/* ==========================================================================
   AMECO CAPITAL — Design System
   Fonturi: Plus Jakarta Sans (titluri) + Inter (text)
   Paleta: Navy premium + Gold. Ton: serios, de încredere, accesibil.
   ========================================================================== */

/* ---------- 1. TOKENS ---------- */
:root{
  /* Brand */
  --navy-950:#05162B;
  --navy-900:#072141;
  --navy-800:#0B2A4F;
  --navy-700:#113A63;
  --navy-600:#1A4E86;
  --blue-500:#2C6FB5;
  --blue-50:#EEF4FB;

  --gold-700:#886712;
  --gold-600:#B8912F;
  --gold-500:#C9A227;
  --gold-400:#DCBB55;
  --gold-100:#F6EDD4;
  --gold-50:#FBF6E8;

  --green-600:#137A52;
  --green-500:#1E9E6A;
  --green-50:#E8F7F0;
  --red-600:#C0392B;
  --red-50:#FDECEA;
  --amber-50:#FEF6E7;
  --amber-600:#9A6B08;

  /* Neutre */
  --ink:#0E1726;
  --body:#48566B;
  --muted:#626F87;
  --line:#E4E9F0;
  --line-soft:#EFF2F7;
  --bg:#FFFFFF;
  --bg-soft:#F7F9FC;
  --cream:#FBF8F2;

  /* Typography */
  --font-display:"Plus Jakarta Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;

  /* Spacing / shape */
  --r-sm:8px; --r:12px; --r-md:16px; --r-lg:22px; --r-xl:28px; --r-full:999px;
  --container:1180px;
  --sec-y:clamp(56px,7vw,104px);

  /* Shadows */
  --sh-xs:0 1px 2px rgba(11,42,79,.06);
  --sh-sm:0 2px 8px rgba(11,42,79,.07);
  --sh:0 6px 20px rgba(11,42,79,.09);
  --sh-md:0 14px 38px rgba(11,42,79,.11);
  --sh-lg:0 28px 64px rgba(11,42,79,.16);
  --sh-gold:0 10px 26px rgba(184,145,47,.30);

  --header-h:76px;
}

/* ---------- 2. RESET & BASE ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px)}
body{
  margin:0;background:var(--bg);color:var(--body);
  font-family:var(--font-body);font-size:17px;line-height:1.68;
  font-weight:400;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img,svg,video{max-width:100%;height:auto;display:block}
h1,h2,h3,h4,h5{font-family:var(--font-display);color:var(--ink);margin:0 0 .5em;font-weight:800;line-height:1.16;letter-spacing:-.022em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.72rem,3.2vw,2.6rem)}
h3{font-size:clamp(1.2rem,1.9vw,1.5rem);font-weight:700}
h4{font-size:1.1rem;font-weight:700}
p{margin:0 0 1.1em}
a{color:var(--navy-600);text-decoration:none;transition:color .18s ease}
a:hover{color:var(--gold-600)}
ul,ol{margin:0 0 1.2em;padding-left:1.25em}
li{margin-bottom:.45em}
strong{color:var(--ink);font-weight:650}
small{font-size:.875rem}
hr{border:0;border-top:1px solid var(--line);margin:2.4rem 0}
:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;border-radius:4px}
::selection{background:var(--gold-100);color:var(--navy-900)}

/* ---------- 3. LAYOUT ---------- */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:22px}
.container-narrow{max-width:820px}
.section{padding-block:var(--sec-y)}
.section-sm{padding-block:clamp(40px,5vw,68px)}
.bg-soft{background:var(--bg-soft)}
.bg-cream{background:var(--cream)}
.bg-navy{background:var(--navy-900);color:#C3D2E4}
.bg-navy h1,.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.bg-navy a{color:var(--gold-400)}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.split{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(32px,5vw,64px);align-items:center}
/* Fara asta, o coloana creste cat cel mai lat continut al ei (ex: optiunile
   lungi dintr-o lista derulanta) si impinge toata pagina in lateral. */
.grid > *,.split > *,.hero-grid > *,.calc-grid > *,.f-row > *,.cta-inner > *{min-width:0}
select.f-control,input.f-control,textarea.f-control{min-width:0}

/* Section header */
.sec-head{max-width:720px;margin-bottom:clamp(32px,4vw,52px)}
.sec-head.center{margin-inline:auto;text-align:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-display);font-size:.775rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--gold-700);
  background:var(--gold-50);border:1px solid var(--gold-100);
  padding:6px 14px;border-radius:var(--r-full);margin-bottom:18px;
}
.bg-navy .eyebrow{color:var(--gold-400);background:rgba(201,162,39,.12);border-color:rgba(201,162,39,.28)}
.lead{font-size:clamp(1.05rem,1.5vw,1.22rem);line-height:1.62;color:var(--muted)}
.bg-navy .lead{color:#A9BDD5}

/* ---------- 4. BUTTONS ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--font-display);font-size:1rem;font-weight:700;line-height:1;
  padding:16px 28px;border-radius:var(--r-full);border:1.5px solid transparent;
  cursor:pointer;text-align:center;transition:transform .16s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease;
  text-decoration:none;white-space:nowrap;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn svg{width:18px;height:18px;flex-shrink:0}
.btn-primary{background:linear-gradient(135deg,#DCBB55,#C08F22);color:var(--navy-950);box-shadow:var(--sh-gold)}
.btn-primary:hover{color:var(--navy-950);box-shadow:0 14px 32px rgba(184,145,47,.42)}
.btn-navy{background:var(--navy-800);color:#fff;box-shadow:var(--sh)}
.btn-navy:hover{background:var(--navy-700);color:#fff}
.btn-outline{background:transparent;color:var(--navy-800);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy-800);color:var(--navy-800);background:var(--blue-50)}
.btn-white{background:#fff;color:var(--navy-900);box-shadow:var(--sh)}
.btn-white:hover{color:var(--navy-900)}
.btn-ghost-light{background:rgba(255,255,255,.07);color:#fff;border-color:rgba(255,255,255,.28)}
.btn-ghost-light:hover{background:rgba(255,255,255,.14);color:#fff}
.btn-lg{padding:19px 36px;font-size:1.06rem}
.btn-sm{padding:11px 20px;font-size:.9rem}
.btn-block{width:100%}
.btn-group{display:flex;flex-wrap:wrap;gap:14px}
.btn-group.center{justify-content:center}

