/* ============================================
           CSS CUSTOM PROPERTIES
           ============================================ */
        :root {
            --navy: #0F1B2D;
            --navy-light: #162236;
            --navy-mid: #1C2D44;
            --teal: #2EC4B6;
            --teal-dark: #25A99D;
            --teal-glow: rgba(46, 196, 182, 0.15);
            --gold: #E8B931;
            --gold-soft: rgba(232, 185, 49, 0.1);
            --white: #FFFFFF;
            --off-white: #F4F6F9;
            --gray-100: #E8ECF1;
            --gray-200: #CDD4DE;
            --gray-400: #8896A7;
            --gray-600: #5A6B80;
            --gray-800: #2D3E52;
            --success: #34D399;
            --error: #EF4444;
            --font-display: 'Fraunces', Georgia, serif;
            --font-body: 'DM Sans', -apple-system, sans-serif;
            --shadow-sm: 0 1px 3px rgba(15,27,45,0.08);
            --shadow-md: 0 4px 20px rgba(15,27,45,0.1);
            --shadow-lg: 0 8px 40px rgba(15,27,45,0.12);
            --shadow-glow: 0 0 40px rgba(46,196,182,0.2);
            --radius-sm: 8px;
            --radius-md: 14px;
            --radius-lg: 20px;
            --radius-xl: 28px;
        }

        /* ============================================
           RESET & BASE
           ============================================ */
        *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
        
        html { scroll-behavior: smooth; font-size: 16px; }
        
        body {
            font-family: var(--font-body);
            color: var(--gray-800);
            line-height: 1.7;
            background: var(--white);
            -webkit-font-smoothing: antialiased;
            overflow-x: hidden;
        }

        img { max-width: 100%; height: auto; display: block; }
        a { color: inherit; text-decoration: none; }
        button { cursor: pointer; border: none; background: none; font-family: inherit; }

        /* ============================================
           TYPOGRAPHY
           ============================================ */
        h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 500; line-height: 1.2; color: var(--navy); }
        h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); letter-spacing: -0.02em; }
        h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -0.015em; }
        h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
        p { font-size: 1.05rem; color: var(--gray-600); }

        .section-label {
            display: inline-flex; align-items: center; gap: 8px;
            font-size: 0.8rem; font-weight: 600; letter-spacing: 0.1em;
            text-transform: uppercase; color: var(--teal);
            margin-bottom: 16px;
        }
        .section-label::before {
            content: ''; width: 24px; height: 2px;
            background: var(--teal); border-radius: 1px;
        }

        /* ============================================
           LAYOUT
           ============================================ */
        .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
        .section { padding: 100px 0; }
        .section--dark { background: var(--navy); }
        .section--light { background: var(--off-white); }

        /* ============================================
           NAVBAR
           ============================================ */
        .navbar {
            position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
            padding: 16px 0;
            background: rgba(15, 27, 45, 0.85);
            backdrop-filter: blur(20px);
            -webkit-backdrop-filter: blur(20px);
            border-bottom: 1px solid rgba(255,255,255,0.06);
            transition: all 0.3s ease;
        }
        .navbar.scrolled { padding: 10px 0; background: rgba(15, 27, 45, 0.96); }
        .navbar .container { display: flex; align-items: center; justify-content: space-between; }
        
        .nav-logo {
            font-family: var(--font-display); font-size: 1.6rem; font-weight: 700;
            color: var(--white); letter-spacing: -0.02em;
        }
        .nav-logo span { color: var(--teal); }

        .nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
        .nav-links a {
            font-size: 0.9rem; font-weight: 500; color: rgba(255,255,255,0.7);
            transition: color 0.2s ease; position: relative;
        }
        .nav-links a:hover { color: var(--white); }
        .nav-links a::after {
            content: ''; position: absolute; bottom: -4px; left: 0;
            width: 0; height: 2px; background: var(--teal);
            transition: width 0.25s ease;
        }
        .nav-links a:hover::after { width: 100%; }

