/* =============================================
   SOLVIC CAPITAL — GLOBAL STYLESHEET
   Brand: Navy #0C2340 | Steel Blue #4A90D9 | White
   Fonts: Sora (headings) + DM Sans (body)
============================================= */
@import url('https://fonts.googleapis.com/css2?family=Sora:wght@300;400;500;600;700;800&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap');

:root {
  --navy:       #0C2340;
  --navy-mid:   #162D4F;
  --navy-light: #1E3A60;
  --blue:       #4A90D9;
  --blue-dark:  #1A5A9A;
  --blue-pale:  #EDF4FB;
  --blue-pale2: #D6E8F7;
  --gold:       #F0A500;
  --white:      #FFFFFF;
  --gray-100:   #F5F7FA;
  --gray-200:   #E8ECF2;
  --gray-400:   #9AABBA;
  --gray-600:   #5A6E7A;
  --gray-800:   #2E3E4A;
  --font-head:  'Sora', sans-serif;
  --font-body:  'DM Sans', sans-serif;
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;
  --shadow-sm:  0 2px 8px rgba(74,144,217,0.1);
  --shadow-md:  0 8px 32px rgba(12,35,64,0.12);
  --shadow-lg:  0 20px 60px rgba(12,35,64,0.18);
  --transition: all 0.28s cubic-bezier(0.4,0,0.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font-body);font-size:16px;line-height:1.7;color:var(--gray-800);background:var(--white);-webkit-font-smoothing:antialiased;}

h1,h2,h3,h4,h5,h6{font-family:var(--font-head);font-weight:700;line-height:1.2;color:var(--navy);}
h1{font-size:clamp(2.2rem,5vw,3.6rem);}
h2{font-size:clamp(1.8rem,3.5vw,2.6rem);}
h3{font-size:clamp(1.3rem,2.5vw,1.6rem);}
h4{font-size:1.2rem;}
p{margin-bottom:1rem;}
a{color:var(--blue-dark);text-decoration:none;transition:var(--transition);}
a:hover{color:var(--blue);}
ul{list-style:none;}

.container{max-width:1180px;margin:0 auto;padding:0 2rem;}
.section{padding:5rem 0;}
.section-sm{padding:3rem 0;}

/* ── NAV ── */
.nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(12,35,64,0.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(74,144,217,0.12);transition:var(--transition);}
.nav.scrolled{box-shadow:0 4px 24px rgba(0,0,0,0.2);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;max-width:1180px;margin:0 auto;padding:0 2rem;height:72px;}
.nav-logo{display:flex;align-items:center;gap:12px;text-decoration:none;}
.nav-logo-icon{width:38px;height:38px;}
.nav-logo-text{display:flex;flex-direction:column;}
.nav-logo-name{font-family:var(--font-head);font-size:1.15rem;font-weight:700;color:var(--white);letter-spacing:0.02em;line-height:1;}
.nav-logo-sub{font-size:0.62rem;color:var(--blue);letter-spacing:0.22em;text-transform:uppercase;margin-top:2px;}
.nav-links{display:flex;align-items:center;gap:0.25rem;}
.nav-links a{color:rgba(255,255,255,0.75);font-size:0.88rem;font-weight:500;padding:0.5rem 0.85rem;border-radius:var(--radius-sm);transition:var(--transition);}
.nav-links a:hover,.nav-links a.active{color:var(--white);background:rgba(74,144,217,0.12);}
.nav-dropdown{position:relative;}
.nav-dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;background:var(--navy-mid);border:1px solid rgba(74,144,217,0.15);border-radius:var(--radius-md);padding:0.5rem;min-width:230px;box-shadow:var(--shadow-lg);}
.nav-dropdown:hover .nav-dropdown-menu{display:block;}
.nav-dropdown-menu a{display:block;color:rgba(255,255,255,0.8);font-size:0.85rem;padding:0.55rem 0.85rem;border-radius:var(--radius-sm);white-space:nowrap;}
.nav-dropdown-menu a:hover{color:var(--blue);background:rgba(74,144,217,0.1);}
.nav-cta{background:var(--blue)!important;color:var(--white)!important;font-weight:600!important;padding:0.55rem 1.2rem!important;border-radius:var(--radius-sm)!important;margin-left:0.5rem;}
.nav-cta:hover{background:#5CA0E8!important;color:var(--white)!important;}
.nav-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;}
.nav-burger span{width:24px;height:2px;background:var(--white);border-radius:2px;transition:var(--transition);}
.nav-mobile{display:none;background:var(--navy-mid);border-top:1px solid rgba(74,144,217,0.1);padding:1rem 2rem 1.5rem;}
.nav-mobile a{display:block;color:rgba(255,255,255,0.8);padding:0.65rem 0;border-bottom:1px solid rgba(255,255,255,0.05);font-size:0.95rem;}
.nav-mobile a:last-child{border-bottom:none;}
.nav-mobile .nav-cta{background:var(--blue);color:var(--white)!important;text-align:center;border-radius:var(--radius-sm);margin-top:0.75rem;padding:0.75rem!important;}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-head);font-size:0.9rem;font-weight:600;padding:0.75rem 1.75rem;border-radius:var(--radius-sm);border:none;cursor:pointer;text-decoration:none;transition:var(--transition);white-space:nowrap;letter-spacing:0.01em;}
.btn-primary{background:var(--blue);color:var(--white);}
.btn-primary:hover{background:#5CA0E8;color:var(--white);transform:translateY(-1px);box-shadow:0 8px 24px rgba(74,144,217,0.35);}
.btn-secondary{background:transparent;color:var(--white);border:1.5px solid rgba(74,144,217,0.5);}
.btn-secondary:hover{border-color:var(--blue);color:var(--blue);}
.btn-dark{background:var(--navy);color:var(--white);}
.btn-dark:hover{background:var(--navy-mid);color:var(--blue);}
.btn-gold{background:var(--gold);color:var(--navy);}
.btn-gold:hover{background:#F5B420;transform:translateY(-1px);box-shadow:0 8px 24px rgba(240,165,0,0.35);}
.btn-lg{padding:1rem 2.2rem;font-size:1rem;}
.btn-sm{padding:0.5rem 1.1rem;font-size:0.82rem;}

