/* ============================================
   CDHome - Pénzügyi Tanácsadás oldal
   Prefix: fin-
   ============================================ */

/* ============================================
   1. HERO SZEKCIÓ – háttérképes verzió (egységes stílus)
   ============================================ */
.fin-hero {
    min-height: 680px;
    margin-bottom: 0;
}

.fin-hero .hero-overlay {
    background: linear-gradient(
        to bottom,
        rgba(0, 0, 0, 0.3) 0%,
        rgba(0, 0, 0, 0.45) 60%,
        rgba(5, 2, 2, 0.82) 100%
    );
}

.fin-hero.hero-with-image::after {
    background: linear-gradient(to top, #f5f0eb 0%, rgba(245, 240, 235, 0.55) 40%, transparent 100%) !important;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    mask-image: none !important;
    -webkit-mask-image: none !important;
    height: 110px !important;
}

.fin-hero-accent {
    background: linear-gradient(90deg, #f0d48a, #d4a853);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.fin-hero-btns {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    flex-wrap: wrap;
}

/* Hero entry animations */
.anim-fade-up {
    opacity: 0;
    transform: translateY(30px);
    animation: animFadeUp 0.8s ease-out forwards;
}

.anim-fade-down {
    opacity: 0;
    transform: translateY(-20px);
    animation: animFadeDown 0.8s ease-out forwards;
}

.anim-delay-1 { animation-delay: 0.2s; }
.anim-delay-2 { animation-delay: 0.4s; }

@keyframes animFadeUp {
    to { opacity: 1; transform: translateY(0); }
}

@keyframes animFadeDown {
    to { opacity: 1; transform: translateY(0); }
}

/* ============================================
   Common: Section titles, gradient text, accent line
   ============================================ */
.fin-section-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 0.5rem;
    letter-spacing: -0.3px;
}

.fin-gradient-text {
    background: var(--gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.fin-gradient-text-light {
    background: linear-gradient(135deg, #fff 0%, var(--accent-light) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.fin-accent-line {
    width: 60px;
    height: 4px;
    background: var(--gradient);
    border-radius: 2px;
    margin: 1rem auto 1.5rem;
    transition: width 0.6s ease-out;
}

.fin-accent-line-left {
    width: 60px;
    height: 4px;
    background: var(--gradient);
    border-radius: 2px;
    margin: 0 0 1.5rem;
    transition: width 0.6s ease-out;
}

.fin-section-sub {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 580px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ============================================
   2. MIÉRT ÉRDEMES SZAKÉRTŐVEL?
   ============================================ */
.fin-about {
    padding: 5rem 0;
    background: var(--bg-warm);
    overflow: hidden;
}

.fin-about-label {
    display: inline-block;
    background: rgba(153,0,0,0.08);
    color: var(--primary);
    padding: 0.3rem 1rem;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 1rem;
    border: 1px solid rgba(153,0,0,0.12);
}

.fin-about-text h3 {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 0.5rem;
    letter-spacing: -0.3px;
}

.fin-about-text p {
    font-size: 1.05rem;
    color: var(--text-body);
    line-height: 1.85;
    margin-bottom: 1.2rem;
}

.fin-about-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    aspect-ratio: 4 / 3;
}

.fin-about-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-about-image:hover img {
    transform: scale(1.04);
}

.fin-highlights {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.2rem;
    margin-top: 3rem;
}

.fin-highlight-card {
    background: #fff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    padding: 1.5rem;
    text-align: center;
    position: relative;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-highlight-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient);
    transform: scaleX(0);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-highlight-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 35px rgba(153,0,0,0.08);
    border-color: transparent;
}

.fin-highlight-card:hover::before {
    transform: scaleX(1);
}

.fin-highlight-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: linear-gradient(135deg, rgba(153,0,0,0.08) 0%, rgba(212,168,83,0.08) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    font-size: 1.4rem;
    color: var(--primary);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-highlight-card:hover .fin-highlight-icon {
    background: var(--gradient);
    color: #fff;
    transform: scale(1.1);
    box-shadow: 0 6px 18px rgba(153,0,0,0.2);
}

.fin-highlight-card h5 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 0.3rem;
}

.fin-highlight-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    margin: 0;
    line-height: 1.5;
}

/* ============================================
   3. SZOLGÁLTATÁSAINK
   ============================================ */
.fin-services {
    padding: 5rem 0;
    background: var(--bg-light);
    overflow: hidden;
}

