:root {
  --primary: #005a9c;
  --primary-dark: #003e6b;
  --primary-light: #e8f2fa;
  --primary-hover: #004b82;
  --accent: #d9531e;
  --accent-light: #fef4ee;
  --text: #1a202c;
  --text-muted: #53637a;
  --text-light: #7b8b9e;
  --bg: #ffffff;
  --surface: #f7fafc;
  --surface-alt: #edf2f7;
  --surface-card: #ffffff;
  --border: #dbe3eb;
  --border-light: #eef2f6;
  --success: #198754;
  --success-bg: #e8f8f0;
  --warning: #b7791f;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08);
  --shadow-md: 0 4px 12px rgba(0, 30, 60, 0.08);
  --shadow-lg: 0 10px 25px rgba(0, 30, 60, 0.12);
  --font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-full: 9999px;
  --container-max: 1200px;
  --transition: all 0.2s ease-in-out;
}

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

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background-color: var(--bg);
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

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

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

a:hover, a:focus-visible {
  color: var(--primary-dark);
  text-decoration: underline;
}

h1, h2, h3, h4, h5, h6 {
  line-height: 1.25;
  color: var(--text);
  font-weight: 700;
}

h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  letter-spacing: -0.02em;
}

h2 {
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  letter-spacing: -0.01em;
}

h3 {
  font-size: 1.35rem;
}

p {
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

/* Accessibility */
.skip-link {
  position: absolute;
  top: -40px;
  left: 1rem;
  background: var(--primary-dark);
  color: #fff;
  padding: 0.5rem 1rem;
  z-index: 1000;
  border-radius: var(--radius-sm);
  transition: top 0.2s;
  text-decoration: none;
}
.skip-link:focus {
  top: 1rem;
}

/* Top utility bar */
.top-bar {
  background-color: #0b2540;
  color: #d1e2f3;
  font-size: 0.85rem;
  padding: 0.4rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}
.top-bar a {
  color: #e2eeff;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  text-decoration: none;
}
.top-bar a:hover {
  color: #ffffff;
  text-decoration: underline;
}

/* Header */
.site-header {
  background: #ffffff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}
.site-header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--primary);
  font-weight: 800;
  font-size: 1.35rem;
}
.brand-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--primary) 0%, #003661 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 2px 6px rgba(0, 90, 156, 0.35);
}
.brand-text {
  display: flex;
  flex-direction: column;
}
.brand-name {
  line-height: 1.1;
  color: var(--primary);
  font-size: 1.25rem;
  font-weight: 800;
}
.brand-sub {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* Nav */
.main-nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 1.25rem;
  align-items: center;
}
.nav-link {
  color: var(--text);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.4rem 0.5rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  transition: var(--transition);
}
.nav-link:hover {
  color: var(--primary);
  background: var(--primary-light);
  text-decoration: none;
}
.nav-link.active {
  color: var(--primary);
  background-color: var(--primary-light);
}

.header-cta-group {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.65rem 1.25rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  cursor: pointer;
  border: 1px solid transparent;
  transition: var(--transition);
  line-height: 1.3;
}
.btn:hover {
  text-decoration: none;
}
.btn-primary {
  background-color: var(--primary);
  color: #ffffff;
}
.btn-primary:hover, .btn-primary:focus-visible {
  background-color: var(--primary-hover);
  color: #ffffff;
  box-shadow: 0 4px 12px rgba(0, 90, 156, 0.25);
}
.btn-accent {
  background-color: var(--accent);
  color: #ffffff;
}
.btn-accent:hover, .btn-accent:focus-visible {
  background-color: #b94012;
  color: #ffffff;
  box-shadow: 0 4px 12px rgba(217, 83, 30, 0.25);
}
.btn-outline {
  background-color: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover, .btn-outline:focus-visible {
  background-color: var(--primary-light);
  color: var(--primary-dark);
}
.btn-outline-white {
  background-color: transparent;
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.7);
}
.btn-outline-white:hover, .btn-outline-white:focus-visible {
  background-color: rgba(255, 255, 255, 0.15);
  border-color: #ffffff;
  color: #ffffff;
}
.btn-sm {
  padding: 0.45rem 0.85rem;
  font-size: 0.85rem;
}
.btn-lg {
  padding: 0.85rem 1.65rem;
  font-size: 1.05rem;
}

/* Nav toggle for mobile */
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  padding: 0.45rem;
  border-radius: var(--radius-sm);
  color: var(--text);
  cursor: pointer;
}
.nav-toggle svg {
  width: 24px;
  height: 24px;
  display: block;
}

