/* ═══════════════════════════════
   REFI GOLD – MAIN CSS
   Mobile-first, RTL
═══════════════════════════════ */
:root {
  --navy:    #1B2A4A;
  --navy2:   #243559;
  --gold:    #C9922A;
  --gold2:   #E0AE50;
  --cream:   #F5EDD8;
  --white:   #FFFFFF;
  --offwhite:#F8F6F2;
  --gray:    #6B7A99;
  --border:  #E2D9C5;
  --text:    #1B2A4A;
  --muted:   #7A8AAA;
  --green:   #2AA87A;

  --r: 10px;
  --r2: 16px;
  --sh: 0 4px 24px rgba(27,42,74,.10);
  --sh2: 0 8px 40px rgba(27,42,74,.18);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; max-width: 100vw; }

body {
  font-family: 'Assistant', 'Heebo', Arial, sans-serif;
  background: var(--offwhite);
  color: var(--text);
  direction: rtl;
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4 { font-family: 'Heebo', 'Assistant', Arial, sans-serif; font-weight: 900; line-height: 1.15; }

/* ══════════════════════════════
   NAV
══════════════════════════════ */
.rn {
  background: var(--navy);
  padding: 0 20px;
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}
.rn-inner {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
  gap: 16px;
}
.rn-logo {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 1.45rem;
  color: var(--white);
  letter-spacing: -0.5px;
  flex-shrink: 0;
}
.rn-logo span { color: var(--gold2); }
.rn-links {
  display: none;
  gap: 28px;
}
.rn-links a {
  color: rgba(255,255,255,.7);
  font-size: 0.9rem;
  font-weight: 600;
  transition: color .2s;
}
.rn-links a:hover { color: var(--white); }
.rn-cta {
  background: var(--gold);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: 8px;
  font-weight: 700 !important;
  font-size: 0.88rem;
  white-space: nowrap;
  transition: background .2s;
}
.rn-cta:hover { background: var(--gold2) !important; }

@media (min-width: 768px) {
  .rn { padding: 0 32px; }
  .rn-inner { height: 68px; }
  .rn-links { display: flex; }
  .rn-logo { font-size: 1.6rem; }
}

/* ══════════════════════════════
   HERO
══════════════════════════════ */
.rh {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 48px 20px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.rh::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.rh-inner {
  position: relative;
  max-width: 960px;
  margin: 0 auto;
}

/* תמונת פרופיל מובייל */
.rh-photo {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  border: 3px solid var(--gold2);
  margin: 0 auto 20px;
  box-shadow: 0 4px 20px rgba(0,0,0,.3);
}

.rh-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(201,146,42,.15);
  border: 1px solid rgba(201,146,42,.35);
  color: var(--gold2);
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: .5px;
  margin-bottom: 18px;
}
.rh-badge .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold2);
  animation: blink 2s infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.3} }

.rh h1 {
  font-size: clamp(1.7rem, 6vw, 3.2rem);
  color: var(--white);
  margin-bottom: 14px;
  letter-spacing: -1px;
}
.rh h1 em { font-style: normal; color: var(--gold2); }
.rh-sub {
  color: rgba(255,255,255,.65);
  font-size: clamp(0.95rem, 3vw, 1.1rem);
  max-width: 500px;
  margin: 0 auto 28px;
  font-weight: 300;
  line-height: 1.7;
}

.rh-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: center;
}

/* מידרג strip בתוך ה-hero */
.rh-madrag {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  padding: 12px 20px;
  margin-top: 28px;
}
.rh-madrag-score {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 1.8rem;
  color: var(--gold2);
  line-height: 1;
  letter-spacing: -1px;
}
.rh-madrag-right { text-align: right; }
.rh-madrag-stars { color: var(--gold2); font-size: 0.85rem; letter-spacing: 2px; }
.rh-madrag-label { font-size: 0.75rem; color: rgba(255,255,255,.55); margin-top: 2px; }
.rh-madrag-check { font-size: 0.72rem; color: var(--green); font-weight: 700; margin-top: 2px; }

@media (min-width: 768px) {
  .rh { padding: 60px 32px 56px; text-align: right; }
  .rh-inner { display: grid; grid-template-columns: 1fr 280px; align-items: center; gap: 48px; }
  .rh-photo { width: 240px; height: 280px; border-radius: var(--r2); margin: 0; order: 2; }
  .rh-content { order: 1; }
  .rh-actions { flex-direction: row; justify-content: flex-start; }
  .rh-madrag { margin-top: 32px; }
}

