/* =========================================================
   סולידר, ייעוץ משכנתאות ופיננסים
   Design tokens
   ========================================================= */
:root{
  --white:#FFFFFF;
  --charcoal:#1F1F1F;
  --blue:#173B63;
  --sky:#EAF4FB;
  --gray:#F5F6F7;

  --blue-800:#102B49;
  --blue-600:#1E4F82;
  --blue-300:#7FB2DA;
  --mist:#EEF2F6;

  --text:#1F1F1F;
  --muted:#5C6672;
  --line:#E4E8EC;
  --line-strong:#CBD6E0;

  --radius:16px;
  --radius-sm:12px;
  --wrap:1180px;
  --header-h:76px;

  --ease:cubic-bezier(.22,.61,.36,1);
  --shadow-sm:0 1px 2px rgba(23,59,99,.05);
  --shadow-md:0 12px 30px -14px rgba(23,59,99,.22);
  --shadow-lg:0 30px 60px -30px rgba(23,59,99,.35);
}

/* ============ Reset / base ============ */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px);-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:"Heebo",-apple-system,"Segoe UI",Arial,sans-serif;
  font-size:17px;
  line-height:1.75;
  color:var(--text);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4{margin:0;line-height:1.28;font-weight:700;letter-spacing:-.01em}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
button,input,select,textarea{font:inherit;color:inherit}

/* סמן הטקסט מוצג רק בשדות שאפשר להקליד בהם, ולא על טקסט רגיל באתר */
body{caret-color:transparent}
input,textarea,select,[contenteditable]{caret-color:auto}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:24px}
.wrap-narrow{max-width:880px}

.skip-link{
  position:absolute;inset-inline-start:-9999px;top:0;z-index:200;
  background:var(--blue);color:#fff;padding:12px 20px;border-radius:0 0 10px 0;
}
.skip-link:focus{inset-inline-start:0}

:focus-visible{outline:2px solid var(--blue-600);outline-offset:3px;border-radius:6px}

/* ============ Buttons ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 30px;border-radius:10px;border:1px solid transparent;
  font-weight:600;font-size:16px;cursor:pointer;
  transition:background .25s var(--ease),color .25s var(--ease),
             border-color .25s var(--ease),transform .25s var(--ease),box-shadow .25s var(--ease);
}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 22px -14px rgba(23,59,99,.9)}
.btn-primary:hover{background:var(--blue-800);transform:translateY(-2px);box-shadow:0 16px 28px -16px rgba(23,59,99,.85)}
.btn-ghost{background:#fff;color:var(--blue);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--blue);background:var(--sky);transform:translateY(-2px)}
.btn-sm{padding:10px 20px;font-size:15px}
.btn-block{width:100%}

/* ============ Header ============ */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.88);
  backdrop-filter:saturate(180%) blur(12px);
  -webkit-backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid transparent;
  transition:border-color .3s var(--ease),box-shadow .3s var(--ease);
}
.site-header.is-stuck{border-bottom-color:var(--line);box-shadow:0 6px 24px -20px rgba(23,59,99,.6)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:var(--header-h)}

.logo{display:flex;align-items:center;gap:12px}
/* סימן המותג, SVG וקטורי שמקבל את צבעו מההקשר */
.logo-mark{
  width:41px;height:51px;flex:0 0 41px;
  background:url("assets/logo-mark.png") center/contain no-repeat;
}
/* על רקע כהה: אותו קובץ כמסכה, כדי לקבל סימן לבן ללא ריבוע רקע */
.logo-light .logo-mark{
  background:#fff;
  -webkit-mask:url("assets/logo-mark.png") center/contain no-repeat;
          mask:url("assets/logo-mark.png") center/contain no-repeat;
}
.logo-text{display:flex;flex-direction:column;line-height:1.15}
.logo-text strong{font-size:22px;font-weight:800;letter-spacing:.005em;color:var(--charcoal)}
.logo-text small{font-size:11.5px;color:var(--muted);font-weight:400;letter-spacing:.02em;white-space:nowrap}
.logo-light .logo-text strong{color:#fff}
.logo-light .logo-text small{color:rgba(255,255,255,.65)}

