/* =============================================================
   TH Finanz AG — Haupt-Stylesheet
   Design: Nordic Financial Clarity
   Farben: Dunkelblau #1E3A5F | Grün #4A7C59 | Weiß #FFFFFF
   Schriften: DM Serif Display (Überschriften) + DM Sans (Text)
   ============================================================= */

/* ── Google Fonts werden im <head> geladen ── */

:root {
  --navy:        #1E3A5F;
  --navy-dark:   #152B47;
  --navy-light:  #2A4F7C;
  --green:       #4A7C59;
  --green-light: #5E9B70;
  --green-pale:  #EAF2EC;
  --gold:        #C9A84C;
  --white:       #FFFFFF;
  --off-white:   #F8F7F4;
  --gray-50:     #F9FAFB;
  --gray-100:    #F3F4F6;
  --gray-200:    #E5E7EB;
  --gray-300:    #D1D5DB;
  --gray-400:    #9CA3AF;
  --gray-500:    #6B7280;
  --gray-600:    #4B5563;
  --gray-700:    #374151;
  --gray-800:    #1F2937;
  --border:      #E5E7EB;
  --shadow-sm:   0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md:   0 4px 12px rgba(0,0,0,.10);
  --shadow-lg:   0 10px 30px rgba(0,0,0,.12);
  --radius:      4px;
  --radius-lg:   8px;
  --font-serif:  'DM Serif Display', Georgia, serif;
  --font-sans:   'DM Sans', system-ui, sans-serif;
  --transition:  150ms ease;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
ul, ol { list-style: none; }
input, select, textarea { font-family: inherit; }

/* ── Container ── */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1rem;
}
@media (min-width: 640px)  { .container { padding: 0 1.5rem; } }
@media (min-width: 1024px) { .container { padding: 0 2rem; } }

/* ── Typography ── */
h1, h2, h3, h4 { font-family: var(--font-serif); color: var(--navy); line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--gray-600); line-height: 1.7; }

.section-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 0.75rem;
}
.section-label::before {
  content: '';
  display: inline-block;
  width: 1.5rem;
  height: 1px;
  background: currentColor;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-weight: 600;
  font-family: var(--font-sans);
  transition: opacity var(--transition), background var(--transition), color var(--transition);
  cursor: pointer;
  border: none;
  text-decoration: none;
}
.btn-primary   { background: var(--navy); color: var(--white); }
.btn-primary:hover { opacity: 0.88; }
.btn-green     { background: var(--green); color: var(--white); }
.btn-green:hover { opacity: 0.88; }
.btn-outline   { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,.35); }
.btn-outline:hover { background: rgba(255,255,255,.1); }
.btn-outline-navy { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 0.5rem 1.1rem; font-size: 0.8rem; }
.btn-lg { padding: 0.9rem 2rem; font-size: 1rem; }
.btn-portal {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  font-weight: 600;
}
.btn-portal:hover {
  background: var(--navy);
  color: var(--white);
}

/* ── Cards ── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-icon {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: var(--radius);
  background: #EEF2F8;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.card-icon svg { width: 1.25rem; height: 1.25rem; color: var(--navy); }

/* ── Tables ── */
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.rate-table th {
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1rem;
  text-align: left;
  font-weight: 600;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.rate-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--border);
  color: var(--gray-700);
}
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--gray-50); }
.rate-table tr:hover td { background: #EEF2F8; }
.rate-highlight { color: var(--green); font-weight: 700; font-size: 1rem; }

/* ── Forms ── */
.form-group { margin-bottom: 1.25rem; }
.form-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 0.4rem;
}
.form-control {
  width: 100%;
  padding: 0.65rem 0.875rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-family: var(--font-sans);
  color: var(--gray-800);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(30,58,95,.12);
}
.form-control::placeholder { color: var(--gray-400); }
textarea.form-control { resize: vertical; min-height: 110px; }
.form-row { display: grid; gap: 1rem; }
@media (min-width: 640px) { .form-row-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 640px) { .form-row-3 { grid-template-columns: 1fr 1fr 1fr; } }

.form-check { display: flex; align-items: flex-start; gap: 0.625rem; }
.form-check input[type="checkbox"] {
  width: 1rem; height: 1rem;
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--navy);
}
.form-check label { font-size: 0.8rem; color: var(--gray-500); line-height: 1.5; }