/* ══════════════════════════════
   BUTTONS
══════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--r);
  font-family: 'Assistant', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: all .2s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-gold  { background: var(--gold); color: var(--white); box-shadow: 0 4px 16px rgba(201,146,42,.35); }
.btn-gold:hover  { background: #B07820; transform: translateY(-1px); }
.btn-navy  { background: var(--navy); color: var(--white); }
.btn-navy:hover  { background: var(--navy2); }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-ghost { background: rgba(255,255,255,.1); color: var(--white); border: 1px solid rgba(255,255,255,.2); }
.btn-ghost:hover { background: rgba(255,255,255,.18); }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; }

/* ══════════════════════════════
   STATS STRIP
══════════════════════════════ */
.rs {
  background: var(--white);
  border-bottom: 3px solid var(--gold);
  box-shadow: var(--sh);
}
.rs-inner {
  max-width: 960px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  padding: 0;
}
.rs-item {
  padding: 20px 16px;
  text-align: center;
  border-left: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.rs-item:nth-child(2n) { border-left: none; }
.rs-item:nth-last-child(-n+2) { border-bottom: none; }
.rs-num {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 1.9rem;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -1px;
}
.rs-num em { color: var(--gold); font-style: normal; }
.rs-label { font-size: 0.78rem; color: var(--muted); margin-top: 4px; font-weight: 600; }

@media (min-width: 600px) {
  .rs-inner { grid-template-columns: repeat(4, 1fr); }
  .rs-item { border-bottom: none; }
  .rs-item:nth-child(2n) { border-left: 1px solid var(--border); }
  .rs-item:last-child { border-left: none; }
}
@media (min-width: 768px) {
  .rs-item { padding: 28px 24px; }
  .rs-num { font-size: 2.4rem; }
}

/* ══════════════════════════════
   SECTIONS
══════════════════════════════ */
.sec { padding: 56px 20px; }
.sec-white { background: var(--white); }
.sec-off   { background: var(--offwhite); }
.sec-navy  { background: var(--navy); }
.wrap { max-width: 960px; margin: 0 auto; }
.con  { max-width: 960px; margin: 0 auto; padding: 0 20px; width: 100%; }

.sec-tag {
  display: inline-block;
  background: rgba(201,146,42,.12);
  color: var(--gold);
  border: 1px solid rgba(201,146,42,.3);
  padding: 4px 14px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1px;
  margin-bottom: 14px;
  text-transform: uppercase;
}
.sec-h {
  font-size: clamp(1.5rem, 4vw, 2.4rem);
  color: var(--navy);
  margin-bottom: 10px;
  letter-spacing: -.5px;
}
.sec-h.light { color: var(--white); }
.sec-sub {
  font-size: 1rem;
  color: var(--muted);
  margin-bottom: 40px;
  max-width: 520px;
  font-weight: 400;
  line-height: 1.7;
}
.sec-sub.light { color: rgba(255,255,255,.6); }
.center { text-align: center; }
.center .sec-sub { margin-inline: auto; }

@media (min-width: 768px) {
  .sec { padding: 80px 32px; }
}

/* ══════════════════════════════
   HOW IT WORKS
══════════════════════════════ */
.steps {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  counter-reset: step;
}
.step {
  background: var(--white);
  border-radius: var(--r2);
  padding: 24px 20px;
  box-shadow: var(--sh);
  position: relative;
  border-top: 3px solid var(--gold);
}
.step-n {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 2.8rem;
  color: var(--gold);
  opacity: 0.55;
  line-height: 1;
  margin-bottom: 10px;
  letter-spacing: -2px;
}
.step h4 { font-size: 1rem; color: var(--navy); margin-bottom: 6px; }
.step p  { font-size: 0.85rem; color: var(--muted); line-height: 1.6; }

@media (min-width: 768px) {
  .steps { grid-template-columns: repeat(4, 1fr); }
}

