/* ═══════════════════════════════════════
   KALÓ ÁDÁM MIKLÓS – style.css
   ═══════════════════════════════════════ */

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --bg:#f9f6f0;--bg2:#f2ede4;--bg3:#ede6d8;
  --ink:#1e1a14;--ink2:#3a3428;
  --gold:#a8762a;--gold2:#c99840;--gold3:#e8c97a;
  --sand:#e8dfc8;--muted:#8a7d6a;
  --line:rgba(168,118,42,.15);--white:#ffffff;
  --dark:#0d1b2a;--dark2:#152338;
  --green:#2d9e6b;--red:#c0392b;
}

html{scroll-behavior:smooth}
html{overflow-x:hidden;max-width:100%}body{background:var(--bg);color:var(--ink);font-family:'Outfit',sans-serif;font-weight:300;line-height:1.6;overflow-x:hidden;max-width:100%}


/* ── BANKMONITOR PARTNER LOGO ── */
.bm-logo-link{display:flex;align-items:center;opacity:.75;transition:opacity .2s}
.bm-logo-link:hover{opacity:1}
.bm-logo{height:28px;width:auto;display:block;filter:grayscale(20%);transition:filter .2s}
.bm-logo-link:hover .bm-logo{filter:grayscale(0%)}
nav.scrolled .bm-logo{filter:grayscale(0%)}

@media(max-width:900px){
  .bm-logo-link{display:none}
}

/* ── NAV ── */
nav{position:fixed;top:0;left:0;right:0;z-index:200;display:flex;justify-content:space-between;align-items:center;padding:1.2rem 2rem;transition:background .4s,box-shadow .4s,border-color .4s;border-bottom:1px solid transparent;background:rgba(249,246,240,.85);backdrop-filter:blur(12px)}
nav.scrolled{background:rgba(249,246,240,.97);backdrop-filter:blur(16px);box-shadow:0 2px 24px rgba(30,26,20,.07);border-bottom-color:var(--line)}
.nav-brand{text-decoration:none;display:flex;flex-direction:column}
.nav-brand-name{font-family:'Cormorant Garamond',serif;font-size:1.1rem;font-weight:600;color:var(--ink);letter-spacing:.04em}
.nav-brand-sub{font-size:.6rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.nav-links{display:flex;gap:2rem;list-style:none;align-items:center}
.nav-links a{text-decoration:none;color:var(--muted);font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;transition:color .2s}
.nav-links a:hover{color:var(--gold)}
.nav-cta{padding:.55rem 1.4rem;border:1px solid var(--gold);color:var(--gold)!important;transition:background .2s,color .2s!important}
.nav-cta:hover{background:var(--gold)!important;color:var(--white)!important}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:.5rem}
.nav-hamburger span{display:block;width:24px;height:2px;background:var(--ink);transition:.3s}
.mobile-menu{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:#f9f6f0;z-index:299;flex-direction:column;align-items:center;justify-content:center;gap:2rem}
.mobile-menu.open{display:flex}
.mobile-menu a{font-family:'Cormorant Garamond',serif;font-size:2rem;color:var(--ink);text-decoration:none;transition:color .2s}
.mobile-menu a:hover{color:var(--gold)}
.mobile-close{position:absolute;top:1.5rem;right:1.5rem;font-size:2rem;cursor:pointer;color:var(--muted)}

/* ── HERO ── */
.hero{min-height:100vh;display:grid;grid-template-columns:1fr 1fr;align-items:center;padding:7rem 4rem 4rem;gap:4rem;position:relative;overflow:hidden;background:linear-gradient(135deg,#f9f6f0 0%,#f0e9d8 60%,#e8dfc8 100%)}
.hero-grid{position:absolute;inset:0;z-index:0;background-image:linear-gradient(rgba(168,118,42,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(168,118,42,.04) 1px,transparent 1px);background-size:60px 60px;animation:gridMove 20s linear infinite}
@keyframes gridMove{from{background-position:0 0}to{background-position:60px 60px}}
.hero-glow{position:absolute;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(168,118,42,.1) 0%,transparent 70%);top:-100px;right:-100px;z-index:0;pointer-events:none}
.hero-left{position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:.6rem;border:1px solid rgba(168,118,42,.3);background:rgba(168,118,42,.06);padding:.4rem 1rem;font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:1.5rem;box-shadow:0 2px 12px rgba(168,118,42,.08);opacity:0;animation:fadeUp .7s .1s forwards}
.hero-badge-dot{width:6px;height:6px;border-radius:50%;background:var(--gold);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.3}}
.hero-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2.8rem,5.5vw,6rem);font-weight:300;line-height:1.0;letter-spacing:-.02em;margin-bottom:.5rem;opacity:0;animation:fadeUp .8s .25s forwards}
.hero-title span{color:var(--gold);font-style:italic}
.hero-name{font-family:'Cormorant Garamond',serif;font-size:clamp(.9rem,1.8vw,1.3rem);font-weight:300;letter-spacing:.25em;text-transform:uppercase;color:var(--muted);margin-bottom:2rem;opacity:0;animation:fadeUp .8s .4s forwards}
.hero-desc{font-size:.95rem;color:var(--muted);line-height:1.85;max-width:480px;margin-bottom:2.5rem;opacity:0;animation:fadeUp .8s .55s forwards}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;opacity:0;animation:fadeUp .8s .7s forwards}
.hero-right{position:relative;z-index:1;opacity:0;animation:fadeIn 1s .6s forwards;max-width:400px;justify-self:end}
.hero-photo-frame{width:100%;max-width:340px;aspect-ratio:2/3;background:linear-gradient(160deg,var(--bg2) 0%,var(--sand) 100%);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;box-shadow:0 12px 40px rgba(30,26,20,.1)}
.hero-badge-float{position:absolute;bottom:-1rem;left:-1rem;background:var(--gold);color:var(--white);padding:1.2rem 1.5rem;text-align:center}
.hero-badge-float-num{font-family:'Cormorant Garamond',serif;font-size:2.2rem;font-weight:600;line-height:1}
.hero-badge-float-text{font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;margin-top:.2rem}

/* ── BUTTONS ── */
.btn-gold{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 2rem;background:var(--gold);color:var(--white);font-size:.8rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;transition:background .2s,transform .2s;box-shadow:0 4px 20px rgba(168,118,42,.25)}
.btn-gold:hover{background:var(--gold2);transform:translateY(-2px)}
.btn-outline{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 2rem;border:1px solid rgba(30,26,20,.25);color:var(--ink);background:rgba(255,255,255,.6);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;transition:border-color .2s,color .2s,transform .2s}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}

/* ── STATS ── */
.stats-bar{background:#fff;border-top:2px solid var(--line);border-bottom:2px solid var(--line);display:grid;grid-template-columns:repeat(4,1fr);box-shadow:0 2px 20px rgba(168,118,42,.06)}
.stat-item{padding:1.75rem;text-align:center;border-right:1px solid var(--line);transition:background .2s}
.stat-item:last-child{border-right:none}
.stat-item:hover{background:var(--bg2)}
.stat-num{font-family:'Cormorant Garamond',serif;font-size:2.5rem;font-weight:300;color:var(--gold);line-height:1;margin-bottom:.3rem}
.stat-label{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}