/* ── SECTION HELPERS ── */
.section-tag{display:inline-block;background:var(--blue-pale);color:var(--blue-dark);font-size:0.75rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;padding:0.35rem 1rem;border-radius:100px;margin-bottom:1rem;}
.section-header{max-width:640px;}
.section-header.center{text-align:center;margin:0 auto 3.5rem;}
.section-header h2{margin-bottom:1rem;}
.section-header p{color:var(--gray-600);font-size:1.05rem;}
.section-dark{background:var(--navy);}
.section-dark h2,.section-dark h3,.section-dark h4{color:var(--white);}
.section-dark p{color:rgba(255,255,255,0.6);}
.section-dark .section-tag{background:rgba(74,144,217,0.12);color:var(--blue);}

/* ── CARDS ── */
.card{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--gray-200);padding:2rem;transition:var(--transition);}
.card:hover{border-color:rgba(74,144,217,0.35);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.card-icon{width:52px;height:52px;background:var(--blue-pale);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:1.25rem;}
.card-icon svg{width:26px;height:26px;color:var(--blue-dark);}
.card h3{font-size:1.15rem;margin-bottom:0.6rem;}
.card p{color:var(--gray-600);font-size:0.92rem;line-height:1.65;margin:0;}

/* ── PRODUCT CARDS ── */
.product-card{background:var(--navy);border-radius:var(--radius-lg);border:1px solid rgba(74,144,217,0.15);padding:2rem;transition:var(--transition);text-decoration:none;display:block;}
.product-card:hover{border-color:var(--blue);box-shadow:0 0 0 1px var(--blue),0 16px 48px rgba(74,144,217,0.2);transform:translateY(-4px);}
.product-card .card-tag{font-size:0.72rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--blue);margin-bottom:0.75rem;}
.product-card h3{color:var(--white);font-size:1.2rem;margin-bottom:0.75rem;}
.product-card p{color:rgba(255,255,255,0.55);font-size:0.9rem;line-height:1.65;margin-bottom:1.25rem;}
.product-card .learn-more{font-size:0.85rem;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:6px;transition:var(--transition);}
.product-card:hover .learn-more{gap:10px;}

/* ── DIRECT LENDER BADGE ── */
.direct-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(74,144,217,0.12);border:1px solid rgba(74,144,217,0.3);color:var(--blue);font-size:0.78rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:0.4rem 1rem;border-radius:100px;}
.direct-badge::before{content:'';width:7px;height:7px;background:var(--gold);border-radius:50%;animation:pulse 2s infinite;}