        .nav-cta {
            display: inline-flex; align-items: center; gap: 8px;
            padding: 10px 22px; background: var(--teal); color: var(--navy) !important;
            font-weight: 600; border-radius: 50px;
            transition: all 0.25s ease;
        }
        .nav-cta:hover { background: var(--teal-dark); transform: translateY(-1px); }
        .nav-cta::after { display: none !important; }

        .nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
        .nav-toggle span { width: 24px; height: 2px; background: var(--white); transition: 0.3s; border-radius: 1px; }

        /* ============================================
           HERO
           ============================================ */
        .hero {
            position: relative; min-height: 100vh;
            display: flex; align-items: center;
            background: var(--navy);
            overflow: hidden;
        }
        .hero::before {
            content: ''; position: absolute; inset: 0;
            background: 
                radial-gradient(ellipse 60% 50% at 70% 50%, rgba(46,196,182,0.08) 0%, transparent 70%),
                radial-gradient(ellipse 40% 60% at 20% 80%, rgba(232,185,49,0.04) 0%, transparent 60%);
        }
        .hero-grid-lines {
            position: absolute; inset: 0; overflow: hidden; opacity: 0.04;
        }
        .hero-grid-lines::before {
            content: ''; position: absolute; inset: -50%;
            background-image: 
                linear-gradient(rgba(255,255,255,0.3) 1px, transparent 1px),
                linear-gradient(90deg, rgba(255,255,255,0.3) 1px, transparent 1px);
            background-size: 80px 80px;
            transform: rotate(-12deg);
        }

        .hero-content { position: relative; z-index: 2; max-width: 680px; }
        .hero h1 { color: var(--white); margin-bottom: 24px; }
        .hero h1 em { font-style: italic; color: var(--teal); }
        .hero p { font-size: 1.2rem; color: rgba(255,255,255,0.65); margin-bottom: 40px; line-height: 1.8; }

        .hero-badges {
            display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 36px;
        }
        .hero-badge {
            display: inline-flex; align-items: center; gap: 8px;
            padding: 8px 16px;
            background: rgba(255,255,255,0.06);
            border: 1px solid rgba(255,255,255,0.08);
            border-radius: 50px;
            font-size: 0.85rem; color: rgba(255,255,255,0.8);
        }
        .hero-badge svg { width: 16px; height: 16px; color: var(--teal); flex-shrink: 0; }

        .hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
        
        .btn {
            display: inline-flex; align-items: center; gap: 8px;
            padding: 15px 30px; font-size: 1rem; font-weight: 600;
            border-radius: 50px; transition: all 0.3s ease;
        }
        .btn-primary {
            background: var(--teal); color: var(--navy);
            box-shadow: 0 4px 20px rgba(46,196,182,0.3);
        }
        .btn-primary:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 6px 30px rgba(46,196,182,0.4); }
        
        .btn-outline {
            border: 1.5px solid rgba(255,255,255,0.2);
            color: var(--white); background: rgba(255,255,255,0.04);
        }
        .btn-outline:hover { border-color: var(--teal); color: var(--teal); background: rgba(46,196,182,0.05); }

        .btn-dark {
            background: var(--navy); color: var(--white);
        }
        .btn-dark:hover { background: var(--navy-light); transform: translateY(-2px); }

        .hero-stats {
            position: absolute; right: 24px; bottom: 100px;
            display: flex; flex-direction: column; gap: 24px; z-index: 2;
        }
        .hero-stat {
            text-align: right; padding: 16px 20px;
            background: rgba(255,255,255,0.04);
            border-right: 2px solid var(--teal);
            border-radius: var(--radius-sm) 0 0 var(--radius-sm);
        }
        .hero-stat-number { font-family: var(--font-display); font-size: 2rem; font-weight: 700; color: var(--teal); }
        .hero-stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); }

