/* ═══════════════════════════════════════════════════════════
   ITALIANO INVESTIMENTI — ARCHITECTURAL REDESIGN
   Logo-Harmonized Color System + Bold Asymmetric Layouts
   Cormorant Garamond + DM Sans
   Navy · Gold · Green · Red (Logo Colors)
   ─────────────────────────────────────────────────────────
   Distinctive asymmetry inspired by Italian architecture.
   Unconventional layouts that break corporate templates.
═══════════════════════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,600;0,700;1,300;1,400&family=DM+Sans:ital,opsz,wght@0,9..21,300;0,9..21,400;0,9..21,500;0,9..21,600;0,9..21,700;1,9..21,400&family=IM+Fell+Great+Primer:ital@0;1&display=swap');

:root {
  /* Palette — Logo Harmony */
  --navy:       #1a2840;
  --navy-2:     #213450;
  --navy-3:     #0f1a2e;
  --gold:       #c9a876;
  --gold-lt:    #dbb896;
  --gold-pale:  rgba(201,168,118,.1);
  --gold-bdr:   rgba(201,168,118,.22);
  --verde-it:   #1d7a4e;
  --rosso-it:   #c1311f;
  
  --cream:      #faf8f5;
  --cream-2:    #f3ede4;
  --cream-3:    #ebe4d9;
  --carta:      #fdfcf9;
  --bianco:     #ffffff;
  --grafite:    #1f1d1a;
  --taupe:      #8a7f74;
  --taupe-lt:   #a89e92;
  --bordo:      rgba(31,29,26,.08);
  --bordo-dk:   rgba(31,29,26,.12);

  /* Typography */
  --ff-display: 'Cormorant Garamond', 'IM Fell Great Primer', serif;
  --ff-body:    'DM Sans', 'Helvetica Neue', sans-serif;

  /* Geometry */
  --r:   3px;
  --r2:  8px;
  --max: 1200px;
  --max-sm: 800px;

  /* Transitions */
  --ease: cubic-bezier(.25,.46,.45,.94);
  --ease-out: cubic-bezier(.16,1,.3,1);
}

/* ── Reset ── */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--ff-body);
  color: var(--grafite);
  background: var(--carta);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color .2s; }
ul { list-style: none; }

/* ── Layout ── */
.wrap     { max-width: var(--max);    margin: 0 auto; padding: 0 36px; }
.wrap-sm  { max-width: var(--max-sm); margin: 0 auto; padding: 0 36px; }

/* ═══════════════════════════════════════════════════════════
   TOPBAR — Architectural stripe
═══════════════════════════════════════════════════════════ */
.topbar {
  background: linear-gradient(90deg, var(--verde-it) 0%, var(--navy) 50%, var(--rosso-it) 100%);
  color: rgba(255,255,255,.55);
  font-family: var(--ff-body);
  font-size: .67rem;
  letter-spacing: .06em;
  padding: .7rem 0;
  border-bottom: 3px solid var(--gold);
}
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: .75rem; flex-wrap: wrap; }
.topbar a { color: rgba(255,255,255,.7); transition: color .25s; }
.topbar a:hover { color: var(--gold); }
.topbar-left { display: flex; align-items: center; gap: .5rem; }
.topbar-right { display: flex; gap: 1.75rem; align-items: center; }
.topbar-right span { display: flex; align-items: center; gap: .4rem; }
.flag-mini { display: inline-flex; gap: 2px; align-items: center; }
.flag-mini i { display: inline-block; width: 4px; height: 11px; border-radius: .5px; }

/* ═══════════════════════════════════════════════════════════
   HEADER — Split asymmetric design
═══════════════════════════════════════════════════════════ */
.header {
  background: var(--carta);
  position: sticky; top: 0; z-index: 900;
  border-bottom: 1px solid var(--bordo);
  box-shadow: 0 8px 32px rgba(26,40,64,.08);
}
.header-inner {
  display: flex; align-items: center;
  justify-content: space-between;
  height: 76px; gap: 3rem;
}
.logo img { height: 54px; width: auto; }
.logo { width: 115px; flex-shrink: 0; }

