba(200, 169, 106, 0.4);
}

.member-card__photo {
    position: relative;
    width: 200px;
    height: 200px;
    border-radius: var(--r-md);
    overflow: hidden;
    border: 5px solid var(--white);
    box-shadow: var(--sh-mid);
    margin-inline: auto;
}

.member-card__photo::after {
    content: '';
    position: absolute;
    inset: -5px;
    border-radius: var(--r-md);
    border: 1px solid rgba(200, 169, 106, 0.55);
    pointer-events: none;
}

.member-card__photo img { width: 100%; height: 100%; object-fit: cover; }

.member-card__name {
    font-family: var(--font-display);
    font-size: 1.45rem;
    font-weight: 800;
    color: var(--ink-700);
    margin-bottom: 12px;
    letter-spacing: 0.05em;
}

.member-card__quote {
    color: var(--text-600);
    font-size: 0.96rem;
    border-left: 3px solid var(--gold-400);
    padding-left: 16px;
    margin-bottom: 26px;
}

.member-card__meta {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.member-card__meta-item {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: var(--r-sm);
    padding: 18px;
    transition: var(--tr);
}

.member-card__meta-item:hover { background: var(--white); box-shadow: var(--sh-soft); }

.member-card__meta-item h4 {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--gold-500);
    letter-spacing: 0.16em;
    margin-bottom: 10px;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--line);
}

.member-card__meta-item span {
    display: block;
    font-size: 0.83rem;
    color: var(--text-600);
    margin-bottom: 5px;
    line-height: 1.55;
}

@media (max-width: 900px) {
    .member-card { grid-template-columns: 1fr; padding: 30px 24px; gap: 26px; text-align: center; }
    .member-card__quote { text-align: left; }
    .member-card__meta { grid-template-columns: 1fr; text-align: left; }
}

/* ---------- Video facade ---------- */
.video-facade {
    position: relative;
    aspect-ratio: 16 / 9;
    border-radius: var(--r-md);
    overflow: hidden;
    cursor: pointer;
    background: var(--ink-900);
    box-shadow: var(--sh-soft);
    transition: var(--tr);
}

.video-facade:hover { transform: translateY(-6px); box-shadow: var(--sh-mid); }

.video-facade img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.85;
    transition: var(--tr);
}

.video-facade:hover img { opacity: 1; transform: scale(1.04); }

.video-facade__play {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 68px;
    height: 68px;
    border-radius: 50%;
    background: rgba(200, 169, 106, 0.92);
    color: var(--ink-900);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    box-shadow: 0 16px 36px rgba(7, 25, 29, 0.45);
    transition: var(--tr);
}

.video-facade:hover .video-facade__play { transform: translate(-50%, -50%) scale(1.1); }

.video-facade iframe {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

/* ---------- Compare image ---------- */
.compare-figure {
    max-width: 920px;
    margin-inline: auto;
    border-radius: var(--r-md);
    overflow: hidden;
    box-shadow: var(--sh-mid);
    border: 1px solid var(--line);
    background: var(--white);
}

.compare-figure img { width: 100%; }

/* ---------- Fraud / notice ---------- */
.notice-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 34px 28px;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
    height: 100%;
    position: relative;
    overflow: hidden;
}

.notice-card::before {
    content: '';
    position: absolute;
    inset: 0 auto auto 0;
    width: 100%;
    height: 4px;
}

.notice-card:hover { transform: translateY(-6px); box-shadow: var(--sh-mid); }

.notice-card--red::before { background: linear-gradient(90deg, #e2574c, #c0392b); }
.notice-card--green::before { background: linear-gradient(90deg, #27ae60, #1e8a4c); }
.notice-card--gold::before { background: linear-gradient(90deg, var(--gold-400), var(--gold-500)); }
.notice-card--teal::before { background: linear-gradient(90deg, var(--teal-500), var(--ink-700)); }

.notice-card__icon {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    margin-bottom: 20px;
}

.notice-card--red .notice-card__icon { background: #fdf0ef; color: #c0392b; }
.notice-card--green .notice-card__icon { background: #edf9f1; color: #1e8a4c; }
.notice-card--gold .notice-card__icon { background: var(--gold-050); color: var(--gold-500); }
.notice-card--teal .notice-card__icon { background: var(--teal-050); color: var(--teal-600); }

