/* ============================================================
   Sicuro Finanza – Foglio di stile principale
   Palette: Navy profondo #0f1c35 | Oro caldo #c8a86b | Crema #f9f6ef
   Tipografia: Playfair Display (titoli) + Inter (corpo)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;0,800;1,400;1,600&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --navy:         #0f1c35;
  --navy-light:   #162742;
  --navy-mid:     #1e3357;
  --gold:         #c8a86b;
  --gold-light:   #dfc18e;
  --gold-pale:    #f3e8d0;
  --cream:        #f9f6ef;
  --cream-dark:   #f0ebe0;
  --white:        #ffffff;
  --text:         #1a1a2e;
  --text-soft:    #4a4a6a;
  --text-muted:   #8888aa;
  --border:       #e4ddd0;
  --border-gold:  rgba(200,168,107,.35);
  --success:      #1a6b3a;
  --danger:       #b91c1c;
  --shadow-sm:    0 2px 12px rgba(15,28,53,.07);
  --shadow-md:    0 8px 32px rgba(15,28,53,.12);
  --shadow-lg:    0 20px 60px rgba(15,28,53,.18);
  --shadow-gold:  0 8px 32px rgba(200,168,107,.25);
  --radius:       10px;
  --radius-lg:    18px;
  --radius-xl:    28px;
  --transition:   all .35s cubic-bezier(.4,0,.2,1);
}

/* ── Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', Georgia, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--gold); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--gold-light); }
img { max-width: 100%; height: auto; }

/* ── Tipografia ── */
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -.5px; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.6rem); letter-spacing: -.3px; }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.15rem; font-family: 'Inter', sans-serif; font-weight: 700; }
p  { margin-bottom: .75rem; }

.serif { font-family: 'Playfair Display', Georgia, serif; }
.text-gold   { color: var(--gold) !important; }
.text-navy   { color: var(--navy) !important; }
.text-muted-sf { color: var(--text-muted); }

/* Decorative line */
.ornament {
  display: flex; align-items: center; gap: 14px; justify-content: center;
  margin: 14px auto 0;
}
.ornament::before, .ornament::after {
  content: ''; flex: 1; max-width: 60px; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}
.ornament::after { background: linear-gradient(90deg, var(--gold), transparent); }
.ornament-diamond {
  width: 8px; height: 8px;
  background: var(--gold); transform: rotate(45deg);
}

/* ── Utility ── */
.section-pad    { padding: 90px 0; }
.section-pad-sm { padding: 55px 0; }
.bg-cream       { background: var(--cream); }
.bg-cream-dark  { background: var(--cream-dark); }
.bg-navy        { background: var(--navy); }

.section-title  { text-align: center; margin-bottom: 56px; }
.section-title h2 { margin-bottom: 8px; }
.section-title .subtitle {
  color: var(--text-soft); font-size: 1.05rem;
  max-width: 560px; margin: 12px auto 0;
  font-weight: 300;
}

/* ── Pulsanti ── */
.btn-sf-primary {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--gold);
  color: var(--navy);
  padding: 14px 36px;
  border-radius: 4px;
  font-weight: 700; font-size: .95rem;
  border: none; cursor: pointer;
  transition: var(--transition);
  letter-spacing: .5px;
  text-transform: uppercase;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
  position: relative; overflow: hidden;
}
.btn-sf-primary::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(255,255,255,.15);
  transform: scaleX(0); transform-origin: right;
  transition: transform .35s ease;
}
.btn-sf-primary:hover {
  background: var(--gold-light);
  color: var(--navy);
  box-shadow: var(--shadow-gold);
  transform: translateY(-2px);
}
.btn-sf-primary:hover::after { transform: scaleX(1); transform-origin: left; }

.btn-sf-outline {
  display: inline-flex; align-items: center; gap: 10px;
  background: transparent;
  color: var(--white);
  padding: 13px 34px;
  border-radius: 4px;
  font-weight: 600; font-size: .95rem;
  border: 1px solid rgba(255,255,255,.5);
  cursor: pointer; transition: var(--transition);
  letter-spacing: .5px; text-transform: uppercase;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-sf-outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
  color: var(--white);
}

