/* ============================================================
   ANIL GUPTA MORTGAGE — EDITORIAL LUXURY DESIGN SYSTEM
   Canvas: #FDFBF7 | Accent: #1B4332 | Text: #1a1a1a
   Fonts: Instrument Serif + Space Grotesk
   ============================================================ */

/* ── RESET & BASE ─────────────────────────────────────────── */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  /* Canvas */
  --canvas: #FDFBF7;
  --canvas-alt: #F5F0E8;
  --canvas-dark: #1a1a1a;

  /* Accent — Deep Forest Green (financial trust) */
  --accent: #1B4332;
  --accent-light: #2D6A4F;
  --accent-muted: #40916C;
  --accent-pale: #D8F3DC;

  /* Gold — premium highlight */
  --gold: #B8860B;
  --gold-light: #DAA520;

  /* Text */
  --text: #1a1a1a;
  --text-muted: #555;
  --text-light: #888;
  --text-inverse: #FDFBF7;

  /* Borders & Shadows */
  --border: rgba(26,26,26,0.08);
  --border-strong: rgba(26,26,26,0.15);
  --shadow-subtle: 0 1px 3px rgba(0,0,0,0.04);
  --shadow-card: 0 2px 8px rgba(0,0,0,0.06), 0 0 0 1px var(--border);
  --shadow-elevated: 0 8px 32px rgba(0,0,0,0.08), 0 0 0 1px var(--border);

  /* Spacing */
  --section-pad: clamp(3.5rem, 8vw, 7rem);
  --container: min(90%, 1200px);

  /* Transitions */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --dur: 0.5s;
}

/* ── DARK MODE OVERRIDES ──────────────────────────────────── */
[data-theme="dark"] {
  --canvas: #0f1117;
  --canvas-alt: #161922;
  --canvas-dark: #0a0c10;

  --accent: #3DA670;
  --accent-light: #4CBB84;
  --accent-muted: #56C88F;
  --accent-pale: rgba(61,166,112,0.12);

  --gold: #D4A843;
  --gold-light: #E0B955;

  --text: #E8E6E1;
  --text-muted: #9A968E;
  --text-light: #6B675F;
  --text-inverse: #0f1117;

  --border: rgba(255,255,255,0.06);
  --border-strong: rgba(255,255,255,0.12);
  --shadow-subtle: 0 1px 3px rgba(0,0,0,0.2);
  --shadow-card: 0 2px 8px rgba(0,0,0,0.25), 0 0 0 1px var(--border);
  --shadow-elevated: 0 8px 32px rgba(0,0,0,0.35), 0 0 0 1px var(--border);
}

[data-theme="dark"] body {
  background: var(--canvas);
  color: var(--text);
}

/* Nav in dark mode */
[data-theme="dark"] .nav {
  background: rgba(15, 17, 23, 0.92);
}

/* White cards → dark surface */
[data-theme="dark"] .hero-stats-card,
[data-theme="dark"] .bento-card:not(.featured),
[data-theme="dark"] .calc-inputs,
[data-theme="dark"] .rates-table,
[data-theme="dark"] .why-card,
[data-theme="dark"] .testimonial-card,
[data-theme="dark"] .form-card,
[data-theme="dark"] .faq-item,
[data-theme="dark"] .news-card {
  background: #1a1d27;
  border-color: var(--border);
}

/* Form inputs in dark mode */
[data-theme="dark"] .calc-field input[type="number"],
[data-theme="dark"] .calc-field input[type="text"],
[data-theme="dark"] .calc-field select,
[data-theme="dark"] .form-group input,
[data-theme="dark"] .form-group select,
[data-theme="dark"] .form-group textarea {
  background: #12141b;
  color: var(--text);
  border-color: var(--border-strong);
}

/* Comparison card adjustments */
[data-theme="dark"] .comparison-card.bank {
  background: rgba(229, 62, 62, 0.08);
  border-color: rgba(229, 62, 62, 0.2);
}

[data-theme="dark"] .comparison-card.broker {
  background: rgba(61,166,112,0.08);
  border-color: var(--accent);
}

[data-theme="dark"] .comparison-vs span {
  background: var(--canvas);
  border-color: var(--border-strong);
  color: var(--text-muted);
}

/* Section-dark stays similar since it's already dark */
[data-theme="dark"] .section-dark {
  background: #0a0c10;
}

/* Section-alt */
[data-theme="dark"] .section-alt {
  background: var(--canvas-alt);
}

/* Rates table header */
[data-theme="dark"] .rates-table thead th {
  background: var(--accent);
  color: #0f1117;
}

[data-theme="dark"] .rates-table tbody tr:hover {
  background: rgba(255,255,255,0.03);
}

[data-theme="dark"] .rates-table .rate-savings {
  background: rgba(61,166,112,0.15);
}

/* Form trust items */
[data-theme="dark"] .form-trust-item {
  background: #12141b;
}

[data-theme="dark"] .form-trust-item .form-trust-icon {
  background: rgba(61,166,112,0.12);
}

/* Hero radial gradient */
[data-theme="dark"] .hero::after {
  background: radial-gradient(ellipse at center, rgba(61,166,112,0.08) 0%, transparent 70%);
}

/* Hero badge */
[data-theme="dark"] .hero-badge {
  background: rgba(61,166,112,0.1);
  color: var(--accent);
}

/* Calc CTA button */
[data-theme="dark"] .calc-cta {
  background: var(--text);
  color: var(--accent);
}
[data-theme="dark"] .calc-cta:hover {
  background: #E8E6E1;
}

/* Best value row */
[data-theme="dark"] .rates-table .best-value td {
  background: rgba(61,166,112,0.06);
}

/* Section dark overrides keep working */
[data-theme="dark"] .govt-benefits-banner {
  background: #0a0c10;
}

[data-theme="dark"] .newsletter-section {
  background: #0a0c10;
}

[data-theme="dark"] .footer {
  background: #0a0c10;
}

/* Mobile nav panel */
[data-theme="dark"] .mobile-nav-panel {
  background: #1a1d27;
}

/* Range slider track in dark */
[data-theme="dark"] .calc-field input[type="range"] {
  background: var(--border-strong);
}

/* Smooth transition between themes */
body,
.nav,
.hero-stats-card,
.bento-card,
.calc-inputs,
.rates-table,
.why-card,
.testimonial-card,
.form-card,
.faq-item,
.news-card,
.comparison-card,
.form-trust-item,
.mobile-nav-panel,
.footer {
  transition: background-color 0.35s ease, color 0.35s ease, border-color 0.35s ease;
}

/* ── THEME TOGGLE BUTTON ─────────────────────────────────── */
.theme-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--canvas-alt);
  border: 1px solid var(--border-strong);
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}