.notice-card h3 {
    font-size: 1.12rem;
    font-weight: 700;
    color: var(--ink-700);
    margin-bottom: 16px;
}

.notice-card ul { display: grid; gap: 10px; }

.notice-card ul li {
    position: relative;
    padding-left: 24px;
    font-size: 0.9rem;
    color: var(--text-600);
    line-height: 1.6;
}

.notice-card ul li::before {
    font-family: 'bootstrap-icons';
    position: absolute;
    left: 0;
    top: 1px;
    font-size: 0.9rem;
}

.notice-card--red ul li::before { content: '\F62A'; color: #c0392b; }
.notice-card--green ul li::before { content: '\F26B'; color: #1e8a4c; }
.notice-card--gold ul li::before { content: '\F33B'; color: var(--gold-500); }
.notice-card--teal ul li::before { content: '\F5AE'; color: var(--teal-600); }

/* ---------- Privacy / prose ---------- */
.prose-card {
    max-width: 880px;
    margin-inline: auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--sh-soft);
    padding: 64px;
}

.prose-card h2 {
    font-family: var(--font-display);
    font-size: 1.6rem;
    color: var(--ink-700);
    text-align: center;
    letter-spacing: 0.08em;
    margin-bottom: 12px;
}

.prose-card .prose-intro {
    text-align: center;
    color: var(--text-600);
    padding-bottom: 28px;
    margin-bottom: 36px;
    border-bottom: 1px solid var(--line);
}

.prose-card h3 {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.08rem;
    color: var(--ink-700);
    font-weight: 700;
    margin: 34px 0 12px;
}

.prose-card h3::before {
    content: '';
    width: 18px;
    height: 2px;
    background: var(--gold-500);
}

.prose-card p, .prose-card li { color: var(--text-600); font-size: 0.95rem; }

.prose-card ol { padding-left: 22px; list-style: cjk-ideographic; display: grid; gap: 10px; margin: 12px 0; }

.prose-card .prose-foot {
    margin-top: 44px;
    padding-top: 28px;
    border-top: 1px solid var(--line);
    color: var(--ink-700);
    font-weight: 600;
}

@media (max-width: 640px) {
    .prose-card { padding: 34px 24px; }
}

/* ---------- Social embed ---------- */
.social-tabs {
    display: flex;
    justify-content: center;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 44px;
}

.social-tabs button {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 13px 28px;
    border-radius: 100px;
    border: 1px solid var(--line);
    background: var(--white);
    color: var(--text-600);
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.05em;
    cursor: pointer;
    transition: var(--tr);
    box-shadow: var(--sh-soft);
}

.social-tabs button i { font-size: 1.15rem; }

.social-tabs button:hover { transform: translateY(-3px); box-shadow: var(--sh-mid); }

.social-tabs button.is-active {
    background: linear-gradient(120deg, var(--teal-500), var(--ink-700));
    border-color: transparent;
    color: var(--white);
}

.social-panel { display: none; }
.social-panel.is-active { display: block; animation: fadeUp 0.55s var(--ease); }

.social-panel__card {
    display: grid;
    grid-template-columns: minmax(0, 460px) 1fr;
    gap: 48px;
    align-items: center;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--sh-mid);
    padding: 52px;
}

.social-panel__card h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    color: var(--ink-700);
    font-weight: 800;
    letter-spacing: 0.04em;
    margin-bottom: 16px;
    line-height: 1.45;
}

.social-panel__card p { color: var(--text-600); font-size: 0.96rem; margin-bottom: 28px; }

.social-panel__media iframe { width: 100%; border: 0; border-radius: var(--r-md); }

@media (max-width: 991px) {
    .social-panel__card { grid-template-columns: 1fr; padding: 30px 22px; gap: 28px; }
}

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(18px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ---------- Footer ---------- */
.site-footer {
    background: linear-gradient(170deg, var(--ink-900), #051114);
    color: rgba(255, 255, 255, 0.72);
    padding: 88px 0 0;
    position: relative;
}

.site-footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(200, 169, 106, 0.6), transparent);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr 1.2fr;
    gap: 48px;
    padding-bottom: 64px;
}

.footer-brand .site-logo__text strong { font-size: 1.35rem; }

.footer-brand p {
    margin-top: 20px;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.55);
    max-width: 280px;
}