.btn-sf-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent;
  color: var(--navy);
  padding: 13px 34px;
  border-radius: 4px;
  font-weight: 600; font-size: .95rem;
  border: 1.5px solid var(--navy);
  cursor: pointer; transition: var(--transition);
  letter-spacing: .3px; text-transform: uppercase;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-sf-ghost:hover {
  background: var(--navy);
  color: var(--white);
}

/* ============================================================
   NAVBAR
   ============================================================ */
#mainNav {
  background: rgba(15,28,53,.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(200,168,107,.15);
  padding: 0;
  position: sticky; top: 0; z-index: 9999;
  transition: var(--transition);
}
#mainNav .navbar-brand {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 0;
  text-decoration: none;
}
.brand-crest {
  width: 38px; height: 38px;
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); font-family: 'Playfair Display', serif;
  font-size: 1.1rem; font-weight: 700;
  flex-shrink: 0;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem; font-weight: 700;
  color: var(--white); letter-spacing: .3px;
}
.brand-name span { color: var(--gold); }
.brand-tagline {
  font-size: .65rem; color: rgba(200,168,107,.7);
  letter-spacing: 2px; text-transform: uppercase;
}
#mainNav .nav-link {
  color: rgba(255,255,255,.75) !important;
  font-size: .85rem; font-weight: 500;
  padding: 30px 18px !important;
  letter-spacing: .8px; text-transform: uppercase;
  transition: var(--transition);
  position: relative;
}
#mainNav .nav-link::after {
  content: ''; position: absolute; bottom: 0; left: 18px; right: 18px;
  height: 2px; background: var(--gold);
  transform: scaleX(0); transition: var(--transition);
}
#mainNav .nav-link:hover, #mainNav .nav-link.active {
  color: var(--white) !important;
}
#mainNav .nav-link:hover::after, #mainNav .nav-link.active::after {
  transform: scaleX(1);
}
#mainNav .btn-nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 700;
  padding: 9px 22px !important;
  border-radius: 3px;
  margin: 22px 0 22px 10px;
  letter-spacing: .5px;
  font-size: .82rem;
}
#mainNav .btn-nav-cta::after { display: none; }
#mainNav .btn-nav-cta:hover {
  background: var(--gold-light) !important;
  transform: none;
  box-shadow: 0 4px 16px rgba(200,168,107,.4);
  color: var(--navy) !important;
}
.navbar-toggler {
  border: 1px solid rgba(200,168,107,.4);
  border-radius: 4px; padding: 6px 10px;
}
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28200,168,107,0.9%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ============================================================
   HERO
   ============================================================ */
.hero-sf {
  background: var(--navy);
  min-height: 92vh;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
}
/* Subtle geometric pattern */
.hero-sf::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    linear-gradient(rgba(200,168,107,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200,168,107,.04) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-sf::after {
  content: '';
  position: absolute; right: -200px; top: -200px;
  width: 700px; height: 700px; border-radius: 50%;
  background: radial-gradient(circle, rgba(200,168,107,.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  color: var(--gold); font-size: .8rem;
  letter-spacing: 2.5px; text-transform: uppercase; font-weight: 600;
  margin-bottom: 20px;
}
.hero-eyebrow::before {
  content: ''; display: block; width: 30px; height: 1px; background: var(--gold);
}
.hero-sf h1 {
  color: var(--white); font-size: clamp(2.4rem, 5.5vw, 4rem);
  line-height: 1.15; margin-bottom: 24px;
}
.hero-sf h1 em { color: var(--gold); font-style: italic; }
.hero-lead {
  color: rgba(255,255,255,.65); font-size: 1.1rem; font-weight: 300;
  max-width: 480px; margin-bottom: 40px; line-height: 1.8;
}
.hero-cta-group { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 56px; }
.hero-kpi-row { display: flex; flex-wrap: wrap; gap: 0; border-top: 1px solid rgba(200,168,107,.2); padding-top: 36px; }
.hero-kpi {
  padding: 0 36px 0 0; margin-right: 36px;
  border-right: 1px solid rgba(200,168,107,.2);
}
.hero-kpi:last-child { border-right: none; padding-right: 0; margin-right: 0; }
.hero-kpi .kpi-val {
  display: block; font-family: 'Playfair Display', serif;
  font-size: 2.2rem; font-weight: 700; color: var(--gold); line-height: 1;
}
.hero-kpi .kpi-lbl { font-size: .78rem; color: rgba(255,255,255,.45); letter-spacing: 1px; text-transform: uppercase; margin-top: 4px; }