/* Nav — Unconventional spacing */
.nav { display: flex; align-items: center; gap: 0.2rem; }
.nav a {
  font-family: var(--ff-body);
  font-size: .73rem; font-weight: 500;
  letter-spacing: .05em;
  color: var(--taupe);
  padding: .65rem 1.3rem;
  transition: all .25s;
  position: relative;
  white-space: nowrap;
  border-radius: var(--r2);
}
.nav a:hover { color: var(--navy); background: rgba(201,168,118,.08); }
.nav a.active { color: var(--gold); font-weight: 600; background: rgba(201,168,118,.12); }
.nav-dd { position: relative; }
.nav-dd > a::before { content: ''; }
.dd-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--bianco);
  border: 1px solid var(--bordo); border-top: 3px solid var(--gold);
  min-width: 200px; padding: .6rem 0;
  box-shadow: 0 12px 48px rgba(26,40,64,.15);
  opacity: 0; pointer-events: none;
  transform: translateY(6px);
  transition: all .22s var(--ease);
  z-index: 200; border-radius: 0 0 var(--r2) var(--r2);
}
.nav-dd:hover .dd-menu { opacity: 1; pointer-events: all; transform: translateY(0); }
.dd-menu a {
  display: block; padding: .6rem 1.2rem;
  font-size: .73rem; font-weight: 400;
  color: var(--taupe); letter-spacing: .02em;
}
.dd-menu a:hover { color: var(--navy); background: var(--cream-2); padding-left: 1.5rem; }
.dd-menu a::after, .dd-menu a::before { display: none !important; }
.header-actions { display: flex; align-items: center; gap: .6rem; }

/* ═══════════════════════════════════════════════════════════
   BUTTONS — Refined interactions
═══════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--ff-body); font-size: .74rem; font-weight: 600;
  letter-spacing: .05em;
  cursor: pointer; border: none;
  transition: all .25s var(--ease);
  white-space: nowrap; border-radius: var(--r2);
  text-transform: uppercase;
}
.btn-navy  { background: var(--navy); color: #fff; padding: .7rem 1.6rem; box-shadow: 0 4px 16px rgba(26,40,64,.15); }
.btn-navy:hover { background: var(--navy-2); box-shadow: 0 8px 28px rgba(26,40,64,.25); transform: translateY(-2px); }
.btn-champ { background: var(--gold); color: var(--navy); padding: .7rem 1.6rem; font-weight: 700; box-shadow: 0 4px 16px rgba(201,168,118,.2); }
.btn-champ:hover { background: var(--gold-lt); box-shadow: 0 8px 28px rgba(201,168,118,.3); transform: translateY(-2px); }
.btn-ol    { background: transparent; border: 1.5px solid var(--navy); color: var(--navy); padding: .65rem 1.5rem; }
.btn-ol:hover { background: var(--navy); color: #fff; }
.btn-ol-lt { background: transparent; border: 1.5px solid rgba(255,255,255,.4); color: rgba(255,255,255,.9); padding: .65rem 1.5rem; }
.btn-ol-lt:hover { border-color: var(--gold-lt); color: var(--gold-lt); }
.btn-lg { padding: .85rem 2.2rem; font-size: .8rem; }
.btn-sm { padding: .4rem .9rem; font-size: .68rem; }
.btn-full { width: 100%; justify-content: center; }

/* Mobile */
.mob-toggle { display: none; background: none; border: none; cursor: pointer; color: var(--navy); font-size: 1.3rem; padding: .3rem; }
.mob-nav {
  display: none; position: fixed; inset: 80px 0 0 0;
  z-index: 850; background: var(--carta);
  flex-direction: column;
  border-top: 3px solid var(--gold);
  overflow-y: auto;
}
.mob-nav.show { display: flex; }
.mob-nav > a {
  display: block; padding: 1.1rem 1.5rem;
  font-size: .8rem; font-weight: 500;
  color: var(--taupe); border-bottom: 1px solid var(--bordo);
}
.mob-nav > a:hover { color: var(--navy); background: var(--cream-2); }
.mob-foot { background: linear-gradient(90deg, var(--verde-it) 0%, var(--navy) 50%, var(--rosso-it) 100%); padding: 1.5rem 1.5rem; margin-top: auto; }
.mob-foot-label { font-size: .62rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.35); margin-bottom: .7rem; }
.mob-foot a { display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.65)!important; font-size: .78rem; padding: .5rem 0!important; border-bottom: 1px solid rgba(255,255,255,.08)!important; }
.mob-foot a:last-child { border: none!important; }
.mob-foot a:hover { color: var(--gold-lt)!important; }

/* ═══════════════════════════════════════════════════════════
   COMPLIANCE — Gold accent strip
═══════════════════════════════════════════════════════════ */
.compliance {
  background: linear-gradient(90deg, var(--cream-3) 0%, var(--cream-2) 100%);
  border-bottom: 1px solid var(--bordo);
  border-top: 3px solid var(--gold);
  padding: .9rem 0;
}
.compliance-inner { display: flex; align-items: flex-start; gap: .75rem; }
.compliance-tag {
  font-family: var(--ff-body); font-size: .58rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
  background: var(--navy); color: var(--gold);
  padding: .2rem .55rem; border-radius: 1px; flex-shrink: 0; margin-top: 2px;
}
.compliance p { font-size: .7rem; color: var(--taupe); line-height: 1.6; }
.compliance strong { color: var(--grafite); font-weight: 600; }