/* ---------- 5. HEADER ---------- */
.header{
  position:sticky;top:0;z-index:900;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line-soft);transition:box-shadow .25s ease;
}
.header.scrolled{box-shadow:var(--sh-sm)}
/* Co-brandingul ocupa ~145px in plus. Doar header-ul primeste un container
   mai lat; restul paginii ramane la 1180px. */
.header .container{max-width:1400px}
.header-inner{display:flex;align-items:center;gap:20px;height:var(--header-h)}
.brand{display:flex;align-items:center;flex-shrink:0}
.brand img{width:auto}
.brand-full{height:46px}          /* varianta cu slogan */
.brand-mic{height:26px;display:none}  /* doar numele, pentru ecrane mici */

/* Co-branding cerut de contractul de franciza (Art. 10.3): marca proprie
   afisata alaturi de cea a francizorului, in formatul agreat cu acesta. */
.cobrand{display:flex;align-items:center;gap:15px;flex-shrink:0;min-width:0}
.cobrand-sep{width:1px;height:32px;background:var(--line);flex-shrink:0}
.cobrand-if{display:flex;align-items:center;flex-shrink:0;opacity:.92;transition:opacity .18s ease}
.cobrand-if:hover{opacity:1}
.cobrand-if img{height:30px;width:auto;display:block}

.nav{display:flex;align-items:center;gap:3px;margin-left:auto}
.nav-item{position:relative}
.nav-link{
  display:flex;align-items:center;gap:5px;padding:10px 12px;border-radius:var(--r-sm);
  font-family:var(--font-display);font-size:.93rem;font-weight:600;color:var(--navy-800);
  white-space:nowrap;transition:background .18s ease,color .18s ease;
}
.nav-link:hover,.nav-item:hover>.nav-link,.nav-link[aria-current="page"]{background:var(--blue-50);color:var(--navy-700)}
.nav-link .chev{width:11px;height:11px;transition:transform .2s ease;opacity:.6}
.nav-item:hover .chev{transform:rotate(180deg)}
.dropdown{
  position:absolute;top:calc(100% + 8px);left:50%;transform:translate(-50%,8px);
  width:max-content;min-width:330px;max-width:400px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);
  box-shadow:var(--sh-lg);padding:10px;opacity:0;visibility:hidden;transition:all .2s ease;
}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dd-link{display:flex;gap:12px;padding:11px 12px;border-radius:var(--r-sm);transition:background .16s ease}
.dd-link:hover{background:var(--bg-soft)}
.dd-ico{
  width:38px;height:38px;flex-shrink:0;border-radius:10px;background:var(--gold-50);
  display:grid;place-items:center;color:var(--gold-700);border:1px solid var(--gold-100);
}
.dd-ico svg{width:19px;height:19px}
.dd-txt{display:block;min-width:0}
.dd-t{display:block;font-family:var(--font-display);font-weight:700;font-size:.94rem;color:var(--ink);line-height:1.3;transition:color .16s ease}
.dd-d{display:block;font-size:.815rem;color:var(--muted);line-height:1.5;margin-top:3px}
.dd-link:hover .dd-t{color:var(--navy-600)}
.dd-link:hover .dd-ico{background:linear-gradient(135deg,var(--gold-100),#F0E2BC);border-color:#E8D6A8}
.header-cta{display:flex;align-items:center;gap:10px;flex-shrink:0}
.header-phone{
  display:flex;align-items:center;gap:8px;font-family:var(--font-display);
  font-weight:700;font-size:.95rem;color:var(--navy-800);padding:9px 14px;border-radius:var(--r-full);
}
.header-phone:hover{background:var(--blue-50);color:var(--navy-800)}
.header-phone svg{width:17px;height:17px;color:var(--gold-600)}
.burger{
  display:none;width:44px;height:44px;border:1px solid var(--line);background:#fff;
  border-radius:var(--r-sm);cursor:pointer;align-items:center;justify-content:center;flex-shrink:0;
}
.burger span{display:block;width:19px;height:2px;background:var(--navy-800);border-radius:2px;position:relative;transition:.22s}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:19px;height:2px;background:var(--navy-800);border-radius:2px;transition:.22s}
.burger span::before{top:-6px}.burger span::after{top:6px}
.burger.open span{background:transparent}
.burger.open span::before{top:0;transform:rotate(45deg)}
.burger.open span::after{top:0;transform:rotate(-45deg)}

/* Mobile drawer */
.drawer{
  position:fixed;inset:var(--header-h) 0 0;background:#fff;z-index:890;
  overflow-y:auto;overflow-x:hidden;padding:22px 22px 120px;transform:translateX(100%);
  transition:transform .28s cubic-bezier(.4,0,.2,1);visibility:hidden;
}
.drawer.open{transform:translateX(0);visibility:visible}
.drawer-group{border-bottom:1px solid var(--line-soft);padding:6px 0}
.drawer-top{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:10px;
  background:none;border:0;padding:15px 2px;cursor:pointer;
  font-family:var(--font-display);font-weight:700;font-size:1.06rem;color:var(--ink);text-align:left;
}
.drawer-top svg{width:13px;height:13px;transition:transform .22s ease;color:var(--muted)}
.drawer-top[aria-expanded="true"] svg{transform:rotate(180deg)}
.drawer-sub{display:none;padding:0 0 12px 4px}
.drawer-sub.open{display:block}
.drawer-sub a{display:block;padding:10px 12px;border-radius:var(--r-sm);color:var(--body);font-size:.97rem}
.drawer-sub a:hover{background:var(--bg-soft);color:var(--navy-700)}
.drawer-actions{display:grid;gap:12px;margin-top:26px}