/* ── GRIDS ── */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;}

/* ── STEPS ── */
.step{display:flex;gap:1.5rem;align-items:flex-start;}
.step-num{flex-shrink:0;width:48px;height:48px;background:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;font-size:1.1rem;color:var(--white);}
.step-content h4{margin-bottom:0.4rem;}
.step-content p{color:var(--gray-600);font-size:0.92rem;margin:0;}

/* ── FAQ ── */
.faq-item{border-bottom:1px solid var(--gray-200);}
.faq-question{width:100%;background:none;border:none;text-align:left;padding:1.4rem 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-family:var(--font-head);font-size:1rem;font-weight:600;color:var(--navy);gap:1rem;}
.faq-question:hover{color:var(--blue-dark);}
.faq-icon{flex-shrink:0;width:24px;height:24px;background:var(--blue-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;transition:var(--transition);}
.faq-icon svg{width:12px;height:12px;color:var(--blue-dark);transition:var(--transition);}
.faq-item.open .faq-icon{background:var(--blue);}
.faq-item.open .faq-icon svg{color:var(--white);transform:rotate(45deg);}
.faq-answer{display:none;padding:0 0 1.4rem;color:var(--gray-600);font-size:0.95rem;line-height:1.75;}
.faq-item.open .faq-answer{display:block;}

/* ── BLOG ── */
.blog-card{background:var(--white);border-radius:var(--radius-lg);border:1px solid var(--gray-200);overflow:hidden;transition:var(--transition);text-decoration:none;display:block;}
.blog-card:hover{border-color:rgba(74,144,217,0.3);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.blog-card-img{height:200px;background:var(--navy);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.blog-card-img::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 30% 50%,rgba(74,144,217,0.15),transparent 70%);}
.blog-card-cat{position:absolute;top:1rem;left:1rem;background:var(--blue);color:var(--white);font-size:0.7rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:0.3rem 0.75rem;border-radius:100px;z-index:1;}
.blog-card-body{padding:1.5rem;}
.blog-card-meta{font-size:0.78rem;color:var(--gray-400);margin-bottom:0.65rem;}
.blog-card h3{font-size:1.05rem;color:var(--navy);margin-bottom:0.5rem;line-height:1.35;}
.blog-card p{font-size:0.88rem;color:var(--gray-600);line-height:1.6;margin:0;}

/* ── TESTIMONIALS ── */
.testimonial{background:var(--white);border-radius:var(--radius-lg);padding:2rem;border:1px solid var(--gray-200);}
.testimonial-quote{font-size:1rem;color:var(--gray-600);line-height:1.7;font-style:italic;margin-bottom:1.25rem;}
.testimonial-author{display:flex;align-items:center;gap:12px;}
.testimonial-avatar{width:44px;height:44px;background:var(--blue-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;font-size:1rem;color:var(--blue-dark);}
.testimonial-name{font-weight:600;font-size:0.9rem;color:var(--navy);}
.testimonial-title{font-size:0.78rem;color:var(--gray-400);}
.stars{color:var(--gold);font-size:0.85rem;margin-bottom:1rem;}

/* ── CTA BAND ── */
.cta-band{background:var(--navy);padding:5rem 0;text-align:center;position:relative;overflow:hidden;}
.cta-band::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(74,144,217,0.08),transparent 70%);}
.cta-band h2{color:var(--white);margin-bottom:1rem;}
.cta-band p{color:rgba(255,255,255,0.55);margin-bottom:2rem;font-size:1.05rem;}
.cta-band .btn-group{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap;}

/* ── PAGE HERO ── */
.page-hero{background:var(--navy);padding:9rem 0 5rem;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 60% at 80% 50%,rgba(74,144,217,0.08),transparent 60%);}
.page-hero-grid{position:absolute;inset:0;opacity:0.03;background-image:linear-gradient(rgba(74,144,217,0.8) 1px,transparent 1px),linear-gradient(90deg,rgba(74,144,217,0.8) 1px,transparent 1px);background-size:60px 60px;}
.page-hero-content{position:relative;z-index:1;}
.page-hero h1{color:var(--white);margin-bottom:1rem;}
.page-hero p{color:rgba(255,255,255,0.6);font-size:1.1rem;max-width:580px;}