/* ═══════════════════════════════════════════════════════════
   HERO — Bold Asymmetric Architectural Design
═══════════════════════════════════════════════════════════ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 35%, var(--navy-3) 100%);
  position: relative; overflow: hidden;
  min-height: 100vh;
  display: grid;
  grid-template-rows: auto 1fr auto;
  padding-top: 60px;
}
/* Architectural texture */
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: 
    linear-gradient(45deg, transparent 48%, rgba(201,168,118,.05) 49%, rgba(201,168,118,.05) 51%, transparent 52%),
    radial-gradient(ellipse at 15% 30%, rgba(29,122,78,.08) 0%, transparent 45%),
    radial-gradient(ellipse at 85% 70%, rgba(193,49,31,.06) 0%, transparent 50%);
  pointer-events: none; z-index: 0;
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; 
  grid-template-columns: 1.2fr 1fr;
  gap: 6rem; 
  align-items: stretch;
  padding: 80px 0 60px;
  margin-bottom: 3rem;
}
/* Large decorative chapter number */
.hero-chapter {
  font-family: 'IM Fell Great Primer', serif;
  font-size: clamp(12rem, 22vw, 18rem);
  font-weight: 400;
  color: rgba(201,168,118,.06);
  position: absolute; top: -40px; right: -80px;
  line-height: 1; pointer-events: none; z-index: 1;
  font-style: italic;
  transform: rotate(15deg);
}
.hero-eyebrow {
  display: flex; align-items: center; gap: .75rem;
  font-family: var(--ff-body); font-size: .62rem; font-weight: 700;
  letter-spacing: .25em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 2rem;
}
.hero-eyebrow::before { content: ''; display: block; width: 40px; height: 2px; background: var(--gold); }
.hero h1 {
  font-family: var(--ff-display);
  font-size: clamp(2.8rem, 6.5vw, 5.2rem);
  font-weight: 300;
  color: var(--cream);
  line-height: 1.05; letter-spacing: -.02em;
  margin-bottom: 1.8rem;
}
.hero h1 strong {
  font-weight: 600; color: #fff;
  display: block;
}
.hero h1 em {
  font-style: italic; font-weight: 300;
  color: var(--gold);
}
.hero-sub {
  font-family: var(--ff-body); font-weight: 300;
  font-size: 1.02rem; color: rgba(250,248,245,.58);
  line-height: 1.92; max-width: 480px; margin-bottom: 2.8rem;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 4rem; }
.hero-kpi { 
  display: grid; 
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem; 
  padding-top: 2.5rem; 
  border-top: 1px solid rgba(201,168,118,.15); 
}
.kpi-num {
  font-family: var(--ff-display);
  font-size: 2.2rem; font-weight: 600; color: var(--gold);
  line-height: 1;
}
.kpi-label {
  font-family: var(--ff-body); font-size: .58rem; font-weight: 600;
  letter-spacing: .15em; text-transform: uppercase;
  color: rgba(255,255,255,.32); margin-top: .5rem;
}

/* Hero right: asymmetric calculator placement */
.hero-calc {
  background: var(--carta); 
  border-radius: var(--r2);
  padding: 2.4rem; 
  box-shadow: 0 32px 72px rgba(0,0,0,.3);
  transform: translateY(40px);
  border-left: 6px solid var(--gold);
  position: relative;
}
.calc-hd {
  font-family: var(--ff-display); font-size: 1.15rem; font-weight: 600;
  color: var(--navy); margin-bottom: 1.8rem;
  padding-bottom: 1rem; 
  border-bottom: 2px solid var(--gold);
  display: flex; align-items: center; gap: .65rem;
}
.calc-hd::before { display: none; }
.calc-field { margin-bottom: 1.4rem; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--ff-body); font-size: .63rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase; color: var(--taupe);
  margin-bottom: .6rem;
}
.calc-val-lbl { font-family: var(--ff-display); font-size: 1rem; font-weight: 600; color: var(--gold); }
input[type=range] { width: 100%; accent-color: var(--gold); height: 3px; cursor: pointer; }
.calc-result {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); 
  border-radius: var(--r);
  padding: 1.4rem; margin-top: 1.2rem;
}
.calc-row-r {
  display: flex; justify-content: space-between; align-items: center;
  padding: .42rem 0; font-size: .8rem;
  color: rgba(255,255,255,.52);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.calc-row-r:last-child { border-bottom: none; }
.calc-row-r .lbl { font-family: var(--ff-body); font-size: .63rem; letter-spacing: .05em; }
.calc-row-r .val { font-family: var(--ff-display); font-weight: 600; font-size: .98rem; color: var(--cream); }
.calc-row-r.grand { border-top: 1px solid rgba(255,255,255,.12); margin-top: .6rem; padding-top: .8rem; }
.calc-row-r.grand .val { color: var(--gold); font-size: 1.15rem; }
/* Hero footer band — diagonal stripe */
.hero-band {
  position: relative; z-index: 2;
  background: linear-gradient(90deg, rgba(29,122,78,.08) 0%, transparent 40%, rgba(193,49,31,.06) 100%);
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1rem 0;
}
.hero-band-text { font-size: .68rem; color: rgba(255,255,255,.48); line-height: 1.65; }
.hero-band-text strong { color: var(--gold); }