.theme-toggle:hover {
  background: var(--accent-pale);
  color: var(--accent);
  border-color: var(--accent);
  transform: scale(1.05);
}

.theme-toggle svg {
  width: 18px;
  height: 18px;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.3s;
}

.theme-toggle .icon-sun,
.theme-toggle .icon-moon {
  position: absolute;
}

/* Light mode: show moon (to switch to dark) */
.theme-toggle .icon-moon { opacity: 1; transform: rotate(0deg) scale(1); }
.theme-toggle .icon-sun { opacity: 0; transform: rotate(-90deg) scale(0.5); }

/* Dark mode: show sun (to switch to light) */
[data-theme="dark"] .theme-toggle .icon-moon { opacity: 0; transform: rotate(90deg) scale(0.5); }
[data-theme="dark"] .theme-toggle .icon-sun { opacity: 1; transform: rotate(0deg) scale(1); }

[data-theme="dark"] .theme-toggle {
  background: #1a1d27;
  border-color: var(--border-strong);
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: 'Space Grotesk', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--canvas);
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; font-size: inherit; }

/* ── TYPOGRAPHY ───────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Instrument Serif', Georgia, serif;
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--text);
}

h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.8rem); }
h4 { font-size: clamp(1.1rem, 1.8vw, 1.3rem); }

.eyebrow {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.eyebrow::before {
  content: '';
  width: 2rem;
  height: 1px;
  background: var(--accent);
}

.subtitle {
  font-size: clamp(1rem, 1.5vw, 1.15rem);
  color: var(--text-muted);
  max-width: 540px;
  line-height: 1.7;
}

/* ── COMPLIANCE BAR ───────────────────────────────────────── */
.compliance-bar {
  background: var(--accent);
  color: var(--text-inverse);
  text-align: center;
  padding: 0.5rem 1rem;
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  font-weight: 500;
}

.compliance-bar a {
  color: var(--accent-pale);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ── NAVIGATION ───────────────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(253, 251, 247, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}

.nav.scrolled {
  box-shadow: 0 2px 20px rgba(0,0,0,0.06);
}

.nav-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.nav-logo-icon {
  width: 36px;
  height: 36px;
  background: var(--accent);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: 'Instrument Serif', serif;
  font-size: 1.1rem;
}

.nav-logo-text {
  font-family: 'Instrument Serif', serif;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}

.nav-logo-text span {
  display: block;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: -2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.2rem;
}

.nav-links a {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.3s;
  white-space: nowrap;
}

.nav-links a:hover { color: var(--accent); }

.nav-cta {
  background: var(--accent) !important;
  color: var(--text-inverse) !important;
  padding: 0.6rem 1.4rem !important;
  border-radius: 6px;
  font-weight: 600 !important;
  font-size: 0.8rem !important;
  transition: background 0.3s, transform 0.2s !important;
}

.nav-cta:hover {
  background: var(--accent-light) !important;
  transform: translateY(-1px);
}

.nav-book {
  background: var(--accent) !important;
  color: var(--text-inverse) !important;
  padding: 0.5rem 1rem !important;
  border-radius: 50px;
  font-weight: 600 !important;
  font-size: 0.78rem !important;
  transition: background 0.3s, transform 0.2s, box-shadow 0.3s !important;
  white-space: nowrap;
}

.nav-book:hover {
  background: var(--accent-light) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(var(--accent-rgb, 0,0,0), 0.3);
}

.mobile-book {
  background: var(--accent) !important;
  color: var(--text-inverse) !important;
  padding: 0.9rem 1.4rem !important;
  border-radius: 8px;
  font-weight: 600 !important;
  text-align: center;
  margin-top: 0.5rem;
}

.nav-mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.nav-mobile-toggle span {
  width: 22px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

/* ── BTN SYSTEM ───────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.02em;
  transition: all 0.3s var(--ease);
  white-space: nowrap;
}

.btn-primary {
  background: var(--accent);
  color: var(--text-inverse);
}

.btn-primary:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(27,67,50,0.25);
}

.btn-secondary {
  background: transparent;
  color: var(--accent);
  border: 1.5px solid var(--accent);
}

.btn-secondary:hover {
  background: var(--accent);
  color: var(--text-inverse);
  transform: translateY(-2px);
}

.btn-gold {
  background: var(--gold);
  color: white;
}

.btn-gold:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(184,134,11,0.3);
}

.btn-phone {
  background: var(--canvas);
  color: var(--accent);
  border: 1.5px solid var(--border-strong);
}

.btn-phone:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
}

/* ── SECTION WRAPPER ──────────────────────────────────────── */
.section {
  padding: var(--section-pad) 0;
}

.section-alt { background: var(--canvas-alt); }
.section-dark { background: var(--canvas-dark); color: var(--text-inverse); }
.section-dark h2, .section-dark h3, .section-dark h4 { color: var(--text-inverse); }
.section-dark .eyebrow { color: var(--accent-pale); }
.section-dark .eyebrow::before { background: var(--accent-pale); }
.section-dark .subtitle { color: rgba(253,251,247,0.65); }

/* ── SECTION BACKGROUND IMAGES ───────────────────────────── */
.section-with-bg {
  position: relative;
  overflow: hidden;
}

.section-with-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
}

.section-with-bg > .container {
  position: relative;
  z-index: 1;
}

/* Services section — document signing background */
#services.section-with-bg::before {
  background-image: url('images/services-background.png');
  opacity: 0.10;
}

[data-theme="dark"] #services.section-with-bg::before {
  opacity: 0.07;
}

/* Testimonials section — mortgage flatlay background */
#testimonials.section-with-bg::before {
  background-image: url('images/testimonials-background.png');
  opacity: 0.10;
}

[data-theme="dark"] #testimonials.section-with-bg::before {
  opacity: 0.07;
}

/* Pre-Approval section — approval letter background */
#pre-approval.section-with-bg::before {
  background-image: url('images/preapproval-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #pre-approval.section-with-bg::before {
  opacity: 0.07;
}

/* Calculator section — financial desk background */
#calculator.section-with-bg::before {
  background-image: url('images/calculator-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #calculator.section-with-bg::before {
  opacity: 0.07;
}

/* Contact section — broker office background */
#contact.section-with-bg::before {
  background-image: url('images/contact-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #contact.section-with-bg::before {
  opacity: 0.07;
}

/* FAQ section — mortgage planning flat-lay background */
#faq.section-with-bg::before {
  background-image: url('images/faq-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #faq.section-with-bg::before {
  opacity: 0.07;
}

/* Bank vs Broker section — bank exterior vs advisor office */
#comparison.section-with-bg::before {
  background-image: url('images/bankvsbroker-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #comparison.section-with-bg::before {
  opacity: 0.07;
}

/* Why Choose Anil section — handshake with couple */
#why.section-with-bg::before {
  background-image: url('images/whychoose-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #why.section-with-bg::before {
  opacity: 0.07;
}