.nav{display:flex;align-items:center;gap:30px}
.nav > a:not(.btn){
  font-size:16px;font-weight:500;color:var(--charcoal);position:relative;padding:6px 0;
  transition:color .22s var(--ease);
}
.nav > a:not(.btn)::after{
  content:"";position:absolute;bottom:0;inset-inline-start:0;width:100%;height:2px;
  background:var(--blue);transform:scaleX(0);transform-origin:right;
  transition:transform .3s var(--ease);
}
.nav > a:not(.btn):hover{color:var(--blue)}
.nav > a:not(.btn):hover::after{transform:scaleX(1)}
.nav-cta{margin-inline-start:6px}

.nav-toggle{
  display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;
  background:#fff;cursor:pointer;padding:0;place-content:center;justify-items:center;
}
.nav-toggle span{display:block;width:19px;height:2px;background:var(--charcoal);border-radius:2px;margin:4px auto;transition:transform .3s var(--ease),opacity .2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(10px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-10px) rotate(-45deg)}

/* ============ Section shells ============ */
.section{padding:104px 0}
.section-sky{background:var(--sky)}
.section-mist{background:linear-gradient(180deg,#F2F6FA 0%,#EDF1F6 100%)}

.eyebrow{
  display:inline-block;font-size:13px;font-weight:600;letter-spacing:.09em;
  color:var(--blue-600);text-transform:none;margin-bottom:14px;
}

.section-head{max-width:640px;margin:0 auto 56px;text-align:center}
.section-head h2{font-size:clamp(28px,3.4vw,42px);margin-bottom:14px}
.section-head p{color:var(--muted);font-size:17.5px}

/* ============ 1. HERO ============ */
.hero{position:relative;padding:88px 0 104px;overflow:hidden;background:#fff}
.hero-glow{
  position:absolute;inset-inline-start:-10%;top:-25%;width:70%;height:120%;
  background:radial-gradient(closest-side,rgba(234,244,251,.95),rgba(234,244,251,0) 70%);
  pointer-events:none;
}
.hero-grid{
  position:relative;display:grid;grid-template-columns:1.02fr .98fr;
  gap:64px;align-items:center;
}
.hero-copy h1{font-size:clamp(34px,4.6vw,58px);letter-spacing:-.025em;margin-bottom:22px;text-wrap:balance;position:relative;z-index:1}
.hero-copy h1 .hl{color:var(--blue);white-space:nowrap}
.hero-copy .lead{font-size:19px;color:var(--muted);max-width:560px;margin-bottom:34px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 20px;margin-top:34px}
.hero-points li{display:flex;align-items:center;gap:7px;font-size:14.5px;color:var(--muted)}
.hero-points li::before{
  content:"";width:14px;height:14px;border-radius:50%;flex:0 0 14px;
  background:var(--sky);
  box-shadow:inset 0 0 0 1.5px var(--blue-300);
}
/* בדסקטופ שלוש הנקודות נשארות בשורה אחת */
@media (min-width:901px){
  .hero-points{flex-wrap:nowrap}
  .hero-points li{white-space:nowrap}
}

/* Hero visual */
.hero-visual{position:relative;padding-block:10px}
.hv-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg)}
.hv-main{padding:26px 26px 30px}
.hv-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:22px}
.hv-title{font-weight:700;font-size:17px}
.hv-badge{
  font-size:12px;font-weight:600;color:var(--blue-600);background:var(--sky);
  padding:5px 11px;border-radius:99px;
}
.hv-cap{font-size:12px;color:var(--muted);margin-bottom:14px}
.hv-compare{display:flex;flex-direction:column;gap:14px;margin-bottom:20px}
.hv-crow{display:grid;grid-template-columns:98px 1fr auto;align-items:center;gap:12px}
.hv-crow-label{font-size:12.5px;color:var(--muted);line-height:1.3}
.hv-crow-track{position:relative;height:14px;border-radius:99px;background:var(--gray)}
.hv-crow-track i{
  position:absolute;inset-block:0;inset-inline-start:0;width:var(--w);
  border-radius:99px;transform-origin:right;
  transition:transform 1s var(--ease);
}
.js .hv-crow-track i{transform:scaleX(0)}
.hero-visual.is-in .hv-crow-track i{transform:scaleX(1)}
.hero-visual.is-in .hv-fill-b{transition-delay:.18s}
.hv-fill-a{background:var(--line-strong)}
.hv-fill-b{background:linear-gradient(90deg,var(--blue-600),var(--blue))}
.hv-crow-val{font-size:17px;font-weight:700;color:var(--muted);letter-spacing:-.01em;white-space:nowrap}
.hv-crow-val-after{color:var(--blue);font-size:19px;font-weight:800}
.hv-delta{
  align-self:flex-end;font-size:12px;font-weight:600;color:#2E7D5B;
  background:#EAF6EF;padding:4px 11px;border-radius:99px;
}