/* ── BREADCRUMB ── */
.breadcrumb{display:flex;align-items:center;gap:6px;font-size:0.82rem;color:var(--gray-400);margin-bottom:1.5rem;}
.breadcrumb a{color:var(--gray-400);}
.breadcrumb a:hover{color:var(--blue);}
.breadcrumb-sep{opacity:0.4;}

/* ── HIGHLIGHT BOX ── */
.highlight-box{background:var(--blue-pale);border-left:4px solid var(--blue);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:1.25rem 1.5rem;margin:1.5rem 0;}
.highlight-box p{margin:0;color:var(--navy);font-weight:500;}

/* ── BLOG POST ── */
.blog-post-content{max-width:760px;margin:0 auto;}
.blog-post-content h2{font-size:1.6rem;margin:2.5rem 0 1rem;color:var(--navy);}
.blog-post-content h3{font-size:1.25rem;margin:2rem 0 0.75rem;color:var(--navy);}
.blog-post-content p{color:var(--gray-600);margin-bottom:1.25rem;line-height:1.8;}
.blog-post-content ul,.blog-post-content ol{margin:0 0 1.25rem 1.5rem;list-style:disc;color:var(--gray-600);line-height:1.8;}
.blog-post-content li{margin-bottom:0.4rem;}
.blog-post-content strong{color:var(--navy);font-weight:600;}

/* ── COMPARISON TABLE ── */
.compare-table{width:100%;border-collapse:collapse;border-radius:var(--radius-lg);overflow:hidden;}
.compare-table th{padding:1rem 1.25rem;text-align:left;font-family:var(--font-head);font-size:0.85rem;font-weight:700;}
.compare-table th:first-child{background:var(--navy);color:var(--white);}
.compare-table th:nth-child(2){background:var(--blue);color:var(--white);}
.compare-table th:nth-child(3){background:var(--gray-200);color:var(--navy);}
.compare-table td{padding:1rem 1.25rem;border-bottom:1px solid var(--gray-200);font-size:0.92rem;}
.compare-table td:first-child{font-weight:600;color:var(--navy);background:var(--gray-100);}
.compare-table td:nth-child(2){color:var(--blue-dark);font-weight:600;}
.compare-table td:nth-child(3){color:var(--gray-600);}
.compare-table tr:last-child td{border-bottom:none;}
.check{color:#22c55e;font-weight:700;}
.cross{color:#ef4444;}

/* ── FORM FIELDS ── */
.f-label{font-size:0.78rem;font-weight:700;color:var(--navy);display:block;margin-bottom:0.35rem;text-transform:uppercase;letter-spacing:0.05em;}
.f-input{width:100%;padding:0.8rem 1rem;border:1.5px solid var(--gray-200);border-radius:8px;font-family:var(--font-body);font-size:0.92rem;color:var(--navy);background:var(--white);transition:border-color 0.2s;box-sizing:border-box;}
.f-input:focus{outline:none;border-color:var(--blue-dark);}
.f-row2{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.f-group{margin-bottom:1.1rem;}
.f-submit{width:100%;background:var(--blue);color:var(--white);font-family:var(--font-head);font-weight:700;font-size:1rem;padding:1rem;border:none;border-radius:8px;cursor:pointer;transition:all 0.2s;letter-spacing:0.01em;}
.f-submit:hover{background:#5CA0E8;transform:translateY(-1px);box-shadow:0 6px 20px rgba(74,144,217,0.35);}
.f-submit:disabled{opacity:0.6;cursor:not-allowed;transform:none;}

/* ── FOOTER ── */
.footer{background:var(--navy);border-top:1px solid rgba(74,144,217,0.1);padding:4rem 0 2rem;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;margin-bottom:3rem;}
.footer-brand p{color:rgba(255,255,255,0.45);font-size:0.88rem;line-height:1.7;margin:1rem 0 1.5rem;max-width:280px;}
.footer-social{display:flex;gap:10px;}
.footer-social a{width:36px;height:36px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.5);transition:var(--transition);}
.footer-social a:hover{background:rgba(74,144,217,0.12);border-color:var(--blue);color:var(--blue);}
.footer-col h5{font-family:var(--font-head);font-size:0.85rem;font-weight:700;color:var(--white);letter-spacing:0.08em;text-transform:uppercase;margin-bottom:1.25rem;}
.footer-col a{display:block;color:rgba(255,255,255,0.45);font-size:0.88rem;padding:0.3rem 0;transition:var(--transition);}
.footer-col a:hover{color:var(--blue);padding-left:4px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06);padding-top:1.75rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;}
.footer-copy{font-size:0.82rem;color:rgba(255,255,255,0.3);}
.footer-legal{display:flex;gap:1.5rem;}
.footer-legal a{font-size:0.82rem;color:rgba(255,255,255,0.3);}
.footer-legal a:hover{color:var(--blue);}

