/* =========================================================
   Togg — Satış ve Finansman Koşulları
   ========================================================= */

:root {
  --navy-900: #0b0f2e;
  --navy-800: #13183f;
  --navy-700: #1d2457;
  --navy-500: #3a4380;
  --cyan: #00b4e6;
  --cyan-600: #0096c7;
  --cyan-100: #e0f6fd;
  --ink: #13183f;
  --muted: #5b6185;
  --line: #d9dceb;
  --bg: #ffffff;
  --bg-soft: #f4f6fb;
  --radius: 14px;
  --shadow: 0 20px 50px -20px rgba(11, 15, 46, .35);
  --header-h: 72px;
  --font: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 70px); }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -webkit-text-size-adjust: 100%;
  -webkit-tap-highlight-color: transparent;
  line-height: 1.55;
  overflow-x: hidden;
}
@supports (overflow: clip) { body { overflow-x: clip; } }

body.no-scroll { overflow: hidden; }

a { color: inherit; }
img, svg { display: block; }
button { font: inherit; cursor: pointer; }

.container {
  width: 100%;
  max-width: 1240px;
  margin-inline: auto;
  padding-inline: 24px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 50px;
  padding: 0 28px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
  transition: background .25s, color .25s, border-color .25s, transform .25s;
}
.btn:active { transform: scale(.98); }
.btn--primary { background: var(--cyan); color: #fff; }
.btn--primary:hover { background: var(--cyan-600); }
.btn--ghost { border-color: rgba(255,255,255,.7); color: #fff; }
.btn--ghost:hover { background: #fff; color: var(--navy-800); }
.btn--ghost-dark { border-color: var(--navy-800); color: var(--navy-800); background: transparent; }
.btn--ghost-dark:hover { background: var(--navy-800); color: #fff; }
.btn--block { width: 100%; }

/* Butonlardaki ok: üzerine gelince sağa kayar */
.btn__arrow {
  flex: none;
  width: 18px;
  height: 18px;
  margin-right: -4px; /* ok kaydığında buton ortalı kalsın */
  fill: none;
  stroke: currentColor;
  stroke-width: 2.2;
  stroke-linecap: round;
  stroke-linejoin: round;
  transition: transform .25s ease;
}
.btn:hover .btn__arrow,
.btn:focus-visible .btn__arrow { transform: translateX(4px); }

/* ---------- Header ---------- */
.header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 50;
  height: var(--header-h);
  transition: box-shadow .25s;
}
/* Arka plan + blur ayrı katmanda: backdrop-filter header'ın kendisinde olursa
   içindeki position:fixed mobil menünün referansını bozar. */
.header::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-color: rgba(19, 24, 63, .94);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  opacity: 0;
  transition: opacity .25s;
}
.header.is-solid { box-shadow: 0 6px 24px -12px rgba(0,0,0,.4); }
.header.is-solid::before { opacity: 1; }
.header__inner {
  max-width: 1440px;
  height: 100%;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  text-decoration: none;
}
.logo img { height: 30px; width: auto; }
.logo--footer img { height: 32px; }

.nav { display: flex; gap: 34px; }
.nav a {
  position: relative;
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  padding: 6px 0;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 2px;
  background: var(--cyan);
  transform: scaleX(0);
  transition: transform .3s;
}
.nav a:hover::after { transform: scaleX(1); }
.nav__mobile-only { display: none; }

.header__actions { display: flex; align-items: center; gap: 6px; }
.icon-btn {
  width: 40px; height: 40px;
  display: grid; place-items: center;
  background: none; border: 0; border-radius: 50%;
  color: #fff;
  transition: background .2s;
}
.icon-btn:hover { background: rgba(255,255,255,.12); }
.icon-btn svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.6; }

.burger { flex-direction: column; align-items: center; justify-content: center; gap: 4px; display: none; }
.burger span { display: block; width: 20px; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s, opacity .3s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 100vh;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: -1;
  background: #6f8fae url("../img/hero-web.webp") center 62% / cover no-repeat;
}
.hero__bg::before {
  /* metin okunabilirliği: sol üst ve alt kenar karartma */
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(100deg, rgba(11,15,46,.55) 0%, rgba(11,15,46,.2) 38%, rgba(11,15,46,0) 60%),
    linear-gradient(180deg, rgba(11,15,46,.45) 0%, rgba(11,15,46,0) 30%, rgba(11,15,46,0) 65%, rgba(11,15,46,.7) 100%);
}