/* ═══════════════════════════════════════════════════════════
   SECTIONS
═══════════════════════════════════════════════════════════ */
.section    { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.s-lin    { background: linear-gradient(180deg, var(--cream-2) 0%, var(--cream) 100%); }
.s-carta  { background: var(--carta); }
.s-navy   { background: linear-gradient(135deg, var(--navy-2) 0%, var(--navy-3) 100%); }
.s-bianco { background: var(--bianco); }

.eyebrow {
  display: flex; align-items: center; gap: .75rem;
  font-family: var(--ff-body); font-size: .62rem; font-weight: 700;
  letter-spacing: .2em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1rem;
}
.eyebrow::before { content: ''; display: block; width: 24px; height: 2px; background: var(--gold); }
h2.htitle {
  font-family: var(--ff-display);
  font-size: clamp(2rem, 3.8vw, 2.95rem);
  font-weight: 300; color: var(--navy);
  line-height: 1.1; letter-spacing: -.015em;
}
h2.htitle strong { font-weight: 600; }
h2.htitle em { font-style: italic; color: var(--gold); font-weight: 300; }
.s-navy h2.htitle, .s-navy h2.htitle strong { color: var(--cream); }
.s-navy h2.htitle em { color: var(--gold-lt); }
.hsub {
  font-family: var(--ff-body); font-size: .93rem; font-weight: 400;
  color: var(--taupe); line-height: 1.85; margin-top: .9rem; max-width: 520px;
}
.s-navy .hsub { color: rgba(250,248,245,.6); }

/* ═══════════════════════════════════════════════════════════
   SERVIZI — Asymmetric Card Grid Layout
═══════════════════════════════════════════════════════════ */
.svc-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2.2rem;
  border-top: none;
}
.svc-row {
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
  padding: 2.2rem;
  border: 1px solid var(--bordo);
  border-left: 5px solid var(--gold);
  background: var(--bianco);
  transition: all .28s var(--ease);
  cursor: pointer;
  border-radius: var(--r2);
}
.svc-row:hover { 
  transform: translateY(-6px);
  box-shadow: 0 16px 48px rgba(26,40,64,.12);
  border-left-color: var(--navy);
}
.svc-n {
  font-family: var(--ff-display); font-size: 2.8rem; font-weight: 300;
  color: var(--gold); line-height: 1; 
  font-style: italic;
}
.svc-nome { font-family: var(--ff-display); font-size: 1.25rem; font-weight: 500; color: var(--navy); line-height: 1.2; }
.svc-desc { font-family: var(--ff-body); font-size: .82rem; color: var(--taupe); line-height: 1.75; }
.svc-cta {
  font-family: var(--ff-body); font-size: .65rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase; color: var(--gold);
  flex-shrink: 0; transition: transform .25s;
  margin-top: auto;
}
.svc-row:hover .svc-cta { transform: translateX(6px); }

