:root{
    --ink:#e8edf0;
    --ink-soft:#95a3aa;
    --paper:#090b0d;
    --paper-alt:#12161a;
    --surface:#161b20;
    --line:rgba(255,255,255,.12);
    --green:#2fa84a;
    --green-dark:#1f7a34;
    --terracotta:#3d82c4;
    --terracotta-dark:#1f4e85;
    --white:#ffffff;
    --shadow: 0 12px 30px rgba(0,0,0,.55);
    --radius: 14px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'Inter',system-ui,sans-serif;
    color:var(--ink);
    background:var(--paper);
    line-height:1.6;
  }
  h1,h2,h3,h4{
    font-family:'Fraunces',serif;
    line-height:1.15;
    margin:0 0 .5em;
    color:var(--green);
    font-weight:600;
  }
  p{margin:0 0 1em;}
  a{color:inherit;}
  img{max-width:100%;display:block;}
  .container{max-width:1140px;margin:0 auto;padding:0 24px;}
  section{padding:80px 0;}
  section[id]{scroll-margin-top:88px;}
  .eyebrow{
    text-transform:uppercase;
    letter-spacing:.14em;
    font-size:.75rem;
    font-weight:700;
    color:var(--terracotta);
    margin-bottom:12px;
    display:block;
  }
  .btn{
    display:inline-flex;
    align-items:center;
    gap:8px;
    padding:14px 26px;
    border-radius:999px;
    font-weight:600;
    font-size:.95rem;
    text-decoration:none;
    border:2px solid transparent;
    cursor:pointer;
    transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
  }
  .btn:hover{transform:translateY(-2px);}
  .btn:disabled{opacity:.35;cursor:not-allowed;transform:none;}
  .btn:disabled:hover{transform:none;}
  .btn-primary{background:var(--terracotta);color:#fff;box-shadow:0 8px 20px rgba(61,130,196,.35);}
  .btn-primary:hover{background:var(--terracotta-dark);}
  .btn-outline{border-color:var(--green);color:var(--green);background:transparent;}
  .btn-outline:hover{background:var(--green);color:#fff;}
  .btn-light{border-color:rgba(255,255,255,.6);color:#fff;background:transparent;}
  .btn-light:hover{background:#fff;color:var(--green-dark);}

  /* Header */
  header{
    position:sticky;top:0;z-index:100;
    background:var(--paper);
    border-bottom:1px solid var(--line);
  }
  .nav-wrap{
    display:flex;align-items:center;justify-content:space-between;
    padding:16px 24px;max-width:1340px;margin:0 auto;
  }
  .brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
  .brand-logo{
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
    background:#fff;border-radius:8px;padding:6px 10px;
  }
  .brand-logo img{height:26px;width:auto;display:block;}
  .brand-text{line-height:1.1;}
  .brand-text strong{display:block;font-family:'Fraunces',serif;font-size:1.05rem;color:var(--green);}
  .brand-text span{display:block;font-size:.72rem;color:var(--ink-soft);letter-spacing:.04em;}
  nav ul{list-style:none;display:flex;gap:22px;margin:0;padding:0;}
  nav a{text-decoration:none;font-weight:600;font-size:.88rem;color:var(--ink);white-space:nowrap;transition:color .15s ease;}
  nav a:hover{color:var(--terracotta);}
  nav a.active{color:var(--green);}
  .nav-cta{display:flex;align-items:center;gap:12px;}
  .nav-toggle{display:none;background:none;border:none;font-size:1.6rem;cursor:pointer;color:var(--terracotta);}
  @media (max-width:1320px){
    nav.primary-nav{
      position:fixed;inset:72px 0 0 0;background:var(--paper);
      transform:translateY(-16px);opacity:0;visibility:hidden;pointer-events:none;
      transition:transform .2s ease, opacity .2s ease, visibility 0s linear .2s;
      padding:24px;overflow-y:auto;
    }
    nav.primary-nav.open{
      transform:translateY(0);opacity:1;visibility:visible;pointer-events:auto;
      transition:transform .2s ease, opacity .2s ease;
    }
    nav.primary-nav ul{flex-direction:column;gap:4px;}
    nav.primary-nav ul li a{display:block;padding:14px 6px;border-bottom:1px solid var(--line);}
    .nav-cta .btn-outline{display:none;}
    .nav-toggle{display:block;}
  }

