/* NonQM Rates — modern fintech aesthetic */
/* MIAMI / CALIFORNIA THEME — sunny, coastal, high-energy. Legacy var names kept. */
:root {
  --navy: #0A2540;
  --navy-2: #103A63;
  --navy-3: #155084;
  --emerald: #FF6B6B;
  --emerald-dark: #D94848;
  --emerald-soft: #FFE8E4;
  --mint: #5EEAD4;
  --cyan: #0EA5E9;
  --lime: #FCD34D;
  --grad-hot: linear-gradient(135deg, #FF7A59 0%, #F43F5E 100%);
  --grad-ocean: linear-gradient(135deg, #0EA5E9 0%, #22D3EE 100%);
  --glow: 0 0 28px rgba(244, 63, 94, .35);
  --white: #ffffff;
  --ink: #16283D;
  --gray-500: #64748B;
  --gray-600: #55677D;
  --gray-100: #EDF1F6;
  --gray-50: #F7F9FC;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(10, 22, 40, 0.10);
  --maxw: 1140px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--emerald-dark); }
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
section { padding: 72px 0; }
h1, h2, h3 { line-height: 1.2; letter-spacing: -0.02em; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.3rem); font-weight: 750; margin-bottom: 14px; }
h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; }
p { margin-bottom: 1em; color: var(--gray-600); }
.section-sub { font-size: 1.1rem; max-width: 720px; }
.eyebrow {
  display: inline-block; font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--emerald-dark);
  margin-bottom: 12px;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.94); backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(14, 165, 233, 0.18);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-logo { height: 46px; width: auto; display: block; }
.brand-mark {
  width: 36px; height: 36px; border-radius: 10px;
  background: var(--grad-hot);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 800; font-size: 1.1rem;
  box-shadow: 0 0 16px rgba(244,63,94,.45);
}
.brand-name { color: var(--navy); font-weight: 800; font-size: 1.15rem; letter-spacing: -0.01em; }
.brand-name span { color: var(--emerald); }
.nav-links { display: none; gap: 26px; list-style: none; }
.nav-links a { color: #33475F; text-decoration: none; font-weight: 500; font-size: 0.95rem; }
.nav-links a:hover { color: var(--emerald); }
.btn {
  display: inline-block; text-decoration: none; font-weight: 700; cursor: pointer;
  border: none; border-radius: 999px; padding: 13px 26px; font-size: 0.98rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-emerald { background: var(--grad-hot); color: #fff; box-shadow: 0 8px 26px rgba(244,63,94,.45), 0 2px 8px rgba(255,122,89,.35); }
.btn-emerald:hover { transform: translateY(-2px) scale(1.02); box-shadow: 0 12px 34px rgba(244,63,94,.55), 0 2px 10px rgba(255,122,89,.4); }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid rgba(10,37,64,.35); }
.btn-outline:hover { border-color: var(--emerald); color: var(--emerald-dark); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-3); }
.btn-sm { padding: 10px 20px; font-size: 0.9rem; }
.nav-cta { display: none; }
.hamburger { display: flex; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.hamburger span { width: 24px; height: 2px; background: var(--navy); border-radius: 2px; }
.mobile-menu { display: none; background: #fff; padding: 10px 20px 20px; border-bottom: 1px solid var(--gray-100); }
.mobile-menu.open { display: block; }
.mobile-menu a { display: block; color: var(--navy); text-decoration: none; padding: 12px 0; border-bottom: 1px solid var(--gray-100); font-weight: 500; }
.mobile-menu .btn { margin-top: 14px; text-align: center; }