/* ═══════════════════════════════════════════════════════════
   PROCESSO — Diagonal Asymmetric Steps
═══════════════════════════════════════════════════════════ */
.proc-row { 
  display: grid; 
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}
.proc-step {
  padding: 2.4rem;
  border: none;
  background: var(--bianco);
  border-radius: var(--r2);
  position: relative;
  border-top: 5px solid var(--gold);
}
.proc-step:nth-child(2n) { transform: translateY(30px); }
.proc-step:nth-child(3), .proc-step:nth-child(4) { border-top-color: var(--verde-it); }
.proc-step:last-child { border-top-color: var(--rosso-it); }
.proc-step + .proc-step { padding-left: 2rem; border-right: none; }
.proc-n {
  font-family: var(--ff-display); font-size: 4.2rem; font-weight: 400;
  color: rgba(201,168,118,.08); line-height: .8; margin-bottom: 1.2rem;
  font-style: italic;
  position: absolute; top: 1rem; right: 1.5rem;
}
.s-navy .proc-n { color: rgba(255,255,255,.08); }
.s-navy .proc-step { background: rgba(255,255,255,.06); border-color: var(--gold); }
.proc-t { font-family: var(--ff-display); font-size: 1.08rem; font-weight: 500; color: var(--navy); margin-bottom: .6rem; }
.s-navy .proc-t { color: var(--cream); }
.proc-d { font-family: var(--ff-body); font-size: .82rem; color: var(--taupe); line-height: 1.75; }
.s-navy .proc-d { color: rgba(250,248,245,.65); }

/* ═══════════════════════════════════════════════════════════
   ESEMPIO RAPPRESENTATIVO — Luxury card
═══════════════════════════════════════════════════════════ */
.rep-card {
  background: var(--bianco);
  border: 2px solid var(--bordo);
  border-left: 8px solid var(--gold);
  border-radius: var(--r2); overflow: hidden;
  box-shadow: 0 20px 56px rgba(26,40,64,.1);
}
.rep-head-bar {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); 
  padding: 1.3rem 1.8rem;
  display: flex; align-items: center; justify-content: space-between;
}
.rep-head-label {
  font-family: var(--ff-display); font-size: 1.02rem; font-weight: 600;
  color: var(--cream); display: flex; align-items: center; gap: .75rem;
}
.rep-head-label::before { content: ''; display: block; width: 22px; height: 3px; background: var(--gold); }
.rep-art { font-family: var(--ff-body); font-size: .6rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.3); }
.rep-cells { display: grid; grid-template-columns: repeat(3,1fr); }
.rep-cell { padding: 1.2rem 1.5rem; border-right: 1px solid var(--bordo); border-bottom: 1px solid var(--bordo); }
.rep-cell:nth-child(3n) { border-right: none; }
.rep-cell:nth-last-child(-n+3) { border-bottom: none; }
.rep-cell-lbl { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--taupe-lt); margin-bottom: .4rem; }
.rep-cell-val { font-family: var(--ff-display); font-size: 1.25rem; font-weight: 600; color: var(--navy); line-height: 1; }
.rep-cell.hl .rep-cell-val { color: var(--gold); font-size: 1.5rem; }
.rep-foot { background: var(--cream-2); padding: .85rem 1.5rem; font-family: var(--ff-body); font-size: .68rem; color: var(--taupe); line-height: 1.7; font-style: italic; }

/* ═══════════════════════════════════════════════════════════
   STATISTICHE — Asymmetric Grid
═══════════════════════════════════════════════════════════ */
.stat-row {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  border-top: none;
  border-bottom: none;
}
.stat-cell { 
  padding: 2.5rem 2rem; 
  text-align: center; 
  border: 1px solid var(--bordo);
  border-radius: var(--r2);
  background: var(--bianco);
  transition: all .25s;
}
.stat-cell:nth-child(2n) { transform: translateY(20px); }
.stat-cell:hover { background: var(--cream-2); transform: translateY(18px); }
.stat-n {
  font-family: var(--ff-display); font-weight: 600;
  font-size: clamp(2rem,3.5vw,2.7rem); color: var(--navy); line-height: 1;
}
.stat-n-champ { color: var(--gold); }
.stat-l { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--taupe-lt); margin-top: .6rem; }

/* ═══════════════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════════════ */
.faq-item { border-bottom: 1px solid var(--bordo-dk); }
.faq-item:first-child { border-top: 2px solid var(--bordo-dk); }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 1.4rem 0; cursor: pointer; user-select: none; transition: color .22s; }
.faq-q:hover { color: var(--gold); }
.faq-q-t { font-family: var(--ff-display); font-size: .98rem; font-weight: 500; line-height: 1.3; color: var(--navy); }
.faq-item:hover .faq-q-t { color: var(--gold); }
.faq-ico {
  width: 28px; height: 28px; border: 2px solid var(--bordo-dk);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 700; color: var(--gold);
  flex-shrink: 0; margin-left: 1.5rem; transition: all .25s;
}
.faq-item.open .faq-ico { background: var(--gold); color: var(--bianco); border-color: var(--gold); transform: rotate(45deg); }
.faq-a { display: none; padding: 0 0 1.4rem; font-size: .88rem; color: var(--taupe); line-height: 1.8; max-width: 680px; }
.faq-a a { color: var(--gold); text-decoration: underline; }
.faq-item.open .faq-a { display: block; }

