/* ═══════════════════════════════════════════════════════════════
   MICROCREDITOITALIA.IT — Design System v3 "AURORA"
   Luminoso · Moderno · Amichevole · Scenografico
   Firma: Aurora Tricolore (luce animata verde/blu/rosso)
   Font: Sora (display) · Inter (body) · Space Grotesk (dati)
   ═══════════════════════════════════════════════════════════════ */
:root{
  --bg:#F6F8FD; --bg-2:#FFFFFF; --avorio:#FBFCFF;
  --ink:#0B1B3A; --navy:#0A1F44; --navy-2:#101F3F; --navy-deep:#071433;
  --blu:#2563EB; --blu-soft:#5B8DEF;
  --oro:#C9A227; --oro-2:#E9C766; --oro-scuro:#8a6d10;
  --verde:#00A651; --rosso:#E23B4E;
  --grigio:#4E5A70; --linea:#E3E8F4;
  --fd:'Sora',sans-serif; --fb:'Inter',sans-serif; --fm:'Space Grotesk',monospace;
  --r-lg:24px; --r-md:16px;
  --glow-blu:0 20px 60px -12px rgba(37,99,235,.25);
  --glow-oro:0 18px 50px -10px rgba(201,162,39,.4);
  --shadow-soft:0 8px 30px rgba(11,27,58,.07);
  --shadow-float:0 24px 70px -18px rgba(11,27,58,.22);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--fb);color:var(--ink);background:var(--bg);font-size:16.5px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:inherit}
::selection{background:var(--oro-2);color:var(--navy)}
::-webkit-scrollbar{width:11px}
::-webkit-scrollbar-track{background:var(--bg)}
::-webkit-scrollbar-thumb{background:linear-gradient(var(--blu-soft),var(--oro));border-radius:8px;border:3px solid var(--bg)}

.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--fd);font-weight:700;font-size:11.5px;letter-spacing:.24em;text-transform:uppercase;
  background:linear-gradient(90deg,var(--oro-scuro),var(--oro));-webkit-background-clip:text;background-clip:text;color:transparent;display:inline-block}
.eyebrow.dark{background:linear-gradient(90deg,var(--blu),var(--navy));-webkit-background-clip:text;background-clip:text;color:transparent}
h1,h2,h3,h4{font-family:var(--fd);line-height:1.1;letter-spacing:-.025em;color:var(--navy)}
h2{font-size:clamp(30px,4.2vw,46px);font-weight:800}
h3{font-weight:700}
.lead{font-size:clamp(16.5px,1.5vw,19px);color:var(--grigio);max-width:660px}
section{padding:104px 0;position:relative}
.sec-head{max-width:780px;margin-bottom:60px}
.sec-head h2{margin:16px 0 18px}

/* ── AURORA TRICOLORE (firma) ─────────────────────────────── */
@keyframes aurora1{0%,100%{transform:translate(0,0) scale(1)}33%{transform:translate(60px,-40px) scale(1.15)}66%{transform:translate(-30px,30px) scale(.95)}}
@keyframes aurora2{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-70px,40px) scale(1.2)}}
@keyframes aurora3{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(50px,50px) scale(1.1)}}

/* ── BOTTONI ──────────────────────────────────────────────── */
.btn{position:relative;display:inline-flex;align-items:center;gap:10px;font-family:var(--fd);font-weight:700;font-size:14.5px;letter-spacing:.01em;
  padding:17px 32px;border-radius:999px;text-decoration:none;cursor:pointer;border:none;overflow:hidden;
  transition:transform .22s cubic-bezier(.34,1.56,.64,1),box-shadow .22s ease}
.btn:focus-visible{outline:3px solid var(--blu-soft);outline-offset:3px}
.btn::after{content:'';position:absolute;top:0;left:-80%;width:50%;height:100%;
  background:linear-gradient(105deg,transparent,rgba(255,255,255,.5),transparent);transform:skewX(-20deg);transition:left .55s ease}
.btn:hover::after{left:130%}
.btn-oro{background:linear-gradient(135deg,var(--oro-2),var(--oro));color:var(--navy);box-shadow:var(--glow-oro)}
.btn-oro:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 24px 60px -8px rgba(201,162,39,.55)}
.btn-navy{background:linear-gradient(135deg,var(--blu),var(--navy));color:#fff;box-shadow:var(--glow-blu)}
.btn-navy:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 24px 60px -8px rgba(37,99,235,.45)}
.btn-ghost{background:rgba(255,255,255,.65);backdrop-filter:blur(8px);color:var(--navy);border:1.5px solid var(--linea);box-shadow:var(--shadow-soft)}
.btn-ghost:hover{transform:translateY(-3px);border-color:var(--blu-soft);color:var(--blu)}
.btn-line{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-line:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}

