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

:root {
  --blue-900: #1e3a8a;
  --blue-700: #1d4ed8;
  --blue-600: #2563eb;
  --blue-500: #3b82f6;
  --blue-100: #dbeafe;
  --blue-50:  #eff6ff;
  --green-600: #16a34a;
  --green-700: #15803d;
  --green-50:  #f0fdf4;
  --slate-50:  #f8fafc;
  --slate-100: #f1f5f9;
  --slate-300: #cbd5e1;
  --slate-500: #64748b;
  --slate-700: #334155;
  --slate-900: #0f172a;
  --white:     #ffffff;
  --red-500:   #ef4444;
  --amber-600: #d97706;
  --amber-50:  #fffbeb;
  --radius:    8px;
  --shadow:    0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', Arial, sans-serif;
  color: var(--slate-700);
  background: var(--slate-50);
  line-height: 1.6;
}

a { text-decoration: none; color: inherit; }

/* ===== CONTAINER ===== */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ===== NAVBAR ===== */
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 40px;
  background: var(--white);
  border-bottom: 2px solid var(--blue-100);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-logo { display: flex; align-items: center; }
.logo-svg { height: 48px; width: auto; }

.nav-links { display: flex; gap: 28px; }
.nav-links a {
  font-weight: 500;
  font-size: 15px;
  color: var(--slate-700);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: all 0.2s;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--blue-600);
  border-bottom-color: var(--blue-600);
}

.nav-cta {
  background: var(--green-600);
  color: var(--white);
  padding: 10px 22px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 14px;
  transition: background 0.2s;
}
.nav-cta:hover { background: var(--green-700); }

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 12px 32px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
}
.btn-green {
  background: var(--green-600);
  color: var(--white);
}
.btn-green:hover { background: var(--green-700); }
.btn-lg { padding: 16px 40px; font-size: 17px; }
.btn-outline {
  background: transparent;
  color: var(--slate-500);
  border: 2px solid var(--slate-300);
}
.btn-outline:hover {
  border-color: var(--blue-600);
  color: var(--blue-600);
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-600) 100%);
  color: var(--white);
  text-align: center;
  padding: 70px 20px 110px;
}
.hero-content {
  max-width: 700px;
  margin: 0 auto;
}
.hero h1 {
  font-size: 48px;
  font-weight: 800;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}
.hero-sub {
  font-size: 20px;
  opacity: 0.9;
  max-width: 600px;
  margin: 0 auto 36px;
}

/* Hero Brand Name */
.hero-brand-name {
  margin-bottom: 16px;
  animation: heroLogoFade 0.8s ease-out;
}
.hero-brand-main {
  display: block;
  font-size: 52px;
  font-weight: 800;
  letter-spacing: -1px;
  color: var(--white);
  line-height: 1.1;
}
.hero-brand-sub {
  display: block;
  font-size: 36px;
  font-weight: 300;
  color: rgba(147, 197, 253, 0.9);
  letter-spacing: 2px;
  line-height: 1.2;
}

/* Hero Logo */
.hero-logo { margin-bottom: 24px; }
.hero-logo-svg {
  width: 100px;
  height: 100px;
  filter: drop-shadow(0 4px 16px rgba(0,0,0,0.2));
  animation: heroLogoFade 1s ease-out;
}

@keyframes heroLogoFade {
  from { opacity: 0; transform: scale(0.8) translateY(10px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}

/* ===== TRUST BAR ===== */
.trust-bar {
  display: flex;
  justify-content: center;
  gap: 48px;
  padding: 40px 20px;
  background: var(--white);
  border-bottom: 1px solid var(--blue-100);
  flex-wrap: wrap;
}
.trust-item { display: flex; align-items: center; gap: 14px; }
.trust-icon { font-size: 32px; }
.trust-item strong { color: var(--blue-900); font-size: 15px; }
.trust-item p { font-size: 13px; color: var(--slate-500); margin: 0; }