/* ---------- Hero ---------- */
.hero {
  background: radial-gradient(700px 420px at 88% 8%, rgba(252,211,77,.55), transparent 60%),
              radial-gradient(1000px 560px at 10% 110%, rgba(34,211,238,.35), transparent 60%),
              linear-gradient(165deg, #0EA5E9 0%, #38BDF8 45%, #7DD3FC 100%);
  color: #fff; padding: 84px 0 72px; position: relative; overflow: hidden;
}
.hero-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,.75); border: 1px solid rgba(255,255,255,.9); color: #B4232F; font-size: .8rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: 9px 18px; border-radius: 999px; margin-bottom: 24px; }
.pulse-dot { width: 8px; height: 8px; border-radius: 50%; background: #F43F5E; animation: pulse 2.2s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(244,63,94,.55); } 70% { box-shadow: 0 0 0 11px rgba(244,63,94,0); } 100% { box-shadow: 0 0 0 0 rgba(244,63,94,0); } }
.hero h1 { color: #fff; margin-bottom: 16px; text-shadow: 0 2px 18px rgba(10,37,64,.25); }
.hero h1 .accent { background: linear-gradient(92deg, #FFE29A 0%, #FF9E7A 60%, #F43F5E 100%); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero p.lead { color: #F0F9FF; font-size: 1.15rem; max-width: 640px; margin-bottom: 30px; text-shadow: 0 1px 10px rgba(10,37,64,.2); }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-mini { display: flex; gap: 22px; flex-wrap: wrap; color: #E0F2FE; font-size: 0.9rem; font-weight: 500; }
.hero-mini strong { color: #fff; }
.hero-inner { max-width: 1140px; margin: 0 auto; padding: 0 20px; }

/* ---------- Trust bar ---------- */
.trustbar { background: linear-gradient(90deg, #F43F5E, #FB7185 50%, #F43F5E); color: #fff; padding: 16px 0; }
.trustbar ul { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 34px; justify-content: center; font-weight: 700; font-size: 0.95rem; }
.trustbar li::before { content: "✓ "; color: #FFE29A; }

/* ---------- Cards ---------- */
.cards { display: grid; gap: 22px; grid-template-columns: 1fr; margin-top: 34px; }
.card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow); text-decoration: none; color: inherit;
  transition: transform .18s ease, box-shadow .18s ease; display: flex; flex-direction: column;
}
a.card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(10,37,64,.16), 0 0 0 2px rgba(14,165,233,.5), 0 0 26px rgba(14,165,233,.25); }
.card-icon {
  width: 48px; height: 48px; border-radius: 12px; margin-bottom: 16px;
  background: linear-gradient(135deg, #E0F2FE, #BAE6FD); box-shadow: 0 4px 14px rgba(14,165,233,.35); display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.card h3 { color: var(--navy); }
.card p { font-size: 0.96rem; margin-bottom: 14px; flex-grow: 1; }
.card .card-link { color: var(--emerald-dark); font-weight: 700; font-size: 0.95rem; }

/* ---------- Steps ---------- */
.steps { display: grid; gap: 22px; grid-template-columns: 1fr; margin-top: 34px; counter-reset: step; }
.step { background: var(--gray-50); border-radius: var(--radius); padding: 30px 26px; position: relative; border: 1px solid var(--gray-100); }
.step-num {
  width: 44px; height: 44px; border-radius: 50%; background: var(--grad-hot); color: var(--navy);
  font-weight: 800; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; font-size: 1.1rem;
  box-shadow: var(--glow);
}

/* ---------- FAQ ---------- */
.faq { margin-top: 30px; max-width: 820px; }
.faq details { background: #fff; border: 1px solid var(--gray-100); border-radius: 10px; margin-bottom: 12px; box-shadow: var(--shadow); }
.faq summary { cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--emerald-dark); font-size: 1.4rem; font-weight: 400; flex-shrink: 0; }
.faq details[open] summary::after { content: "–"; }
.faq .faq-body { padding: 0 22px 20px; color: var(--gray-600); }