/* ── HEADER GLASS + MEGA MENU ─────────────────────────────── */
header.site{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.78);backdrop-filter:blur(18px) saturate(1.4);
  border-bottom:1px solid rgba(11,27,58,.07)}
.topline{background:linear-gradient(90deg,var(--oro-2),var(--oro),var(--oro-2));background-size:200% 100%;animation:shimmer 6s linear infinite;
  color:var(--navy);font-family:var(--fd);font-weight:700;font-size:11.5px;letter-spacing:.06em;text-align:center;padding:8px 16px}
@keyframes shimmer{to{background-position:-200% 0}}
.topline a{color:var(--navy)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo-lockup{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo-lockup svg{filter:drop-shadow(0 4px 12px rgba(10,31,68,.25));transition:transform .3s ease}
.logo-lockup:hover svg{transform:rotate(-6deg) scale(1.05)}
.logo-word{font-family:var(--fd);color:var(--navy);font-size:16.5px;font-weight:800;line-height:1.05;letter-spacing:-.01em}
.logo-word small{display:block;font-weight:600;font-size:8.5px;letter-spacing:.3em;background:linear-gradient(90deg,var(--verde),var(--blu),var(--rosso));-webkit-background-clip:text;background-clip:text;color:transparent}
.nav-links{display:flex;gap:2px;align-items:center}
.nav-links>li{list-style:none;position:relative}
.nav-links a.top-link,.nav-links button.top-link{display:block;font-family:var(--fd);font-size:13.5px;font-weight:600;color:var(--grigio);
  text-decoration:none;padding:29px 15px;background:none;border:none;cursor:pointer;transition:color .2s}
.nav-links a.top-link:hover,.nav-links button.top-link:hover,.nav-links li:hover>.top-link{color:var(--blu)}
.top-link .car{font-size:8px;margin-left:5px;opacity:.6}
.nav-cta{padding:12px 24px !important;font-size:13px !important;margin-left:14px}

.mega{position:absolute;left:50%;transform:translateX(-50%) translateY(14px);top:100%;width:min(940px,94vw);
  background:rgba(255,255,255,.92);backdrop-filter:blur(24px);border-radius:var(--r-lg);
  box-shadow:var(--shadow-float),0 0 0 1px rgba(11,27,58,.06);
  opacity:0;visibility:hidden;transition:opacity .22s ease,transform .25s cubic-bezier(.34,1.4,.64,1);
  display:grid;grid-template-columns:1fr 1fr 1fr 1.15fr;overflow:hidden;margin-top:6px}
.nav-links li:hover>.mega,.nav-links li:focus-within>.mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega-col{padding:32px 26px;border-left:1px solid var(--linea)}
.mega-col:first-child{border-left:none}
.mega-col .mk{font-family:var(--fm);font-size:10.5px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;margin-bottom:16px;display:block}
.mk.g{color:var(--verde)}.mk.o{color:var(--oro-scuro)}.mk.r{color:var(--rosso)}
.mega-col a{display:block;text-decoration:none;padding:10px 12px;margin:0 -12px;border-radius:12px;transition:background .18s}
.mega-col a:hover{background:rgba(37,99,235,.06)}
.mega-col a b{display:block;font-family:var(--fd);font-size:14px;font-weight:700;color:var(--navy)}
.mega-col a span{font-size:12.5px;color:var(--grigio);line-height:1.45;display:block;margin-top:2px}
.mega-feat{background:linear-gradient(150deg,var(--navy) 0%,var(--blu) 140%);color:#fff;padding:32px 26px;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden}
.mega-feat::before{content:'';position:absolute;width:220px;height:220px;border-radius:50%;right:-70px;bottom:-70px;background:radial-gradient(circle,rgba(233,199,102,.45),transparent 65%);filter:blur(30px)}
.mega-feat .mk{color:var(--oro-2)}
.mega-feat h5{font-family:var(--fd);font-size:17px;font-weight:700;color:#fff;line-height:1.3;margin-bottom:10px;position:relative}
.mega-feat p{font-size:12.5px;color:rgba(255,255,255,.75);margin-bottom:18px;position:relative}
.mega-feat a{font-family:var(--fd);font-size:13px;font-weight:700;color:var(--oro-2);text-decoration:none;position:relative}