/* ---------- 6. HERO ---------- */
.hero{position:relative;background:var(--navy-900);color:#C3D2E4;overflow:hidden;padding-block:clamp(52px,6.5vw,92px)}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(760px 420px at 78% 8%,rgba(201,162,39,.17),transparent 62%),
    radial-gradient(620px 460px at 8% 92%,rgba(44,111,181,.24),transparent 66%);
  pointer-events:none;
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.35;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:56px 56px;
  -webkit-mask-image:radial-gradient(circle at 50% 40%,#000,transparent 78%);
  mask-image:radial-gradient(circle at 50% 40%,#000,transparent 78%);
}
.hero .container{position:relative;z-index:2}
.hero h1{color:#fff;margin-bottom:20px}
.hero h1 .hl{
  background:linear-gradient(120deg,#E6CE8C,#C9A227);-webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;color:transparent;
}
.hero-sub{font-size:clamp(1.06rem,1.6vw,1.26rem);color:#A9BDD5;max-width:610px;margin-bottom:30px;line-height:1.62}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:clamp(34px,5vw,60px);align-items:center}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:26px}
.hero-badge{
  display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.07);
  border:1px solid rgba(255,255,255,.15);border-radius:var(--r-full);
  padding:7px 15px;font-size:.855rem;font-weight:600;color:#DCE6F2;font-family:var(--font-display);
}
.hero-badge svg{width:15px;height:15px;color:var(--gold-400)}
.hero-note{display:flex;align-items:flex-start;gap:9px;font-size:.87rem;color:#8FA6C2;margin-top:20px;max-width:520px}
.hero-note svg{width:16px;height:16px;flex-shrink:0;margin-top:3px;color:var(--gold-500)}

/* Trust strip */
.trust-strip{border-top:1px solid rgba(255,255,255,.1);margin-top:clamp(38px,5vw,58px);padding-top:clamp(26px,3vw,34px);position:relative;z-index:2}
.trust-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.tstat{text-align:center}
.tstat b{display:block;font-family:var(--font-display);font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:800;color:#fff;line-height:1.1}
.tstat span{display:block;font-size:.82rem;color:#8FA6C2;margin-top:5px;line-height:1.4}

/* ---------- 7. CARDS ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}
.card-hover:hover{transform:translateY(-4px);box-shadow:var(--sh-md);border-color:#D6E0EC}
.card h3{margin-bottom:10px}
.card p:last-child{margin-bottom:0}
.card-ico{
  width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:20px;
  background:linear-gradient(135deg,var(--gold-50),var(--gold-100));color:var(--gold-700);
  border:1px solid var(--gold-100);
}
.card-ico svg{width:25px;height:25px}
.card-ico.navy{background:linear-gradient(135deg,var(--blue-50),#DEEAF7);color:var(--navy-600);border-color:#D6E4F3}
.card-ico.green{background:var(--green-50);color:var(--green-600);border-color:#CFEBDF}

/* Product card */
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;height:100%;transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--sh-md);border-color:#D6E0EC}
.pcard .tag{display:inline-block;align-self:flex-start;font-size:.73rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-700);background:var(--gold-50);border:1px solid var(--gold-100);padding:4px 11px;border-radius:var(--r-full);margin-bottom:14px;font-family:var(--font-display)}
.pcard ul{list-style:none;padding:0;margin:16px 0 22px}
.pcard ul li{display:flex;gap:10px;font-size:.925rem;margin-bottom:9px;color:var(--body)}
.pcard ul li svg{width:17px;height:17px;flex-shrink:0;margin-top:3px;color:var(--green-500)}
.pcard .pfoot{margin-top:auto;padding-top:6px}
.pcard-link{display:inline-flex;align-items:center;gap:7px;font-family:var(--font-display);font-weight:700;font-size:.95rem;color:var(--navy-700)}
.pcard-link svg{width:15px;height:15px;transition:transform .18s ease}
.pcard:hover .pcard-link svg{transform:translateX(4px)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{position:relative;padding-top:8px}
.step-n{
  width:48px;height:48px;border-radius:50%;display:grid;place-items:center;
  font-family:var(--font-display);font-weight:800;font-size:1.15rem;
  background:var(--navy-800);color:var(--gold-400);margin-bottom:18px;position:relative;z-index:2;
  box-shadow:0 0 0 6px rgba(11,42,79,.06);
}
.step::before{content:"";position:absolute;top:32px;left:48px;right:-24px;height:2px;background:linear-gradient(90deg,var(--line),var(--line-soft));z-index:1}
.step:last-child::before{display:none}
.step h3{font-size:1.1rem;margin-bottom:8px}
.step p{font-size:.93rem;margin:0;color:var(--muted)}

/* Stat tiles */
.stat-tile{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:26px 22px;text-align:center}
.stat-tile b{display:block;font-family:var(--font-display);font-size:clamp(1.7rem,3vw,2.35rem);font-weight:800;color:var(--navy-800);line-height:1.05}
.stat-tile span{display:block;font-size:.87rem;color:var(--muted);margin-top:7px}

/* Bank grid */
.banks{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.bank{
  display:grid;place-items:center;text-align:center;min-height:76px;padding:14px 10px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  font-family:var(--font-display);font-weight:700;font-size:.88rem;color:var(--navy-800);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;line-height:1.3;
}
.bank:hover{transform:translateY(-3px);box-shadow:var(--sh-sm);border-color:#D6E0EC}

/* Check list */
.checks{list-style:none;padding:0;margin:0}
.checks li{display:flex;gap:12px;margin-bottom:14px;align-items:flex-start}
.checks li svg{width:21px;height:21px;flex-shrink:0;margin-top:2px;color:var(--green-500)}
.checks.gold li svg{color:var(--gold-600)}
.bg-navy .checks li{color:#C3D2E4}
.bg-navy .checks li svg{color:var(--gold-400)}

/* Callout */
.callout{
  background:var(--gold-50);border:1px solid var(--gold-100);border-left:4px solid var(--gold-500);
  border-radius:var(--r);padding:22px 26px;margin:28px 0;
}
.callout p:last-child{margin-bottom:0}
.callout.info{background:var(--blue-50);border-color:#D6E4F3;border-left-color:var(--blue-500)}
.callout.warn{background:var(--amber-50);border-color:#F6E4C0;border-left-color:#D9A227}
.callout-t{display:flex;align-items:center;gap:9px;font-family:var(--font-display);font-weight:700;color:var(--ink);margin-bottom:7px}
.callout-t svg{width:19px;height:19px;color:var(--gold-700)}

