/* =============================================================
   index.css — homepage-specific styles
   insuranceandmortgages.uk · Supreme Financial Solutions Ltd
   ============================================================= */

/* ---------- HERO ---------- */
.hero {
  padding: calc(var(--nav-h) + 78px) 0 0;
  background: var(--navy); color: var(--white);
  position: relative;
}
.hero::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 1px; background: rgba(255,255,255,.06);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 64px; align-items: center;
  padding-bottom: 78px;
}
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid rgba(201,164,78,.34);
  background: var(--gold-soft);
  color: var(--gold-light);
  padding: 8px 16px; border-radius: 999px;
  font-size: .7rem; font-weight: 900;
  letter-spacing: .14em; text-transform: uppercase;
  margin-bottom: 26px;
}
.badge::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%; background: var(--gold);
}
h1 {
  margin: 0 0 24px;
  font-family: var(--font-display);
  font-size: clamp(2.8rem,5vw,4.7rem);
  line-height: 1.04; letter-spacing: -.018em;
  font-weight: 600; color: var(--white);
}
h1 em { font-style: normal; color: var(--gold); }
.hero-sub {
  max-width: 620px;
  color: rgba(255,255,255,.78);
  font-size: 1.08rem; margin: 0 0 30px; line-height: 1.72;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.micro { margin-top: 16px; color: rgba(255,255,255,.50); font-size: .82rem; }
.warning {
  font-size: .78rem;
  line-height: 1.6;
  color: #fff;
  border: 1px solid rgba(201,164,78,.70);
  border-left-width: 3px;
  background: rgba(201,164,78,.10);
  border-radius: 6px;
  padding: 10px 14px;
  margin-top: 22px;
  max-width: 620px;
}

/* warning variant for light (cream/white) sections — larger, bold, boxed for prominence */
.warning-light {
  color: var(--ink);
  font-size: .92rem;
  font-weight: 700;
  background: rgba(201,164,78,.08);
  border: 1px solid rgba(201,164,78,.45);
  border-left-width: 3px;
  border-radius: 6px;
  padding: 14px 16px;
  margin-top: 0;
  margin-bottom: 22px;
  max-width: none;
  width: 100%;
  box-sizing: border-box;
}

/* hero card (right column) */
.hero-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(201,164,78,.22);
  border-radius: 18px; padding: 38px 34px;
  position: relative;
  box-shadow: 0 20px 70px rgba(0,0,0,.20);
}
.hero-card::before {
  content: '';
  position: absolute; top: 0; left: 44px; right: 44px;
  height: 3px; background: var(--gold); border-radius: 0 0 3px 3px;
}
.hero-card small {
  display: block; color: var(--gold);
  font-weight: 900; letter-spacing: .16em;
  text-transform: uppercase; margin-bottom: 18px; font-size: .72rem;
}
.hero-card h2 {
  font-family: var(--font-display);
  font-size: 1.95rem; line-height: 1.12;
  margin: 0 0 18px; color: var(--white); font-weight: 600;
}
.hero-card p { color: rgba(255,255,255,.7); margin: 0 0 24px; font-size: .96rem; }
.hero-mini { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hero-mini div {
  border: 1px solid rgba(255,255,255,.10);
  background: rgba(255,255,255,.04);
  border-radius: 12px; padding: 16px;
}
.hero-mini strong {
  display: block; color: var(--white);
  font-size: .9rem; margin-bottom: 4px; font-weight: 700;
}
.hero-mini span {
  display: block; color: rgba(255,255,255,.52);
  font-size: .78rem; line-height: 1.45;
}

/* trust strip */
.trust-strip {
  background: rgba(255,255,255,.035);
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 22px 0;
}
.trust-inner {
  display: flex; justify-content: center;
  flex-wrap: wrap; gap: 36px;
  color: rgba(255,255,255,.62);
  font-size: .82rem; font-weight: 700; letter-spacing: .02em;
}
.trust-inner span::first-letter { color: var(--gold); font-weight: 900; margin-right: 4px; }