/* ══════════════════════════════
   PACKAGES
══════════════════════════════ */
.pkgs {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
.pkg {
  background: var(--white);
  border-radius: var(--r2);
  padding: 32px 28px;
  border: 2px solid var(--border);
  box-shadow: var(--sh);
  position: relative;
  transition: border-color .2s, box-shadow .2s;
}
.pkg:hover { border-color: var(--gold); box-shadow: var(--sh2); }
.pkg.best {
  border-color: var(--gold);
  background: linear-gradient(160deg, #fffbf2 0%, var(--white) 100%);
}
.pkg-star {
  position: absolute;
  top: -13px; right: 24px;
  background: var(--gold);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 100px;
}
.pkg-icon { font-size: 2rem; margin-bottom: 12px; }
.pkg-name { font-size: 1.25rem; color: var(--navy); margin-bottom: 6px; }
.pkg-desc { font-size: 0.88rem; color: var(--muted); margin-bottom: 22px; line-height: 1.6; }
.pkg-price { margin-bottom: 22px; padding-bottom: 22px; border-bottom: 1px solid var(--border); }
.pkg-price-main {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 2.6rem;
  color: var(--navy);
  letter-spacing: -1.5px;
  line-height: 1;
}
.pkg-price-sub { font-size: 0.82rem; color: var(--muted); margin-top: 4px; }
.pkg-price-note { font-size: 0.82rem; color: var(--gold); font-weight: 700; margin-top: 3px; }
.pkg-feats { list-style: none; margin-bottom: 28px; }
.pkg-feats li {
  padding: 8px 0;
  font-size: 0.9rem;
  color: var(--text);
  border-bottom: 1px solid #f0ece4;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.pkg-feats li:last-child { border-bottom: none; }
.pkg-feats li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ── כפתורי חבילות ── */
.pkg-btn {
  display: block;
  width: 100%;
  padding: 14px;
  border-radius: var(--r);
  font-family: 'Assistant', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  text-align: center;
  text-decoration: none;
  border: none;
  transition: all .2s;
}
.pkg-btn.outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.pkg-btn.outline:hover { background: var(--navy); color: var(--white); }
.pkg-btn.primary {
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(201,146,42,.35);
}
.pkg-btn.primary:hover { background: #B07820; color: var(--white); }

@media (min-width: 768px) {
  .pkgs { grid-template-columns: 1fr 1fr; max-width: 840px; margin-inline: auto; }
}

/* ══════════════════════════════
   INCLUDES / WHY US
══════════════════════════════ */
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
.why-box {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r2);
  padding: 28px 24px;
}
.why-box h3 {
  font-size: 1.05rem;
  color: var(--white);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.why-list { list-style: none; }
.why-list li {
  padding: 8px 0;
  font-size: 0.9rem;
  color: rgba(255,255,255,.7);
  border-bottom: 1px solid rgba(255,255,255,.06);
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.why-list li:last-child { border-bottom: none; }
.why-list li .ic { color: var(--gold2); flex-shrink: 0; }

@media (min-width: 768px) {
  .why-grid { grid-template-columns: 1fr 1fr; }
}

/* ══════════════════════════════
   QUESTIONNAIRE
══════════════════════════════ */
.qcard {
  background: var(--white);
  border-radius: var(--r2);
  box-shadow: var(--sh2);
  overflow: hidden;
  max-width: 720px;
  margin: 0 auto;
}
.qcard-head {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 24px 28px;
  color: var(--white);
}
.qcard-head h3 { font-size: 1.15rem; margin-bottom: 4px; }
.qcard-head p  { font-size: 0.82rem; opacity: .65; }
.qprogress { height: 4px; background: rgba(255,255,255,.15); border-radius: 2px; margin-top: 14px; }
.qprogress-bar { height: 100%; background: var(--gold2); border-radius: 2px; transition: width .4s ease; }
.qbody { padding: 28px 24px; }

@media (min-width: 600px) {
  .qcard-head { padding: 28px 36px; }
  .qbody { padding: 32px 36px; }
}

.qstep { display: none; }
.qstep.active { display: block; }
.qstep h4 { font-size: 1rem; color: var(--navy); margin-bottom: 4px; }
.qstep .hint { font-size: 0.82rem; color: var(--muted); margin-bottom: 20px; }

.fgrid { display: grid; grid-template-columns: 1fr; gap: 14px; margin-bottom: 20px; }
@media (min-width: 500px) { .fgrid { grid-template-columns: 1fr 1fr; } }

