/* ========================================
   Mirkuz SACCO - Stylesheet
   ======================================== */

:root {
    --primary: #005F73;
    --primary-dark: #003B46;
    --primary-darker: #00272E;
    --accent: #94A11C;
    --accent-dark: #6E7A12;
    --gold: #C9A227;
    --bg: #F4F1EA;
    --bg-alt: #EAE3D2;
    --surface: #FFFFFF;
    --text: #0F2A2E;
    --text-muted: #56666B;
    --text-light: #8A969B;
    --border: #C9C2B0;
    --border-strong: #1A3B41;
    --shadow-soft: 0 2px 4px rgba(15, 42, 46, 0.06);
    --shadow-md: 0 6px 18px rgba(15, 42, 46, 0.1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', 'Noto Sans Ethiopic', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    overflow-x: hidden;
}

html[lang="am"] body { line-height: 1.75; }

img { max-width: 100%; display: block; }

a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--primary-dark); }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

.section-title {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 12px;
    line-height: 1.2;
    letter-spacing: -0.5px;
}

.section-title::before {
    content: "";
    display: block;
    width: 60px;
    height: 4px;
    background: var(--accent);
    margin-bottom: 14px;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--text-muted);
    margin-bottom: 50px;
    max-width: 680px;
}

.section { padding: 80px 0; }
.section-tight { padding: 56px 0; }
.section-alt { background: var(--bg-alt); }

/* ===========================
   TOP BAR
   =========================== */
.topbar {
    background: var(--primary-darker);
    color: rgba(255,255,255,0.85);
    font-size: 0.85rem;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

.topbar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }

.topbar-left { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar-left span { display: inline-flex; align-items: center; gap: 6px; }
.topbar-left svg { width: 14px; height: 14px; opacity: 0.8; }

/* Language Selector */
.lang-dropdown {
    position: relative;
    z-index: 100;
}

.lang-btn {
    background: transparent;
    border: 1px solid rgba(255,255,255,0.18);
    color: rgba(255,255,255,0.9);
    padding: 6px 12px;
    font-size: 0.82rem;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: inherit;
    font-weight: 600;
    letter-spacing: 0.3px;
}

.lang-btn:hover { background: rgba(255,255,255,0.05); }
.lang-btn .caret { font-size: 0.7rem; opacity: 0.7; }

.lang-menu {
    position: absolute;
    top: calc(100% + 4px);
    right: 0;
    background: var(--surface);
    border: 1px solid var(--border);
    min-width: 160px;
    box-shadow: var(--shadow-md);
    display: none;
    list-style: none;
}

.lang-menu.open { display: block; }
.lang-menu li { list-style: none; }

.lang-menu button {
    width: 100%;
    text-align: left;
    padding: 11px 16px;
    background: transparent;
    border: none;
    border-bottom: 1px solid var(--bg-alt);
    cursor: pointer;
    font-family: inherit;
    color: var(--text);
    font-weight: 600;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    gap: 10px;
}

.lang-menu button:last-child { border-bottom: none; }
.lang-menu button:hover { background: var(--bg); color: var(--primary); }
.lang-menu button .flag {
    width: 20px; height: 14px;
    display: inline-block;
    border: 1px solid var(--border);
    background-size: cover;
    background-position: center;
}
.lang-menu button .flag-en { background: linear-gradient(135deg, #012169 33%, #fff 33% 66%, #C8102E 66%); }
.lang-menu button .flag-am { background: linear-gradient(to bottom, #078930 33%, #FCDD09 33% 66%, #DA121A 66%); }

/* ===========================
   HEADER / NAV
   =========================== */
.header {
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 90;
    box-shadow: var(--shadow-soft);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 24px;
    max-width: 1200px;
    margin: 0 auto;
}

.brand {
    display: flex;
    align-items: center;
    gap: 14px;
}

.brand-logo {
    width: 50px;
    height: 50px;
    object-fit: cover;
    border: 2px solid var(--primary);
    padding: 2px;
    background: var(--surface);
}

.brand-text { line-height: 1.15; }
.brand-name {
    font-weight: 800;
    color: var(--primary-dark);
    font-size: 1.05rem;
    letter-spacing: -0.2px;
    display: block;
}
.brand-name-am {
    font-size: 0.8rem;
    color: var(--text-muted);
    display: block;
    margin-top: 1px;
}