/* ── Alert / Notice ── */
.alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius);
  font-size: 0.875rem;
  margin-bottom: 1.25rem;
}
.alert-success { background: var(--green-pale); color: #2D5A3D; border-left: 3px solid var(--green); }
.alert-error   { background: #FEF2F2; color: #991B1B; border-left: 3px solid #EF4444; }
.alert-info    { background: #EFF6FF; color: #1E40AF; border-left: 3px solid #3B82F6; }

/* ── Page Header (dark) ── */
.page-header {
  background: var(--navy);
  padding: 4rem 0 3.5rem;
  color: var(--white);
}
.page-header h1 { color: var(--white); }
.page-header p  { color: rgba(255,255,255,.72); font-size: 1.05rem; margin-top: 0.75rem; max-width: 36rem; }

/* ── Section spacing ── */
.section       { padding: 4rem 0; }
.section-lg    { padding: 5.5rem 0; }
.section-sm    { padding: 2.5rem 0; }
.section-dark  { background: var(--navy); color: var(--white); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark p { color: rgba(255,255,255,.72); }
.section-light { background: var(--off-white); }
.section-gray  { background: var(--gray-50); }

/* ── Grid helpers ── */
.grid-2 { display: grid; gap: 1.5rem; }
.grid-3 { display: grid; gap: 1.5rem; }
.grid-4 { display: grid; gap: 1.5rem; }
@media (min-width: 640px)  { .grid-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 768px)  { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }

/* ── Divider ── */
.divider { border: none; border-top: 1px solid var(--border); margin: 2rem 0; }

/* ── Badge ── */
.badge {
  display: inline-block;
  padding: 0.2rem 0.6rem;
  border-radius: 2px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.badge-green  { background: var(--green-pale); color: var(--green); }
.badge-navy   { background: #EEF2F8; color: var(--navy); }
.badge-gold   { background: #FEF9EE; color: #92650A; }

/* ── Info box ── */
.info-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
}

/* ── Steps ── */
.steps { counter-reset: step; display: flex; flex-direction: column; gap: 1.5rem; }
.step  { display: flex; gap: 1.25rem; align-items: flex-start; }
.step-num {
  counter-increment: step;
  width: 2.25rem; height: 2.25rem;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.875rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.step-num::before { content: counter(step); }
.step-body h4 { margin-bottom: 0.25rem; }
.step-body p  { font-size: 0.875rem; }

/* ── Stat boxes ── */
.stat-box { text-align: center; padding: 1.5rem; }
.stat-num {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.35rem;
}
.stat-num span { color: var(--gold); }
.stat-label { font-size: 0.8rem; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: 0.07em; }

/* ── FAQ Accordion ── */
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  width: 100%;
  text-align: left;
  padding: 1rem 0;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
}
.faq-question .faq-icon {
  width: 1.25rem; height: 1.25rem;
  flex-shrink: 0;
  transition: transform 0.25s ease;
}
.faq-question.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.3s ease, padding 0.3s ease;
}
.faq-answer.open { max-height: 500px; }
.faq-answer-inner { padding-bottom: 1rem; font-size: 0.875rem; color: var(--gray-600); line-height: 1.7; }

/* ── Calculator ── */
.calculator {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-md);
}
.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin-top: 1.25rem;
}
.calc-result-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.07em; color: rgba(255,255,255,.6); }
.calc-result-value { font-family: var(--font-serif); font-size: 2rem; color: var(--white); }
.calc-result-value span { color: var(--gold); }

/* ── Topbar ── */
#topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  font-size: 0.75rem;
  padding: 0.45rem 0;
  display: none;
}
@media (min-width: 1024px) { #topbar { display: block; } }
#topbar a { color: rgba(255,255,255,.7); transition: color var(--transition); }
#topbar a:hover { color: var(--white); }
#topbar .topbar-inner { display: flex; justify-content: space-between; align-items: center; }
#topbar .topbar-right { display: flex; align-items: center; gap: 0.5rem; }
.topbar-shield { color: var(--green-light); margin-right: 0.25rem; }

/* ── Header / Nav ── */
#site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 4rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}
.logo-mark {
  width: 2.25rem; height: 2.25rem;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.logo-mark span { color: var(--white); font-family: var(--font-serif); font-weight: 700; font-size: 0.875rem; }
.logo-text-main { font-family: var(--font-serif); font-size: 0.9375rem; color: var(--navy); line-height: 1.2; }
.logo-text-sub  { font-size: 0.7rem; color: var(--gray-400); }