.fin-services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 1rem;
}

.fin-service-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 2rem 1.5rem;
    border: 1px solid var(--border-light);
    text-align: center;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.fin-service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient);
    transform: scaleX(0);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-service-card:hover::before {
    transform: scaleX(1);
}

.fin-service-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 50px rgba(100,0,0,0.12);
    border-color: transparent;
}

.fin-service-icon {
    width: 70px;
    height: 70px;
    border-radius: 50%;
    background: var(--gradient);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin: 0 auto 1.5rem;
    box-shadow: 0 6px 20px rgba(153,0,0,0.2);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-service-card:hover .fin-service-icon {
    transform: scale(1.15) rotate(5deg);
    box-shadow: 0 10px 30px rgba(153,0,0,0.3);
}

.fin-service-card h4 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 0.8rem;
}

.fin-service-card p {
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin: 0;
}

/* ============================================
   4. HITELKALKULÁTOR
   ============================================ */
.fin-calculator {
    padding: 5rem 0;
    background: var(--bg-warm);
    overflow: hidden;
}

.fin-calc-card {
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-light);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.fin-calc-tabs {
    display: flex;
    border-bottom: 1px solid var(--border);
    background: var(--bg-light);
}

.fin-calc-tab {
    flex: 1;
    padding: 1.1rem 1.5rem;
    border: none;
    background: none;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-muted);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    transition: all 0.3s ease;
    position: relative;
}

.fin-calc-tab::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient);
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.fin-calc-tab.active {
    color: var(--primary);
    background: #fff;
}

.fin-calc-tab.active::after {
    transform: scaleX(1);
}

.fin-calc-tab:hover:not(.active) {
    color: var(--text-dark);
    background: rgba(255,255,255,0.5);
}

.fin-calc-panel {
    display: none;
    padding: 2.5rem;
}

.fin-calc-panel.active {
    display: block;
}

.fin-calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}

.fin-calc-field {
    margin-bottom: 1.8rem;
}

.fin-calc-field:last-child {
    margin-bottom: 0;
}

.fin-calc-field label {
    display: block;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 0.6rem;
}

.fin-calc-input-row {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.fin-calc-input-locked {
    justify-content: space-between;
    background: var(--bg-warm);
    border-radius: var(--radius-sm);
    padding: 0.6rem 1rem;
    border: 1px solid var(--border-light);
}

.fin-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--border);
    outline: none;
    flex: 1;
    cursor: pointer;
}

.fin-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(153,0,0,0.3);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.fin-range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 4px 14px rgba(153,0,0,0.4);
}

.fin-range::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(153,0,0,0.3);
}

.fin-calc-value-display {
    display: flex;
    align-items: center;
    gap: 0.3rem;
    flex-shrink: 0;
}

.fin-calc-number {
    width: 140px;
    padding: 0.45rem 0.7rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-dark);
    text-align: right;
    background: #fff;
    transition: border-color 0.3s;
    font-family: 'Poppins', sans-serif;
}

.fin-calc-number:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(153,0,0,0.08);
}

.fin-calc-number-sm {
    width: 65px;
}

.fin-calc-unit {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    white-space: nowrap;
}

.fin-calc-locked-val {
    border: none;
    background: none;
    padding: 0;
    width: auto;
    font-size: 1.1rem;
    color: var(--primary);
}

.fin-calc-lock-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--accent);
    background: rgba(212,168,83,0.1);
    border: 1px solid rgba(212,168,83,0.25);
    padding: 0.25rem 0.7rem;
    border-radius: 20px;
}

.fin-calc-helper {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-top: 0.5rem;
    line-height: 1.5;
}

.fin-calc-helper strong {
    color: var(--text-dark);
}

.fin-child-selector {
    display: flex;
    gap: 0.5rem;
}

.fin-child-btn {
    flex: 1;
    padding: 0.7rem 1rem;
    border: 2px solid var(--border);
    background: #fff;
    border-radius: var(--radius-sm);
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-body);
    cursor: pointer;
    transition: all 0.3s ease;
}

.fin-child-btn:hover {
    border-color: var(--primary-light);
    color: var(--primary);
}

.fin-child-btn.active {
    background: var(--gradient);
    border-color: var(--primary);
    color: #fff;
    box-shadow: 0 4px 15px rgba(153,0,0,0.2);
}

.fin-csok-info-badge {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    margin-top: 1rem;
    padding: 0.9rem 1.2rem;
    background: rgba(212,168,83,0.08);
    border: 1px solid rgba(212,168,83,0.2);
    border-radius: var(--radius-sm);
    font-size: 0.85rem;
    color: var(--text-body);
    line-height: 1.6;
}