.hero__content { padding-top: calc(var(--header-h) + 9vh); position: relative; z-index: 3; }
.hero__title {
  margin: 0;
  font-size: clamp(40px, 5.6vw, 76px);
  line-height: 1.08;
  letter-spacing: -1px;
  color: #fff;
  text-shadow: 0 2px 24px rgba(11,15,46,.35);
}
.hero__title span { display: block; }
.hero__title-strong { font-weight: 800; }
.hero__title-light { font-weight: 300; }
.hero__lead {
  max-width: 480px;
  margin: 22px 0 32px;
  font-size: 17px;
  color: rgba(255,255,255,.92);
  font-weight: 500;
  text-shadow: 0 1px 12px rgba(11,15,46,.5);
}
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; }

.hero__bottom {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: end;
  padding-bottom: 42px;
}
.hero__year { font-size: clamp(36px, 4vw, 56px); font-weight: 800; letter-spacing: -1px; }
.scroll-hint {
  display: flex; flex-direction: column; align-items: center; gap: 10px;
  font-size: 13px; font-weight: 600; text-decoration: none;
}
.scroll-hint__mouse {
  width: 24px; height: 38px;
  border: 2px solid rgba(255,255,255,.85);
  border-radius: 14px;
  display: flex; justify-content: center;
  padding-top: 7px;
}
.scroll-hint__mouse span {
  width: 3px; height: 8px; border-radius: 2px; background: #fff;
  animation: wheel 1.8s ease-in-out infinite;
}
@keyframes wheel {
  0% { transform: translateY(0); opacity: 1; }
  70% { transform: translateY(10px); opacity: 0; }
  100% { transform: translateY(0); opacity: 0; }
}

/* ---------- Tabs bar ---------- */
.tabs-bar {
  position: sticky;
  top: var(--header-h);
  z-index: 40;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.tabs-bar__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.tabs-bar__label { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--muted); }
.tabs {
  position: relative;
  display: inline-flex;
  padding: 4px;
  background: var(--bg-soft);
  border-radius: 999px;
}
.tab {
  position: relative;
  z-index: 1;
  min-width: 110px;
  height: 42px;
  border: 0;
  background: none;
  border-radius: 999px;
  font-weight: 800;
  font-size: 15px;
  color: var(--muted);
  transition: color .3s;
}
.tab.is-active { color: #fff; }
.tabs__indicator {
  position: absolute;
  top: 4px; left: 4px;
  height: 42px;
  width: 110px;
  border-radius: 999px;
  background: var(--navy-800);
  transition: transform .4s cubic-bezier(.6,.05,.2,1);
}

/* ---------- Split sections ---------- */
.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: stretch;
  min-height: 640px;
}
.split__text {
  padding: 96px 64px 96px max(24px, calc((100vw - 1240px) / 2 + 24px));
}
.split__media { position: relative; min-height: 420px; }

.media {
  overflow: hidden;
  background: var(--bg-soft);
}
.media img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 65%; /* araçlar görselin alt-orta kısmında */
  transition: opacity .35s ease;
}
.media img.is-swapping { opacity: 0; }
.media--offset-top { margin-top: 120px; }

.badge {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--cyan-100);
  color: var(--cyan-600);
  font-weight: 800;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
}
.badge--dark { background: var(--navy-800); color: #fff; }
.badge--light { background: rgba(255,255,255,.12); color: var(--cyan); }

.section-title {
  margin: 18px 0 16px;
  font-size: clamp(26px, 2.6vw, 36px);
  line-height: 1.22;
  font-weight: 800;
  letter-spacing: -.4px;
}
.section-title--light { color: #fff; }
.section-lead { margin: 0 0 32px; color: var(--muted); font-size: 16px; max-width: 520px; }
.section-lead b { color: var(--ink); }
.section-lead--light { color: rgba(255,255,255,.7); }

/* ---------- Table ---------- */
.table-wrap {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow-x: auto;
  background: #fff;
  box-shadow: 0 10px 30px -22px rgba(11,15,46,.4);
}
.fin-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  text-align: center;
  white-space: nowrap;
}
.fin-table th {
  padding: 16px 12px;
  background: var(--bg-soft);
  font-weight: 800;
  font-size: 13px;
  color: var(--navy-800);
}
.fin-table td {
  padding: 15px 12px;
  border-top: 1px solid var(--line);
  color: var(--navy-700);
}
.fin-table tbody tr { transition: background .2s; }
.fin-table tbody tr:hover { background: #f9fbfe; }
.fin-table td.rate { font-weight: 800; }
.fin-table td.rate.zero { color: var(--cyan-600); }
.fin-table td.monthly { font-weight: 700; color: var(--navy-800); }
.fin-table .fade-in { animation: rowIn .45s both; }
@keyframes rowIn { from { opacity: 0; transform: translateY(6px); } }