.hv-total{
  margin-top:16px;padding:16px 18px;border-radius:14px;background:var(--sky);
  display:flex;flex-direction:column;gap:2px;text-align:center;
}
.hv-total-label{font-size:12.5px;color:var(--blue-600);font-weight:600}
.hv-total-val{
  font-size:clamp(28px,3vw,34px);font-weight:800;color:var(--blue);
  letter-spacing:-.025em;line-height:1.2;
}


/* ============ 2. SERVICES ============ */
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;display:flex;flex-direction:column;
  transition:transform .3s var(--ease),border-color .3s var(--ease),box-shadow .3s var(--ease);
}
.card-icon{
  width:50px;height:50px;border-radius:13px;display:grid;place-items:center;
  background:var(--sky);color:var(--blue);margin-bottom:20px;
  transition:background .3s var(--ease),color .3s var(--ease),transform .3s var(--ease);
}
.card-icon svg{width:24px;height:24px}
.card h3{font-size:19.5px;margin-bottom:10px}
.card p{color:var(--muted);font-size:15.5px;line-height:1.72;flex:1}
.card:hover{transform:translateY(-5px);border-color:var(--line-strong);box-shadow:var(--shadow-md)}
.card:hover .card-icon{background:var(--blue);color:#fff;transform:scale(1.04)}

/* ============ 3. WHY US ============ */
.why-grid{display:grid;grid-template-columns:.86fr 1.14fr;gap:70px;align-items:start}
.why-intro h2{font-size:clamp(28px,3.4vw,42px);margin-bottom:16px}
.why-intro p{color:var(--muted);margin-bottom:28px}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:30px 34px}
.why-list li{display:flex;gap:15px}
.why-icon{
  width:42px;height:42px;flex:0 0 42px;border-radius:11px;display:grid;place-items:center;
  background:#fff;color:var(--blue);box-shadow:var(--shadow-sm);border:1px solid rgba(23,59,99,.08);
}
.why-icon svg{width:21px;height:21px}
.why-list h3{font-size:17px;margin-bottom:5px}
.why-list p{font-size:14.8px;color:var(--muted);line-height:1.65}

/* ============ 4. PROCESS ============ */
.steps{position:relative;display:grid;grid-template-columns:repeat(5,1fr);gap:22px}
.steps-line{
  position:absolute;top:26px;inset-inline:10%;height:2px;background:var(--line);
  border-radius:2px;overflow:hidden;
}
.steps-line i{
  display:block;height:100%;width:100%;background:linear-gradient(90deg,var(--blue-300),var(--blue));
  transform-origin:right;
  transition:transform 1.4s var(--ease) .2s;
}
.js .steps-line i{transform:scaleX(0)}
.steps.is-in .steps-line i{transform:scaleX(1)}

.steps li{position:relative;text-align:center;padding:0 6px}
.step-num{
  width:54px;height:54px;margin:0 auto 18px;border-radius:50%;
  display:grid;place-items:center;background:#fff;border:2px solid var(--blue);
  color:var(--blue);font-weight:800;font-size:19px;position:relative;z-index:1;
  box-shadow:0 0 0 8px #fff;
}
.step-icon{
  width:34px;height:34px;margin:0 auto 12px;display:grid;place-items:center;
  color:var(--blue-600);
}
.step-icon svg{width:26px;height:26px}
.steps h3{font-size:16.5px;margin-bottom:7px}
.steps p{font-size:14.5px;color:var(--muted);line-height:1.65}

/* ============ 5. TRUST ============ */
.tst-grid{margin-bottom:70px}
.tst{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;display:flex;flex-direction:column;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s var(--ease);
}
.tst:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--line-strong)}
.tst-quote{color:var(--blue-300);margin-bottom:16px}
.tst-quote svg{width:28px;height:28px}
.tst > p{font-size:16px;color:var(--charcoal);line-height:1.8;flex:1}
.tst footer{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);display:flex;flex-direction:column}
.tst footer strong{font-size:15.5px}
.tst footer span{font-size:13.5px;color:var(--muted)}

.stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:20px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:40px 30px;margin-bottom:70px;box-shadow:var(--shadow-sm);
}
.stat{text-align:center;position:relative}
.stat + .stat::before{
  content:"";position:absolute;inset-inline-end:-10px;top:12%;height:76%;width:1px;background:var(--line);
}
.stat-num{
  display:flex;align-items:baseline;justify-content:center;gap:6px;
  font-size:clamp(30px,3.6vw,42px);font-weight:800;color:var(--blue);letter-spacing:-.02em;line-height:1.1;
}
.stat-num i{font-style:normal;font-size:.45em;font-weight:600;color:var(--blue-600)}
.stat-label{display:block;margin-top:8px;font-size:14.5px;color:var(--muted)}

.banks{text-align:center}
.banks-title{font-size:19px;margin-bottom:26px;font-weight:600;color:var(--charcoal)}
.marquee{
  position:relative;overflow:hidden;
  -webkit-mask:linear-gradient(90deg,transparent,#000 9%,#000 91%,transparent);
          mask:linear-gradient(90deg,transparent,#000 9%,#000 91%,transparent);
}
.marquee-track{display:flex;width:max-content;animation:marquee 42s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-group{display:flex;align-items:center;gap:16px;padding-inline:8px}
/* RTL: the track is anchored to the right edge, so it has to travel *right*.
   A negative shift slides it away from the anchor and opens a growing gap.
   Three groups, moved by exactly one group (100%/3), so the seam never shows. */
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(calc(100% / 3))}}

.bank-logo{
  display:grid;place-items:center;min-width:220px;height:74px;padding:0 20px;
  background:#fff;border:1px solid var(--line);border-radius:12px;
  font-size:16px;font-weight:600;color:#78838F;letter-spacing:.01em;
  transition:color .3s var(--ease),border-color .3s var(--ease);
}
.bank-logo:hover{color:var(--blue);border-color:var(--line-strong)}
/* full logos carry the bank name, so they are wide — cap the height and let
   the width fall out of the aspect ratio, which keeps the row optically even */
.bank-logo img{height:34px;width:auto;max-width:100%;object-fit:contain;display:block}

/* ============ 6. FAQ ============ */
.faq{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line);transition:background .3s var(--ease)}
.faq-item.is-open{background:#fff}
.faq-q{
  width:100%;background:none;border:0;cursor:pointer;text-align:start;
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding:22px 6px;font-size:17.5px;font-weight:600;line-height:1.5;
  transition:color .25s var(--ease);
}
.faq-q:hover{color:var(--blue)}
.faq-item.is-open .faq-q{color:var(--blue)}
.faq-sign{
  position:relative;width:24px;height:24px;flex:0 0 24px;border-radius:50%;
  background:var(--gray);transition:background .3s var(--ease),transform .3s var(--ease);
}
.faq-sign::before,.faq-sign::after{
  content:"";position:absolute;inset:50% auto auto 50%;translate:-50% -50%;
  background:currentColor;border-radius:2px;
}
.faq-sign::before{width:11px;height:2px}
.faq-sign::after{width:2px;height:11px;transition:transform .3s var(--ease),opacity .25s var(--ease)}
.faq-item.is-open .faq-sign{background:var(--sky)}
.faq-item.is-open .faq-sign::after{transform:rotate(90deg);opacity:0}

.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .38s var(--ease)}
.faq-item.is-open .faq-a{grid-template-rows:1fr}
.faq-a > div{overflow:hidden}
.faq-a p{
  padding:0 6px 24px;color:var(--muted);font-size:16px;max-width:74ch;
  opacity:0;transform:translateY(-4px);
  transition:opacity .3s var(--ease) .06s,transform .3s var(--ease) .06s;
}
.faq-item.is-open .faq-a p{opacity:1;transform:none}

/* ============ 7. CONTACT ============ */
.contact{background:var(--blue);color:#fff;padding:100px 0;position:relative;overflow:hidden}
.contact::before{
  content:"";position:absolute;inset-inline-end:-8%;top:-40%;width:60%;height:150%;
  background:radial-gradient(closest-side,rgba(127,178,218,.22),transparent 70%);
  pointer-events:none;
}
.contact-grid{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.contact-copy h2{font-size:clamp(26px,3.1vw,38px);line-height:1.35;margin-bottom:18px}
.contact-copy > p{color:rgba(255,255,255,.78);font-size:17.5px;max-width:520px}
.contact-list{margin-top:34px;display:flex;flex-direction:column;gap:16px}
.contact-list li{display:flex;align-items:center;gap:13px}
.contact-list a{font-size:16.5px;color:#fff;border-bottom:1px solid transparent;transition:border-color .25s var(--ease),color .25s var(--ease)}
.contact-list a:hover{border-bottom-color:rgba(255,255,255,.7)}
.ci{
  width:42px;height:42px;flex:0 0 42px;border-radius:11px;display:grid;place-items:center;
  background:rgba(255,255,255,.1);color:#fff;
}
.ci svg{width:20px;height:20px}