  /* Hero */
  .hero{
    background:radial-gradient(circle at 15% 20%, rgba(61,130,196,.10), transparent 55%), radial-gradient(circle at 85% 80%, rgba(47,168,74,.08), transparent 55%), var(--paper);
    padding:90px 0 70px;
  }
  .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;}
  @media (max-width:900px){.hero-grid{grid-template-columns:1fr;}}
  .hero h1{font-size:clamp(2.1rem,4vw,3.1rem);}
  .hero-lead{font-size:1.15rem;color:var(--ink-soft);max-width:46ch;}
  .hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px;}
  .credentials-row{
    display:flex;flex-wrap:wrap;gap:10px;margin-top:32px;
  }
  .pill{
    background:var(--surface);border:1px solid var(--line);
    padding:8px 16px;border-radius:999px;font-size:.82rem;font-weight:600;
    color:var(--green);
  }
  .hero-card{
    background:linear-gradient(160deg,#0f2418 0%,#0a0d10 70%);color:#fff;border-radius:var(--radius);
    padding:36px;box-shadow:var(--shadow);border:1px solid var(--line);border-top:4px solid var(--terracotta);
  }
  .hero-card h3{color:#fff;font-size:1.3rem;}
  .hero-card p{color:rgba(255,255,255,.8);}
  .hero-card-profile{display:flex;align-items:center;gap:16px;margin-bottom:14px;}
  .hero-card-photo{
    width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:top center;
    border:2px solid rgba(47,168,74,.4);flex-shrink:0;
  }
  .hero-card-role{color:rgba(255,255,255,.7);font-size:.82rem;margin:0;}
  .hero-card .contact-line{
    display:flex;align-items:center;gap:12px;margin-bottom:14px;font-weight:600;
  }
  .hero-card .contact-line .ico{
    width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.12);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .hero-card a{text-decoration:none;color:#fff;}

  /* Pathways */
  .pathways{background:var(--paper-alt);}
  .grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
  @media (max-width:920px){.grid-4{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:560px){.grid-4{grid-template-columns:1fr;}}
  .path-card{
    background:var(--surface);border-radius:var(--radius);padding:28px 24px;
    border:1px solid var(--line);border-top:4px solid var(--terracotta);transition:transform .15s ease, box-shadow .15s ease;
    text-decoration:none;display:block;
  }
  .path-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);}
  .path-card .num{
    display:inline-flex;width:34px;height:34px;border-radius:50%;
    background:var(--terracotta);color:#fff;align-items:center;justify-content:center;
    font-weight:700;font-size:.9rem;margin-bottom:16px;
  }
  .path-card h3{font-size:1.15rem;margin-bottom:8px;}
  .path-card p{color:var(--ink-soft);font-size:.94rem;margin-bottom:0;}

  /* Connect */
  .connect-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
  @media (max-width:860px){.connect-grid{grid-template-columns:1fr;}}
  .connect-card{
    border:1px solid var(--line);border-top:4px solid var(--terracotta);border-radius:var(--radius);padding:30px;
    background:var(--surface);text-align:left;
  }
  .connect-card .ico-big{
    width:48px;height:48px;border-radius:12px;background:var(--paper-alt);
    display:flex;align-items:center;justify-content:center;margin-bottom:18px;font-size:1.4rem;
  }