.note-strong { margin: 18px 0 0; font-weight: 800; font-size: 15px; }
.footnotes { margin-top: 18px; }
.footnotes p { margin: 0 0 8px; font-size: 12px; line-height: 1.6; color: var(--muted); }

/* ---------- Calculator ---------- */
.calc {
  padding: 64px 0;
  background:
    radial-gradient(ellipse 50% 60% at 90% 10%, rgba(0,180,230,.22), transparent 70%),
    radial-gradient(ellipse 40% 50% at 0% 100%, rgba(58,67,128,.6), transparent 70%),
    var(--navy-900);
  color: #fff;
}
.calc__head { max-width: 640px; margin-bottom: 24px; }
/* Başlık bloğu kompakt; tipografi ritmi de daraltıldı */
.calc__head .section-title { margin: 12px 0 10px; }
.calc__head .section-lead { margin-bottom: 0; font-size: 14.5px; }
.calc__grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr;
  gap: 20px;
  align-items: stretch;
}
.calc__form,
.calc__result {
  border-radius: 16px;
  padding: 24px;
}
.calc__form {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.field__row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.field__row label { font-size: 13px; font-weight: 600; color: rgba(255,255,255,.75); }
.field__row output { font-size: 19px; font-weight: 800; }
.field__minmax { display: flex; justify-content: space-between; margin-top: 6px; font-size: 11px; color: rgba(255,255,255,.45); }

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 6px;
  background: linear-gradient(90deg, var(--cyan) var(--p, 50%), rgba(255,255,255,.15) var(--p, 50%));
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--cyan);
  cursor: pointer;
  box-shadow: 0 0 0 6px rgba(0,180,230,.18);
}
input[type="range"]::-moz-range-thumb {
  width: 14px; height: 14px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--cyan);
  cursor: pointer;
}

.chips { display: grid; grid-template-columns: repeat(5, 1fr); gap: 6px; }
.chips button {
  height: 38px;
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,.18);
  background: transparent;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  transition: background .2s, border-color .2s, color .2s;
}
.chips button:hover { border-color: var(--cyan); }
.chips button.is-active { background: var(--cyan); border-color: var(--cyan); }

.calc__result {
  background: #fff;
  color: var(--ink);
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  justify-content: center; /* kart, formun yüksekliğine göre şişip dağılmaz */
}
.calc__result-label { font-size: 12.5px; font-weight: 700; color: var(--muted); }
.calc__result-value {
  margin: 4px 0 16px;
  font-size: clamp(28px, 3vw, 34px);
  font-weight: 800;
  letter-spacing: -.6px;
  color: var(--navy-800);
}
.calc__breakdown { list-style: none; margin: 0 0 18px; padding: 0; }
.calc__breakdown li {
  display: flex; justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px dashed var(--line);
  font-size: 13px;
}
.calc__breakdown li span { color: var(--muted); }
.calc__breakdown li.total { border-bottom: 0; font-size: 14.5px; }
.calc__breakdown li.total span { color: var(--ink); font-weight: 700; }
.calc__disclaimer { margin: 12px 0 0; font-size: 11px; color: var(--muted); line-height: 1.5; }

/* ---------- Perks ---------- */
.perks {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  padding-top: 72px;
  padding-bottom: 72px;
}
.perk {
  padding: 30px 26px;
  border-radius: var(--radius);
  background: var(--bg-soft);
  transition: transform .3s, box-shadow .3s, background .3s;
}
.perk:hover { transform: translateY(-6px); background: #fff; box-shadow: var(--shadow); }
.perk__icon {
  width: 52px; height: 52px;
  display: grid; place-items: center;
  border-radius: 14px;
  background: var(--navy-800);
  color: var(--cyan);
  margin-bottom: 20px;
}
.perk__icon svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.perk h3 { margin: 0 0 8px; font-size: 18px; font-weight: 800; }
.perk p { margin: 0; font-size: 14px; color: var(--muted); }