.nav-main { display: flex; align-items: center; gap: 4px; }

.nav-main a {
    color: var(--text);
    padding: 10px 14px;
    font-weight: 600;
    font-size: 0.95rem;
    position: relative;
    transition: color 0.2s;
}

.nav-main a:hover { color: var(--primary); }
.nav-main a.active { color: var(--primary); }
.nav-main a.active::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 14px; right: 14px;
    height: 3px;
    background: var(--accent);
}

.btn-primary {
    background: var(--primary);
    color: white;
    padding: 12px 22px;
    font-weight: 700;
    font-size: 0.92rem;
    letter-spacing: 0.3px;
    border: 2px solid var(--primary);
    cursor: pointer;
    display: inline-block;
    transition: all 0.25s;
    font-family: inherit;
}

.btn-primary:hover {
    background: var(--primary-dark);
    border-color: var(--primary-dark);
    color: white;
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    padding: 12px 22px;
    font-weight: 700;
    font-size: 0.92rem;
    border: 2px solid var(--primary);
    cursor: pointer;
    display: inline-block;
    transition: all 0.25s;
    font-family: inherit;
}
.btn-outline:hover {
    background: var(--primary);
    color: white;
}

.btn-gold {
    background: var(--accent);
    color: var(--primary-darker);
    padding: 12px 24px;
    font-weight: 800;
    border: 2px solid var(--accent-dark);
    cursor: pointer;
    display: inline-block;
    font-size: 0.95rem;
    font-family: inherit;
}
.btn-gold:hover { background: var(--accent-dark); color: white; border-color: var(--accent-dark); }

.btn-ghost {
    background: transparent;
    border: none;
    color: white;
    padding: 12px 20px;
    font-weight: 600;
    cursor: pointer;
    font-family: inherit;
}
.btn-ghost:hover { color: var(--bg); }

.menu-toggle {
    display: none;
    background: transparent;
    border: 2px solid var(--primary-dark);
    color: var(--primary-dark);
    padding: 8px 10px;
    cursor: pointer;
    font-size: 1.4rem;
    line-height: 1;
}

/* ===========================
   HERO
   =========================== */
.hero {
    position: relative;
    background: var(--primary-darker);
    color: white;
    padding: 110px 0 100px;
    overflow: hidden;
    border-bottom: 6px solid var(--accent);
}

.hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('../images/mirkuz-saccos.jpg');
    background-size: cover;
    background-position: center;
    opacity: 0.22;
    filter: saturate(0.6);
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(0,39,46,0.95) 0%, rgba(0,95,115,0.78) 100%);
}

.hero-inner { position: relative; z-index: 2; max-width: 820px; }

.hero-tag {
    display: inline-block;
    color: var(--accent);
    font-weight: 700;
    font-size: 0.85rem;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 22px;
    border: 1px solid var(--accent);
    padding: 6px 14px;
}

.hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.6rem);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -1px;
    margin-bottom: 18px;
}

.hero .amharic-line {
    font-size: clamp(1.3rem, 2.5vw, 1.8rem);
    color: rgba(255,255,255,0.85);
    margin-bottom: 26px;
    display: block;
}

.hero p.lead {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
    max-width: 640px;
}

.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }

/* ===========================
   STATS BAR
   =========================== */
.stats {
    background: var(--primary-dark);
    color: white;
    padding: 36px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
}

.stat-item {
    padding: 0 12px;
    border-right: 1px solid rgba(255,255,255,0.12);
}
.stat-item:last-child { border-right: none; }

.stat-num {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--accent);
    display: block;
    line-height: 1;
    margin-bottom: 8px;
    letter-spacing: -1px;
}
.stat-label {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.75);
    font-weight: 500;
}

/* ===========================
   ABOUT
   =========================== */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.about-image-frame {
    position: relative;
    border: 6px solid var(--bg);
    outline: 1px solid var(--border);
}

.about-image-frame img {
    width: 100%;
    height: 480px;
    object-fit: cover;
}

.about-accent-bar {
    position: absolute;
    bottom: -12px;
    left: 24px;
    background: var(--accent);
    color: var(--primary-darker);
    padding: 14px 24px;
    font-weight: 800;
    font-size: 1rem;
    letter-spacing: 0.5px;
    border: 2px solid var(--accent-dark);
}

