/* ========================================
   RATALEGGERA — Landing Page Cessione del Quinto
   Palette: Blu scuro #0f172a, Rosso/viola #7c3aed, Oro #f59e0b
   ======================================== */

:root {
    --primary: #0f172a;
    --primary-light: #1e293b;
    --primary-dark: #020617;
    --accent: #7c3aed;
    --accent-light: #a78bfa;
    --accent-dark: #5b21b6;
    --gold: #f59e0b;
    --gold-light: #fbbf24;
    --text: #1e293b;
    --text-light: #64748b;
    --text-muted: #94a3b8;
    --bg: #ffffff;
    --bg-light: #f8fafc;
    --bg-dark: #f1f5f9;
    --border: #e2e8f0;
    --border-light: #f1f5f9;
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
    --shadow-xl: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 16px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ========================================
   NAVBAR
   ======================================== */
.navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
}

.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}

.logo-icon {
    width: 40px; height: 40px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: white;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
}

.logo-text {
    font-size: 22px;
    font-weight: 700;
    color: var(--primary);
    letter-spacing: -0.5px;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    text-decoration: none;
    color: var(--text-light);
    font-weight: 500;
    font-size: 15px;
    transition: var(--transition);
    position: relative;
}

.nav-links a:hover { color: var(--primary); }

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px; left: 0;
    width: 0; height: 2px;
    background: var(--accent);
    transition: var(--transition);
}

.nav-links a:hover::after { width: 100%; }

.btn-nav {
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: white !important;
    padding: 10px 24px;
    border-radius: 100px;
    font-weight: 600 !important;
}

.btn-nav::after { display: none !important; }

.btn-nav:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(124, 58, 237, 0.3);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.mobile-menu-btn span {
    display: block;
    width: 24px; height: 2px;
    background: var(--primary);
    border-radius: 2px;
    transition: var(--transition);
}

/* ========================================
   HERO
   ======================================== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 80px;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: 
        radial-gradient(ellipse at 80% 20%, rgba(124, 58, 237, 0.08) 0%, transparent 50%),
        radial-gradient(ellipse at 20% 80%, rgba(245, 158, 11, 0.06) 0%, transparent 50%),
        linear-gradient(180deg, #f5f3ff 0%, #ffffff 60%);
    z-index: -1;
}

.hero-container {
    display: grid;
    grid-template-columns: 1fr 480px;
    gap: 64px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(124, 58, 237, 0.1);
    color: var(--accent-dark);
    padding: 8px 16px;
    border-radius: 100px;
    font-size: 14px;
    font-weight: 500;
    margin-bottom: 24px;
    border: 1px solid rgba(124, 58, 237, 0.2);
}

.badge-dot {
    width: 8px; height: 8px;
    background: var(--accent);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.hero h1 {
    font-size: 48px;
    font-weight: 800;
    line-height: 1.1;
    color: var(--primary);
    letter-spacing: -1.5px;
    margin-bottom: 24px;
}

.hero .highlight {
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 19px;
    color: var(--text-light);
    line-height: 1.6;
    margin-bottom: 40px;
    max-width: 480px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat-num {
    display: block;
    font-size: 30px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.stat-label {
    font-size: 14px;
    color: var(--text-muted);
    margin-top: 4px;
}

/* ========================================
   FORM CARD
   ======================================== */
.hero-form-wrapper { position: relative; }

.form-card {
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    border: 1px solid var(--border-light);
}

.form-header {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    padding: 28px 32px;
}

.form-header h3 {
    font-size: 21px;
    font-weight: 700;
    margin-bottom: 6px;
}

.form-header p {
    font-size: 15px;
    opacity: 0.85;
}

.lead-form { padding: 28px 32px 32px; }

.form-step { animation: fadeIn 0.4s ease; }

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.step-indicator {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--accent);
    margin-bottom: 16px;
}

.form-step h4 {
    font-size: 18px;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 20px;
}

.form-group { margin-bottom: 18px; }

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

.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 500;
    color: var(--text);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-family: inherit;
    color: var(--text);
    background: white;
    transition: var(--transition);
    resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-muted);
}

.hint {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 4px;
}

/* Radio cards */
.radio-group {
    display: grid;
    grid-template-columns: 1fr;
    gap: 8px;
}

.radio-card {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: var(--transition);
    background: white;
}