.burger{display:none;background:none;border:none;cursor:pointer;padding:10px}
.burger span{display:block;width:26px;height:2.5px;background:var(--navy);margin:5.5px 0;border-radius:2px}
@media(max-width:980px){
  .nav-links{display:none;position:fixed;inset:78px 0 0 0;background:rgba(250,251,255,.98);backdrop-filter:blur(20px);flex-direction:column;align-items:stretch;padding:20px 24px;gap:0;overflow-y:auto}
  .nav-links.open{display:flex}
  .nav-links a.top-link,.nav-links button.top-link{padding:16px 4px;font-size:16px;border-bottom:1px solid var(--linea);width:100%;text-align:left;color:var(--navy)}
  .mega{position:static;transform:none;width:100%;grid-template-columns:1fr;opacity:1;visibility:visible;display:none;box-shadow:none;margin:8px 0 16px}
  .nav-links li.open-sub>.mega{display:grid}
  .mega-feat{display:none}
  .burger{display:block}
  .nav-cta{margin:18px 0 0;justify-content:center}
}

/* ── BINARIO → RAGGIO DI LUCE ─────────────────────────────── */
.binario{height:5px;width:100%;display:flex;position:relative;background:linear-gradient(90deg,var(--verde),#fff 35%,var(--blu-soft) 50%,#fff 65%,var(--rosso));box-shadow:0 0 24px rgba(37,99,235,.35)}
.binario i{display:none}

/* ── HERO LUMINOSO ────────────────────────────────────────── */
.hero,.page-hero{background:linear-gradient(180deg,#FFFFFF 0%,var(--bg) 100%);color:var(--ink);position:relative;overflow:hidden}
.hero::before,.page-hero::before{content:'';position:absolute;width:560px;height:560px;left:-160px;top:-180px;border-radius:50%;background:radial-gradient(circle,rgba(0,166,81,.28),transparent 62%);filter:blur(80px);animation:aurora1 18s ease-in-out infinite;pointer-events:none}
.hero::after,.page-hero::after{content:'';position:absolute;width:680px;height:680px;right:-200px;top:-140px;border-radius:50%;background:radial-gradient(circle,rgba(91,141,239,.32),transparent 62%);filter:blur(90px);animation:aurora2 22s ease-in-out infinite;pointer-events:none}
.hero-img{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.14;
  -webkit-mask-image:linear-gradient(105deg,transparent 38%,#000 78%);mask-image:linear-gradient(105deg,transparent 38%,#000 78%)}
.hero .wrap{position:relative;z-index:2;padding-top:104px;padding-bottom:0}
.hero h1{font-size:clamp(38px,5.3vw,62px);font-weight:800;max-width:900px;color:var(--navy)}
.hero h1 em{font-style:normal;background:linear-gradient(120deg,var(--blu) 0%,var(--oro) 120%);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{color:var(--grigio);margin:28px 0 38px;max-width:700px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:80px}
.badge-duo{display:inline-flex;align-items:center;border-radius:999px;overflow:hidden;margin-bottom:32px;
  font-family:var(--fd);font-size:11.5px;font-weight:700;letter-spacing:.12em;
  background:rgba(255,255,255,.7);backdrop-filter:blur(10px);box-shadow:var(--shadow-soft),0 0 0 1px var(--linea)}
.badge-duo span{padding:10px 18px}
.badge-duo .b-h{color:var(--navy)}
.badge-duo .b-plus{background:linear-gradient(135deg,var(--oro-2),var(--oro));color:var(--navy);padding:10px 13px}
.badge-duo .b-ai{color:var(--blu)}