/* ═══════════════════════════════════════════════════════════
   FORM
═══════════════════════════════════════════════════════════ */
.form-panel {
  background: var(--bianco);
  border: 2px solid var(--bordo); border-radius: var(--r2);
  overflow: hidden; box-shadow: 0 12px 40px rgba(26,40,64,.08);
  border-left: 6px solid var(--gold);
}
.form-panel-head {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); 
  padding: 1.35rem 2rem;
  display: flex; align-items: center; gap: .8rem;
  font-family: var(--ff-display); font-size: .98rem; font-weight: 600; color: var(--cream);
}
.form-panel-head::before { content: ''; display: block; width: 22px; height: 3px; background: var(--gold); }
.form-body { padding: 2.2rem; }
.fg { display: grid; grid-template-columns: 1fr 1fr; gap: 1.3rem; }
.f  { display: flex; flex-direction: column; gap: .4rem; }
.f.span2 { grid-column: 1/-1; }
.f label { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--taupe); }
.f input, .f select, .f textarea {
  width: 100%; padding: .78rem 1rem;
  border: 2px solid var(--cream-3); border-radius: var(--r2);
  font-family: var(--ff-body); font-size: .9rem; color: var(--grafite);
  background: var(--carta); transition: border-color .22s;
}
.f input:focus, .f select:focus, .f textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px var(--gold-pale); }
.f textarea { resize: vertical; min-height: 110px; }
.f-section { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; color: var(--taupe-lt); padding-bottom: .6rem; border-bottom: 1px solid var(--bordo); margin-bottom: .3rem; }
.check { display: flex; align-items: flex-start; gap: 9px; font-size: .8rem; color: var(--taupe); line-height: 1.65; }
.check input[type=checkbox] { margin-top: 4px; width: 16px; height: 16px; accent-color: var(--gold); flex-shrink: 0; cursor: pointer; }
.check a { color: var(--gold); text-decoration: underline; }
.check a:hover { color: var(--navy); }

/* ═══════════════════════════════════════════════════════════
   PAGE HERO
═══════════════════════════════════════════════════════════ */
.phero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 50%, var(--navy-3) 100%); 
  padding: 100px 0 70px;
  position: relative; overflow: hidden;
}
.phero::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 2px; background: linear-gradient(90deg, var(--gold) 0%, var(--verde-it) 50%, var(--rosso-it) 100%);
}
.phero .wrap { position: relative; z-index: 1; }
.bread {
  display: flex; gap: .4rem; align-items: center;
  font-size: .6rem; letter-spacing: .12em; text-transform: uppercase;
  color: rgba(255,255,255,.3); margin-bottom: 1.35rem; flex-wrap: wrap;
}
.bread a { color: rgba(255,255,255,.35); transition: color .22s; }
.bread a:hover { color: var(--gold-lt); }
.bread .sx { color: rgba(255,255,255,.2); }
.phero h1 {
  font-family: var(--ff-display);
  font-size: clamp(2.2rem,5vw,3.7rem);
  font-weight: 300; color: var(--cream); line-height: 1.08; letter-spacing: -.02em;
}
.phero h1 strong { font-weight: 600; }
.phero .sub { font-family: var(--ff-body); font-weight: 300; color: rgba(250,247,241,.55); font-size: .93rem; margin-top: .9rem; max-width: 520px; }

/* Loan badges */
.loan-pills { display: inline-flex; margin-top: 2.2rem; border: 1.5px solid rgba(255,255,255,.15); border-radius: var(--r2); overflow: hidden; }
.loan-pill { padding: .75rem 1.5rem; border-right: 1.5px solid rgba(255,255,255,.15); font-size: .68rem; color: rgba(255,255,255,.45); }
.loan-pill:last-child { border-right: none; }
.loan-pill strong { display: block; font-family: var(--ff-display); font-size: 1.1rem; font-weight: 600; color: var(--gold-lt); line-height: 1; margin-bottom: .2rem; }

/* ═══════════════════════════════════════════════════════════
   BOXES
═══════════════════════════════════════════════════════════ */
.box-champ { background: var(--gold-pale); border-left: 3px solid var(--gold); padding: 1.1rem 1.3rem; font-size: .81rem; color: var(--navy-3); line-height: 1.75; }
.box-champ strong { color: var(--navy); }
.box-warn  { background: #fef9f1; border-left: 3px solid #d4901a; padding: 1rem 1.2rem; font-size: .8rem; color: #7a4e00; line-height: 1.75; }
.box-navy  { background: rgba(26,40,64,.06); border-left: 3px solid var(--navy); padding: 1rem 1.2rem; font-size: .8rem; color: var(--navy-3); line-height: 1.75; }