/* ===== HOW IT WORKS ===== */
.how-it-works {
  text-align: center;
  padding: 80px 20px;
}
.how-it-works h2 {
  font-size: 32px;
  color: var(--blue-900);
  margin-bottom: 48px;
}
.steps-grid {
  display: flex;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
  max-width: 900px;
  margin: 0 auto;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--blue-100);
  border-radius: 12px;
  padding: 36px 28px;
  width: 260px;
  box-shadow: var(--shadow);
}
.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--blue-600);
  color: var(--white);
  font-size: 22px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.step-card h3 { color: var(--blue-900); margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--slate-500); }

/* ===== BOND TYPES (HOME) ===== */
.bond-types {
  background: var(--blue-50);
  text-align: center;
  padding: 80px 20px;
}
.bond-types h2 {
  font-size: 32px;
  color: var(--blue-900);
  margin-bottom: 48px;
}
.bond-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
}
.bond-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px;
  border-left: 4px solid var(--blue-600);
  text-align: left;
  box-shadow: var(--shadow);
  transition: transform 0.2s, box-shadow 0.2s;
}
.bond-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.bond-card h4 { color: var(--blue-900); margin-bottom: 8px; }
.bond-card p { font-size: 14px; color: var(--slate-500); }

/* ===== CTA SECTION ===== */
.cta-section {
  text-align: center;
  padding: 80px 20px;
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  color: var(--white);
}
.cta-section h2 { font-size: 32px; margin-bottom: 12px; }
.cta-section p { font-size: 18px; opacity: 0.9; margin-bottom: 32px; }

/* ===== FOOTER ===== */
.footer {
  background: var(--slate-900);
  color: var(--slate-300);
  padding: 48px 40px 0;
}
.footer-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
  padding-bottom: 32px;
  border-bottom: 1px solid #1e293b;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid #1e293b;
}
.footer-grid h3 { color: var(--white); font-size: 16px; margin-bottom: 8px; }
.footer-grid h4 { color: var(--slate-300); font-size: 14px; margin-bottom: 12px; }
.footer-grid a {
  display: block;
  font-size: 14px;
  color: var(--slate-500);
  margin-bottom: 8px;
  transition: color 0.2s;
}
.footer-grid a:hover { color: var(--white); }
.footer-brand p { margin-top: 8px; font-size: 14px; }
.logo-footer { height: 40px; }
.footer-links { display: flex; gap: 24px; }
.footer-links a { font-size: 14px; transition: color 0.2s; }
.footer-links a:hover { color: var(--white); }
.footer-bottom { text-align: center; padding: 20px 0; font-size: 13px; }

/* ===== QUOTE PAGE ===== */
.quote-page {
  min-height: calc(100vh - 160px);
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 48px 20px;
  background: var(--blue-50);
}
.quote-container {
  background: var(--white);
  border-radius: 16px;
  padding: 48px 40px;
  max-width: 580px;
  width: 100%;
  box-shadow: var(--shadow-lg);
}

/* Progress Bar */
.progress-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 40px;
}
.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}
.progress-step span { font-size: 11px; color: var(--slate-500); }
.step-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--slate-300);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  transition: background 0.3s;
}
.progress-step.active .step-dot { background: var(--blue-600); }
.progress-step.done .step-dot   { background: var(--green-600); }
.progress-line {
  flex: 1;
  height: 3px;
  background: var(--slate-300);
  margin: 0 8px;
  margin-bottom: 20px;
  max-width: 60px;
}

/* Form Steps */
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s ease; }

@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

.form-step h2 { color: var(--blue-900); font-size: 24px; margin-bottom: 6px; }
.step-desc { color: var(--slate-500); font-size: 15px; margin-bottom: 28px; }

/* Fields */
.field-group { margin-bottom: 20px; }
.field-group label {
  display: block;
  font-weight: 600;
  font-size: 14px;
  color: var(--slate-700);
  margin-bottom: 6px;
}
.required { color: var(--red-500); }

