/* ── CSS Variables ─────────────────────────────────────────────── */
:root {
    --navy:         #1a2f5e;
    --navy-light:   #243f7a;
    --navy-mid:     #2e4f96;
    --steel:        #3a5a8c;
    --gold:         #c8922a;
    --gold-dark:    #a87520;
    --gold-light:   #e0b050;
    --white:        #ffffff;
    --off-white:    #f8f9fc;
    --gray-50:      #f4f6f9;
    --gray-100:     #e8ecf2;
    --gray-200:     #d0d8e8;
    --gray-400:     #8a9abf;
    --gray-600:     #5a6a8a;
    --gray-800:     #2a3a5a;
    --text:         #1a2440;
    --text-light:   #4a5a7a;
    --radius:       8px;
    --radius-lg:    16px;
    --shadow-sm:    0 1px 4px rgba(26,47,94,.08);
    --shadow-md:    0 4px 16px rgba(26,47,94,.12);
    --shadow-lg:    0 8px 32px rgba(26,47,94,.16);
    --transition:   0.2s ease;
}

/* ── Reset ─────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    color: var(--text);
    line-height: 1.6;
    background: var(--white);
    font-size: 16px;
}
@font-face {
    font-family: 'Inter';
    src: url('/fonts/inter-variable.woff2') format('woff2');
    font-weight: 100 900;
    font-display: swap;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-mid); text-decoration: none; }
a:hover { color: var(--gold); }
ul { list-style: none; }

/* ── Layout ─────────────────────────────────────────────────────── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.content-with-sidebar {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 3rem;
    align-items: start;
}
.content-sidebar { position: sticky; top: 90px; }
@media (max-width: 900px) {
    .content-with-sidebar { grid-template-columns: 1fr; }
    .content-sidebar { display: none; }
}
section { padding: 64px 0; }
.section-alt { background: var(--gray-50); }
.section-dark { background: var(--navy); color: var(--white); }

/* ── Header ─────────────────────────────────────────────────────── */
.site-header {
    background: var(--navy);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,.3);
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}
.logo img { height: 40px; width: auto; }
.site-nav ul { display: flex; gap: 0; align-items: center; }
.site-nav a {
    color: rgba(255,255,255,.85);
    padding: 8px 14px;
    font-size: 14px;
    font-weight: 500;
    border-radius: var(--radius);
    transition: color var(--transition), background var(--transition);
}
.site-nav a:hover, .site-nav a.active { color: var(--white); background: rgba(255,255,255,.1); }
.site-nav .nav-cta {
    background: var(--gold);
    color: var(--white) !important;
    margin-left: 8px;
    padding: 8px 16px;
}
.site-nav .nav-cta:hover { background: var(--gold-dark); }
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}
.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--white);
    transition: transform var(--transition);
}
@media (max-width: 768px) {
    .nav-toggle { display: flex; }
    .site-nav {
        display: none;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        background: var(--navy);
        padding: 16px 24px 24px;
        box-shadow: var(--shadow-lg);
    }
    .site-nav.open { display: block; }
    .site-nav ul { flex-direction: column; gap: 4px; }
    .site-nav a { display: block; padding: 10px 14px; }
    .site-nav .nav-cta { margin-left: 0; margin-top: 8px; text-align: center; }
}

/* ── Buttons ─────────────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 13px 28px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    border: none;
    transition: all var(--transition);
    text-decoration: none;
}
.btn-primary {
    background: var(--gold);
    color: var(--white);
    box-shadow: 0 4px 12px rgba(200,146,42,.35);
}
.btn-primary:hover { background: var(--gold-dark); color: var(--white); box-shadow: 0 6px 16px rgba(200,146,42,.45); transform: translateY(-1px); }
.btn-secondary {
    background: var(--white);
    color: var(--navy);
    border: 2px solid var(--navy);
}
.btn-secondary:hover { background: var(--navy); color: var(--white); }
.btn-outline {
    background: transparent;
    color: var(--white);
    border: 2px solid rgba(255,255,255,.6);
}
.btn-outline:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: var(--white); }
.btn-full { width: 100%; }
.btn-lg { padding: 16px 36px; font-size: 17px; }