  /* Value prop / two-col */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
  @media (max-width:900px){.split{grid-template-columns:1fr;}}
  .stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:24px;}
  @media (max-width:560px){.stat-grid{grid-template-columns:1fr;}}
  .stat-box{background:var(--paper-alt);border-radius:12px;padding:20px;text-align:center;}
  .stat-box strong{display:block;font-family:'Fraunces',serif;font-size:1.6rem;color:var(--green);}
  .stat-box span{font-size:.8rem;color:var(--ink-soft);}

  /* Testimonials placeholder */
  .testimonials{background:linear-gradient(160deg,#0d1a24 0%,#090b0d 70%);color:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .testimonials h2, .testimonials .eyebrow{color:#fff;}
  .testimonials .eyebrow{color:var(--green);}
  .test-note{
    max-width:640px;margin:0 auto;text-align:center;
    background:rgba(255,255,255,.06);border:1px dashed rgba(255,255,255,.35);
    border-radius:var(--radius);padding:36px;
  }
  .test-note p{color:rgba(255,255,255,.85);}

  /* Disciplines */
  .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  @media (max-width:860px){.grid-3{grid-template-columns:1fr;}}
  .grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;}
  @media (max-width:640px){.grid-2{grid-template-columns:1fr;}}
  .discipline-card{
    background:var(--surface);border-radius:var(--radius);padding:32px;border-top:4px solid var(--terracotta);
    border-left:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line);
    box-shadow:var(--shadow);
  }
  .discipline-card ul{padding-left:18px;margin:14px 0 0;color:var(--ink-soft);font-size:.92rem;}
  .discipline-card li{margin-bottom:6px;}

  /* Programs grid */
  .programs{background:var(--paper-alt);}
  .program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
  @media (max-width:860px){.program-grid{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:560px){.program-grid{grid-template-columns:1fr;}}
  .program-cat{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--terracotta);border-radius:var(--radius);padding:24px;}
  .program-cat h4{font-size:1rem;margin-bottom:10px;color:var(--green);}
  .program-cat ul{margin:0;padding-left:18px;color:var(--ink-soft);font-size:.92rem;}
  .program-cat li{margin-bottom:6px;}

  /* Calculator tool */
  .calc-card{
    background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);
    border:1px solid var(--line);
    padding:36px;display:grid;grid-template-columns:1fr 1fr;gap:36px;
  }
  @media (max-width:800px){.calc-card{grid-template-columns:1fr;}}
  .field{margin-bottom:18px;}
  .field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px;color:var(--ink-soft);}
  .field input, .field select{
    width:100%;padding:12px 14px;border-radius:8px;border:1px solid var(--line);
    font-size:1rem;font-family:'Inter',sans-serif;background:var(--paper);color:var(--ink);
  }
  .field input:focus, .field select:focus{outline:none;border-color:var(--terracotta);}
  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
  .loan-type-row{display:flex;flex-wrap:wrap;gap:8px;}
  .loan-type-btn{
    padding:10px 16px;border-radius:999px;border:1px solid var(--line);
    background:var(--paper);color:var(--ink-soft);font-weight:600;font-size:.82rem;
    cursor:pointer;font-family:'Inter',sans-serif;
  }
  .loan-type-btn.active{background:var(--terracotta);border-color:var(--terracotta);color:#fff;}
  .preset-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px;}
  .preset-btn{
    padding:6px 12px;border-radius:8px;border:1px solid var(--line);
    background:var(--paper);color:var(--ink-soft);font-size:.78rem;font-weight:600;
    cursor:pointer;font-family:'Inter',sans-serif;
  }
  .preset-btn.active{border-color:var(--green);color:var(--green);}
  .field-hint{font-size:.78rem;color:var(--ink-soft);margin-top:8px;}
  .field-hint strong{color:var(--ink);}
  .result-breakdown{list-style:none;padding:0;margin:0 0 8px;text-align:left;}
  .result-breakdown li{
    display:flex;justify-content:space-between;gap:10px;padding:8px 0;
    border-bottom:1px solid rgba(255,255,255,.08);font-size:.9rem;color:rgba(255,255,255,.9);
  }
  .result-breakdown li:last-child{border-bottom:none;}
  .summary-block{margin-top:22px;text-align:left;}
  .summary-block h4{
    font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;
    color:rgba(255,255,255,.55);margin-bottom:10px;font-family:'Inter',sans-serif;font-weight:700;
  }
  .summary-row{display:flex;justify-content:space-between;font-size:.86rem;padding:5px 0;color:rgba(255,255,255,.75);}
  .summary-row strong{color:#fff;}
  .calc-disclaimer{font-size:.72rem;color:rgba(255,255,255,.5);margin-top:22px;line-height:1.5;text-align:left;}
  @media (max-width:560px){.two-col{grid-template-columns:1fr;}}