/* ---------- Lead form ---------- */
.lead-section { background: linear-gradient(180deg, var(--gray-50), #fff); }
.form-card {
  background: #fff; border-radius: 18px; box-shadow: 0 20px 60px rgba(10,37,64,.12), 0 0 32px rgba(244,63,94,.16);
  padding: 36px 30px; max-width: 640px; margin: 30px auto 0; border-top: 5px solid #F43F5E;
}
.form-card h3 { font-size: 1.4rem; margin-bottom: 6px; }
.form-card > p { font-size: 0.95rem; margin-bottom: 22px; }
.form-grid { display: grid; gap: 16px; grid-template-columns: 1fr; }
.field label { display: block; font-weight: 600; font-size: 0.88rem; margin-bottom: 6px; color: var(--navy); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid #D8E0E9; border-radius: 10px;
  font-size: 1rem; font-family: inherit; background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--cyan); box-shadow: 0 0 0 3px rgba(14,165,233,.18); }
.field textarea { min-height: 96px; resize: vertical; }
.form-note { font-size: 0.82rem; color: var(--gray-500); margin-top: 14px; text-align: center; }
.form-success {
  display: none; background: #E0F2FE; border: 1.5px solid #7DD3FC; color: var(--navy);
  border-radius: 10px; padding: 18px; margin-top: 18px; font-weight: 600; text-align: center;
}
.form-error { display: none; background: #FDECEC; border: 1.5px solid #F3A6A6; color: #8F1D1D; border-radius: 10px; padding: 18px; margin-top: 18px; font-weight: 600; text-align: center; }

/* ---------- Page hero (subpages) ---------- */
.page-hero { background: radial-gradient(700px 380px at 85% 0%, rgba(252,211,77,.4), transparent 60%), linear-gradient(165deg, #E0F2FE 0%, #F0F9FF 70%, #FFF7ED 100%); color: var(--navy); padding: 64px 0 54px; }
.page-hero h1 { color: var(--navy); margin-bottom: 12px; }
.page-hero p { color: #3E5A7A; font-size: 1.08rem; max-width: 700px; margin-bottom: 0; }
.breadcrumb { font-size: 0.85rem; color: #8FA1B5; margin-bottom: 14px; }
.breadcrumb a { color: var(--emerald); text-decoration: none; }

/* ---------- Content ---------- */
.prose { max-width: 780px; }
.prose h2 { margin: 34px 0 12px; }
.prose h3 { margin: 26px 0 8px; }
.prose ul, .prose ol { margin: 0 0 1em 1.4em; color: var(--gray-600); }
.prose li { margin-bottom: 0.5em; }
.checklist { list-style: none; margin-left: 0 !important; padding: 0; }
.checklist li { padding-left: 30px; position: relative; margin-bottom: 12px; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--emerald-dark); font-weight: 800; }
.two-col { display: grid; gap: 26px; grid-template-columns: 1fr; margin-top: 26px; }
.callout {
  background: var(--emerald-soft); border-left: 4px solid var(--emerald);
  border-radius: 0 12px 12px 0; padding: 20px 22px; margin: 26px 0;
}
.callout p { margin: 0; color: var(--ink); }
.placeholder-note {
  background: #FFF7E8; border: 1.5px dashed var(--emerald-dark); border-radius: 10px;
  padding: 14px 18px; font-size: 0.9rem; color: #7A5A1F; margin: 18px 0;
}

/* ---------- Blog ---------- */
.post-card { display: flex; flex-direction: column; }
.post-meta { font-size: 0.85rem; color: var(--gray-500); margin-bottom: 8px; }
.post-card h3 { font-size: 1.25rem; }
.article-body h2 { margin-top: 38px; }
.article-hero { background: var(--gray-50); border-radius: var(--radius); padding: 34px 30px; margin-bottom: 10px; border: 1px solid var(--gray-100); }
.article-hero .post-meta { margin-bottom: 10px; }
.toc { background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: 12px; padding: 22px 26px; margin: 26px 0; max-width: 780px; }
.toc strong { display: block; margin-bottom: 10px; color: var(--navy); }
.toc ul { margin: 0 0 0 1.2em; }
.toc li { margin-bottom: 6px; }
.toc a { text-decoration: none; color: var(--navy); font-weight: 500; }
.toc a:hover { color: var(--emerald-dark); }