/* ── Hero ─────────────────────────────────────────────────────────── */
.hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, var(--steel) 100%);
    color: var(--white);
    padding: 80px 0 72px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content { position: relative; z-index: 1; }
.hero-grid {
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 3rem;
    align-items: center;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(200,146,42,.2);
    border: 1px solid rgba(200,146,42,.4);
    color: var(--gold-light);
    padding: 6px 14px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: .3px;
    margin-bottom: 20px;
}
.hero h1 {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
    letter-spacing: -.02em;
}
.hero h1 span { color: var(--gold-light); }
.hero-desc {
    font-size: 18px;
    color: rgba(255,255,255,.85);
    margin-bottom: 28px;
    line-height: 1.7;
}
.hero-bullets {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 32px;
}
.hero-bullet {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    color: rgba(255,255,255,.9);
}
.hero-bullet::before { content: '✓'; color: var(--gold-light); font-weight: 700; font-size: 16px; flex-shrink: 0; }
@media (max-width: 900px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero { padding: 48px 0 56px; }
}

/* ── Forms ─────────────────────────────────────────────────────── */
.quote-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-lg);
}
.quote-card-header {
    background: var(--navy);
    color: var(--white);
    border-radius: var(--radius) var(--radius) 0 0;
    padding: 18px 24px;
    margin: -32px -32px 24px;
}
.quote-card-header h2 { font-size: 17px; font-weight: 700; margin-bottom: 2px; }
.quote-card-header p { font-size: 13px; color: rgba(255,255,255,.75); }
.form-group { margin-bottom: 16px; }
.form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-600);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: .4px;
}
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 15px;
    color: var(--text);
    background: var(--white);
    transition: border-color var(--transition), box-shadow var(--transition);
    -webkit-appearance: none;
    appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--navy-mid);
    box-shadow: 0 0 0 3px rgba(46,79,150,.15);
}
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235a6a8a' d='M6 8L1 3h10z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 480px) { .form-row { grid-template-columns: 1fr; } }
.form-privacy {
    font-size: 11px;
    color: var(--gray-400);
    text-align: center;
    margin-top: 10px;
    line-height: 1.5;
}
.form-privacy a { color: var(--gray-400); text-decoration: underline; }
.form-tcpa {
    font-size: 11px;
    color: var(--gray-600);
    background: var(--gray-50);
    border: 1px solid var(--gray-100);
    border-radius: var(--radius);
    padding: 10px 12px;
    margin-top: 12px;
    line-height: 1.5;
}

/* ── Stats Bar ─────────────────────────────────────────────────── */
.stats-bar {
    background: var(--navy-light);
    padding: 20px 0;
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    text-align: center;
}
.stat-item { padding: 12px 16px; border-right: 1px solid rgba(255,255,255,.1); }
.stat-item:last-child { border-right: none; }
.stat-num { font-size: 28px; font-weight: 800; color: var(--gold-light); line-height: 1; }
.stat-label { font-size: 12px; color: rgba(255,255,255,.7); margin-top: 4px; letter-spacing: .3px; text-transform: uppercase; }
@media (max-width: 600px) {
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-item:nth-child(2) { border-right: none; }
    .stat-item:nth-child(3) { border-right: 1px solid rgba(255,255,255,.1); border-top: 1px solid rgba(255,255,255,.1); }
    .stat-item:nth-child(4) { border-right: none; border-top: 1px solid rgba(255,255,255,.1); }
}

/* ── Claim Type Cards ─────────────────────────────────────────── */
.claims-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 20px;
}
.claim-card {
    background: var(--white);
    border: 1.5px solid var(--gray-100);
    border-radius: var(--radius-lg);
    padding: 24px;
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.claim-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold);
    color: inherit;
}
.claim-card-icon { font-size: 32px; line-height: 1; }
.claim-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); }
.claim-card p { font-size: 14px; color: var(--text-light); line-height: 1.6; flex: 1; }
.claim-card-range {
    font-size: 13px;
    font-weight: 700;
    color: var(--gold-dark);
    background: rgba(200,146,42,.08);
    padding: 4px 10px;
    border-radius: 100px;
    align-self: flex-start;
}