/* ---------- BRANCHES ---------- */
.branch-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.branch-card {
  position: relative; overflow: hidden;
  background: var(--white); border: 1px solid var(--line);
  border-radius: 22px; padding: 42px 38px; min-height: 480px;
  display: flex; flex-direction: column;
  box-shadow: var(--shadow); transition: .22s ease;
}
.branch-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.branch-card::before {
  content: ''; position: absolute;
  top: 0; left: 38px; right: 38px;
  height: 4px; background: var(--gold); border-radius: 0 0 999px 999px;
}
.branch-card.dark {
  background: var(--navy); color: var(--white);
  border-color: rgba(201,164,78,.22);
}
.branch-icon {
  width: 60px; height: 60px; border-radius: 14px;
  display: grid; place-items: center;
  background: var(--cream); color: var(--navy);
  font-size: 1.5rem; margin-bottom: 28px;
}
.branch-card.dark .branch-icon {
  background: rgba(201,164,78,.13);
  border: 1px solid rgba(201,164,78,.22);
  color: var(--gold-light);
}
.branch-icon svg { width: 28px; height: 28px; }
.branch-label {
  color: var(--gold); font-size: .74rem; font-weight: 900;
  letter-spacing: .18em; text-transform: uppercase; margin-bottom: 12px;
}
.branch-card h3 {
  font-family: var(--font-display);
  font-size: clamp(1.9rem,3vw,2.55rem);
  line-height: 1.1; margin: 0 0 16px;
  color: var(--navy); font-weight: 600;
}
.branch-card.dark h3 { color: var(--white); }
.branch-card p.branch-lead {
  margin: 0 0 26px; color: var(--ink-3);
  line-height: 1.74; font-size: 1rem;
}
.branch-card.dark p.branch-lead { color: rgba(255,255,255,.72); }
.branch-list {
  display: grid; gap: 12px;
  margin: 0 0 32px; padding: 0; list-style: none;
}
.branch-list li {
  position: relative; padding-left: 28px;
  color: var(--ink-2); font-weight: 600;
  line-height: 1.5; font-size: .94rem;
}
.branch-list li::before {
  content: '✓'; position: absolute; left: 0; top: 0;
  color: var(--gold); font-weight: 900; font-size: .96rem;
}
.branch-card.dark .branch-list li { color: rgba(255,255,255,.84); }
.branch-actions { margin-top: auto; display: grid; gap: 12px; }
.branch-actions .btn-primary { width: 100%; }
.branch-note { font-size: .82rem; color: var(--muted); line-height: 1.55; }
.branch-card.dark .branch-note { color: rgba(255,255,255,.50); }

/* ---------- NEEDS (entry cards) ---------- */
.needs-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.need-card {
  position: relative; min-height: 320px;
  display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line);
  box-shadow: var(--shadow-sm); border-radius: 16px;
  padding: 32px 26px; overflow: hidden; transition: .22s ease;
}
.need-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.need-card::after {
  content: ''; position: absolute;
  left: 0; right: 0; bottom: 0; height: 4px;
  background: var(--gold);
  transform: scaleX(0); transform-origin: left; transition: .25s ease;
}
.need-card:hover::after { transform: scaleX(1); }
.need-icon {
  width: 54px; height: 54px; border-radius: 12px;
  background: var(--cream); display: grid;
  place-items: center; font-size: 1.35rem;
  margin-bottom: 22px; color: var(--navy);
}
.need-card h3 {
  font-family: var(--font-display);
  font-size: 1.45rem; line-height: 1.2;
  margin: 0 0 12px; color: var(--navy); font-weight: 600;
}
.need-card p { margin: 0; color: var(--ink-3); line-height: 1.7; font-size: .94rem; }
.text-link {
  margin-top: auto; color: var(--gold);
  font-weight: 900; letter-spacing: .05em;
  padding-top: 22px; font-size: .84rem; text-transform: uppercase;
}
.text-link::after { content: ' →'; transition: .18s ease; display: inline-block; }
.text-link:hover::after { transform: translateX(4px); }
.needs-b2b { margin-top: 28px; text-align: center; }