.fin-csok-info-badge i {
    color: var(--accent);
    font-size: 1rem;
    margin-top: 0.1rem;
    flex-shrink: 0;
}

.fin-calc-results {
    background: var(--bg-light);
    border-radius: var(--radius);
    padding: 2rem;
    border: 1px solid var(--border-light);
}

.fin-calc-result-main {
    text-align: center;
    padding-bottom: 1.5rem;
    margin-bottom: 1.5rem;
    border-bottom: 1px solid var(--border);
}

.fin-calc-result-label {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-muted);
    margin-bottom: 0.5rem;
}

.fin-calc-result-value {
    display: block;
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.5px;
}

.fin-calc-result-sub {
    display: block;
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 0.5rem;
}

.fin-calc-result-sub strong {
    color: var(--text-dark);
}

.fin-calc-result-details {
    margin-bottom: 1.5rem;
}

.fin-calc-result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.55rem 0;
    border-bottom: 1px solid var(--border-light);
}

.fin-calc-result-row:last-child {
    border-bottom: none;
}

.fin-calc-result-row span {
    font-size: 0.88rem;
    color: var(--text-muted);
}

.fin-calc-result-row strong {
    font-size: 0.92rem;
    color: var(--text-dark);
}

.fin-csok-forgiveness {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.2rem;
    background: rgba(40,167,69,0.06);
    border: 1px solid rgba(40,167,69,0.2);
    border-radius: var(--radius-sm);
    margin-bottom: 1rem;
}

.fin-forgiveness-icon {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: rgba(40,167,69,0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: #28a745;
    flex-shrink: 0;
}

.fin-csok-forgiveness strong {
    display: block;
    font-size: 0.88rem;
    color: #28a745;
    margin-bottom: 0.2rem;
}

.fin-csok-forgiveness span {
    font-size: 0.82rem;
    color: var(--text-body);
    line-height: 1.5;
}

.fin-calc-note {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    padding: 0.9rem 1rem;
    background: #fff;
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--accent);
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 1rem;
}

.fin-calc-note i {
    color: var(--accent);
    margin-top: 0.1rem;
    flex-shrink: 0;
}

.fin-calc-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    width: 100%;
    padding: 0.8rem 1.5rem;
    background: var(--gradient);
    color: #fff;
    border-radius: 50px;
    font-size: 0.95rem;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-calc-cta:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 10px 30px rgba(153,0,0,0.25);
}

/* ============================================
   5. HOGYAN MŰKÖDIK? – Timeline
   ============================================ */
.fin-process {
    padding: 5rem 0;
    background: var(--bg-light);
    overflow: hidden;
}

.fin-timeline {
    position: relative;
    max-width: 700px;
    margin: 0 auto;
    padding: 2rem 0;
}

.fin-timeline-line {
    position: absolute;
    left: 30px;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--border);
    border-radius: 2px;
}

.fin-timeline-fill {
    width: 100%;
    height: 0;
    background: var(--gradient);
    border-radius: 2px;
    transition: height 0.1s linear;
}

.fin-timeline-step {
    position: relative;
    padding-left: 80px;
    padding-bottom: 3rem;
}

.fin-timeline-step:last-child {
    padding-bottom: 0;
}

.fin-timeline-circle {
    position: absolute;
    left: 6px;
    top: 0;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: var(--text-muted);
    z-index: 2;
    transition: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-timeline-step.active .fin-timeline-circle {
    background: var(--gradient);
    border-color: transparent;
    color: #fff;
    box-shadow: 0 6px 20px rgba(153,0,0,0.25);
    transform: scale(1.1);
}

.fin-timeline-circle .fin-step-number {
    position: absolute;
    top: -8px;
    right: -8px;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--accent);
    color: #fff;
    font-size: 0.7rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.fin-timeline-content h5 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 0.4rem;
}

.fin-timeline-content p {
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin: 0;
}

/* ============================================
   6. GYIK – Accordion
   ============================================ */
.fin-faq {
    padding: 5rem 0;
    background: var(--bg-warm);
    overflow: hidden;
}

.fin-faq-list {
    max-width: 750px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
}

.fin-faq-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    transition: all 0.3s ease;
}

.fin-faq-item:hover {
    box-shadow: var(--shadow);
    border-color: rgba(153,0,0,0.15);
}

.fin-faq-item.active {
    border-color: rgba(153,0,0,0.2);
    box-shadow: 0 8px 30px rgba(153,0,0,0.08);
}

.fin-faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1.2rem 1.5rem;
    background: #fff;
    border: none;
    cursor: pointer;
    text-align: left;
    transition: all 0.3s;
}