/* ── PARTNERS ── */
.partners-section{background:var(--section-alt,#f4efe7);padding:3rem 4rem;overflow:hidden;max-width:100vw;border-top:1px solid var(--line)}
.partners-label{font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);text-align:center;margin-bottom:1.5rem}
.partners-tabs{display:flex;justify-content:center;gap:1rem;margin-bottom:1.5rem}
.partner-tab{padding:.4rem 1.2rem;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;border:1px solid var(--line);cursor:pointer;transition:all .2s;color:var(--muted);background:transparent;font-family:'Outfit',sans-serif}
.partner-tab.active{background:var(--gold);color:var(--white);border-color:var(--gold)}
.partners-track-wrap{overflow:hidden;mask-image:linear-gradient(90deg,transparent,black 10%,black 90%,transparent)}
.partners-track{display:flex;gap:2rem;animation:scroll 30s linear infinite;width:max-content;align-items:center}
.partners-track:hover{animation-play-state:paused}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.partner-logo-item{display:flex;align-items:center;justify-content:center;width:130px;height:60px;background:var(--white);border:1px solid var(--line);padding:.75rem 1.25rem;flex-shrink:0;transition:border-color .2s,box-shadow .2s,transform .2s}
.partner-logo-item:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(168,118,42,.1);transform:translateY(-2px)}
.partner-logo-item img{max-width:100%;max-height:100%;object-fit:contain;filter:grayscale(100%);opacity:.65;transition:filter .2s,opacity .2s}
.partner-logo-item:hover img{filter:grayscale(0%);opacity:1}
.partner-logo-fallback{font-size:.72rem;letter-spacing:.04em;color:var(--muted);text-align:center;line-height:1.3}

/* ── SECTION BASE ── */
.section{padding:6rem 4rem}
.sec-label{font-size:.68rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:.75rem}
.sec-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,3.8vw,3.5rem);font-weight:300;line-height:1.1;letter-spacing:-.01em;color:var(--ink)}
.sec-title em{font-style:italic;color:var(--gold)}

/* ── SERVICES ── */
.services-section{background:var(--white)}
.services-intro{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:end;margin-bottom:4rem;padding-bottom:3rem;border-bottom:1px solid var(--line)}
.services-intro p{color:var(--muted);font-size:.92rem;line-height:1.85}
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.service-card{background:var(--bg);border:1px solid var(--line);padding:2.5rem;position:relative;overflow:hidden;transition:border-color .3s,box-shadow .3s,transform .3s}
.service-card:hover{border-color:var(--gold);box-shadow:0 8px 32px rgba(168,118,42,.1);transform:translateY(-3px)}
.service-card::before{content:'';position:absolute;top:0;left:0;width:3px;height:0;background:var(--gold);transition:height .4s}
.service-card:hover::before{height:100%}
.service-icon{font-size:2rem;margin-bottom:1.2rem;display:block}
.service-name{font-family:'Cormorant Garamond',serif;font-size:1.4rem;font-weight:400;margin-bottom:.75rem;color:var(--ink)}
.service-desc{font-size:.83rem;color:var(--muted);line-height:1.8;margin-bottom:1rem}
.service-features{list-style:none;display:flex;flex-direction:column;gap:.4rem}
.service-features li{font-size:.75rem;color:var(--muted);display:flex;align-items:center;gap:.6rem}
.service-features li::before{content:'';width:14px;height:1px;background:var(--gold);flex-shrink:0}

/* ── ABOUT ── */
.about-section{background:var(--bg2)}
.about-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:6rem;align-items:center}
.about-img-wrap{position:relative}
.about-img{width:100%;aspect-ratio:3/4;background:linear-gradient(160deg,var(--bg) 0%,var(--sand) 100%);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 20px 60px rgba(30,26,20,.08)}
.about-img-badge{position:absolute;bottom:-1.5rem;right:-1.5rem;background:var(--gold);color:var(--white);padding:1.5rem;text-align:center;min-width:130px}
.about-img-badge-num{font-family:'Cormorant Garamond',serif;font-size:2.5rem;font-weight:600;line-height:1}
.about-img-badge-text{font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;margin-top:.25rem}
.about-text p{color:var(--muted);font-size:.92rem;line-height:1.9;margin-bottom:1.5rem}
.values-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:2rem}
.value-item{border:1px solid var(--line);padding:1.1rem;transition:border-color .2s,box-shadow .2s}
.value-item:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(168,118,42,.08)}
.value-title{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.3rem}
.value-desc{font-size:.78rem;color:var(--muted);line-height:1.6}

/* ── PROCESS ── */
.process-section{background:var(--white)}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:4rem}
.process-steps::before{content:'';position:absolute;top:2rem;left:12.5%;right:12.5%;height:1px;background:var(--line);z-index:0}
.process-step{padding:0 1.5rem;text-align:center;position:relative;z-index:1}
.step-circle{width:4rem;height:4rem;border-radius:50%;border:1px solid var(--gold);background:var(--white);display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem;font-family:'Cormorant Garamond',serif;font-size:1.2rem;color:var(--gold);transition:background .2s,color .2s;box-shadow:0 2px 12px rgba(168,118,42,.1)}
.process-step:hover .step-circle{background:var(--gold);color:var(--white)}
.step-title{font-family:'Cormorant Garamond',serif;font-size:1.15rem;margin-bottom:.6rem;color:var(--ink)}
.step-desc{font-size:.8rem;color:var(--muted);line-height:1.7}

/* ── CALCULATORS ── */
.calc-section{background:var(--bg2)}
.calc-intro{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:end;margin-bottom:3rem;padding-bottom:2.5rem;border-bottom:1px solid var(--line)}
.calc-intro p{color:var(--muted);font-size:.92rem;line-height:1.85}
.calc-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}
.calc-card{background:var(--white);border:1px solid var(--line);padding:1.75rem 1.25rem;text-align:center;text-decoration:none;color:var(--ink);transition:border-color .3s,box-shadow .3s,transform .3s;display:flex;flex-direction:column;align-items:center;gap:.75rem}
.calc-card:hover{border-color:var(--gold);box-shadow:0 8px 28px rgba(168,118,42,.12);transform:translateY(-4px)}
.calc-icon{width:56px;height:56px;border-radius:50%;background:rgba(168,118,42,.08);display:flex;align-items:center;justify-content:center;font-size:1.5rem;transition:background .3s}
.calc-card:hover .calc-icon{background:var(--gold);color:var(--white)}
.calc-name{font-family:'Cormorant Garamond',serif;font-size:1rem;font-weight:400;line-height:1.3;color:var(--ink)}
.calc-arrow{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-top:.25rem}