/* Referral section — happy couples with SOLD sign */
#referral.section-with-bg::before {
  background-image: url('images/referral-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #referral.section-with-bg::before {
  opacity: 0.07;
}

/* News section — real estate newspaper */
#news.section-with-bg::before {
  background-image: url('images/news-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #news.section-with-bg::before {
  opacity: 0.07;
}

/* Newsletter section — smartphone with rate alerts */
#newsletter.section-with-bg::before {
  background-image: url('images/newsletter-bg.png');
  opacity: 0.10;
}

[data-theme="dark"] #newsletter.section-with-bg::before {
  opacity: 0.07;
}

.container {
  width: var(--container);
  margin: 0 auto;
  padding: 0 5%;
}

.section-header {
  max-width: 640px;
  margin-bottom: 3.5rem;
}

.section-header.centered {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.section-header.centered .subtitle { margin: 0.75rem auto 0; }
.section-header.centered .eyebrow { justify-content: center; }
.section-header.centered .eyebrow::before { display: none; }

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(4rem, 8vw, 7rem);
  position: relative;
  overflow: hidden;
  background: url('images/hero-background.png') center center / cover no-repeat;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg,
    rgba(253, 251, 247, 0.92) 0%,
    rgba(253, 251, 247, 0.85) 50%,
    rgba(253, 251, 247, 0.75) 100%);
  z-index: 0;
}

[data-theme="dark"] .hero::before {
  background: linear-gradient(135deg,
    rgba(26, 29, 27, 0.93) 0%,
    rgba(26, 29, 27, 0.87) 50%,
    rgba(26, 29, 27, 0.80) 100%);
}

.hero > .container {
  position: relative;
  z-index: 1;
}

.hero::after {
  content: '';
  position: absolute;
  right: -10%;
  top: -20%;
  width: 60%;
  height: 140%;
  background: radial-gradient(ellipse at center, var(--accent-pale) 0%, transparent 70%);
  opacity: 0.25;
  pointer-events: none;
  z-index: 1;
  animation: heroGlow 8s ease-in-out infinite alternate;
}

@keyframes heroGlow {
  0%   { transform: translate(0, 0) scale(1); opacity: 0.2; }
  100% { transform: translate(-3%, 3%) scale(1.05); opacity: 0.35; }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--accent-pale);
  color: var(--accent);
  padding: 0.4rem 1rem;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}

.hero-badge svg { width: 14px; height: 14px; }

.hero h1 {
  margin-bottom: 1.25rem;
}

.hero h1 em {
  font-style: normal;
  color: var(--accent);
}

.hero-subtitle {
  font-size: clamp(1rem, 1.4vw, 1.15rem);
  color: var(--text-muted);
  max-width: 480px;
  margin-bottom: 2rem;
  line-height: 1.7;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--accent);
  flex-shrink: 0;
}

/* Hero right — stats card */
.hero-right {
  position: relative;
}

.hero-stats-card {
  background: white;
  border-radius: 16px;
  padding: 2.5rem;
  box-shadow: var(--shadow-elevated);
  border: 1px solid var(--border);
}

.hero-stats-card .rating-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--border);
}

.rating-number {
  font-family: 'Instrument Serif', serif;
  font-size: 3rem;
  color: var(--accent);
  line-height: 1;
}

.rating-stars { color: var(--gold); font-size: 1.1rem; }
.rating-label { font-size: 0.8rem; color: var(--text-muted); }

.hero-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

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

.hero-stat-value {
  font-family: 'Instrument Serif', serif;
  font-size: 2rem;
  color: var(--accent);
  line-height: 1.2;
}

.hero-stat-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

/* ── ABOUT ME ─────────────────────────────────────────────── */
.about-me-grid {
  display: grid;
  grid-template-columns: 400px 1fr;
  gap: 4rem;
  align-items: start;
}

.about-me-portrait {
  position: relative;
}

.about-portrait-frame {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.12);
}

.about-portrait-frame img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

.about-portrait-accent {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
}

.about-portrait-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--surface);
  border: 2px solid var(--border);
  border-radius: 0.75rem;
  padding: 0.75rem 1.25rem;
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  z-index: 2;
}

.about-portrait-badge .badge-icon {
  font-size: 1.5rem;
}

.about-portrait-badge .badge-text {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.3;
}

.about-portrait-badge .badge-text strong {
  color: var(--text);
  display: block;
}

.about-me-content {
  padding-top: 0.5rem;
}

.about-me-content .section-title {
  text-align: left;
  margin-bottom: 1.5rem;
}

.about-me-content .section-title em {
  color: var(--accent);
  font-style: italic;
}

.about-lead {
  font-size: 1.05rem;
  line-height: 1.8;
  color: var(--text);
  margin-bottom: 1rem;
}

.about-me-content p {
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.about-credentials {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 2rem 0;
}

.credential-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 1rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 0.75rem;
  transition: border-color 0.3s, box-shadow 0.3s;
}

.credential-item:hover {
  border-color: var(--accent);
  box-shadow: 0 4px 12px rgba(42, 87, 60, 0.08);
}

.credential-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(42, 87, 60, 0.08);
  border-radius: 0.5rem;
  color: var(--accent);
}

.credential-item strong {
  display: block;
  font-size: 0.9rem;
  color: var(--text);
  margin-bottom: 0.15rem;
}

.credential-item span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.about-quote {
  position: relative;
  margin: 2rem 0;
  padding: 1.5rem 1.5rem 1.5rem 2rem;
  background: linear-gradient(135deg, rgba(42, 87, 60, 0.04), rgba(42, 87, 60, 0.02));
  border-left: 4px solid var(--accent);
  border-radius: 0 0.75rem 0.75rem 0;
  font-family: 'Instrument Serif', serif;
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--text);
  font-style: italic;
}

.about-quote em {
  color: var(--accent);
  font-weight: 600;
}

.about-cta-row {
  display: flex;
  gap: 1rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

@media (max-width: 1024px) {
  .about-me-grid {
    grid-template-columns: 320px 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .about-me-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .about-me-portrait {
    max-width: 340px;
    margin: 0 auto;
  }

  .about-portrait-badge {
    right: -10px;
    bottom: -15px;
  }

  .about-me-content .section-title {
    text-align: center;
  }

  .about-me-content .eyebrow {
    text-align: center;
    display: block;
  }

  .about-credentials {
    grid-template-columns: 1fr;
  }

  .about-cta-row {
    flex-direction: column;
    align-items: stretch;
  }

  .about-cta-row .btn {
    text-align: center;
    justify-content: center;
  }
}

/* ── PROBLEM / COMPARISON ─────────────────────────────────── */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 80px 1fr;
  gap: 0;
  align-items: stretch;
  max-width: 900px;
  margin: 0 auto;
}

