/* =========================================
   QuiltAhorro — Depósito Prelanding ES
   ========================================= */

:root {
  --blue:       #0b5cff;
  --blue-dark:  #0040cc;
  --blue-light: #e8efff;
  --green:      #16a34a;
  --green-bg:   #f0fdf4;
  --orange:     #ea6c00;
  --red:        #dc2626;
  --gray-50:    #f9fafb;
  --gray-100:   #f3f4f6;
  --gray-200:   #e5e7eb;
  --gray-500:   #6b7280;
  --gray-700:   #374151;
  --gray-900:   #111827;
  --white:      #ffffff;
  --radius:     10px;
  --shadow:     0 1px 3px rgba(0,0,0,.10), 0 4px 16px rgba(0,0,0,.06);
  --shadow-lg:  0 8px 32px rgba(0,0,0,.12);
  --font:       'Inter', system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--gray-900);
  background: var(--white);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

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

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ---- AD LABEL ---- */
.ad-label {
  background: var(--gray-900);
  color: var(--white);
  font-size: 11px;
  text-align: center;
  padding: 4px 0;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* ---- HEADER ---- */
.header {
  position: sticky;
  top: 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  z-index: 100;
  box-shadow: 0 1px 4px rgba(0,0,0,.06);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 800;
  font-size: 20px;
  color: var(--gray-900);
  text-decoration: none;
  flex-shrink: 0;
}
.logo-icon { color: var(--blue); font-size: 14px; }
.logo-es { color: var(--blue); }

.nav {
  display: flex;
  gap: 24px;
  margin-left: auto;
}
.nav a {
  color: var(--gray-700);
  font-size: 15px;
  font-weight: 500;
  text-decoration: none;
}
.nav a:hover { color: var(--blue); }

.btn-nav {
  background: var(--blue);
  color: var(--white) !important;
  padding: 8px 18px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
  text-decoration: none !important;
  transition: background .15s;
}
.btn-nav:hover { background: var(--blue-dark); }

/* ---- NAV TOGGLE (mobile hamburger) ---- */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  width: 32px;
  height: 32px;
  padding: 0;
  background: none;
  border: none;
  cursor: pointer;
  flex-shrink: 0;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gray-900);
  border-radius: 2px;
}

/* ---- HERO ---- */
.hero {
  position: relative;
  color: var(--white);
  padding: 64px 0 56px;
  text-align: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center right;
  background-color: #0b1f4d;
  z-index: 0;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11,31,77,.95) 0%, rgba(11,48,130,.85) 55%, rgba(11,92,255,.7) 100%);
}
.hero .container { position: relative; z-index: 1; }

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 100px;
  padding: 5px 16px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 20px;
  letter-spacing: .02em;
}

.hero-title {
  font-size: clamp(28px, 5vw, 52px);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 16px;
  letter-spacing: -.02em;
}

.hero-title .highlight {
  color: #ffd200;
}

.hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,.85);
  max-width: 620px;
  margin: 0 auto 12px;
}
.hero-disclaimer {
  font-size: 12px;
  color: rgba(255,255,255,.55);
  max-width: 620px;
  margin: 0 auto 28px;
}

/* HERO CALC */
.hero-calc {
  background: var(--white);
  border-radius: 16px;
  padding: 28px 32px 24px;
  max-width: 700px;
  margin: 0 auto 24px;
  box-shadow: 0 12px 40px rgba(0,0,0,.3);
  text-align: left;
}

.calc-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.calc-field label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: 6px;
}

.calc-field input,
.calc-field select {
  width: 100%;
  padding: 10px 12px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 16px;
  font-family: var(--font);
  color: var(--gray-900);
  background: var(--white);
  outline: none;
  transition: border-color .15s;
}
.calc-field input:focus,
.calc-field select:focus { border-color: var(--blue); }

.calc-result {
  font-size: 28px;
  font-weight: 800;
  color: var(--green);
  padding-top: 4px;
}

/* BUTTONS */
.btn-primary {
  display: inline-block;
  background: var(--blue);
  color: var(--white) !important;
  font-weight: 700;
  font-size: 16px;
  padding: 14px 28px;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  text-decoration: none !important;
  transition: background .15s, transform .1s;
  white-space: nowrap;
}
.btn-primary:hover { background: var(--blue-dark); transform: translateY(-1px); }

