/* FinZiel Core – layout components. Rules: max 3 columns, generous margins, justified body text. */
:root{--fz-navy:#0B1F3A;--fz-blue:#1266F1;--fz-electric:#00A6FF;--fz-light:#EAF4FF;--fz-white:#FFFFFF;--fz-text:#172B4D;--fz-radius:16px;--fz-shadow:0 10px 34px rgba(11,31,58,.10);--fz-gutter:40px}
.fz-wrap{width:100%;max-width:1240px;margin:0 auto;padding-left:var(--fz-gutter);padding-right:var(--fz-gutter);box-sizing:border-box}
.fz-band{padding:88px 0}.fz-band.fz-alt{background:var(--fz-light)}
.fz-band h2,.fz-closing h2,.fz-need h2{font-size:clamp(26px,3.2vw,38px);margin:14px 0 18px;color:var(--fz-navy);line-height:1.2}
.fz-band h1{font-size:clamp(30px,4.2vw,48px);margin:14px 0 18px;color:var(--fz-navy);line-height:1.15}
.fz-kicker{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--fz-blue);background:#fff;border:1px solid #cfe3ff;border-radius:999px;padding:6px 16px}
.fz-alt .fz-kicker{border-color:#bcd6fb}
/* Justified text (both edges aligned) */
.fz-band p,.fz-band li,.fz-card p,.fz-plain p,.fz-plain li,.fz-slide p,.fz-form-wrap .fz-sub,.fz-tool p{text-align:justify;text-justify:inter-word;-webkit-hyphens:auto;hyphens:auto}
.fz-band p,.fz-plain p{font-size:17.5px;line-height:1.75;color:#33476a;margin:0 0 18px}
/* Buttons */
.fz-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 26px;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:15.5px;line-height:1.2;transition:transform .15s,box-shadow .15s,background .15s;margin:4px 6px 4px 0}
.fz-btn:focus-visible,.fz-form input:focus-visible,.fz-form select:focus-visible,.fz-form textarea:focus-visible{outline:3px solid var(--fz-electric);outline-offset:2px}
.fz-btn-primary{background:linear-gradient(135deg,var(--fz-blue),var(--fz-electric));color:#fff}
.fz-btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(18,102,241,.35);color:#fff}
.fz-btn-ghost{background:#fff;color:var(--fz-blue);border-color:var(--fz-blue)}.fz-btn-ghost:hover{background:var(--fz-light)}
.fz-btn-light{background:#fff;color:var(--fz-navy)}.fz-btn-light:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.25)}
.fz-btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.75)}.fz-btn-outline:hover{background:rgba(255,255,255,.14)}
.fz-btn[disabled]{opacity:.7;cursor:wait}
/* Two-column split: text + image */
.fz-split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.fz-split.fz-rev .fz-split-img{order:-1}
.fz-split-img img,.fz-slide-img img,.fz-service-img{display:block;width:100%;height:auto;border-radius:24px}
.fz-split-img img{box-shadow:var(--fz-shadow)}
/* Cards: never more than three per row */
.fz-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin:36px 0 0}
.fz-card{background:#fff;border:1px solid #dbe9fb;border-radius:var(--fz-radius);padding:32px;box-shadow:var(--fz-shadow);display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.fz-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(11,31,58,.14)}
.fz-card h3{color:var(--fz-navy);margin:6px 0 10px;font-size:20px;line-height:1.3}
.fz-card p{font-size:15.5px;line-height:1.7;margin:0 0 12px;color:#4a5b78}
.fz-card ul{padding-left:20px;margin:0 0 16px;color:#4a5b78;flex:1;font-size:15px;line-height:1.7}
.fz-icon{width:56px;height:56px;margin-bottom:10px}
.fz-service{padding:0 0 28px;overflow:hidden}.fz-service h3,.fz-service p,.fz-service ul,.fz-service .fz-card-btns{margin-left:28px;margin-right:28px}
