*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}:root{--navy:#1E3766;--navy-light:#2a4578;--navy-dark:#142750;--gold:#c0a264;--gold-light:#d0b47a;--gold-dark:#a88c4e;--white:#ffffff;--off-white:#f8f7f4;--gray-50:#fafaf9;--gray-100:#f1f0ed;--gray-200:#e4e2dd;--gray-300:#c8c5be;--gray-500:#8a8680;--gray-600:#6b6862;--gray-700:#4a4843;--gray-800:#2d2b28;--text:#1a1a1a;--text-light:#555;--radius-sm:6px;--radius-md:12px;--radius-lg:16px;--radius-xl:24px;--shadow-sm:0 1px 3px rgba(0,0,0,0.08);--shadow-md:0 4px 16px rgba(0,0,0,0.1);--shadow-lg:0 8px 32px rgba(0,0,0,0.12);--shadow-xl:0 16px 48px rgba(0,0,0,0.15);--transition:0.25s ease}html{scroll-behavior:smooth;font-size:16px}body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--text);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4{font-family:'Playfair Display',Georgia,'Times New Roman',serif;font-weight:700;line-height:1.2}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}ul{list-style:none}.container{max-width:1200px;margin:0 auto;padding:0 24px}.section{padding:96px 0}.section-header{text-align:center;margin-bottom:64px}.section-header h2{font-size:2.5rem;color:var(--navy);margin-bottom:16px}.section-subtitle{font-size:1.125rem;color:var(--text-light);max-width:600px;margin:0 auto}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Inter',sans-serif;font-weight:600;font-size:1rem;border:2px solid transparent;border-radius:var(--radius-sm);cursor:pointer;transition:all var(--transition);text-decoration:none;white-space:nowrap}.btn-primary{background:var(--gold);color:var(--navy-dark);border-color:var(--gold)}.btn-primary:hover{background:var(--gold-light);border-color:var(--gold-light);transform:translateY(-1px);box-shadow:0 4px 12px rgba(192,162,100,0.35)}.btn-outline{background:transparent;color:var(--white);border-color:rgba(255,255,255,0.4)}.btn-outline:hover{border-color:var(--white);background:rgba(255,255,255,0.1)}.btn-lg{padding:16px 32px;font-size:1.0625rem;border-radius:var(--radius-md)}.btn-full{width:100%}.btn-arrow{font-size:1.2em;transition:transform var(--transition)}.btn:hover .btn-arrow{transform:translateX(3px)}.navbar{position:fixed;top:0;left:0;width:100%;z-index:1000;padding:16px 0;transition:all 0.3s ease;background:transparent}.navbar.scrolled{background:rgba(30,55,102,0.97);backdrop-filter:blur(12px);padding:10px 0;box-shadow:0 2px 20px rgba(0,0,0,0.15)}.navbar-inner{display:flex;align-items:center;justify-content:space-between}.logo{display:flex;align-items:center;gap:8px;text-decoration:none}.logo-icon{font-size:1.75rem;color:var(--gold)}.logo-text{font-family:'Playfair Display',serif;font-size:1.375rem;font-weight:700;color:var(--white);letter-spacing:-0.01em}.logo-accent{color:var(--gold)}.nav-links{display:flex;align-items:center;gap:32px}.nav-links a{color:rgba(255,255,255,0.85);font-size:0.9375rem;font-weight:500;transition:color var(--transition)}.nav-links a:hover{color:var(--white)}.nav-cta{background:var(--gold);color:var(--navy-dark) !important;padding:10px 24px;border-radius:var(--radius-sm);font-weight:600 !important;transition:all var(--transition) !important}.nav-cta:hover{background:var(--gold-light) !important;transform:translateY(-1px)}.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}.nav-toggle span{width:24px;height:2px;background:var(--white);border-radius:2px;transition:all 0.3s ease}.