        /* ============================================
           TRUST BAR
           ============================================ */
        .trust-bar {
            padding: 40px 0;
            background: var(--white);
            border-bottom: 1px solid var(--gray-100);
        }
        .trust-bar p {
            text-align: center; font-size: 0.8rem; font-weight: 600;
            letter-spacing: 0.08em; text-transform: uppercase;
            color: var(--gray-400); margin-bottom: 24px;
        }
        .trust-logos {
            display: flex; align-items: center; justify-content: center;
            flex-wrap: wrap; gap: 32px;
        }
        .trust-logos .bank-logo {
            height: 36px; opacity: 0.45; filter: grayscale(1);
            transition: all 0.3s ease; font-family: var(--font-body);
            font-weight: 700; font-size: 0.85rem; color: var(--gray-400);
            display: flex; align-items: center; gap: 6px;
        }
        .trust-logos .bank-logo:hover { opacity: 0.8; filter: grayscale(0); }

        /* ============================================
           SERVICES
           ============================================ */
        .services-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 24px; margin-top: 48px;
        }
        .service-card {
            position: relative; padding: 36px 28px;
            background: var(--white);
            border: 1px solid var(--gray-100);
            border-radius: var(--radius-lg);
            transition: all 0.35s ease;
            overflow: hidden;
        }
        .service-card::before {
            content: ''; position: absolute; top: 0; left: 0; right: 0;
            height: 3px; background: var(--teal);
            transform: scaleX(0); transform-origin: left;
            transition: transform 0.35s ease;
        }
        .service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
        .service-card:hover::before { transform: scaleX(1); }
        
        .service-icon {
            width: 52px; height: 52px; display: flex; align-items: center; justify-content: center;
            background: var(--teal-glow); border-radius: var(--radius-md);
            margin-bottom: 20px; color: var(--teal);
        }
        .service-card h3 { margin-bottom: 12px; }
        .service-card p { font-size: 0.95rem; margin-bottom: 20px; }
        .service-link {
            display: inline-flex; align-items: center; gap: 6px;
            font-size: 0.9rem; font-weight: 600; color: var(--teal);
        }
        .service-link svg { transition: transform 0.2s ease; }
        .service-card:hover .service-link svg { transform: translateX(4px); }

        /* ============================================
           CALCULATOR SECTION
           ============================================ */
        .calc-wrapper {
            display: grid; grid-template-columns: 1fr 1fr;
            gap: 0; background: var(--white);
            border-radius: var(--radius-xl); overflow: hidden;
            box-shadow: var(--shadow-lg);
            border: 1px solid var(--gray-100);
        }
        .calc-inputs { padding: 48px; }
        .calc-results {
            padding: 48px;
            background: var(--navy);
            color: var(--white);
            display: flex; flex-direction: column; justify-content: center;
        }

        .calc-tabs {
            display: flex; gap: 4px; margin-bottom: 32px;
            background: var(--off-white); border-radius: 50px; padding: 4px;
        }
        .calc-tab {
            flex: 1; padding: 10px 16px; text-align: center;
            font-size: 0.85rem; font-weight: 600; color: var(--gray-600);
            border-radius: 50px; transition: all 0.25s ease;
        }
        .calc-tab.active { background: var(--teal); color: var(--navy); }
        .calc-tab:hover:not(.active) { color: var(--navy); }

        .form-group { margin-bottom: 22px; }
        .form-group label {
            display: block; font-size: 0.85rem; font-weight: 600;
            color: var(--gray-800); margin-bottom: 8px;
        }
        .form-group input[type="range"] {
            width: 100%; height: 6px; -webkit-appearance: none;
            background: var(--gray-100); border-radius: 3px;
            outline: none; margin-top: 4px;
        }
        .form-group input[type="range"]::-webkit-slider-thumb {
            -webkit-appearance: none; width: 22px; height: 22px;
            background: var(--teal); border-radius: 50%; cursor: pointer;
            box-shadow: 0 2px 8px rgba(46,196,182,0.4);
        }
        .form-group input[type="number"],
        .form-group input[type="text"],
        .form-group input[type="email"],
        .form-group input[type="tel"],
        .form-group select,
        .form-group textarea {
            width: 100%; padding: 12px 16px;
            font-family: var(--font-body); font-size: 1rem;
            border: 1.5px solid var(--gray-200);
            border-radius: var(--radius-sm);
            background: var(--white);
            transition: border-color 0.2s ease;
            color: var(--gray-800);
        }
        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none; border-color: var(--teal);
            box-shadow: 0 0 0 3px rgba(46,196,182,0.1);
        }
        .form-group textarea { resize: vertical; min-height: 100px; }