/* ---------- 8. ACCORDION (FAQ) ---------- */
.acc{border-top:1px solid var(--line)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-btn{
  width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:18px;
  background:none;border:0;padding:22px 4px;cursor:pointer;text-align:left;
  font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--ink);line-height:1.45;
  transition:color .18s ease;
}
.acc-btn:hover{color:var(--navy-600)}
.acc-ico{width:26px;height:26px;flex-shrink:0;border-radius:50%;background:var(--bg-soft);display:grid;place-items:center;margin-top:2px;transition:.22s}
.acc-ico svg{width:13px;height:13px;color:var(--navy-700);transition:transform .22s ease}
.acc-btn[aria-expanded="true"] .acc-ico{background:var(--gold-500)}
.acc-btn[aria-expanded="true"] .acc-ico svg{transform:rotate(180deg);color:var(--navy-950)}
.acc-panel{max-height:0;overflow:hidden;transition:max-height .3s ease}
.acc-inner{padding:0 40px 24px 4px;color:var(--body)}
.acc-inner p:last-child,.acc-inner ul:last-child{margin-bottom:0}

/* ---------- 9. FORMS ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(26px,3.4vw,40px);box-shadow:var(--sh-lg)}
.form-card h3{margin-bottom:6px}
.form-card .form-sub{font-size:.95rem;color:var(--muted);margin-bottom:24px}
.f-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.f-group{margin-bottom:16px}
.f-label{display:block;font-family:var(--font-display);font-size:.875rem;font-weight:650;color:var(--ink);margin-bottom:7px}
.f-label .req{color:var(--red-600);margin-left:2px}
.f-hint{font-size:.8rem;color:var(--muted);margin-top:5px;line-height:1.45}
.f-control{
  width:100%;font-family:var(--font-body);font-size:1rem;color:var(--ink);
  padding:13px 15px;border:1.5px solid var(--line);border-radius:var(--r);
  background:#fff;transition:border-color .18s ease,box-shadow .18s ease;appearance:none;
}
.f-control::placeholder{color:#9AA8BC}
.f-control:hover{border-color:#CFD9E6}
.f-control:focus{outline:none;border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(44,111,181,.13)}
select.f-control{
  background-image:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23626F87' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:16px;padding-right:42px;cursor:pointer;
}
textarea.f-control{min-height:110px;resize:vertical;line-height:1.6}
.f-control.invalid{border-color:var(--red-600);background:var(--red-50)}
.f-err{display:none;font-size:.82rem;color:var(--red-600);margin-top:5px;font-weight:500}
.f-err.show{display:block}
.f-check{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px;cursor:pointer}
.f-check input[type="checkbox"]{
  appearance:none;width:22px;height:22px;flex-shrink:0;margin:1px 0 0;border:1.5px solid #CFD9E6;
  border-radius:6px;background:#fff;cursor:pointer;transition:.16s;position:relative;
}
.f-check input[type="checkbox"]:hover{border-color:var(--blue-500)}
.f-check input[type="checkbox"]:checked{background:var(--navy-800);border-color:var(--navy-800)}
.f-check input[type="checkbox"]:checked::after{
  content:"";position:absolute;left:7px;top:3px;width:5px;height:10px;
  border:solid var(--gold-400);border-width:0 2.5px 2.5px 0;transform:rotate(45deg);
}
.f-check input[type="checkbox"].invalid{border-color:var(--red-600);background:var(--red-50)}
.f-check span{font-size:.855rem;line-height:1.55;color:var(--body)}
.f-check a{text-decoration:underline;color:var(--navy-600)}
.hp-field{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-status{display:none;padding:15px 18px;border-radius:var(--r);margin-bottom:18px;font-size:.93rem;line-height:1.55}
.form-status.show{display:block}
.form-status.ok{background:var(--green-50);border:1px solid #CFEBDF;color:var(--green-600)}
.form-status.err{background:var(--red-50);border:1px solid #F5CFCB;color:var(--red-600)}
.form-legal{font-size:.78rem;color:var(--muted);line-height:1.55;margin-top:16px}
.btn.is-loading{pointer-events:none;opacity:.75}
.btn.is-loading::before{
  content:"";width:16px;height:16px;border:2px solid rgba(5,22,43,.28);
  border-top-color:var(--navy-950);border-radius:50%;animation:spin .7s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}

/* ---------- 9b. FORMULAR ÎN PAȘI ---------- */
.wz-steps{
  display:grid;grid-template-columns:repeat(3,1fr);gap:6px;
  list-style:none;padding:0;margin:0 0 24px;counter-reset:none;
}
.wz-step{display:flex;align-items:center;gap:9px;margin:0;padding:0;min-width:0}
.wz-num{
  width:28px;height:28px;flex-shrink:0;border-radius:50%;display:grid;place-items:center;
  font-family:var(--font-display);font-size:.82rem;font-weight:750;
  background:var(--bg-soft);color:var(--muted);border:1.5px solid var(--line);transition:.22s;
}
.wz-lbl{
  font-family:var(--font-display);font-size:.8rem;font-weight:650;color:var(--muted);
  white-space:nowrap;overflow:hidden;text-overflow:ellipsis;transition:color .22s ease;
}
.wz-step.is-on .wz-num{background:var(--navy-800);color:var(--gold-400);border-color:var(--navy-800)}
.wz-step.is-on .wz-lbl{color:var(--ink)}
.wz-step.is-done .wz-num{background:var(--green-500);color:#fff;border-color:var(--green-500);font-size:0}
.wz-step.is-done .wz-num::after{content:"";width:5px;height:9px;border:solid #fff;border-width:0 2.5px 2.5px 0;transform:rotate(45deg) translate(-1px,-1px)}
.wz-step.is-done .wz-lbl{color:var(--body)}