.field-group select,
.field-group input {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid var(--slate-300);
  border-radius: var(--radius);
  font-size: 15px;
  color: var(--slate-900);
  transition: border-color 0.2s;
  background: var(--white);
}
.field-group select:focus,
.field-group input:focus {
  outline: none;
  border-color: var(--blue-600);
}
.field-group select.error,
.field-group input.error { border-color: var(--red-500); }

.field-error {
  display: block;
  color: var(--red-500);
  font-size: 13px;
  margin-top: 4px;
  min-height: 18px;
}

.field-row { display: flex; gap: 16px; }
.field-row .field-group { flex: 1; }
.btn-row { display: flex; gap: 12px; justify-content: flex-end; margin-top: 8px; }

/* Success */
.success-box { text-align: center; padding: 20px 0; }
.success-icon { font-size: 56px; margin-bottom: 16px; }
.success-box h2 { color: var(--green-600); margin-bottom: 10px; }
.success-box p { color: var(--slate-500); margin-bottom: 28px; }
.success-sub { font-size: 14px; color: var(--blue-600); margin-bottom: 24px; }

/* ===== CURRENCY INPUT ===== */
.currency-input { position: relative; display: flex; align-items: center; }
.currency-symbol {
  position: absolute;
  left: 14px;
  font-size: 16px;
  font-weight: 600;
  color: var(--slate-500);
  pointer-events: none;
  z-index: 1;
}
.currency-input input { padding-left: 30px !important; font-size: 16px; letter-spacing: 0.3px; }
.currency-input input.prefilled {
  background: var(--green-50);
  border-color: var(--green-600);
  color: var(--green-700);
  font-weight: 600;
}

/* Field Hints */
.field-hint { display: block; font-size: 12px; color: var(--slate-500); margin-top: 6px; line-height: 1.5; }
.field-hint-success {
  color: var(--green-700); background: var(--green-50);
  padding: 8px 12px; border-radius: 6px; border-left: 3px solid var(--green-600); font-size: 13px;
}
.field-hint-warning {
  color: var(--amber-600); background: var(--amber-50);
  padding: 8px 12px; border-radius: 6px; border-left: 3px solid var(--amber-600); font-size: 13px;
}
.field-hint-info {
  color: var(--blue-700); background: var(--blue-50);
  padding: 8px 12px; border-radius: 6px; border-left: 3px solid var(--blue-600); font-size: 13px;
}
.override-link { color: var(--blue-600); text-decoration: underline; cursor: pointer; font-weight: 500; }
.override-link:hover { color: var(--blue-900); }
#bondAmountGroup { animation: fadeIn 0.3s ease; }

/* ===== TEXTAREA ===== */
textarea {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid var(--slate-300);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: 'Segoe UI', Arial, sans-serif;
  color: var(--slate-900);
  transition: border-color 0.2s;
  background: var(--white);
  resize: vertical;
  min-height: 80px;
}
textarea:focus { outline: none; border-color: var(--blue-600); }
textarea.error { border-color: var(--red-500); }

/* ===== RADIO CARDS ===== */
.radio-group { display: flex; gap: 12px; margin-top: 4px; }
.radio-card { flex: 1; cursor: pointer; }
.radio-card input[type="radio"] { display: none; }
.radio-card-content {
  display: flex; align-items: center; gap: 12px;
  padding: 16px; border: 2px solid var(--slate-300);
  border-radius: 10px; transition: all 0.2s; background: var(--white);
}
.radio-card-content .radio-icon { font-size: 28px; flex-shrink: 0; }
.radio-card-content strong { display: block; color: var(--blue-900); font-size: 14px; }
.radio-card-content p { font-size: 12px; color: var(--slate-500); margin: 2px 0 0; }
.radio-card input[type="radio"]:checked + .radio-card-content {
  border-color: var(--blue-600); background: var(--blue-50);
  box-shadow: 0 0 0 1px var(--blue-600);
}
.radio-card:hover .radio-card-content { border-color: var(--blue-500); }