        .range-value {
            display: flex; justify-content: space-between; align-items: baseline;
            margin-bottom: 4px;
        }
        .range-value span {
            font-family: var(--font-display); font-size: 1.3rem;
            font-weight: 700; color: var(--navy);
        }

        .toggle-row {
            display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 12px;
        }
        .toggle-chip {
            padding: 8px 16px; font-size: 0.82rem; font-weight: 500;
            border: 1.5px solid var(--gray-200); border-radius: 50px;
            color: var(--gray-600); transition: all 0.2s ease;
        }
        .toggle-chip.active {
            border-color: var(--teal); background: var(--teal-glow); color: var(--teal-dark);
        }

        .result-item {
            display: flex; justify-content: space-between; align-items: center;
            padding: 16px 0;
            border-bottom: 1px solid rgba(255,255,255,0.08);
        }
        .result-item:last-child { border-bottom: none; }
        .result-label { font-size: 0.9rem; color: rgba(255,255,255,0.6); }
        .result-value { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; }
        .result-value.highlight { color: var(--teal); font-size: 1.8rem; }

        .result-cta { margin-top: 32px; }

        /* ============================================
           PROCESS STEPS
           ============================================ */
        .steps-grid {
            display: grid; grid-template-columns: repeat(4, 1fr);
            gap: 24px; margin-top: 48px; counter-reset: step;
        }
        .step-card {
            position: relative; padding: 32px 24px 24px;
            text-align: center;
        }
        .step-number {
            width: 48px; height: 48px; display: flex; align-items: center; justify-content: center;
            margin: 0 auto 20px;
            font-family: var(--font-display); font-size: 1.2rem; font-weight: 700;
            background: var(--teal-glow); color: var(--teal);
            border-radius: 50%; border: 2px solid var(--teal);
        }
        .step-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
        .step-card p { font-size: 0.9rem; }
        .step-connector {
            position: absolute; top: 48px; right: -12px;
            width: 24px; height: 2px; background: var(--gray-200);
        }
        .step-card:last-child .step-connector { display: none; }

        /* ============================================
           TESTIMONIALS
           ============================================ */
        .testimonials-grid {
            display: grid; grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
            gap: 24px; margin-top: 48px;
        }
        .testimonial-card {
            padding: 32px; background: var(--white);
            border-radius: var(--radius-lg);
            border: 1px solid var(--gray-100);
            transition: box-shadow 0.3s ease;
        }
        .testimonial-card:hover { box-shadow: var(--shadow-md); }
        .testimonial-stars { color: var(--gold); margin-bottom: 16px; font-size: 1.1rem; letter-spacing: 2px; }
        .testimonial-text { font-size: 0.95rem; font-style: italic; color: var(--gray-600); margin-bottom: 20px; line-height: 1.7; }
        .testimonial-author { display: flex; align-items: center; gap: 12px; }
        .testimonial-avatar {
            width: 44px; height: 44px; border-radius: 50%;
            background: var(--teal-glow); display: flex; align-items: center; justify-content: center;
            font-weight: 700; color: var(--teal); font-size: 1rem;
        }
        .testimonial-name { font-weight: 600; font-size: 0.95rem; color: var(--navy); }
        .testimonial-role { font-size: 0.8rem; color: var(--gray-400); }

        /* ============================================
           CONTACT SECTION
           ============================================ */
        .contact-grid {
            display: grid; grid-template-columns: 1fr 1.2fr;
            gap: 48px; margin-top: 48px;
        }
        .contact-info { display: flex; flex-direction: column; gap: 24px; }
        .contact-item {
            display: flex; align-items: flex-start; gap: 16px;
            padding: 20px; background: rgba(255,255,255,0.05);
            border-radius: var(--radius-md);
            border: 1px solid rgba(255,255,255,0.08);
        }
        .contact-item svg { flex-shrink: 0; color: var(--teal); }
        .contact-item-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
        .contact-item-value { color: var(--white); font-weight: 500; }
        .contact-item-value a { color: var(--teal); }
        .contact-item-value a:hover { text-decoration: underline; }