.fin-faq-item.active .fin-faq-question {
    background: var(--bg-warm);
    color: var(--primary);
}

.fin-faq-question span {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-dark);
}

.fin-faq-question i {
    font-size: 1.2rem;
    color: var(--primary);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    flex-shrink: 0;
}

.fin-faq-item.active .fin-faq-question i {
    transform: rotate(45deg);
}

.fin-faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1), padding 0.4s ease;
    padding: 0 1.5rem;
}

.fin-faq-item.active .fin-faq-answer {
    max-height: 300px;
    padding: 0 1.5rem 1.3rem;
}

.fin-faq-answer p {
    font-size: 0.98rem;
    color: var(--text-body);
    line-height: 1.75;
    margin: 0;
}

/* ============================================
   7. KAPCSOLATFELVÉTELI ŰRLAP – parallax háttérképes
   ============================================ */
.fin-contact {
    position: relative;
    padding: 7rem 0 8rem;
    overflow: hidden;
    background: #1a1a1a;
}

.site-footer {
    margin-top: 0 !important;
    border-top: none !important;
}

.fin-contact-bg {
    position: absolute;
    top: -15%;
    left: 0;
    right: 0;
    bottom: -15%;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    z-index: 0;
    will-change: transform;
}

.fin-contact::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 50px;
    background: linear-gradient(to bottom, var(--bg-warm), transparent);
    z-index: 3;
    pointer-events: none;
}

.fin-contact-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgba(45, 0, 0, 0.65) 0%,
        rgba(30, 0, 0, 0.70) 82%,
        #1a1a1a 100%
    );
    z-index: 1;
}

.fin-contact-info {
    position: relative;
    z-index: 2;
    color: #fff;
}

.fin-contact-info h2 {
    font-size: 2.2rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.fin-highlight-light {
    background: linear-gradient(135deg, #fff 0%, var(--accent-light) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.fin-contact-info > p {
    font-size: 1.05rem;
    opacity: 0.9;
    line-height: 1.7;
    margin-bottom: 2rem;
}

.fin-contact-details {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.fin-contact-detail-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    text-decoration: none;
    color: #fff;
    transition: all 0.3s ease;
    padding: 0.8rem 1rem;
    border-radius: var(--radius-sm);
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
}

a.fin-contact-detail-item:hover {
    background: rgba(255,255,255,0.12);
    transform: translateX(5px);
    color: #fff;
}

.fin-contact-detail-icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: rgba(212,168,83,0.2);
    color: var(--accent-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.fin-contact-detail-item strong {
    display: block;
    font-size: 0.82rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    opacity: 0.7;
    margin-bottom: 0.15rem;
}

.fin-contact-detail-item span {
    font-size: 0.95rem;
    font-weight: 500;
}

.fin-contact-trust {
    display: flex;
    align-items: center;
    gap: 0.7rem;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.55);
    padding: 1rem;
    background: rgba(255,255,255,0.05);
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255,255,255,0.08);
    margin-top: 2rem;
}

.fin-contact-trust i {
    font-size: 1.1rem;
    color: var(--accent);
    flex-shrink: 0;
}

.fin-contact-form-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 20px 60px rgba(0,0,0,0.2);
    position: relative;
    z-index: 2;
}

.fin-contact-form-card .form-label {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 0.4rem;
}

.fin-contact-form-card .form-control,
.fin-contact-form-card .form-select {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.7rem 1rem;
    font-size: 0.95rem;
    color: var(--text-dark);
    transition: all 0.3s ease;
}

.fin-contact-form-card .form-control:focus,
.fin-contact-form-card .form-select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(153,0,0,0.1);
}

.fin-contact-form-card .form-control::placeholder {
    color: var(--text-muted);
    opacity: 0.6;
}

.fin-contact-form-card .input-group-text {
    background: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-muted);
}

.fin-contact-form-card .input-group .form-control {
    border-radius: var(--radius-sm) 0 0 var(--radius-sm);
}

.fin-submit-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    padding: 0.85rem 2rem;
    background: var(--gradient);
    color: #fff;
    border: none;
    border-radius: 50px;
    font-size: 1.05rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    letter-spacing: 0.2px;
    margin-top: 0.5rem;
}

.fin-submit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 30px rgba(153,0,0,0.3);
}

.fin-submit-btn:active {
    transform: translateY(0);
}

.fin-submit-btn.loading {
    pointer-events: none;
    opacity: 0.7;
}

.fin-form-success {
    text-align: center;
    padding: 3rem 2rem;
    color: var(--text-dark);
}