/* ---------- SERVICE DETAIL CARDS ---------- */
.service-group { margin-top: 48px; }
.service-group:first-of-type { margin-top: 0; }
.service-group-head {
  display: flex; align-items: baseline;
  justify-content: space-between; gap: 24px;
  margin-bottom: 24px; padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.service-group-head h3 {
  font-family: var(--font-display);
  font-size: 1.8rem; margin: 0;
  color: var(--navy); font-weight: 600;
}
.service-group-head span {
  color: var(--gold); font-size: .74rem; font-weight: 900;
  letter-spacing: .18em; text-transform: uppercase;
}
.service-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }

/* 5-card groups: 6-col grid, each card spans 2 -> 3 per row; last row (2 cards) centred */
.service-grid--five { grid-template-columns: repeat(6, 1fr); }
.service-grid--five > .service-card { grid-column: span 2; }
.service-grid--five > .service-card:nth-child(4) { grid-column: 2 / span 2; }
.service-grid--five > .service-card:nth-child(5) { grid-column: 4 / span 2; }

@media (max-width: 1023px) and (min-width: 640px) {
  .service-grid--five { grid-template-columns: repeat(2, 1fr); }
  .service-grid--five > .service-card,
  .service-grid--five > .service-card:nth-child(4),
  .service-grid--five > .service-card:nth-child(5) { grid-column: auto; }
}
@media (max-width: 639px) {
  .service-grid--five { grid-template-columns: 1fr; }
  .service-grid--five > .service-card,
  .service-grid--five > .service-card:nth-child(4),
  .service-grid--five > .service-card:nth-child(5) { grid-column: auto; }
}

.service-disclaimer { margin: 12px 0 0; font-size: .82rem; line-height: 1.55; font-style: italic; color: rgba(11,31,58,.60); }
.service-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 16px; padding: 30px 26px;
  display: flex; flex-direction: column; min-height: 380px;
  box-shadow: var(--shadow-sm); transition: .22s ease;
}
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.service-cat {
  color: var(--gold); font-size: .72rem; font-weight: 900;
  letter-spacing: .16em; text-transform: uppercase; margin-bottom: 10px;
}
.service-card h4 {
  font-family: var(--font-display);
  font-size: 1.5rem; line-height: 1.18;
  margin: 0 0 12px; color: var(--navy); font-weight: 600;
}
.service-card p { margin: 0 0 18px; color: var(--ink-3); line-height: 1.7; font-size: .92rem; }
.service-card ul {
  list-style: none; padding: 0;
  margin: 0 0 22px; display: grid; gap: 8px;
}
.service-card li {
  position: relative; padding-left: 22px;
  color: var(--ink-2); font-size: .88rem;
  line-height: 1.5; font-weight: 500;
}
.service-card li::before {
  content: '·'; position: absolute; left: 6px;
  color: var(--gold); font-size: 1.4rem; line-height: 1; top: -2px;
}
.service-cta { margin-top: auto; }
.service-cta a {
  color: var(--navy); font-weight: 900;
  letter-spacing: .04em; font-size: .82rem;
  text-transform: uppercase;
  border-bottom: 2px solid var(--gold); padding-bottom: 3px;
}
.service-cta a:hover { color: var(--gold); }

/* ---------- ABOUT ---------- */
.about-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: 48px; align-items: start;
}
.about-lead .section-sub { margin-left: 0; text-align: left; }
#about .section-header { margin-bottom: 32px; }
.about-card {
  background: var(--cream-2); border: 1px solid var(--line);
  border-radius: 20px; overflow: hidden;
  box-shadow: var(--shadow); display: flex; flex-direction: column;
  align-self: stretch;
}
.about-photo {
  position: relative; aspect-ratio: 1/1;
  background: var(--cream); overflow: hidden;
}
.about-photo img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
}
.about-photo.no-photo {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
}
.about-photo.no-photo::before {
  content: 'Zdjęcie doradcy';
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.42);
  font-family: var(--font-display); font-size: 1.05rem; letter-spacing: .05em;
}
.about-photo-overlay {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: 32px 26px 22px;
  background: linear-gradient(to top, rgba(11,31,58,.92) 0%, rgba(11,31,58,.55) 60%, transparent 100%);
  color: var(--white);
}
.about-photo-overlay strong {
  display: block; font-family: var(--font-display);
  font-size: 1.45rem; line-height: 1.12;
  font-weight: 600; margin-bottom: 6px; letter-spacing: -.005em;
}
.about-photo-overlay span {
  display: block; color: var(--gold-light);
  font-size: .7rem; font-weight: 900;
  letter-spacing: .14em; text-transform: uppercase; line-height: 1.45;
}
.about-meta { padding: 24px 26px 28px; display: grid; gap: 14px; }
.meta-row {
  display: grid; grid-template-columns: 108px 1fr;
  gap: 14px; align-items: baseline;
  font-size: .9rem; line-height: 1.5;
}
.meta-label {
  color: var(--gold); font-size: .68rem; font-weight: 900;
  letter-spacing: .14em; text-transform: uppercase;
}
.meta-val { color: var(--ink-2); font-weight: 500; }