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 50%,var(--navy-light) 100%);padding:140px 0 100px;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;background:linear-gradient(135deg,rgba(20,39,80,0.95) 0%,rgba(30,55,102,0.85) 50%,rgba(42,69,120,0.9) 100%),url('https://rachelski.pl/wp-content/uploads/2023/11/o-nas-kancelaria-rachelski-i-wspolnicy.jpg') center/cover no-repeat;pointer-events:none}.hero-inner{display:grid;grid-template-columns:1fr 420px;gap:64px;align-items:center;position:relative;z-index:1}.hero-badge{display:inline-block;background:rgba(192,162,100,0.15);color:var(--gold);padding:8px 20px;border-radius:50px;font-size:0.875rem;font-weight:600;margin-bottom:24px;border:1px solid rgba(192,162,100,0.25)}.hero h1{font-size:3.25rem;color:var(--white);margin-bottom:24px;letter-spacing:-0.02em}.highlight{color:var(--gold);display:inline}.hero-subtitle{font-size:1.125rem;color:rgba(255,255,255,0.75);line-height:1.7;margin-bottom:36px;max-width:560px}.hero-actions{display:flex;gap:16px;margin-bottom:40px;flex-wrap:wrap}.hero-trust{display:flex;gap:24px;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,0.65);font-size:0.875rem}.trust-icon{color:var(--gold);font-weight:700}.hero-card{background:rgba(255,255,255,0.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius-xl);padding:40px 32px;text-align:center}.hero-card-header{font-size:0.875rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--gold);font-weight:600;margin-bottom:12px}.hero-card-amount{font-family:'Playfair Display',serif;font-size:2.25rem;font-weight:800;color:var(--white);margin-bottom:12px}.hero-card-desc{font-size:0.875rem;color:rgba(255,255,255,0.55);margin-bottom:32px;line-height:1.5}.hero-card-stats{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1)}.stat{display:flex;flex-direction:column;gap:4px}.stat-value{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold)}.stat-label{font-size:0.75rem;color:rgba(255,255,255,0.5)}.proof-bar{background:var(--navy-dark);border-top:1px solid rgba(192,162,100,0.15);border-bottom:1px solid rgba(192,162,100,0.15);padding:28px 0}.proof-items{display:flex;justify-content:center;gap:64px;flex-wrap:wrap}.proof-item{display:flex;align-items:center;gap:12px;color:var(--white)}.proof-number{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold)}.proof-label{font-size:0.875rem;color:rgba(255,255,255,0.65);max-width:180px;line-height:1.4}.section-problem{background:var(--off-white)}.problem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.problem-card{background:var(--white);padding:40px 32px;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--gray-100);transition:all var(--transition)}.problem-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.problem-icon{font-size:2.5rem;margin-bottom:20px}.problem-card h3{font-size:1.25rem;color:var(--navy);margin-bottom:12px}.problem-card p{color:var(--text-light);font-size:0.9375rem;line-height:1.7}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}.steps-grid::before{content:'';position:absolute;top:44px;left:12.5%;right:12.5%;height:2px;background:linear-gradient(to right,var(--gold),var(--gold-light));opacity:0.3;z-index:0}.step-card{text-align:center;padding:32px 24px;position:relative;z-index:1}.step-number{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:'Playfair Display',serif;font-size:1.25rem;font-weight:700;margin-bottom:24px;border:3px solid var(--gold)}.step-card h3{font-size:1.125rem;color:var(--navy);margin-bottom:12px}.step-card p{font-size:0.9375rem;color:var(--text-light);line-height:1.65}.step-time{margin-top:16px;font-size:0.8125rem;color:var(--gold-dark);font-weight:600}.section-savings{background:var(--off-white)}.savings-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:32px}.savings-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:40px 32px;text-align:center;transition:all var(--transition);position:relative}.savings-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.savings-card-featured{border-color:var(--gold);box-shadow:0 4px 24px