/* ============================================================
   FARGOSCAPITAL — Inner Pages Shared Styles
   ============================================================ */

/* ===== PAGE HERO BANNER ===== */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 80px 0 70px;
  position: relative;
  overflow: hidden;
}
.page-hero::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='%23ffffff' fill-opacity='0.025'%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/svg%3E");
  pointer-events: none;
}
.page-hero__inner { position: relative; z-index: 1; }
.page-hero__breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.page-hero__breadcrumb a { color: rgba(255,255,255,0.5); transition: color var(--transition); }
.page-hero__breadcrumb a:hover { color: var(--gold); }
.page-hero__breadcrumb span { color: rgba(255,255,255,0.3); }
.page-hero__breadcrumb strong { color: rgba(255,255,255,0.75); font-weight: 500; }
.page-hero__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.page-hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 16px;
  max-width: 620px;
}
.page-hero p {
  font-size: 1rem;
  color: rgba(255,255,255,0.7);
  max-width: 540px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.page-hero__cta { display: flex; gap: 12px; flex-wrap: wrap; }

/* ===== SIDEBAR LAYOUT ===== */
.page-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 48px;
  padding: 60px 0;
  align-items: start;
}
.page-sidebar {
  position: sticky;
  top: 90px;
}
.sidebar-nav { background: var(--white); border: 1px solid var(--light-gray); border-radius: var(--radius-md); overflow: hidden; }
.sidebar-nav__title {
  padding: 16px 20px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 1px solid var(--light-gray);
}
.sidebar-nav a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 20px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-body);
  border-bottom: 1px solid var(--light-gray);
  transition: all var(--transition);
}
.sidebar-nav a:last-child { border-bottom: none; }
.sidebar-nav a:hover { background: var(--off-white); color: var(--navy); }
.sidebar-nav a.active { background: rgba(26,58,92,0.06); color: var(--navy); font-weight: 600; border-left: 3px solid var(--navy); }
.sidebar-nav a svg { width: 16px; height: 16px; flex-shrink: 0; }

/* ===== CONTENT SECTIONS ===== */
.content-section { margin-bottom: 56px; }
.content-section:last-child { margin-bottom: 0; }
.content-section h2 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 16px;
}
.content-section h3 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.content-section p { color: var(--text-body); line-height: 1.75; margin-bottom: 14px; }

/* ===== PRODUCT CARD GRID ===== */
.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--mid-gray); }
.product-card--featured { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); }
.product-card__badge {
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 16px;
  text-align: center;
}
.product-card__body { padding: 28px 24px; flex: 1; display: flex; flex-direction: column; }
.product-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(26,58,92,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy);
}
.product-card__icon svg { width: 22px; height: 22px; }
.product-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.product-card__rate {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
  margin: 8px 0;
  line-height: 1;
}
.product-card__rate span { font-size: 0.85rem; font-weight: 500; color: var(--text-muted); }
.product-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; flex: 1; }
.product-card__features {
  margin: 16px 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.product-card__features li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.83rem;
  color: var(--text-body);
}
.product-card__features li::before {
  content: '✓';
  color: var(--navy);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.product-card__footer { padding: 0 24px 24px; }

/* ===== INFO BANNER ===== */
.info-banner {
  background: rgba(26,58,92,0.05);
  border: 1px solid rgba(26,58,92,0.12);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 32px;
}
.info-banner svg { width: 20px; height: 20px; color: var(--navy); flex-shrink: 0; margin-top: 1px; }
.info-banner p { font-size: 0.88rem; color: var(--text-body); margin: 0; line-height: 1.6; }
.info-banner strong { color: var(--navy); }

/* ===== ACCORDION / FAQ ===== */
.accordion { border: 1px solid var(--light-gray); border-radius: var(--radius-md); overflow: hidden; }
.accordion-item { border-bottom: 1px solid var(--light-gray); }
.accordion-item:last-child { border-bottom: none; }
.accordion-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  background: var(--white);
  border: none;
  text-align: left;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: background var(--transition);
}
.accordion-btn:hover { background: var(--off-white); }
.accordion-btn.open { color: var(--navy); }
.accordion-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform var(--transition);
}
.accordion-btn.open .accordion-icon { transform: rotate(45deg); color: var(--navy); }
.accordion-body {
  display: none;
  padding: 0 22px 20px;
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.75;
  background: var(--white);
}
.accordion-body.open { display: block; }