.footer-social { display: flex; gap: 12px; margin-top: 26px; }

.footer-social a {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.18);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.05rem;
    transition: var(--tr);
}

.footer-social a:hover {
    background: var(--gold-500);
    border-color: var(--gold-500);
    color: var(--ink-900);
    transform: translateY(-3px);
}

.footer-col h4 {
    color: var(--white);
    font-size: 0.92rem;
    font-weight: 700;
    letter-spacing: 0.24em;
    margin-bottom: 24px;
}

.footer-col h4::after {
    content: '';
    display: block;
    width: 24px;
    height: 2px;
    background: var(--gold-500);
    margin-top: 10px;
}

.footer-col ul { display: grid; gap: 13px; }

.footer-col a {
    font-size: 0.92rem;
    color: rgba(255, 255, 255, 0.62);
    transition: var(--tr);
}

.footer-col a:hover { color: var(--gold-400); padding-left: 4px; }

.footer-contact li {
    display: flex;
    gap: 12px;
    font-size: 0.9rem;
    align-items: flex-start;
}

.footer-contact i { color: var(--gold-500); line-height: 1.7; }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 26px 0;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.42);
}

.footer-bottom a { color: rgba(255, 255, 255, 0.6); transition: var(--tr); }
.footer-bottom a:hover { color: var(--gold-400); }

@media (max-width: 991px) {
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
    .footer-grid { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- Floating dock (mobile) ---------- */
.mobile-dock {
    position: fixed;
    inset: auto 0 0 0;
    z-index: 880;
    display: none;
    grid-template-columns: repeat(3, 1fr);
    background: rgba(7, 25, 29, 0.96);
    backdrop-filter: blur(12px);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-bottom: env(safe-area-inset-bottom);
}

.mobile-dock a {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 3px;
    padding: 12px 0 10px;
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.74rem;
    letter-spacing: 0.1em;
}

.mobile-dock a i { font-size: 1.2rem; }
.mobile-dock a:nth-child(1) i { color: #06c755; }
.mobile-dock a:nth-child(2) i { color: var(--gold-400); }
.mobile-dock a:nth-child(3) i { color: var(--teal-500); }

/* ---------- Side rail (desktop) ---------- */
.side-rail {
    position: fixed;
    right: 22px;
    bottom: 32px;
    z-index: 870;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.side-rail a,
.side-rail button {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    color: var(--white);
    background: var(--ink-700);
    box-shadow: var(--sh-mid);
    transition: var(--tr);
    position: relative;
}

.side-rail a:hover,
.side-rail button:hover { transform: translateY(-4px) scale(1.05); }

.side-rail .rail-line { background: #06c755; }
.side-rail .rail-phone { background: linear-gradient(135deg, var(--gold-400), var(--gold-500)); color: var(--ink-900); }

.side-rail .rail-top {
    background: var(--white);
    color: var(--ink-700);
    border: 1px solid var(--line);
    opacity: 0;
    visibility: hidden;
}

body.show-top .side-rail .rail-top { opacity: 1; visibility: visible; }

.side-rail [data-tip]::before {
    content: attr(data-tip);
    position: absolute;
    right: calc(100% + 12px);
    top: 50%;
    transform: translateY(-50%);
    background: var(--ink-900);
    color: var(--white);
    font-size: 0.75rem;
    letter-spacing: 0.1em;
    padding: 7px 14px;
    border-radius: 6px;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transition: var(--tr);
}

.side-rail [data-tip]:hover::before { opacity: 1; visibility: visible; }

/* ---------- Reveal animation ---------- */
[data-reveal] {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

[data-reveal].is-visible { opacity: 1; transform: translateY(0); }

[data-reveal="left"] { transform: translateX(-36px); }
[data-reveal="right"] { transform: translateX(36px); }
[data-reveal="left"].is-visible,
[data-reveal="right"].is-visible { transform: translateX(0); }

@media (prefers-reduced-motion: reduce) {
    [data-reveal] { opacity: 1; transform: none; transition: none; }
}

/* stagger helpers */
.stagger > *:nth-child(2) { transition-delay: 0.08s; }
.stagger > *:nth-child(3) { transition-delay: 0.16s; }
.stagger > *:nth-child(4) { transition-delay: 0.24s; }
.stagger > *:nth-child(5) { transition-delay: 0.32s; }
.stagger > *:nth-child(6) { transition-delay: 0.4s; }