/* ---------- Legal ---------- */
.legal { padding-top: 80px; padding-bottom: 100px; max-width: 980px; }
.legal__title { font-size: 20px; font-weight: 800; margin: 0 0 18px; }
.legal p { font-size: 13px; color: var(--muted); line-height: 1.75; margin: 0 0 14px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-800); color: rgba(255,255,255,.75); padding-top: 72px; }
.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 32px;
  padding-bottom: 56px;
}
.footer__brand p { font-size: 14px; margin: 18px 0 0; max-width: 240px; }
.footer__col h4 { color: #fff; margin: 0 0 16px; font-size: 15px; font-weight: 800; }
.footer__col h4 button {
  all: unset;
  box-sizing: border-box;
  display: block;
  width: 100%;
  cursor: default;
}
.footer__col a { display: block; font-size: 14px; text-decoration: none; padding: 5px 0; transition: color .2s; }
.footer__col a:hover { color: var(--cyan); }
.footer__bottom {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px;
  padding-top: 24px; padding-bottom: 28px;
  border-top: 1px solid rgba(255,255,255,.12);
  font-size: 13px;
}
.footer__bottom { align-items: center; }
.footer__legal { display: flex; gap: 22px; }
.footer__bottom a { text-decoration: none; }
.footer__bottom a:hover { color: #fff; }

.social { display: flex; align-items: center; gap: 22px; margin: 0; padding: 0; list-style: none; }
.social a {
  display: grid;
  place-items: center;
  width: 36px; height: 36px;
  color: #fff;
  border-radius: 50%;
  transition: color .2s, background .2s, transform .2s;
}
.social a:hover { color: var(--cyan); background: rgba(255,255,255,.08); transform: translateY(-2px); }
.social a:focus-visible { outline: 2px solid var(--cyan); outline-offset: 2px; }
.social svg { width: 26px; height: 26px; fill: currentColor; }

/* ---------- Sabit başvuru çubuğu (footer'ın üstüne yapışır) ---------- */
.cta-bar {
  position: sticky;
  bottom: 0;
  z-index: 80;
  background: var(--navy-800);
  border-top: 1px solid rgba(255,255,255,.12);
  box-shadow: 0 -14px 34px -22px rgba(0,0,0,.65);
  transition: opacity .3s ease, transform .3s ease, visibility .3s;
}
/* Kullanıcı kredi hesaplama bölümündeyken çubuk yumuşakça çekilir */
.cta-bar.is-hidden {
  opacity: 0;
  transform: translateY(100%);
  visibility: hidden;
  pointer-events: none;
}
.cta-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-block: 14px;
}
.cta-bar__label {
  display: block;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.1px;
  text-transform: uppercase;
  color: var(--cyan);
}
.cta-bar__title { margin: 3px 0 0; font-size: 15px; font-weight: 700; color: #fff; }
.cta-bar__btn { flex: none; height: 46px; padding: 0 24px; font-size: 14.5px; }
/* Panel/overlay açıkken arkada kalmasın (mobilde menü zaten tam ekran) */
body.no-scroll .cta-bar { z-index: 70; }

/* ---------- Side panel ---------- */
.overlay {
  position: fixed; inset: 0; z-index: 90;
  background: rgba(11,15,46,.5);
  opacity: 0; visibility: hidden;
  transition: opacity .35s, visibility .35s;
}
.overlay.is-open { opacity: 1; visibility: visible; }
.panel {
  position: fixed;
  top: 0; right: 0; bottom: 0;
  z-index: 100;
  width: min(520px, 100%);
  background: #fff;
  transform: translateX(100%);
  transition: transform .45s cubic-bezier(.6,.05,.2,1);
  overflow-y: auto;
  box-shadow: -20px 0 60px -20px rgba(0,0,0,.35);
}
.panel.is-open { transform: none; }
.panel__close {
  position: absolute; top: 18px; right: 18px;
  width: 42px; height: 42px;
  border: 0; border-radius: 50%;
  background: var(--bg-soft);
  font-size: 26px; line-height: 1;
  color: var(--navy-800);
  transition: background .2s, transform .3s;
}
.panel__close:hover { background: var(--line); transform: rotate(90deg); }
.panel__body { padding: 56px 40px 40px; }

/* ---------- Başvuru formu ---------- */
.apply__title { margin: 0 0 8px; font-size: 28px; font-weight: 800; letter-spacing: -.3px; }
.apply__lead { margin: 0 0 22px; color: var(--muted); font-size: 15px; }