.comparison-card {
  padding: 2.5rem;
  border-radius: 16px;
}

.comparison-card.bank {
  background: #FFF5F5;
  border: 1px solid #FED7D7;
}

.comparison-card.broker {
  background: var(--accent-pale);
  border: 2px solid var(--accent);
  position: relative;
}

.comparison-card.broker::before {
  content: 'RECOMMENDED';
  position: absolute;
  top: -11px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: white;
  padding: 0.2rem 0.8rem;
  border-radius: 100px;
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.1em;
}

.comparison-vs {
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
}

.comparison-vs span {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--canvas);
  border: 2px solid var(--border-strong);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.75rem;
  color: var(--text-muted);
}

.comparison-card h3 {
  margin-bottom: 0.5rem;
}

.comparison-rate {
  font-family: 'Instrument Serif', serif;
  font-size: 2.8rem;
  line-height: 1;
  margin: 1rem 0;
}

.comparison-card.bank .comparison-rate { color: #E53E3E; }
.comparison-card.broker .comparison-rate { color: var(--accent); }

.comparison-detail {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}

.comparison-list {
  margin-top: 1.5rem;
}

.comparison-list li {
  padding: 0.4rem 0;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.comparison-list li svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

.comparison-card.bank .comparison-list li svg { color: #E53E3E; }
.comparison-card.broker .comparison-list li svg { color: var(--accent); }

.savings-banner {
  background: var(--accent);
  color: white;
  border-radius: 12px;
  padding: 1.5rem 2rem;
  text-align: center;
  margin-top: 3rem;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.savings-banner-number {
  font-family: 'Instrument Serif', serif;
  font-size: 2rem;
}

.savings-banner p {
  font-size: 0.85rem;
  opacity: 0.8;
  margin-top: 0.25rem;
}

/* ── PRE-APPROVAL SECTION ────────────────────────────────── */
.preapproval-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin: 3rem 0;
}

.preapproval-step {
  flex: 1;
  max-width: 320px;
  text-align: center;
  padding: 2rem 1.5rem;
  position: relative;
}

.step-number {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent);
  color: white;
  font-family: var(--ff-serif);
  font-size: 1.125rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  box-shadow: 0 4px 14px rgba(61,166,112,0.25);
}

.step-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 1.25rem;
  background: var(--accent-pale);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-icon svg {
  width: 28px;
  height: 28px;
  stroke: var(--accent);
}

.preapproval-step h4 {
  font-family: var(--ff-serif);
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--heading);
}

.preapproval-step p {
  font-size: 0.925rem;
  color: var(--body);
  line-height: 1.6;
  opacity: 0.8;
}

.step-connector {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 3.5rem;
  opacity: 0.3;
}

.step-connector svg {
  width: 24px;
  height: 24px;
  stroke: var(--accent);
}

/* Benefits Grid */
.preapproval-benefits {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin: 2rem 0 3rem;
}

.benefit-card {
  background: var(--card-bg);
  border: 1px solid var(--border-light);
  border-radius: 16px;
  padding: 1.75rem 1.5rem;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.08);
}

.benefit-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 1rem;
  background: var(--accent-pale);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.benefit-icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--accent);
}

.benefit-card strong {
  display: block;
  font-family: var(--ff-serif);
  font-size: 1.05rem;
  color: var(--heading);
  margin-bottom: 0.5rem;
}

.benefit-card p {
  font-size: 0.875rem;
  color: var(--body);
  line-height: 1.55;
  opacity: 0.8;
  margin: 0;
}

/* CTA Banner */
.preapproval-cta {
  background: var(--canvas-dark);
  border-radius: 20px;
  padding: 3rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.preapproval-cta-content h3 {
  font-family: var(--ff-serif);
  font-size: 1.75rem;
  color: var(--text-inverse);
  margin-bottom: 0.5rem;
}

.preapproval-cta-content p {
  color: rgba(253,251,247,0.7);
  font-size: 1rem;
  margin: 0;
}

.preapproval-cta-actions {
  display: flex;
  gap: 1rem;
  flex-shrink: 0;
}

.preapproval-cta-actions .btn svg {
  width: 18px;
  height: 18px;
  margin-right: 0.5rem;
  vertical-align: -3px;
}

.preapproval-cta-actions .btn-outline {
  color: var(--text-inverse);
  border-color: rgba(253,251,247,0.4);
}

.preapproval-cta-actions .btn-outline:hover {
  background: rgba(253,251,247,0.1);
  border-color: rgba(253,251,247,0.7);
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: 1rem;
}

/* Pre-Approval Responsive */
@media (max-width: 900px) {
  .preapproval-steps {
    flex-direction: column;
    align-items: center;
  }

  .step-connector {
    padding-top: 0;
    transform: rotate(90deg);
    margin: -0.5rem 0;
  }

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

  .preapproval-cta {
    flex-direction: column;
    text-align: center;
    padding: 2rem;
  }

  .preapproval-cta-actions {
    flex-direction: column;
    width: 100%;
  }

  .preapproval-cta-actions .btn {
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 600px) {
  .preapproval-benefits {
    grid-template-columns: 1fr;
  }
}

/* ── SERVICES BENTO ───────────────────────────────────────── */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.bento-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 2rem;
  transition: all 0.4s var(--ease);
  position: relative;
  overflow: hidden;
}

.bento-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}

.bento-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-elevated);
}

.bento-card:hover::after {
  transform: scaleX(1);
}

.bento-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--accent-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--accent);
  font-size: 1.2rem;
}

.bento-card h4 { margin-bottom: 0.5rem; }

.bento-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.bento-card.featured {
  grid-column: span 2;
  background: var(--accent);
  color: white;
  border-color: var(--accent);
}

.bento-card.featured h4 { color: white; }
.bento-card.featured p { color: rgba(255,255,255,0.75); }
.bento-card.featured .bento-icon { background: rgba(255,255,255,0.15); color: white; }
.bento-card.featured::after { background: var(--gold); }

/* ── CALCULATOR ───────────────────────────────────────────── */
.calc-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

.calc-inputs {
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 2.5rem;
}

.calc-field {
  margin-bottom: 1.75rem;
}

.calc-field label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}

.calc-field-row {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.calc-field input[type="number"],
.calc-field input[type="text"],
.calc-field select {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--border-strong);
  border-radius: 8px;
  font-size: 1rem;
  color: var(--text);
  background: var(--canvas);
  transition: border-color 0.3s;
}

.calc-field input:focus,
.calc-field select:focus {
  outline: none;
  border-color: var(--accent);
}

.calc-field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  border-radius: 3px;
  background: var(--border-strong);
  outline: none;
  margin-top: 0.5rem;
}