.wz-panel{display:none;border:0;padding:0;margin:0;min-width:0}
.wz-panel.is-on{display:block;animation:wzIn .28s ease}
@keyframes wzIn{from{opacity:0;transform:translateX(10px)}to{opacity:1;transform:none}}
.wz-nav{display:flex;gap:12px;margin-top:20px}
.wz-nav .btn{flex:1}
.wz-nav .btn-outline{flex:0 0 auto;min-width:110px}
@media (max-width:680px){
  .wz-lbl{display:none}
  .wz-steps{grid-template-columns:repeat(3,auto);justify-content:center;gap:14px}
  .wz-nav{flex-direction:row}
  .wz-nav .btn{width:auto}
}

/* ---------- 10. CALCULATOR ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-lg);overflow:hidden}
.calc-tabs{display:flex;gap:2px;background:var(--bg-soft);border-bottom:1px solid var(--line);padding:7px;overflow-x:auto;scrollbar-width:thin}
.calc-tab{
  flex:1 0 auto;padding:11px 18px;border:0;background:transparent;border-radius:var(--r-sm);cursor:pointer;
  font-family:var(--font-display);font-size:.9rem;font-weight:650;color:var(--muted);
  white-space:nowrap;transition:.18s;
}
.calc-tab:hover{color:var(--navy-700);background:rgba(255,255,255,.7)}
.calc-tab[aria-selected="true"]{background:#fff;color:var(--navy-800);box-shadow:var(--sh-xs)}
.calc-panel{display:none;padding:clamp(22px,3vw,34px)}
.calc-panel.active{display:block}
.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:clamp(24px,3vw,38px);align-items:start}

/* Range slider */
.rng-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:9px}
.rng-head label{font-family:var(--font-display);font-size:.875rem;font-weight:650;color:var(--ink)}
.rng-val{display:flex;align-items:center;gap:5px}
.rng-num{
  width:118px;font-family:var(--font-display);font-size:1.02rem;font-weight:750;color:var(--navy-800);
  text-align:right;padding:6px 10px;border:1.5px solid var(--line);border-radius:var(--r-sm);background:#fff;
}
.rng-num:focus{outline:none;border-color:var(--blue-500);box-shadow:0 0 0 3px rgba(44,111,181,.13)}
.rng-unit{font-family:var(--font-display);font-size:.875rem;font-weight:650;color:var(--muted);min-width:26px}
.rng-wrap{margin-bottom:24px}
/* Sliderele au nevoie de o zona de atins suficient de mare pe telefon.
   Elementul input are 32px inaltime si fundal transparent, iar banda vizibila
   de 6px se deseneaza separat, pe pseudo-elementul de track. Astfel aspectul
   ramane identic, dar degetul are ce apuca. */
input[type="range"]{
  width:100%;height:32px;appearance:none;background:transparent;
  outline:none;cursor:pointer;margin:0;
}
input[type="range"]::-webkit-slider-runnable-track{
  height:6px;background:var(--line);border-radius:var(--r-full);
}
input[type="range"]::-moz-range-track{
  height:6px;background:var(--line);border-radius:var(--r-full);
}
input[type="range"]::-webkit-slider-thumb{
  appearance:none;width:24px;height:24px;border-radius:50%;cursor:pointer;
  margin-top:-9px;
  background:linear-gradient(135deg,#DCBB55,#C08F22);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,42,79,.28);
}
input[type="range"]::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;cursor:pointer;
  background:linear-gradient(135deg,#DCBB55,#C08F22);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,42,79,.28);
}
.rng-scale{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted)}
.seg{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:24px}
.seg-btn{
  padding:9px 15px;border:1.5px solid var(--line);background:#fff;border-radius:var(--r-full);cursor:pointer;
  font-family:var(--font-display);font-size:.855rem;font-weight:650;color:var(--body);transition:.16s;
}
.seg-btn:hover{border-color:#CFD9E6;background:var(--bg-soft)}
.seg-btn[aria-pressed="true"]{background:var(--navy-800);border-color:var(--navy-800);color:#fff}

/* Result panel */
.calc-out{background:var(--navy-900);border-radius:var(--r-lg);padding:28px;color:#C3D2E4;position:relative;overflow:hidden}
.calc-out::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(420px 260px at 88% 0%,rgba(201,162,39,.2),transparent 62%);
}
.calc-out > *{position:relative;z-index:2}
.calc-out .out-label{font-size:.82rem;color:#8FA6C2;text-transform:uppercase;letter-spacing:.1em;font-weight:700;font-family:var(--font-display)}
.calc-out .out-main{
  font-family:var(--font-display);font-size:clamp(2.1rem,4vw,2.9rem);font-weight:800;color:#fff;
  line-height:1.05;margin:8px 0 4px;letter-spacing:-.02em;
}
.calc-out .out-main small{font-size:1.1rem;font-weight:700;color:var(--gold-400);margin-left:4px}
.calc-out .out-sub{font-size:.87rem;color:#8FA6C2;margin-bottom:22px}
.out-rows{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-bottom:22px}
.out-row{display:flex;align-items:baseline;justify-content:space-between;gap:14px;padding:9px 0;font-size:.9rem}
.out-row + .out-row{border-top:1px solid rgba(255,255,255,.07)}
.out-row span{color:#8FA6C2}
.out-row b{font-family:var(--font-display);font-weight:750;color:#fff;text-align:right;white-space:nowrap}
.out-row.hi b{color:var(--gold-400);font-size:1.05rem}
.out-note{font-size:.76rem;color:#7B93B2;line-height:1.55;margin-top:16px}

/* Gauge (grad de îndatorare) */
.gauge{margin:18px 0 6px}
.gauge-bar{height:12px;border-radius:var(--r-full);background:rgba(255,255,255,.13);overflow:hidden;position:relative}
.gauge-fill{height:100%;border-radius:var(--r-full);transition:width .45s cubic-bezier(.4,0,.2,1),background .3s ease;width:0}
.gauge-fill.ok{background:linear-gradient(90deg,#1E9E6A,#37C08A)}
.gauge-fill.warn{background:linear-gradient(90deg,#D9A227,#E8C05A)}
.gauge-fill.bad{background:linear-gradient(90deg,#C0392B,#E05C4C)}
.gauge-legend{display:flex;justify-content:space-between;font-size:.75rem;color:#8FA6C2;margin-top:7px}