/* ── BLOG ── */
.blog-section{background:var(--white)}
.blog-intro{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:0;padding-bottom:2rem;border-bottom:1px solid var(--line)}
.blog-track-wrap{overflow:hidden;mask-image:linear-gradient(90deg,transparent,black 5%,black 95%,transparent);margin-top:3rem}
.blog-track{display:flex;gap:1.5rem;animation:blogScroll 40s linear infinite;width:max-content}
.blog-track:hover{animation-play-state:paused}
@keyframes blogScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.blog-card{background:var(--bg);border:1px solid var(--line);overflow:hidden;transition:border-color .3s,box-shadow .3s,transform .3s;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;width:340px;flex-shrink:0}
.blog-card:hover{border-color:var(--gold);box-shadow:0 8px 28px rgba(168,118,42,.1);transform:translateY(-4px)}
.blog-img{width:100%;aspect-ratio:16/9;display:flex;align-items:center;justify-content:center;font-size:2.5rem}
.blog-img-1{background:linear-gradient(135deg,#f0e8d5 0%,#dcc99a 100%)}
.blog-img-2{background:linear-gradient(135deg,#d5e8e0 0%,#9ac9b5 100%)}
.blog-img-3{background:linear-gradient(135deg,#d5dde8 0%,#9ab0c9 100%)}
.blog-meta{display:flex;gap:.75rem;align-items:center;padding:1rem 1.25rem .6rem;border-bottom:1px solid var(--line)}
.blog-tag{font-size:.63rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);background:rgba(168,118,42,.08);padding:.2rem .65rem}
.blog-date{font-size:.68rem;color:var(--muted);margin-left:auto}
.blog-body{padding:1.25rem;flex:1;display:flex;flex-direction:column}
.blog-title{font-family:'Cormorant Garamond',serif;font-size:1.2rem;font-weight:400;line-height:1.3;margin-bottom:.65rem;color:var(--ink);transition:color .2s}
.blog-card:hover .blog-title{color:var(--gold)}
.blog-excerpt{font-size:.8rem;color:var(--muted);line-height:1.75;flex:1;margin-bottom:1rem}
.blog-read{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:.4rem;margin-top:auto}
.blog-read::after{content:'→';transition:transform .2s}
.blog-card:hover .blog-read::after{transform:translateX(4px)}
.blog-author{display:flex;align-items:center;gap:.6rem;margin-top:1rem;padding-top:1rem;border-top:1px solid var(--line)}
.blog-author-img{width:26px;height:26px;border-radius:50%;overflow:hidden;border:1px solid var(--line);flex-shrink:0}
.blog-author-img img{width:100%;height:100%;object-fit:cover;object-position:top}
.blog-author-name{font-size:.7rem;color:var(--muted)}


/* ── GOOGLE REVIEWS ── */
.reviews-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:3rem;padding-bottom:2rem;border-bottom:1px solid var(--line);flex-wrap:wrap;gap:2rem}

.google-summary{background:var(--white);border:1px solid var(--line);padding:1.75rem 2rem;text-align:center;min-width:220px;box-shadow:0 2px 12px rgba(30,26,20,.05);transition:box-shadow .2s}
.google-summary:hover{box-shadow:0 4px 20px rgba(30,26,20,.1)}
.google-summary-logo{margin-bottom:1rem;display:flex;justify-content:center}
.google-summary-score{font-family:'Cormorant Garamond',serif;font-size:3rem;font-weight:300;color:var(--ink);line-height:1}
.google-summary-stars{font-size:1.4rem;letter-spacing:.1em;margin:.4rem 0}
.google-summary-count{font-size:.72rem;color:var(--muted);letter-spacing:.08em;margin-bottom:1.25rem}
.google-review-btn{display:inline-block;padding:.55rem 1.25rem;border:1px solid var(--gold);color:var(--gold);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;transition:background .2s,color .2s}
.google-review-btn:hover{background:var(--gold);color:var(--white)}

.google-reviews-track-wrap{overflow:hidden;mask-image:linear-gradient(90deg,transparent,black 5%,black 95%,transparent)}
.google-reviews-track{display:flex;gap:1.5rem;animation:reviewsScroll 45s linear infinite;width:max-content}
.google-reviews-track:hover{animation-play-state:paused}
@keyframes reviewsScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

.google-review-card{background:var(--white);border:1px solid var(--line);padding:1.75rem;width:320px;flex-shrink:0;display:flex;flex-direction:column;gap:.75rem;transition:border-color .2s,box-shadow .2s,transform .2s}
.google-review-card:hover{border-color:rgba(66,133,244,.3);box-shadow:0 4px 20px rgba(66,133,244,.08);transform:translateY(-3px)}

.gr-header{display:flex;align-items:center;gap:.75rem}
.gr-avatar{width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-family:'Outfit',sans-serif;font-size:.85rem;font-weight:500;flex-shrink:0}
.gr-author-info{flex:1;min-width:0}
.gr-author{font-size:.88rem;font-weight:500;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.gr-date{font-size:.72rem;color:var(--muted);margin-top:.1rem}
.gr-google-icon{flex-shrink:0;opacity:.6}
.gr-stars{font-size:1rem;letter-spacing:.05em}
.gr-text{font-size:.83rem;color:var(--muted);line-height:1.75;font-style:italic;flex:1}

@media(max-width:900px){
  .reviews-header{flex-direction:column;align-items:flex-start}
  .google-summary{width:100%;min-width:0}
}
/* ── TESTIMONIALS ── */
.testimonials-section{background:var(--white)}
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:3rem}
.testimonial{background:var(--white);border:1px solid var(--line);padding:2rem;transition:border-color .2s,transform .2s,box-shadow .2s}
.testimonial:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 8px 28px rgba(168,118,42,.08)}
.testimonial-quote{font-family:'Cormorant Garamond',serif;font-size:3rem;color:var(--gold);line-height:.8;margin-bottom:1rem;opacity:.3}
.testimonial-text{font-size:.85rem;color:var(--muted);line-height:1.8;margin-bottom:1.5rem;font-style:italic}
.testimonial-author{font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.testimonial-role{font-size:.7rem;color:var(--muted);margin-top:.2rem}
.stars{color:var(--gold);font-size:.85rem;margin-bottom:.75rem;letter-spacing:.1em}

/* ── FAQ ── */
.faq-section{background:var(--white)}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);margin-top:3rem}
.faq-item{background:var(--white);transition:background .2s}
.faq-item:hover{background:var(--bg)}
.faq-question{width:100%;text-align:left;padding:1.5rem 2rem;font-family:'Cormorant Garamond',serif;font-size:1.1rem;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;background:none;border:none}
.faq-question:hover{color:var(--gold)}
.faq-toggle{width:24px;height:24px;border:1px solid var(--line);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;flex-shrink:0;color:var(--gold);transition:transform .3s,background .2s}
.faq-item.open .faq-toggle{transform:rotate(45deg);background:var(--gold);color:var(--white);border-color:var(--gold)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s;font-size:.85rem;color:var(--muted);line-height:1.8;padding:0 2rem}
.faq-item.open .faq-answer{max-height:300px;padding-bottom:1.5rem}

