@media (max-width: 1024px) {
    .nav-menu {
        gap: 18px;
    }

    .hero-main__inner,
    .about__inner,
    .loans-grid,
    .contact-panel,
    .apply-layout {
        grid-template-columns: 1fr;
    }

    .hero-main__content h1 {
        font-size: 46px;
    }

    .about__text h2 {
        font-size: 34px;
    }

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

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

    .contact-panel--map {
        grid-template-columns: 1fr;
    }

    .contact-panel__right {
        justify-content: flex-start;
    }

    .feature-strip-grid,
    .feature-strip-grid.two-col,
    .document-section__inner,
    .collateral-items-grid {
        grid-template-columns: 1fr 1fr;
    }

    .inner-hero__content h1 {
        font-size: 42px;
    }

    .contact-map-embed {
        min-height: 420px;
    }

    .premise-grid {
        grid-template-columns: 1fr 1fr;
        grid-auto-rows: 220px;
    }

    .premise-card--large {
        grid-column: span 2;
        grid-row: span 1;
    }

    .license-section__inner {
        grid-template-columns: 1fr;
    }

    .license-rate-grid {
        grid-template-columns: 1fr 1fr;
    }

    .license-section__image img {
        min-height: 420px;
    }

    .nav-dropdown__menu {
        position: static;
        box-shadow: none;
        background: transparent;
        opacity: 1;
        visibility: visible;
        transform: none;
        display: none;
        padding: 0;
    }

    .nav-dropdown.is-open .nav-dropdown__menu {
        display: block;
    }

    .nav-dropdown__menu a {
        padding-left: 20px;
    }
}

@media (max-width: 768px) {
    .topbar__inner {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
        padding: 10px 0;
    }

    .topbar__right {
        flex-wrap: wrap;
        gap: 10px;
    }

    .navbar__inner {
        min-height: 72px;
        padding: 12px 0;
        flex-wrap: wrap;
    }

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

    .nav-panel {
        display: none;
        width: 100%;
        margin-top: 14px;
        padding: 16px;
        border-radius: 18px;
        background: #ffffff;
        box-shadow: 0 18px 40px rgba(15, 23, 42, 0.08);
        flex-direction: column;
        align-items: stretch;
        gap: 16px;
    }

    .nav-panel.is-open {
        display: flex;
    }

    .nav-menu {
        flex-direction: column;
        align-items: flex-start;
        gap: 14px;
    }

    .nav-menu a {
        width: 100%;
    }

    .btn-nav {
        width: 100%;
    }

    .hero-main {
        padding: 72px 0 80px;
    }

    .hero-main__content h1 {
        font-size: 36px;
    }

    .hero-main__content p,
    .about__text p,
    .contact-panel__desc,
    .contact-info-list p {
        font-size: 16px;
    }

    .hero-main__image-card img {
        min-height: 280px;
    }

    .services-grid,
    .why-grid,
    .advantages-grid,
    .loans-grid,
    .feature-strip-grid,
    .feature-strip-grid.two-col,
    .document-section__inner,
    .collateral-items-grid,
    .apply-form-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        flex-direction: column;
        align-items: flex-start;
        gap: 20px;
    }

    .footer__inner {
        grid-template-columns: 1fr;
        padding: 50px 0 28px;
    }

    .contact-panel {
        padding: 28px 22px;
    }

    .contact-panel h2 {
        font-size: 32px;
    }

    .contact-map-embed {
        min-height: 320px;
    }

    .loan-card__image img {
        height: 220px;
    }

    .inner-hero {
        padding: 68px 0 76px;
    }

    .inner-hero__content h1 {
        font-size: 34px;
    }

    .inner-hero__content p,
    .document-section__lead {
        font-size: 16px;
    }

    .document-section__image img,
    .collateral-item-card img {
        min-height: 240px;
        height: 240px;
    }

    .apply-form-card {
        padding: 22px;
    }

    .apply-side-card img {
        height: 220px;
    }

    .apply-side-card__body h2 {
        font-size: 26px;
    }

    .cta-section h2 {
        font-size: 32px;
    }

    .premise-grid {
        grid-template-columns: 1fr;
        grid-auto-rows: 220px;
    }

    .premise-card--large {
        grid-column: auto;
    }

    .license-shell {
        border-radius: 22px;
    }

    .license-section__content {
        padding: 34px 24px;
    }

    .license-section__content h2 {
        font-size: 32px;
    }

    .license-rate-grid {
        grid-template-columns: 1fr;
    }

    .license-rate-card strong {
        font-size: 22px;
    }

    .license-section__image img {
        min-height: 280px;
    }

    .nav-dropdown__menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        background: transparent;
        padding: 0;
    }

    .nav-dropdown__menu a {
        padding-left: 10px;
    }
}

@media (max-width: 480px) {
    .container {
        width: min(100% - 24px, 1200px);
    }

    .brand__text {
        font-size: 18px;
    }

    .hero-main__content h1,
    .inner-hero__content h1 {
        font-size: 32px;
    }

    .btn-nav,
    .btn-primary,
    .btn-secondary {
        width: 100%;
    }

    .topbar {
        font-size: 12px;
    }

    .lang-switcher {
        margin-left: 0;
        padding-left: 0;
        border-left: 0;
    }

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

    .section {
        padding: 72px 0;
    }

    .section-header h2,
    .about__text h2,
    .cta-section h2,
    .contact-panel h2 {
        font-size: 28px;
    }

    .contact-panel {
        padding: 22px 18px;
        border-radius: 22px;
    }

    .contact-map-embed {
        min-height: 260px;
        border-radius: 18px;
    }

    .apply-form-card,
    .apply-side-card__body {
        padding: 20px;
    }

    .radio-group {
        flex-direction: column;
        align-items: stretch;
    }

    .radio-pill {
        width: 100%;
    }

    .radio-pill span {
        width: 100%;
        justify-content: center;
    }

    .premise-grid {
        gap: 18px;
        grid-auto-rows: 200px;
    }

    .premise-card {
        border-radius: 18px;
    }

    .premise-card__overlay {
        left: 14px;
        right: 14px;
        bottom: 14px;
    }

    .premise-card__overlay span {
        font-size: 12px;
    }

    .license-section__content {
        padding: 28px 18px;
    }

    .license-section__content h2 {
        font-size: 28px;
    }

    .license-rate-card,
    .license-meta-card {
        padding: 16px;
    }
}