.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}

.calc-value-display {
  font-family: 'Instrument Serif', serif;
  font-size: 1.6rem;
  color: var(--accent);
  min-width: 120px;
  text-align: right;
}

.calc-result {
  background: var(--accent);
  border-radius: 16px;
  padding: 2.5rem;
  color: white;
  position: sticky;
  top: 100px;
}

.calc-result-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.7;
  margin-bottom: 0.5rem;
}

.calc-result-amount {
  font-family: 'Instrument Serif', serif;
  font-size: clamp(2.5rem, 4vw, 3.5rem);
  line-height: 1.1;
  margin-bottom: 0.5rem;
}

.calc-result-period {
  font-size: 0.85rem;
  opacity: 0.7;
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

.calc-breakdown {
  margin-bottom: 2rem;
}

.calc-row {
  display: flex;
  justify-content: space-between;
  padding: 0.65rem 0;
  font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.calc-row:last-child { border-bottom: none; }
.calc-row span:first-child { opacity: 0.7; }

.calc-row.total {
  font-weight: 700;
  font-size: 1rem;
  border-top: 1px solid rgba(255,255,255,0.2);
  border-bottom: none;
  padding-top: 1rem;
  margin-top: 0.5rem;
}

.calc-cta {
  display: block;
  width: 100%;
  text-align: center;
  padding: 1rem;
  background: white;
  color: var(--accent);
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.9rem;
  transition: all 0.3s;
}

.calc-cta:hover {
  background: var(--canvas);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}

/* ── RATES TABLE ──────────────────────────────────────────── */
.rates-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.rates-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: white;
  border-radius: 14px;
  overflow: hidden;
  border: 1px solid var(--border);
}

.rates-table thead th {
  background: var(--accent);
  color: white;
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.rates-table tbody td {
  padding: 1rem 1.25rem;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--border);
}

.rates-table tbody tr:last-child td { border-bottom: none; }

.rates-table tbody tr:hover {
  background: var(--canvas-alt);
}

.rates-table .rate-bank {
  color: #E53E3E;
  text-decoration: line-through;
  opacity: 0.7;
}

.rates-table .rate-ours {
  color: var(--accent);
  font-weight: 700;
  font-size: 1rem;
}

.rates-table .rate-savings {
  color: var(--accent);
  font-weight: 600;
  background: var(--accent-pale);
  padding: 0.25rem 0.6rem;
  border-radius: 100px;
  font-size: 0.8rem;
  display: inline-block;
}

.rates-table .best-value td {
  background: var(--accent-pale);
}

.rates-table .best-value .rate-ours {
  position: relative;
}

.best-badge {
  display: inline-block;
  background: var(--accent);
  color: white;
  font-size: 0.6rem;
  padding: 0.15rem 0.5rem;
  border-radius: 100px;
  margin-left: 0.5rem;
  vertical-align: middle;
  font-weight: 700;
  letter-spacing: 0.05em;
}

.rates-disclaimer {
  font-size: 0.75rem;
  color: var(--text-light);
  margin-top: 1.25rem;
  text-align: center;
}

/* ── WHY CHOOSE ───────────────────────────────────────────── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.why-card {
  text-align: center;
  padding: 2rem 1.5rem;
  background: white;
  border-radius: 14px;
  border: 1px solid var(--border);
  transition: all 0.4s var(--ease);
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-elevated);
}

.why-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--accent-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  color: var(--accent);
  font-size: 1.5rem;
}

.why-card h4 { margin-bottom: 0.5rem; }
.why-card p { font-size: 0.85rem; color: var(--text-muted); }

/* ── TESTIMONIALS ─────────────────────────────────────────── */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.testimonial-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 2rem;
  transition: all 0.4s var(--ease);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-elevated);
  transform: translateY(-3px);
}

.testimonial-stars {
  color: var(--gold);
  font-size: 0.9rem;
  margin-bottom: 1rem;
}

.testimonial-text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--text);
  margin-bottom: 1.25rem;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.testimonial-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
}

.testimonial-name {
  font-weight: 600;
  font-size: 0.9rem;
}

.testimonial-meta {
  font-size: 0.75rem;
  color: var(--text-light);
}

.google-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  justify-content: center;
  margin-top: 2.5rem;
  font-size: 0.85rem;
  color: var(--text-muted);
}

.google-badge img {
  height: 20px;
}

/* ── REFERRAL ─────────────────────────────────────────────── */
.referral-card {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-light) 100%);
  border-radius: 20px;
  padding: clamp(2.5rem, 5vw, 4rem);
  color: white;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  overflow: hidden;
  position: relative;
}

.referral-card::after {
  content: '';
  position: absolute;
  right: -5%;
  top: -30%;
  width: 50%;
  height: 160%;
  background: radial-gradient(ellipse, rgba(255,255,255,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.referral-content { position: relative; z-index: 1; }
.referral-content h2 { color: white; margin-bottom: 1rem; }
.referral-content p { opacity: 0.8; margin-bottom: 0.5rem; font-size: 0.95rem; }

.referral-amount {
  font-family: 'Instrument Serif', serif;
  font-size: clamp(3rem, 6vw, 5rem);
  line-height: 1;
  margin: 1rem 0;
}

.referral-visual {
  position: relative;
  z-index: 1;
  text-align: center;
}

.referral-steps {
  counter-reset: step;
}

.referral-step {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.referral-step-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.8rem;
  flex-shrink: 0;
}

.referral-step p {
  margin: 0;
  font-size: 0.9rem;
}

.referral-step strong { opacity: 1; }

/* ── LEAD FORM ────────────────────────────────────────────── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

.form-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 2.5rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: var(--text-muted);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--border-strong);
  border-radius: 8px;
  background: var(--canvas);
  color: var(--text);
  transition: border-color 0.3s;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--accent);
}

.form-group textarea {
  resize: vertical;
  min-height: 90px;
}

.form-submit {
  width: 100%;
  padding: 1rem;
  margin-top: 0.5rem;
}

.form-trust {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.form-trust-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  background: var(--canvas-alt);
  border-radius: 12px;
}

.form-trust-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--accent-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  flex-shrink: 0;
}

.form-trust-item h4 {
  font-size: 0.95rem;
  margin-bottom: 0.2rem;
}

.form-trust-item p {
  font-size: 0.8rem;
  color: var(--text-muted);
}
/* ── FAQ ──────────────────────────────────────────────────── */
.faq-section {
  background: var(--canvas-alt);
  padding: var(--section-spacing) 0;
}

.faq-grid {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.faq-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  transition: all 0.3s var(--ease);
}

.faq-item:hover {
  border-color: var(--accent);
}

.faq-item[open] {
  border-color: var(--accent);
  box-shadow: 0 4px 20px rgba(27, 67, 50, 0.06);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  list-style: none;
  gap: 1rem;
  user-select: none;
}