/* Hero section */
.hero {
  position: relative;
  background: linear-gradient(135deg, #072a4d 0%, #005a9c 60%, #086eb7 100%);
  color: #ffffff;
  padding: 3.5rem 0 4.5rem;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  background: radial-gradient(circle at 80% 20%, rgba(255, 255, 255, 0.12) 0%, transparent 50%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: 3rem;
  position: relative;
  z-index: 2;
}
.hero-content h1 {
  color: #ffffff;
  margin-bottom: 1.25rem;
  font-size: clamp(2.2rem, 4vw, 3.25rem);
  line-height: 1.15;
}
.hero-lead {
  font-size: 1.2rem;
  color: #d8e8f8;
  margin-bottom: 2rem;
  line-height: 1.5;
}
.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2rem;
}
.hero-badge-strip {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 0.9rem;
  color: #cbe0f5;
}
.badge-item {
  display: flex;
  align-items: center;
  gap: 0.45rem;
}
.badge-item svg {
  color: #ffb86b;
  flex-shrink: 0;
}
.hero-image-wrap {
  position: relative;
}
.hero-img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.3);
  border: 3px solid rgba(255, 255, 255, 0.2);
}
.hero-card-floating {
  position: absolute;
  bottom: -1.25rem;
  left: -1rem;
  background: #ffffff;
  color: var(--text);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  max-width: 260px;
}
.hero-card-floating svg {
  color: var(--success);
  flex-shrink: 0;
}
.hero-card-floating strong {
  display: block;
  font-size: 0.95rem;
  line-height: 1.2;
}
.hero-card-floating span {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Stat strip */
.stat-strip {
  background: #ffffff;
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--border-light);
}
.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-item {
  padding: 0.75rem;
}
.stat-number {
  font-size: 2.35rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  margin-bottom: 0.35rem;
}
.stat-label {
  font-size: 0.95rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* Section styling */
.section {
  padding: 4.5rem 0;
}
.section-alt {
  background-color: var(--surface);
}
.section-primary-tint {
  background-color: var(--primary-light);
}
.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 3.25rem;
}
.section-tag {
  display: inline-block;
  font-size: 0.82rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--primary);
  background: var(--primary-light);
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.85rem;
}
.section-tag.tag-accent {
  color: var(--accent);
  background: var(--accent-light);
}
.section-header h2 {
  margin-bottom: 1rem;
}
.section-desc {
  font-size: 1.1rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Cards grid */
.cards-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.cards-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.cards-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.card {
  background: var(--surface-card);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  padding: 2rem;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}
.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.card-icon.icon-accent {
  background: var(--accent-light);
  color: var(--accent);
}
.card h3 {
  margin-bottom: 0.75rem;
}
.card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}
.card-link {
  font-weight: 600;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

/* Feature highlight strip */
.highlight-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: center;
  margin-bottom: 4rem;
}
.highlight-row:last-child {
  margin-bottom: 0;
}
.highlight-row.reverse {
  direction: rtl;
}
.highlight-row.reverse > * {
  direction: ltr;
}
.highlight-content h3 {
  font-size: 1.85rem;
  margin-bottom: 1rem;
}
.highlight-content p {
  font-size: 1.05rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}
.feature-list {
  list-style: none;
  margin: 1.5rem 0 2rem;
}
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.98rem;
  margin-bottom: 0.85rem;
  color: var(--text);
}
.feature-list svg {
  color: var(--success);
  margin-top: 0.2rem;
  flex-shrink: 0;
}

/* Process steps */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
  position: relative;
}
.step-item {
  background: #ffffff;
  padding: 2rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  position: relative;
}
.step-badge {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: var(--primary);
  color: #ffffff;
  font-weight: 800;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.step-item h4 {
  font-size: 1.15rem;
  margin-bottom: 0.65rem;
}
.step-item p {
  font-size: 0.92rem;
  color: var(--text-muted);
}

/* Rate table / comparison table */
.rate-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  background: #ffffff;
  box-shadow: var(--shadow-sm);
  margin: 2rem 0;
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.95rem;
}
.rate-table th {
  background: var(--primary);
  color: #ffffff;
  padding: 1rem 1.25rem;
  font-weight: 700;
  white-space: nowrap;
}
.rate-table td {
  padding: 1rem 1.25rem;
  border-top: 1px solid var(--border-light);
  color: var(--text);
}
.rate-table tr:hover td {
  background-color: var(--primary-light);
}
.rate-value {
  font-weight: 700;
  color: var(--primary);
  font-size: 1.1rem;
}

/* Testimonials */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.testimonial-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.rating-stars {
  display: flex;
  gap: 0.25rem;
  color: #f59e0b;
  margin-bottom: 1rem;
}
.testimonial-text {
  font-style: italic;
  color: var(--text);
  font-size: 0.96rem;
  line-height: 1.6;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  border-top: 1px solid var(--border-light);
  padding-top: 1rem;
}
.author-avatar {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-full);
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}
.author-info strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text);
}
.author-info span {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* Accordion FAQ */
.faq-list {
  max-width: 850px;
  margin: 0 auto;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: #ffffff;
  margin-bottom: 1rem;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.active {
  border-color: var(--primary);
  box-shadow: var(--shadow-sm);
}
.faq-trigger {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  text-align: left;
  cursor: pointer;
  transition: var(--transition);
}
.faq-trigger:hover {
  color: var(--primary);
}
.faq-icon {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.25s ease;
  color: var(--primary);
  flex-shrink: 0;
}
.faq-item.active .faq-icon {
  transform: rotate(180deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 1.5rem;
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.6;
}
.faq-item.active .faq-answer {
  max-height: 600px;
  padding: 0 1.5rem 1.35rem 1.5rem;
}