  /* Tools hub */
  .tool-filter-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:32px;}
  .tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
  @media (max-width:920px){.tools-grid{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:600px){.tools-grid{grid-template-columns:1fr;}}
  .tool-card{
    text-align:left;background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--terracotta);border-radius:var(--radius);
    padding:24px;cursor:pointer;display:flex;flex-direction:column;gap:8px;font-family:inherit;
    transition:transform .15s ease, box-shadow .15s ease;
    text-decoration:none;color:inherit;
  }
  .tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--terracotta);}
  .tool-card[hidden]{display:none;}
  .tool-card-tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.08em;color:var(--terracotta);font-weight:700;}
  .tool-card h3{font-size:1.05rem;margin:0;color:var(--green);}
  .tool-card p{font-size:.85rem;color:var(--ink-soft);margin:0;flex:1;}
  .tool-card-cta{font-size:.82rem;font-weight:700;color:var(--green);}

  /* Tools ticker */
  .tools-ticker{
    border-top:1px solid var(--line);border-bottom:1px solid var(--line);
    background:rgba(255,255,255,.02);overflow:hidden;position:relative;
  }
  .tools-ticker::before,.tools-ticker::after{
    content:'';position:absolute;top:0;bottom:0;width:60px;z-index:2;pointer-events:none;
  }
  .tools-ticker::before{left:0;background:linear-gradient(90deg,var(--paper) 0%,transparent 100%);}
  .tools-ticker::after{right:0;background:linear-gradient(270deg,var(--paper) 0%,transparent 100%);}
  .tools-ticker-track{display:flex;width:max-content;animation:ticker-scroll 55s linear infinite;}
  .tools-ticker:hover .tools-ticker-track{animation-play-state:paused;}
  .tools-ticker-group{display:flex;align-items:center;flex-shrink:0;padding:14px 0;}
  .ticker-item{
    display:inline-flex;align-items:center;gap:8px;white-space:nowrap;
    background:none;border:1px solid transparent;border-radius:999px;
    padding:9px 18px;margin:0 4px;font-family:inherit;font-size:.82rem;font-weight:600;
    color:var(--ink-soft);cursor:pointer;transition:color .2s ease,border-color .2s ease,background .2s ease;
    text-decoration:none;
  }
  .ticker-item span{color:var(--green);font-size:.65rem;}
  .ticker-item:hover{color:var(--terracotta);background:rgba(61,130,196,.08);border-color:rgba(61,130,196,.3);}
  @media (prefers-reduced-motion: reduce){
    .tools-ticker-track{animation:none;overflow-x:auto;}
  }
  @media (max-width:640px){
    .ticker-item{padding:8px 14px;font-size:.78rem;}
  }
  @keyframes ticker-scroll{
    from{transform:translateX(0);}
    to{transform:translateX(-50%);}
  }