/* Amortization chart + table */
.chart-wrap{margin-top:34px;border-top:1px solid var(--line);padding-top:30px}
.chart-svg{width:100%;height:auto;overflow:visible}
.chart-legend{display:flex;flex-wrap:wrap;gap:20px;justify-content:center;margin-top:14px;font-size:.85rem}
.chart-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:7px;vertical-align:-1px}
.tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:20px;border:1px solid var(--line);border-radius:var(--r)}
table.tbl{width:100%;border-collapse:collapse;font-size:.88rem;min-width:560px}
table.tbl th,table.tbl td{padding:11px 14px;text-align:right;border-bottom:1px solid var(--line-soft)}
table.tbl th:first-child,table.tbl td:first-child{text-align:left}
table.tbl thead th{background:var(--bg-soft);font-family:var(--font-display);font-weight:700;color:var(--ink);font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;position:sticky;top:0}
table.tbl tbody tr:hover{background:var(--bg-soft)}
table.tbl tbody tr:last-child td{border-bottom:0}
.tbl-toggle{text-align:center;margin-top:16px}

/* Representative example box */
.repex{
  background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r-md);
  padding:20px 24px;margin-top:26px;font-size:.855rem;line-height:1.65;color:var(--muted);
}
.repex b{display:block;font-family:var(--font-display);color:var(--ink);margin-bottom:6px;font-size:.9rem}

/* ---------- 11. FLOATING ACTIONS ---------- */
.fab-wrap{position:fixed;right:18px;bottom:18px;z-index:850;display:flex;flex-direction:column;gap:11px}
.fab{
  width:56px;height:56px;border-radius:50%;display:grid;place-items:center;
  box-shadow:0 6px 20px rgba(11,42,79,.28);transition:transform .2s ease,box-shadow .2s ease;position:relative;
}
.fab:hover{transform:scale(1.07)}
.fab svg{width:28px;height:28px}
.fab-wa{background:#25D366;color:#fff}
.fab-wa:hover{color:#fff}
.fab-tel{background:var(--navy-800);color:#fff}
.fab-tel:hover{color:#fff}
.fab-tel svg{width:24px;height:24px}
.fab::after{
  content:attr(data-label);position:absolute;right:calc(100% + 12px);top:50%;transform:translateY(-50%) translateX(6px);
  background:var(--navy-900);color:#fff;font-size:.8rem;font-weight:600;font-family:var(--font-display);
  padding:7px 13px;border-radius:var(--r-sm);white-space:nowrap;opacity:0;pointer-events:none;transition:.2s;
}
.fab:hover::after{opacity:1;transform:translateY(-50%) translateX(0)}

/* ---------- 11b. BARA FIXĂ DE CONTACT (doar mobil) ---------- */
.mbar{display:none}
@media (max-width:680px){
  .mbar{
    display:grid;grid-template-columns:1fr 1fr;gap:1px;
    position:fixed;left:0;right:0;bottom:0;z-index:860;
    background:rgba(255,255,255,.14);
    box-shadow:0 -6px 20px rgba(5,22,43,.18);
    padding-bottom:env(safe-area-inset-bottom,0);
  }
  .mbar-btn{
    display:flex;align-items:center;justify-content:center;gap:9px;
    padding:16px 10px;font-family:var(--font-display);font-weight:750;font-size:1rem;
    color:#fff;text-decoration:none;
  }
  .mbar-btn:hover,.mbar-btn:active{color:#fff}
  .mbar-btn svg{width:20px;height:20px;flex-shrink:0}
  .mbar-tel{background:var(--navy-800)}
  .mbar-wa{background:#25D366}
  /* Butoanele rotunde ar suprapune bara — pe mobil rămâne doar bara */
  .fab-wrap{display:none}
  /* Spațiu ca bara să nu acopere subsolul */
  body{padding-bottom:64px}
  .cookie{bottom:74px}
}

/* ---------- 12. COOKIE BANNER ---------- */
.cookie{
  position:fixed;left:18px;right:18px;bottom:18px;z-index:960;max-width:560px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);
  padding:24px 26px;display:none;
}
.cookie.show{display:block;animation:slideUp .35s cubic-bezier(.4,0,.2,1)}
@keyframes slideUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.cookie h4{margin-bottom:8px;font-size:1.05rem}
.cookie p{font-size:.865rem;line-height:1.6;margin-bottom:16px;color:var(--body)}
.cookie-actions{display:flex;flex-wrap:wrap;gap:10px}
.cookie-actions .btn{flex:1 1 auto;padding:13px 20px;font-size:.9rem}
.cookie-prefs{border-top:1px solid var(--line);margin-top:18px;padding-top:16px;display:none}
.cookie-prefs.show{display:block}
.ck-opt{display:flex;gap:12px;align-items:flex-start;padding:11px 0}
.ck-opt + .ck-opt{border-top:1px solid var(--line-soft)}
.ck-opt-txt b{display:block;font-family:var(--font-display);font-size:.9rem;color:var(--ink)}
.ck-opt-txt span{font-size:.8rem;color:var(--muted);line-height:1.5}
.switch{position:relative;width:44px;height:25px;flex-shrink:0;margin-top:2px}
.switch input{opacity:0;width:0;height:0}
.switch i{position:absolute;inset:0;background:#CFD9E6;border-radius:var(--r-full);cursor:pointer;transition:.22s}
.switch i::before{content:"";position:absolute;width:19px;height:19px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.22s;box-shadow:0 1px 3px rgba(0,0,0,.2)}
.switch input:checked + i{background:var(--green-500)}
.switch input:checked + i::before{transform:translateX(19px)}
.switch input:disabled + i{opacity:.5;cursor:not-allowed}
.cookie-link{background:none;border:0;padding:0;font:inherit;font-size:.82rem;color:var(--muted);text-decoration:underline;cursor:pointer}