/* ===== REVIEW PAGE ===== */
.review-section {
  border: 1px solid var(--blue-100); border-radius: 10px;
  margin-bottom: 12px; cursor: pointer; transition: all 0.2s; overflow: hidden;
}
.review-section:hover { border-color: var(--blue-500); box-shadow: var(--shadow); }
.review-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 18px; background: var(--slate-50); border-bottom: 1px solid var(--blue-100);
}
.review-header h4 { font-size: 14px; color: var(--blue-900); margin: 0; }
.review-edit {
  font-size: 12px; font-weight: 600; color: var(--blue-600);
  padding: 4px 10px; border-radius: 4px; background: var(--blue-50);
}
.review-body { padding: 14px 18px; }
.review-row {
  display: flex; justify-content: space-between;
  padding: 6px 0; font-size: 14px; border-bottom: 1px solid var(--slate-100);
}
.review-row:last-child { border-bottom: none; }
.review-row span { color: var(--slate-500); }
.review-row strong { color: var(--slate-900); text-align: right; max-width: 60%; }
.review-agreement {
  margin: 20px 0 16px; padding: 16px;
  background: var(--amber-50); border: 1px solid var(--amber-600); border-radius: 10px;
}
.checkbox-label {
  display: flex; gap: 10px; align-items: flex-start;
  cursor: pointer; font-size: 14px; color: var(--slate-700); line-height: 1.5;
}
.checkbox-label input[type="checkbox"] {
  margin-top: 3px; width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--blue-600);
}

/* ===== NAV ACTIONS ===== */
.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-phone {
  display: flex; align-items: center; gap: 6px;
  font-size: 15px; font-weight: 600; color: var(--blue-900);
  text-decoration: none; padding: 8px 14px; border-radius: 8px;
  transition: all 0.2s; white-space: nowrap;
}
.nav-phone:hover { color: var(--blue-600); background: var(--blue-50); }
.nav-phone svg { color: var(--blue-600); flex-shrink: 0; }

/* ===== LEARN SUB-NAVIGATION ===== */
.learn-subnav {
  background: var(--white);
  border-bottom: 1px solid var(--blue-100);
  padding: 0 40px;
}
.learn-subnav-inner { max-width: 1100px; margin: 0 auto; display: flex; gap: 0; }
.learn-subnav a {
  display: inline-block; padding: 14px 24px; font-size: 14px;
  font-weight: 600; color: var(--slate-500); border-bottom: 3px solid transparent; transition: all 0.2s;
}
.learn-subnav a:hover { color: var(--blue-600); background: var(--blue-50); }
.learn-subnav a.active { color: var(--blue-600); border-bottom-color: var(--blue-600); }

/* ===== LEARN PAGE ===== */
.learn-hero {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-600) 100%);
  color: var(--white); padding: 72px 20px 80px; text-align: center;
}
.learn-hero-content { max-width: 700px; margin: 0 auto; }
.learn-badge {
  display: inline-block; background: rgba(255,255,255,0.15);
  padding: 6px 16px; border-radius: 20px; font-size: 14px; font-weight: 600; margin-bottom: 20px;
}
.learn-hero h1 { font-size: 42px; font-weight: 800; margin-bottom: 16px; letter-spacing: -0.5px; }
.learn-hero p { font-size: 18px; opacity: 0.9; line-height: 1.7; }
.learn-page { max-width: 1100px; margin: 0 auto; padding: 48px 20px 80px; }
.learn-layout { display: flex; gap: 48px; align-items: flex-start; }
.learn-sidebar { position: sticky; top: 90px; width: 220px; flex-shrink: 0; }
.sidebar-nav {
  background: var(--white); border-radius: 12px; padding: 24px;
  box-shadow: var(--shadow); border: 1px solid var(--blue-100);
}
.sidebar-nav h4 {
  font-size: 12px; text-transform: uppercase; letter-spacing: 1px;
  color: var(--slate-500); margin-bottom: 16px;
}
.sidebar-nav a {
  display: block; font-size: 14px; color: var(--slate-700);
  padding: 8px 0; border-bottom: 1px solid var(--slate-100); transition: color 0.2s;
}
.sidebar-nav a:last-child { border-bottom: none; }
.sidebar-nav a:hover { color: var(--blue-600); }
.learn-content { flex: 1; min-width: 0; }
.learn-content section { margin-bottom: 56px; scroll-margin-top: 100px; }
.learn-content h2 {
  font-size: 28px; color: var(--blue-900); margin-bottom: 16px;
  padding-bottom: 12px; border-bottom: 2px solid var(--blue-100);
}
.learn-content p { font-size: 16px; line-height: 1.8; margin-bottom: 16px; color: var(--slate-700); }
.learn-callout { padding: 20px 24px; border-radius: 10px; margin: 24px 0; font-size: 15px; line-height: 1.7; }
.learn-callout-blue { background: var(--blue-50); border-left: 4px solid var(--blue-600); color: var(--blue-900); }
.learn-callout-amber { background: var(--amber-50); border-left: 4px solid var(--amber-600); color: #92400e; }

