/* ═══════════════════════════════════════════════
   FINANSAVIMAS PAGE STYLES
   ═══════════════════════════════════════════════ */

/* ─── Hero Section ─── */
.fin-hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--charcoal);
}

.fin-hero-bg {
    position: absolute;
    inset: 0;
    z-index: 1;
}

.fin-hero-grid {
    position: absolute;
    inset: 0;
    background-image: 
        linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
    background-size: 40px 40px;
    opacity: 0.4;
}

.fin-hero-glow {
    display: none;
}

.fin-hero-content {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
    padding: 80px 24px;
}

.fin-hero-label {
    display: inline-block;
    padding: 6px 16px;
    margin-bottom: 24px;
    background: rgba(212,175,55,0.12);
    border: 1px solid rgba(212,175,55,0.25);
    border-radius: 100px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
}

.fin-hero-title {
    font-family: var(--font-serif);
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    line-height: 1.1;
    color: var(--warm-white);
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.fin-hero-subtitle {
    font-size: 1.25rem;
    color: rgba(250,249,246,0.8);
    line-height: 1.6;
    margin-bottom: 40px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.fin-hero-cta {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 60px;
}

.fin-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 32px;
    justify-content: center;
    align-items: center;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9375rem;
    color: rgba(250,249,246,0.7);
}

.trust-item svg {
    flex-shrink: 0;
    color: var(--gold);
}

/* ─── Consultation Section ─── */
.fin-consult {
    padding: 80px 0;
    background: var(--warm-white);
}

.fin-consult-inner {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 60px;
    align-items: start;
    max-width: 1000px;
    margin: 0 auto;
}

.fin-consult-title {
    font-family: var(--font-serif);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--charcoal);
    margin-bottom: 16px;
}

.fin-consult-subtitle {
    font-size: 1.125rem;
    color: var(--graphite);
    margin-bottom: 32px;
    line-height: 1.6;
}

.fin-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

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

.fin-form input,
.fin-form textarea {
    padding: 14px 20px;
    border: 1px solid rgba(26,26,26,0.1);
    border-radius: var(--radius-lg);
    font-family: inherit;
    font-size: 1rem;
    color: var(--charcoal);
    background: var(--warm-white);
    transition: border-color 0.2s, box-shadow 0.2s;
}

.fin-form input:focus,
.fin-form textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(212,175,55,0.1);
}

.fin-form textarea {
    min-height: 120px;
    resize: vertical;
}

.fin-consult-benefit {
    padding: 24px;
    background: rgba(212,175,55,0.06);
    border: 1px solid rgba(212,175,55,0.15);
    border-radius: var(--radius-lg);
    font-size: 0.9375rem;
    color: var(--graphite);
    line-height: 1.6;
    max-width: 280px;
}

/* ─── Section Styles ─── */
.fin-uzt,
.fin-criteria,
.fin-process,
.fin-personal,
.fin-kursuok,
.fin-why {
    padding: 80px 0;
}

.fin-uzt {
    background: var(--warm-white);
}

.fin-criteria,
.fin-why {
    background: var(--cream);
}

.fin-process {
    background: var(--warm-white);
}

.fin-personal,
.fin-kursuok {
    background: var(--cream);
}

.fin-section-title {
    font-family: var(--font-serif);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--charcoal);
    text-align: center;
    margin-bottom: 60px;
}

/* ─── UŽT Section ─── */
.fin-uzt-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
    max-width: 1100px;
    margin: 0 auto;
}

.fin-uzt-text p {
    font-size: 1.125rem;
    color: var(--graphite);
    line-height: 1.7;
    margin-bottom: 24px;
}

.fin-notice {
    display: flex;
    gap: 16px;
    padding: 20px;
    background: rgba(212,175,55,0.08);
    border: 1px solid rgba(212,175,55,0.2);
    border-radius: var(--radius-lg);
    margin-top: 32px;
}

.fin-notice svg {
    flex-shrink: 0;
    color: var(--gold);
    margin-top: 2px;
}

.fin-notice p {
    font-size: 0.9375rem;
    color: var(--graphite);
    line-height: 1.6;
}

.fin-uzt-cards {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

/* ─── Card Component ─── */
.fin-card {
    padding: 32px;
    background: var(--warm-white);
    border: 1px solid rgba(26,26,26,0.08);
    border-radius: var(--radius-lg);
    box-shadow: 0 4px 24px rgba(0,0,0,0.06);
    transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}

.fin-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 32px rgba(0,0,0,0.1);
}

.fin-card h3 {
    font-family: var(--font-serif);
    font-size: 1.375rem;
    font-weight: 600;
    color: var(--charcoal);
    margin-bottom: 12px;
}

.fin-card p {
    font-size: 1rem;
    color: var(--graphite);
    line-height: 1.6;
}

/* ─── Criteria Grid ─── */
.fin-criteria-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    max-width: 900px;
    margin: 0 auto;
}

.fin-criteria-item {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px;
    background: var(--warm-white);
    border: 1px solid rgba(26,26,26,0.08);
    border-radius: var(--radius-lg);
    font-size: 1rem;
    color: var(--graphite);
}

.fin-criteria-item svg {
    flex-shrink: 0;
    color: var(--gold);
    width: 24px;
    height: 24px;
}

.fin-criteria-after {
    text-align: center;
    max-width: 700px;
    margin: 40px auto 0;
    font-size: 1rem;
    color: var(--graphite);
    line-height: 1.6;
}

/* ─── Process Timeline ─── */
.fin-process-timeline {
    display: flex;
    flex-direction: column;
    gap: 32px;
    max-width: 700px;
    margin: 0 auto;
}