  /* Tool modal */
  .tool-modal{
    position:fixed;inset:0;z-index:300;display:flex;align-items:center;justify-content:center;padding:20px;
    visibility:hidden;opacity:0;pointer-events:none;transition:opacity .2s ease, visibility 0s linear .2s;
  }
  .tool-modal.open{visibility:visible;opacity:1;pointer-events:auto;transition:opacity .2s ease;}
  .tool-modal-backdrop{position:absolute;inset:0;background:rgba(0,0,0,.75);}
  .tool-modal-panel{
    position:relative;background:var(--paper-alt);border:1px solid var(--line);border-radius:var(--radius);
    max-width:1000px;width:100%;max-height:90vh;overflow-y:auto;box-shadow:0 24px 60px rgba(0,0,0,.6);
  }
  .tool-modal-header{
    position:sticky;top:0;background:var(--paper-alt);border-bottom:1px solid var(--line);
    padding:20px 28px;display:flex;align-items:center;justify-content:space-between;z-index:2;
  }
  .tool-modal-header h3{margin:0;color:var(--green);font-size:1.3rem;}
  .tool-modal-close{
    background:none;border:1px solid var(--line);color:var(--ink);width:36px;height:36px;border-radius:50%;
    font-size:1.3rem;cursor:pointer;line-height:1;flex-shrink:0;
  }
  .tool-modal-close:hover{border-color:var(--terracotta);color:var(--terracotta);}
  .tool-modal-body{padding:28px;}
  .tool-panel[hidden]{display:none;}
  @media (max-width:800px){
    .tool-modal-body > .tool-panel > div[style*="grid-template-columns:1fr 1fr"]{grid-template-columns:1fr !important;}
  }

  /* Scenario cards (Seller Estimate) */
  .scenario-grid{display:grid;grid-template-columns:1fr;gap:16px;margin-top:8px;}
  .scenario-card{
    background:linear-gradient(160deg,#0f2418 0%,#0a0d10 70%);border:1px solid rgba(47,168,74,.3);
    border-radius:12px;padding:20px;text-align:center;
  }
  .scenario-card h5{font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;color:rgba(255,255,255,.6);margin:0 0 6px;}
  .scenario-card .amt{font-family:'Fraunces',serif;font-size:1.6rem;color:var(--green);margin:4px 0;}
  .scenario-card .line{display:flex;justify-content:space-between;font-size:.78rem;color:rgba(255,255,255,.75);padding:3px 0;}

  /* Quiz */
  .quiz-wrap{max-width:640px;margin:0 auto;}
  .quiz-progress{height:6px;background:var(--surface);border-radius:999px;overflow:hidden;margin-bottom:28px;}
  .quiz-progress-bar{height:100%;width:33%;background:linear-gradient(90deg,var(--terracotta),var(--green));transition:width .25s ease;}
  .quiz-step h4{font-size:1.2rem;margin-bottom:16px;}
  .quiz-step .loan-type-row{margin-bottom:8px;}
  .quiz-step .loan-type-btn{padding:14px 20px;}

  /* Ask Jeff AI floating widget */
  .ask-ai-fab{
    position:fixed;right:22px;bottom:22px;z-index:250;
    background:linear-gradient(135deg,var(--terracotta),var(--green));color:#fff;
    padding:14px 22px;border-radius:999px;font-weight:700;font-size:.88rem;text-decoration:none;
    box-shadow:0 10px 30px rgba(0,0,0,.55);display:flex;align-items:center;gap:8px;
    transition:transform .15s ease, box-shadow .15s ease;
    border:none;cursor:pointer;font-family:inherit;
  }
  .ask-ai-fab:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(0,0,0,.65);}
  @media (max-width:560px){
    .ask-ai-fab{padding:12px 16px;font-size:.8rem;right:14px;bottom:14px;}
  }