/* Three Party Cards */
.three-party-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 28px 0; }
.party-card {
  background: var(--white); border-radius: 12px; padding: 28px 20px;
  text-align: center; box-shadow: var(--shadow); border-top: 4px solid var(--blue-600);
}
.party-principal { border-top-color: var(--blue-600); }
.party-obligee   { border-top-color: var(--blue-900); }
.party-surety    { border-top-color: var(--green-600); }
.party-icon { font-size: 36px; margin-bottom: 12px; }
.party-card h3 { color: var(--blue-900); font-size: 18px; margin-bottom: 8px; }
.party-card p { font-size: 14px; color: var(--slate-500); margin-bottom: 12px; }
.party-example {
  display: block; font-size: 12px; color: var(--slate-500); font-style: italic;
  background: var(--slate-50); padding: 6px 10px; border-radius: 6px;
}

/* How Steps */
.how-steps { margin: 24px 0; }
.how-step { display: flex; gap: 20px; align-items: flex-start; padding: 20px 0; border-bottom: 1px solid var(--slate-100); }
.how-step:last-child { border-bottom: none; }
.how-step-num {
  width: 40px; height: 40px; border-radius: 50%; background: var(--blue-600);
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 16px; flex-shrink: 0;
}
.how-step h4 { color: var(--blue-900); margin-bottom: 6px; font-size: 16px; }
.how-step p { font-size: 15px; margin: 0; }

/* Comparison Table */
.compare-table-wrap { overflow-x: auto; margin: 24px 0; border-radius: 12px; border: 1px solid var(--blue-100); }
.compare-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.compare-table th { background: var(--blue-900); color: var(--white); padding: 14px 16px; text-align: left; font-weight: 600; }
.compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--slate-100); color: var(--slate-700); }
.compare-table tbody tr:nth-child(even) { background: var(--slate-50); }
.compare-table tbody tr:hover { background: var(--blue-50); }

/* Bond Type Sections */
.bond-type-section {
  background: var(--white); border: 1px solid var(--blue-100); border-radius: 12px;
  padding: 28px; margin-bottom: 20px; box-shadow: var(--shadow);
}
.bond-type-section h3 { font-size: 20px; color: var(--blue-900); margin-bottom: 8px; }
.bond-type-section > p { font-size: 15px; color: var(--slate-500); margin-bottom: 20px; }
.bond-type-list { display: grid; gap: 16px; }
.bond-type-item { padding: 16px 20px; background: var(--slate-50); border-radius: 8px; border-left: 3px solid var(--blue-500); }
.bond-type-item h4 { color: var(--blue-900); font-size: 15px; margin-bottom: 4px; }
.bond-type-item p { font-size: 14px; color: var(--slate-500); margin: 0; }

/* Who Needs Grid */
.who-needs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 24px 0; }
.who-needs-item {
  background: var(--white); border: 1px solid var(--blue-100); border-radius: 10px;
  padding: 20px; text-align: center; font-size: 14px; color: var(--slate-700);
  box-shadow: var(--shadow); transition: transform 0.2s;
}
.who-needs-item:hover { transform: translateY(-2px); }
.who-needs-item strong { color: var(--blue-900); }