/* ── STICKY CTA ── */
#sticky-cta-bar{position:fixed;bottom:0;left:0;right:0;z-index:9000;background:var(--navy-mid);border-top:2px solid var(--blue);padding:0.75rem 2rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:0.75rem;transform:translateY(100%);transition:transform 0.4s cubic-bezier(0.4,0,0.2,1);}
#sticky-cta-bar.visible{transform:translateY(0);}
#sticky-cta-bar .bar-text{color:rgba(255,255,255,0.85);font-size:0.88rem;font-family:var(--font-head);}
#sticky-cta-bar .bar-text strong{color:var(--blue);}
#sticky-cta-bar .bar-actions{display:flex;gap:0.75rem;align-items:center;}
#sticky-cta-bar .bar-btn{background:var(--blue);color:var(--white);font-family:var(--font-head);font-weight:700;font-size:0.82rem;padding:0.55rem 1.3rem;border-radius:6px;text-decoration:none;white-space:nowrap;transition:all 0.2s;}
#sticky-cta-bar .bar-btn:hover{background:#5CA0E8;color:var(--white);}
#sticky-cta-bar .bar-call{color:rgba(255,255,255,0.7);font-size:0.82rem;text-decoration:none;}
#sticky-cta-bar .bar-call:hover{color:var(--blue);}
#sticky-cta-bar .bar-close{background:none;border:none;color:rgba(255,255,255,0.3);cursor:pointer;font-size:1.1rem;padding:0.25rem;margin-left:0.5rem;line-height:1;}

/* ── FLOAT BUTTON ── */
#float-email{position:fixed;left:1.5rem;bottom:5.5rem;z-index:8999;width:52px;height:52px;background:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(74,144,217,0.4);text-decoration:none;transition:all 0.25s;transform:scale(0);opacity:0;}
#float-email.visible{transform:scale(1);opacity:1;}
#float-email:hover{background:#5CA0E8;transform:scale(1.08);}

/* ── SOCIAL PROOF POPUP ── */
#sp-popup{position:fixed;bottom:1.5rem;left:1.5rem;z-index:9999;background:var(--white);border-radius:12px;padding:1rem 1.25rem;box-shadow:0 8px 32px rgba(0,0,0,0.15);max-width:295px;display:flex;align-items:center;gap:12px;transform:translateX(-120%);transition:transform 0.5s cubic-bezier(0.34,1.56,0.64,1);border-left:4px solid var(--blue);}
#sp-popup.show{transform:translateX(0);}
.sp-av{width:42px;height:42px;border-radius:50%;flex-shrink:0;background:var(--navy);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:0.85rem;color:var(--blue);}
.sp-name{font-weight:700;font-size:0.85rem;color:var(--navy);}
.sp-detail{font-size:0.78rem;color:var(--gray-600);line-height:1.4;margin-top:2px;}