.about-content p {
    margin-bottom: 18px;
    color: var(--text-muted);
    font-size: 1.02rem;
}

.about-content .section-title { margin-bottom: 8px; }

.value-list {
    list-style: none;
    margin-top: 26px;
}
.value-list li {
    padding: 14px 0;
    border-bottom: 1px solid var(--border);
    display: flex;
    gap: 14px;
    align-items: flex-start;
}
.value-list li:last-child { border-bottom: none; }

.value-list .check {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    background: var(--primary);
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    margin-top: 2px;
}

.value-list strong { display: block; color: var(--primary-dark); font-size: 1.05rem; margin-bottom: 2px; }
.value-list span { color: var(--text-muted); font-size: 0.95rem; }

/* ===========================
   LOANS
   =========================== */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
    margin-top: 40px;
}

.loan-card {
    background: var(--surface);
    border: 1px solid var(--border);
    overflow: hidden;
    position: relative;
    transition: border-color 0.3s, transform 0.3s;
}

.loan-card:hover {
    border-color: var(--primary);
    transform: translateY(-4px);
}

.loan-card-img {
    position: relative;
    height: 240px;
    overflow: hidden;
}

.loan-card-img img {
    width: 100%; height: 100%;
    object-fit: cover;
    transition: transform 0.6s;
}

.loan-card:hover .loan-card-img img { transform: scale(1.05); }

.loan-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--accent);
    color: var(--primary-darker);
    padding: 8px 14px;
    font-weight: 800;
    font-size: 0.85rem;
    border: 2px solid var(--accent-dark);
    letter-spacing: 0.5px;
}

.loan-card-body { padding: 28px; }

.loan-card h3 {
    font-size: 1.4rem;
    color: var(--primary-dark);
    margin-bottom: 6px;
    font-weight: 800;
}

.loan-card .amharic-sub {
    display: block;
    font-size: 1rem;
    color: var(--accent-dark);
    margin-bottom: 16px;
    font-weight: 600;
}

.loan-card p { color: var(--text-muted); margin-bottom: 18px; font-size: 0.96rem; }

.loan-features {
    list-style: none;
    border-top: 1px solid var(--border);
    padding-top: 16px;
}
.loan-features li {
    padding: 6px 0;
    font-size: 0.92rem;
    color: var(--text-muted);
    display: flex;
    justify-content: space-between;
}
.loan-features li strong { color: var(--primary-dark); }

/* ===========================
   MEMBERSHIP
   =========================== */
.membership-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 50px;
    align-items: start;
    margin-top: 40px;
}

.criteria-list {
    background: var(--surface);
    border: 1px solid var(--border);
    padding: 36px;
}

.criteria-list li {
    list-style: none;
    padding: 18px 0;
    border-bottom: 1px dashed var(--border);
    display: flex;
    gap: 14px;
    align-items: flex-start;
}

.criteria-list li:last-child { border-bottom: none; }

.criteria-list .num {
    flex-shrink: 0;
    width: 34px;
    height: 34px;
    background: var(--primary-dark);
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.95rem;
    border: 2px solid var(--accent);
}

.criteria-list p { color: var(--text); font-size: 0.98rem; margin: 0; }
.criteria-list strong { color: var(--primary-dark); display: block; margin-bottom: 2px; }

.cost-card {
    background: var(--primary-dark);
    color: white;
    padding: 36px;
    border: 4px solid var(--accent);
    position: relative;
}

.cost-card::before {
    content: "";
    position: absolute;
    top: 12px; left: 12px;
    right: 12px; bottom: 12px;
    border: 1px solid rgba(201, 162, 39, 0.3);
    pointer-events: none;
}

.cost-card h3 {
    color: var(--accent);
    font-size: 1.3rem;
    margin-bottom: 24px;
    font-weight: 800;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.cost-row {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,0.12);
    font-size: 0.95rem;
}

.cost-row:last-child { border-bottom: none; }
.cost-row span:last-child { color: var(--accent); font-weight: 700; }

.cost-total {
    margin-top: 20px;
    padding-top: 20px;
    border-top: 3px double var(--accent);
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    font-size: 1.1rem;
}