/* ===== STEPS / PROCESS ===== */
.steps-list { display: flex; flex-direction: column; gap: 0; }
.step-item {
  display: flex;
  gap: 20px;
  position: relative;
  padding-bottom: 32px;
}
.step-item:last-child { padding-bottom: 0; }
.step-item:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 19px;
  top: 40px;
  bottom: 0;
  width: 2px;
  background: var(--light-gray);
}
.step-num {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.step-content h4 {
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
  padding-top: 8px;
}
.step-content p { font-size: 0.88rem; color: var(--text-muted); margin: 0; line-height: 1.6; }

/* ===== COMPARISON TABLE ===== */
.compare-table-wrap { overflow-x: auto; }
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.compare-table th, .compare-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--light-gray);
}
.compare-table thead th {
  background: var(--navy-dark);
  color: var(--white);
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
}
.compare-table thead th:first-child { border-radius: 8px 0 0 0; }
.compare-table thead th:last-child  { border-radius: 0 8px 0 0; }
.compare-table tbody tr:nth-child(even) { background: var(--off-white); }
.compare-table tbody tr:hover { background: rgba(26,58,92,0.04); }
.compare-table .check  { color: #16a34a; font-weight: 700; }
.compare-table .cross  { color: #dc2626; }
.compare-table .badge-best {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 2px 8px;
  border-radius: 20px;
  margin-left: 6px;
}

/* ===== STAT ROW ===== */
.stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--light-gray);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 48px;
}
.stat-box {
  background: var(--white);
  padding: 28px 24px;
  text-align: center;
}
.stat-box__value {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-bottom: 6px;
}
.stat-box__label { font-size: 0.82rem; color: var(--text-muted); }

/* ===== TEAM CARD ===== */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.team-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.team-card__avatar {
  height: 140px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.04em;
}
.team-card__info { padding: 18px 16px; }
.team-card__name { font-weight: 700; color: var(--text-dark); font-size: 0.95rem; margin-bottom: 4px; }
.team-card__title { font-size: 0.78rem; color: var(--text-muted); }

/* ===== CONTACT CARDS ===== */
.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 48px; }
.contact-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  text-align: center;
  transition: all var(--transition);
}
.contact-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.contact-card__icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: rgba(26,58,92,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  color: var(--navy);
}
.contact-card__icon svg { width: 26px; height: 26px; }
.contact-card h3 { font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.contact-card p { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 18px; line-height: 1.55; }
.contact-card__detail { font-size: 1rem; font-weight: 700; color: var(--navy); display: block; margin-bottom: 4px; }
.contact-card__hours { font-size: 0.76rem; color: var(--text-muted); }

/* ===== FORM PANEL ===== */
.form-panel {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 36px 32px;
}
.form-panel h3 {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.form-panel > p { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 28px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .form-group--full { grid-column: 1 / -1; }

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--mid-gray);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,58,92,0.1);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-group select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px; }

/* ===== BRANCH CARD ===== */
.branch-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.branch-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 22px 20px;
  transition: all var(--transition);
}
.branch-card:hover { box-shadow: var(--shadow-md); border-color: var(--mid-gray); }
.branch-card__name { font-weight: 700; color: var(--text-dark); margin-bottom: 6px; font-size: 0.95rem; }
.branch-card__addr { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 12px; line-height: 1.5; }
.branch-card__detail { display: flex; align-items: center; gap: 6px; font-size: 0.8rem; color: var(--text-body); margin-bottom: 6px; }
.branch-card__detail svg { width: 14px; height: 14px; color: var(--navy); flex-shrink: 0; }
.branch-card__status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-top: 10px;
}
.branch-card__status--open { color: #16a34a; }
.branch-card__status--closed { color: #dc2626; }
.branch-card__status-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: currentColor;
}

/* ===== MAP PLACEHOLDER ===== */
.map-placeholder {
  background: linear-gradient(135deg, #e8edf2 0%, #d4dce6 100%);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-md);
  height: 380px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--text-muted);
  margin-bottom: 36px;
  position: relative;
  overflow: hidden;
}
.map-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(0deg, transparent, transparent 39px, rgba(26,58,92,0.06) 39px, rgba(26,58,92,0.06) 40px),
              repeating-linear-gradient(90deg, transparent, transparent 39px, rgba(26,58,92,0.06) 39px, rgba(26,58,92,0.06) 40px);
}
.map-placeholder svg { width: 48px; height: 48px; color: var(--navy); opacity: 0.4; position: relative; z-index: 1; }
.map-placeholder p { font-size: 0.9rem; position: relative; z-index: 1; }