/* ── CHAT ── */
#chat-bubble{position:fixed;bottom:1.5rem;right:1.5rem;z-index:9998;width:58px;height:58px;background:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 4px 20px rgba(74,144,217,0.45);transition:all 0.25s;}
#chat-bubble:hover{transform:scale(1.08);}
.chat-badge{position:absolute;top:-3px;right:-3px;width:18px;height:18px;background:#ef4444;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:0.65rem;font-weight:700;color:var(--white);border:2px solid var(--white);}
#chat-window{position:fixed;bottom:5.5rem;right:1.5rem;z-index:9997;width:345px;max-height:550px;background:var(--white);border-radius:20px;box-shadow:0 20px 60px rgba(0,0,0,0.2);display:flex;flex-direction:column;transform:scale(0.85) translateY(20px);opacity:0;transform-origin:bottom right;transition:all 0.3s cubic-bezier(0.34,1.2,0.64,1);pointer-events:none;}
#chat-window.open{transform:scale(1) translateY(0);opacity:1;pointer-events:all;}
.chat-head{background:var(--navy);border-radius:20px 20px 0 0;padding:1rem 1.25rem;display:flex;align-items:center;gap:10px;}
.chat-head-av{width:36px;height:36px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:0.85rem;color:var(--white);flex-shrink:0;}
.chat-head-info{flex:1;}
.chat-head-name{font-family:var(--font-head);font-weight:600;color:var(--white);font-size:0.92rem;}
.chat-head-status{font-size:0.72rem;color:var(--blue);display:flex;align-items:center;gap:4px;}
.chat-head-status::before{content:'';width:6px;height:6px;background:#22c55e;border-radius:50%;}
.chat-head-close{background:none;border:none;color:rgba(255,255,255,0.5);cursor:pointer;font-size:1.1rem;padding:0;}
#chat-body{flex:1;overflow-y:auto;padding:1rem;display:flex;flex-direction:column;gap:0.75rem;max-height:300px;}
.chat-msg{max-width:85%;}
.chat-msg.bot{align-self:flex-start;}
.chat-msg.user{align-self:flex-end;}
.chat-bubble-inner{padding:0.65rem 0.9rem;border-radius:12px;font-size:0.85rem;line-height:1.5;}
.chat-msg.bot .chat-bubble-inner{background:#f0f4f8;color:var(--navy);border-radius:4px 12px 12px 12px;}
.chat-msg.user .chat-bubble-inner{background:var(--navy);color:var(--white);border-radius:12px 12px 4px 12px;}
#chat-intake{padding:1rem;border-top:1px solid var(--gray-200);}
#chat-intake h4{font-size:0.88rem;color:var(--navy);margin-bottom:0.75rem;}
#chat-quick{display:none;flex-wrap:wrap;gap:0.4rem;padding:0.5rem 1rem 0;}
.chat-quick-btn{background:#f0f4f8;color:var(--navy);border:none;border-radius:20px;padding:0.4rem 0.85rem;font-size:0.75rem;cursor:pointer;transition:all 0.2s;font-family:var(--font-body);}
.chat-quick-btn:hover{background:var(--blue-pale);color:var(--blue-dark);}
#chat-input-wrap{display:none;gap:0.5rem;padding:0.5rem 1rem 0.75rem;}
#chat-input{flex:1;padding:0.55rem 0.85rem;border:1.5px solid var(--gray-200);border-radius:20px;font-family:var(--font-body);font-size:0.85rem;color:var(--navy);outline:none;}
#chat-input:focus{border-color:var(--blue-dark);}
#chat-send{background:var(--blue);border:none;border-radius:50%;width:36px;height:36px;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all 0.2s;}
#chat-send:hover{background:#5CA0E8;}

/* ── EXIT MODAL ── */
#exit-modal{display:none;position:fixed;inset:0;z-index:10000;background:rgba(10,20,40,0.88);backdrop-filter:blur(4px);align-items:center;justify-content:center;padding:1.5rem;}
#exit-modal.show{display:flex;}
#exit-modal-box{background:var(--white);border-radius:20px;max-width:460px;width:100%;overflow:hidden;position:relative;animation:modalIn 0.35s cubic-bezier(0.4,0,0.2,1);}
@keyframes modalIn{from{opacity:0;transform:scale(0.92) translateY(16px)}to{opacity:1;transform:scale(1) translateY(0)}}
#exit-modal-top{background:var(--navy);padding:2rem 2rem 1.5rem;text-align:center;}
#exit-modal-top h2{color:var(--white);font-family:var(--font-head);font-size:1.4rem;margin-bottom:0.5rem;}
#exit-modal-top p{color:rgba(255,255,255,0.6);font-size:0.88rem;margin:0;}
.em-badge{display:inline-block;background:rgba(74,144,217,0.15);border:1px solid rgba(74,144,217,0.3);color:var(--blue);font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;padding:0.3rem 0.9rem;border-radius:100px;margin-bottom:1rem;}
#exit-modal-body{padding:1.75rem 2rem;}
#exit-modal-close{position:absolute;top:1rem;right:1rem;background:rgba(255,255,255,0.1);border:none;color:rgba(255,255,255,0.6);width:28px;height:28px;border-radius:50%;cursor:pointer;font-size:1rem;display:flex;align-items:center;justify-content:center;}
.em-input{width:100%;padding:0.75rem 1rem;border:1.5px solid var(--gray-200);border-radius:8px;font-family:var(--font-body);font-size:0.9rem;color:var(--navy);margin-bottom:0.85rem;box-sizing:border-box;}
.em-btn{width:100%;background:var(--blue);color:var(--white);font-family:var(--font-head);font-weight:700;font-size:0.95rem;padding:0.9rem;border:none;border-radius:8px;cursor:pointer;transition:all 0.2s;}
.em-btn:hover{background:#5CA0E8;}
.em-skip{text-align:center;margin-top:0.85rem;font-size:0.78rem;color:var(--gray-400);cursor:pointer;}
.em-trust{display:flex;justify-content:center;gap:1.5rem;margin-top:1rem;flex-wrap:wrap;font-size:0.72rem;color:var(--gray-400);}