.form-card{
  background:#fff;border-radius:20px;padding:34px 32px;
  box-shadow:0 40px 70px -35px rgba(0,0,0,.5);color:var(--text);
}
.field{display:flex;flex-direction:column;margin-bottom:18px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field label{font-size:14.5px;font-weight:600;margin-bottom:7px}
.field .opt{font-weight:400;color:var(--muted);font-size:13px}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line-strong);border-radius:10px;
  background:#fff;font-size:15.5px;transition:border-color .25s var(--ease),box-shadow .25s var(--ease);
}
.field textarea{resize:vertical;min-height:92px;font-family:inherit}
.field select{appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'><path d='M1 1.5 6 6.5l5-5' fill='none' stroke='%235C6672' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat:no-repeat;background-position:left 15px center;background-size:12px;padding-inline-end:15px;padding-inline-start:40px;
}
.field input::placeholder,.field textarea::placeholder{color:#A6AEB8}
/* טלפון ומייל: תוכן לטיני שנקרא משמאל לימין, אך מיושר לימין כמו שאר הטופס */
.field input[type="tel"],
.field input[type="email"]{direction:ltr;text-align:right}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,59,99,.1);
}
.field.has-error input,.field.has-error select{border-color:#C0392B;box-shadow:0 0 0 3px rgba(192,57,43,.09)}
.err{font-size:13px;color:#C0392B;min-height:0;margin-top:5px;display:none}
.field.has-error .err{display:block}
.form-legal{font-size:12.5px;color:var(--muted);text-align:center;margin-top:14px;line-height:1.6}
/* שדה המלכודת חייב להיות בלתי נראה אך קיים ב-DOM עבור בוטים */
.hp{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.form-error{
  margin-top:14px;padding:13px 16px;border-radius:10px;background:#FDECEA;color:#A5342A;
  font-size:15px;font-weight:600;text-align:center;
}
.btn[aria-busy="true"]{opacity:.75;pointer-events:none}
.form-success{
  margin-top:14px;padding:13px 16px;border-radius:10px;background:#EAF6EF;color:#1E6B45;
  font-size:15px;font-weight:600;text-align:center;
}

/* ============ דפי מידע: מדיניות פרטיות ותנאי שימוש ============ */
.site-header--legal .btn{white-space:nowrap}
/* במסך צר ההדר של דפי המידע נשאר בשורה אחת */
@media (max-width:560px){
  .site-header--legal .logo-text small{display:none}
}
.legal{padding:64px 0 88px}
.legal h1{font-size:clamp(30px,3.6vw,42px);margin-bottom:10px}
.legal-updated{font-size:14px;color:var(--muted);margin-bottom:34px}
.legal h2{
  font-size:19px;margin:36px 0 12px;color:var(--blue);
  padding-top:22px;border-top:1px solid var(--line);
}
.legal h2:first-of-type{border-top:0;padding-top:0;margin-top:0}
.legal p{color:var(--muted);font-size:16.5px;margin-bottom:12px;max-width:72ch}
.legal ul{margin:0 0 14px;padding-inline-start:0;max-width:72ch}
.legal li{
  position:relative;color:var(--muted);font-size:16.5px;
  padding-inline-start:20px;margin-bottom:7px;
}
.legal li::before{
  content:"";position:absolute;inset-inline-start:4px;top:.72em;
  width:6px;height:6px;border-radius:50%;background:var(--blue-300);
}
.legal a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.legal strong{color:var(--charcoal)}
.legal-draft{
  background:var(--sky);border-radius:var(--radius);padding:20px 22px;margin-bottom:36px;
}
.legal-draft strong{display:block;margin-bottom:6px;color:var(--blue)}
.legal-draft p{margin:0;font-size:15.5px}