rgba(192,162,100,0.15);transform:scale(1.03)}.savings-card-featured:hover{transform:scale(1.03) translateY(-4px)}.savings-badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--gold);color:var(--navy-dark);font-size:0.75rem;font-weight:700;padding:4px 16px;border-radius:50px;text-transform:uppercase;letter-spacing:0.05em}.savings-loan{font-size:0.9375rem;color:var(--text-light);margin-bottom:12px;font-weight:500}.savings-amount{font-family:'Playfair Display',serif;font-size:1.75rem;font-weight:700;color:var(--navy);margin-bottom:8px}.savings-desc{font-size:0.8125rem;color:var(--gray-500)}.savings-note{text-align:center;font-size:0.8125rem;color:var(--gray-500);max-width:700px;margin:0 auto;line-height:1.6}.savings-cta{text-align:center;margin-top:40px}.outcomes-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:32px}.outcome-card{background:var(--off-white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:40px 36px;position:relative}.outcome-badge{position:absolute;top:20px;right:20px;background:rgba(192,162,100,0.12);color:var(--gold-dark);font-size:0.75rem;font-weight:600;padding:4px 12px;border-radius:50px}.outcome-card h3{font-size:1.5rem;color:var(--navy);margin-bottom:16px}.outcome-card > p{font-size:0.9375rem;color:var(--text-light);line-height:1.7;margin-bottom:24px}.outcome-benefits{display:flex;flex-direction:column;gap:10px}.outcome-benefits li{display:flex;align-items:center;gap:10px;font-size:0.9375rem;color:var(--text)}.outcome-benefits li::before{content:'\2713';display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;min-width:24px;background:rgba(192,162,100,0.12);color:var(--gold-dark);border-radius:50%;font-size:0.75rem;font-weight:700}.section-testimonials{background:var(--navy)}.section-testimonials .section-header h2{color:var(--white)}.section-testimonials .section-subtitle{color:rgba(255,255,255,0.6)}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial-card{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius-lg);padding:32px;transition:all var(--transition)}.testimonial-card:hover{background:rgba(255,255,255,0.09);transform:translateY(-2px)}.testimonial-stars{color:var(--gold);font-size:1.125rem;margin-bottom:16px;letter-spacing:2px}.testimonial-text{color:rgba(255,255,255,0.8);font-size:0.9375rem;line-height:1.7;margin-bottom:24px;font-style:italic}.testimonial-author{display:flex;align-items:center;gap:12px}.testimonial-avatar{width:44px;height:44px;border-radius:50%;background:rgba(192,162,100,0.2);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:0.875rem}.testimonial-name{color:var(--white);font-weight:600;font-size:0.9375rem}.testimonial-detail{color:rgba(255,255,255,0.45);font-size:0.8125rem}.section-form{background:var(--off-white);padding:96px 0}.form-wrapper{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.form-info h2{font-size:2.25rem;color:var(--navy);margin-bottom:16px}.form-info > p{font-size:1.0625rem;color:var(--text-light);line-height:1.7;margin-bottom:32px}.form-benefits{display:flex;flex-direction:column;gap:16px;margin-bottom:40px}.form-benefits li{display:flex;align-items:flex-start;gap:12px;font-size:0.9375rem;line-height:1.5}.benefit-icon{color:var(--gold-dark);font-weight:700;font-size:1rem;margin-top:2px}.form-lawyer{display:flex;align-items:center;gap:16px;margin-bottom:28px;padding:20px;background:rgba(30,55,102,0.04);border-radius:var(--radius-md);border:1px solid rgba(30,55,102,0.08)}.lawyer-photo{border-radius:50%;object-fit:cover;border:3px solid var(--gold)}.lawyer-name{font-family:'Playfair