/* ---------- Chat widget ---------- */
.chat-fab {
  position: fixed; right: 20px; bottom: 20px; z-index: 200;
  background: linear-gradient(135deg, var(--emerald), var(--emerald-dark)); color: var(--navy);
  border: none; border-radius: 999px; padding: 15px 22px; font-weight: 800; font-size: 0.95rem;
  cursor: pointer; box-shadow: 0 12px 30px rgba(244,63,94,.5);
  display: flex; align-items: center; gap: 8px; font-family: inherit;
  animation: chatWander 7s ease-in-out infinite;
  will-change: transform;
}
.chat-fab:hover, .chat-fab:focus-visible { animation-play-state: paused; }
@keyframes chatWander {
  0%, 100% { transform: translate(0, 0) rotate(0deg); }
  20% { transform: translate(-6px, -9px) rotate(-2deg); }
  40% { transform: translate(6px, -4px) rotate(2deg); }
  60% { transform: translate(-5px, 5px) rotate(-1.5deg); }
  80% { transform: translate(6px, 8px) rotate(1.5deg); }
}
@media (prefers-reduced-motion: reduce) { .chat-fab { animation: none; } }
.chat-fab .fab-avatar { width: 28px; height: 28px; border-radius: 50%; background: #fff; object-fit: contain; flex-shrink: 0; }
.chat-panel {
  position: fixed; right: 20px; bottom: 86px; z-index: 200; width: min(360px, calc(100vw - 40px));
  background: #fff; border-radius: 16px; box-shadow: 0 24px 70px rgba(10,22,40,.28);
  overflow: hidden; display: none; border: 1px solid var(--gray-100);
}
.chat-panel.open { display: block; }
.chat-head { background: var(--navy); color: #fff; padding: 16px 18px; display: flex; align-items: center; gap: 12px; }
.chat-head .head-avatar { width: 40px; height: 40px; border-radius: 50%; background: #fff; object-fit: contain; flex-shrink: 0; }
.chat-head strong { display: block; font-size: 1rem; }
.chat-head span { font-size: 0.82rem; color: #9FB0C3; }
.chat-body { padding: 16px 18px; max-height: 320px; overflow-y: auto; }
.chat-msg { background: var(--gray-50); border-radius: 12px; padding: 12px 14px; font-size: 0.92rem; margin-bottom: 10px; color: var(--ink); }
.chat-msg.bot { border-left: 3px solid var(--emerald); }
.chat-quick { display: flex; flex-direction: column; gap: 8px; padding: 0 18px 18px; }
.chat-quick button {
  text-align: left; background: #fff; border: 1.5px solid var(--gray-100); border-radius: 10px;
  padding: 11px 14px; font-size: 0.9rem; font-weight: 600; color: var(--navy); cursor: pointer; font-family: inherit;
}
.chat-quick button:hover { border-color: var(--emerald); background: var(--emerald-soft); }
.chat-quick a.chat-telbtn {
  display: block; text-align: left; background: #fff; border: 1.5px solid var(--gray-100); border-radius: 10px;
  padding: 11px 14px; font-size: 0.9rem; font-weight: 600; color: var(--navy); font-family: inherit; text-decoration: none;
}
.chat-quick a.chat-telbtn:hover { border-color: var(--emerald); background: var(--emerald-soft); }
.chat-msg a.chat-tel { color: var(--navy); font-weight: 700; text-decoration: underline; }