        .contact-form {
            padding: 40px; background: var(--white);
            border-radius: var(--radius-xl);
        }
        .contact-form h3 { margin-bottom: 24px; }
        .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

        .form-submit {
            width: 100%; margin-top: 8px;
        }

        .form-notice {
            font-size: 0.78rem; color: var(--gray-400);
            margin-top: 12px; line-height: 1.5;
        }
        .form-notice a { color: var(--teal); text-decoration: underline; }

        /* ============================================
           FAQ
           ============================================ */
        .faq-list { max-width: 800px; margin: 48px auto 0; }
        .faq-item {
            border-bottom: 1px solid var(--gray-100);
        }
        .faq-question {
            display: flex; justify-content: space-between; align-items: center;
            width: 100%; padding: 24px 0;
            font-size: 1.05rem; font-weight: 600; text-align: left;
            color: var(--navy); cursor: pointer;
        }
        .faq-question svg { flex-shrink: 0; color: var(--teal); transition: transform 0.3s ease; }
        .faq-question.active svg { transform: rotate(45deg); }
        .faq-answer {
            max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.4s ease;
        }
        .faq-answer.open { max-height: 300px; padding-bottom: 24px; }
        .faq-answer p { font-size: 0.95rem; }

        /* ============================================
           FOOTER
           ============================================ */
        .footer {
            background: var(--navy); padding: 64px 0 32px;
            border-top: 1px solid rgba(255,255,255,0.06);
        }
        .footer-grid {
            display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
            gap: 48px; margin-bottom: 48px;
        }
        .footer-brand p { color: rgba(255,255,255,0.5); font-size: 0.9rem; margin-top: 12px; line-height: 1.7; }
        .footer-heading { color: var(--white); font-size: 0.85rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; margin-bottom: 16px; }
        .footer-links { list-style: none; }
        .footer-links li { margin-bottom: 10px; }
        .footer-links a { font-size: 0.9rem; color: rgba(255,255,255,0.5); transition: color 0.2s; }
        .footer-links a:hover { color: var(--teal); }

        .footer-bottom {
            display: flex; justify-content: space-between; align-items: center;
            padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.06);
        }
        .footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.35); }

        /* ============================================
           WHATSAPP FAB
           ============================================ */
        .whatsapp-fab {
            position: fixed; bottom: 28px; right: 28px; z-index: 999;
            width: 60px; height: 60px; border-radius: 50%;
            background: #25D366; display: flex; align-items: center; justify-content: center;
            box-shadow: 0 4px 20px rgba(37,211,102,0.4);
            transition: transform 0.2s ease;
        }
        .whatsapp-fab:hover { transform: scale(1.08); }
        .whatsapp-fab svg { width: 30px; height: 30px; fill: white; }

        /* ============================================
           ANIMATIONS
           ============================================ */
        .fade-in {
            opacity: 0; transform: translateY(24px);
            transition: opacity 0.6s ease, transform 0.6s ease;
        }
        .fade-in.visible { opacity: 1; transform: translateY(0); }
        .delay-1 { transition-delay: 0.1s; }
        .delay-2 { transition-delay: 0.2s; }
        .delay-3 { transition-delay: 0.3s; }
        .delay-4 { transition-delay: 0.4s; }

        /* ============================================
           RESPONSIVE
           ============================================ */
        @media (max-width: 1024px) {
            .hero-stats { display: none; }
            .calc-wrapper { grid-template-columns: 1fr; }
            .steps-grid { grid-template-columns: repeat(2, 1fr); }
            .step-connector { display: none; }
            .footer-grid { grid-template-columns: 1fr 1fr; }
        }