.faq-question::-webkit-details-marker { display: none; }

.faq-question h3 {
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
  line-height: 1.5;
  margin: 0;
  font-family: 'Space Grotesk', sans-serif;
}

.faq-chevron {
  flex-shrink: 0;
  color: var(--accent);
  transition: transform 0.3s var(--ease);
}

.faq-item[open] .faq-chevron {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 1.5rem 1.5rem;
}

.faq-answer p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin: 0;
}

/* ── GOVERNMENT BENEFITS BANNER ──────────────────────────── */
.govt-benefits-banner {
  background: var(--canvas-dark);
  padding: 4rem 0;
}

.govt-benefits-inner {
  background: linear-gradient(135deg, #1B4332 0%, #2D6A4F 100%);
  border-radius: 1.5rem;
  padding: 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.govt-benefits-inner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(197,165,114,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.govt-benefit-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(197,165,114,0.2);
  color: #C5A572;
  padding: 0.5rem 1.25rem;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.govt-benefit-badge svg {
  width: 16px;
  height: 16px;
  stroke: #C5A572;
}

.govt-benefits-inner h2 {
  color: var(--text-inverse);
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  line-height: 1.3;
  max-width: 700px;
  margin: 0 auto 1rem;
}

.govt-benefits-inner h2 em {
  font-family: var(--font-display);
  color: #C5A572;
}

.govt-benefits-desc {
  color: rgba(253,251,247,0.8);
  font-size: 0.95rem;
  line-height: 1.8;
  max-width: 680px;
  margin: 0 auto 2rem;
}

.govt-benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  max-width: 700px;
  margin: 0 auto 2rem;
}

.govt-benefit-stat {
  text-align: center;
}

.govt-stat-value {
  font-size: 1.8rem;
  font-weight: 700;
  color: #C5A572;
  line-height: 1;
  margin-bottom: 0.35rem;
}

.govt-stat-label {
  font-size: 0.7rem;
  color: rgba(253,251,247,0.6);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.govt-benefits-inner .btn-primary {
  margin-top: 0.5rem;
}

@media (max-width: 768px) {
  .govt-benefits-inner {
    padding: 2rem 1.5rem;
  }

  .govt-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
  }

  .govt-stat-value {
    font-size: 1.4rem;
  }
}

/* ── FOOTER ───────────────────────────────────────────────── */
.footer {
  background: var(--canvas-dark);
  color: rgba(253,251,247,0.6);
  padding: 3.5rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 2.5rem;
}

.footer-brand h3 {
  color: var(--text-inverse);
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}

.footer-brand p { font-size: 0.85rem; line-height: 1.7; }

.footer h4 {
  color: var(--text-inverse);
  font-size: 0.85rem;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.footer ul li {
  margin-bottom: 0.6rem;
}

.footer ul li a {
  font-size: 0.85rem;
  transition: color 0.3s;
}

.footer ul li a:hover { color: var(--accent-pale); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.75rem;
}

.footer-compliance {
  max-width: 700px;
  line-height: 1.7;
}

.footer-compliance a {
  color: var(--accent-pale);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ── SCROLL REVEAL ────────────────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ── MOBILE NAV OVERLAY ───────────────────────────────────── */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 200;
  background: rgba(0,0,0,0.5);
  backdrop-filter: blur(4px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s, visibility 0.3s;
}

.mobile-nav.open {
  opacity: 1;
  visibility: visible;
}

.mobile-nav-panel {
  position: absolute;
  right: 0;
  top: 0;
  width: 280px;
  height: 100%;
  background: var(--canvas);
  padding: 5rem 2rem 2rem;
  transform: translateX(100%);
  transition: transform 0.4s var(--ease);
}

.mobile-nav.open .mobile-nav-panel {
  transform: translateX(0);
}

.mobile-nav-close {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  font-size: 1.5rem;
  padding: 0.5rem;
  color: var(--text);
}

.mobile-nav a {
  display: block;
  padding: 0.85rem 0;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}

.mobile-nav .btn {
  margin-top: 1.5rem;
  width: 100%;
  justify-content: center;
}

/* ── RESPONSIVE ───────────────────────────────────────────── */

/* Tablet */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-right { max-width: 480px; }
  .bento-grid { grid-template-columns: repeat(2, 1fr); }
  .bento-card.featured { grid-column: span 2; }
  .calc-container { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .referral-card { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
}

/* ── NOTIFICATION BANNER ────────────────────────────────── */
.notification-banner {
  background: var(--primary);
  color: white;
  position: relative;
  z-index: 1001;
}

.notification-banner.type-info { background: #1565C0; }
.notification-banner.type-success { background: #1B4332; }
.notification-banner.type-warning { background: #E65100; }
.notification-banner.type-urgent { background: #B71C1C; }

.notification-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0.65rem 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  font-size: 0.82rem;
  text-align: center;
}

.notification-text { flex: 0 1 auto; }

.notification-link {
  color: white;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
  white-space: nowrap;
  transition: opacity 0.2s;
}

.notification-link:hover { opacity: 0.8; }

.notification-close {
  background: rgba(255,255,255,0.15);
  border: none;
  color: white;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.2s;
  line-height: 1;
}

.notification-close:hover { background: rgba(255,255,255,0.25); }

/* ── NEWS & UPDATES SECTION ─────────────────────────────── */
.news-section {
  background: var(--canvas);
  padding: 5rem 0;
}

.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.news-card {
  background: white;
  border-radius: 1rem;
  padding: 1.75rem;
  border: 1px solid var(--border-subtle);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.news-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.08);
  border-color: var(--accent);
}

.news-card.pinned {
  border-left: 4px solid var(--accent);
}

.news-card-badge {
  display: inline-block;
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 0.75rem;
}

.news-card-badge.policy { background: #E3F2FD; color: #1565C0; }
.news-card-badge.rates { background: #F3E5F5; color: #7B1FA2; }
.news-card-badge.advice { background: #E8F5E9; color: #2E7D32; }

.news-card-date {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.news-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1.4;
  margin-bottom: 0.6rem;
  color: var(--text-primary);
}

.news-card p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.news-card-pin {
  position: absolute;
  top: 1rem;
  right: 1rem;
  font-size: 0.9rem;
}

/* ── NEWSLETTER SECTION ─────────────────────────────────── */
.newsletter-section {
  padding: 5rem 0;
  background: var(--canvas-dark);
}

.newsletter-card {
  background: linear-gradient(135deg, #1B4332 0%, #2D6A4F 60%, #1B4332 100%);
  border-radius: 1.5rem;
  padding: 3.5rem;
  position: relative;
  overflow: hidden;
}

.newsletter-card::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(197,165,114,0.06) 0%, transparent 70%);
  pointer-events: none;
}