.page-hero .wrap{position:relative;z-index:2;padding:92px 24px 80px}
.page-hero h1{font-size:clamp(32px,4.5vw,54px);font-weight:800;color:var(--navy);max-width:880px;margin-top:16px}
.page-hero .lead{color:var(--grigio);margin-top:22px}
.crumbs{font-family:var(--fm);font-size:12px;color:var(--grigio);letter-spacing:.06em}
.crumbs a{color:var(--blu);text-decoration:none}

/* ── TRUST BAR GLASS + GLOW ───────────────────────────────── */
.trust{background:transparent;position:relative;z-index:3}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:0 24px;transform:translateY(-46px);margin-bottom:-46px}
.trust .t{background:rgba(255,255,255,.85);backdrop-filter:blur(16px);border-radius:var(--r-md);padding:26px 26px;border-left:none;
  border:1px solid rgba(255,255,255,.9);box-shadow:var(--shadow-soft);transition:transform .25s ease,box-shadow .25s ease}
.trust .t:hover{transform:translateY(-6px);box-shadow:var(--glow-blu)}
.trust .t:first-child{padding-left:26px}
.trust .n{font-family:var(--fm);font-size:32px;font-weight:700;background:linear-gradient(120deg,var(--blu),var(--navy));-webkit-background-clip:text;background-clip:text;color:transparent}
.trust .l{font-family:var(--fd);font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--grigio);margin-top:6px}
@media(max-width:820px){.trust .wrap{grid-template-columns:repeat(2,1fr)}.trust .t:nth-child(3){padding-left:26px}}

/* ── GRID & CARD ──────────────────────────────────────────── */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
@media(max-width:900px){.grid-3{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr;gap:40px}}
.card{border:1px solid var(--linea);border-radius:var(--r-lg);background:var(--bg-2);overflow:hidden;display:flex;flex-direction:column;position:relative;
  transition:transform .3s cubic-bezier(.34,1.3,.64,1),box-shadow .3s ease,border-color .3s ease;box-shadow:var(--shadow-soft)}
.card::before{content:'';position:absolute;inset:0;border-radius:var(--r-lg);padding:1.5px;
  background:linear-gradient(135deg,var(--verde),var(--blu-soft),var(--oro-2),var(--rosso));
  -webkit-mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);-webkit-mask-composite:xor;mask-composite:exclude;
  opacity:0;transition:opacity .3s ease;pointer-events:none;z-index:2}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-float)}
.card:hover::before{opacity:1}
.card .img{height:210px;background-size:cover;background-position:center;transition:transform .5s ease}
.card:hover .img{transform:scale(1.04)}
.card .body{padding:28px 26px 30px;flex:1;display:flex;flex-direction:column;background:var(--bg-2);position:relative}
.card .cat{font-family:var(--fm);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blu)}
.card h3{font-size:19px;margin:12px 0 10px;line-height:1.32}
.card h3 a{text-decoration:none}
.card h3 a:hover{color:var(--blu)}
.card p{font-size:14px;color:var(--grigio);flex:1}
.card .meta{font-family:var(--fm);font-size:12px;color:var(--grigio);margin-top:16px}

.check-list{list-style:none;display:grid;gap:15px;margin:26px 0 30px}
.check-list li{padding-left:36px;position:relative;color:var(--grigio)}
.check-list li::before{content:'✓';position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;
  background:linear-gradient(135deg,rgba(0,166,81,.15),rgba(0,166,81,.05));color:var(--verde);
  font-family:var(--fd);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center}
.check-list li strong{color:var(--ink)}

.img-frame{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-float);position:relative;transform:rotate(-1deg);transition:transform .4s ease}
.img-frame:hover{transform:rotate(0deg) scale(1.01)}
.img-frame img{width:100%;height:100%;object-fit:cover}
.img-frame::after{content:'';position:absolute;left:0;right:0;bottom:0;height:5px;background:linear-gradient(90deg,var(--verde),#fff 50%,var(--rosso))}