/* ── CONTACT ── */
.contact-section{background:linear-gradient(135deg,#2c2318 0%,#1e1a14 100%);color:var(--bg);position:relative;overflow:hidden}
.contact-glow{position:absolute;z-index:0;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(168,118,42,.1) 0%,transparent 70%);bottom:-200px;left:50%;transform:translateX(-50%);pointer-events:none}
.contact-inner{position:relative;z-index:1}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:6rem;align-items:start}
.contact-left .sec-label{color:var(--gold2)}
.contact-left .sec-title{color:var(--bg);margin-bottom:1.5rem}
.contact-left p{color:rgba(249,246,240,.55);font-size:.92rem;line-height:1.85}
.contact-ways{display:flex;flex-direction:column;gap:.75rem;margin-top:2rem}
.contact-way{display:flex;align-items:center;gap:.75rem;color:rgba(249,246,240,.7);text-decoration:none;font-size:.88rem;transition:color .2s}
.contact-way:hover{color:var(--gold2)}
.contact-way-icon{width:36px;height:36px;border:1px solid rgba(168,118,42,.3);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.contact-right{background:rgba(255,255,255,.04);border:1px solid rgba(168,118,42,.2);padding:2.5rem}
.contact-form-title{font-family:'Cormorant Garamond',serif;font-size:1.4rem;color:var(--bg);margin-bottom:2rem;padding-bottom:1rem;border-bottom:1px solid rgba(168,118,42,.2)}
.form-tabs{display:flex;gap:0;margin-bottom:2rem;border:1px solid rgba(168,118,42,.2)}
.form-tab{flex:1;padding:.6rem;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;cursor:pointer;text-align:center;color:rgba(249,246,240,.4);transition:all .2s;background:transparent;border:none;font-family:'Outfit',sans-serif}
.form-tab.active{background:var(--gold);color:var(--white)}
.form-panel{display:none}.form-panel.active{display:block}
.form-group{margin-bottom:1.25rem}
.form-label{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(249,246,240,.4);margin-bottom:.5rem;display:block}
.form-input,.form-select,.form-textarea{width:100%;background:rgba(255,255,255,.05);border:1px solid rgba(168,118,42,.2);color:var(--bg);padding:.75rem 1rem;font-family:'Outfit',sans-serif;font-size:.88rem;outline:none;transition:border-color .2s}
.form-input::placeholder,.form-textarea::placeholder{color:rgba(249,246,240,.25)}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--gold)}
.form-select option{background:var(--dark);color:var(--bg)}
.form-textarea{resize:vertical;min-height:90px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-submit{width:100%;padding:1rem;background:var(--gold);color:var(--white);border:none;font-family:'Outfit',sans-serif;font-size:.82rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;cursor:pointer;transition:background .2s,transform .2s}
.form-submit:hover{background:var(--gold2);transform:translateY(-1px)}
.calendly-placeholder{text-align:center;padding:2rem 1rem;border:1px dashed rgba(168,118,42,.3);color:rgba(249,246,240,.4);font-size:.82rem;line-height:1.7}
.calendly-btn{display:inline-flex;align-items:center;gap:.5rem;margin-top:1rem;padding:.7rem 1.5rem;border:1px solid var(--gold);color:var(--gold);font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;transition:background .2s,color .2s}
.calendly-btn:hover{background:var(--gold);color:var(--white)}

/* ── CHAT ── */
.chat-greet-bubble{position:fixed;bottom:10.5rem;right:1.25rem;z-index:998;background:#fff;border:1px solid rgba(168,118,42,.35);padding:1rem 1.25rem;max-width:240px;box-shadow:0 8px 32px rgba(13,27,42,.25);opacity:0;transform:translateY(10px) scale(.95);pointer-events:none;transition:opacity .4s,transform .4s}
.chat-greet-bubble.visible{opacity:1;transform:translateY(0) scale(1);pointer-events:auto}
.chat-greet-bubble::after{content:'';position:absolute;bottom:-8px;right:22px;width:14px;height:8px;background:#fff;clip-path:polygon(0 0,100% 0,50% 100%)}
.chat-greet-name{font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.4rem}
.chat-greet-text{font-size:.82rem;color:rgba(249,246,240,.8);line-height:1.5;margin-bottom:.75rem}
.chat-greet-cta{display:inline-block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);cursor:pointer;border-bottom:1px solid rgba(168,118,42,.4);padding-bottom:.1rem;transition:color .2s}
.chat-greet-cta:hover{color:var(--gold2)}
.chat-greet-close{position:absolute;top:.5rem;right:.6rem;background:none;border:none;color:rgba(30,26,20,.4);cursor:pointer;font-size:.9rem;line-height:1;transition:color .2s}
.chat-btn{position:fixed;bottom:5.5rem;right:1.25rem;z-index:998;width:56px;height:56px;border-radius:50%;background:var(--ink);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 4px 20px rgba(13,27,42,.3);transition:transform .3s}
.chat-btn:hover{transform:scale(1.1)}
.chat-btn svg{width:24px;height:24px}
.chat-bubble-count{position:absolute;top:-4px;right:-4px;width:18px;height:18px;border-radius:50%;background:var(--gold);color:var(--white);font-size:.62rem;display:flex;align-items:center;justify-content:center;font-weight:500}
.chat-window{position:fixed;bottom:10.5rem;right:1.25rem;z-index:997;width:360px;background:var(--white);border:1px solid var(--line);box-shadow:0 20px 60px rgba(30,26,20,.15);display:none;flex-direction:column;max-height:500px}
.chat-window.open{display:flex}
.chat-header{background:var(--ink);padding:1rem 1.25rem;display:flex;justify-content:space-between;align-items:center}
.chat-header-info{display:flex;align-items:center;gap:.75rem}
.chat-avatar{width:36px;height:36px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1rem}
.chat-header-name{font-family:'Cormorant Garamond',serif;font-size:1rem;color:var(--bg)}
.chat-header-status{font-size:.65rem;color:rgba(249,246,240,.5);letter-spacing:.08em}
.chat-close{background:none;border:none;color:rgba(249,246,240,.9);cursor:pointer;font-size:1.4rem;transition:color .2s;padding:.35rem;line-height:1}
.chat-close:hover{color:var(--bg)}
.chat-messages{flex:1;overflow-y:auto;padding:1.25rem;display:flex;flex-direction:column;gap:.75rem;scroll-behavior:smooth}
.chat-msg{max-width:85%;padding:.75rem 1rem;font-size:.83rem;line-height:1.6}
.chat-msg.bot{background:var(--bg);color:var(--ink);align-self:flex-start}
.chat-msg.user{background:var(--gold);color:var(--white);align-self:flex-end}
.chat-msg.typing{background:var(--bg);align-self:flex-start;padding:.9rem 1rem}
.typing-dots{display:flex;gap:4px;align-items:center}
.typing-dots span{width:6px;height:6px;border-radius:50%;background:var(--muted);animation:typingBounce 1.2s infinite}
.typing-dots span:nth-child(2){animation-delay:.2s}
.typing-dots span:nth-child(3){animation-delay:.4s}
@keyframes typingBounce{0%,60%,100%{transform:translateY(0)}30%{transform:translateY(-6px)}}
.chat-suggestions{display:flex;flex-wrap:wrap;gap:.4rem;padding:.75rem 1.25rem;border-top:1px solid var(--line)}
.chat-suggestion{padding:.35rem .85rem;border:1px solid var(--line);font-size:.72rem;color:var(--muted);cursor:pointer;transition:all .2s;background:none;border-radius:20px;font-family:'Outfit',sans-serif}
.chat-suggestion:hover{border-color:var(--gold);color:var(--gold)}
.chat-input-row{display:flex;border-top:1px solid var(--line);padding:.75rem 1rem;gap:.5rem}
.chat-input{flex:1;border:none;outline:none;font-family:'Outfit',sans-serif;font-size:.85rem;color:var(--ink);background:transparent}
.chat-input::placeholder{color:var(--muted)}
.chat-send{background:var(--gold);color:var(--white);border:none;width:34px;height:34px;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background .2s;flex-shrink:0}
.chat-send:hover{background:var(--gold2)}