.newsletter-card::after {
  content: '';
  position: absolute;
  bottom: -30%;
  right: -10%;
  width: 40%;
  height: 150%;
  background: radial-gradient(circle, rgba(197,165,114,0.04) 0%, transparent 70%);
  pointer-events: none;
}

.newsletter-content {
  text-align: center;
  position: relative;
  z-index: 1;
}

.newsletter-icon {
  width: 60px;
  height: 60px;
  background: rgba(197,165,114,0.15);
  border-radius: 1rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.newsletter-icon svg {
  stroke: #C5A572;
}

.newsletter-content h2 {
  color: white;
  font-size: clamp(1.4rem, 3vw, 1.8rem);
  margin-bottom: 0.75rem;
}

.newsletter-content p {
  color: rgba(255,255,255,0.7);
  max-width: 500px;
  margin: 0 auto 2rem;
  font-size: 0.88rem;
  line-height: 1.6;
}

.newsletter-form {
  position: relative;
  z-index: 1;
  max-width: 500px;
  margin: 0 auto;
}

.newsletter-input-group {
  display: flex;
  gap: 0.5rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 12px;
  padding: 0.35rem;
  transition: border-color 0.3s;
}

.newsletter-input-group:focus-within {
  border-color: var(--accent);
}

.newsletter-input-group input {
  flex: 1;
  background: transparent;
  border: none;
  color: white;
  padding: 0.7rem 1rem;
  font-family: var(--font-body);
  font-size: 0.88rem;
}

.newsletter-input-group input::placeholder {
  color: rgba(255,255,255,0.4);
}

.newsletter-input-group input:focus {
  outline: none;
}

.newsletter-input-group .btn {
  padding: 0.7rem 1.5rem;
  background: var(--accent);
  color: var(--text-primary);
  border: none;
  border-radius: 9px;
  font-weight: 700;
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  cursor: pointer;
  transition: all 0.2s;
}

.newsletter-input-group .btn:hover {
  background: #d4b88a;
  transform: translateX(2px);
}

.newsletter-privacy {
  text-align: center;
  color: rgba(255,255,255,0.4);
  font-size: 0.72rem;
  margin-top: 1rem;
}

.newsletter-success {
  text-align: center;
  color: white;
  position: relative;
  z-index: 1;
}

.newsletter-success h3 {
  font-size: 1.3rem;
  margin: 1rem 0 0.5rem;
}

.newsletter-success p {
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
}

/* Tablet nav */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-mobile-toggle { display: flex; }
  .mobile-nav { display: block; }

  .comparison-grid {
    grid-template-columns: 1fr;
    gap: 1rem;
  }
  .comparison-vs {
    justify-content: center;
    padding: 0.5rem 0;
  }

  .hero-trust { gap: 1.25rem; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
  .newsletter-card { padding: 2.5rem 1.5rem; }
  .notification-inner { flex-wrap: wrap; font-size: 0.75rem; padding: 0.5rem 1rem; }
}

/* Mobile */
@media (max-width: 480px) {
  body { font-size: 15px; }

  .hero { padding: 2rem 0 3rem; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; justify-content: center; }
  .hero-stats-card { padding: 1.75rem; }
  .hero-stat-grid { gap: 1rem; }

  .bento-grid { grid-template-columns: 1fr; }
  .bento-card.featured { grid-column: span 1; }

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

  .newsletter-input-group { flex-direction: column; }
  .newsletter-input-group .btn { width: 100%; justify-content: center; }

  .form-row { grid-template-columns: 1fr; }

  .rates-table thead th,
  .rates-table tbody td {
    padding: 0.75rem 0.9rem;
    font-size: 0.8rem;
  }

  .referral-card { padding: 2rem; }
  .referral-amount { font-size: 3rem; }

  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .section-header { margin-bottom: 2.5rem; }
}

/* ── FOOTER SOCIAL ICONS ─────────────────────────────────── */
.footer-social {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.social-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--accent);
  color: var(--text-inverse);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s var(--ease);
}

.social-icon:hover {
  transform: translateY(-3px) scale(1.08);
  box-shadow: 0 6px 20px rgba(27,67,50,0.3);
}

.social-icon svg {
  fill: currentColor;
}

[data-theme="dark"] .social-icon {
  background: rgba(255,255,255,0.08);
  color: var(--text);
}

[data-theme="dark"] .social-icon:hover {
  background: var(--accent);
  color: white;
}

/* ── FLOATING SOCIAL SIDEBAR ─────────────────────────────── */
.social-float {
  position: fixed;
  left: 0;
  top: 50%;
  transform: translateY(-50%) translateX(-100%);
  z-index: 90;
  display: flex;
  flex-direction: column;
  gap: 2px;
  transition: transform 0.5s var(--ease);
}

.social-float.visible {
  transform: translateY(-50%) translateX(0);
}

.social-float-icon {
  width: 42px;
  height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s var(--ease);
  color: white;
}

.social-float-icon:first-child {
  border-radius: 0 8px 0 0;
}

.social-float-icon:last-child {
  border-radius: 0 0 8px 0;
}

.social-float-icon:hover {
  width: 52px;
  box-shadow: 4px 0 20px rgba(0,0,0,0.15);
}

/* Hide floating sidebar on mobile (use mobile nav icons instead) */
@media (max-width: 768px) {
  .social-float {
    display: none;
  }
}

/* ── MOBILE NAV SOCIAL ROW ────────────────────────────── */
.mobile-social-row {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin: 1rem 0 0.5rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.mobile-social-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  transition: transform 0.2s var(--ease), box-shadow 0.2s;
  text-decoration: none;
}

.mobile-social-icon:active {
  transform: scale(0.92);
}

.mobile-social-icon:hover {
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
  transform: translateY(-2px);
}

/* ── WHATSAPP FLOATING BUTTON ────────────────────────────── */
.whatsapp-float {
  position: fixed;
  bottom: 100px;
  right: 24px;
  z-index: 95;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.35);
  transition: all 0.3s var(--ease);
  transform: scale(0);
  opacity: 0;
}

.whatsapp-float.visible {
  transform: scale(1);
  opacity: 1;
}

.whatsapp-float::before {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid rgba(37,211,102,0.3);
  animation: whatsapp-pulse 2s ease-in-out infinite;
}

@keyframes whatsapp-pulse {
  0%, 100% { transform: scale(1); opacity: 0.6; }
  50% { transform: scale(1.15); opacity: 0; }
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 24px rgba(37,211,102,0.45);
}

.whatsapp-tooltip {
  position: absolute;
  right: calc(100% + 12px);
  top: 50%;
  transform: translateY(-50%);
  background: var(--canvas-dark);
  color: var(--text-inverse);
  padding: 0.4rem 0.8rem;
  border-radius: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s;
}