.btn-block { display: block; width: 100%; text-align: center; }
.btn-large { font-size: 18px; padding: 16px 40px; }

.hero-trust {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 14px;
  color: rgba(255,255,255,.8);
}

/* ---- STATS BAR ---- */
.stats-bar {
  background: var(--gray-900);
  color: var(--white);
  padding: 20px 0;
}

.stats-inner {
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 16px;
}

.stat {
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.stat strong { font-size: 22px; font-weight: 800; color: #ffd200; }
.stat span { font-size: 12px; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .04em; }

/* ---- SECTIONS ---- */
.section { padding: 72px 0; }
.section-gray { background: var(--gray-50); }

.section-title {
  font-size: clamp(22px, 3vw, 34px);
  font-weight: 800;
  text-align: center;
  margin-bottom: 10px;
  letter-spacing: -.02em;
}

.section-sub {
  text-align: center;
  color: var(--gray-500);
  font-size: 14px;
  margin-bottom: 32px;
}

/* ---- FILTER ---- */
.filter-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
  flex-wrap: wrap;
  font-size: 14px;
  color: var(--gray-500);
}

.filter-btn {
  padding: 6px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 100px;
  background: var(--white);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all .15s;
  font-family: var(--font);
  color: var(--gray-700);
}
.filter-btn:hover,
.filter-btn.active {
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
}

/* ---- OFFER CARDS ---- */
.offer-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.offer-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: box-shadow .15s;
}
.offer-card:hover { box-shadow: var(--shadow-lg); }

.offer-card.offer-featured {
  border-color: var(--blue);
  border-width: 2px;
}

.offer-card.offer-bank {
  opacity: .95;
}

.offer-top-banner {
  background: var(--blue);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  padding: 7px 20px;
  letter-spacing: .04em;
}

.offer-sponsored-bar {
  background: #f8fafc;
  border-bottom: 1px solid #e5e7eb;
  color: #6b7280;
  font-size: 11px;
  font-weight: 600;
  padding: 5px 20px;
  letter-spacing: .03em;
}

.offer-main {
  display: grid;
  grid-template-columns: 200px 150px 160px 1fr auto;
  align-items: center;
  gap: 20px;
  padding: 20px 24px;
}

.offer-brand {}
.offer-brand-logo {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 900;
  margin-bottom: 8px;
  letter-spacing: -.01em;
}
.xtb-logo    { background: #ff0000; color: var(--white); }
.tr-logo     { background: #0b0b0b; color: var(--white); font-size: 13px; }
.etoro-logo  { background: #6dc849; color: var(--white); }
.bank-logo   { background: var(--gray-200); color: var(--gray-700); font-size: 12px; }
.ing-logo    { background: #ff6200; color: var(--white); font-size: 12px; }
.bbva-logo   { background: #004481; color: var(--white); font-size: 11px; }
.caixa-logo  { background: #007bc4; color: var(--white); font-size: 12px; }
.sant-logo   { background: #ec0000; color: var(--white); font-size: 11px; }

.offer-brand-name { font-size: 15px; font-weight: 700; color: var(--gray-900); }
.offer-brand-sub  { font-size: 12px; color: var(--gray-500); margin-top: 2px; }
.offer-brand-tag  { font-size: 11px; color: var(--blue); font-weight: 600; margin-top: 4px; }

.offer-rate-block { text-align: center; }
.offer-rate-big {
  font-size: 30px;
  font-weight: 800;
  line-height: 1;
}
.offer-rate-label { font-size: 12px; color: var(--gray-500); margin-top: 4px; }
.offer-rate-sub   { font-size: 11px; color: var(--gray-400); margin-top: 2px; }

.offer-security-block { text-align: center; }
.offer-security-sub { font-size: 11px; color: var(--gray-500); margin-top: 4px; }

.offer-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.offer-features li {
  font-size: 13px;
  color: var(--gray-700);
  padding-left: 18px;
  position: relative;
}
.offer-features li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
}

.btn-offer {
  display: inline-block;
  background: var(--green);
  color: var(--white) !important;
  font-weight: 700;
  font-size: 14px;
  padding: 12px 20px;
  border-radius: 8px;
  white-space: nowrap;
  text-decoration: none !important;
  transition: background .15s, transform .1s;
  flex-shrink: 0;
}
.btn-offer:hover { background: #15803d; transform: translateY(-1px); }