/* ---------- Responsive ---------- */
@media (max-width: 1280px) {
    .site-logo__text span { display: none; }
    .site-nav > a,
    .nav-dropdown__trigger { padding: 10px 11px; font-size: 0.86rem; }
}

@media (max-width: 1180px) {
    .header-cta__text { display: none; }
    .header-cta { padding: 10px 13px; }
}

@media (max-width: 1080px) {
    .site-nav { display: none; }
    .header-cta { display: none; }
    .nav-trigger { display: flex; }
}

@media (min-width: 1081px) {
    .nav-drawer { display: none; }
}

@media (max-width: 991px) {
    .hero-home__inner { grid-template-columns: 1fr; gap: 48px; }
    .hero-home { min-height: 0; }
    .section { padding: 72px 0; }
}

@media (max-width: 768px) {
    .mobile-dock { display: grid; }
    .side-rail { display: none; }
    body { padding-bottom: 64px; }
    .hero-stats { flex-direction: row; flex-wrap: wrap; gap: 18px 0; }
    .hero-stats li { flex: 1 1 45%; }
    .hero-stats li + li:nth-child(odd) { border-left: none; padding-left: 0; }
}

/* ---------- Accessibility ---------- */
.skip-link {
    position: absolute;
    top: -100px;
    left: 16px;
    z-index: 9999;
    padding: 12px 20px;
    background: var(--gold-500);
    color: var(--ink-900);
    font-weight: 700;
    border-radius: var(--r-sm);
    transition: top 0.2s var(--ease);
}

.skip-link:focus {
    top: 16px;
}

:focus-visible {
    outline: 2px solid var(--gold-400);
    outline-offset: 3px;
}

.side-rail .rail-form {
    background: linear-gradient(135deg, var(--teal-500), var(--teal-600));
}

/* ---------- Breadcrumb ---------- */
.breadcrumb {
    padding: calc(var(--header-h) + 16px) 0 0;
    background: var(--white);
}

.breadcrumb__list {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    color: var(--text-600);
}

.breadcrumb__item + .breadcrumb__item::before {
    content: '/';
    margin-right: 8px;
    color: var(--text-400);
}

.breadcrumb__item a:hover { color: var(--teal-600); }
.breadcrumb__item span[aria-current] { color: var(--text-900); font-weight: 500; }

.breadcrumb--dark {
    background: var(--ink-900);
    color: rgba(255, 255, 255, 0.6);
    padding-bottom: 0;
}

.breadcrumb--dark .breadcrumb__item a { color: rgba(255, 255, 255, 0.82); }
.breadcrumb--dark .breadcrumb__item a:hover { color: var(--gold-400); }
.breadcrumb--dark .breadcrumb__item span[aria-current] { color: var(--gold-400); }
.breadcrumb--dark .breadcrumb__item + .breadcrumb__item::before { color: rgba(255, 255, 255, 0.35); }

.breadcrumb--dark + main > .page-hero:first-child {
    padding-top: 36px;
}

/* ---------- Testimonials ---------- */
.rating-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-top: 16px;
    padding: 10px 18px;
    background: var(--gold-050);
    border: 1px solid rgba(200, 169, 106, 0.35);
    border-radius: 999px;
    font-size: 0.88rem;
    color: var(--ink-700);
}

.rating-badge__stars { color: #f59e0b; }

.review-card {
    margin: 0;
    padding: 28px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    box-shadow: var(--sh-soft);
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.review-card__stars { color: #f59e0b; font-size: 0.9rem; }
.review-card p { color: var(--text-600); font-size: 0.94rem; flex: 1; }
.review-card footer { display: flex; flex-direction: column; gap: 2px; }
.review-card footer strong { font-size: 0.92rem; }
.review-card footer span { font-size: 0.78rem; color: var(--teal-600); }

.section-cta-link {
    display: flex;
    justify-content: center;
    margin-top: 36px;
}

/* ---------- Process timeline ---------- */
.process-timeline {
    display: grid;
    gap: 0;
    position: relative;
    max-width: 820px;
    margin-inline: auto;
}

.process-timeline__item {
    display: grid;
    grid-template-columns: 120px 1fr;
    gap: 24px;
    padding-bottom: 36px;
    position: relative;
}