  /* Ask Jeff AI chat panel */
  .ai-chat-panel{
    position:fixed;right:22px;bottom:90px;z-index:260;
    width:360px;max-width:calc(100vw - 32px);height:480px;max-height:calc(100vh - 140px);
    background:var(--paper-alt);border:1px solid var(--line);border-radius:16px;
    box-shadow:0 20px 50px rgba(0,0,0,.6);
    display:flex;flex-direction:column;overflow:hidden;
    opacity:0;transform:translateY(16px) scale(.98);pointer-events:none;
    transition:opacity .18s ease, transform .18s ease;
  }
  .ai-chat-panel.open{opacity:1;transform:translateY(0) scale(1);pointer-events:auto;}
  .ai-chat-header{
    display:flex;align-items:center;justify-content:space-between;
    padding:16px 18px;border-bottom:1px solid var(--line);
    background:linear-gradient(135deg,rgba(61,130,196,.15),rgba(47,168,74,.15));
  }
  .ai-chat-header strong{display:block;color:var(--ink);font-size:.95rem;}
  .ai-chat-sub{display:block;font-size:.72rem;color:var(--ink-soft);margin-top:2px;}
  .ai-chat-close{
    background:none;border:none;color:var(--ink-soft);font-size:1.3rem;cursor:pointer;
    line-height:1;padding:0 4px;
  }
  .ai-chat-close:hover{color:var(--terracotta);}
  .ai-chat-messages{
    flex:1;overflow-y:auto;padding:16px;display:flex;flex-direction:column;gap:10px;
  }
  .ai-chat-msg{
    font-size:.85rem;line-height:1.5;padding:10px 14px;border-radius:12px;max-width:88%;
    white-space:pre-wrap;word-wrap:break-word;
  }
  .ai-chat-msg-bot{background:var(--surface);color:var(--ink);align-self:flex-start;border:1px solid var(--line);}
  .ai-chat-msg-user{background:var(--terracotta);color:#fff;align-self:flex-end;}
  .ai-chat-input-row{
    display:flex;gap:8px;padding:12px 14px;border-top:1px solid var(--line);
  }
  .ai-chat-input-row input{
    flex:1;background:var(--surface);border:1px solid var(--line);border-radius:999px;
    padding:10px 16px;color:var(--ink);font-family:inherit;font-size:.85rem;
  }
  .ai-chat-input-row input:focus{outline:none;border-color:var(--terracotta);}
  .ai-chat-input-row .btn{padding:10px 18px;font-size:.82rem;}
  .ai-chat-disclaimer{
    font-size:.68rem;color:var(--ink-soft);padding:0 16px 14px;text-align:center;
  }
  .ai-chat-disclaimer a{color:var(--terracotta);}
  .ai-chat-chips{
    display:flex;flex-wrap:wrap;gap:6px;padding:0 16px 4px;
  }
  .ai-chat-chip{
    background:var(--surface);border:1px solid var(--line);color:var(--ink);
    font-family:inherit;font-size:.72rem;font-weight:600;padding:6px 12px;
    border-radius:999px;cursor:pointer;transition:background .15s ease,border-color .15s ease;
  }
  .ai-chat-chip:hover{border-color:var(--terracotta);}
  .ai-chat-chip.active{background:var(--terracotta);border-color:var(--terracotta);color:#fff;}
  .ai-chat-suggestions{
    display:flex;flex-direction:column;gap:6px;padding:0 16px 12px;align-self:flex-start;max-width:100%;
  }
  .ai-chat-suggestion-btn{
    background:var(--surface);border:1px solid var(--line);color:var(--ink);text-align:left;
    font-family:inherit;font-size:.8rem;padding:8px 12px;border-radius:10px;cursor:pointer;
    transition:border-color .15s ease;
  }
  .ai-chat-suggestion-btn:hover{border-color:var(--terracotta);}
  .ai-chat-msg-bot .ai-chat-cta{
    display:inline-block;margin-top:8px;font-size:.78rem;font-weight:700;
    color:#fff;background:var(--terracotta);padding:6px 12px;border-radius:999px;text-decoration:none;
  }
  @media (max-width:560px){
    .ai-chat-panel{right:14px;bottom:80px;width:calc(100vw - 28px);}
  }
  .result-box{
    background:linear-gradient(160deg,#0f2418 0%,#0a0d10 70%);color:#fff;border-radius:12px;padding:28px;text-align:center;border:1px solid rgba(47,168,74,.35);
    align-self:start;
  }
  .result-box .amount{font-family:'Fraunces',serif;font-size:2.4rem;margin:8px 0;color:var(--green);}
  .result-box .subtext{font-size:.82rem;color:rgba(255,255,255,.75);}