.apply__summary-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 8px;
  font-size: 13px;
  font-weight: 700;
  color: var(--muted);
}
.apply__edit {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 36px; /* dokunma alanı */
  padding: 0 4px;
  border: 0;
  border-radius: 8px;
  background: none;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--cyan-600);
}
.apply__edit svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.apply__edit:hover { color: var(--navy-800); }
.apply__edit:focus-visible { outline: 2px solid var(--cyan); outline-offset: 2px; }

.apply__summary {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  margin: 0 0 28px;
  padding: 14px;
  border-radius: var(--radius);
  background: var(--bg-soft);
}
.apply__summary dt { font-size: 11.5px; font-weight: 600; color: var(--muted); }
.apply__summary dd { margin: 2px 0 0; font-size: 15px; font-weight: 800; color: var(--navy-800); }

.fld { margin-bottom: 18px; }
.fld__label { display: block; margin-bottom: 8px; font-size: 14px; font-weight: 700; }
.fld__control {
  display: flex;
  align-items: center;
  height: 54px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  background: #fff;
  transition: border-color .2s, box-shadow .2s;
}
.fld__control:focus-within { border-color: var(--cyan); box-shadow: 0 0 0 4px rgba(0,180,230,.14); }
.fld__control input {
  flex: 1;
  min-width: 0;
  height: 100%;
  padding: 0 16px;
  border: 0;
  border-radius: 12px;
  background: transparent;
  font: inherit;
  font-size: 16px; /* 16px altı iOS'ta odaklanınca yakınlaştırır */
  font-weight: 600;
  letter-spacing: .5px;
  color: var(--ink);
  outline: none;
}
.fld__control input::placeholder { color: #a3a8c3; font-weight: 500; letter-spacing: 0; }
.fld__prefix {
  padding: 0 12px 0 16px;
  border-right: 1px solid var(--line);
  font-weight: 700;
  color: var(--navy-800);
}
.fld.has-error .fld__control { border-color: #d6455d; }
.fld.has-error .fld__control:focus-within { box-shadow: 0 0 0 4px rgba(214,69,93,.14); }
.fld__error { margin: 6px 0 0; font-size: 13px; font-weight: 600; color: #d6455d; }

.consent {
  display: flex;
  gap: 12px;
  margin: 6px 0 0;
  font-size: 13px;
  line-height: 1.55;
  color: var(--muted);
  cursor: pointer;
}
.consent input { flex: none; width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--cyan); cursor: pointer; }
.consent a { color: var(--cyan-600); font-weight: 700; }
#apply-form > .fld__error { margin-left: 32px; }
#apply-form .btn { margin-top: 24px; }
.review__error { margin-top: 16px; text-align: center; } /* özet ekranındaki gönderim hatası */

.apply__loading { --apply-wait: 2500ms; padding: 40px 0 8px; text-align: center; outline: none; }
.apply__loading--long { --apply-wait: 8000ms; } /* Başvuru Yap sonrası değerlendirme */
/* Gönderimden sonra panelde yalnızca bu ekranlar kalır: dikeyde ortala.
   :not([hidden]) şart; yoksa display:flex, hidden özelliğini ezer ve gizli ekran görünür. */
.apply__loading:not([hidden]),
.apply__done:not([hidden]) {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: calc(100vh - 140px);
  min-height: calc(100svh - 140px);
  padding: 0;
}
.apply__done:not([hidden]) .btn { align-self: stretch; }
.apply__spinner {
  display: block;
  width: 64px;
  height: 64px;
  margin: 0 auto 22px;
  border: 5px solid var(--cyan-100);
  border-top-color: var(--cyan);
  border-radius: 50%;
  animation: apply-spin .9s linear infinite;
}
.apply__loading h3 { margin: 0 0 8px; font-size: 22px; font-weight: 800; }
.apply__loading p { margin: 0 0 24px; color: var(--muted); font-size: 15px; }
.apply__progress {
  height: 6px;
  max-width: 260px;
  margin: 0 auto;
  border-radius: 999px;
  background: var(--bg-soft);
  overflow: hidden;
}
.apply__progress span {
  display: block;
  height: 100%;
  width: 0;
  border-radius: inherit;
  background: var(--cyan);
}
.apply__loading.is-running .apply__progress span { animation: apply-fill var(--apply-wait) ease-in-out forwards; }
@keyframes apply-spin { to { transform: rotate(360deg); } }
@keyframes apply-fill { to { width: 100%; } }
/* Yükleme sırasında panel kapatılamaz */
.panel.is-busy .panel__close { opacity: .35; pointer-events: none; }
.panel.is-busy .apply__edit { opacity: .35; pointer-events: none; }