.stat-grid {
  display: grid; grid-template-columns: repeat(2,1fr);
  gap: 14px; margin-top: 32px;
}
.stat {
  background: var(--cream); border-left: 3px solid var(--gold);
  border-radius: 10px; padding: 18px;
}
.stat strong {
  display: block; font-family: var(--font-display);
  font-size: 1.85rem; color: var(--navy); line-height: 1; font-weight: 600;
}
.stat span {
  display: block; color: var(--muted);
  font-size: .8rem; margin-top: 6px; font-weight: 700; line-height: 1.35;
}

/* ---------- PROCESS ---------- */
.process-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.process-card {
  background: rgba(255,255,255,.055);
  border: 1px solid rgba(255,255,255,.10);
  border-radius: 16px; padding: 28px 24px;
  min-height: 240px; transition: .22s ease;
}
.process-card:hover {
  background: rgba(255,255,255,.08);
  border-color: rgba(201,164,78,.25);
}
.process-card .step {
  display: inline-grid; place-items: center;
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(201,164,78,.14); color: var(--gold-light);
  font-family: var(--font-display); font-size: 1.4rem;
  font-weight: 600; margin-bottom: 22px;
}
.process-card h3 {
  font-family: var(--font-display);
  font-size: 1.4rem; line-height: 1.18;
  margin: 0 0 10px; color: var(--white); font-weight: 600;
}
.process-card p { margin: 0; color: rgba(255,255,255,.68); line-height: 1.7; font-size: .94rem; }

/* ---------- FAQ ---------- */
.faq-wrap { max-width: 880px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--line); background: var(--white);
  border-radius: 12px; margin-bottom: 14px;
  overflow: hidden; transition: .18s ease;
}
.faq-item[open] { box-shadow: var(--shadow-sm); border-color: rgba(201,164,78,.30); }
.faq-item summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: center;
  justify-content: space-between; gap: 18px;
  padding: 22px 28px;
  font-weight: 700; color: var(--navy);
  font-size: 1.02rem; line-height: 1.4;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: var(--font-display); font-size: 1.7rem;
  color: var(--gold); flex-shrink: 0;
  transition: .2s ease; line-height: 1;
}
.faq-item[open] summary::after { content: '−'; }
.faq-body { padding: 0 28px 24px; color: var(--ink-3); line-height: 1.75; font-size: .96rem; }
.faq-body p { margin: 0 0 10px; }
.faq-body p:last-child { margin-bottom: 0; }