/* ── WHATSAPP ── */
.whatsapp-btn{position:fixed;bottom:1.25rem;right:1.25rem;z-index:999;width:52px;height:52px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,.35);text-decoration:none;transition:transform .3s,box-shadow .3s}
.whatsapp-btn:hover{transform:scale(1.1);box-shadow:0 6px 28px rgba(37,211,102,.5)}
.whatsapp-btn svg{width:28px;height:28px}
.whatsapp-tooltip{position:absolute;right:64px;top:50%;transform:translateY(-50%);background:var(--ink);color:var(--bg);font-size:.75rem;white-space:nowrap;padding:.45rem .9rem;opacity:0;pointer-events:none;transition:opacity .2s}
.whatsapp-btn:hover .whatsapp-tooltip{opacity:1}

/* ── COOKIE ── */
/* régi .cookie-bar eltávolítva — cookie-banner.php kezeli */

/* ── FOOTER ── */
footer{background:#2c2318;border-top:1px solid rgba(168,118,42,.15);padding:2rem 4rem;display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:1rem;position:relative;z-index:1}
.footer-brand{font-family:'Cormorant Garamond',serif;font-size:1rem;color:var(--bg);letter-spacing:.05em}
.footer-links{display:flex;gap:1.5rem;list-style:none;flex-wrap:wrap}
.footer-links a{font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(249,246,240,.5);text-decoration:none;transition:color .2s;cursor:pointer;pointer-events:all}
.footer-links a:hover{color:var(--gold)}
.footer-copy{font-size:.68rem;color:rgba(249,246,240,.2);letter-spacing:.05em}

/* ── ANIMATIONS ── */
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:none}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .hero{grid-template-columns:1fr;padding:6rem 2rem 4rem;background:linear-gradient(135deg,var(--bg) 100%,var(--sand) 100%)}
  .hero-right{display:none!important}
  .hero-glow{display:none}
  .calc-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:900px){
  nav{padding:1rem 1rem;box-sizing:border-box;width:100%}
  .nav-links{display:none}
  .nav-hamburger{display:flex}
  .bm-logo-link{display:none}
  .section{padding:4rem 1.5rem;box-sizing:border-box;max-width:100%}
  .partners-section{padding:2rem 1.5rem}
  .stats-bar{grid-template-columns:repeat(2,1fr)}
  .stat-item{padding:1.25rem 1rem}
  .stat-num{font-size:2rem}
  .services-intro,.calc-intro,.contact-grid{grid-template-columns:1fr;gap:1.5rem}
  .services-grid{grid-template-columns:1fr}
  .service-card{padding:1.75rem}
  .about-grid{grid-template-columns:1fr;gap:3rem}
  .about-img-badge{display:none}
  .process-steps{grid-template-columns:repeat(2,1fr);gap:2rem}
  .process-steps::before{display:none}
  .process-step{padding:0 .75rem}
  .reviews-header{flex-direction:column;align-items:flex-start;gap:1.5rem}
  .google-summary{width:100%}
  .testimonials-grid{grid-template-columns:1fr}
  .faq-grid{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:repeat(2,1fr)}
  .chat-window{width:calc(100vw - 2.5rem);right:1.25rem;left:1.25rem;bottom:8.5rem;max-width:380px}
  .cookie-bar{padding:1rem 1.5rem}
  footer{padding:1.5rem;flex-direction:column;align-items:flex-start;gap:.75rem}
  .footer-links{flex-wrap:wrap;gap:1rem}
  .form-row{grid-template-columns:1fr}
  .contact-right{padding:1.5rem}
  .hero-title{font-size:clamp(2.5rem,10vw,4rem)}
  .blog-track .blog-card{width:280px}
  .google-review-card{width:280px}
  .elomino-grid{grid-template-columns:1fr;gap:2rem}
  .miert-grid{grid-template-columns:1fr 1fr;gap:1rem}
}

@media(max-width:480px){
  .section{padding:3rem 1rem}
  .partners-section{padding:1.5rem 1rem}
  .calc-grid{grid-template-columns:repeat(2,1fr)}
  .stats-bar{grid-template-columns:repeat(2,1fr)}
  .hero-actions{flex-direction:column}
  .btn-gold,.btn-outline{width:100%;justify-content:center}
  .process-steps{grid-template-columns:1fr;gap:2rem}
  .elomino-grid{grid-template-columns:1fr}
  .miert-grid{grid-template-columns:1fr}
  .faq-question{font-size:1rem;padding:1.25rem 1rem}
  .faq-answer{padding:0 1rem}
  .faq-item.open .faq-answer{padding-bottom:1.25rem}
}

/* ── HERO TRUST ROW ─────────────────────────────────────────── */
.hero-trust-row{display:flex;gap:1rem;flex-wrap:wrap;margin:.75rem 0 1.25rem}
.hero-trust-item{font-size:.72rem;color:rgba(249,246,240,.9);letter-spacing:.04em}