.cost-total .total-num {
    font-size: 2rem;
    font-weight: 800;
    color: var(--accent);
    letter-spacing: -1px;
}

/* ===========================
   CALCULATOR
   =========================== */
.calculator-section {
    background: var(--primary-darker);
    color: white;
    padding: 80px 0;
    border-top: 6px solid var(--accent);
    border-bottom: 6px solid var(--accent);
}

.calculator-section .section-title { color: white; }
.calculator-section .section-title::before { background: var(--accent); }
.calculator-section .section-subtitle { color: rgba(255,255,255,0.7); }

.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 40px;
    margin-top: 40px;
}

.calc-form {
    background: var(--primary-dark);
    padding: 36px;
    border: 1px solid rgba(255,255,255,0.08);
}

.field { margin-bottom: 22px; }
.field label {
    display: block;
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: rgba(255,255,255,0.85);
    text-transform: uppercase;
    letter-spacing: 0.6px;
}

.field select, .field input {
    width: 100%;
    background: var(--primary-darker);
    color: white;
    border: 1px solid rgba(255,255,255,0.18);
    padding: 14px 16px;
    font-family: inherit;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 0;
    appearance: none;
}

.field select:focus, .field input:focus {
    outline: 2px solid var(--accent);
    outline-offset: -2px;
    border-color: var(--accent);
}

.field select {
    background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%2394A11C' d='M5 6L0 0h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 40px;
}

.calc-results {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.result-card {
    background: var(--primary-dark);
    padding: 24px;
    border-left: 4px solid var(--accent);
    border-bottom: 1px solid rgba(255,255,255,0.08);
    border-right: 1px solid rgba(255,255,255,0.08);
    border-top: 1px solid rgba(255,255,255,0.08);
}

.result-card.full { grid-column: span 2; }
.result-card.success {
    background: var(--primary);
    border: 1px solid var(--accent);
    border-left-width: 6px;
}

.result-card .label {
    font-size: 0.78rem;
    text-transform: uppercase;
    color: rgba(255,255,255,0.7);
    letter-spacing: 1px;
    margin-bottom: 8px;
}

.result-card .value {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--accent);
    line-height: 1;
    letter-spacing: -1px;
}

.result-card .sub {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    margin-top: 6px;
}

.calc-note {
    margin-top: 24px;
    padding: 16px;
    background: rgba(0,0,0,0.18);
    border-left: 3px solid var(--accent);
    font-size: 0.88rem;
    color: rgba(255,255,255,0.78);
}

/* ===========================
   CTA STRIP
   =========================== */
.cta-strip {
    background: var(--accent);
    color: var(--primary-darker);
    padding: 50px 0;
    text-align: center;
    border-top: 4px solid var(--accent-dark);
    border-bottom: 4px solid var(--accent-dark);
}

.cta-strip h2 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.cta-strip p { font-size: 1.1rem; margin-bottom: 22px; opacity: 0.85; }

.cta-strip .btn-primary {
    background: var(--primary-darker);
    border-color: var(--primary-darker);
    color: var(--accent);
}
.cta-strip .btn-primary:hover {
    background: white;
    color: var(--primary-darker);
    border-color: white;
}

/* ===========================
   CONTACT
   =========================== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 50px;
}

.contact-info {
    background: var(--surface);
    border: 1px solid var(--border);
    padding: 36px;
}

.info-row {
    display: flex;
    gap: 18px;
    padding: 18px 0;
    border-bottom: 1px solid var(--border);
}
.info-row:last-child { border-bottom: none; }

.info-icon {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    background: var(--primary);
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--primary-dark);
}

.info-icon svg { width: 20px; height: 20px; }

.info-row strong {
    color: var(--primary-dark);
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    display: block;
    margin-bottom: 4px;
}
.info-row p { margin: 0; color: var(--text); font-size: 1rem; }
.info-row a { color: var(--primary); font-weight: 700; }

.contact-form-wrap {
    background: var(--surface);
    border: 1px solid var(--border);
    padding: 36px;
}

.contact-form-wrap h3 {
    font-size: 1.3rem;
    color: var(--primary-dark);
    margin-bottom: 20px;
    font-weight: 800;
}