/* ---------- CONTACT ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: stretch; }
.contact-info {
  background: var(--navy); color: var(--white);
  border-radius: 22px; padding: 38px;
  border: 1px solid rgba(201,164,78,.20);
  box-shadow: var(--shadow);
  height: 100%;
  box-sizing: border-box;
}
.contact-info h3 {
  font-family: var(--font-display);
  font-size: 1.9rem; line-height: 1.12;
  margin: 0 0 14px; color: var(--white); font-weight: 600;
}
.contact-info p.lead { color: rgba(255,255,255,.72); margin: 0 0 24px; }
.contact-methods { display: grid; gap: 12px; margin-bottom: 24px; }
.contact-method {
  display: flex; align-items: center; gap: 14px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.10);
  border-radius: 12px; padding: 16px 18px;
  color: rgba(255,255,255,.88); font-weight: 700; font-size: .96rem;
  transition: .18s ease;
}
.contact-method:hover {
  background: rgba(255,255,255,.08);
  border-color: rgba(201,164,78,.32);
}
.contact-method .icon {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(201,164,78,.14); display: grid;
  place-items: center; color: var(--gold-light);
  flex-shrink: 0; font-size: .95rem; font-weight: 900;
}
.contact-method small {
  display: block; color: var(--gold-light);
  font-size: .7rem; letter-spacing: .14em;
  text-transform: uppercase; margin-bottom: 3px; font-weight: 800;
}
.contact-meta {
  display: grid; gap: 10px; margin-top: 18px;
  padding-top: 20px; border-top: 1px solid rgba(255,255,255,.10);
  font-size: .84rem; color: rgba(255,255,255,.58); line-height: 1.55;
}

/* trust badges inside contact-info */
.trust-badges {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.10);
}
.trust-badge {
  display: flex; align-items: flex-start; gap: 11px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: 10px; padding: 13px 14px;
}
.trust-badge-icon {
  width: 34px; height: 34px; flex-shrink: 0;
  background: rgba(201,164,78,.14);
  border-radius: 8px;
  display: grid; place-items: center;
  color: var(--gold-light);
}
.trust-badge strong {
  display: block;
  font-size: .8rem; font-weight: 700;
  color: var(--white); line-height: 1.2;
  margin-bottom: 2px;
}
.trust-badge span {
  display: block;
  font-size: .72rem; color: rgba(255,255,255,.50);
  line-height: 1.3;
}

/* contact form */
.contact-form {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 22px; padding: 36px; box-shadow: var(--shadow);
}
.contact-form h3 {
  font-family: var(--font-display);
  font-size: 1.7rem; margin: 0 0 8px;
  color: var(--navy); font-weight: 600;
}
.contact-form .form-sub {
  color: var(--ink-3);
  margin: 0 0 10px;
  font-size: .94rem;
}
.contact-form .form-security-note {
  font-family: var(--font-body);
  color: var(--ink-3);
  font-size: .84rem;
  font-weight: 400;
  line-height: 1.55;
  margin: 0 0 24px;
}
.field { display: grid; gap: 6px; margin-bottom: 16px; }
.field label {
  font-size: .78rem; font-weight: 800;
  color: var(--ink-2); letter-spacing: .04em; text-transform: uppercase;
}
.field label .req { color: var(--gold); margin-left: 4px; }
.field input,
.field select,
.field textarea {
  font: inherit; font-size: .96rem; color: var(--navy);
  padding: 14px 16px; border: 1px solid var(--line);
  border-radius: 10px; background: var(--cream-2);
  transition: .18s ease; width: 100%;
}
.field textarea { min-height: 120px; resize: vertical; line-height: 1.6; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--gold); background: var(--white);
  box-shadow: 0 0 0 3px rgba(201,164,78,.14);
}
.field-error {
  color: #b94a4a; font-size: .8rem;
  margin-top: 2px; display: none; font-weight: 600;
}
.field.has-error input,
.field.has-error select,
.field.has-error textarea { border-color: #b94a4a; background: #fff7f7; }
.field.has-error .field-error { display: block; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin: 18px 0 22px; }
.consent input { width: 18px; height: 18px; margin-top: 3px; flex-shrink: 0; accent-color: var(--gold); }
.consent label { font-size: .84rem; color: var(--ink-3); line-height: 1.55; font-weight: 500; }
.consent.has-error label { color: #b94a4a; }
.form-foot { display: flex; flex-direction: column; gap: 10px; }
.form-status {
  font-size: .88rem; font-weight: 700;
  display: none; padding: 10px 14px;
  border-radius: 8px; line-height: 1.45;
}
.form-status.show { display: block; }
.form-status.ok  { color: #1a6f3c; background: rgba(26,111,60,.08); border: 1px solid rgba(26,111,60,.20); }
.form-status.err { color: #b94a4a; background: rgba(185,74,74,.06); border: 1px solid rgba(185,74,74,.18); }