Display',serif;font-size:1.125rem;font-weight:700;color:var(--navy)}.lawyer-title{font-size:0.85rem;color:var(--text-light);margin-top:2px}.lawyer-badge{font-size:0.8rem;color:var(--gold-dark);font-weight:600;margin-top:4px}.footer-firm{margin-top:20px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.08)}.footer-firm-logo{filter:brightness(0) invert(1);opacity:0.7;margin-bottom:8px}.footer-firm-text{font-size:0.75rem;color:rgba(255,255,255,0.4)}.form-trust-badges{display:flex;gap:24px}.trust-badge{display:flex;align-items:center;gap:8px;font-size:0.8125rem;color:var(--gray-600)}.trust-badge-icon{font-size:1.125rem}.form-card{background:var(--white);border-radius:var(--radius-xl);padding:40px;box-shadow:var(--shadow-lg);border:1px solid var(--gray-100)}.form-group{margin-bottom:20px}.form-group label{display:block;font-size:0.875rem;font-weight:600;color:var(--navy);margin-bottom:6px}.form-group input,.form-group select{width:100%;padding:14px 16px;border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);font-family:'Inter',sans-serif;font-size:1rem;color:var(--text);background:var(--white);transition:all var(--transition);appearance:none;-webkit-appearance:none}.form-group select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='%234a4843'%3E%3Cpath d='M1 1l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;padding-right:40px;cursor:pointer}.form-group input::placeholder{color:var(--gray-300)}.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(192,162,100,0.15)}.form-group input.error,.form-group select.error{border-color:#d32f2f;box-shadow:0 0 0 3px rgba(211,47,47,0.1)}.form-error{display:block;font-size:0.8125rem;color:#d32f2f;margin-top:4px;min-height:0}.form-consent{margin-bottom:24px}.checkbox-label{display:flex;align-items:flex-start;gap:12px;cursor:pointer;font-size:0.8125rem;color:var(--gray-600);line-height:1.5}.checkbox-label input[type="checkbox"]{width:18px;height:18px;min-width:18px;margin-top:2px;accent-color:var(--gold);cursor:pointer}.consent-link{color:var(--gold-dark);text-decoration:underline}.form-disclaimer{text-align:center;font-size:0.75rem;color:var(--gray-500);margin-top:12px}.form-success{text-align:center;padding:40px 20px}.success-icon{display:inline-flex;align-items:center;justify-content:center;width:72px;height:72px;border-radius:50%;background:rgba(192,162,100,0.12);color:var(--gold-dark);font-size:2rem;margin-bottom:24px}.form-success h3{font-size:1.75rem;color:var(--navy);margin-bottom:12px}.form-success p{color:var(--text-light);font-size:1rem;line-height:1.65}.section-faq{background:var(--white)}.faq-list{max-width:800px;margin:0 auto}.faq-item{border-bottom:1px solid var(--gray-200)}.faq-item:first-child{border-top:1px solid var(--gray-200)}.faq-question{display:flex;justify-content:space-between;align-items:center;width:100%;padding:24px 0;background:none;border:none;cursor:pointer;text-align:left;font-family:'Inter',sans-serif;font-size:1.0625rem;font-weight:600;color:var(--navy);gap:16px;transition:color var(--transition)}.faq-question:hover{color:var(--gold-dark)}.faq-toggle{font-size:1.5rem;font-weight:400;color:var(--gold);transition:transform 0.3s ease;min-width:24px;text-align:center}.faq-item.active .faq-toggle{transform:rotate(45deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.35s ease,padding 0.35s ease}.faq-item.active .faq-answer{max-height:400px}.faq-answer p{padding-bottom:24px;font-size:0.9375rem;color:var(--text-light);line-height:1.75}.section-franki{background:var(--navy);padding:72px 0}.franki-inner{max-width:800px;margin:0 auto;text-align:center}.franki-badge{display:inline-block;background:rgba(192,162,100,0.15);color:var(--gold);padding:6px 18px;border-radius:50px;font-size:0.8125rem;font-weight:600;margin-bottom:20px;border:1px solid rgba(192,162,100,0.25)}.franki-content h2{font-size:2.25rem;color:var(--white);margin-bottom:16px}.franki-content > p{font-size:1.0625rem;color:rgba(255,255,255,0.7);line-height:1.7;margin-bottom:32px;max-width:600px;margin-left:auto;margin-right:auto}.franki-stats{display:flex;justify-content:center;gap:40px;margin-bottom:36px;flex-wrap:wrap}.franki-stat{display:flex;flex-direction:column;gap:4px}.franki-stat-value{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold)}.franki-stat-label{font-size:0.8125rem;color:rgba(255,255,255,0.5)}.section-final-cta{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);padding:80px 0;text-align:center}.final-cta-content h2{font-size:2.25rem;color:var(--white);margin-bottom:16px}.final-cta-content p{font-size:1.125rem;color:rgba(255,255,255,0.65);margin-bottom:32px;max-width:550px;margin-left:auto;margin-right:auto}.footer{background:var(--navy-dark);color:rgba(255,255,255,0.6);padding:64px 0 32px;border-top:1px solid rgba(255,255,255,0.06)}.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:48px}.footer-brand .logo{margin-bottom:16px}.footer-desc{font-size:0.875rem;line-height:1.65;max-width:320px}.footer-links h4{font-family:'Inter',sans-serif;font-size:0.875rem;font-weight:600;color:var(--white);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:16px}.footer-links li{margin-bottom:10px;font-size:0.875rem}.footer-links a:hover{color:var(--gold)}.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding-top:24px;text-align:center}.footer-bottom p{font-size:0.8125rem;margin-bottom:6px}.footer-legal{font-size:0.75rem;color:rgba(255,255,255,0.35)}.nav-phone{color:var(--gold) !important;font-weight:600 !important;letter-spacing:0.02em}.section-banks{background:var(--off-white);padding:72px 0}.banks-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:16px;margin-bottom:24px}.bank-item{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-sm);padding:14px 28px;font-size:0.9375rem;font-weight:600;color:var(--navy);transition:all var(--transition)}.bank-item:hover{border-color:var(--gold);box-shadow:var(--shadow-sm)}.banks-note{text-align:center;font-size:0.8125rem;color:var(--gray-500)}.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:999;background:var(--navy);border-top:1px solid rgba(192,162,100,0.3);padding:12px 16px;gap:12px;box-shadow:0 -4px 20px rgba(0,0,0,0.2)}.sticky-cta.visible{display:flex}.sticky-cta-phone{display:flex;align-items:center;justify-content:center;gap:6px;flex:0 0 auto;padding:12px 20px;background:transparent;border:1.5px solid rgba(255,255,255,0.3);border-radius:var(--radius-sm);color:var(--white);font-size:0.875rem;font-weight:600;text-decoration:none}.sticky-icon{font-size:1.1rem}.sticky-cta-form{display:flex;align-items:center;justify-content:center;flex:1;padding:12px 20px;background:var(--gold);border-radius:var(--radius-sm);color:var(--navy-dark);font-size:0.9375rem;font-weight:700;text-decoration:none;transition:background var(--transition)}.sticky-cta-form:hover{background:var(--gold-light)}@media (max-width:1024px){.hero-inner{grid-template-columns:1fr;gap:48px}.hero-visual{max-width:450px}.hero h1{font-size:2.75rem}.problem-grid{grid-template-columns:1fr;gap:20px}.steps-grid{grid-template-columns:repeat(2,1fr);gap:32px}.steps-grid::before{display:none}.savings-grid{grid-template-columns:1fr;gap:20px}.savings-card-featured{transform:none}.savings-card-featured:hover{transform:translateY(-4px)}.outcomes-grid{grid-template-columns:1fr}.testimonials-grid{grid-template-columns:1fr;gap:20px}.form-wrapper{grid-template-columns:1fr;gap:40px}.footer-inner{grid-template-columns:1fr;gap:32px}}@media (max-width:768px){.section{padding:64px 0}.section-header h2{font-size:2rem}.section-header{margin-bottom:40px}.hero{padding:120px 0 64px}.hero