.fg { display: flex; flex-direction: column; gap: 5px; }
.fg label { font-size: 0.83rem; font-weight: 700; color: var(--text); }
.fg input, .fg select, .fg textarea {
  padding: 11px 13px;
  border: 2px solid var(--border);
  border-radius: 8px;
  font-family: 'Assistant', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s;
  direction: rtl;
  width: 100%;
}
.fg input:focus, .fg select:focus, .fg textarea:focus { outline: none; border-color: var(--gold); }
.fg .sub { font-size: 0.75rem; color: var(--muted); }

.track-row { background: var(--offwhite); border-radius: var(--r); padding: 14px; margin-bottom: 10px; }
.track-row-title { font-weight: 700; font-size: 0.88rem; color: var(--navy); margin-bottom: 10px; display: flex; justify-content: space-between; align-items: center; }
.track-row-title button { background: none; border: none; color: var(--muted); cursor: pointer; font-size: 1.1rem; padding: 0; }
.add-track { background: transparent; border: 2px dashed var(--gold); color: var(--gold); padding: 10px; border-radius: 8px; width: 100%; cursor: pointer; font-family: 'Assistant', sans-serif; font-weight: 700; font-size: 0.88rem; margin-top: 6px; transition: background .2s; }
.add-track:hover { background: rgba(201,146,42,.07); }

.tgroup { display: flex; gap: 10px; margin-top: 6px; flex-wrap: wrap; }
.topt { flex: 1; min-width: 80px; padding: 10px 6px; border: 2px solid var(--border); border-radius: 8px; text-align: center; cursor: pointer; font-weight: 600; font-size: 0.85rem; color: var(--muted); transition: all .2s; }
.topt.on { border-color: var(--gold); background: rgba(201,146,42,.08); color: var(--gold); }

.file-drop { border: 2px dashed var(--border); border-radius: var(--r); padding: 24px 16px; text-align: center; cursor: pointer; transition: all .2s; }
.file-drop:hover { border-color: var(--gold); background: rgba(201,146,42,.04); }
.file-drop input { display: none; }
.file-drop-icon { font-size: 1.8rem; margin-bottom: 6px; }
.file-drop p { font-size: 0.82rem; color: var(--muted); }
.file-name { font-size: 0.82rem; color: var(--gold); font-weight: 700; margin-top: 6px; display: none; }

.qnav { display: flex; justify-content: space-between; align-items: center; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--border); gap: 12px; }
.qbtn { padding: 11px 24px; border-radius: 8px; font-family: 'Assistant', sans-serif; font-weight: 700; font-size: 0.92rem; cursor: pointer; border: none; transition: all .2s; }
.qbtn.back { background: var(--offwhite); color: var(--muted); }
.qbtn.next { background: var(--navy); color: var(--white); }
.qbtn.next:hover { background: var(--navy2); }
.qbtn.go   { background: var(--gold); color: var(--white); }
.qbtn.go:hover { background: #B07820; }
.qstep-cnt { font-size: 0.8rem; color: var(--muted); }

/* ══════════════════════════════
   PENDING PAYMENT
══════════════════════════════ */
.pending-card {
  background: var(--white);
  border-radius: var(--r2);
  box-shadow: var(--sh2);
  max-width: 560px;
  margin: 0 auto;
  overflow: hidden;
}
.pending-head {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  padding: 32px 28px;
  text-align: center;
  color: var(--white);
}
.pending-head h2 { font-size: 1.4rem; margin-bottom: 6px; }
.pending-body { padding: 28px 24px; text-align: center; }
.pending-list {
  background: var(--offwhite);
  border-radius: var(--r);
  padding: 18px 20px;
  margin-bottom: 24px;
  text-align: right;
  font-size: 0.9rem;
  color: var(--text);
  line-height: 2;
}

/* ══════════════════════════════
   RESULTS
══════════════════════════════ */
.result-card {
  background: var(--white);
  border-radius: var(--r2);
  box-shadow: var(--sh2);
  max-width: 720px;
  margin: 0 auto;
  overflow: hidden;
}
.result-head {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  padding: 28px 24px;
  text-align: center;
  color: var(--white);
}
.result-head h2 { font-size: 1.4rem; margin-bottom: 4px; }
.result-body { padding: 24px 20px; }
@media (min-width: 600px) { .result-body { padding: 32px 36px; } }