.fz-service-img{border-radius:0;margin-bottom:20px}
.fz-card-btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:auto}.fz-card-btns .fz-btn{padding:10px 18px;font-size:14px;margin:0}
.fz-avatar{width:84px;height:84px;border-radius:50%;background:var(--fz-light);display:grid;place-items:center;margin:0 auto 14px}
.fz-team .fz-card{text-align:center;align-items:center}.fz-team .fz-card p{text-align:center}
/* Steps (3 x 2) */
.fz-steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;padding:0;margin:36px 0 0}
.fz-steps li{counter-increment:s;background:#fff;border:1px solid #dbe9fb;border-radius:var(--fz-radius);padding:30px;box-shadow:var(--fz-shadow)}
.fz-steps li::before{content:counter(s);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--fz-blue),var(--fz-electric));color:#fff;font-weight:800;margin-bottom:14px}
.fz-steps h3{font-size:19px;margin:0 0 8px;color:var(--fz-navy)}.fz-steps p{margin:0;font-size:15.5px}
/* Deliverables (3 columns) */
.fz-points{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:0;margin:32px 0 0}
.fz-points li{background:#fff;border:1px solid #dbe9fb;border-radius:var(--fz-radius);padding:22px 24px 22px 62px;position:relative;font-weight:600;color:var(--fz-navy);box-shadow:var(--fz-shadow);line-height:1.5;text-align:left}
.fz-points li::before{content:"✓";position:absolute;left:22px;top:20px;width:28px;height:28px;border-radius:50%;background:linear-gradient(135deg,var(--fz-blue),var(--fz-electric));color:#fff;display:grid;place-items:center;font-size:15px}
.fz-tiles{display:flex;flex-wrap:wrap;gap:16px;justify-content:center}.fz-tiles span{background:#fff;border:1px solid #cfe3ff;border-radius:999px;padding:14px 32px;font-weight:700;color:var(--fz-navy);box-shadow:var(--fz-shadow)}
/* Closing call to action */
.fz-closing{background:linear-gradient(135deg,var(--fz-navy),var(--fz-blue));color:#fff;text-align:center;padding:80px 0}
.fz-closing h2{color:#fff;margin:0 0 14px}.fz-closing p{max-width:680px;margin:0 auto 18px;color:#fff;opacity:.95;text-align:center;font-size:18px}.fz-closing .fz-btn{margin:6px}
.fz-need{text-align:center}.fz-need p{text-align:center;max-width:720px;margin-left:auto;margin-right:auto}
.fz-contact{list-style:none;padding:0;margin:0 0 16px}.fz-contact li{margin:10px 0;line-height:1.6}
.fz-contact-grid{display:grid;grid-template-columns:1fr 2fr;gap:40px;align-items:start}.fz-contact-grid .fz-form-wrap{margin:0}
/* Forms & tools */
.fz-form-wrap,.fz-tool,.fz-dash{max-width:900px;margin:0 auto;background:#fff;border-radius:var(--fz-radius);box-shadow:var(--fz-shadow);padding:40px;border:1px solid #dbe9fb;color:var(--fz-text);box-sizing:border-box}
.fz-form-wrap h2,.fz-tool h2,.fz-dash h2{color:var(--fz-navy);margin-top:0}
.fz-sub{color:#4a5b78}
.fz-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:20px 0}
.fz-field{display:flex;flex-direction:column;gap:6px}.fz-full{grid-column:1/-1}
.fz-field label{font-weight:600;font-size:14px}.req{color:#d93025}
.fz-form input,.fz-form select,.fz-form textarea,.fz-tool input,.fz-tool select{width:100%;padding:12px 14px;border:1.5px solid #cfdcf0;border-radius:10px;font-size:15px;background:#fff;color:var(--fz-text);box-sizing:border-box;font-family:inherit}
.fz-form input:focus,.fz-form select:focus,.fz-form textarea:focus{border-color:var(--fz-blue)}
.fz-field.has-err input,.fz-field.has-err select,.fz-field.has-err textarea{border-color:#d93025}