h1{font-size:2.125rem}.hero-subtitle{font-size:1rem}.hero-actions{flex-direction:column}.hero-trust{flex-direction:column;gap:12px}.hero-card{padding:28px 24px}.hero-card-amount{font-size:1.75rem}.stat-value{font-size:1.25rem}.proof-items{flex-direction:column;gap:20px;align-items:center;text-align:center}.proof-item{flex-direction:column;gap:4px}.proof-label{max-width:none}.steps-grid{grid-template-columns:1fr}.form-card{padding:28px 20px}.form-info h2{font-size:1.75rem}.final-cta-content h2{font-size:1.75rem}.nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;padding:24px;gap:16px;border-top:1px solid rgba(255,255,255,0.1);box-shadow:var(--shadow-lg)}.nav-links.active{display:flex}.nav-toggle{display:flex}.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.nav-toggle.active span:nth-child(2){opacity:0}.nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}.nav-cta{text-align:center;display:block}.footer{padding-bottom:80px}.sticky-cta.visible{display:flex}.banks-grid{gap:10px}.bank-item{padding:10px 18px;font-size:0.8125rem}}@media (max-width:480px){.container{padding:0 16px}.hero h1{font-size:1.75rem}.section-header h2{font-size:1.625rem}.hero-card-stats{grid-template-columns:1fr;gap:12px}.stat{flex-direction:row;align-items:center;justify-content:center;gap:8px}.form-trust-badges{flex-direction:column;gap:12px}}.form-steps-indicator{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:28px}.form-step-dot{display:flex;align-items:center;gap:8px;font-size:0.8125rem;font-weight:600;color:var(--gray-300);transition:color 0.3s ease}.form-step-dot .dot{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:0.875rem;font-weight:700;border:2px solid var(--gray-200);background:var(--white);color:var(--gray-300);transition:all 0.3s ease}.form-step-dot.active{color:var(--navy)}.form-step-dot.active .dot{border-color:var(--gold);background:var(--gold);color:var(--navy-dark)}.form-step-dot.completed .dot{border-color:var(--gold);background:var(--gold);color:var(--navy-dark)}.form-step-dot.completed{color:var(--gold-dark)}.form-steps-line{width:40px;height:2px;background:var(--gray-200);transition:background 0.3s ease}.form-steps-line.active{background:var(--gold)}.form-step-panel{display:none;animation:fadeSlideIn 0.35s ease forwards}.form-step-panel.active{display:block}@keyframes fadeSlideIn{from{opacity:0;transform:translateX(20px)}to{opacity:1;transform:translateX(0)}}.form-step-back{display:flex;align-items:center;gap:6px;background:none;border:none;cursor:pointer;font-family:'Inter',sans-serif;font-size:0.875rem;font-weight:500;color:var(--gold-dark);padding:0;margin-bottom:20px;transition:color var(--transition)}.form-step-back:hover{color:var(--navy)}.loan-slider-wrapper{margin-top:8px}.loan-slider-value{text-align:center;font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:12px}.loan-slider{width:100%;height:6px;-webkit-appearance:none;appearance:none;background:var(--gray-200);border-radius:3px;outline:none;cursor:pointer}.loan-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--gold);border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,0.15);cursor:pointer;transition:transform 0.15s ease}.loan-slider::-webkit-slider-thumb:hover{transform:scale(1.15)}.loan-slider::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--gold);border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,0.15);cursor:pointer}.loan-slider-labels{display:flex;justify-content:space-between;font-size:0.75rem;color:var(--gray-500);margin-top:8px}.exit-popup-overlay{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,0.65);z-index:10000;align-items:center;justify-content:center;animation:fadeIn 0.25s ease}.exit-popup-overlay.visible{display:flex}@keyframes