  /* Process */
  .process-list{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:step;}
  @media (max-width:900px){.process-list{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:560px){.process-list{grid-template-columns:1fr;}}
  .process-step{position:relative;padding-top:8px;}
  .process-step .step-num{
    font-family:'Fraunces',serif;font-size:2rem;color:var(--terracotta);opacity:.75;margin-bottom:8px;
  }
  .process-step h4{font-size:1rem;margin-bottom:6px;}
  .process-step p{font-size:.88rem;color:var(--ink-soft);margin-bottom:0;}

  /* Contact */
  .contact-section{background:var(--paper-alt);}
  .contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;}
  @media (max-width:900px){.contact-grid{grid-template-columns:1fr;}}
  .contact-info-list{list-style:none;padding:0;margin:24px 0 0;}
  .contact-info-list li{
    display:flex;gap:14px;align-items:flex-start;margin-bottom:18px;font-weight:600;
  }
  .contact-info-list .ico{
    width:38px;height:38px;border-radius:10px;background:var(--surface);border:1px solid var(--line);
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .contact-info-list span.label{display:block;font-size:.78rem;font-weight:500;color:var(--ink-soft);}
  form.contact-form{background:var(--surface);border-radius:var(--radius);padding:32px;border:1px solid var(--line);}
  form.contact-form .field input, form.contact-form .field textarea, form.contact-form .field select{
    width:100%;padding:12px 14px;border-radius:8px;border:1px solid var(--line);font-family:'Inter',sans-serif;font-size:.95rem;background:var(--paper);color:var(--ink);
  }
  form.contact-form .field input:focus, form.contact-form .field textarea:focus, form.contact-form .field select:focus{outline:none;border-color:var(--terracotta);}
  form.contact-form textarea{min-height:110px;resize:vertical;}
  .hp-field{position:absolute;left:-9999px;top:-9999px;width:1px;height:1px;overflow:hidden;}
  .form-status{
    border-radius:var(--radius);padding:16px 20px;margin-bottom:20px;font-size:.92rem;
  }
  .form-status-success{background:rgba(47,168,74,.12);border:1px solid rgba(47,168,74,.4);color:var(--green);}
  .form-status-error{background:rgba(61,130,196,.12);border:1px solid rgba(61,130,196,.4);color:var(--ink);}
  .form-status-error a{color:var(--terracotta);}

  /* Footer */
  footer{background:#06080a;color:rgba(255,255,255,.78);padding:56px 0 28px;font-size:.9rem;border-top:1px solid var(--line);}
  .footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:36px;}
  @media (max-width:800px){.footer-grid{grid-template-columns:1fr;}}
  footer h4{color:#fff;font-family:'Inter',sans-serif;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px;}
  footer ul{list-style:none;padding:0;margin:0;}
  footer li{margin-bottom:10px;}
  footer a{text-decoration:none;color:rgba(255,255,255,.78);}
  footer a:hover{color:#fff;}
  .footer-bottom{
    border-top:1px solid rgba(255,255,255,.15);padding-top:24px;
    display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;
    font-size:.8rem;color:rgba(255,255,255,.55);
  }
  .footer-badges{display:flex;gap:10px;flex-wrap:wrap;}
  .footer-badges span{
    border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:999px;
  }
  .disclaimer{max-width:900px;margin:0 auto 24px;text-align:left;font-size:.76rem;line-height:1.6;color:rgba(255,255,255,.5);}

  .section-head{max-width:640px;margin:0 auto 48px;text-align:center;}
  .section-head.left{margin-left:0;text-align:left;}