.radio-card:hover {
    border-color: var(--accent);
    background: rgba(124, 58, 237, 0.02);
}

.radio-card input[type="radio"] {
    width: 18px; height: 18px;
    accent-color: var(--accent);
    cursor: pointer;
    flex-shrink: 0;
}

.radio-text {
    font-size: 14px;
    font-weight: 500;
    color: var(--text);
}

.radio-card:has(input:checked) {
    border-color: var(--accent);
    background: rgba(124, 58, 237, 0.06);
}

/* Checkbox */
.checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 20px;
}

.checkbox-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
}

.checkbox-item input[type="checkbox"] {
    width: 18px; height: 18px;
    margin-top: 2px;
    accent-color: var(--accent);
    cursor: pointer;
    flex-shrink: 0;
}

.checkbox-text {
    font-size: 13px;
    color: var(--text-light);
    line-height: 1.5;
}

.checkbox-text .link {
    color: var(--accent);
    text-decoration: underline;
}

/* Buttons */
.btn-next,
.btn-submit {
    width: 100%;
    padding: 14px 24px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: white;
    border: none;
    border-radius: var(--radius-sm);
    font-size: 16px;
    font-weight: 600;
    font-family: inherit;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 8px;
}

.btn-next:hover,
.btn-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(124, 58, 237, 0.3);
}

.btn-back {
    padding: 12px 20px;
    background: transparent;
    color: var(--text-light);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 500;
    font-family: inherit;
    cursor: pointer;
    transition: var(--transition);
}

.btn-back:hover {
    border-color: var(--text-light);
    color: var(--text);
}

.form-nav {
    display: flex;
    gap: 12px;
    margin-top: 8px;
}

.form-nav .btn-next,
.form-nav .btn-submit {
    flex: 1;
    margin-top: 0;
}

.form-note {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 16px;
    font-size: 12px;
    color: var(--text-muted);
    justify-content: center;
}

.form-note svg {
    flex-shrink: 0;
    color: var(--accent);
}

/* Success / Error */
.success-message,
.error-message {
    padding: 40px 32px;
    text-align: center;
    animation: fadeIn 0.5s ease;
}

.success-icon,
.error-icon {
    width: 64px; height: 64px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    font-weight: 700;
    margin: 0 auto 20px;
}

.success-icon {
    background: rgba(16, 185, 129, 0.1);
    color: #10b981;
}

.error-icon {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
}

.success-message h3,
.error-message h3 {
    font-size: 22px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.success-message p,
.error-message p {
    color: var(--text-light);
    margin-bottom: 20px;
}

.success-details {
    background: var(--bg-light);
    border-radius: var(--radius);
    padding: 20px;
    text-align: left;
    margin-bottom: 24px;
}

.success-details p {
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 12px;
}

.success-details ol {
    padding-left: 20px;
    color: var(--text-light);
    font-size: 14px;
}

.success-details li { margin-bottom: 8px; }

.btn-reset {
    padding: 12px 32px;
    background: transparent;
    color: var(--accent);
    border: 1.5px solid var(--accent);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-weight: 600;
    font-family: inherit;
    cursor: pointer;
    transition: var(--transition);
}

.btn-reset:hover {
    background: rgba(124, 58, 237, 0.06);
}

/* ========================================
   TRUST BAR
   ======================================== */
.trust-bar {
    background: var(--primary);
    padding: 40px 0;
    color: white;
}

.trust-text {
    text-align: center;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 2px;
    opacity: 0.6;
    margin-bottom: 24px;
}

.trust-logos {
    display: flex;
    justify-content: center;
    gap: 64px;
    flex-wrap: wrap;
}

.trust-item { text-align: center; }

.trust-num {
    display: block;
    font-size: 28px;
    font-weight: 800;
    color: var(--accent-light);
    line-height: 1;
}

.trust-label {
    font-size: 13px;
    opacity: 0.7;
    margin-top: 4px;
}

/* ========================================
   SECTIONS COMMON
   ======================================== */
.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 56px;
}

.section-tag {
    display: inline-block;
    background: rgba(124, 58, 237, 0.1);
    color: var(--accent-dark);
    padding: 6px 16px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 16px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -1px;
    line-height: 1.2;
    margin-bottom: 12px;
}