/* ---------- FOOTER ---------- */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.62);
  padding: 60px 0 28px;
  border-top: 1px solid rgba(201,164,78,.12);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 36px; margin-bottom: 40px;
}
.footer-brand strong {
  display: block; font-family: var(--font-display);
  color: var(--white); font-size: 1.3rem;
  font-weight: 600; margin-bottom: 6px;
}
.footer-brand span {
  display: block; color: var(--gold);
  font-size: .7rem; font-weight: 800;
  letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px;
}
.footer-brand p { margin: 0; font-size: .86rem; line-height: 1.7; color: rgba(255,255,255,.6); }
.footer-col h5 {
  color: var(--white); font-size: .78rem; font-weight: 900;
  letter-spacing: .14em; text-transform: uppercase; margin: 0 0 16px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-col a { color: rgba(255,255,255,.66); font-size: .9rem; font-weight: 500; }
.footer-col a:hover { color: var(--gold-light); }

.footer-compliance {
  font-size: .76rem; line-height: 1.7;
  color: rgba(255,255,255,.50);
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 28px; display: grid; gap: 12px;
}
.footer-compliance .compliance-head {
  margin: 0 0 6px; color: var(--gold);
  font-size: .7rem; font-weight: 900;
  letter-spacing: .18em; text-transform: uppercase;
}
.footer-compliance .warn {
  border-left: 3px solid var(--gold);
  background: rgba(201,164,78,.06);
  padding: 14px 16px;
  color: rgba(255,255,255,.78); font-weight: 700; letter-spacing: .01em;
}
.footer-compliance p { margin: 0; }
.footer-compliance .compliance-strong {
  color: rgba(255,255,255,.74); font-weight: 600;
  padding: 10px 0;
  border-top: 1px dashed rgba(255,255,255,.08);
  border-bottom: 1px dashed rgba(255,255,255,.08);
}
.footer-compliance .compliance-address {
  font-size: .74rem; color: rgba(255,255,255,.58); letter-spacing: .02em;
}
.footer-compliance .footer-links {
  margin-top: 6px; display: flex; flex-wrap: wrap;
  gap: 10px; align-items: center;
}
.footer-compliance .footer-links a {
  color: rgba(255,255,255,.72); font-weight: 700;
  border-bottom: 1px solid rgba(255,255,255,.18); padding-bottom: 1px;
}
.footer-compliance .footer-links a:hover { color: var(--gold-light); border-color: var(--gold); }
.footer-compliance .footer-links span { color: rgba(255,255,255,.30); }
.footer-bottom {
  display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 14px;
  margin-top: 22px; padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: .76rem; color: rgba(255,255,255,.45);
}
.footer-bottom .approval { color: rgba(255,255,255,.40); font-style: italic; letter-spacing: .01em; }

/* ---------- RESPONSIVE (homepage-specific) ---------- */
@media (max-width: 1000px) {
  .hero-grid,
  .contact-grid,
  .about-grid { grid-template-columns: 1fr; }
  .branch-grid { grid-template-columns: repeat(2,1fr); }
  .hero-card { max-width: 620px; }
  .needs-grid { grid-template-columns: repeat(2,1fr); }
  .service-grid { grid-template-columns: repeat(2,1fr); }
  .process-grid { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 640px) {
  .hero { padding-top: calc(var(--nav-h) + 48px); }
  .hero-grid { gap: 42px; padding-bottom: 54px; }
  h1 { font-size: clamp(2.3rem,11vw,3rem); }
  .hero-actions .btn { width: 100%; }
  .branch-card { padding: 32px 26px; min-height: auto; }
  .branch-grid,
  .needs-grid,
  .service-grid,
  .process-grid,
  .stat-grid,
  .contact-methods,
  .trust-badges,
  .footer-grid,
  .hero-mini { grid-template-columns: 1fr; }
  .service-group-head { flex-direction: column; align-items: flex-start; gap: 6px; }
  .contact-info,
  .contact-form { padding: 28px 24px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .trust-inner { gap: 18px; font-size: .78rem; }
}