.btn-offer-outline {
  background: var(--white) !important;
  color: var(--gray-700) !important;
  border: 1.5px solid var(--gray-300);
}
.btn-offer-outline:hover { border-color: var(--blue); color: var(--blue) !important; background: var(--white) !important; transform: none; }

.offer-footer {
  border-top: 1px solid var(--gray-100);
  display: flex;
  flex-wrap: wrap;
}

.offer-details {
  flex: 1;
  min-width: 200px;
  border-right: 1px solid var(--gray-100);
}
.offer-details:last-child { border-right: none; }

.offer-details summary {
  padding: 12px 20px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-600, #4b5563);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  gap: 8px;
  user-select: none;
  transition: background .1s;
}
.offer-details summary:hover { background: var(--gray-50); }
.offer-details summary::-webkit-details-marker { display: none; }
.offer-details summary::after {
  content: '▾';
  font-size: 12px;
  color: var(--gray-400);
  margin-left: auto;
  transition: transform .2s;
}
.offer-details[open] summary::after { transform: rotate(180deg); }

.offer-details-body {
  padding: 16px 20px 20px;
  border-top: 1px solid var(--gray-100);
}

.offer-details-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.offer-details-table tr { border-bottom: 1px solid var(--gray-100); }
.offer-details-table tr:last-child { border-bottom: none; }
.offer-details-table td { padding: 7px 8px; vertical-align: top; }
.offer-details-table td:first-child { color: var(--gray-500); width: 44%; }

.offer-scores {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 4px;
}
.offer-score-item {}
.offer-score-label { font-size: 12px; color: var(--gray-500); margin-bottom: 4px; }
.offer-score-bar {
  height: 5px;
  background: var(--gray-200);
  border-radius: 100px;
  overflow: hidden;
  margin-bottom: 3px;
}
.offer-score-fill {
  height: 100%;
  background: var(--green);
  border-radius: 100px;
}
.offer-score-value { font-size: 12px; font-weight: 700; color: var(--gray-700); }
.offer-score-total {
  margin-top: 14px;
  font-size: 14px;
  color: var(--gray-700);
  border-top: 1px solid var(--gray-100);
  padding-top: 10px;
}
.offer-score-note {
  font-size: 11px;
  color: var(--gray-400);
  margin-bottom: 12px;
  font-style: italic;
}

.offer-separator {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 8px 0 4px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--gray-400);
}
.offer-separator::before,
.offer-separator::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--gray-200);
}

/* ---- TABLE ---- */
.table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-size: 15px;
}

.compare-table thead th {
  background: var(--gray-50);
  padding: 12px 16px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--gray-500);
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
  white-space: nowrap;
}

.compare-table tbody tr {
  border-bottom: 1px solid var(--gray-100);
  transition: background .1s;
}
.compare-table tbody tr:last-child { border-bottom: none; }
.compare-table tbody tr:hover { background: var(--gray-50); }

.compare-table tbody td {
  padding: 16px;
  vertical-align: middle;
}

/* TOP rows highlight */
.row-top { background: #fffbeb; }
.row-top:hover { background: #fff7d6 !important; }

.provider-cell { display: flex; flex-direction: column; gap: 3px; }
.provider-name { font-weight: 700; font-size: 15px; }
.provider-sub { font-size: 12px; color: var(--gray-500); }

.provider-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 100px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  background: var(--gray-200);
  color: var(--gray-700);
  width: fit-content;
}
.provider-badge.top { background: #ffd200; color: #7a5c00; }
.provider-badge.hot { background: #ff4400; color: var(--white); }

.rate {
  font-size: 22px;
  font-weight: 800;
}
.rate-top { color: var(--green); }
.rate-high { color: #059669; }
.rate-normal { color: var(--blue); }
.rate-low { color: var(--gray-500); }

.badge-sec {
  font-size: 12px;
  background: var(--green-bg);
  color: var(--green);
  padding: 3px 8px;
  border-radius: 4px;
  font-weight: 600;
  white-space: nowrap;
}