/* Hero Calculator Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.hero-card-header {
  background: var(--navy-light);
  padding: 24px 28px;
  border-bottom: 2px solid var(--gold);
}
.hero-card-header h4 {
  color: var(--white); font-family: 'Playfair Display', serif;
  font-size: 1.15rem; margin: 0;
}
.hero-card-header p { color: rgba(255,255,255,.5); font-size: .8rem; margin: 4px 0 0; }
.hero-card-body { padding: 28px; }

.sf-range-wrap { margin-bottom: 22px; }
.sf-range-wrap .sf-range-label {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 8px;
}
.sf-range-wrap .sf-range-label span {
  font-size: .8rem; font-weight: 600; color: var(--navy); letter-spacing: .3px;
  text-transform: uppercase;
}
.sf-range-wrap .sf-range-val {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem; font-weight: 700; color: var(--gold);
}
input[type=range].sf-range {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px; background: var(--border);
  border-radius: 2px; outline: none; cursor: pointer;
}
input[type=range].sf-range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); cursor: pointer;
  box-shadow: 0 2px 8px rgba(200,168,107,.5);
  border: 3px solid var(--white);
}
input[type=range].sf-range::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--white); cursor: pointer;
}
.sf-range-minmax { display: flex; justify-content: space-between; font-size: .7rem; color: var(--text-muted); margin-top: 4px; }

.sf-result-box {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 22px;
  text-align: center;
  margin: 22px 0 20px;
  position: relative; overflow: hidden;
}
.sf-result-box::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.sf-result-label { font-size: .7rem; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,.45); margin-bottom: 6px; }
.sf-result-rate {
  font-family: 'Playfair Display', serif; font-size: 2.6rem; font-weight: 700;
  color: var(--gold); display: block; line-height: 1;
}
.sf-result-meta { display: flex; justify-content: space-around; margin-top: 14px; }
.sf-result-meta div { text-align: center; }
.sf-result-meta .meta-val { font-size: .85rem; font-weight: 700; color: rgba(255,255,255,.8); display: block; }
.sf-result-meta .meta-lbl { font-size: .68rem; color: rgba(255,255,255,.35); letter-spacing: .5px; }
.sf-card-note { font-size: .72rem; color: var(--text-muted); text-align: center; }

/* ============================================================
   FEATURES
   ============================================================ */
.feature-sf {
  text-align: center; padding: 36px 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  transition: var(--transition);
  height: 100%;
  position: relative;
}
.feature-sf::before {
  content: ''; position: absolute; top: 0; left: 20px; right: 20px; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  transform: scaleX(0); transition: var(--transition);
}
.feature-sf:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); border-color: var(--border-gold); }
.feature-sf:hover::before { transform: scaleX(1); }
.feature-sf-icon {
  width: 64px; height: 64px; margin: 0 auto 20px;
  border: 1px solid var(--border-gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; color: var(--gold);
  transition: var(--transition);
}
.feature-sf:hover .feature-sf-icon { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.feature-sf h4 { margin-bottom: 10px; color: var(--navy); }
.feature-sf p { color: var(--text-soft); font-size: .92rem; margin: 0; font-weight: 300; line-height: 1.7; }