.fin-process-step {
    display: flex;
    gap: 24px;
    align-items: flex-start;
}

.step-number {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    background: var(--gold);
    color: var(--charcoal);
    font-family: var(--font-serif);
    font-size: 1.25rem;
    font-weight: 700;
    border-radius: 50%;
    flex-shrink: 0;
}

.fin-process-step p {
    font-size: 1.125rem;
    color: var(--graphite);
    line-height: 1.6;
    margin: 0;
    padding-top: 10px;
}

/* ─── Personal Payment ─── */
.fin-personal-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    max-width: 800px;
    margin: 0 auto;
}

.fin-personal-note {
    text-align: center;
    max-width: 600px;
    margin: 40px auto 0;
    font-size: 1rem;
    color: var(--graphite);
    line-height: 1.6;
    font-style: italic;
}

/* ─── KURSUOK Section ─── */
.fin-kursuok-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
    max-width: 1000px;
    margin: 0 auto;
}

.fin-kursuok-text p {
    font-size: 1.125rem;
    color: var(--graphite);
    line-height: 1.7;
    margin-bottom: 24px;
}

.fin-kursuok-conditions {
    padding: 32px;
    background: var(--warm-white);
    border: 1px solid rgba(26,26,26,0.08);
    border-radius: var(--radius-lg);
    box-shadow: 0 4px 24px rgba(0,0,0,0.06);
}

.fin-kursuok-conditions h3 {
    font-family: var(--font-serif);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--charcoal);
    margin-bottom: 16px;
}

.fin-kursuok-conditions ul {
    list-style: none;
    padding: 0;
    margin: 0 0 32px 0;
}

.fin-kursuok-conditions li {
    position: relative;
    padding: 8px 0 8px 24px;
    font-size: 1rem;
    color: var(--graphite);
    line-height: 1.6;
}

.fin-kursuok-conditions li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 12px;
    width: 8px;
    height: 8px;
    background: var(--gold);
    border-radius: 50%;
}

.fin-kursuok-cta {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

/* ─── Why Cards ─── */
.fin-why-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
    max-width: 1000px;
    margin: 0 auto;
}

/* ─── FAQ Accordion ─── */
.fin-faq-accordion {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid rgba(26,26,26,0.08);
}

.faq-item:last-child {
    border-bottom: none;
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 24px 0;
    background: none;
    border: none;
    font-family: var(--font-serif);
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--charcoal);
    text-align: left;
    cursor: pointer;
    transition: color 0.2s;
}

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

.faq-question svg {
    transition: transform 0.3s var(--ease);
}

.faq-question.open svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s var(--ease);
}

.faq-answer p {
    padding: 0 0 24px 0;
    font-size: 1rem;
    color: var(--graphite);
    line-height: 1.6;
}

/* ─── Final CTA ─── */
.fin-final-cta {
    padding: 100px 0;
    background: var(--charcoal);
    text-align: center;
}

.fin-final-content {
    max-width: 700px;
    margin: 0 auto;
}

.fin-final-title {
    font-family: var(--font-serif);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--warm-white);
    margin-bottom: 20px;
}

.fin-final-subtitle {
    font-size: 1.25rem;
    color: rgba(250,249,246,0.8);
    line-height: 1.6;
    margin-bottom: 40px;
}

.fin-final-cta {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ─── Responsive ─── */
@media (max-width: 768px) {
    .fin-hero-content {
        padding: 60px 20px;
    }
    
    .fin-hero-title {
        font-size: 2.5rem;
    }
    
    .fin-hero-subtitle {
        font-size: 1.125rem;
    }
    
    .fin-hero-cta {
        flex-direction: column;
        align-items: center;
    }
    
    .fin-hero-trust {
        flex-direction: column;
        gap: 16px;
    }
    
    .fin-consult-inner,
    .fin-uzt-inner,
    .fin-kursuok-inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .fin-consult-benefit {
        max-width: 100%;
    }
    
    .fin-form-row {
        grid-template-columns: 1fr;
    }
    
    .fin-section-title {
        font-size: 2rem;
    }
    
    .fin-criteria-grid {
        grid-template-columns: 1fr;
    }
    
    .fin-process-timeline {
        gap: 24px;
    }
    
    .fin-process-step {
        gap: 16px;
    }
    
    .fin-personal-cards,
    .fin-why-cards {
        grid-template-columns: 1fr;
    }
    
    .fin-final-cta {
        padding: 80px 20px;
    }
    
    .fin-final-title {
        font-size: 2rem;
    }
}

@media (max-width: 480px) {
    .fin-hero {
        min-height: 90vh;
    }
    
    .fin-hero-label {
        font-size: 0.6875rem;
        padding: 5px 14px;
    }
    
    .fin-hero-title {
        font-size: 2rem;
    }
    
    .fin-hero-subtitle {
        font-size: 1rem;
    }
    
    .fin-consult,
    .fin-uzt,
    .fin-criteria,
    .fin-process,
    .fin-personal,
    .fin-kursuok,
    .fin-why {
        padding: 60px 0;
    }
    
    .fin-card {
        padding: 24px;
    }
    
    .fin-criteria-item {
        padding: 16px;
    }
    
    .step-number {
        width: 40px;
        height: 40px;
        font-size: 1.125rem;
    }
    
    .fin-process-step p {
        font-size: 1rem;
        padding-top: 8px;
    }
    
    .fin-kursuok-conditions {
        padding: 24px;
    }
    
    .fin-final-cta {
        padding: 60px 20px;
    }
}