.btn-cta {
  display: inline-block;
  background: var(--green);
  color: var(--white) !important;
  font-weight: 700;
  font-size: 14px;
  padding: 10px 18px;
  border-radius: 7px;
  white-space: nowrap;
  text-decoration: none !important;
  transition: background .15s, transform .1s;
}
.btn-cta:hover { background: #15803d; transform: translateY(-1px); }

.btn-outline {
  display: inline-block;
  border: 1.5px solid var(--gray-200);
  color: var(--gray-700) !important;
  font-weight: 600;
  font-size: 13px;
  padding: 8px 14px;
  border-radius: 7px;
  white-space: nowrap;
  text-decoration: none !important;
  transition: all .15s;
}
.btn-outline:hover { border-color: var(--blue); color: var(--blue) !important; }

.table-note {
  font-size: 12px;
  color: var(--gray-500);
  margin-top: 12px;
  text-align: center;
}

/* ---- EXPLAINER ---- */
.explainer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.explainer-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
}

.explainer-card-highlight {
  border-color: var(--blue);
  background: var(--blue-light);
  position: relative;
}

.explainer-icon { font-size: 32px; margin-bottom: 12px; }

.explainer-card h3 {
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 10px;
}
.explainer-card p { font-size: 14px; color: var(--gray-700); line-height: 1.6; }

/* ---- STEPS ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}

.step {
  text-align: center;
}

.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-size: 22px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--gray-500); }

/* ---- FAQ ---- */
.faq-list {
  max-width: 760px;
  margin: 40px auto 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-item summary {
  padding: 18px 20px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--blue);
  flex-shrink: 0;
  transition: transform .2s;
}
.faq-item[open] summary::after {
  content: '−';
}

.faq-item p {
  padding: 0 20px 18px;
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.7;
  border-top: 1px solid var(--gray-100);
  padding-top: 14px;
}

/* ---- CTA BANNER ---- */
.cta-banner {
  background: linear-gradient(90deg, #0b1f4d, #0b5cff);
  color: var(--white);
  padding: 56px 0;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}

.cta-inner h2 {
  font-size: clamp(20px, 3vw, 30px);
  font-weight: 800;
  margin-bottom: 8px;
}
.cta-inner p { color: rgba(255,255,255,.8); font-size: 16px; }

/* ---- FOOTER ---- */
.footer {
  background: var(--gray-900);
  color: rgba(255,255,255,.7);
  padding: 56px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-logo .logo-text,
.footer-logo .logo-icon { color: var(--white); }
.footer-logo .logo-es { color: var(--blue); }

.footer-desc {
  margin-top: 10px;
  font-size: 13px;
  line-height: 1.6;
  color: rgba(255,255,255,.5);
}

.footer strong {
  display: block;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--white);
  margin-bottom: 12px;
}

.footer ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer ul a {
  color: rgba(255,255,255,.6);
  font-size: 14px;
  text-decoration: none;
}
.footer ul a:hover { color: var(--white); }

.disclaimer {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 8px;
  padding: 16px 20px;
  font-size: 12px;
  line-height: 1.7;
  color: rgba(255,255,255,.45);
  margin-bottom: 24px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  color: rgba(255,255,255,.3);
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 20px;
  flex-wrap: wrap;
  gap: 8px;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .explainer-grid,
  .steps-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr 1fr; }

  .calc-row { grid-template-columns: 1fr 1fr; }
  .calc-result-wrap { grid-column: 1 / -1; }
}

/* ---- COOKIE BANNER ---- */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--gray-900);
  color: rgba(255,255,255,.85);
  padding: 16px 20px;
  z-index: 1000;
  box-shadow: 0 -4px 20px rgba(0,0,0,.25);
}

.cookie-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.cookie-inner p {
  font-size: 13px;
  line-height: 1.5;
  flex: 1;
  min-width: 200px;
}
.cookie-inner p a { color: #93c5fd; }

.cookie-btns {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
  flex-wrap: wrap;
}

.btn-cookie-accept {
  background: var(--blue);
  color: var(--white);
  border: none;
  padding: 9px 18px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  font-family: var(--font);
  white-space: nowrap;
}
.btn-cookie-accept:hover { background: var(--blue-dark); }