fadeIn{from{opacity:0}to{opacity:1}}.exit-popup{background:var(--white);border-radius:var(--radius-xl);padding:48px 40px;max-width:480px;width:calc(100% - 32px);position:relative;box-shadow:var(--shadow-xl);animation:popupSlideUp 0.3s ease;text-align:center}@keyframes popupSlideUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}.exit-popup-close{position:absolute;top:16px;right:16px;background:none;border:none;cursor:pointer;font-size:1.5rem;color:var(--gray-500);width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:50%;transition:all var(--transition)}.exit-popup-close:hover{background:var(--gray-100);color:var(--text)}.exit-popup-icon{font-size:3rem;margin-bottom:16px}.exit-popup h3{font-size:1.5rem;color:var(--navy);margin-bottom:8px}.exit-popup > p{font-size:0.9375rem;color:var(--text-light);margin-bottom:28px;line-height:1.6}.exit-popup .form-group{text-align:left;margin-bottom:16px}.exit-popup .form-group label{font-size:0.8125rem}.exit-popup .form-group input{padding:12px 14px}.exit-popup .form-consent{text-align:left;margin-bottom:20px}.exit-popup .btn-full{font-size:1rem;padding:14px 28px}.exit-popup .form-success{padding:20px 0}@media (max-width:480px){.exit-popup{padding:36px 24px}.exit-popup h3{font-size:1.25rem}}.cookie-banner{position:fixed;bottom:0;left:0;right:0;z-index:9999;background:var(--navy-dark);border-top:1px solid rgba(192,162,100,0.2);padding:0;transform:translateY(100%);transition:transform 0.35s ease}.cookie-banner-visible{transform:translateY(0)}.cookie-banner-inner{max-width:1200px;margin:0 auto;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}.cookie-banner-text{font-size:0.8125rem;color:rgba(255,255,255,0.75);line-height:1.5;flex:1}.cookie-banner-actions{display:flex;align-items:center;gap:12px;flex-shrink:0}.cookie-btn-settings{font-size:0.8125rem;color:rgba(255,255,255,0.55);text-decoration:underline;transition:color 0.2s ease;white-space:nowrap}.cookie-btn-settings:hover{color:rgba(255,255,255,0.85)}.cookie-btn-accept{background:var(--gold);color:var(--navy-dark);border:none;padding:10px 24px;border-radius:var(--radius-sm);font-family:'Inter',sans-serif;font-size:0.875rem;font-weight:600;cursor:pointer;transition:all 0.2s ease;white-space:nowrap}.cookie-btn-accept:hover{background:var(--gold-light)}@media (max-width:768px){.cookie-banner-inner{flex-direction:column;text-align:center;gap:14px;padding:16px 20px}.cookie-banner-actions{width:100%;justify-content:center}.cookie-banner{bottom:0}}.whatsapp-float{position:fixed;bottom:24px;right:24px;z-index:998;width:56px;height:56px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 16px rgba(37,211,102,0.35);cursor:pointer;opacity:0;transform:scale(0.5);transition:opacity 0.35s ease,transform 0.35s ease,bottom 0.3s ease;pointer-events:none;text-decoration:none}.whatsapp-float:hover{transform:scale(1.08);box-shadow:0 6px 24px rgba(37,211,102,0.45)}.whatsapp-visible{opacity:1;transform:scale(1);pointer-events:auto}.whatsapp-hidden{opacity:0 !important;pointer-events:none !important}.whatsapp-tooltip{position:absolute;right:68px;top:50%;transform:translateY(-50%);background:var(--navy);color:var(--white);font-size:0.8125rem;font-weight:500;padding:8px 14px;border-radius:var(--radius-sm);white-space:nowrap;opacity:0;pointer-events:none;transition:opacity 0.2s ease;box-shadow:var(--shadow-md)}.whatsapp-tooltip::after{content:'';position:absolute;right:-6px;top:50%;transform:translateY(-50%);border:6px solid transparent;border-left-color:var(--navy);border-right:none}.whatsapp-float:hover .whatsapp-tooltip{opacity:1}@media (max-width:768px){.whatsapp-float{bottom:80px;right:16px;width:50px;height:50px}.whatsapp-float svg{width:24px;height:24px}.whatsapp-tooltip{display:none}}