/* ============================================================
   WHY / NUMBERED STEPS
   ============================================================ */
.steps-section { background: var(--navy); padding: 90px 0; position: relative; overflow: hidden; }
.steps-section::before {
  content: ''; position: absolute; top: -100px; left: -100px;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(200,168,107,.06) 0%, transparent 70%);
}
.step-item { display: flex; gap: 24px; margin-bottom: 36px; align-items: flex-start; }
.step-num {
  width: 52px; height: 52px; min-width: 52px;
  border: 1.5px solid var(--gold);
  color: var(--gold); font-family: 'Playfair Display', serif;
  font-size: 1.2rem; font-weight: 700;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.step-content h4 { color: var(--white); margin-bottom: 6px; font-family: 'Inter', sans-serif; }
.step-content p { color: rgba(255,255,255,.5); font-size: .9rem; margin: 0; font-weight: 300; }

.trust-panel {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(200,168,107,.2);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.trust-panel h3 { color: var(--white); margin-bottom: 28px; }
.trust-row-item {
  display: flex; gap: 16px; align-items: center;
  padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.06);
}
.trust-row-item:last-child { border: none; }
.trust-icon { font-size: 1.4rem; color: var(--gold); min-width: 28px; }
.trust-text { font-size: .9rem; color: rgba(255,255,255,.65); font-weight: 300; }
.trust-text strong { color: rgba(255,255,255,.9); font-weight: 600; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testi-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  position: relative; transition: var(--transition); height: 100%;
}
.testi-card::after {
  content: '\201C';
  position: absolute; top: 20px; right: 24px;
  font-family: 'Playfair Display', serif; font-size: 5rem;
  color: var(--gold-pale); line-height: 1;
}
.testi-card:hover { box-shadow: var(--shadow-md); border-color: var(--border-gold); }
.testi-stars { color: var(--gold); font-size: 1rem; letter-spacing: 2px; margin-bottom: 16px; }
.testi-card p { font-style: italic; color: var(--text-soft); font-size: .95rem; line-height: 1.8; margin-bottom: 22px; font-weight: 300; }
.testi-author { display: flex; gap: 14px; align-items: center; }
.testi-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  font-family: 'Playfair Display', serif; font-weight: 700;
  font-size: 1rem; display: flex; align-items: center; justify-content: center;
  border: 2px solid var(--border-gold);
}
.testi-info strong { display: block; color: var(--navy); font-size: .9rem; }
.testi-info span { font-size: .78rem; color: var(--text-muted); }

/* ============================================================
   FAQ
   ============================================================ */
.faq-sf { background: var(--cream); }
.accordion-sf .accordion-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius) !important;
  margin-bottom: 10px; overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.accordion-sf .accordion-button {
  background: var(--white);
  color: var(--navy); font-weight: 600;
  font-size: .95rem; padding: 18px 24px;
  border-radius: var(--radius) !important;
  letter-spacing: .2px;
}
.accordion-sf .accordion-button:not(.collapsed) {
  background: var(--navy); color: var(--gold);
  box-shadow: none;
}
.accordion-sf .accordion-button::after {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230f1c35'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}
.accordion-sf .accordion-button:not(.collapsed)::after {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23c8a86b'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}
.accordion-sf .accordion-body { background: var(--white); padding: 16px 24px 22px; color: var(--text-soft); font-size: .93rem; font-weight: 300; line-height: 1.8; }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-sf {
  background: var(--navy); text-align: center; padding: 90px 0;
  position: relative; overflow: hidden;
}
.cta-sf::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 800px 400px at 50% 0%, rgba(200,168,107,.08) 0%, transparent 70%);
}
.cta-sf h2 { color: var(--white); margin-bottom: 14px; }
.cta-sf .cta-sub { color: rgba(255,255,255,.5); max-width: 480px; margin: 0 auto 36px; font-weight: 300; }

/* ============================================================
   PAGE HERO
   ============================================================ */
.page-hero-sf {
  background: var(--navy);
  padding: 70px 0 55px;
  text-align: center; position: relative; overflow: hidden;
}
.page-hero-sf::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.page-hero-sf h1 { color: var(--white); font-size: clamp(1.8rem, 4vw, 2.8rem); margin-bottom: 8px; }
.page-hero-sf p  { color: rgba(255,255,255,.55); font-size: 1rem; font-weight: 300; max-width: 520px; margin: 10px auto 0; }