.savings-hero {
  background: linear-gradient(135deg, rgba(201,146,42,.1), rgba(201,146,42,.04));
  border: 2px solid var(--gold);
  border-radius: 14px;
  padding: 24px;
  text-align: center;
  margin-bottom: 24px;
}
.savings-lbl { font-size: 0.82rem; color: var(--muted); margin-bottom: 4px; }
.savings-big {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 3rem;
  color: var(--gold);
  letter-spacing: -2px;
  line-height: 1;
}
.savings-yr { font-size: 0.82rem; color: var(--muted); margin-top: 4px; }

.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 24px; }
.rg-item { background: var(--offwhite); border-radius: var(--r); padding: 16px; }
.rg-label { font-size: 0.75rem; color: var(--muted); margin-bottom: 4px; }
.rg-val { font-family: 'Heebo', sans-serif; font-weight: 700; font-size: 1.15rem; color: var(--navy); }
.rg-note { font-size: 0.75rem; color: var(--gold); margin-top: 2px; }

.track-recs h4 { font-size: 0.95rem; color: var(--navy); margin-bottom: 12px; font-weight: 700; }
.track-rec-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  margin-bottom: 8px;
}
.trr-name { font-weight: 700; font-size: 0.88rem; color: var(--navy); }
.trr-change { font-size: 0.78rem; color: var(--muted); margin-top: 2px; }
.trr-rate { color: var(--green); font-weight: 700; font-size: 0.95rem; white-space: nowrap; }

.letter-box {
  background: var(--offwhite);
  border-radius: var(--r);
  padding: 22px;
  margin-top: 24px;
  font-size: 0.88rem;
  line-height: 1.85;
  color: var(--text);
}
.letter-box h4 { font-size: 0.92rem; color: var(--navy); margin-bottom: 12px; font-weight: 700; }
.letter-box pre { white-space: pre-wrap; font-family: 'Assistant', sans-serif; }

.ins-note { background: #FFF8E7; border: 1px solid #E8C96A; border-radius: var(--r); padding: 14px 16px; margin-top: 16px; font-size: 0.88rem; }

.result-ctas { display: grid; grid-template-columns: 1fr; gap: 10px; margin-top: 24px; }
@media (min-width: 500px) { .result-ctas { grid-template-columns: repeat(3, 1fr); } }

/* ══════════════════════════════
   TESTIMONIALS
══════════════════════════════ */
.testi-madrag {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px 22px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}
.tm-score {
  font-family: 'Heebo', sans-serif;
  font-weight: 900;
  font-size: 2.6rem;
  color: var(--gold);
  letter-spacing: -1px;
  line-height: 1;
}
.tm-right { flex: 1; min-width: 160px; }
.tm-stars { color: var(--gold); font-size: 0.9rem; letter-spacing: 2px; }
.tm-label { font-size: 0.78rem; color: var(--muted); margin-top: 3px; }
.tm-check { font-size: 0.75rem; color: var(--green); font-weight: 700; margin-top: 2px; }
.tm-link  { font-size: 0.82rem; }

.tgrid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 600px) { .tgrid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 900px) { .tgrid { grid-template-columns: repeat(3, 1fr); } }

.tcard {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r2);
  padding: 22px;
  transition: border-color .2s, box-shadow .2s;
}
.tcard:hover { border-color: var(--gold); box-shadow: var(--sh); }
.tcard-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 10px; }
.tstars { color: var(--gold); font-size: 0.8rem; letter-spacing: 2px; }
.tscore { background: rgba(201,146,42,.1); border: 1px solid rgba(201,146,42,.25); color: var(--gold); padding: 2px 9px; border-radius: 20px; font-size: 0.72rem; font-weight: 700; }
.tq { font-size: 1.6rem; color: var(--gold); font-family: Georgia, serif; line-height: 1; margin-bottom: 8px; }
.tbody { font-size: 0.88rem; color: var(--muted); line-height: 1.65; margin-bottom: 16px; }
.tfoot { display: flex; justify-content: space-between; align-items: center; padding-top: 12px; border-top: 1px solid var(--border); }
.tauthor { font-size: 0.78rem; color: var(--navy); font-weight: 700; }
.tdate   { font-size: 0.72rem; color: var(--muted); }