.fz-err{color:#d93025;font-size:13px}
.fz-check{display:flex;gap:10px;align-items:flex-start;margin:14px 0;font-size:14px;line-height:1.5}.fz-check input{width:auto;margin-top:3px}
.fz-privacy,.fz-note{font-size:13px;color:#4a5b78;text-align:left}
.fz-hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.fz-msg{margin-top:12px;font-weight:600}.fz-msg.bad{color:#d93025}.fz-msg.ok{color:#137333}
.fz-spin{display:none;width:16px;height:16px;border:2px solid rgba(255,255,255,.5);border-top-color:#fff;border-radius:50%;animation:fzs .7s linear infinite}
.is-loading .fz-spin{display:inline-block}@keyframes fzs{to{transform:rotate(360deg)}}
.fz-success{text-align:center;padding:12px}.fz-success[hidden],.fz-form[hidden],.fz-chat[hidden]{display:none}.fz-success p{text-align:center}
.fz-alert{padding:12px 16px;border-radius:10px;margin:12px 0}.fz-alert.ok{background:#e6f4ea;color:#137333}.fz-alert.bad{background:#fce8e6;color:#a50e0e}
.fz-result{margin:18px 0}.fz-result:not(:empty){background:var(--fz-light);padding:18px;border-radius:10px}
.fz-q{border:1px solid #cfdcf0;border-radius:10px;margin:14px 0;padding:12px 16px}.fz-q label{display:block;margin:5px 0;font-size:14px}.fz-q input{width:auto}
.fz-auth{max-width:540px;margin:48px auto}.fz-auth .fz-field{margin-bottom:14px}
.fz-faq{max-width:900px;margin:0 auto}.fz-faq details{background:#fff;border:1px solid #dbe9fb;border-radius:12px;padding:16px 22px;margin:12px 0}.fz-faq summary{font-weight:600;cursor:pointer;color:var(--fz-navy)}.fz-faq p{text-align:justify}
.fz-table-wrap{overflow-x:auto}.fz-table{width:100%;border-collapse:collapse}.fz-table th,.fz-table td{padding:10px;border-bottom:1px solid var(--fz-light);text-align:left}
.fz-dash-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
/* Hero slider */
.fz-hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--fz-navy),#0d3a8c 60%,var(--fz-blue));display:grid}
.fz-slide{grid-area:1/1;display:flex;align-items:center;opacity:0;visibility:hidden;transform:translateX(30px);transition:opacity .7s,transform .7s,visibility .7s;padding:80px 0 120px}
.fz-slide.is-active{opacity:1;visibility:visible;transform:none}
.fz-slide-in{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}
.fz-slide h1,.fz-slide h2{font-size:clamp(30px,4.2vw,50px);line-height:1.12;margin:16px 0 18px;color:#fff}
.fz-slide p{font-size:clamp(16px,1.6vw,19px);line-height:1.7;color:#fff;opacity:.94;margin:0}
.fz-eyebrow{display:inline-block;padding:7px 16px;border-radius:999px;background:rgba(0,166,255,.25);border:1px solid rgba(255,255,255,.35);font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:#fff}
.fz-hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.fz-hero-btns .fz-btn{margin:0}
.fz-slide-img img{box-shadow:0 26px 60px rgba(0,0,0,.4);border:1px solid rgba(255,255,255,.2)}
.fz-arrow{position:absolute;bottom:30px;width:42px;height:42px;border-radius:50%;border:0;background:rgba(255,255,255,.2);color:#fff;font-size:26px;line-height:1;cursor:pointer;z-index:2}.fz-arrow:hover{background:rgba(255,255,255,.36)}
.fz-prev{left:calc(50% - 98px)}.fz-next{left:calc(50% + 56px)}
.fz-dots{position:absolute;bottom:42px;left:0;right:0;display:flex;justify-content:center;gap:10px;z-index:2}
.fz-dot{width:12px;height:12px;border-radius:50%;border:0;background:rgba(255,255,255,.45);cursor:pointer;padding:0}.fz-dot.is-active{background:var(--fz-electric);transform:scale(1.25)}