        @media (max-width: 768px) {
            .nav-links { 
                display: none; position: absolute; top: 100%; left: 0; right: 0;
                flex-direction: column; background: var(--navy);
                padding: 24px; gap: 16px;
                border-top: 1px solid rgba(255,255,255,0.06);
            }
            .nav-links.open { display: flex; }
            .nav-toggle { display: flex; }
            .section { padding: 60px 0; }
            .hero { min-height: auto; padding: 140px 0 80px; }
            .hero-badges { flex-direction: column; }
            .hero-actions { flex-direction: column; }
            .hero-actions .btn { width: 100%; justify-content: center; }
            .services-grid { grid-template-columns: 1fr; }
            .calc-inputs, .calc-results { padding: 28px; }
            .steps-grid { grid-template-columns: 1fr; }
            .testimonials-grid { grid-template-columns: 1fr; }
            .contact-grid { grid-template-columns: 1fr; }
            .form-row { grid-template-columns: 1fr; }
            .footer-grid { grid-template-columns: 1fr; gap: 32px; }
            .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
        }

        /* ============================================
           SUBPAGE STYLES
           ============================================ */
        .subpage { padding-top: 80px; }
        
        .sp-hero {
            background: var(--navy); padding: 64px 0 48px;
            margin-bottom: 48px; position: relative; overflow: hidden;
        }
        .sp-hero::before {
            content: ''; position: absolute; inset: 0;
            background: radial-gradient(ellipse 50% 80% at 80% 50%, rgba(46,196,182,0.06) 0%, transparent 70%);
        }
        .sp-hero h1 { color: var(--white); margin-top: 12px; position: relative; }
        
        .breadcrumb { font-size: 0.85rem; color: rgba(255,255,255,0.5); position: relative; }
        .breadcrumb a { color: var(--teal); transition: opacity 0.2s; }
        .breadcrumb a:hover { opacity: 0.8; text-decoration: underline; }
        .breadcrumb span { margin: 0 6px; }

        .sp-content { max-width: 800px; padding-bottom: 80px; }
        .sp-content h2 {
            color: var(--navy); margin: 40px 0 16px;
            padding-bottom: 10px; border-bottom: 2px solid var(--teal-glow);
        }
        .sp-content p { line-height: 1.8; }
        .sp-intro {
            font-size: 1.15rem; color: var(--gray-800); line-height: 1.8;
            margin-bottom: 32px; padding-bottom: 24px;
            border-bottom: 1px solid var(--gray-100);
        }

        .sp-benefits { display: grid; gap: 16px; margin: 24px 0 32px; }
        .sp-benefit {
            padding: 20px 24px; background: var(--off-white);
            border-radius: 14px; border-left: 3px solid var(--teal);
            font-size: 0.95rem; line-height: 1.6; color: var(--gray-600);
        }
        .sp-benefit strong { color: var(--navy); }

        .sp-steps { display: flex; flex-direction: column; gap: 12px; margin: 24px 0 32px; }
        .sp-step {
            display: flex; align-items: center; gap: 16px;
            padding: 16px 20px; background: var(--white);
            border: 1px solid var(--gray-100); border-radius: 14px;
            font-weight: 500; color: var(--gray-800);
        }
        .sp-step span {
            width: 36px; height: 36px; display: flex; align-items: center;
            justify-content: center; background: var(--teal-glow);
            color: var(--teal); border-radius: 50%;
            font-family: var(--font-display); font-weight: 700; flex-shrink: 0;
        }

        .sp-cta-box {
            margin-top: 48px; padding: 36px;
            background: var(--navy); border-radius: 20px;
        }
        .sp-cta-box h3 { color: var(--white); margin-bottom: 8px; }
        .sp-cta-box p { color: rgba(255,255,255,0.6); margin-bottom: 20px; }
        .sp-cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
        .sp-cta-actions .btn-outline-dark {
            border: 1.5px solid rgba(255,255,255,0.2); color: var(--white);
        }
        .sp-cta-actions .btn-outline-dark:hover {
            border-color: var(--teal); color: var(--teal);
        }

        .btn-dark-outline {
            border: 1.5px solid var(--gray-200); color: var(--gray-800);
            background: transparent;
        }
        .btn-dark-outline:hover { border-color: var(--teal); color: var(--teal); }

        @media (max-width: 768px) {
            .sp-hero { padding: 44px 0 32px; }
            .sp-cta-actions { flex-direction: column; }
            .sp-cta-actions .btn { width: 100%; justify-content: center; }
        }