.testi-more {
  text-align: center;
  margin-top: 28px;
}

/* ══════════════════════════════
   CTA STRIP
══════════════════════════════ */
.cta-strip {
  background: linear-gradient(135deg, var(--gold) 0%, #B07820 100%);
  padding: 52px 20px;
  text-align: center;
}
.cta-strip h2 { font-size: clamp(1.5rem, 4vw, 2.4rem); color: var(--white); margin-bottom: 10px; letter-spacing: -.5px; }
.cta-strip p  { color: rgba(255,255,255,.8); font-size: 1rem; margin-bottom: 28px; }
.cta-strip .btn-navy:hover { background: var(--navy2); }

@media (min-width: 768px) { .cta-strip { padding: 72px 32px; } }

/* ══════════════════════════════
   LOADING
══════════════════════════════ */
.loading-ov {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(27,42,74,.75);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
}
.loading-ov.on { display: flex; }
.spinner {
  width: 48px; height: 48px;
  border: 5px solid rgba(255,255,255,.2);
  border-top-color: var(--gold2);
  border-radius: 50%;
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.loading-txt { color: var(--white); font-size: 0.95rem; font-weight: 600; }

/* ══════════════════════════════
   FOOTER
══════════════════════════════ */
.rfooter {
  background: var(--navy);
  color: rgba(255,255,255,.55);
  padding: 36px 20px;
  font-size: 0.82rem;
  text-align: center;
}
.rfooter strong { color: var(--white); }
.rfooter a { color: var(--gold2); }
.rfooter-links { display: flex; flex-wrap: wrap; gap: 16px; justify-content: center; margin: 12px 0; }

/* ── HAMBURGER MOBILE ── */
.rn-hamburger{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:4px;background:none;border:none;}
.rn-hamburger span{display:block;width:24px;height:2.5px;background:var(--white);border-radius:2px;transition:all .25s;}
.rn-mobile-menu{display:none;position:fixed;inset:0;background:var(--navy);z-index:999;flex-direction:column;align-items:center;justify-content:center;gap:6px;}
.rn-mobile-menu.open{display:flex;}
.rn-mobile-menu a{color:var(--white);font-size:1.25rem;font-weight:700;text-decoration:none;padding:14px 40px;border-radius:12px;transition:background .2s;width:260px;text-align:center;}
.rn-mobile-menu a:hover{background:rgba(255,255,255,.08);}
.rn-mobile-menu .rn-cta-mob{background:var(--gold);color:var(--white) !important;margin-top:10px;}
.rn-mobile-close{position:absolute;top:20px;left:20px;background:none;border:none;color:var(--white);font-size:2rem;cursor:pointer;padding:8px;line-height:1;}
@media(min-width:768px){.rn-hamburger{display:none;}.rn-mobile-menu{display:none !important;}#rn-mobile-cta{display:none !important;}}
@media(max-width:767px){.rn-links{display:none !important;}}


/* ═══════════════════════════════
   MOBILE BOTTOM NAV (refi-v2)  — shown only < 768px
═══════════════════════════════ */
.rbn{display:none;}
@media(max-width:767px){
  :root{ --rbn-h: 60px; }
  .rbn{
    display:flex;align-items:flex-end;
    position:fixed;bottom:0;left:0;right:0;z-index:9997;
    background:var(--navy);
    box-shadow:0 -4px 24px rgba(0,0,0,.28);
    padding:6px 2px calc(7px + env(safe-area-inset-bottom,0px));
    direction:rtl;
  }
  .rbn a{
    flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;
    gap:3px;padding:6px 0;text-decoration:none;
    color:rgba(255,255,255,.6);font-size:.6rem;font-weight:600;
    font-family:'Assistant','Heebo',Arial,sans-serif;
    transition:color .2s;position:relative;white-space:nowrap;min-width:0;
  }
  .rbn a svg{width:20px;height:20px;stroke:currentColor;stroke-width:1.9;fill:none;stroke-linecap:round;stroke-linejoin:round;}
  .rbn a.active{color:var(--gold2);}
  .rbn a.active svg{stroke:var(--gold2);}
  .rbn a.rbn-item.active::before{content:'';position:absolute;top:0;width:20px;height:3px;border-radius:0 0 3px 3px;background:var(--gold2);}
  /* raised center button */
  .rbn a.rbn-center{flex:0 0 auto;margin:0 3px;color:var(--gold2);font-weight:700;}
  .rbn a.rbn-center .rbn-circle{
    width:50px;height:50px;border-radius:50%;
    background:linear-gradient(145deg,var(--gold2),var(--gold));
    display:flex;align-items:center;justify-content:center;margin-top:-26px;
    box-shadow:0 6px 18px rgba(201,146,42,.55);
    border:3px solid var(--offwhite);
  }
  .rbn a.rbn-center .rbn-circle svg{width:24px;height:24px;stroke:#fff;stroke-width:2.1;}
  .rbn a.rbn-center span{margin-top:3px;}
  /* keep page content clear of the bar */
  body{padding-bottom:calc(var(--rbn-h) + env(safe-area-inset-bottom,0px));}
  /* lift the accessibility widget above the bottom nav so it isn't covered */
  #ra-btn{bottom:calc(var(--rbn-h) + 18px + env(safe-area-inset-bottom,0px)) !important;}
  #ra-panel{bottom:calc(var(--rbn-h) + 78px + env(safe-area-inset-bottom,0px)) !important;}
}