.process-timeline__item:not(:last-child)::after {
    content: '';
    position: absolute;
    left: 59px;
    top: 56px;
    bottom: 0;
    width: 2px;
    background: linear-gradient(180deg, var(--teal-500), rgba(29, 154, 171, 0.15));
}

.process-timeline__marker {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    text-align: center;
}

.process-timeline__num {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--ink-700), var(--teal-600));
    color: var(--white);
    font-weight: 700;
    font-size: 0.9rem;
    box-shadow: var(--sh-soft);
    position: relative;
    z-index: 1;
}

.process-timeline__time {
    font-size: 0.72rem;
    color: var(--gold-500);
    font-weight: 700;
    letter-spacing: 0.06em;
    white-space: nowrap;
}

.process-timeline__body {
    padding: 18px 22px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    box-shadow: var(--sh-soft);
}

.process-timeline__body h3 {
    font-family: var(--font-display);
    font-size: 1.08rem;
    margin-bottom: 8px;
}

.process-timeline__body p { color: var(--text-600); font-size: 0.92rem; }

/* ---------- Success stories ---------- */
.story-card {
    padding: 28px;
    background: var(--white);
    border-radius: var(--r-md);
    border: 1px solid var(--line);
    box-shadow: var(--sh-soft);
}

.story-card__tag {
    display: inline-block;
    padding: 4px 12px;
    background: var(--teal-050);
    color: var(--teal-600);
    font-size: 0.74rem;
    font-weight: 700;
    border-radius: 999px;
    margin-bottom: 12px;
}

.story-card h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    margin-bottom: 10px;
}

.story-card__amount {
    font-size: 0.88rem;
    color: var(--text-600);
    margin-bottom: 12px;
}

.story-card__amount strong {
    color: var(--gold-500);
    font-size: 1.2rem;
}

.story-card p { color: var(--text-600); font-size: 0.92rem; }

/* ---------- Fraud scenarios ---------- */
.scenario-card {
    padding: 26px;
    background: var(--white);
    border-radius: var(--r-md);
    border: 1px solid var(--line);
    box-shadow: var(--sh-soft);
}

.scenario-card__icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    margin-bottom: 14px;
}

.scenario-card--red .scenario-card__icon { background: #fef2f2; color: #dc2626; }
.scenario-card--gold .scenario-card__icon { background: var(--gold-050); color: #b45309; }
.scenario-card--teal .scenario-card__icon { background: var(--teal-050); color: var(--teal-600); }

.scenario-card h3 {
    font-size: 1.05rem;
    margin-bottom: 16px;
}

.scenario-card__block {
    padding: 14px;
    border-radius: var(--r-sm);
    margin-bottom: 10px;
}

.scenario-card__block h4 {
    font-size: 0.82rem;
    margin-bottom: 6px;
    display: flex;
    align-items: center;
    gap: 6px;
}

.scenario-card__block p { font-size: 0.88rem; color: var(--text-600); }

.scenario-card__block--trap { background: #fef2f2; }
.scenario-card__block--trap h4 { color: #b91c1c; }
.scenario-card__block--safe { background: #ecfdf5; margin-bottom: 0; }
.scenario-card__block--safe h4 { color: #047857; }

.scenario-help {
    margin-top: 28px;
    text-align: center;
    padding: 16px 20px;
    background: rgba(255, 255, 255, 0.7);
    border-radius: var(--r-md);
    font-size: 0.9rem;
    color: var(--text-600);
}

.scenario-help strong { color: var(--ink-700); }

/* ---------- Trust badges / office ---------- */
.trust-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 28px;
    align-items: stretch;
}

.trust-office {
    display: grid;
    gap: 0;
    background: var(--white);
    border-radius: var(--r-lg);
    overflow: hidden;
    border: 1px solid var(--line);
    box-shadow: var(--sh-soft);
}

.trust-office__photo img {
    width: 100%;
    height: 240px;
    object-fit: cover;
}

.trust-office__info { padding: 24px 28px; }

.trust-office__info h3 {
    font-family: var(--font-display);
    margin-bottom: 16px;
}

.trust-info-list {
    display: grid;
    gap: 12px;
    margin-bottom: 20px;
}

.trust-info-list li {
    display: flex;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--text-600);
}