/* ── ELŐMINŐSÍTŐ KALKULÁTOR ─────────────────────────────────── */
.elomino-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.elomino-features{display:flex;flex-direction:column;gap:.5rem;margin-top:1rem}
.elomino-feature{font-size:.78rem;color:rgba(249,246,240,.5);padding:.3rem 0;border-bottom:1px solid rgba(255,255,255,.06)}
.elomino-card{background:rgba(255,255,255,.04);border:1px solid rgba(168,118,42,.2);padding:2rem}
.elomino-card-title{font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:#a8762a;margin-bottom:1.5rem;padding-bottom:.75rem;border-bottom:1px solid rgba(168,118,42,.15)}
.elomino-form{display:flex;flex-direction:column;gap:1rem}
.elomino-field{display:flex;flex-direction:column;gap:.3rem}
.elomino-field label{font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(249,246,240,.35)}
.elomino-input-wrap{position:relative}
.elomino-input{width:100%;padding:.75rem 3rem .75rem 1rem;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);color:#f9f6f0;font-family:Outfit,sans-serif;font-size:.88rem;outline:none;transition:border-color .2s;box-sizing:border-box}
.elomino-input:focus{border-color:var(--gold)}
.elomino-unit{position:absolute;right:.75rem;top:50%;transform:translateY(-50%);font-size:.65rem;color:rgba(249,246,240,.3);pointer-events:none}
.elomino-result{background:rgba(168,118,42,.1);border:1px solid rgba(168,118,42,.25);padding:.75rem 1rem;font-size:.82rem;color:var(--gold);display:none;border-radius:2px}

/* ── MIÉRT VÁLASSZ ENGEM ────────────────────────────────────── */
.miert-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-bottom:3rem}
.miert-item{background:var(--white);border:1px solid var(--line);padding:1.75rem;transition:transform .2s,box-shadow .2s}
.miert-item:hover{transform:translateY(-3px);box-shadow:0 8px 30px rgba(0,0,0,.06)}
.miert-icon{font-size:1.75rem;margin-bottom:.75rem}
.miert-title{font-family:'Cormorant Garamond',serif;font-size:1.1rem;color:var(--ink);margin-bottom:.5rem;font-weight:600}
.miert-desc{font-size:.78rem;color:var(--muted);line-height:1.7}

/* ── BANK VS TANÁCSADÓ TÁBLÁZAT ─────────────────────────────── */
.vs-table-wrap{background:var(--white);border:1px solid var(--line);padding:2.5rem;max-width:860px;margin:0 auto}
.vs-table-title{font-family:'Cormorant Garamond',serif;font-size:1.4rem;color:var(--ink);text-align:center;margin-bottom:1.5rem;font-weight:400}
.vs-table{width:100%}
.vs-table-header{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:1px;background:var(--line);margin-bottom:1px}
.vs-table-header>div{padding:.75rem 1rem;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;background:var(--bg);color:var(--muted);text-align:center}
.vs-col-advisor{background:rgba(168,118,42,.05)!important;color:var(--gold)!important}
.vs-row{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:1px;background:var(--line);margin-bottom:1px}
.vs-row>div{padding:.75rem 1rem;font-size:.8rem;background:var(--white);line-height:1.5}
.vs-col-label{font-weight:500;color:var(--ink);background:var(--bg)!important}
.vs-bad{color:var(--muted);text-align:center}
.vs-good{color:#1a7a3a;font-weight:500;text-align:center;background:rgba(26,122,58,.03)!important}

@media(max-width:900px){
  .elomino-grid{grid-template-columns:1fr;gap:2rem}
  .miert-grid{grid-template-columns:repeat(2,1fr)}
  .vs-table-header,.vs-row{grid-template-columns:1fr 1fr;font-size:.72rem}
  .vs-col-label{display:none}
}
@media(max-width:600px){
  .miert-grid{grid-template-columns:1fr}
  .vs-table-header,.vs-row{grid-template-columns:1fr}
  .vs-col-bank{display:none}
}

/* ── FRISS CIKKEK GRID ───────────────────────────────────────── */
.fresh-blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-bottom:2rem}
.fresh-blog-card{text-decoration:none;background:var(--white);border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.fresh-blog-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,.08)}
.fresh-blog-thumb{height:180px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;background:#f4efe7}
.fresh-blog-emoji{font-size:2.5rem}
.fresh-blog-cat{position:absolute;bottom:.75rem;left:.75rem;font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;background:rgba(0,0,0,.3);color:#fff;padding:.2rem .5rem;backdrop-filter:blur(4px)}
.fresh-blog-body{padding:1.25rem;flex:1;display:flex;flex-direction:column;gap:.5rem}
.fresh-blog-meta{display:flex;gap:.75rem;font-size:.65rem;color:var(--muted)}
.fresh-blog-title{font-family:'Cormorant Garamond',serif;font-size:1.15rem;color:var(--ink);line-height:1.4;font-weight:600;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.fresh-blog-excerpt{font-size:.78rem;color:var(--muted);line-height:1.6;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;max-height:3.8em}
.fresh-blog-footer{display:flex;align-items:center;justify-content:space-between;padding-top:.75rem;border-top:1px solid var(--line);margin-top:auto}
.fresh-blog-author{display:flex;align-items:center;gap:.4rem;font-size:.68rem;color:var(--muted)}
.fresh-blog-read{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}

@media(max-width:900px){.fresh-blog-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.fresh-blog-grid{grid-template-columns:1fr}}

/* ── BIZTOSÍTÁS FELÜLVIZSGÁLAT ──────────────────────────────── */
.biz-review-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start}
.biz-review-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.5rem 0}
.biz-stat{text-align:center;padding:1rem;background:var(--bg);border:1px solid var(--line)}
.biz-stat-num{font-family:'Cormorant Garamond',serif;font-size:1.8rem;font-weight:300;color:var(--gold)}
.biz-stat-label{font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:.2rem}
.biz-review-types{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.biz-type-chip{display:inline-flex;align-items:center;gap:.35rem;padding:.35rem .85rem;border:1px solid var(--line);font-size:.72rem;color:var(--muted);text-decoration:none;transition:all .2s;border-radius:2px}
.biz-type-chip:hover{border-color:var(--gold);color:var(--gold)}
.biz-review-card{background:var(--bg);border:1px solid var(--line);padding:2rem}
.biz-review-card-title{font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--ink);margin-bottom:1.5rem;padding-bottom:.75rem;border-bottom:1px solid var(--line)}
.biz-review-form{display:flex;flex-direction:column;gap:1rem}
.biz-field{display:flex;flex-direction:column;gap:.3rem}
.biz-field-row{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.biz-field label{font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.biz-input{width:100%;padding:.75rem 1rem;border:1px solid var(--line);font-family:Outfit,sans-serif;font-size:.88rem;color:var(--ink);background:var(--white);outline:none;transition:border-color .2s;box-sizing:border-box;border-radius:2px}
.biz-input:focus{border-color:var(--gold)}
.biz-input-wrap{position:relative}
.biz-input-wrap .biz-input{padding-right:3rem}
.biz-unit{position:absolute;right:.75rem;top:50%;transform:translateY(-50%);font-size:.65rem;color:var(--muted);pointer-events:none}
.biz-chips-select{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.2rem}
.biz-chip{display:inline-flex;align-items:center;gap:.3rem;padding:.35rem .75rem;border:1px solid var(--line);font-size:.72rem;color:var(--muted);cursor:pointer;transition:all .2s;border-radius:2px;background:var(--white)}
input[type="radio"]:checked + .biz-chip{border-color:var(--gold);background:rgba(168,118,42,.08);color:var(--gold)}
.biz-chip:hover{border-color:var(--gold);color:var(--gold)}