.breadcrumb-sf {
  display: flex; gap: 8px; justify-content: center; align-items: center;
  font-size: .8rem; margin-bottom: 16px; letter-spacing: .5px;
}
.breadcrumb-sf a { color: rgba(200,168,107,.75); }
.breadcrumb-sf a:hover { color: var(--gold); }
.breadcrumb-sf span { color: rgba(255,255,255,.25); }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.service-sf {
  background: var(--white); border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-md); height: 100%;
  transition: var(--transition);
}
.service-sf:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-sf-top {
  background: var(--navy-light);
  padding: 40px 32px 32px;
  text-align: center;
  border-bottom: 2px solid var(--gold);
}
.service-sf-icon {
  width: 70px; height: 70px; border-radius: 50%;
  border: 1.5px solid var(--border-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem; color: var(--gold); margin: 0 auto 20px;
}
.service-sf-top h3 { color: var(--white); margin: 0; }
.service-sf-body { padding: 32px; }
.service-list-sf { list-style: none; padding: 0; }
.service-list-sf li {
  display: flex; gap: 12px; padding: 9px 0;
  border-bottom: 1px solid var(--border); font-size: .92rem;
  color: var(--text-soft); font-weight: 300; align-items: flex-start;
}
.service-list-sf li:last-child { border: none; }
.service-list-sf li .check { color: var(--gold); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.rate-badge {
  background: var(--navy); border-radius: var(--radius);
  padding: 22px; text-align: center; margin-top: 24px;
}
.rate-badge .rate-big { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700; color: var(--gold); }
.rate-badge p { color: rgba(255,255,255,.5); margin: 0; font-size: .8rem; letter-spacing: .5px; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-panel-sf {
  background: var(--navy-light); border-radius: var(--radius-lg);
  padding: 40px; height: 100%;
  border: 1px solid rgba(200,168,107,.15);
}
.contact-panel-sf h3 { color: var(--white); margin-bottom: 30px; }
.ci-item { display: flex; gap: 16px; margin-bottom: 24px; align-items: flex-start; }
.ci-dot {
  width: 40px; height: 40px; min-width: 40px;
  border: 1px solid var(--border-gold); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); font-size: 1rem;
}
.ci-item h5 { color: var(--gold); font-size: .72rem; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 4px; font-family: 'Inter', sans-serif; font-weight: 700; }
.ci-item p { color: rgba(255,255,255,.65); font-size: .9rem; margin: 0; font-weight: 300; }
.ci-item a { color: rgba(255,255,255,.65); }
.ci-item a:hover { color: var(--gold); }

.form-sf-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 44px; box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
.form-sf-card h3 { margin-bottom: 4px; }
.form-sf-card .form-sf-sub { color: var(--text-muted); font-size: .9rem; font-weight: 300; margin-bottom: 30px; }
.sf-label { display: block; font-size: .75rem; font-weight: 700; color: var(--navy); letter-spacing: .8px; text-transform: uppercase; margin-bottom: 7px; }
.sf-input {
  width: 100%; border: 1.5px solid var(--border);
  border-radius: 4px; padding: 12px 16px;
  font-size: .95rem; color: var(--text);
  background: var(--white); outline: none;
  transition: var(--transition); font-family: 'Inter', sans-serif;
}
.sf-input:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,168,107,.12); }
.sf-input::placeholder { color: #c0c0d0; }
select.sf-input { cursor: pointer; height: 48px; }
textarea.sf-input { resize: vertical; min-height: 130px; }
.btn-sf-submit {
  width: 100%; background: var(--navy);
  color: var(--white); border: none; padding: 15px;
  border-radius: 4px; font-size: .9rem; font-weight: 700;
  cursor: pointer; transition: var(--transition);
  letter-spacing: 1px; text-transform: uppercase;
  font-family: 'Inter', sans-serif;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  position: relative; overflow: hidden;
}
.btn-sf-submit::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--gold); transform: scaleX(0); transition: var(--transition);
}
.btn-sf-submit:hover { background: var(--navy-light); }
.btn-sf-submit:hover::before { transform: scaleX(1); }