/* WhatsApp + chat */
.fz-wa{position:fixed;left:18px;bottom:18px;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 6px 18px rgba(0,0,0,.25);z-index:9998}
.fz-chat-toggle{position:fixed;right:18px;bottom:18px;width:58px;height:58px;border-radius:50%;border:0;background:linear-gradient(135deg,var(--fz-blue),var(--fz-electric));color:#fff;font-weight:800;font-size:18px;cursor:pointer;box-shadow:0 6px 18px rgba(18,102,241,.4);z-index:9998}
.fz-chat{position:fixed;right:18px;bottom:88px;width:min(370px,calc(100vw - 36px));max-height:min(620px,calc(100vh - 120px));background:#fff;border-radius:16px;box-shadow:0 18px 50px rgba(11,31,58,.3);z-index:9999;display:flex;flex-direction:column;overflow:hidden}
.fz-chat-head{background:var(--fz-navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center}
.fz-chat-x{background:none;border:0;color:#fff;font-size:24px;cursor:pointer}
.fz-chat-body{padding:14px;overflow-y:auto;flex:1;display:flex;flex-direction:column;gap:10px;min-height:200px}
.fz-b{padding:10px 13px;border-radius:12px;max-width:88%;font-size:14px;line-height:1.45;white-space:pre-wrap}
.fz-b.bot{background:var(--fz-light);color:var(--fz-text);align-self:flex-start}.fz-b.me{background:var(--fz-blue);color:#fff;align-self:flex-end}
.fz-chat-form{display:flex;gap:8px;padding:10px;border-top:1px solid var(--fz-light)}.fz-chat-form input{flex:1;padding:10px;border:1.5px solid #cfdcf0;border-radius:10px}
.fz-chat-form .fz-btn{padding:8px 16px;margin:0}
.fz-chat-lead{padding:12px;border-top:1px solid var(--fz-light);display:flex;flex-direction:column;gap:8px;overflow-y:auto;max-height:300px}
.fz-chat-lead[hidden]{display:none}.fz-chat-lead input,.fz-chat-lead textarea{padding:9px;border:1.5px solid #cfdcf0;border-radius:8px;width:100%;box-sizing:border-box}
.fz-chat-note{font-size:12px;margin:0;color:#4a5b78}.fz-quick{display:flex;flex-wrap:wrap;gap:6px}.fz-quick button{border:1px solid var(--fz-blue);background:#fff;color:var(--fz-blue);border-radius:999px;padding:6px 12px;font-size:13px;cursor:pointer}
/* Responsive: 3 columns -> 2 -> 1 */
@media(max-width:1024px){
 :root{--fz-gutter:32px}
 .fz-cards,.fz-steps,.fz-points{grid-template-columns:repeat(2,1fr)}
 .fz-split,.fz-slide-in{gap:40px}
}
@media(max-width:860px){
 :root{--fz-gutter:24px}
 .fz-band{padding:64px 0}
 .fz-split,.fz-slide-in,.fz-contact-grid{grid-template-columns:1fr}
 .fz-split.fz-rev .fz-split-img{order:0}
 .fz-slide{padding:56px 0 110px}.fz-slide-img{max-width:480px}
 .fz-dash-grid{grid-template-columns:1fr}
}
@media(max-width:620px){
 :root{--fz-gutter:20px}
 .fz-cards,.fz-steps,.fz-points,.fz-grid{grid-template-columns:1fr}
 .fz-form-wrap,.fz-tool,.fz-dash{padding:24px 20px}
 .fz-slide-img{display:none}.fz-arrow{display:none}
 .fz-slide{padding:48px 0 80px}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ===== v2.1 refinements ===== */
/* Large section titles */
.fz-title{font-size:clamp(34px,4.8vw,58px);font-weight:800;color:var(--fz-navy);margin:0 0 10px;line-height:1.1;letter-spacing:-.01em}
.fz-band .fz-subtitle{font-size:clamp(19px,2.2vw,26px);color:var(--fz-blue);font-weight:500;line-height:1.4;margin:0 0 10px;text-align:left}
.fz-intro{max-width:920px;margin:0 auto;text-align:center}.fz-band .fz-intro p{text-align:center}
/* Hero without images: centred text */
.fz-slide-in{grid-template-columns:1fr;justify-items:center;text-align:center}