/* ── How It Works ─────────────────────────────────────────────── */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    position: relative;
}
.steps-grid::before {
    content: '';
    position: absolute;
    top: 32px;
    left: calc(16.66% + 16px);
    right: calc(16.66% + 16px);
    height: 2px;
    background: linear-gradient(to right, var(--gold), var(--gold-light));
    z-index: 0;
}
.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
}
.step-num {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--white);
    font-size: 24px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    border: 4px solid var(--white);
    box-shadow: var(--shadow-md);
}
.step-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: 15px; color: var(--text-light); line-height: 1.7; }
@media (max-width: 700px) {
    .steps-grid { grid-template-columns: 1fr; }
    .steps-grid::before { display: none; }
}

/* ── Testimonials ─────────────────────────────────────────────── */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-100);
}
.stars { color: var(--gold); font-size: 18px; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: 15px; color: var(--text-light); line-height: 1.7; font-style: italic; margin-bottom: 16px; }
.testimonial-author { font-weight: 700; font-size: 14px; color: var(--navy); }
.testimonial-detail { font-size: 13px; color: var(--gray-400); }
@media (max-width: 768px) { .testimonials-grid { grid-template-columns: 1fr; } }

/* ── FAQ Accordion ─────────────────────────────────────────────── */
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item {
    border: 1.5px solid var(--gray-100);
    border-radius: var(--radius);
    overflow: hidden;
    transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--gold); }
.faq-question {
    width: 100%;
    padding: 18px 20px;
    text-align: left;
    background: none;
    border: none;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    gap: 16px;
}
.faq-question:hover { background: var(--gray-50); }
.faq-icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 400;
    transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: var(--white); }
.faq-answer { display: none; padding: 0 20px 18px; font-size: 15px; color: var(--text-light); line-height: 1.75; }
.faq-item.open .faq-answer { display: block; }

/* ── Breadcrumb ─────────────────────────────────────────────────── */
.breadcrumb {
    padding: 12px 0;
    background: var(--gray-50);
    border-bottom: 1px solid var(--gray-100);
}
.breadcrumb ol {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    align-items: center;
    font-size: 13px;
    color: var(--gray-600);
}
.breadcrumb li + li::before { content: '›'; margin-right: 4px; color: var(--gray-400); }
.breadcrumb a { color: var(--gray-600); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb [aria-current] { color: var(--navy); font-weight: 600; }

/* ── State/City Grid ─────────────────────────────────────────────── */
.state-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 12px;
}
.state-link {
    display: block;
    padding: 12px 16px;
    background: var(--white);
    border: 1.5px solid var(--gray-100);
    border-radius: var(--radius);
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
    transition: all var(--transition);
}
.state-link:hover { border-color: var(--gold); background: var(--gray-50); color: var(--navy); transform: translateY(-1px); }

/* ── Page Header ─────────────────────────────────────────────────── */
.page-header {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    color: var(--white);
    padding: 56px 0 48px;
}
.page-header .breadcrumb { background: transparent; border: none; padding: 0 0 16px; }
.page-header .breadcrumb a,
.page-header .breadcrumb li { color: rgba(255,255,255,.7); }
.page-header .breadcrumb [aria-current] { color: var(--white); }
.page-header .breadcrumb li + li::before { color: rgba(255,255,255,.4); }
.page-header h1 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); font-weight: 800; margin-bottom: 12px; letter-spacing: -.02em; }
.page-header p { font-size: 17px; color: rgba(255,255,255,.8); max-width: 640px; line-height: 1.7; }
.page-header-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-top: 20px;
}
.page-header-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    color: rgba(255,255,255,.9);
    padding: 5px 12px;
    border-radius: 100px;
    font-size: 13px;
    font-weight: 500;
}