/* ---------- Geo / service-area tabs ---------- */
.geo-section { padding: 72px 0; background: linear-gradient(180deg, #F0F9FF 0%, #fff 100%); }
.geo-tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin: 30px 0 24px; }
.geo-tab {
  border: 1.5px solid var(--gray-100); background: #fff; border-radius: 999px;
  padding: 11px 26px; font-size: 0.95rem; font-weight: 700; color: var(--navy);
  cursor: pointer; font-family: inherit; transition: all .18s ease;
}
.geo-tab:hover { border-color: var(--emerald); color: var(--emerald-dark); }
.geo-tab.active {
  background: linear-gradient(135deg, var(--emerald) 0%, var(--emerald-dark) 100%);
  border-color: var(--emerald-dark); color: #fff; box-shadow: 0 6px 18px rgba(255,107,107,.28);
}
.geo-panels { max-width: 720px; margin: 0 auto; }
.geo-panel {
  display: none; background: #fff; border: 1px solid #E6F2FA; border-radius: 18px;
  padding: 34px 36px; box-shadow: 0 10px 34px rgba(10,37,64,.07); text-align: center;
}
.geo-panel.active { display: block; }
.geo-panel h3 { color: var(--navy); font-size: 1.5rem; margin-bottom: 10px; }
.geo-panel p { color: var(--ink); line-height: 1.65; }
.geo-cities { font-size: 0.88rem; color: var(--emerald-dark); font-weight: 600; margin-top: 12px; }
.geo-link { display: inline-block; margin-top: 14px; font-weight: 700; color: var(--emerald-dark); }
.geo-link:hover { text-decoration: underline; }
.geo-note { text-align: center; font-size: 0.8rem; color: var(--gray-500); margin-top: 22px; }

/* ---------- Coverage page ---------- */
.cov-group { margin: 44px 0; }
.cov-group h2 { color: var(--navy); font-size: 1.4rem; margin-bottom: 6px; }
.cov-group > p { color: var(--ink); margin-bottom: 20px; }
.coverage-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(148px, 1fr)); gap: 12px; }
.coverage-grid.licensed { grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); }
.cov-tile {
  display: block; background: #fff; border: 1.5px solid var(--gray-100); border-radius: 12px;
  padding: 14px 12px; text-align: center; text-decoration: none; transition: all .15s ease;
}
.cov-tile:hover { border-color: var(--emerald); background: var(--emerald-soft); }
.cov-tile.is-licensed { border-color: var(--emerald); background: linear-gradient(180deg, #FFF5F4 0%, #fff 100%); }
.cov-abbr { display: block; font-size: 1.35rem; font-weight: 800; color: var(--navy); letter-spacing: .06em; }
.cov-tile.is-licensed .cov-abbr { color: var(--emerald-dark); }
.cov-name { display: block; font-size: 0.82rem; color: var(--gray-500); margin-top: 2px; }
.cov-notice {
  background: #F0F9FF; border: 1px solid #D6EAFB; border-radius: 14px;
  padding: 22px 26px; margin: 36px 0; font-size: 0.92rem; color: var(--ink); line-height: 1.6;
}
.cov-notice p + p { margin-top: 10px; }
.cov-verify { color: var(--emerald-dark); }
.cov-cta { text-align: center; margin: 44px 0 8px; }
.cov-cta h2 { color: var(--navy); margin-bottom: 8px; }
.cov-cta .btn { margin-top: 14px; }

/* ---------- No-tax-returns pill badge ---------- */
.pill-notax {
  display: inline-block; margin: 14px 0 4px; padding: 9px 20px; border-radius: 999px;
  background: linear-gradient(135deg, var(--emerald) 0%, var(--emerald-dark) 100%);
  color: #fff; font-size: 0.85rem; font-weight: 800; letter-spacing: 0.04em;
  box-shadow: 0 6px 18px rgba(255,107,107,.3);
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #B9C6D6; padding: 56px 0 28px; font-size: 0.92rem; }
.footer-grid { display: grid; gap: 32px; grid-template-columns: 1fr; margin-bottom: 36px; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.site-footer ul { list-style: none; }
.site-footer ul li { margin-bottom: 9px; }
.site-footer a { color: #B9C6D6; text-decoration: none; }
.site-footer a:hover { color: var(--mint); }
.footer-brand .brand-name { font-size: 1.3rem; }
.footer-tag { color: var(--mint); font-style: italic; margin: 10px 0 16px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 22px; font-size: 0.82rem; color: #8FA1B5; }
.footer-bottom p { margin-bottom: 8px; color: #8FA1B5; }
.disclaimer { font-size: 0.78rem; line-height: 1.6; }