/* ---------- 13. FOOTER ---------- */
.footer{background:var(--navy-950);color:#8FA6C2;padding-top:clamp(48px,6vw,76px);font-size:.925rem}
.footer a{color:#A9BDD5}
.footer a:hover{color:var(--gold-400)}
.f-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.25fr;gap:clamp(28px,4vw,48px);padding-bottom:44px}
.f-brand img{height:46px;width:auto;margin-bottom:18px}
.f-brand p{font-size:.885rem;line-height:1.7;max-width:330px;color:#8FA6C2}
.f-copy{display:inline-flex;align-items:center;flex-wrap:wrap;gap:8px}
.f-copy-sep{opacity:.45}
.f-copy-if{height:19px;width:auto;display:block;opacity:.95}
.f-copy-rez{opacity:.75}

.f-col h5{font-family:var(--font-display);font-size:.8rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:#fff;margin-bottom:18px}
.f-col ul{list-style:none;padding:0;margin:0}
.f-col li{margin-bottom:11px}
.f-col a{font-size:.9rem}
.f-contact li{display:flex;gap:11px;align-items:flex-start;margin-bottom:14px;font-size:.9rem;line-height:1.55}
.f-contact svg{width:17px;height:17px;flex-shrink:0;margin-top:3px;color:var(--gold-500)}
.f-social{display:flex;gap:10px;margin-top:20px}
.f-social a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:grid;place-items:center;transition:.2s}
.f-social a:hover{background:rgba(201,162,39,.16);border-color:rgba(201,162,39,.4);transform:translateY(-2px)}
.f-social svg{width:17px;height:17px}
.f-legal{border-top:1px solid rgba(255,255,255,.09);padding:26px 0;font-size:.79rem;line-height:1.7;color:#7B93B2}
.f-legal p{margin-bottom:12px}
.f-legal p:last-child{margin-bottom:0}
.f-badges{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:18px 0}
.f-badge{
  display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r-sm);padding:9px 14px;
  font-size:.78rem;font-weight:600;color:#A9BDD5;font-family:var(--font-display);transition:.2s;
}
.f-badge:hover{background:rgba(255,255,255,.1);color:#fff}
.f-bottom{border-top:1px solid rgba(255,255,255,.09);padding:20px 0 26px;display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;align-items:center;font-size:.8rem}
.f-bottom-links{display:flex;flex-wrap:wrap;gap:20px}
/* Subsolul are fundal inchis. Regula globala "strong{color:var(--ink)}" ar face
   textul aproape negru pe bleumarin, deci ilizibil. Aici mostenim culoarea
   parintelui; elementele cu o culoare scrisa direct in atributul style raman
   neatinse, pentru ca stilul inline are prioritate. */
.footer strong{color:inherit}
.footer .cookie-link{color:inherit}

/* ---------- 14. PAGE HEADER / BREADCRUMB ---------- */
.page-head{background:var(--navy-900);color:#A9BDD5;padding-block:clamp(38px,4.5vw,60px);position:relative;overflow:hidden}
.page-head::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(680px 340px at 82% 12%,rgba(201,162,39,.15),transparent 62%),radial-gradient(520px 380px at 4% 96%,rgba(44,111,181,.2),transparent 66%);
}
.page-head .container{position:relative;z-index:2}
.page-head h1{color:#fff;max-width:840px;margin-bottom:14px}
/* Antetul de pagina are fundal inchis: textul introductiv si accentuarile din
   el mostenesc culoarea deschisa a antetului, nu culorile pentru fundal alb. */
.page-head .lead{max-width:720px;margin-bottom:0;color:inherit}
.page-head strong,.page-head b{color:#fff}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.82rem;margin-bottom:18px;color:#7B93B2}
.crumbs a{color:#A9BDD5}
.crumbs a:hover{color:var(--gold-400)}
.crumbs svg{width:13px;height:13px;opacity:.5}
.crumbs [aria-current]{color:var(--gold-400)}

/* ---------- 15. PROSE (articole) ---------- */
.prose{font-size:1.06rem;line-height:1.78;color:var(--body)}
.prose > h2{margin-top:2.2em;margin-bottom:.6em;font-size:clamp(1.45rem,2.4vw,1.95rem);scroll-margin-top:100px}
.prose > h3{margin-top:1.7em;margin-bottom:.5em;scroll-margin-top:100px}
.prose > h2:first-child,.prose > h3:first-child{margin-top:0}
.prose ul,.prose ol{margin-bottom:1.4em}
.prose li{margin-bottom:.6em}
.prose li::marker{color:var(--gold-600)}
.prose a{text-decoration:underline;text-underline-offset:3px}
.prose img{border-radius:var(--r-md);margin:2em 0}
.prose blockquote{
  margin:2em 0;padding:4px 0 4px 26px;border-left:4px solid var(--gold-500);
  font-size:1.1rem;line-height:1.68;color:var(--ink);font-style:italic;
}
.prose table{width:100%;border-collapse:collapse;margin:1.8em 0;font-size:.93rem}
.prose table th,.prose table td{padding:12px 15px;border:1px solid var(--line);text-align:left}
.prose table th{background:var(--bg-soft);font-family:var(--font-display);font-weight:700;color:var(--ink)}
.toc{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r-md);padding:24px 28px;margin-bottom:36px}
.toc h4{font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.toc ol{margin:0;padding-left:1.2em;font-size:.95rem}
.toc li{margin-bottom:8px}
.article-meta{display:flex;flex-wrap:wrap;gap:18px;align-items:center;font-size:.85rem;color:var(--muted);margin-bottom:6px}
.article-meta span{display:inline-flex;align-items:center;gap:7px}
.article-meta svg{width:15px;height:15px;color:var(--gold-600)}

/* Guide card */
.gcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;height:100%;transition:transform .22s ease,box-shadow .22s ease}
.gcard:hover{transform:translateY(-4px);box-shadow:var(--sh-md)}
.gcard-top{height:8px;background:linear-gradient(90deg,var(--gold-500),var(--navy-700))}
.gcard-body{padding:28px;display:flex;flex-direction:column;flex:1}
.gcard .cat{font-size:.73rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-700);margin-bottom:10px;font-family:var(--font-display)}
.gcard h3{font-size:1.16rem;margin-bottom:10px;line-height:1.35}
.gcard p{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.gcard .gfoot{margin-top:auto}