.trust-info-list i { color: var(--teal-600); flex-shrink: 0; margin-top: 3px; }

.trust-badges {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.trust-badge-card {
    padding: 22px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    box-shadow: var(--sh-soft);
}

.trust-badge-card__icon {
    font-size: 1.5rem;
    color: var(--teal-600);
    margin-bottom: 10px;
}

.trust-badge-card h4 { font-size: 0.95rem; margin-bottom: 8px; }
.trust-badge-card p { font-size: 0.84rem; color: var(--text-600); }
.trust-badge-card--link { transition: var(--tr); }
.trust-badge-card--link:hover { border-color: var(--gold-400); transform: translateY(-2px); }

/* ---------- Articles ---------- */
.article-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.article-grid--3 { grid-template-columns: repeat(3, 1fr); }

.article-card {
    display: flex;
    flex-direction: column;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    overflow: hidden;
    box-shadow: var(--sh-soft);
    transition: var(--tr);
}

.article-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--sh-mid);
    border-color: rgba(29, 154, 171, 0.25);
}

.article-card__media img {
    width: 100%;
    height: 200px;
    object-fit: cover;
}

.article-card--compact .article-card__body { padding: 20px; }

.article-card__body {
    padding: 22px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
}

.article-card__cat {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    color: var(--teal-600);
    text-transform: uppercase;
}

.article-card h2,
.article-card h3 {
    font-family: var(--font-display);
    font-size: 1.05rem;
    line-height: 1.45;
}

.article-card p {
    color: var(--text-600);
    font-size: 0.9rem;
    flex: 1;
}

.article-card time {
    font-size: 0.78rem;
    color: var(--text-400);
}

.article-detail { max-width: 820px; margin-inline: auto; }

.article-detail__head {
    margin-bottom: 24px;
    display: grid;
    gap: 12px;
}

.article-detail__head h1 {
    font-family: var(--font-display);
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    line-height: 1.35;
}

.article-detail__hero {
    margin-bottom: 28px;
    border-radius: var(--r-md);
    overflow: hidden;
}

.article-detail__hero img { width: 100%; max-height: 420px; object-fit: cover; }

.article-detail__content h3 {
    font-family: var(--font-display);
    font-size: 1.1rem;
    margin: 24px 0 10px;
}

.article-detail__content ul {
    margin: 0 0 16px 1.2em;
    list-style: disc;
    color: var(--text-600);
}

.article-detail__content li { margin-bottom: 6px; }
.article-detail__content p { margin-bottom: 14px; color: var(--text-600); }

.article-detail__foot {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 32px;
    padding-top: 24px;
    border-top: 1px solid var(--line);
}

.empty-state {
    text-align: center;
    padding: 64px 24px;
    color: var(--text-600);
}

.empty-state i { font-size: 2.5rem; color: var(--teal-500); margin-bottom: 16px; display: block; }

/* ---------- 404 ---------- */
.error-page {
    min-height: calc(100vh - var(--header-h));
    display: flex;
    align-items: center;
    padding: calc(var(--header-h) + 48px) 0 88px;
    background: linear-gradient(180deg, var(--teal-050), var(--paper));
}

.error-page__inner { text-align: center; max-width: 560px; margin-inline: auto; }

.error-page__code {
    display: block;
    font-family: var(--font-display);
    font-size: clamp(4rem, 12vw, 7rem);
    line-height: 1;
    color: var(--teal-600);
    opacity: 0.25;
    margin-bottom: 8px;
}

.error-page h1 {
    font-family: var(--font-display);
    font-size: 1.8rem;
    margin-bottom: 14px;
}

.error-page p { color: var(--text-600); margin-bottom: 28px; }

.error-page__actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    margin-bottom: 28px;
}

.error-page__links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 16px 24px;
    font-size: 0.9rem;
}

.error-page__links a { color: var(--teal-600); font-weight: 500; }
.error-page__links a:hover { text-decoration: underline; }

@media (max-width: 991px) {
    .trust-grid { grid-template-columns: 1fr; }
    .article-grid,
    .article-grid--3 { grid-template-columns: 1fr; }
    .trust-badges { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .process-timeline__item {
        grid-template-columns: 72px 1fr;
        gap: 14px;
    }

    .process-timeline__item:not(:last-child)::after { left: 35px; }

    .breadcrumb { padding-top: calc(var(--header-h) + 8px); }
}