.section-header p {
    font-size: 18px;
    color: var(--text-light);
}

/* ========================================
   HOW IT WORKS
   ======================================== */
.how-it-works {
    padding: 100px 0;
    background: var(--bg-light);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.step-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-align: center;
    border: 1px solid var(--border-light);
    transition: var(--transition);
    position: relative;
}

.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--accent);
}

.step-num {
    position: absolute;
    top: -12px; left: 24px;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: white;
    font-size: 13px;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 100px;
}

.step-icon {
    width: 64px; height: 64px;
    background: rgba(124, 58, 237, 0.1);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 16px auto 20px;
    color: var(--accent);
}

.step-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 14px;
    color: var(--text-light);
    line-height: 1.6;
}

/* ========================================
   RISPARMIO
   ======================================== */
.risparmio {
    padding: 100px 0;
    background: white;
}

.risparmio-box {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 32px;
    align-items: center;
    max-width: 900px;
    margin: 0 auto;
}

.risparmio-visual { display: flex; justify-content: center; }

.risparmio-card {
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    padding: 32px;
    width: 100%;
    border: 1px solid var(--border-light);
}

.risparmio-card.featured {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    border: none;
}

.risparmio-label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-muted);
    margin-bottom: 16px;
}

.risparmio-card.featured .risparmio-label {
    color: var(--accent-light);
}

.risparmio-example { }

.example-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    font-size: 15px;
    border-bottom: 1px solid var(--border-light);
}

.risparmio-card.featured .example-row {
    border-bottom-color: rgba(255,255,255,0.1);
    color: rgba(255,255,255,0.9);
}

.example-row.highlight {
    color: var(--accent-dark);
    font-weight: 600;
}

.risparmio-card.featured .example-row.highlight {
    color: var(--gold-light);
}

.example-row.total {
    font-weight: 700;
    color: var(--primary);
    font-size: 17px;
    border-bottom: 2px solid var(--primary);
    padding: 14px 0;
}

.risparmio-card.featured .example-row.total {
    color: white;
    border-bottom-color: rgba(255,255,255,0.3);
}

.example-row.payoff {
    border-bottom: none;
    padding-top: 14px;
}

.example-row.payoff .example-value {
    color: var(--accent-dark);
    font-weight: 700;
}

.risparmio-card.featured .example-row.payoff .example-value {
    color: var(--gold-light);
}

.example-value {
    font-weight: 600;
    white-space: nowrap;
}

.risparmio-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
}

.risparmio-note {
    text-align: center;
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 32px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.6;
}

/* ========================================
   REQUISITI
   ======================================== */
.requisiti {
    padding: 100px 0;
    background: var(--bg-light);
}

.requisiti-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.requisito-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 28px;
    border: 1px solid var(--border-light);
    transition: var(--transition);
    position: relative;
    padding-left: 64px;
}

.requisito-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.requisito-card.ok { border-left: 4px solid #10b981; }
.requisito-card.ko { border-left: 4px solid #ef4444; }

.requisito-icon {
    position: absolute;
    left: 20px; top: 28px;
    width: 32px; height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
}

.requisito-card.ok .requisito-icon {
    background: rgba(16, 185, 129, 0.1);
    color: #10b981;
}

.requisito-card.ko .requisito-icon {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
}

.requisito-card h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.requisito-card p {
    font-size: 14px;
    color: var(--text-light);
    line-height: 1.5;
}

/* ========================================
   VANTAGGI
   ======================================== */
.vantaggi {
    padding: 100px 0;
    background: white;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.feature-card {
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    padding: 32px;
    border: 1px solid var(--border-light);
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow);
}

.feature-icon {
    width: 52px; height: 52px;
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    color: var(--icon-color, var(--accent));
    background: rgba(255,255,255,0.8);
}

.feature-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 15px;
    color: var(--text-light);
    line-height: 1.6;
}

/* ========================================
   CTA SECTION
   ======================================== */
.cta-section {
    padding: 80px 0;
    background: var(--primary);
}

.cta-box {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.cta-box h2 {
    font-size: 34px;
    font-weight: 800;
    color: white;
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.cta-box > p {
    font-size: 18px;
    color: rgba(255,255,255,0.7);
    margin-bottom: 32px;
}

.btn-cta-large {
    display: inline-block;
    background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
    color: white;
    padding: 18px 40px;
    border-radius: 100px;
    font-size: 18px;
    font-weight: 700;
    text-decoration: none;
    transition: var(--transition);
    margin-bottom: 20px;
}