/* ---------- 16. CTA BAND ---------- */
.cta-band{background:var(--navy-900);color:#C3D2E4;position:relative;overflow:hidden}
.cta-band::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(700px 400px at 20% 0%,rgba(201,162,39,.18),transparent 60%),radial-gradient(600px 400px at 92% 100%,rgba(44,111,181,.24),transparent 62%);
}
.cta-band .container{position:relative;z-index:2}
.cta-inner{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.65fr);gap:clamp(28px,4vw,54px);align-items:center}
.cta-inner h2{color:#fff;margin-bottom:12px}
.cta-inner p{color:#A9BDD5;margin-bottom:0;font-size:1.06rem}

/* ---------- 17. UTILITIES ---------- */
.center{text-align:center}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.mt-1{margin-top:10px}.mt-2{margin-top:20px}.mt-3{margin-top:32px}.mt-4{margin-top:44px}
.mb-1{margin-bottom:10px}.mb-2{margin-bottom:20px}.mb-3{margin-bottom:32px}.mb-4{margin-bottom:44px}
.muted{color:var(--muted)}
.small{font-size:.875rem}
.xsmall{font-size:.78rem;line-height:1.6}
.nowrap{white-space:nowrap}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:-9999px;top:0;z-index:999;background:var(--navy-900);color:#fff;padding:12px 20px;border-radius:0 0 var(--r) 0}
.skip-link:focus{left:0;color:#fff}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s cubic-bezier(.4,0,.2,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- 18. RESPONSIVE ---------- */
/* Pe ecrane de latime medie, antetul (logo cu slogan + meniu + telefon + buton)
   devine prea lat. Strangem putin elementele, in loc sa iasa din pagina. */
@media (max-width:1400px){
  .brand-full{height:40px}
  .cobrand{gap:12px}
  .cobrand-if img{height:26px}
  .cobrand-sep{height:28px}
  .nav{gap:2px}
  .nav-link{padding:10px 8px;font-size:.9rem}
  .header-phone{padding:9px 10px;font-size:.9rem}
  .header-inner{gap:14px}
}

/* Sub aceasta latime nu mai incap si meniul, si telefonul, si butonul.
   Telefonul ramane accesibil prin butonul flotant. */
@media (max-width:1240px){
  .header-phone{display:none}
}

@media (max-width:1080px){
  .banks{grid-template-columns:repeat(4,1fr)}
  .calc-grid{grid-template-columns:minmax(0,1fr)}
  .f-top{grid-template-columns:1fr 1fr;gap:36px}
}
@media (max-width:960px){
  :root{--header-h:68px}
  .nav{display:none}
  .header-phone{display:none}
  .burger{display:flex}
  /* meniul fiind ascuns, nu mai impinge nimic spre dreapta:
     o facem explicit, ca butonul de meniu sa stea la marginea din dreapta */
  .header-cta{margin-left:auto}
  .header-cta .btn{display:none}
  .hero-grid,.split,.cta-inner{grid-template-columns:minmax(0,1fr)}
  .cta-inner{text-align:center}
  .cta-inner .btn-group{justify-content:center}
  .steps{grid-template-columns:repeat(2,1fr);gap:30px}
  .step::before{display:none}
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .brand-full{height:40px}
  .cobrand{gap:12px}
  .cobrand-if img{height:26px}
  .cobrand-sep{height:28px}
}
@media (max-width:680px){
  body{font-size:16px}
  /* pe ecrane inguste, textul butoanelor se poate rupe pe doua randuri
     in loc sa forteze latimea paginii */
  .btn{white-space:normal}
  /* tabelele din articole se deruleaza lateral in loc sa latasca pagina */
  .prose table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .prose table th,.prose table td{padding:10px 12px}
  /* Hero pe telefon: scoatem ce se repetă mai jos, ca formularul să urce spre început */
  .hero-badges{display:none}
  .hero-note{display:none}
  .hero-sub{margin-bottom:22px;font-size:1rem}
  .hero{padding-block:34px 44px}
  .hero-grid{gap:26px}
  .g2,.g3,.g4{grid-template-columns:minmax(0,1fr)}
  .steps{grid-template-columns:1fr}
  .trust-stats{grid-template-columns:repeat(2,1fr);gap:26px}
  .banks{grid-template-columns:repeat(2,1fr)}
  .f-row{grid-template-columns:minmax(0,1fr)}
  .f-top{grid-template-columns:1fr;gap:34px}
  .card,.pcard{padding:24px}
  .cookie{left:10px;right:10px;bottom:10px;padding:20px}
  .cookie-actions{flex-direction:column}
  .fab-wrap{right:12px;bottom:12px}
  .fab{width:52px;height:52px}
  .fab::after{display:none}
  .acc-inner{padding-right:8px}
  .btn{width:100%}
  .btn-group{flex-direction:column}
  .header-cta .btn{width:auto}
  .f-bottom{flex-direction:column;text-align:center}
  .f-bottom-links{justify-content:center;gap:14px}
  .rng-num{width:100px}
  .brand-full{display:none}
  .cobrand{gap:7px}
  .cobrand-if img{height:19px}
  .cobrand-sep{height:22px}
  .f-copy-if{height:17px}
  /* logo-ul isi pastreaza inaltimea, dar se poate ingusta daca nu incape,
     fara sa se deformeze (object-fit pastreaza proportiile) */
  .brand{flex-shrink:1;min-width:0}
  .brand-mic{display:block;height:22px;width:auto;max-width:100%;object-fit:contain;object-position:left center}
  .f-brand img{height:40px}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}
@media print{
  .header,.drawer,.fab-wrap,.cookie,.cta-band,.footer .f-social{display:none!important}
  body{font-size:12pt}
  .hero,.page-head{background:#fff!important;color:#000!important}
  .hero h1,.page-head h1{color:#000!important}
}