/* Desktop Nav */
#main-nav { display: none; align-items: center; gap: 0.25rem; }
@media (min-width: 1024px) { #main-nav { display: flex; } }

.nav-link {
  padding: 0.5rem 0.875rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
  display: flex; align-items: center; gap: 0.25rem;
}
.nav-link:hover, .nav-link.active { background: var(--gray-100); color: var(--navy); }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 0;
  width: 17rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 0.375rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown-menu:hover {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.625rem 0.875rem;
  border-radius: var(--radius);
  transition: background var(--transition);
  text-decoration: none;
}
.nav-dropdown-item:hover { background: var(--gray-50); }
.nav-dropdown-item-icon {
  width: 2rem;
  height: 2rem;
  background: #EEF2F8;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.nav-dropdown-item-icon svg {
  width: 1rem;
  height: 1rem;
  color: var(--navy);
  flex-shrink: 0;
}
.nav-dropdown-item-title { font-size: 0.875rem; font-weight: 600; color: var(--navy); line-height: 1.3; }
.nav-dropdown-item-sub   { font-size: 0.72rem; color: var(--gray-400); margin-top: 0.1rem; line-height: 1.3; }

.nav-chevron { width: 0.875rem; height: 0.875rem; transition: transform 0.2s; }
.nav-dropdown:hover .nav-chevron { transform: rotate(180deg); }

/* SpaceX IPO Nav Highlight */
.nav-link-spacex {
  color: var(--gold) !important;
  font-weight: 600;
  background: rgba(201,168,76,.08);
  border: 1px solid rgba(201,168,76,.25);
}
.nav-link-spacex:hover, .nav-link-spacex.active {
  background: rgba(201,168,76,.15) !important;
  color: var(--gold) !important;
}

/* Header CTA */
.header-cta { display: none; }
@media (min-width: 1024px) { .header-cta { display: flex; align-items: center; gap: 0.75rem; } }

/* Mobile toggle */
#mobile-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 2.25rem; height: 2.25rem;
  border-radius: var(--radius);
  color: var(--gray-600);
  transition: background var(--transition);
}
#mobile-toggle:hover { background: var(--gray-100); }
@media (min-width: 1024px) { #mobile-toggle { display: none; } }

/* Mobile Menu */
#mobile-menu {
  display: none;
  border-top: 1px solid var(--border);
  background: var(--white);
}
#mobile-menu.open { display: block; }
.mobile-menu-inner { padding: 1rem 0 1.25rem; }
.mobile-section-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  padding: 0.5rem 0.75rem 0.25rem;
}
.mobile-nav-link {
  display: block;
  padding: 0.625rem 0.75rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-700);
  border-radius: var(--radius);
  transition: background var(--transition);
}
.mobile-nav-link:hover { background: var(--gray-50); }
.mobile-divider { border: none; border-top: 1px solid var(--border); margin: 0.5rem 0; }

/* ── Announcement Bar ── */
.announcement-bar {
  background: var(--green);
  color: var(--white);
  text-align: center;
  padding: 0.6rem 1rem;
  font-size: 0.8125rem;
  font-weight: 500;
}
.announcement-bar a { color: var(--white); text-decoration: underline; }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy-dark);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.28;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 42rem;
  padding: 4rem 0;
}
.hero-content h1 { color: var(--white); }
.hero-content h1 em { font-style: normal; color: var(--green-light); }
.hero-content p { color: rgba(255,255,255,.78); font-size: 1.0625rem; margin: 1rem 0 2rem; max-width: 34rem; }
.hero-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; }

/* ── Product Cards (Home) ── */
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
  display: flex;
  flex-direction: column;
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.product-card-img { height: 180px; overflow: hidden; }
.product-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.product-card:hover .product-card-img img { transform: scale(1.04); }
.product-card-body { padding: 1.25rem; flex: 1; display: flex; flex-direction: column; }
.product-card-rate {
  font-family: var(--font-serif);
  font-size: 1.75rem;
  color: var(--green);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.product-card-rate small { font-family: var(--font-sans); font-size: 0.75rem; color: var(--gray-400); font-weight: 400; }
.product-card-body h3 { margin-bottom: 0.5rem; }
.product-card-body p  { font-size: 0.875rem; flex: 1; }
.product-card-footer { padding: 1rem 1.25rem; border-top: 1px solid var(--border); }