/* ── CTA BAND SCENOGRAFICA ────────────────────────────────── */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,#123163 55%,var(--blu) 130%);color:#fff;border-radius:28px;
  padding:60px 64px;display:flex;justify-content:space-between;align-items:center;gap:36px;position:relative;overflow:hidden;
  box-shadow:0 40px 90px -24px rgba(10,31,68,.5)}
.cta-band::before{content:'';position:absolute;width:420px;height:420px;border-radius:50%;right:-100px;bottom:-180px;
  background:radial-gradient(circle,rgba(233,199,102,.5),transparent 65%);filter:blur(50px);animation:aurora3 16s ease-in-out infinite}
.cta-band::after{content:'';position:absolute;width:340px;height:340px;border-radius:50%;left:-100px;top:-160px;
  background:radial-gradient(circle,rgba(0,166,81,.35),transparent 65%);filter:blur(50px);animation:aurora1 20s ease-in-out infinite}
.cta-band h3{color:#fff;font-size:clamp(24px,3vw,34px);position:relative;z-index:2}
.cta-band p{color:rgba(255,255,255,.75);position:relative;margin-top:10px;z-index:2}
.cta-band .btn{position:relative;flex-shrink:0;z-index:2}
@media(max-width:800px){.cta-band{flex-direction:column;text-align:center;padding:44px 28px}}

/* ── PROSA / ARTICOLI ─────────────────────────────────────── */
.prosa{max-width:760px;margin:0 auto;font-size:17.5px}
.prosa h2{font-size:27px;margin:46px 0 16px}
.prosa p{margin-bottom:22px;color:#2A3550}
.prosa a{color:var(--blu);font-weight:600;text-decoration-color:rgba(37,99,235,.3);text-underline-offset:3px}
.prosa strong{color:var(--navy)}
.art-head{max-width:820px;margin:0 auto 40px;text-align:center}
.art-head h1{font-size:clamp(30px,4vw,46px);margin:16px 0 18px}
.art-head .sub{font-size:18.5px;color:var(--grigio);font-style:italic}
.art-meta{font-family:var(--fm);font-size:12.5px;color:var(--grigio);margin-top:22px;letter-spacing:.04em}
.art-cover{max-width:1000px;margin:0 auto 56px}

/* ── FORM GLASS ───────────────────────────────────────────── */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:44px;background:rgba(255,255,255,.8);backdrop-filter:blur(14px);
  border-radius:28px;padding:44px;border:1px solid rgba(255,255,255,.95);box-shadow:var(--shadow-float)}
.form-grid .full{grid-column:1/-1}
.fld label{display:block;font-family:var(--fd);font-weight:700;font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--navy);margin-bottom:9px}
.fld input,.fld select,.fld textarea{width:100%;padding:15px 18px;border:1.5px solid var(--linea);border-radius:14px;background:#fff;
  font-family:var(--fb);font-size:15.5px;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--blu-soft);box-shadow:0 0 0 4px rgba(37,99,235,.12)}
.fld textarea{min-height:120px;resize:vertical}
.privacy{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--grigio);margin-top:8px}
.privacy input{margin-top:4px}
.form-msg{margin-top:20px;font-family:var(--fd);font-weight:700;font-size:14.5px;display:none;padding:16px 22px;border-radius:14px}
.form-msg.ok{display:block;background:rgba(0,166,81,.1);color:var(--verde)}
.form-msg.err{display:block;background:rgba(226,59,78,.1);color:var(--rosso)}
.hp{position:absolute;left:-9999px;opacity:0}
@media(max-width:720px){.form-grid{grid-template-columns:1fr;padding:28px 22px}}