/* ═══════════════════════════════════════════════════════════
   CONTATTI
═══════════════════════════════════════════════════════════ */
.cinfo-item { display: flex; gap: 1.3rem; align-items: flex-start; padding: 1.5rem 0; border-bottom: 1px solid var(--bordo-dk); }
.cinfo-item:first-child { border-top: 2px solid var(--bordo-dk); }
.cinfo-icon { width: 46px; height: 46px; background: var(--gold-pale); border: 1.5px solid var(--gold-bdr); border-radius: var(--r2); display: flex; align-items: center; justify-content: center; font-size: 1.15rem; flex-shrink: 0; }
.cinfo-label { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--taupe-lt); margin-bottom: .35rem; }
.cinfo-val { font-family: var(--ff-display); font-size: 1.02rem; font-weight: 500; color: var(--navy); }
.cinfo-val a { color: var(--gold); transition: color .22s; }
.cinfo-val a:hover { color: var(--navy); }
.cinfo-note { font-family: var(--ff-body); font-size: .76rem; color: var(--taupe); margin-top: .25rem; }

/* ═══════════════════════════════════════════════════════════
   COOKIE
═══════════════════════════════════════════════════════════ */
.cookie-bar { position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999; background: linear-gradient(90deg, var(--verde-it) 0%, var(--navy) 50%, var(--rosso-it) 100%); border-top: 3px solid var(--gold); padding: 1.2rem 1.5rem; display: none; }
.cookie-bar.on { display: block; }
.cookie-inner { max-width: var(--max); margin: 0 auto; display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.cookie-txt { flex: 1; font-size: .76rem; color: rgba(255,255,255,.6); line-height: 1.65; min-width: 200px; }
.cookie-txt a { color: var(--gold); text-decoration: underline; }
.cookie-btns { display: flex; gap: .7rem; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════════
   FOOTER — Tri-color architectural design
═══════════════════════════════════════════════════════════ */
.footer { background: linear-gradient(90deg, var(--verde-it) 0%, var(--navy) 35%, var(--navy-2) 65%, var(--rosso-it) 100%); color: rgba(255,255,255,.55); }
.footer-main { 
  padding: 72px 0 56px; 
  display: grid; 
  grid-template-columns: 2fr 1.2fr 1.2fr 1.5fr; 
  gap: 3.5rem; 
  border-bottom: 1px solid rgba(255,255,255,.1); 
}
.footer-logo img { height: auto; width: 115px; margin-bottom: 1.2rem; }
.footer-tagline { font-family: var(--ff-display); font-style: italic; font-size: .88rem; color: rgba(255,255,255,.42); line-height: 1.8; max-width: 240px; margin-bottom: 1.35rem; }
.footer-cinfo { display: flex; flex-direction: column; gap: .5rem; }
.footer-cinfo span { font-size: .78rem; color: rgba(255,255,255,.48); display: flex; align-items: center; gap: .4rem; }
.footer-cinfo a { color: rgba(255,255,255,.52); transition: color .22s; }
.footer-cinfo a:hover { color: var(--gold); }
.fcol-head { font-family: var(--ff-body); font-size: .6rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.28); margin-bottom: 1.3rem; }
.footer-links { display: flex; flex-direction: column; gap: .52rem; }
.footer-links a { font-size: .8rem; color: rgba(255,255,255,.45); transition: all .22s; }
.footer-links a:hover { color: var(--gold); padding-left: 4px; }
.footer-legal-note { font-size: .68rem; line-height: 1.85; color: rgba(255,255,255,.32); }
.footer-bot { padding: 1.4rem 0; display: flex; justify-content: space-between; align-items: center; font-size: .68rem; color: rgba(255,255,255,.28); flex-wrap: wrap; gap: .6rem; }
.footer-bot a { color: rgba(255,255,255,.35); transition: color .22s; }
.footer-bot a:hover { color: var(--gold); }
.footer-flag-row { display: flex; gap: 3px; align-items: center; }
.footer-flag-row span { width: 8px; height: 8px; border-radius: 50%; }