/* ---------- Responsive ---------- */
@media (min-width: 720px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(3, 1fr); }
  .form-grid.two { grid-template-columns: 1fr 1fr; }
  .two-col { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
}
@media (min-width: 960px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-block; }
  .hamburger { display: none; }
  .cards.three { grid-template-columns: repeat(3, 1fr); }
}

/* ---- Program Snapshot matrix ---- */
.matrix-wrap { background:#fff; border:1px solid var(--gray-100); border-radius:var(--radius); padding:34px 30px; box-shadow:var(--shadow); }
.matrix-wrap h2 { margin-bottom:4px; }
.table-scroll { overflow-x:auto; margin-top:18px; }
.matrix-table { width:100%; border-collapse:collapse; font-size:.95rem; min-width:460px; }
.matrix-table thead th { background:var(--navy); color:#fff; text-align:left; padding:12px 16px; font-size:.8rem; text-transform:uppercase; letter-spacing:.06em; }
.matrix-table thead th:first-child { border-radius:10px 0 0 0; }
.matrix-table thead th:last-child { border-radius:0 10px 0 0; }
.matrix-table tbody td { padding:12px 16px; border-bottom:1px solid var(--gray-100); }
.matrix-table tbody tr:nth-child(even) td { background:var(--gray-50); }
.matrix-table tbody td:first-child { font-weight:600; color:var(--navy); }
.matrix-table tbody td:last-child { color:var(--emerald-dark); font-weight:700; white-space:normal; }
.matrix-caption { font-size:.82rem; color:var(--gray-500); margin-top:12px; }

/* ---- Scenario CTA strip ---- */
.scenario-strip { background:linear-gradient(135deg,var(--navy),var(--navy-2)); color:#fff; text-align:center; padding:54px 0; }
.scenario-strip h2 { color:#fff; margin-bottom:10px; }
.scenario-strip p { color:#C3D0DE; max-width:640px; margin:0 auto 22px; }

/* ---- Tough-deal band (homepage) ---- */
.tough-deal-band { background:linear-gradient(135deg,rgba(14,165,233,.14),rgba(244,63,94,.06)); border-top:1px solid rgba(14,165,233,.35); border-bottom:1px solid rgba(14,165,233,.35); text-align:center; }
.tough-deal-band p { max-width:640px; margin:0 auto 22px; }

/* ---- Pricing page ---- */
.pricing-banner { background:var(--navy); color:#fff; border-radius:var(--radius); padding:26px 28px; border-left:5px solid var(--emerald); margin:26px 0 6px; }
.pricing-banner p { color:#C3D0DE; margin:0; font-size:1.02rem; }
.pricing-banner strong { color:var(--emerald); }
.pricing-card form { margin-top:14px; }
.pricing-card .field { margin-bottom:10px; }
.pricing-card .form-note { margin-top:10px; }

/* ---- Scenario trust bullets ---- */
.trust-bullets { display:grid; gap:14px; margin:22px 0 0; padding:0; }
.trust-bullets li { list-style:none; display:flex; gap:12px; align-items:flex-start; background:var(--gray-50); border:1px solid var(--gray-100); border-radius:var(--radius); padding:14px 16px; color:var(--ink); font-size:.96rem; }
.trust-bullets .tb-icon { color:var(--emerald-dark); font-weight:800; flex-shrink:0; }

/* Equal Housing Opportunity logo in footer */
.footer-bottom { overflow: hidden; }
.eho-logo { width: 52px; height: auto; float: left; margin: 2px 14px 10px 0; }