/* ===== TIMELINE ===== */
.timeline { display: flex; flex-direction: column; gap: 0; }
.timeline-item {
  display: grid;
  grid-template-columns: 90px 2px 1fr;
  gap: 0 24px;
  padding-bottom: 36px;
  position: relative;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-year {
  text-align: right;
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  padding-top: 2px;
}
.timeline-line {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.timeline-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 2px var(--gold);
  flex-shrink: 0;
  margin-top: 4px;
}
.timeline-connector {
  flex: 1;
  width: 2px;
  background: var(--light-gray);
  margin-top: 4px;
}
.timeline-item:last-child .timeline-connector { display: none; }
.timeline-content { padding-top: 0; }
.timeline-content h4 { font-weight: 700; color: var(--text-dark); margin-bottom: 6px; }
.timeline-content p  { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* ===== LOAN CALCULATOR ===== */
.calc-wrap {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.calc-header {
  background: var(--navy-dark);
  padding: 24px 28px;
  color: var(--white);
}
.calc-header h3 { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 700; margin-bottom: 4px; }
.calc-header p  { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.calc-body { padding: 28px; }
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.calc-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.calc-group input,
.calc-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--mid-gray);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  transition: border-color var(--transition);
}
.calc-group input:focus,
.calc-group select:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(26,58,92,0.1); }
.calc-result {
  background: var(--off-white);
  border-radius: var(--radius-sm);
  padding: 20px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 8px;
}
.calc-result__label { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 4px; }
.calc-result__value {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
}

/* ===== WIZARD (open-account) ===== */
.wizard-wrap {
  max-width: 780px;
  margin: 0 auto;
  padding: 60px 0;
}
.wizard-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-bottom: 48px;
}
.wizard-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
}
.wizard-step:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 18px;
  left: calc(50% + 18px);
  right: calc(-50% + 18px);
  height: 2px;
  background: var(--light-gray);
  z-index: 0;
}
.wizard-step.done::after  { background: var(--navy); }
.wizard-step.active::after { background: linear-gradient(90deg, var(--navy), var(--light-gray)); }
.wizard-step__num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--mid-gray);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-muted);
  position: relative;
  z-index: 1;
  transition: all var(--transition);
  margin-bottom: 8px;
}
.wizard-step.done  .wizard-step__num { background: var(--navy); border-color: var(--navy); color: var(--white); }
.wizard-step.active .wizard-step__num { background: var(--navy); border-color: var(--navy); color: var(--white); box-shadow: 0 0 0 4px rgba(26,58,92,0.15); }
.wizard-step__label { font-size: 0.72rem; color: var(--text-muted); font-weight: 500; text-align: center; }
.wizard-step.active .wizard-step__label { color: var(--navy); font-weight: 700; }

.wizard-panel { display: none; }
.wizard-panel.active { display: block; }

.wizard-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-lg);
  padding: 40px 44px;
  box-shadow: var(--shadow-sm);
}
.wizard-card h2 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.wizard-card > p { font-size: 0.92rem; color: var(--text-muted); margin-bottom: 32px; }

.account-type-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-bottom: 32px; }
.account-type-card {
  border: 2px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 20px;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
}
.account-type-card:hover { border-color: var(--navy); background: rgba(26,58,92,0.02); }
.account-type-card.selected { border-color: var(--navy); background: rgba(26,58,92,0.05); }
.account-type-card.selected::after {
  content: '✓';
  position: absolute;
  top: 12px;
  right: 14px;
  width: 22px;
  height: 22px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}
.account-type-card input[type="radio"] { display: none; }
.account-type-card__label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.account-type-card__icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(26,58,92,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}
.account-type-card__icon svg { width: 20px; height: 20px; }
.account-type-card h4 { font-weight: 700; font-size: 0.92rem; color: var(--text-dark); margin-bottom: 4px; }
.account-type-card p  { font-size: 0.78rem; color: var(--text-muted); line-height: 1.45; margin: 0; }

.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--light-gray);
}
.wizard-nav .btn-back {
  background: none;
  border: none;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0;
  transition: color var(--transition);
}
.wizard-nav .btn-back:hover { color: var(--navy); }
.wizard-nav .btn-back svg { width: 16px; height: 16px; }

/* ===== RESPONSIVE (pages) ===== */
@media (max-width: 1024px) {
  .page-layout { grid-template-columns: 1fr; }
  .page-sidebar { position: static; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .branch-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .product-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-grid    { grid-template-columns: 1fr; }
  .calc-row     { grid-template-columns: 1fr; }
  .account-type-grid { grid-template-columns: 1fr; }
  .wizard-card  { padding: 28px 20px; }
  .team-grid    { grid-template-columns: repeat(2, 1fr); }
  .branch-grid  { grid-template-columns: 1fr; }
  .wizard-steps { gap: 0; }
  .wizard-step__label { display: none; }
  .timeline-item { grid-template-columns: 60px 2px 1fr; }
}
@media (max-width: 480px) {
  .stat-row  { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}