/* ── REVIEW MARQUEE ── */
.rv-track-wrap{overflow:hidden;position:relative;margin-bottom:1.25rem;}
.rv-track-wrap::before,.rv-track-wrap::after{content:'';position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none;}
.rv-track-wrap::before{left:0;background:linear-gradient(to right,var(--navy),transparent);}
.rv-track-wrap::after{right:0;background:linear-gradient(to left,var(--navy),transparent);}
.rv-track{display:flex;gap:1.25rem;animation:marquee-left 60s linear infinite;}
.rv-track.reverse{animation:marquee-right 65s linear infinite;}
.rv-track.slow{animation:marquee-left 75s linear infinite;}
.rv-track-wrap:hover .rv-track{animation-play-state:paused;}
@keyframes marquee-left{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
@keyframes marquee-right{0%{transform:translateX(-50%)}100%{transform:translateX(0)}}
.rv-card{background:rgba(255,255,255,0.06);border:1px solid rgba(74,144,217,0.12);border-radius:16px;padding:1.5rem;min-width:300px;max-width:300px;flex-shrink:0;transition:all 0.2s;}
.rv-card:hover{background:rgba(255,255,255,0.09);border-color:rgba(74,144,217,0.3);}
.rv-stars{color:var(--gold);font-size:0.9rem;margin-bottom:0.75rem;letter-spacing:2px;}
.rv-text{color:rgba(255,255,255,0.75);font-size:0.85rem;line-height:1.6;margin-bottom:1rem;font-style:italic;}
.rv-author{display:flex;align-items:center;gap:10px;}
.rv-av{width:36px;height:36px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;font-size:0.75rem;color:var(--white);flex-shrink:0;}
.rv-name{font-weight:600;font-size:0.83rem;color:var(--white);}
.rv-meta{font-size:0.72rem;color:rgba(255,255,255,0.45);margin-top:2px;}
.rv-funded{font-size:0.7rem;color:var(--blue);margin-top:2px;font-weight:600;}

/* ── UTILITY ── */
.text-blue{color:var(--blue);}
.text-white{color:var(--white);}
.text-center{text-align:center;}
.mt-1{margin-top:0.5rem;}.mt-2{margin-top:1rem;}.mt-3{margin-top:1.5rem;}.mt-4{margin-top:2rem;}
.mb-2{margin-bottom:1rem;}.mb-3{margin-bottom:1.5rem;}.mb-4{margin-bottom:2rem;}
.divider{border:none;border-top:1px solid var(--gray-200);margin:2rem 0;}

/* ── ANIMATIONS ── */
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:0.6;transform:scale(0.85)}}
@keyframes fadeUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
.animate-fadeup{animation:fadeUp 0.6s ease both;}
.animate-delay-1{animation-delay:0.1s;}
.animate-delay-2{animation-delay:0.2s;}
.animate-delay-3{animation-delay:0.3s;}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;gap:2rem;}
}
@media(max-width:768px){
  .nav-links{display:none;}
  .nav-burger{display:flex;}
  .nav-mobile.open{display:block;}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;text-align:center;}
  h1{font-size:2rem;}h2{font-size:1.6rem;}
  .section{padding:3.5rem 0;}
  .page-hero{padding:8rem 0 3.5rem;}
  #chat-window{width:calc(100vw - 2rem);right:1rem;}
  .f-row2{grid-template-columns:1fr;}
}
@media(max-width:480px){
  .container{padding:0 1.25rem;}
  .cta-band .btn-group{flex-direction:column;align-items:center;}
}