.btn-cta-large:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 30px rgba(124, 58, 237, 0.4);
}

.cta-note {
    font-size: 15px;
    color: rgba(255,255,255,0.5);
}

.cta-note a {
    color: var(--accent-light);
    text-decoration: none;
    font-weight: 600;
}

/* ========================================
   FAQ
   ======================================== */
.faq {
    padding: 100px 0;
    background: var(--bg-light);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: white;
    border-radius: var(--radius);
    margin-bottom: 12px;
    border: 1px solid var(--border-light);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover { border-color: var(--border); }

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    font-size: 16px;
    font-weight: 600;
    color: var(--primary);
    font-family: inherit;
    cursor: pointer;
    text-align: left;
    transition: var(--transition);
}

.faq-question:hover { color: var(--accent-dark); }

.faq-icon {
    width: 28px; height: 28px;
    background: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 300;
    color: var(--text-light);
    flex-shrink: 0;
    transition: var(--transition);
}

.faq-item.active .faq-icon {
    background: var(--accent);
    color: white;
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 24px 20px;
}

.faq-answer p {
    font-size: 15px;
    color: var(--text-light);
    line-height: 1.7;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
    background: var(--primary-dark);
    color: white;
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 48px;
    margin-bottom: 64px;
}

.footer-brand .logo-text { color: white; }

.footer-brand p {
    color: rgba(255,255,255,0.6);
    font-size: 15px;
    margin: 16px 0 24px;
    line-height: 1.6;
}

.footer-social {
    display: flex;
    gap: 12px;
}

.footer-social a {
    width: 40px; height: 40px;
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.6);
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--accent);
    color: white;
    transform: translateY(-2px);
}

.footer-links h4 {
    font-size: 15px;
    font-weight: 600;
    color: white;
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer-links a,
.footer-links p {
    display: block;
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    font-size: 15px;
    margin-bottom: 12px;
    transition: var(--transition);
}

.footer-links a:hover { color: var(--accent-light); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
}

.footer-bottom p {
    font-size: 14px;
    color: rgba(255,255,255,0.4);
}

.footer-legal {
    display: flex;
    gap: 24px;
}

.footer-legal a {
    font-size: 14px;
    color: rgba(255,255,255,0.4);
    text-decoration: none;
    transition: var(--transition);
}

.footer-legal a:hover { color: var(--accent-light); }

/* ========================================
   UTILITIES
   ======================================== */
.hidden { display: none !important; }

.btn-loader {
    display: inline-block;
    width: 20px; height: 20px;
    border: 2px solid rgba(255,255,255,0.3);
    border-top-color: white;
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

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

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 1024px) {
    .hero-container {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    .hero-content { text-align: center; }
    .hero-subtitle { margin-left: auto; margin-right: auto; }
    .hero-stats { justify-content: center; }
    .hero-form-wrapper { max-width: 520px; margin: 0 auto; }

    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .features-grid { grid-template-columns: repeat(2, 1fr); }
    .requisiti-grid { grid-template-columns: repeat(2, 1fr); }

    .risparmio-box {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    .risparmio-arrow { transform: rotate(90deg); }

    .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .nav-links { display: none; }
    .mobile-menu-btn { display: flex; }

    .hero { padding: 100px 0 60px; }
    .hero h1 { font-size: 32px; }
    .hero-subtitle { font-size: 17px; }
    .hero-stats { gap: 24px; }
    .stat-num { font-size: 26px; }

    .section-header h2 { font-size: 28px; }

    .steps-grid,
    .features-grid,
    .requisiti-grid { grid-template-columns: 1fr; }

    .form-row { grid-template-columns: 1fr; }
    .radio-group { grid-template-columns: 1fr; }

    .trust-logos { gap: 32px; }
    .trust-num { font-size: 22px; }

    .cta-box h2 { font-size: 26px; }

    .footer-grid { grid-template-columns: 1fr; gap: 40px; }
    .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero h1 { font-size: 26px; }
    .form-card { border-radius: var(--radius); }
    .lead-form { padding: 20px 20px 24px; }
    .form-header { padding: 20px 20px; }
    .form-header h3 { font-size: 18px; }
    .requisito-card { padding-left: 56px; }
    .requisito-icon { left: 16px; }
}