@media(max-width:900px){
  .biz-review-grid{grid-template-columns:1fr;gap:2rem}
  .biz-field-row{grid-template-columns:1fr}
}

/* ── SECTION CONTAINER + MOBIL JAVÍTÁSOK ───────────────────── */
.section-container{max-width:1100px;margin:0 auto;padding:3rem 2rem}
@media(max-width:768px){
  .section-container{padding:2rem 1rem}
  .elomino-grid{grid-template-columns:1fr!important;gap:1.5rem!important}
  .biz-review-grid{grid-template-columns:1fr!important;gap:1.5rem!important}
  .miert-grid{grid-template-columns:1fr!important}
  .fresh-blog-grid{grid-template-columns:1fr!important}
  .vs-table-wrap{padding:1rem}
  .vs-table-header,.vs-row{grid-template-columns:1fr 1fr!important}
  .vs-col-label{display:none!important}
  .elomino-card,.biz-review-card{padding:1.25rem}
  .biz-field-row{grid-template-columns:1fr!important}
  .hero-trust-row{gap:.5rem}
  .hero-trust-item{font-size:.65rem}
  .biz-stat-num{font-size:1.4rem}
  .elomino-section,.biz-review-section,.miert-section{padding:2rem 0!important}
}
@media(max-width:480px){
  .section-container{padding:1.5rem .75rem}
  .vs-table-header,.vs-row{grid-template-columns:1fr!important}
  .vs-col-bank{display:none!important}
  .biz-review-stats{grid-template-columns:repeat(3,1fr);gap:.5rem}
  .biz-stat{padding:.5rem}
}

/* ── BLOG SIDEBAR ───────────────────────────────────────────── */
.blog-sidebar{position:sticky;top:90px;display:flex;flex-direction:column;gap:1.25rem}
.sidebar-widget{background:var(--white);border:1px solid var(--line);padding:1.25rem}
.sidebar-widget__title{font-size:.62rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:.85rem;padding-bottom:.5rem;border-bottom:1px solid var(--line)}
.sidebar-cat{display:flex;padding:.4rem 0;font-size:.82rem;color:var(--ink2);border-bottom:1px solid var(--line);text-decoration:none;transition:color .2s}
.sidebar-cat:last-child{border-bottom:none}
.sidebar-cat:hover,.sidebar-cat.active{color:var(--gold)}
.sidebar-widget--cta{background:var(--dark);border-color:rgba(168,118,42,.2)}
.sidebar-cta-btn{display:block;text-align:center;padding:.65rem 1rem;background:var(--gold);color:#fff;font-size:.75rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;margin-bottom:.5rem;transition:background .2s}
.sidebar-cta-btn:hover{background:var(--gold2,#96691f)}
.sidebar-cta-btn--outline{background:transparent;border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.6)}
.sidebar-cta-btn--outline:hover{border-color:var(--gold);color:var(--gold);background:transparent}
.sidebar-related{display:block;padding:.6rem 0;border-bottom:1px solid var(--line);text-decoration:none}
.sidebar-related:last-child{border-bottom:none}
.sidebar-related__tag{display:block;font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.2rem}
.sidebar-related__title{font-size:.8rem;color:var(--ink2);line-height:1.4}
.sidebar-related:hover .sidebar-related__title{color:var(--gold)}
@media(max-width:900px){.blog-sidebar{position:static}}


  .partners-track-wrap{overflow:hidden}
  table{display:block;overflow-x:auto;max-width:100%;-webkit-overflow-scrolling:touch}
  .chat-window{left:1rem;right:1rem;width:auto;max-width:none}
  .whatsapp-btn{bottom:1rem;right:1rem;width:48px;height:48px}
  .chat-btn{right:1rem;bottom:5rem}
  .chat-greet-bubble{right:1rem;max-width:calc(100vw - 2rem)}
  .hero-actions{gap:.75rem}
  .contact-form-inner{padding:1.5rem 1rem}
  .ingatlan-cross{padding:3rem 1rem}
}
/* ── Mobilos hero trust bar ─────────────────────────────────── */
.hero-mobile-trust{display:none!important;align-items:center;gap:.5rem;flex-wrap:wrap;margin-top:1.25rem;padding:.75rem 1rem;background:rgba(168,118,42,.08);border:1px solid rgba(168,118,42,.15);border-radius:2px}
.hmt-item{font-size:.72rem;color:rgba(249,246,240,.7)}
.hmt-item span{color:rgba(249,246,240,.9);font-weight:500}
.hmt-sep{color:rgba(168,118,42,.4);font-size:.65rem}
@media(max-width:768px){
  .hero-mobile-trust{display:flex}
}

/* ── Font display swap — gyorsabb szöveg megjelenés ─────────── */
@font-face{font-display:swap}

/* ═══════════════════════════════════════════════════════════════
   MOBILOS DIZÁJN — teljes újraírás
   ═══════════════════════════════════════════════════════════════ */

@media(max-width:768px){

  /* ── ÁLTALÁNOS ─────────────────────────────────────────────── */
  html,body{overflow-x:hidden;max-width:100vw}
  .section{padding:3rem 1.25rem!important}
  h2,.sec-title{font-size:1.75rem!important;line-height:1.2!important}
  p{font-size:.9rem!important}

  /* ── NAV ───────────────────────────────────────────────────── */
  nav{padding:.85rem 1.25rem!important}
  .nav-brand-name{font-size:1rem!important}
  .nav-brand-sub{display:none}

  /* ── HERO ──────────────────────────────────────────────────── */
  .hero{
    grid-template-columns:1fr!important;
    padding:5.5rem 1.25rem 3rem!important;
    min-height:auto!important;
    text-align:center!important;
  }
  .hero-right{display:none!important}
  .hero-left{display:flex;flex-direction:column;align-items:center}
  .hero-badge{margin:0 auto 1rem}
  .hero-title{
    font-size:clamp(2rem,8vw,2.75rem)!important;
    text-align:center!important;
    margin-bottom:.75rem!important;
  }
  .hero-desc{
    font-size:.92rem!important;
    text-align:center!important;
    max-width:100%!important;
    margin-bottom:1.25rem!important;
  }
  .hero-trust-row{justify-content:center!important;gap:.5rem!important}
  .hero-trust-item{font-size:.68rem!important}
  .hero-actions{
    flex-direction:column!important;
    width:100%!important;
    gap:.65rem!important;
    align-items:stretch!important;
  }
  .btn-gold,.btn-outline{
    width:100%!important;
    text-align:center!important;
    justify-content:center!important;
    padding:.9rem 1.5rem!important;
    font-size:.72rem!important;
  }
  .hero-mobile-trust{
    display:flex!important;
    justify-content:center!important;
    flex-wrap:wrap!important;
    gap:.4rem!important;
  }