/* Cost Section */
.cost-factors { margin: 24px 0; }
.cost-factor { display: flex; gap: 18px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--slate-100); }
.cost-factor:last-child { border-bottom: none; }
.cost-icon { font-size: 28px; flex-shrink: 0; }
.cost-factor h4 { color: var(--blue-900); margin-bottom: 4px; font-size: 16px; }
.cost-factor p { font-size: 14px; margin: 0; }
.cost-example { background: var(--blue-50); border-radius: 12px; padding: 24px 28px; margin: 24px 0; border: 1px solid var(--blue-100); }
.cost-example h4 { color: var(--blue-900); margin-bottom: 16px; font-size: 16px; }
.cost-calc { max-width: 340px; }
.cost-calc-row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 15px; border-bottom: 1px solid var(--blue-100); }
.cost-calc-total { border-bottom: none; border-top: 2px solid var(--blue-600); margin-top: 4px; padding-top: 12px; font-size: 17px; }
.cost-calc-total strong { color: var(--green-700); font-size: 18px; }

/* Claims Timeline */
.claims-timeline { margin: 24px 0; }
.claim-step { display: flex; gap: 18px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--slate-100); }
.claim-step:last-child { border-bottom: none; }
.claim-num {
  width: 36px; height: 36px; border-radius: 50%; background: var(--amber-600);
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px; flex-shrink: 0;
}
.claim-step h4 { color: var(--blue-900); margin-bottom: 4px; font-size: 16px; }
.claim-step p { font-size: 15px; margin: 0; }

/* FAQ */
.faq-list { margin: 24px 0; }
.faq-item { background: var(--white); border: 1px solid var(--blue-100); border-radius: 10px; margin-bottom: 12px; overflow: hidden; transition: box-shadow 0.2s; }
.faq-item:hover { box-shadow: var(--shadow); }
.faq-item summary {
  padding: 18px 24px; font-weight: 600; font-size: 15px; color: var(--blue-900);
  cursor: pointer; list-style: none; display: flex; align-items: center; justify-content: space-between;
}
.faq-item summary::after { content: '+'; font-size: 22px; font-weight: 300; color: var(--blue-600); transition: transform 0.2s; }
.faq-item[open] summary::after { content: '−'; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item p { padding: 0 24px 20px; font-size: 15px; line-height: 1.7; color: var(--slate-700); margin: 0; }

/* Learn CTA */
.learn-cta {
  text-align: center; background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  color: var(--white); padding: 56px 32px; border-radius: 16px;
}
.learn-cta h2 { color: var(--white) !important; border-bottom: none !important; font-size: 28px; margin-bottom: 12px; }
.learn-cta p { color: rgba(255,255,255,0.9) !important; font-size: 17px; margin-bottom: 28px; }

/* ===== CALCULATOR ===== */
.calculator-card { background: var(--white); border: 2px solid var(--blue-100); border-radius: 16px; padding: 32px; margin: 24px 0; box-shadow: var(--shadow-lg); }
.calc-row { display: flex; gap: 20px; margin-bottom: 20px; }
.calc-field { flex: 1; }
.calc-field label { display: block; font-weight: 600; font-size: 14px; color: var(--slate-700); margin-bottom: 6px; }
.calc-field select, .calc-field input {
  width: 100%; padding: 12px 14px; border: 2px solid var(--slate-300);
  border-radius: var(--radius); font-size: 15px; color: var(--slate-900); transition: border-color 0.2s; background: var(--white);
}
.calc-field select:focus, .calc-field input:focus { outline: none; border-color: var(--blue-600); }
.calc-field .currency-input input { padding-left: 30px !important; }
.btn-calc { width: 100%; padding: 14px; font-size: 16px; margin-bottom: 0; }
.calc-results { margin-top: 28px; padding-top: 28px; border-top: 2px solid var(--blue-100); animation: fadeIn 0.4s ease; }
.calc-result-header h3 { color: var(--blue-900); font-size: 18px; margin-bottom: 20px; text-align: center; }
.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; margin-bottom: 20px; }
.calc-result-box { background: var(--slate-50); border-radius: 10px; padding: 16px; text-align: center; }
.calc-result-main { background: var(--green-50); border: 2px solid var(--green-600); grid-column: 1 / -1; padding: 24px; }
.calc-result-label { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--slate-500); margin-bottom: 6px; }
.calc-result-value { display: block; font-size: 28px; font-weight: 800; color: var(--green-700); }
.calc-result-small { font-size: 20px; color: var(--blue-900); }
.calc-result-sub { display: block; font-size: 14px; color: var(--slate-500); margin-top: 4px; }
.calc-result-range { text-align: center; font-size: 14px; color: var(--slate-500); margin-bottom: 24px; line-height: 1.6; }
.calc-result-range a { color: var(--blue-600); text-decoration: underline; }
.calc-result-cta { text-align: center; background: var(--blue-50); padding: 20px; border-radius: 10px; }
.calc-result-cta p { font-size: 15px; color: var(--slate-700); margin-bottom: 12px; }