/* ── SIMULATORE GLASS ─────────────────────────────────────── */
.sim-card{background:rgba(255,255,255,.96);color:var(--ink);border-radius:28px;padding:48px 52px;display:grid;grid-template-columns:1fr 1fr;gap:56px;
  box-shadow:0 40px 100px -20px rgba(3,10,30,.55),0 0 0 1px rgba(255,255,255,.25)}
.sim-field{margin-bottom:36px}
.sim-field label{font-family:var(--fd);font-weight:700;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);display:flex;justify-content:space-between;margin-bottom:16px}
.sim-field output{font-family:var(--fm);font-weight:700;color:var(--blu);font-size:15px}
input[type=range]{width:100%;-webkit-appearance:none;height:7px;border-radius:4px;background:linear-gradient(90deg,var(--verde),var(--blu-soft),var(--rosso));outline:none;box-shadow:0 0 14px rgba(37,99,235,.3)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--blu);cursor:pointer;box-shadow:0 4px 14px rgba(37,99,235,.4);transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--blu);cursor:pointer}
.sim-out{border-left:1px solid var(--linea);padding-left:56px;display:flex;flex-direction:column;justify-content:center}
.sim-rata{font-family:var(--fm);font-size:clamp(42px,4.5vw,60px);font-weight:700;line-height:1;
  background:linear-gradient(120deg,var(--blu),var(--navy));-webkit-background-clip:text;background-clip:text;color:transparent}
.sim-rata small{font-size:17px;color:var(--grigio);font-weight:400;-webkit-text-fill-color:var(--grigio)}
.sim-note{font-size:12.5px;color:var(--grigio);margin-top:18px;font-style:italic}
.sim-mcc{margin-top:22px;font-family:var(--fd);font-size:12.5px;font-weight:700;letter-spacing:.04em;color:var(--verde)}
@media(max-width:860px){.sim-card{grid-template-columns:1fr;padding:30px 24px}.sim-out{border-left:none;padding-left:0;border-top:1px solid var(--linea);padding-top:30px}}

/* ── FOOTER ───────────────────────────────────────────────── */
footer.site{background:var(--navy-deep);color:rgba(255,255,255,.6);font-size:13.5px;position:relative;overflow:hidden}
footer.site::before{content:'';position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--verde),var(--blu-soft),var(--oro-2),var(--rosso));box-shadow:0 0 30px rgba(91,141,239,.5)}
footer.site::after{content:'';position:absolute;width:500px;height:500px;border-radius:50%;right:-160px;bottom:-300px;background:radial-gradient(circle,rgba(37,99,235,.25),transparent 65%);filter:blur(70px)}
footer.site .wrap{padding:72px 24px 42px;position:relative;z-index:2}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px;margin-bottom:44px}
.foot-grid h4{font-family:var(--fd);color:#fff;font-size:12px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:16px}
.foot-grid a{display:block;text-decoration:none;margin-bottom:10px;color:rgba(255,255,255,.6);transition:color .2s,transform .2s}
.foot-grid a:hover{color:var(--oro-2);transform:translateX(4px)}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:28px;font-size:11.5px;line-height:1.8;color:rgba(255,255,255,.42)}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}

/* ── REVEAL con stagger ───────────────────────────────────── */
.rv{opacity:0;transform:translateY(28px);transition:opacity .7s cubic-bezier(.22,1,.36,1),transform .7s cubic-bezier(.22,1,.36,1)}
.rv.in{opacity:1;transform:none}
.grid-3 .rv:nth-child(2){transition-delay:.1s}
.grid-3 .rv:nth-child(3){transition-delay:.2s}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .rv{opacity:1;transform:none;transition:none}
  .btn,.card,.img-frame,.trust .t{transition:none}
  .hero::before,.hero::after,.page-hero::before,.page-hero::after,.cta-band::before,.cta-band::after{animation:none}
  .topline{animation:none}
  .btn::after{display:none}
}

/* ═══ v3.2 — SPUNTI MK KREDIT (contatti sticky, partner, storie, QR) ═══ */

/* Barra contatti nel header (sopra topline) */
.contactbar{background:var(--navy-deep);color:rgba(255,255,255,.85);font-family:var(--fd);font-size:12px;font-weight:600}
.contactbar .wrap{display:flex;justify-content:flex-end;align-items:center;gap:22px;height:38px;padding:0 24px}
.contactbar a{color:rgba(255,255,255,.85);text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:color .2s}
.contactbar a:hover{color:var(--oro-2)}
.contactbar a.wa:hover{color:#25D366}
.contactbar .sep{width:1px;height:16px;background:rgba(255,255,255,.18)}
.contactbar svg{width:15px;height:15px}
@media(max-width:640px){.contactbar .lbl{display:none}.contactbar .wrap{justify-content:center;gap:26px}}