/* Call to Action Band */
.cta-band {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: #ffffff;
  padding: 4.5rem 0;
  text-align: center;
}
.cta-content {
  max-width: 740px;
  margin: 0 auto;
}
.cta-content h2 {
  color: #ffffff;
  font-size: 2.35rem;
  margin-bottom: 1rem;
}
.cta-content p {
  font-size: 1.15rem;
  color: #dbe9f6;
  margin-bottom: 2rem;
}
.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}

/* Inner Page Header */
.page-hero {
  background: linear-gradient(135deg, #0b2540 0%, #005a9c 100%);
  color: #ffffff;
  padding: 3.5rem 0 3.75rem;
}
.page-hero h1 {
  color: #ffffff;
  font-size: clamp(2.2rem, 3.8vw, 3rem);
  margin-bottom: 0.85rem;
}
.page-hero p {
  color: #d1e5f8;
  font-size: 1.15rem;
  max-width: 780px;
}
.breadcrumb-trail {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.88rem;
  margin-bottom: 1rem;
  color: #b8d5f3;
}
.breadcrumb-trail a {
  color: #dbe9f6;
  text-decoration: none;
}
.breadcrumb-trail a:hover {
  text-decoration: underline;
  color: #ffffff;
}

/* Content layout with sidebar */
.layout-with-sidebar {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 3rem;
  align-items: start;
}
.layout-sidebar {
  position: sticky;
  top: 6rem;
}
.sidebar-box {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin-bottom: 1.75rem;
  box-shadow: var(--shadow-sm);
}
.sidebar-box h3 {
  font-size: 1.25rem;
  margin-bottom: 1rem;
  padding-bottom: 0.65rem;
  border-bottom: 2px solid var(--primary-light);
}

/* Forms */
.form-group {
  margin-bottom: 1.25rem;
}
.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 0.4rem;
  color: var(--text);
}
.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.95rem;
  font-family: inherit;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: #ffffff;
  color: var(--text);
  transition: var(--transition);
}
.form-control:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0, 90, 156, 0.15);
}
textarea.form-control {
  min-height: 120px;
  resize: vertical;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Branch cards */
.branch-card {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-sm);
}
.branch-card h3 {
  color: var(--primary);
  margin-bottom: 0.65rem;
}
.branch-detail {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}
.branch-detail svg {
  color: var(--primary);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* Footer */
.site-footer {
  background: #0b1f33;
  color: #a6bccc;
  margin-top: auto;
  font-size: 0.92rem;
  padding-top: 4.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-brand-title {
  color: #ffffff;
  font-size: 1.35rem;
  font-weight: 800;
  margin-bottom: 0.75rem;
}
.footer-desc {
  font-size: 0.9rem;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}
.footer-heading {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}
.footer-links {
  list-style: none;
}
.footer-links li {
  margin-bottom: 0.65rem;
}
.footer-links a {
  color: #b4c9db;
  text-decoration: none;
  font-size: 0.9rem;
  transition: var(--transition);
}
.footer-links a:hover {
  color: #ffffff;
  padding-left: 4px;
}
.footer-compliance-row {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding: 2rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
  color: #92a8bc;
}
.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.45rem 0.85rem;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.03);
  font-size: 0.82rem;
  color: #ffffff;
}
.footer-bottom {
  padding: 1.75rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.82rem;
  color: #798f9f;
}
.footer-bottom-links {
  display: flex;
  gap: 1.5rem;
  list-style: none;
}
.footer-bottom-links a {
  color: #92a8bc;
}
.footer-bottom-links a:hover {
  color: #ffffff;
}

/* Responsive adjustments */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .hero-card-floating {
    bottom: -1rem;
    left: 1rem;
  }
  .cards-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .cards-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .layout-with-sidebar {
    grid-template-columns: 1fr;
  }
  .layout-sidebar {
    position: static;
  }
}

@media (max-width: 768px) {
  .top-bar {
    display: none;
  }
  .nav-toggle {
    display: block;
  }
  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #ffffff;
    flex-direction: column;
    align-items: flex-start;
    padding: 1.25rem 1.5rem;
    box-shadow: 0 12px 24px rgba(0, 0, 0, 0.1);
    border-bottom: 1px solid var(--border);
    gap: 0.5rem;
  }
  .nav-links.show {
    display: flex;
  }
  .nav-links li {
    width: 100%;
  }
  .nav-link {
    width: 100%;
    padding: 0.75rem 0.5rem;
  }
  .header-cta-group .btn-secondary {
    display: none;
  }
  .cards-grid-3, .cards-grid-2, .cards-grid-4, .stat-grid, .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .highlight-row {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .steps-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
}
</style>