/* Başvuru özeti */
.apply__review .apply__title { outline: none; }
.review__block {
  margin-bottom: 16px;
  padding: 16px 18px 6px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.review__heading {
  margin: 0 0 6px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .6px;
  text-transform: uppercase;
  color: var(--cyan-600);
}
.review__list { margin: 0; }
.review__list div {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 11px 0;
  border-bottom: 1px dashed var(--line);
}
.review__list div:last-child { border-bottom: 0; }
.review__list dt { font-size: 14px; color: var(--muted); }
.review__list dd { margin: 0; font-size: 15px; font-weight: 800; color: var(--navy-800); text-align: right; }
.review__list .is-total dt { font-weight: 700; color: var(--ink); }
.review__list .is-total dd { font-size: 17px; color: var(--cyan-600); }
#apply-final { margin-top: 10px; }

.apply__done { padding: 40px 0 8px; text-align: center; outline: none; }
.apply__done-icon {
  width: 76px; height: 76px;
  margin: 0 auto 20px;
  display: grid; place-items: center;
  border-radius: 50%;
  background: var(--cyan-100);
  color: var(--cyan-600);
}
.apply__done-icon svg { width: 36px; height: 36px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.apply__done h3 { margin: 0 0 8px; font-size: 22px; font-weight: 800; }
.apply__done p { margin: 0 0 26px; color: var(--muted); font-size: 15px; }

/* ---------- Kredi ön onay ekranı ---------- */
/* İçerik fazla: dikeyde ortalamak yerine üstten yerleştir, gerekirse panel kaydırsın */
.apply__done--approved:not([hidden]) { justify-content: flex-start; min-height: 0; padding: 8px 0 4px; }
.apply__done--approved .apply__done-icon {
  width: 72px; height: 72px;
  margin-bottom: 16px;
  box-shadow: 0 0 0 8px rgba(0, 180, 230, .08);
  animation: approved-pop .45s cubic-bezier(.34, 1.56, .64, 1) both;
}
@keyframes approved-pop { from { transform: scale(.6); opacity: 0; } }
.approved__eyebrow {
  margin: 0 0 4px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--cyan-600);
}
.apply__done--approved h3 { margin: 0 0 6px; font-size: 24px; letter-spacing: -.3px; }
.approved__lead { margin: 0 0 22px; color: var(--muted); font-size: 15px; }

.approved__card {
  margin: 0 0 16px;
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
  text-align: left;
  background: #fff;
  box-shadow: 0 18px 40px -26px rgba(11, 15, 46, .4);
}
.approved__brand {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 14px 18px;
  background: var(--navy-800);
}
.approved__brand img { height: 22px; width: auto; }
.approved__brand-sub {
  padding-left: 11px;
  border-left: 1px solid rgba(255, 255, 255, .22);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .3px;
  color: rgba(255, 255, 255, .85);
}
.approved__body { padding: 4px 18px 8px; }

.approved__note {
  margin: 0 0 20px;
  font-size: 12px;
  line-height: 1.65;
  color: var(--muted);
  text-align: left;
}
/* Hesaplamada "Başvurumu Görüntüle" altındaki küçük "Yeni başvuru oluştur" bağlantısı */
.calc__restart {
  display: block;
  width: 100%;
  margin-top: 10px;
  padding: 4px;
  border: 0;
  background: none;
  font: inherit;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
}
.calc__restart[hidden] { display: none; }
.calc__restart:hover { color: var(--navy-800); text-decoration: underline; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .8s ease, transform .8s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
  .apply__progress span { width: 100%; } /* animasyon yok: çubuk dolu görünsün */
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .split { grid-template-columns: minmax(0, 1fr); min-height: 0; }
  .split__text { order: 1; padding: 72px 24px 40px; }
  .split__media { order: 2; min-height: 0; aspect-ratio: 16 / 10; margin: 0 24px; border-radius: var(--radius); }
  .media--offset-top { margin-top: 0; }
  .calc__grid { grid-template-columns: 1fr; }
  .perks { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 767px) {
  .hero__bg { background-image: url("../img/hero-mobile.webp"); background-position: center bottom; }
  .hero__bg::before {
    background: linear-gradient(180deg, rgba(11,15,46,.6) 0%, rgba(11,15,46,.25) 35%, rgba(11,15,46,0) 50%, rgba(11,15,46,0) 70%, rgba(11,15,46,.75) 100%);
  }
}