/* ═══════════════════════════════
   MOBILE RESPONSIVE (refi-v2)
═══════════════════════════════ */

/* ── Base mobile ── */
@media (max-width: 767px) {

  /* Container */
  .con, .wrap, .rn-inner, .rh-inner { padding-right: 16px; padding-left: 16px; }

  /* Nav */
  .rn { padding: 0 16px; }

  /* Typography */
  h1 { font-size: clamp(1.6rem, 6vw, 2.2rem) !important; }
  h2 { font-size: clamp(1.3rem, 5vw, 1.7rem) !important; }

  /* Buttons */
  .hp-hero-btns { flex-direction: column; align-items: center; }
  .hp-btn-gold, .hp-btn-outline { width: 100%; max-width: 300px; justify-content: center; }

  /* Stats */
  .hp-stats { gap: 16px; }
  .hp-stat-n { font-size: 1.4rem; }

  /* Steps */
  .hp-steps { grid-template-columns: 1fr; gap: 12px; }

  /* Packages */
  .hp-pkg-grid { grid-template-columns: 1fr; gap: 16px; }
  .hp-pkg-head { padding: 20px 16px; }
  .hp-pkg-body, .hp-pkg-foot { padding: 16px; }
  .hp-pkg-price-main { font-size: 2rem; }

  /* Testimonials */
  .hp-tm-grid { grid-template-columns: 1fr; gap: 14px; }

  /* Calculator */
  .hp-calc-teaser { padding: 28px 16px; }

  /* Trust bar */
  .hp-trust-inner { gap: 12px; flex-wrap: wrap; }
  .hp-trust-item { font-size: .75rem; }

  /* Forms + calculator */
  .calc-grid { grid-template-columns: 1fr !important; }
  .stats-row  { grid-template-columns: 1fr 1fr !important; }
  .sf-grid-2, .fg2 { grid-template-columns: 1fr !important; }

  /* Dashboard */
  .dash-grid { grid-template-columns: 1fr !important; }

  /* Admin mix */
  .mix-track-row { grid-template-columns: 1fr 1fr !important; gap: 6px !important; }

  /* CTA final */
  .hp-cta-final h2 { font-size: 1.3rem; }
  .hp-cta-final > .con > div { flex-direction: column; align-items: center; }

  /* Hero */
  .hp-hero { padding: 52px 16px 80px; }

  /* Sections */
  .sec { padding: 48px 0 !important; }

  /* Page specific */
  .page-calculator .calc-grid { gap: 16px; }
  .sf-step { padding: 16px; }

  /* PDF / letter */
  .mix-box { flex-direction: column; }
}

/* ── Tablet ── */
@media (min-width: 768px) and (max-width: 1024px) {
  .hp-pkg-grid  { grid-template-columns: 1fr 1fr; }
  .hp-steps     { grid-template-columns: 1fr 1fr; }
  .hp-tm-grid   { grid-template-columns: 1fr 1fr; }
  .con, .wrap   { padding: 0 28px; }
}

/* ── Max width wrapper for all pages ── */
.sec > .con,
.sec-off > .con {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 20px;
}