/* ── Content Sections ─────────────────────────────────────────────── */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 800; color: var(--navy); margin-bottom: 12px; letter-spacing: -.02em; }
.section-header p { font-size: 17px; color: var(--text-light); max-width: 600px; margin: 0 auto; line-height: 1.7; }
.section-dark .section-header h2 { color: var(--white); }
.section-dark .section-header p { color: rgba(255,255,255,.75); }

h1 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.35rem, 2.5vw, 1.85rem); font-weight: 700; letter-spacing: -.01em; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* ── Sidebar Form Card ─────────────────────────────────────────── */
.sidebar-form-card {
    background: var(--white);
    border: 2px solid var(--gold);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}
.sidebar-form-header {
    background: var(--navy);
    color: var(--white);
    padding: 16px 20px;
}
.sidebar-form-header h3 { font-size: 16px; margin-bottom: 2px; }
.sidebar-form-header p { font-size: 12px; color: rgba(255,255,255,.7); }
.sidebar-form-body { padding: 20px; }

/* ── Trust Badges ─────────────────────────────────────────────── */
.trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    align-items: center;
    justify-content: center;
}
.trust-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--gray-50);
    border: 1px solid var(--gray-100);
    border-radius: var(--radius);
    padding: 8px 16px;
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
}
.trust-badge .icon { font-size: 18px; }

/* ── CTA Banner ─────────────────────────────────────────────────── */
.cta-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    color: var(--white);
    padding: 56px 0;
    text-align: center;
}
.cta-banner h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 800; margin-bottom: 12px; }
.cta-banner p { font-size: 17px; color: rgba(255,255,255,.8); margin-bottom: 28px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ── Alert / Notice ─────────────────────────────────────────────── */
.alert {
    padding: 16px 20px;
    border-radius: var(--radius);
    font-size: 15px;
    border-left: 4px solid;
    margin-bottom: 24px;
}
.alert-warning { background: #fff8e6; border-color: var(--gold); color: #7a5a00; }
.alert-info { background: #e8f0fb; border-color: var(--navy-mid); color: var(--navy); }
.alert-success { background: #e8f5e9; border-color: #4caf50; color: #1b5e20; }

/* ── Prose Content ─────────────────────────────────────────────── */
.prose h2 { color: var(--navy); margin: 2rem 0 .75rem; padding-bottom: .5rem; border-bottom: 2px solid var(--gray-100); }
.prose h3 { color: var(--navy); margin: 1.5rem 0 .5rem; }
.prose ul, .prose ol { padding-left: 1.5rem; margin-bottom: 1rem; }
.prose li { margin-bottom: .4rem; }
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose strong { color: var(--navy); }
.prose table { width: 100%; border-collapse: collapse; margin-bottom: 1.5rem; font-size: 15px; }
.prose th { background: var(--navy); color: var(--white); padding: 10px 14px; text-align: left; }
.prose td { padding: 10px 14px; border-bottom: 1px solid var(--gray-100); }
.prose tr:nth-child(even) td { background: var(--gray-50); }

/* ── Footer ─────────────────────────────────────────────────────── */
.site-footer {
    background: var(--navy);
    color: rgba(255,255,255,.75);
    padding: 56px 0 0;
    margin-top: auto;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 40px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-logo img { height: 36px; width: auto; margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.7; color: rgba(255,255,255,.65); margin-bottom: 12px; }
.footer-founding { font-size: 13px; color: var(--gold-light); font-weight: 600; }
.footer-col h3 { color: var(--white); font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .6px; margin-bottom: 16px; }
.footer-col ul li + li { margin-top: 8px; }
.footer-col a { color: rgba(255,255,255,.6); font-size: 14px; transition: color var(--transition); }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom { padding: 24px 0; display: flex; flex-direction: column; gap: 12px; }
.footer-legal { font-size: 12px; color: rgba(255,255,255,.45); line-height: 1.6; }
.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-links a { font-size: 13px; color: rgba(255,255,255,.55); }
.footer-links a:hover { color: var(--gold-light); }
.footer-copy { font-size: 12px; color: rgba(255,255,255,.35); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }

/* ── Chat Widget ─────────────────────────────────────────────────── */
.chat-widget { position: fixed; bottom: 24px; right: 24px; z-index: 200; }
.chat-toggle {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: 100px;
    padding: 12px 20px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    box-shadow: 0 4px 20px rgba(26,47,94,.4);
    transition: all var(--transition);
}
.chat-toggle:hover { background: var(--navy-light); transform: translateY(-2px); box-shadow: 0 6px 24px rgba(26,47,94,.5); }
.chat-box {
    position: absolute;
    bottom: 60px;
    right: 0;
    width: 320px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--gray-100);
}
.chat-header {
    background: var(--navy);
    color: var(--white);
    padding: 14px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 14px;
    font-weight: 600;
}
.chat-close { background: none; border: none; color: rgba(255,255,255,.7); cursor: pointer; font-size: 22px; line-height: 1; padding: 0 2px; }
.chat-close:hover { color: var(--white); }
.chat-messages { height: 260px; overflow-y: auto; padding: 16px; display: flex; flex-direction: column; gap: 10px; }
.chat-msg {
    max-width: 85%;
    padding: 10px 14px;
    border-radius: var(--radius);
    font-size: 13px;
    line-height: 1.6;
}
.chat-msg.bot { background: var(--gray-50); border: 1px solid var(--gray-100); color: var(--text); align-self: flex-start; }
.chat-msg.user { background: var(--navy); color: var(--white); align-self: flex-end; }
.chat-form {
    display: flex;
    border-top: 1px solid var(--gray-100);
}
.chat-form input {
    flex: 1;
    border: none;
    padding: 12px 14px;
    font-size: 13px;
    color: var(--text);
    outline: none;
}
.chat-form button {
    background: var(--gold);
    border: none;
    color: var(--white);
    padding: 12px 14px;
    cursor: pointer;
    transition: background var(--transition);
}
.chat-form button:hover { background: var(--gold-dark); }
@media (max-width: 480px) {
    .chat-widget { bottom: 16px; right: 16px; }
    .chat-box { width: calc(100vw - 32px); right: 0; }
}

/* ── Misc Utilities ─────────────────────────────────────────────── */
.text-center { text-align: center; }
.text-navy { color: var(--navy); }
.text-gold { color: var(--gold); }
.text-light { color: var(--text-light); }
.font-bold { font-weight: 700; }
.mt-4 { margin-top: 1rem; }
.mt-8 { margin-top: 2rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-8 { margin-bottom: 2rem; }
.hidden { display: none; }

/* ── Success Message ─────────────────────────────────────────────── */
.form-success {
    background: #e8f5e9;
    border: 1.5px solid #4caf50;
    border-radius: var(--radius);
    padding: 20px;
    text-align: center;
    display: none;
}
.form-success h3 { color: #1b5e20; font-size: 17px; margin-bottom: 8px; }
.form-success p { color: #2e7d32; font-size: 14px; margin: 0; }

/* ── Highlight Box ─────────────────────────────────────────────── */
.highlight-box {
    background: linear-gradient(135deg, rgba(26,47,94,.06) 0%, rgba(200,146,42,.06) 100%);
    border: 1.5px solid rgba(200,146,42,.25);
    border-radius: var(--radius-lg);
    padding: 28px;
    margin: 28px 0;
}
.highlight-box h3 { color: var(--navy); margin-bottom: 12px; }

/* ── Recovery Table ─────────────────────────────────────────────── */
.recovery-table { width: 100%; border-collapse: collapse; border-radius: var(--radius); overflow: hidden; }
.recovery-table th { background: var(--navy); color: var(--white); padding: 12px 16px; text-align: left; font-size: 13px; text-transform: uppercase; letter-spacing: .4px; }
.recovery-table td { padding: 12px 16px; border-bottom: 1px solid var(--gray-100); font-size: 14px; }
.recovery-table tr:last-child td { border-bottom: none; }
.recovery-table tr:nth-child(even) td { background: var(--gray-50); }
.recovery-table .amount { font-weight: 700; color: var(--gold-dark); }