.fin-success-icon {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: rgba(40,167,69,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.fin-success-icon i {
    font-size: 2.5rem;
    color: #28a745;
}

.fin-form-success h4 {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.fin-form-success p {
    font-size: 1rem;
    color: var(--text-muted);
}

/* ============================================
   SCROLL REVEAL
   ============================================ */
.fin-fade-in {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity 0.6s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.fin-fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ============================================
   RESZPONZÍV – TABLET (991px)
   ============================================ */
@media (max-width: 991px) {
    .fin-section-title {
        font-size: 1.8rem;
    }

    .fin-services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .fin-calc-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .fin-calc-panel {
        padding: 2rem;
    }

    .fin-highlights {
        grid-template-columns: repeat(3, 1fr);
    }

    .fin-about-image {
        margin-bottom: 1rem;
    }

    .fin-timeline-line {
        left: 25px;
    }

    .fin-timeline-step {
        padding-left: 70px;
    }

    .fin-timeline-circle {
        left: 1px;
        width: 45px;
        height: 45px;
        font-size: 1rem;
    }
}

/* ============================================
   RESZPONZÍV – MOBIL (768px)
   ============================================ */
@media (max-width: 768px) {
    .fin-hero {
        min-height: 680px;
    }

    .fin-hero-btns {
        flex-direction: column;
        align-items: stretch;
    }

    .fin-hero-btns .btn {
        width: 100%;
        justify-content: center;
    }

    .fin-about,
    .fin-services,
    .fin-calculator,
    .fin-process,
    .fin-faq {
        padding: 3.5rem 0;
    }

    .fin-contact {
        padding: 4rem 0 5rem;
    }

    .fin-section-title {
        font-size: 1.6rem;
    }

    .fin-about-text h3 {
        font-size: 1.5rem;
    }

    .fin-highlights {
        grid-template-columns: 1fr;
    }

    .fin-services-grid {
        grid-template-columns: 1fr 1fr;
    }

    .fin-calc-tabs {
        flex-direction: column;
    }

    .fin-calc-tab {
        padding: 0.9rem;
    }

    .fin-calc-panel {
        padding: 1.5rem;
    }

    .fin-calc-input-row {
        flex-direction: column;
        align-items: stretch;
        gap: 0.6rem;
    }

    .fin-calc-number {
        width: 100%;
        text-align: left;
    }

    .fin-calc-number-sm {
        width: 100%;
    }

    .fin-calc-value-display {
        justify-content: space-between;
    }

    .fin-calc-result-value {
        font-size: 1.8rem;
    }

    .fin-child-selector {
        flex-direction: column;
    }

    .fin-contact-info h2 {
        font-size: 1.8rem;
    }

    .fin-contact-form-card {
        padding: 1.8rem;
    }

    .fin-faq-question {
        font-size: 0.92rem;
        padding: 1rem 1.2rem;
    }
}

/* ============================================
   RESZPONZÍV – KIS MOBIL (575px)
   ============================================ */
@media (max-width: 575px) {
    .fin-hero {
        min-height: 72vh;
        padding: 6rem 0 4rem;
    }

    .fin-hero-btns .btn {
        padding: 0.7rem 1.5rem;
        font-size: 0.95rem;
    }

    .fin-about,
    .fin-services,
    .fin-calculator,
    .fin-process,
    .fin-faq {
        padding: 3rem 0;
    }

    .fin-contact {
        padding: 3rem 0 4rem;
    }

    .fin-section-title {
        font-size: 1.45rem;
    }

    .fin-services-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .fin-service-card {
        padding: 1.8rem 1.3rem;
    }

    .fin-service-icon {
        width: 56px;
        height: 56px;
        font-size: 1.3rem;
    }

    .fin-calc-results {
        padding: 1.5rem;
    }

    .fin-contact-detail-item {
        padding: 0.6rem 0.8rem;
    }

    .fin-contact-form-card {
        padding: 1.5rem;
    }

    .fin-faq-question {
        padding: 1rem 1.2rem;
    }

    .fin-faq-question span {
        font-size: 0.92rem;
    }
}

/* ============================================
   REDUCED MOTION
   ============================================ */
@media (prefers-reduced-motion: reduce) {
    .fin-fade-in {
        opacity: 1;
        transform: none;
        transition: none;
    }

    .anim-fade-up,
    .anim-fade-down {
        opacity: 1;
        transform: none;
        animation: none;
    }

    .fin-timeline-fill {
        transition: none;
    }
}