/* ============================================================
   LOAN PAGE
   ============================================================ */
.loan-hero-sf {
  background: var(--navy); padding: 64px 0;
  text-align: center; position: relative; overflow: hidden;
}
.loan-hero-sf::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.loan-hero-sf h1 { color: var(--white); margin-bottom: 10px; }
.loan-hero-sf p  { color: rgba(255,255,255,.55); font-weight: 300; }
.loan-tags { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 22px; }
.loan-tag {
  border: 1px solid rgba(200,168,107,.35);
  color: rgba(200,168,107,.85); padding: 5px 14px;
  border-radius: 2px; font-size: .75rem; letter-spacing: .8px; text-transform: uppercase;
  font-weight: 500;
}

.loan-calc-sf {
  background: var(--cream); border-left: 3px solid var(--gold);
  border-radius: var(--radius); padding: 22px 24px; margin-bottom: 28px;
}
.loan-calc-sf h4 { font-family: 'Inter', sans-serif; font-size: .85rem; text-transform: uppercase; letter-spacing: 1px; color: var(--navy); margin-bottom: 16px; }
.loan-rate-live { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 700; color: var(--gold); }

.loan-form-wrapper-sf {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: hidden;
  border: 1px solid var(--border);
}
.loan-form-header-sf {
  background: var(--navy-light); padding: 26px 32px;
  border-bottom: 2px solid var(--gold);
}
.loan-form-header-sf h3 { color: var(--white); margin: 0; font-size: 1.2rem; }
.loan-form-header-sf p  { color: rgba(255,255,255,.45); margin: 5px 0 0; font-size: .82rem; font-weight: 300; }
.loan-form-body-sf { padding: 36px 36px 40px; }
.sf-section-label {
  font-size: .72rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase;
  color: var(--text-muted); display: flex; align-items: center; gap: 12px;
  margin: 28px 0 18px;
}
.sf-section-label::after { content: ''; flex: 1; height: 1px; background: var(--border); }

.trust-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px;
  background: var(--cream); border-radius: var(--radius); padding: 20px;
  margin: 24px 0;
}
.trust-grid-item { text-align: center; }
.trust-grid-item .tg-icon { font-size: 1.4rem; margin-bottom: 4px; }
.trust-grid-item .tg-label { font-size: .75rem; font-weight: 700; color: var(--navy); display: block; }
.trust-grid-item .tg-sub   { font-size: .68rem; color: var(--text-muted); }

.btn-loan-sf {
  width: 100%; background: var(--navy);
  color: var(--white); border: none; padding: 17px;
  border-radius: 4px; font-size: .9rem; font-weight: 700;
  cursor: pointer; transition: var(--transition);
  letter-spacing: 1.5px; text-transform: uppercase;
  font-family: 'Inter', sans-serif;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  position: relative; overflow: hidden;
}
.btn-loan-sf::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--gold); transform: scaleX(0); transition: var(--transition);
}
.btn-loan-sf:hover { background: var(--navy-light); }
.btn-loan-sf:hover::before { transform: scaleX(1); }

/* Alerts */
.alert-sf-danger {
  background: #fef2f2; border-left: 3px solid #dc2626;
  border-radius: var(--radius); padding: 14px 18px; margin-bottom: 20px;
  color: #b91c1c; display: flex; gap: 12px; align-items: flex-start; font-size: .93rem;
}
.alert-sf-success {
  background: #f0fdf4; border-left: 3px solid #16a34a;
  border-radius: var(--radius); padding: 14px 18px; margin-bottom: 20px;
  color: #15803d; display: flex; gap: 12px; align-items: flex-start; font-size: .93rem;
}