/* Umbrella-company disclosure modal */
.company-modal-overlay { position: fixed; inset: 0; background: rgba(4,12,24,.72); display: none; align-items: center; justify-content: center; z-index: 3000; padding: 20px; }
.company-modal-overlay.open { display: flex; }
.company-modal { background: #fff; color: #0A1628; max-width: 540px; width: 100%; max-height: 86vh; overflow-y: auto; border-radius: 14px; padding: 30px 30px 26px; position: relative; box-shadow: 0 24px 60px rgba(0,0,0,.35); }
.company-modal h2 { margin: 0 0 6px; font-size: 1.35rem; }
.company-modal .modal-sub { color: #0EA5E9; font-weight: 700; margin-bottom: 12px; }
.company-modal p { margin: 0 0 12px; line-height: 1.55; }
.company-modal ul.licenses { list-style: none; padding: 0; margin: 0 0 14px; }
.company-modal ul.licenses li { padding: 4px 0; border-bottom: 1px solid #eef1f5; font-size: .93rem; }
.company-modal .modal-addr { background: #f4f6f9; border-radius: 8px; padding: 12px 14px; font-size: .92rem; }
.company-modal .modal-close { position: absolute; top: 10px; right: 14px; background: none; border: none; font-size: 1.6rem; line-height: 1; cursor: pointer; color: #5a6b80; }
.company-modal a { color: #0A1628; text-decoration: underline; }
.company-link { margin: 10px 0 0; }
.company-link a { color: #0EA5E9; font-weight: 600; text-decoration: none; cursor: pointer; }
.company-link a:hover { text-decoration: underline; }

.chat-msg.user { background: var(--grad-hot); color: #fff; margin-left: 44px; }
.chat-msg.bot a { color: #0284C7; font-weight: 700; }
.chat-inputrow { display: flex; gap: 8px; padding: 2px 14px 14px; }
.chat-inputrow input { flex: 1; min-width: 0; border: 1.5px solid #D8E0E9; border-radius: 999px; padding: 11px 16px; font-size: 0.9rem; font-family: inherit; }
.chat-inputrow input:focus { outline: none; border-color: var(--cyan); box-shadow: 0 0 0 3px rgba(14,165,233,.15); }
.chat-inputrow button { width: 44px; height: 44px; border-radius: 50%; border: none; background: var(--grad-hot); color: #fff; font-size: 1.05rem; cursor: pointer; flex-shrink: 0; }
.chat-typing { opacity: .65; font-style: italic; }

/* Share strip */
.share-strip { padding: 40px 0 8px; }
.share-label { font-weight: 700; font-size: .95rem; color: var(--gray-700); display: block; margin-bottom: 12px; }
.share-btns { display: flex; flex-wrap: wrap; gap: 10px; }
.share-btn { display: inline-flex; align-items: center; gap: 6px; padding: 10px 18px; border-radius: 999px; border: 1px solid var(--gray-300); background: #fff; font-weight: 600; font-size: .9rem; cursor: pointer; color: var(--navy, #0a2240); text-decoration: none; }
.share-btn:hover { border-color: var(--coral, #ff6b5a); color: var(--coral, #ff6b5a); }

.compliance-micro{font-size:.62rem;line-height:1.65;color:rgba(255,255,255,.48);margin-top:14px;border-top:1px solid rgba(255,255,255,.07);padding-top:12px}
.compliance-micro p{margin:0 0 6px;color:rgba(255,255,255,.48)}
.compliance-micro a{color:rgba(255,255,255,.6);text-decoration:underline}
.compliance-micro strong{color:rgba(255,255,255,.65)}

/* ---------- Sticky mobile CTA bar (paid landing pages) ---------- */
.sticky-cta-bar { display: none; }
@media (max-width: 768px) {
  body.has-sticky-cta { padding-bottom: 78px; }
  body.has-sticky-cta .sticky-cta-bar {
    display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 190;
    gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom, 0px));
    background: rgba(255,255,255,.98); border-top: 1px solid var(--gray-100);
    box-shadow: 0 -6px 24px rgba(2,6,23,.08);
  }
  body.has-sticky-cta .sticky-cta-bar .btn { flex: 1; margin: 0; text-align: center; padding: 12px 8px; font-size: .95rem; }
  body.has-sticky-cta .chat-fab { bottom: 88px; }
}