@media (max-width: 860px) {
  .burger { display: flex; }
  .nav {
    position: fixed;
    top: var(--header-h); left: 0; right: 0; bottom: 0;
    flex-direction: column;
    gap: 0;
    padding: 8px 24px calc(24px + env(safe-area-inset-bottom));
    overflow-y: auto;
    overscroll-behavior: contain;
    background: var(--navy-800);
    transform: translateY(-12px);
    opacity: 0; visibility: hidden;
    transition: opacity .3s, transform .3s, visibility .3s;
  }
  .nav.is-open { opacity: 1; visibility: visible; transform: none; }
  .nav a { padding: 16px 0; font-size: 17px; border-bottom: 1px solid rgba(255,255,255,.08); }
  .nav a::after { display: none; }
  .nav__mobile-only { display: block; color: var(--cyan) !important; }
  .header__inner { padding: 0 16px; }
}

@media (max-width: 600px) {
  :root { --header-h: 60px; }
  html { scroll-padding-top: calc(var(--header-h) + 64px); }
  .container { padding-inline: 16px; }
  .logo img { height: 24px; }
  .logo--footer img { height: 28px; }
  .icon-btn { width: 44px; height: 44px; }

  /* Hero: başlık üstte (gökyüzü), araçlar ortada, butonlar altta (yol) */
  .hero { min-height: 100vh; min-height: 100svh; max-height: 900px; }
  .hero__content {
    flex: 1;
    display: flex;
    flex-direction: column;
    padding-top: calc(var(--header-h) + 28px);
    padding-bottom: calc(24px + env(safe-area-inset-bottom));
  }
  .hero__title { font-size: clamp(32px, 9.5vw, 42px); letter-spacing: -.5px; }
  .hero__lead { font-size: 15px; margin: 12px 0 0; max-width: 320px; }
  .hero__cta { margin-top: auto; flex-wrap: nowrap; gap: 10px; }
  .hero__cta .btn { flex: 1; min-width: 0; height: 48px; padding: 0 12px; font-size: 14px; }
  .hero__bottom { display: none; }

  /* Model sekmeleri */
  .tabs-bar__inner { height: 60px; }
  .tabs-bar__label { display: none; }
  .tabs { display: flex; width: 100%; }
  .tab { flex: 1; min-width: 0; height: 40px; }
  .tabs__indicator { height: 40px; }

  /* Bölümler */
  .split__text { padding: 44px 16px 28px; }
  .split__media { margin: 0 16px; aspect-ratio: 4 / 3; }
  .section-title { font-size: 24px; margin: 14px 0 12px; }
  .section-lead { font-size: 15px; margin-bottom: 22px; }

  /* Tablo → kart */
  .table-wrap { border: 0; border-radius: 0; box-shadow: none; background: none; overflow: visible; }
  .fin-table, .fin-table tbody { display: block; white-space: normal; text-align: left; }
  .fin-table thead { display: none; }
  .fin-table tr {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    grid-template-areas: "ver ver mon" "amt term rate";
    gap: 12px 10px;
    padding: 14px 16px;
    margin-bottom: 10px;
    border: 1px solid var(--line);
    border-radius: 14px;
    background: #fff;
  }
  .fin-table tbody tr:hover { background: #fff; }
  .fin-table td { display: flex; flex-direction: column; padding: 0; border: 0; font-size: 14px; }
  .fin-table td::before {
    content: attr(data-label);
    font-size: 11px;
    font-weight: 600;
    color: var(--muted);
    margin-bottom: 2px;
  }
  .fin-table td.version { grid-area: ver; justify-content: center; font-size: 16px; font-weight: 800; color: var(--navy-800); }
  .fin-table td.version::before { display: none; }
  .fin-table td.monthly { grid-area: mon; text-align: right; font-size: 17px; font-weight: 800; }
  .fin-table td.amount { grid-area: amt; }
  .fin-table td.term { grid-area: term; }
  .fin-table td.rate { grid-area: rate; }
  .fin-table td.version,
  .fin-table td.monthly { padding-bottom: 12px; border-bottom: 1px solid var(--line); }
  .fin-table td.version { margin-right: -10px; } /* sütun boşluğunu kapatıp çizgiyi birleştirir */
  .note-strong { margin-top: 8px; }