/* Pricing Visual */
.pricing-visual { display: flex; align-items: center; justify-content: center; gap: 16px; margin: 32px 0; flex-wrap: wrap; }
.pricing-visual-item { background: var(--white); border: 1px solid var(--blue-100); border-radius: 12px; padding: 24px 20px; text-align: center; width: 200px; box-shadow: var(--shadow); }
.pricing-visual-highlight { background: var(--green-50); border-color: var(--green-600); border-width: 2px; }
.pricing-icon { font-size: 28px; margin-bottom: 8px; }
.pricing-label { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--slate-500); margin-bottom: 4px; }
.pricing-value { display: block; font-size: 22px; font-weight: 800; color: var(--blue-900); margin-bottom: 6px; }
.pricing-visual-highlight .pricing-value { color: var(--green-700); }
.pricing-desc { font-size: 12px; color: var(--slate-500); }
.pricing-visual-arrow { font-size: 28px; font-weight: 700; color: var(--slate-300); }

/* Credit Tiers */
.credit-tiers { margin: 24px 0; }
.credit-tier { display: flex; gap: 20px; align-items: flex-start; padding: 20px; margin-bottom: 12px; border-radius: 10px; border-left: 4px solid var(--slate-300); background: var(--white); box-shadow: var(--shadow); }
.tier-score { width: 72px; height: 72px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 16px; color: var(--white); flex-shrink: 0; background: var(--slate-500); }
.tier-excellent { border-left-color: #16a34a; } .tier-excellent .tier-score { background: #16a34a; }
.tier-good { border-left-color: #2563eb; } .tier-good .tier-score { background: #2563eb; }
.tier-fair { border-left-color: #d97706; } .tier-fair .tier-score { background: #d97706; }
.tier-average { border-left-color: #ea580c; } .tier-average .tier-score { background: #ea580c; }
.tier-poor { border-left-color: #dc2626; } .tier-poor .tier-score { background: #dc2626; }
.tier-bad { border-left-color: #991b1b; } .tier-bad .tier-score { background: #991b1b; }
.tier-info h4 { color: var(--blue-900); margin-bottom: 4px; }
.tier-info p { font-size: 14px; margin-bottom: 8px; }
.tier-rate { display: inline-block; background: var(--slate-50); padding: 4px 12px; border-radius: 20px; font-size: 13px; color: var(--slate-700); }

/* Rate Table */
.rate-table td:first-child { font-weight: 600; }
.rate-table th { font-size: 12px; text-align: center; }
.rate-table td { text-align: center; font-size: 13px; }
.rate-table td:first-child { text-align: left; }

/* Example Cards */
.example-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin: 24px 0; }
.example-card { background: var(--white); border: 1px solid var(--blue-100); border-radius: 12px; overflow: hidden; box-shadow: var(--shadow); }
.example-header { background: var(--blue-50); padding: 16px 20px; display: flex; align-items: center; gap: 10px; border-bottom: 1px solid var(--blue-100); }
.example-icon { font-size: 24px; }
.example-header h4 { color: var(--blue-900); font-size: 15px; }
.example-details { padding: 16px 20px; }
.example-row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 14px; border-bottom: 1px solid var(--slate-100); }
.example-row:last-child { border-bottom: none; }
.example-total { border-bottom: none; border-top: 2px solid var(--green-600); margin-top: 4px; padding-top: 12px; }
.example-total strong { color: var(--green-700); font-size: 16px; }