.whatsapp-tooltip::after {
  content: '';
  position: absolute;
  right: -6px;
  top: 50%;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: var(--canvas-dark);
  border-right: none;
}

.whatsapp-float:hover .whatsapp-tooltip {
  opacity: 1;
}

[data-theme="dark"] .whatsapp-tooltip {
  background: #2a2d38;
}

[data-theme="dark"] .whatsapp-tooltip::after {
  border-left-color: #2a2d38;
}


/* ── SUPPORT CHATBOT ──────────────────────────────────────── */
.chatbot {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 100;
}

/* Toggle button */
.chatbot-toggle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(27,67,50,0.3);
  transition: all 0.3s var(--ease);
  position: relative;
  cursor: pointer;
  border: none;
}

.chatbot-toggle:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 28px rgba(27,67,50,0.4);
}

.chatbot-icon-close {
  display: none;
}

.chatbot.open .chatbot-icon-open {
  display: none;
}

.chatbot.open .chatbot-icon-close {
  display: block;
}

/* Notification badge */
.chatbot-badge {
  position: absolute;
  top: -2px;
  right: -2px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #E53E3E;
  color: white;
  font-size: 0.65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--canvas);
  transition: transform 0.3s;
}

.chatbot-badge.hidden {
  transform: scale(0);
}

/* Chat Panel */
.chatbot-panel {
  position: absolute;
  bottom: calc(100% + 12px);
  right: 0;
  width: 380px;
  max-height: 520px;
  background: var(--canvas);
  border-radius: 16px;
  box-shadow: 0 12px 48px rgba(0,0,0,0.15), 0 0 0 1px var(--border);
  display: flex;
  flex-direction: column;
  transform: scale(0.9) translateY(10px);
  transform-origin: bottom right;
  opacity: 0;
  pointer-events: none;
  transition: all 0.35s var(--ease);
  overflow: hidden;
}

.chatbot.open .chatbot-panel {
  transform: scale(1) translateY(0);
  opacity: 1;
  pointer-events: auto;
}

/* Header */
.chatbot-header {
  background: var(--accent);
  color: white;
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-shrink: 0;
}

.chatbot-header-info {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.chatbot-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Instrument Serif', serif;
  font-size: 0.9rem;
  font-weight: 600;
}

.chatbot-header-name {
  font-weight: 600;
  font-size: 0.95rem;
}

.chatbot-header-status {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.7rem;
  opacity: 0.85;
}

.chatbot-status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #4ADE80;
  display: inline-block;
}

.chatbot-close {
  background: rgba(255,255,255,0.15);
  border: none;
  border-radius: 8px;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.2s;
  color: white;
}

.chatbot-close:hover {
  background: rgba(255,255,255,0.25);
}

/* Messages area */
.chatbot-messages {
  flex: 1;
  overflow-y: auto;
  padding: 1rem 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  min-height: 180px;
  max-height: 260px;
}

.chatbot-msg {
  max-width: 88%;
  padding: 0.65rem 0.9rem;
  border-radius: 14px;
  font-size: 0.85rem;
  line-height: 1.5;
  animation: chatbot-slide-in 0.3s var(--ease);
}

@keyframes chatbot-slide-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.chatbot-msg.bot {
  background: var(--canvas-alt);
  color: var(--text);
  border-bottom-left-radius: 4px;
  align-self: flex-start;
}

.chatbot-msg.user {
  background: var(--accent);
  color: white;
  border-bottom-right-radius: 4px;
  align-self: flex-end;
}

.chatbot-msg a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}

.chatbot-msg.user a {
  color: white;
}

/* Typing indicator */
.chatbot-typing {
  display: flex;
  gap: 4px;
  padding: 0.65rem 0.9rem;
  background: var(--canvas-alt);
  border-radius: 14px;
  border-bottom-left-radius: 4px;
  align-self: flex-start;
  width: fit-content;
}

.chatbot-typing span {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--text-muted);
  animation: chatbot-dot 1.4s ease-in-out infinite;
}

.chatbot-typing span:nth-child(2) { animation-delay: 0.2s; }
.chatbot-typing span:nth-child(3) { animation-delay: 0.4s; }

@keyframes chatbot-dot {
  0%, 80%, 100% { opacity: 0.3; transform: scale(0.8); }
  40% { opacity: 1; transform: scale(1); }
}

/* Quick replies */
.chatbot-quick-replies {
  padding: 0 1rem 0.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  flex-shrink: 0;
}

.chatbot-quick-btn {
  background: var(--canvas-alt);
  color: var(--accent);
  border: 1px solid var(--border-strong);
  border-radius: 100px;
  padding: 0.35rem 0.75rem;
  font-size: 0.72rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
}

.chatbot-quick-btn:hover {
  background: var(--accent);
  color: white;
  border-color: var(--accent);
}

/* Input area */
.chatbot-input-area {
  display: flex;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  border-top: 1px solid var(--border);
  background: var(--canvas);
  flex-shrink: 0;
}

.chatbot-input {
  flex: 1;
  border: 1px solid var(--border-strong);
  border-radius: 8px;
  padding: 0.55rem 0.75rem;
  font-size: 0.85rem;
  background: var(--canvas-alt);
  color: var(--text);
  outline: none;
  transition: border-color 0.2s;
}

.chatbot-input:focus {
  border-color: var(--accent);
}

.chatbot-send {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: var(--accent);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  flex-shrink: 0;
}

.chatbot-send:hover {
  background: var(--accent-light);
  transform: scale(1.05);
}

/* Dark mode adjustments */
[data-theme="dark"] .chatbot-panel {
  background: #1a1d27;
  box-shadow: 0 12px 48px rgba(0,0,0,0.4), 0 0 0 1px var(--border);
}

[data-theme="dark"] .chatbot-toggle {
  box-shadow: 0 4px 20px rgba(61,166,112,0.3);
}

[data-theme="dark"] .chatbot-badge {
  border-color: #1a1d27;
}

[data-theme="dark"] .chatbot-input-area {
  background: #1a1d27;
}

[data-theme="dark"] .chatbot-input {
  background: #12141b;
}

/* Mobile responsive */
@media (max-width: 480px) {
  .chatbot-panel {
    width: calc(100vw - 32px);
    right: -8px;
    max-height: 70vh;
  }

  .whatsapp-float {
    bottom: 92px;
    right: 16px;
    width: 50px;
    height: 50px;
  }

  .chatbot {
    right: 16px;
    bottom: 16px;
  }

  .chatbot-toggle {
    width: 50px;
    height: 50px;
  }

  .whatsapp-tooltip {
    display: none;
  }
}

/* Print — compliance requirement */
@media print {
  .compliance-bar, .footer-compliance { display: block !important; }
  .nav, .mobile-nav, .social-float, .whatsapp-float, .chatbot { display: none; }
}