.form-row { margin-bottom: 18px; }
.form-row label {
    display: block;
    font-weight: 700;
    margin-bottom: 6px;
    font-size: 0.88rem;
    color: var(--text);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.form-row input, .form-row textarea, .form-row select {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--border);
    background: var(--bg);
    font-family: inherit;
    font-size: 1rem;
    color: var(--text);
    border-radius: 0;
}

.form-row input:focus, .form-row textarea:focus {
    outline: 2px solid var(--primary);
    outline-offset: -2px;
    background: white;
}

.form-row textarea { resize: vertical; min-height: 130px; }

.form-row.cols {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.form-status {
    margin-top: 14px;
    padding: 12px 16px;
    background: var(--primary);
    color: white;
    border-left: 4px solid var(--accent);
    display: none;
    font-size: 0.9rem;
}
.form-status.show { display: block; }

/* ===========================
   FOOTER
   =========================== */
.footer {
    background: var(--primary-darker);
    color: rgba(255,255,255,0.7);
    padding: 60px 0 0;
    border-top: 4px solid var(--accent);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer h4 {
    color: white;
    font-size: 0.95rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 18px;
    font-weight: 800;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--accent);
    display: inline-block;
}

.footer p, .footer li, .footer a { font-size: 0.95rem; }

.footer ul { list-style: none; }
.footer ul li { padding: 6px 0; }
.footer ul li a { color: rgba(255,255,255,0.7); transition: color 0.2s; }
.footer ul li a:hover { color: var(--accent); }

.footer-brand .brand-name { color: white; }

.footer .info-row { border-bottom-color: rgba(255,255,255,0.08); }

.footer-bottom {
    padding: 22px 0;
    border-top: 1px solid rgba(255,255,255,0.08);
    text-align: center;
    font-size: 0.85rem;
}

/* ===========================
   SCROLL ANIMATIONS
   =========================== */
.fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.fade-up.visible {
    opacity: 1;
    transform: translateY(0);
}

.fade-in {
    opacity: 0;
    transition: opacity 0.9s ease-out;
}
.fade-in.visible { opacity: 1; }

.slide-left {
    opacity: 0;
    transform: translateX(-40px);
    transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}
.slide-left.visible { opacity: 1; transform: translateX(0); }

.slide-right {
    opacity: 0;
    transform: translateX(40px);
    transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}
.slide-right.visible { opacity: 1; transform: translateX(0); }

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 1024px) {
    .section { padding: 64px 0; }
    .section-title { font-size: 2rem; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 30px 20px; }
    .stat-item:nth-child(2) { border-right: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
    .menu-toggle { display: block; }
    .nav-main {
        display: none;
        position: absolute;
        top: 100%;
        left: 0; right: 0;
        background: var(--surface);
        flex-direction: column;
        align-items: stretch;
        padding: 14px 0;
        border-bottom: 3px solid var(--accent);
        box-shadow: var(--shadow-md);
    }
    .nav-main.open { display: flex; }
    .nav-main a { padding: 14px 24px; border-bottom: 1px solid var(--bg-alt); }
    .nav-main a.active::after { display: none; }
    .nav-main a.active { background: var(--bg); }
    .nav-main .btn-primary { margin: 12px 24px 0; text-align: center; }

    .about-grid, .loans-grid, .membership-grid, .calc-grid, .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .about-image-frame img { height: 320px; }
    .calc-results { grid-template-columns: 1fr; }
    .result-card.full { grid-column: span 1; }
    .form-row.cols { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }

    .topbar-left { gap: 14px; font-size: 0.8rem; }
    .topbar-left span:nth-child(3) { display: none; }
}

@media (max-width: 540px) {
    .container { padding: 0 18px; }
    .hero { padding: 70px 0 60px; }
    .section { padding: 50px 0; }
    .section-title { font-size: 1.7rem; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .stat-item { border-right: none; }
    .criteria-list, .cost-card, .contact-info, .contact-form-wrap, .calc-form { padding: 24px; }

    .topbar { font-size: 0.78rem; }
    .topbar-left { gap: 12px; }
    .brand-name { font-size: 0.9rem; }
    .brand-name-am { font-size: 0.72rem; }
    .brand-logo { width: 40px; height: 40px; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
    }
    .fade-up, .fade-in, .slide-left, .slide-right { opacity: 1; transform: none; }
}