/* FAB WhatsApp flottante */
.fab-wa{position:fixed;right:22px;bottom:22px;z-index:90;width:60px;height:60px;border-radius:50%;
  background:linear-gradient(135deg,#25D366,#128C7E);display:flex;align-items:center;justify-content:center;
  box-shadow:0 12px 30px rgba(18,140,126,.45);transition:transform .25s cubic-bezier(.34,1.56,.64,1);animation:wapulse 2.6s ease-in-out infinite}
.fab-wa:hover{transform:scale(1.1) rotate(6deg)}
.fab-wa svg{width:32px;height:32px;fill:#fff}
@keyframes wapulse{0%,100%{box-shadow:0 12px 30px rgba(18,140,126,.45),0 0 0 0 rgba(37,211,102,.5)}50%{box-shadow:0 12px 30px rgba(18,140,126,.45),0 0 0 14px rgba(37,211,102,0)}}
@media(prefers-reduced-motion:reduce){.fab-wa{animation:none}}

/* Pill esigenze (stile "aree di esigenza" MK, ma orizzontale premium) */
.needs{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.need{background:var(--bg-2);border:1px solid var(--linea);border-radius:var(--r-md);padding:26px 22px;text-decoration:none;
  display:block;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease;box-shadow:var(--shadow-soft);position:relative;overflow:hidden}
.need::after{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(var(--verde),var(--blu-soft));opacity:0;transition:opacity .25s}
.need:hover{transform:translateY(-5px);box-shadow:var(--glow-blu);border-color:transparent}
.need:hover::after{opacity:1}
.need .ic{width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,rgba(37,99,235,.12),rgba(0,166,81,.1));display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}
.need b{display:block;font-family:var(--fd);font-weight:700;font-size:16px;color:var(--navy);margin-bottom:5px}
.need span{font-size:13px;color:var(--grigio);line-height:1.45}
@media(max-width:900px){.needs{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.needs{grid-template-columns:1fr}}

/* Partner cards */
.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.partner{background:var(--bg-2);border:1px solid var(--linea);border-radius:var(--r-lg);padding:32px 26px;text-align:center;box-shadow:var(--shadow-soft);transition:transform .28s ease,box-shadow .28s ease}
.partner:hover{transform:translateY(-6px);box-shadow:var(--shadow-float)}
.partner .em{font-size:34px;margin-bottom:14px}
.partner h3{font-size:18px;margin-bottom:10px}
.partner p{font-size:13.5px;color:var(--grigio)}
@media(max-width:900px){.partner-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.partner-grid{grid-template-columns:1fr}}

/* Storia di successo — quote card */
.story{background:var(--bg-2);border:1px solid var(--linea);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--shadow-soft);transition:transform .3s ease,box-shadow .3s ease}
.story:hover{transform:translateY(-6px);box-shadow:var(--shadow-float)}
.story .img{height:200px;background-size:cover;background-position:center}
.story .body{padding:28px 26px 30px;display:flex;flex-direction:column;flex:1}
.story .tag{font-family:var(--fm);font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--verde);margin-bottom:12px}
.story blockquote{font-size:16.5px;color:var(--ink);line-height:1.55;font-style:italic;flex:1;border:none;margin:0;padding:0}
.story .who{margin-top:18px;font-family:var(--fd);font-weight:700;font-size:14px;color:var(--navy)}
.story .who span{display:block;font-weight:400;font-size:12.5px;color:var(--grigio);font-family:var(--fb)}
.story .res{margin-top:16px;display:inline-flex;align-items:center;gap:8px;font-family:var(--fm);font-size:13px;font-weight:600;color:var(--blu);background:rgba(37,99,235,.08);padding:8px 14px;border-radius:10px;align-self:flex-start}

/* QR WhatsApp box */
.qr-box{background:var(--bg-2);border:1px solid var(--linea);border-radius:var(--r-lg);padding:32px;text-align:center;box-shadow:var(--shadow-soft);max-width:300px}
.qr-box .qr{width:180px;height:180px;margin:0 auto 16px;background:#fff;border-radius:14px;padding:10px}
.qr-box h4{font-size:16px;margin-bottom:6px}
.qr-box p{font-size:13px;color:var(--grigio)}