  /* Hesaplama */
  .calc { padding: 44px 0; }
  .calc__head { margin-bottom: 18px; }
  .calc__grid { gap: 14px; }
  .calc__form, .calc__result { padding: 18px; border-radius: 14px; }
  .calc__form { gap: 16px; }
  .calc__result { justify-content: flex-start; }
  .calc__result-value { font-size: 26px; margin: 3px 0 14px; }
  .calc__breakdown { margin-bottom: 14px; }
  .field__row output { font-size: 17px; }
  .chips { gap: 6px; }
  .chips button { height: 40px; border-radius: 10px; }

  /* Avantajlar */
  .perks { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; padding-top: 40px; padding-bottom: 40px; }
  .perk { padding: 20px 16px; }
  .perk__icon { width: 44px; height: 44px; border-radius: 12px; margin-bottom: 14px; }
  .perk h3 { font-size: 16px; }
  .perk p { font-size: 13px; }

  /* Yasal */
  .legal { padding-top: 48px; padding-bottom: 64px; }
  .legal p { font-size: 12.5px; }

  /* Footer */
  .footer { padding-top: 44px; }
  .footer__grid { grid-template-columns: 1fr; gap: 0; padding-bottom: 28px; }
  .footer__brand { padding-bottom: 24px; }
  .footer__col { border-top: 1px solid rgba(255,255,255,.12); }
  .footer__col h4 { margin: 0; }
  .footer__col h4 button {
    position: relative;
    padding: 18px 32px 18px 0;
    cursor: pointer;
  }
  .footer__col h4 button::after {
    content: "";
    position: absolute;
    right: 4px; top: 50%;
    width: 9px; height: 9px;
    border-right: 2px solid var(--cyan);
    border-bottom: 2px solid var(--cyan);
    transform: translateY(-70%) rotate(45deg);
    transition: transform .3s;
  }
  .footer__col.is-open h4 button::after { transform: translateY(-30%) rotate(-135deg); }
  .footer__col h4 button:focus-visible { outline: 2px solid var(--cyan); outline-offset: 2px; }
  .footer__links { display: none; padding-bottom: 14px; }
  .footer__col.is-open .footer__links { display: block; }
  .footer__col a { padding: 9px 0; }
  .footer__bottom {
    flex-direction: column;
    text-align: center;
    gap: 16px;
    padding-bottom: calc(28px + env(safe-area-inset-bottom));
  }
  .footer__legal { flex-wrap: wrap; justify-content: center; gap: 8px 18px; }
  .social { gap: 28px; margin-top: 4px; } /* referanstaki gibi: en altta, ortalı */
  .social a { width: 44px; height: 44px; } /* dokunma alanı */

  /* Panel */
  .panel__close { top: 12px; right: 12px; }
  .panel__body { padding: 60px 16px calc(28px + env(safe-area-inset-bottom)); }
  .apply__title { font-size: 24px; }
  .apply__summary { gap: 6px; padding: 12px; }
  .apply__summary dd { font-size: 14px; }
}

@media (max-width: 360px) {
  .perks { grid-template-columns: 1fr; }
  .fin-table tr { gap: 10px 8px; padding: 12px; }
  .fin-table td { font-size: 13px; }
}

/* Hesaplama alanı: çok küçük ekranlarda ekstra kompakt */
@media (max-width: 420px) {
  .calc { padding: 36px 0; }
  .calc__form, .calc__result { padding: 16px 14px; }
  .calc__form { gap: 14px; }
  .calc__result-value { font-size: 23px; }
  .calc__breakdown li { padding: 7px 0; }
  .calc__disclaimer { font-size: 10.5px; }
  .chips button { height: 38px; }

/* Sabit başvuru çubuğu: mobilde metin kısalır, buton tam genişlik almaz */
@media (max-width: 600px) {
  .cta-bar__inner { gap: 12px; padding-block: 10px; padding-bottom: calc(10px + env(safe-area-inset-bottom)); }
  .cta-bar__label { font-size: 10px; letter-spacing: .8px; }
  .cta-bar__title {
    margin-top: 2px;
    font-size: 13px;
    line-height: 1.35;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
  }
  .cta-bar__btn { height: 44px; padding: 0 16px; font-size: 13.5px; }
  .cta-bar__btn .btn__arrow { display: none; }
}

}