  /* ── STATS BAR ─────────────────────────────────────────────── */
  .stats-bar{
    grid-template-columns:repeat(2,1fr)!important;
    gap:0!important;
  }
  .stat-item{padding:1.25rem .75rem!important}
  .stat-num{font-size:1.75rem!important}
  .stat-label{font-size:.55rem!important}

  /* ── MIÉRT ÉN SZEKCIÓ ──────────────────────────────────────── */
  .miert-en-grid{grid-template-columns:1fr!important;gap:1.25rem!important}

  /* ── KALKULÁTOR ────────────────────────────────────────────── */
  .elomino-grid{grid-template-columns:1fr!important;gap:1.5rem!important}
  .elomino-section{padding:3rem 1.25rem!important}
  .elomino-section .sec-title{text-align:center!important}
  .elomino-card{padding:1.5rem 1.25rem!important}
  .elomino-features{display:none!important}

  /* ── RÓLAM ─────────────────────────────────────────────────── */
  .about-grid{grid-template-columns:1fr!important;gap:1.5rem!important}
  .about-image{max-height:280px!important;overflow:hidden!important}
  .about-image img{width:100%!important;height:280px!important;object-fit:cover!important;object-position:top!important}
  .about-tags{flex-wrap:wrap!important}

  /* ── HOGYAN DOLGOZOM ───────────────────────────────────────── */
  .process-steps{
    grid-template-columns:1fr!important;
    gap:1rem!important;
  }
  .process-step{
    display:flex!important;
    flex-direction:column!important;
    align-items:center!important;
    text-align:center!important;
    padding:1.25rem 1rem!important;
    background:#f9f6f0!important;
    border:1px solid rgba(168,118,42,.12)!important;
    gap:.6rem!important;
  }
  .step-num{
    width:40px!important;
    height:40px!important;
    font-size:1.1rem!important;
    flex-shrink:0!important;
  }
  .process-step h3{font-size:.95rem!important;margin-bottom:.25rem!important}
  .process-step p{font-size:.82rem!important;margin:0!important}
  .process-steps::before{display:none!important}

  /* ── PÉNZÜGYI MEGOLDÁSOK ───────────────────────────────────── */
  .services-grid{grid-template-columns:1fr!important;gap:1rem!important}
  .service-card{
    padding:1.25rem!important;
    display:grid!important;
    grid-template-columns:44px 1fr!important;
    gap:.75rem!important;
    align-items:start!important;
  }
  .service-icon{font-size:1.5rem!important;grid-row:1/3!important}
  .service-card h3{font-size:.95rem!important;margin-bottom:.2rem!important}
  .service-card p{font-size:.8rem!important;margin:0!important}

  /* ── BANKMONITOR KALKULÁTOROK ──────────────────────────────── */
  .calc-grid{grid-template-columns:repeat(2,1fr)!important;gap:.65rem!important}
  .calc-item{padding:1rem .75rem!important;text-align:center!important}
  .calc-icon{font-size:1.4rem!important;margin-bottom:.35rem!important}
  .calc-item h3{font-size:.8rem!important}
  .calc-item p{font-size:.72rem!important;display:none!important}

  /* ── BLOG / TUDÁSTÁR ───────────────────────────────────────── */
  .fresh-blog-grid{grid-template-columns:1fr!important}
  .blog-track{gap:1rem!important;animation:none!important;width:100%!important;flex-wrap:wrap!important}
  .blog-track .blog-card{width:100%!important;min-width:0!important}
  .blog-track-wrap{mask-image:none!important;overflow:visible!important}
  .blog-card{width:100%!important;min-width:0!important}

  /* ── VÉLEMÉNYEK ────────────────────────────────────────────── */
  .testimonials-grid{grid-template-columns:1fr!important;gap:1rem!important}
  .testimonial-card{padding:1.25rem!important}
  .google-summary{padding:1.25rem!important}
  .reviews-header{flex-direction:column!important;gap:1rem!important}

  /* ── GYIK ──────────────────────────────────────────────────── */
  .faq-grid{grid-template-columns:1fr!important;gap:.5rem!important}
  .faq-question{font-size:.92rem!important;padding:1rem!important}
  .faq-answer{padding:0 1rem!important;font-size:.85rem!important}

  /* ── KAPCSOLAT ─────────────────────────────────────────────── */
  .contact-grid{grid-template-columns:1fr!important;gap:2rem!important}
  .contact-ways{gap:.65rem!important}
  .contact-way{padding:.85rem 1rem!important;font-size:.85rem!important}
  .contact-form-inner{padding:1.5rem 1.25rem!important}
  .form-row{grid-template-columns:1fr!important;gap:.65rem!important}
  .form-tabs{flex-wrap:wrap!important}
  .form-tab{font-size:.65rem!important;padding:.45rem .75rem!important}

  /* ── INGATLAN SZEKCIÓ ──────────────────────────────────────── */
  .ingatlan-cross-grid{grid-template-columns:1fr!important;gap:1.5rem!important}
  .ingatlan-cross-stats{grid-template-columns:repeat(2,1fr)!important;gap:.75rem!important}

  /* ── LÁBLÉC ────────────────────────────────────────────────── */
  footer{
    flex-direction:column!important;
    padding:2rem 1.25rem!important;
    gap:1.25rem!important;
    align-items:flex-start!important;
  }
  .footer-links{flex-wrap:wrap!important;gap:.5rem .85rem!important}
  .footer-links li{font-size:.72rem!important}
  .footer-bottom{flex-direction:column!important;gap:.35rem!important;text-align:center!important}

  /* ── CHAT ──────────────────────────────────────────────────── */
  .chat-window{
    left:.75rem!important;right:.75rem!important;
    bottom:7rem!important;width:auto!important;
    max-width:none!important;
  }
  .whatsapp-btn{bottom:.85rem!important;right:.85rem!important;width:46px!important;height:46px!important}
  .chat-btn{right:.85rem!important;bottom:4.5rem!important;width:50px!important;height:50px!important}

  /* ── PARTNEREK ─────────────────────────────────────────────── */
  .partners-section{padding:1.5rem 1.25rem!important}
  .partner-logo{height:28px!important;opacity:.55!important}
}

/* ═══ 480PX — KIS TELEFON ════════════════════════════════════════ */
@media(max-width:480px){
  .section{padding:2.5rem 1rem!important}
  .hero{padding:5rem 1rem 2.5rem!important}
  .hero-title{font-size:1.9rem!important}
  .stats-bar{grid-template-columns:1fr 1fr!important}
  .calc-grid{grid-template-columns:1fr 1fr!important}
  .process-step{grid-template-columns:40px 1fr!important}
  .service-card{grid-template-columns:1fr!important}
  .service-icon{grid-row:auto!important;font-size:1.75rem!important;margin-bottom:.5rem!important}
  .form-tabs{flex-direction:column!important}
  .form-tab{border-radius:2px!important;text-align:center!important}
  .hero-mobile-trust .hmt-sep{display:none!important}
  h2,.sec-title{font-size:1.55rem!important}
}