.fz-slide-text{max-width:900px;margin:0 auto}
.fz-slide p{text-align:center;max-width:760px;margin-left:auto;margin-right:auto}
.fz-hero-btns{justify-content:center}
.fz-slide{padding:96px 0 130px}
/* Closing call to action */
.fz-closing{padding:96px 0}
.fz-closing h2{font-size:clamp(38px,5.4vw,66px);font-weight:800;color:#fff;margin:0 0 18px;line-height:1.1}
.fz-closing p{font-size:clamp(17px,1.8vw,21px)}
.fz-btn-lg{padding:18px 44px;font-size:19px}
/* Pictorial process: one horizontal row of 6 with arrows; stacks vertically on small screens */
.fz-flow{display:grid;grid-template-columns:repeat(6,1fr);column-gap:44px;margin-top:48px;align-items:start}
.fz-flow-step{position:relative;text-align:center;padding:0}
.fz-flow-ico{position:relative;width:84px;height:84px;margin:0 auto 16px}
.fz-flow-ico img{width:84px;height:84px;display:block;border-radius:50%;box-shadow:0 10px 24px rgba(18,102,241,.35)}
.fz-flow-no{position:absolute;top:-4px;right:-8px;width:28px;height:28px;border-radius:50%;background:#fff;color:var(--fz-blue);border:2px solid var(--fz-blue);font-weight:800;font-size:13px;display:grid;place-items:center}
.fz-flow-step h3{font-size:17px;margin:0 0 6px;color:var(--fz-navy);line-height:1.3}
.fz-band .fz-flow-step p{font-size:14.5px;line-height:1.55;text-align:center;margin:0 auto;-webkit-hyphens:manual;hyphens:manual}
.fz-flow-step:not(:last-child)::after{content:"";position:absolute;top:35px;right:-36px;width:28px;height:14px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 48 24' fill='none' stroke='%231266F1' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12h38M32 4l10 8-10 8'/%3E%3C/svg%3E") center/contain no-repeat}
@media(max-width:1100px){.fz-flow{column-gap:34px}.fz-flow-ico,.fz-flow-ico img{width:68px;height:68px}.fz-flow-step:not(:last-child)::after{top:28px;right:-29px;width:24px;height:12px}.fz-flow-step h3{font-size:15.5px}.fz-band .fz-flow-step p{font-size:13.5px}}
@media(max-width:860px){
 .fz-flow{grid-template-columns:1fr;row-gap:72px;max-width:380px;margin-left:auto;margin-right:auto}
 .fz-flow-ico,.fz-flow-ico img{width:92px;height:92px}.fz-flow-step h3{font-size:19px}.fz-band .fz-flow-step p{font-size:15.5px}
 .fz-flow-step:not(:last-child)::after{top:auto;right:auto;left:calc(50% - 12px);bottom:-58px;width:24px;height:44px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 48' fill='none' stroke='%231266F1' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 4v38M4 32l8 10 8-10'/%3E%3C/svg%3E")}
}
/* Popup lead form */
.fz-modal{position:fixed;inset:0;background:rgba(11,31,58,.68);z-index:10000;display:flex;align-items:flex-start;justify-content:center;overflow-y:auto;padding:40px 16px}
.fz-modal[hidden]{display:none}
.fz-modal-box{position:relative;width:100%;max-width:860px;margin:auto}
.fz-modal .fz-form-wrap{margin:0;box-shadow:0 30px 80px rgba(0,0,0,.45)}
.fz-modal-x{position:absolute;top:14px;right:16px;z-index:2;width:42px;height:42px;border-radius:50%;border:0;background:var(--fz-light);color:var(--fz-navy);font-size:28px;line-height:1;cursor:pointer}
.fz-modal-x:hover{background:#d6e8ff}
html.fz-modal-open{overflow:hidden}
@media(max-width:620px){.fz-modal{padding:12px 8px}.fz-title{font-size:32px}}
.fz-flow-step p,.fz-intro p,.fz-closing p{-webkit-hyphens:manual;hyphens:manual}

.fz-modal .fz-tool{margin:0;box-shadow:0 30px 80px rgba(0,0,0,.45)}