/* Success block */
.success-sf {
  background: var(--navy); border-radius: var(--radius-lg);
  padding: 56px 48px; text-align: center;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(200,168,107,.2);
  animation: fadeUp .5s ease-out;
}
.success-sf .s-icon { font-size: 3.5rem; color: var(--gold); margin-bottom: 20px; }
.success-sf h3 { color: var(--white); font-size: 1.8rem; margin-bottom: 12px; }
.success-sf p  { color: rgba(255,255,255,.65); font-weight: 300; }
.success-sf-details {
  background: rgba(255,255,255,.06); border: 1px solid rgba(200,168,107,.2);
  border-radius: var(--radius); padding: 22px; margin: 24px 0;
}
.success-sf-details p { font-size: .92rem; margin: 6px 0; color: rgba(255,255,255,.75); }

/* Honeypot */
.honeypot-field { display: none !important; opacity: 0 !important; height: 0 !important; overflow: hidden !important; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer-sf {
  background: var(--navy); padding: 70px 0 32px;
  border-top: 1px solid rgba(200,168,107,.15);
}
.footer-sf-brand { margin-bottom: 18px; }
.footer-sf-brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem; font-weight: 700; color: var(--white);
}
.footer-sf-brand-name span { color: var(--gold); }
.footer-sf-tag { font-size: .72rem; color: rgba(200,168,107,.5); letter-spacing: 2px; text-transform: uppercase; margin-top: 5px; }
.footer-sf-desc { font-size: .87rem; color: rgba(255,255,255,.4); line-height: 1.7; margin-top: 14px; font-weight: 300; }
.footer-sf h5 {
  color: var(--white); font-size: .72rem; font-family: 'Inter', sans-serif;
  letter-spacing: 2px; text-transform: uppercase; font-weight: 700;
  margin-bottom: 18px; padding-bottom: 10px;
  border-bottom: 1px solid rgba(200,168,107,.2);
}
.footer-sf-links { list-style: none; padding: 0; }
.footer-sf-links li { margin-bottom: 10px; }
.footer-sf-links a {
  color: rgba(255,255,255,.45); font-size: .85rem; font-weight: 300;
  transition: var(--transition); display: flex; gap: 6px; align-items: center;
}
.footer-sf-links a:hover { color: var(--gold); padding-left: 6px; }
.footer-sf-ci { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 14px; }
.footer-sf-ci .ci-ico { color: var(--gold); font-size: .9rem; margin-top: 2px; }
.footer-sf-ci span { color: rgba(255,255,255,.5); font-size: .85rem; font-weight: 300; }
.footer-sf-ci a { color: rgba(255,255,255,.5); }
.footer-sf-ci a:hover { color: var(--gold); }
.footer-divider-sf { border-color: rgba(255,255,255,.08); margin: 30px 0 22px; }
.footer-bottom-sf {
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: .8rem; color: rgba(255,255,255,.3);
}
.footer-bottom-sf a { color: rgba(255,255,255,.35); }
.footer-bottom-sf a:hover { color: var(--gold); }
.footer-legal-sf { font-size: .72rem; color: rgba(255,255,255,.25); margin-top: 16px; line-height: 1.6; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 991px) {
  .hero-sf { min-height: auto; padding: 70px 0 50px; }
  #mainNav .nav-link { padding: 12px 16px !important; }
  #mainNav .nav-link::after { display: none; }
  #mainNav .btn-nav-cta { margin: 8px 16px 16px; }
  .hero-kpi-row { gap: 0; }
  .hero-kpi { padding: 16px 20px 0 0; margin: 0 20px 16px 0; border-right: none; border-bottom: 1px solid rgba(200,168,107,.15); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .section-pad { padding: 60px 0; }
  .loan-form-body-sf { padding: 24px 20px 28px; }
  .form-sf-card { padding: 28px 20px; }
  .contact-panel-sf { padding: 28px 22px; }
  .success-sf { padding: 36px 24px; }
  .hero-kpi-row { flex-direction: column; }
  .hero-kpi { border: none; border-bottom: 1px solid rgba(200,168,107,.12); padding: 12px 0; margin: 0; }
  .hero-kpi:last-child { border: none; }
  .trust-grid { grid-template-columns: repeat(2,1fr); }
}