/* ============ 8. FOOTER ============ */
.site-footer{background:var(--charcoal);color:rgba(255,255,255,.72);padding:70px 0 0;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:44px;padding-bottom:50px}
.footer-brand p{margin-top:18px;max-width:330px;font-size:14.5px;line-height:1.75;color:rgba(255,255,255,.55)}
.footer-col{display:flex;flex-direction:column;gap:11px}
.footer-col h4{font-size:15px;color:#fff;margin-bottom:6px;font-weight:600}
.footer-col a{color:rgba(255,255,255,.68);font-size:14.8px;width:fit-content;transition:color .22s var(--ease),transform .22s var(--ease)}
.footer-col a:hover{color:var(--blue-300);transform:translateX(-3px)}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);padding-block:22px;
}
.footer-bottom p{font-size:13.5px;color:rgba(255,255,255,.45);text-align:center}

/* ============ Reveal animations ============ */
/* ללא JS התוכן מוצג כרגיל, ההסתרה חלה רק כאשר JS פעיל */
.js [data-reveal]{
  opacity:0;transform:translateY(20px);
  transition:opacity .75s var(--ease),transform .75s var(--ease);
  transition-delay:var(--d,0s);
}
[data-reveal].is-in{opacity:1;transform:none}

/* ============ Responsive ============ */
@media (max-width:1080px){
  .why-grid{grid-template-columns:1fr;gap:44px}
  .hero-grid{gap:44px}
}

@media (max-width:900px){
  body{font-size:16.5px}
  .section{padding:78px 0}
  .hero{padding:56px 0 78px}
  .hero-grid{grid-template-columns:1fr;gap:52px}
  .hero-copy .lead{max-width:none}
  .hero-visual{max-width:520px;margin-inline:auto;width:100%}
  .cards-grid{grid-template-columns:repeat(2,1fr)}
  .contact-grid{grid-template-columns:1fr;gap:44px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:36px}

  /* Nav → mobile drawer */
  .nav-toggle{display:grid}
  .nav{
    position:fixed;inset:var(--header-h) 0 auto 0;flex-direction:column;align-items:stretch;
    gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 22px;
    box-shadow:0 20px 40px -26px rgba(23,59,99,.5);
    clip-path:inset(0 0 100% 0);opacity:0;pointer-events:none;
    transition:clip-path .38s var(--ease),opacity .25s var(--ease);
  }
  .nav.is-open{clip-path:inset(0 0 0 0);opacity:1;pointer-events:auto}
  .nav > a:not(.btn){padding:14px 2px;border-bottom:1px solid var(--line)}
  .nav > a:not(.btn)::after{display:none}
  .nav-cta{margin:16px 0 0}

  /* Process → vertical */
  .steps{grid-template-columns:1fr;gap:30px}
  .steps-line{
    top:34px;bottom:34px;height:auto;width:2px;
    inset-inline-start:26px;inset-inline-end:auto;
  }
  .steps-line i{width:100%;height:100%;background:linear-gradient(180deg,var(--blue-300),var(--blue));
    transform-origin:top}
  .js .steps-line i{transform:scaleY(0)}
  .steps.is-in .steps-line i{transform:scaleY(1)}
  .steps li{
    display:grid;grid-template-columns:54px 1fr;grid-template-areas:"num icon" "num title" "num text";
    gap:0 18px;text-align:start;padding:0;
  }
  .step-num{grid-area:num;margin:0}
  .step-icon{grid-area:icon;margin:0 0 8px;justify-self:start}
  .steps h3{grid-area:title}
  .steps p{grid-area:text}

  .stats{grid-template-columns:repeat(2,1fr);gap:32px 20px;padding:34px 22px}
  .stat:nth-child(3)::before{display:none}
}

@media (max-width:640px){
  .section{padding:66px 0}
  .section-head{margin-bottom:40px}
  .cards-grid{grid-template-columns:1fr}
  .why-list{grid-template-columns:1fr;gap:26px}
  .field-row{grid-template-columns:1fr;gap:0}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .form-card{padding:26px 20px}
  .btn{width:100%}
  .hero-actions{flex-direction:column;align-items:stretch}
  .stat + .stat::before{display:none}
  .bank-logo{min-width:186px;height:66px;font-size:15px;padding:0 16px}
  .bank-logo img{height:29px}
}

/* ============ Motion preferences ============ */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{
    animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important;
  }
  .js [data-reveal]{opacity:1;transform:none}
  .marquee-track{animation:none}
  .js .hv-crow-track i{transform:scaleX(1)}
  .js .steps-line i{transform:none}
}