/* ── Trust bar ── */
.trust-bar {
  background: var(--navy);
  padding: 2.5rem 0;
}
.trust-items { display: flex; flex-wrap: wrap; gap: 2rem; justify-content: center; }
.trust-item  { display: flex; align-items: center; gap: 0.75rem; }
.trust-icon  { width: 2.5rem; height: 2.5rem; background: rgba(255,255,255,.1); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.trust-icon svg { width: 1.25rem; height: 1.25rem; color: var(--gold); }
.trust-text-main  { font-size: 0.9375rem; font-weight: 600; color: var(--white); }
.trust-text-sub   { font-size: 0.75rem; color: rgba(255,255,255,.55); }

/* ── Footer ── */
#site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.7);
  padding: 4rem 0 0;
}
.footer-grid { display: grid; gap: 2.5rem; }
@media (min-width: 768px)  { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }

.footer-brand p { font-size: 0.875rem; line-height: 1.7; margin-top: 1rem; }
.footer-logo { display: flex; align-items: center; gap: 0.75rem; }
.footer-logo-mark { width: 2.25rem; height: 2.25rem; background: rgba(255,255,255,.1); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; }
.footer-logo-mark span { color: var(--white); font-family: var(--font-serif); font-weight: 700; font-size: 0.875rem; }
.footer-logo-text-main { font-family: var(--font-serif); font-size: 0.9375rem; color: var(--white); }
.footer-logo-text-sub  { font-size: 0.7rem; color: rgba(255,255,255,.45); }

.footer-col h4 {
  font-family: var(--font-sans);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 1rem;
}
.footer-col ul { display: flex; flex-direction: column; gap: 0.625rem; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,.65);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }

.footer-contact-item { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.875rem; }
.footer-contact-item svg { width: 1rem; height: 1rem; color: rgba(255,255,255,.35); flex-shrink: 0; margin-top: 0.15rem; }
.footer-contact-item span { font-size: 0.875rem; color: rgba(255,255,255,.65); line-height: 1.5; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  margin-top: 3rem;
  padding: 1.5rem 0;
}
.footer-bottom-inner { display: flex; flex-direction: column; gap: 0.5rem; align-items: center; text-align: center; }
@media (min-width: 768px) { .footer-bottom-inner { flex-direction: row; justify-content: space-between; text-align: left; } }
.footer-bottom p { font-size: 0.75rem; color: rgba(255,255,255,.35); }

.footer-legal {
  margin-top: 1.5rem;
  padding: 1rem 1.25rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
}
.footer-legal p { font-size: 0.72rem; color: rgba(255,255,255,.35); line-height: 1.6; }
.footer-legal strong { color: rgba(255,255,255,.55); }

/* ── Scroll to Top ── */
#scroll-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 2.75rem;
  height: 2.75rem;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s, visibility 0.25s, transform 0.25s;
  transform: translateY(8px);
  z-index: 999;
  cursor: pointer;
  border: none;
}
#scroll-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#scroll-top:hover { background: var(--navy-light); }
#scroll-top svg { width: 1.25rem; height: 1.25rem; }

/* ── Utility ── */
.text-green  { color: var(--green) !important; }
.text-navy   { color: var(--navy) !important; }
.text-gold   { color: var(--gold) !important; }
.text-muted  { color: var(--gray-400) !important; }
.text-white  { color: var(--white) !important; }
.text-center { text-align: center; }
.text-sm     { font-size: 0.875rem; }
.text-xs     { font-size: 0.75rem; }
.fw-bold     { font-weight: 700; }
.fw-semibold { font-weight: 600; }
.mt-1 { margin-top: 0.25rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-3 { margin-top: 0.75rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mt-8 { margin-top: 2rem; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-6 { margin-bottom: 1.5rem; }
.mb-8 { margin-bottom: 2rem; }
.gap-1 { gap: 0.25rem; }
.gap-2 { gap: 0.5rem; }
.gap-3 { gap: 0.75rem; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.w-full { width: 100%; }
.hidden { display: none !important; }

/* ── Responsive helpers ── */
@media (max-width: 767px) {
  .hide-mobile { display: none !important; }
  .hero { min-height: 420px; }
  .hero-content { padding: 3rem 0; }
  .trust-items { gap: 1.25rem; }
  .stat-num { font-size: 2rem; }
}
@media (min-width: 768px) {
  .hide-desktop { display: none !important; }
}
