@media (max-width: 1050px) {
  .desktop-nav {
    gap: 15px;
  }

  .header-inner {
    gap: 18px;
  }

  .hero-content {
    gap: 40px;
  }

  .cards-4 {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

@media (max-width: 820px) {
  .topbar-inner {
    justify-content: center;
  }

  .topbar-inner>span {
    display: none;
  }

  .desktop-nav,
  .header-cta {
    display: none;
  }

  .menu-toggle {
    display: block;
    margin-left: auto;
  }

  .hero {
    min-height: auto;
  }

  .hero-content {
    grid-template-columns: 1fr;
    padding: 55px 0;
  }

  .hero-copy {
    text-align: center;
  }

  .hero-copy>p {
    margin-inline: auto;
  }

  .hero-actions,
  .hero-points {
    justify-content: center;
  }

  .hero-card {
    max-width: 540px;
    width: 100%;
    margin-inline: auto;
  }

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

  .trust-grid>div:nth-child(2) {
    border-right: 0;
  }

  .trust-grid>div:nth-child(-n+2) {
    border-bottom: 1px solid rgba(255, 255, 255, .15);
  }

  .split,
  .faq-layout,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .reverse-mobile .section-copy {
    order: 1;
  }

  .reverse-mobile .bank-image {
    order: 2;
  }

  .faq-layout .section-copy {
    text-align: center;
  }

  .faq-layout .section-copy p {
    margin-inline: auto;
  }

  .notice-box {
    align-items: flex-start;
    flex-direction: column;
  }

  .rate-highlight {
    flex-direction: column;
    align-items: flex-start;
  }

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

@media (max-width: 600px) {
  :root {
    --section-y: 55px;
  }

  .container {
    width: min(100% - 24px, var(--container));
  }

  .topbar {
    display: none;
  }

  .hero h1 {
    font-size: 32px;
    line-height: 1.25;
  }

  .hero-content {
    padding: 35px 0;
  }

  .hero-card {
    padding: 20px 16px;
  }

  .hero-card h2 {
    font-size: 24px;
  }

  .hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
  }

  .trust-grid {
    grid-template-columns: 1fr 1fr;
  }

  .trust-grid>div {
    padding: 16px 10px;
  }

  .cards-4,
  .process-grid,
  .condition-grid,
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .feature-card,
  .process-card,
  .condition-card {
    padding: 22px 18px;
  }

  .section-image {
    min-height: 240px;
  }

  .notice-section {
    padding: 45px 0;
  }

  .notice-box h2 {
    font-size: 26px;
  }

  .rate-highlight {
    padding: 20px 18px;
    gap: 14px;
    border-radius: 12px;
  }

  .rate-highlight strong {
    font-size: 34px;
  }

  .table-wrap table {
    min-width: 580px;
  }

  th,
  td {
    padding: 12px 14px;
    font-size: 13px;
  }

  .contact-section {
    padding: 50px 0;
  }

  .contact-form {
    padding: 20px 16px;
  }

  .footer-grid {
    gap: 26px;
  }

  .footer-bottom {
    padding: 15px 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .floating-actions {
    right: 12px;
    bottom: 12px;
    gap: 8px;
  }

  .floating-actions a {
    width: 46px;
    height: 46px;
    font-size: 16px;
  }
}

@media (max-width: 380px) {
  .hero h1 {
    font-size: 28px;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-grid>div {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .15);
  }

  .trust-grid>div:last-child {
    border-bottom: 0;
  }
}