.btn-cookie-reject {
  background: transparent;
  color: rgba(255,255,255,.85);
  border: 1px solid rgba(255,255,255,.4);
  padding: 9px 18px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font);
  white-space: nowrap;
}
.btn-cookie-reject:hover { border-color: rgba(255,255,255,.7); }

.btn-cookie-manage {
  color: rgba(255,255,255,.6);
  font-size: 13px;
  white-space: nowrap;
  text-decoration: underline;
}

/* ---- CALC NOTE ---- */
.calc-note {
  font-size: 11px;
  color: var(--gray-500);
  margin-top: 10px;
  text-align: center;
  line-height: 1.5;
}

/* ---- RATE NOTE ---- */
.rate-note {
  display: block;
  font-size: 10px;
  color: var(--gray-500);
  font-weight: 500;
  margin-top: 2px;
  letter-spacing: .02em;
}

/* ---- INFO LINK ---- */
.info-link {
  font-size: 12px;
  color: var(--gray-500);
  white-space: nowrap;
  text-decoration: underline;
}
.info-link:hover { color: var(--blue); }

/* ---- MODAL ---- */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.6);
  z-index: 9000;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(3px);
}

.modal-box {
  background: var(--white);
  border-radius: 16px;
  padding: 36px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow-lg);
}

.modal-loader-wrap {
  display: flex;
  justify-content: center;
  margin-bottom: 20px;
}

.modal-spinner {
  width: 52px;
  height: 52px;
  border: 4px solid var(--gray-200);
  border-top-color: var(--blue);
  border-radius: 50%;
  animation: spin .8s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

.modal-title {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--gray-900);
}

.modal-sub {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 20px;
  line-height: 1.6;
}

.modal-progress-bar {
  height: 6px;
  background: var(--gray-200);
  border-radius: 100px;
  overflow: hidden;
}

.modal-progress-fill {
  height: 100%;
  background: var(--blue);
  border-radius: 100px;
  transition: width .1s linear;
  width: 0%;
}

.modal-success-icon {
  font-size: 48px;
  margin-bottom: 16px;
}

.modal-disclaimer {
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 12px;
  color: #92400e;
  margin-top: 12px;
  text-align: left;
  line-height: 1.5;
}

.modal-close-btn {
  display: block;
  width: 100%;
  margin-top: 10px;
  background: none;
  border: none;
  color: var(--gray-500);
  font-size: 13px;
  cursor: pointer;
  font-family: var(--font);
  text-decoration: underline;
}

@media (max-width: 900px) {
  .offer-main {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto auto auto;
  }
  .offer-brand { grid-column: 1 / -1; }
  .btn-offer { grid-column: 1 / -1; text-align: center; }
}

@media (max-width: 640px) {
  .header-inner { position: relative; gap: 10px; }
  .logo { font-size: 17px; gap: 6px; }
  .nav-toggle { display: flex; order: 3; margin-left: auto; }
  .btn-nav { order: 2; padding: 7px 12px; font-size: 13px; margin-left: auto; }
  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    margin-left: 0;
    flex-direction: column;
    gap: 0;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    box-shadow: 0 8px 20px rgba(0,0,0,.08);
    padding: 4px 20px 12px;
  }
  .nav.nav-open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--gray-100); }
  .nav a:last-child { border-bottom: none; }

  .hero { padding: 40px 0 36px; }
  .hero-trust { gap: 12px; }
  .hero-calc { padding: 20px 16px 18px; }
  .calc-row { grid-template-columns: 1fr; }
  .calc-result-wrap { grid-column: auto; }
  .stats-inner { gap: 20px; }
  .stat strong { font-size: 18px; }

  .offer-main {
    grid-template-columns: 1fr;
    padding: 16px;
    gap: 14px;
  }
  .offer-rate-block { text-align: left; }
  .offer-security-block { text-align: left; }
  .offer-rate-big { font-size: 24px; }
  .offer-scores { grid-template-columns: 1fr 1fr; }

  .footer-grid { grid-template-columns: 1fr; }
  .cta-inner { flex-direction: column; text-align: center; }
  .cta-inner .btn-primary { width: 100%; text-align: center; }

  .cookie-inner { flex-direction: column; align-items: stretch; }
  .cookie-btns { flex-shrink: 1; width: 100%; }
  .btn-cookie-accept, .btn-cookie-reject { flex: 1 1 auto; text-align: center; }
}