/* Tips List */
.tips-list { margin: 24px 0; }
.tip-item { display: flex; gap: 18px; align-items: flex-start; padding: 20px; margin-bottom: 12px; background: var(--white); border: 1px solid var(--blue-100); border-radius: 10px; box-shadow: var(--shadow); }
.tip-num { width: 40px; height: 40px; border-radius: 50%; background: var(--blue-600); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 16px; flex-shrink: 0; }
.tip-item h4 { color: var(--blue-900); margin-bottom: 4px; font-size: 16px; }
.tip-item p { font-size: 14px; margin: 0; }

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .nav-actions { gap: 8px; }
  .nav-phone { font-size: 13px; padding: 6px 10px; }
  .nav-cta { font-size: 13px; padding: 8px 14px; }
  .navbar { padding: 12px 16px; flex-wrap: wrap; gap: 12px; }
  .nav-links { gap: 16px; }
  .nav-cta { display: none; }
  .hero h1 { font-size: 32px; }
  .hero { padding: 60px 16px 70px; }
  .hero-logo-svg { width: 80px; height: 80px; }
  .hero-brand-main { font-size: 36px; }
  .hero-brand-sub { font-size: 24px; }
  .trust-bar { flex-direction: column; align-items: center; gap: 20px; }
  .quote-container { padding: 32px 20px; }
  .field-row { flex-direction: column; gap: 0; }
  .learn-layout { flex-direction: column; }
  .learn-sidebar { position: static; width: 100%; }
  .learn-hero h1 { font-size: 30px; }
  .learn-hero { padding: 48px 16px 56px; }
  .three-party-grid { grid-template-columns: 1fr; }
  .who-needs-grid { grid-template-columns: repeat(2, 1fr); }
  .learn-content h2 { font-size: 24px; }
  .learn-subnav { padding: 0 16px; }
  .learn-subnav-inner { overflow-x: auto; }
  .learn-subnav a { padding: 12px 16px; font-size: 13px; white-space: nowrap; }
  .calc-row { flex-direction: column; gap: 12px; }
  .calc-result-grid { grid-template-columns: 1fr 1fr 1fr; }
  .calc-result-main { grid-column: 1 / -1; }
  .pricing-visual { flex-direction: column; }
  .pricing-visual-arrow { transform: rotate(90deg); }
  .pricing-visual-item { width: 100%; max-width: 280px; }
  .example-cards { grid-template-columns: 1fr; }
  .credit-tier { flex-direction: column; align-items: center; text-align: center; }
  .radio-group { flex-direction: column; }
  .review-row { flex-direction: column; gap: 2px; }
  .review-row strong { text-align: left; max-width: 100%; }
  .progress-bar { gap: 2px; }
  .progress-step span { font-size: 9px; }
  .step-dot { width: 30px; height: 30px; font-size: 12px; }
  .progress-line { max-width: 30px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  /* ===== HAMBURGER MENU ===== */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--slate-700);
  transition: all 0.3s;
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    gap: 0;
    border-bottom: 2px solid var(--blue-100);
    box-shadow: var(--shadow-lg);
    z-index: 99;
  }
  .nav-links.open {
    display: flex;
  }
  .nav-links a {
    padding: 14px 0;
    border-bottom: 1px solid var(--slate-100);
    font-size: 16px;
  }
  .nav-links a:last-child {
    border-bottom: none;
  }
  .hamburger {
    display: flex;
  }
  .nav-actions {
    display: none;
  }
}
}

@media (max-width: 480px) {
  .who-needs-grid { grid-template-columns: 1fr; }
  .calc-result-grid { grid-template-columns: 1fr; }
}