/* ═══════════════════════════════════════════════════════════
   UTILITIES
═══════════════════════════════════════════════════════════ */
.tc { text-align: center; }
.mt1{margin-top:.5rem}.mt2{margin-top:1rem}.mt3{margin-top:1.5rem}.mt4{margin-top:2rem}.mt5{margin-top:2.5rem}
.mb2{margin-bottom:1rem}.mb3{margin-bottom:1.5rem}
.flex{display:flex}.aic{align-items:center}.jcb{justify-content:space-between}.gap2{gap:1rem}
.sep { width: 48px; height: 3px; background: var(--gold); margin: 1.8rem 0; border-radius: 2px; }

/* ── Responsive Layout Utilities ── */
.lay-2       { display:grid; grid-template-columns:1fr 1fr; gap:4rem; }
.lay-asym    { display:grid; grid-template-columns:1fr 2fr; gap:5rem; }
.lay-form-pg { display:grid; grid-template-columns:1fr 360px; gap:3rem; align-items:start; }
.lay-cta     { display:grid; grid-template-columns:1fr auto; gap:3rem; align-items:center; }
.aside-sticky{ position:sticky; top:96px; }

/* ═══════════════════════════════════════════════════════════
   ANIMAZIONI
═══════════════════════════════════════════════════════════ */
@keyframes salita { from { opacity: 0; transform: translateY(28px); } to { opacity: 1; transform: translateY(0); } }
.a1 { animation: salita .75s var(--ease-out) both; }
.a2 { animation: salita .75s .13s var(--ease-out) both; }
.a3 { animation: salita .75s .26s var(--ease-out) both; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════ */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr}
  .hero-calc{transform:none;max-width:500px}
  .footer-main{grid-template-columns:1fr 1fr}
  .proc-row{grid-template-columns:1fr 1fr}
  .proc-step:nth-child(even){border-right:none}
  .proc-step{border-bottom:1px solid var(--bordo);padding-bottom:2rem}
  .rep-cells{grid-template-columns:repeat(2,1fr)}
  .stat-row{grid-template-columns:repeat(2,1fr)}
  .stat-cell:nth-child(2){border-right:none}
  .stat-cell:nth-child(3){border-right:1px solid var(--bordo)}
  .svc-row{grid-template-columns:48px 1fr}
  .svc-desc,.svc-cta{display:none}
}
@media(max-width:768px){
  .wrap,.wrap-sm{padding:0 20px}
  .hero{min-height:unset;padding-top:80px}
  .hero h1{font-size:2.2rem}
  .hero-inner{padding:48px 0 40px}
  .nav,.header-actions .btn-navy{display:none}
  .mob-toggle{display:flex}
  h2.htitle{font-size:2rem}
  .phero h1{font-size:2rem}
  .footer-main{grid-template-columns:1fr;gap:2rem}
  .topbar-right{display:none}
  .fg{grid-template-columns:1fr}
  .proc-row{grid-template-columns:1fr}
  .proc-step{border-right:none}
  .proc-step:nth-child(2n){transform:none}
  .stat-row{grid-template-columns:1fr 1fr}
  .stat-cell:nth-child(2n){transform:none}
  .stat-cell:hover{transform:translateY(-4px)}
  .svc-row{grid-template-columns:40px 1fr;gap:1.2rem}
  .loan-pills{flex-direction:column;display:flex}
  .loan-pill{border-right:none;border-bottom:1px solid rgba(255,255,255,.1)}
  .rep-cells{grid-template-columns:1fr}
  .rep-cell{border-right:none}
  /* Layout utilities collapse */
  .lay-2,.lay-asym,.lay-form-pg,.lay-cta{grid-template-columns:1fr;gap:2rem}
  .aside-sticky{position:static;top:auto}
  /* CTA buttons full width on mobile */
  .lay-cta > div:last-child{flex-shrink:unset}
  .lay-cta > div:last-child > .btn{width:100%;justify-content:center}
  /* Prevent iOS Safari auto-zoom on inputs (requires ≥16px) */
  .f input,.f select,.f textarea{font-size:1rem}
}
@media(max-width:480px){
  .hero h1{font-size:1.9rem}
  .hero-kpi{grid-template-columns:1fr 1fr;gap:1rem}
  .hero-kpi > div:last-child{grid-column:1/-1;text-align:center}
  .form-body{padding:1.25rem}
  .stat-row{grid-template-columns:1fr}
  .stat-cell{border-right:none;border-bottom:1px solid var(--bordo)}
  .lay-2,.lay-asym,.lay-form-pg,.lay-cta{gap:1.5rem}
  .hero-calc{padding:1.5rem}
  .hero-actions{flex-direction:column}
  .hero-actions .btn{width:100%;justify-content:center}
}