/* ── CreditFlow Style Guide tokens ───────────────────────── */
  :root {
    /* Neutrals from style guide */
    --n100: #FFFFFF;
    --n200: #F2F2F3;
    --n300: #CDCDCD;
    --n400: #B4B4B4;
    --n500: #686869;
    --n600: #1D1D1E;
    --n700: #111112;
    --n800: #040405;
    /* Gold accent (Refused - Warmer Tone) */
    --accent: #d4af54;
    --accent-lt: #ebd088;
    --accent-dim: rgba(212, 175, 84, 0.13);
    --accent-bdr: rgba(212, 175, 84, 0.30);
    /* Mapped theme vars */
    --bg: var(--n800);
    --bg2: var(--n700);
    --bg3: var(--n600);
    --border: rgba(255, 255, 255, 0.07);
    --border-md: rgba(255, 255, 255, 0.13);
    --text: var(--n100);
    --text-sub: var(--n300);
    --text-muted: var(--n500);
    --text-dim: #333335;
    /* Radii */
    --r: 14px;
    --r-sm: 8px;
    --r-pill: 100px;
    /* Shadows from guide: small→large */
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.35);
    --shadow: 0 4px 20px rgba(0, 0, 0, 0.45);
    --shadow-lg: 0 12px 48px rgba(0, 0, 0, 0.6);
  }

  *,
  *::before,
  *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }

  html {
    scroll-behavior: smooth;
  }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    overflow-x: hidden;
    /* Style guide paragraph default: 18px */
    font-size: 18px;
  }

  /* ── NAV ───────────────────────────────────────────────────── */
  nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: rgba(4, 4, 5, 0.88);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border);
    padding: 0 56px;
    height: 74px;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }

  .nav-logo {
    text-decoration: none;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--accent);
    width: 48px;
    height: 48px;
    border-radius: 50%;
    flex-shrink: 0;
  }

  .nav-links {
    display: flex;
    align-items: center;
    gap: 40px;
    list-style: none;
  }

  .nav-links a {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 16px;
    font-weight: 500;
    letter-spacing: 0.01em;
    transition: color .2s;
  }

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

  .nav-contact-link {
    color: var(--text-muted);
    font-size: 16px;
    font-weight: 500;
    text-decoration: none;
    transition: color .2s;
  }

  .nav-contact-link:visited {
    color: var(--text-muted);
  }

  .nav-contact-link:hover,
  .nav-contact-link:active {
    color: var(--text);
  }

  /* Primary button — pill style from guide */
  .btn-primary {
    background: var(--accent);
    color: var(--n800);
    border: none;
    padding: 11px 24px;
    border-radius: var(--r-pill);
    font-family: 'DM Sans', sans-serif;
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    text-decoration: none;
    letter-spacing: 0.01em;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: background .2s, transform .15s, box-shadow .2s;
    box-shadow: var(--shadow-sm);
  }

  .btn-primary:hover {
    background: var(--accent-lt);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
  }

  /* Secondary button — pill, outlined */
  .btn-secondary {
    background: transparent;
    color: var(--text);
    padding: 11px 24px;
    border-radius: var(--r-pill);
    border: 1px solid var(--border-md);
    font-family: 'DM Sans', sans-serif;
    font-weight: 500;
    font-size: 15px;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: border-color .2s, color .2s;
  }

  .btn-secondary:hover {
    border-color: var(--accent);
    color: var(--accent);
  }

  /* ── HERO ──────────────────────────────────────────────────── */
  .hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: flex-end;
    padding-bottom: 100px;
    overflow: hidden;
  }

  .hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('./assets/hero-bg.png');
    background-size: cover;
    background-position: center 40%;
    filter: brightness(0.45);
  }

  .hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top,
        rgba(4, 4, 5, 0.97) 0%,
        rgba(4, 4, 5, 0.65) 38%,
        rgba(4, 4, 5, 0.2) 68%,
        transparent 100%);
  }

  .hero-content {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 56px;
    width: 100%;
  }

  /* Badge — matches CreditFlow's section badge style */
  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    color: var(--accent);
    padding: 5px 14px;
    border-radius: var(--r-pill);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 28px;
  }

  .hero-badge::before {
    content: '';
    width: 6px;
    height: 6px;
    background: var(--accent);
    border-radius: 50%;
  }

  /* Display 8 / 9 size from style guide */
  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.8rem, 5vw, 4.4rem);
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -0.025em;
    margin-bottom: 24px;
    max-width: 740px;
  }

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

  .hero p {
    color: rgba(255, 255, 255, 0.62);
    font-size: 20px;
    /* Paragraph Large */
    max-width: 520px;
    margin-bottom: 40px;
    line-height: 1.7;
    font-weight: 300;
  }

  .hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
  }

  /* ── STATS BAR ─────────────────────────────────────────────── */
  .stats-bar {
    background: var(--bg2);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
  }

  .stats-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 56px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
  }

  .stat-item {
    text-align: center;
    padding: 44px 20px;
    position: relative;
  }

  .stat-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 22%;
    height: 56%;
    width: 1px;
    background: var(--border);
  }

  /* Display 9 = 62px from guide */
  .stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 3rem;
    font-weight: 700;
    color: var(--accent);
    display: block;
    line-height: 1;
    margin-bottom: 8px;
  }

  /* Display 1 = 14px, uppercase label */
  .stat-label {
    color: var(--text-muted);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  /* ── SECTION SHELL ─────────────────────────────────────────── */
  section {
    padding: 112px 56px;
  }

  #about {
    padding-bottom: 56px;
  }

  #services {
    padding-top: 56px;
    background: var(--bg2);
  }

  .section-inner {
    max-width: 1200px;
    margin: 0 auto;
  }

  /* Section tag — icon + label, matches CreditFlow pattern */
  .section-tag {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--text-muted);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 20px;
  }

  .section-tag img {
    opacity: .7;
  }

  /* Display 7 = 36px headings */
  .section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 3.5vw, 3rem);
    font-weight: 700;
    letter-spacing: -0.025em;
    line-height: 1.15;
    margin-bottom: 20px;
  }

  /* Paragraph Default = 18px */
  .section-sub {
    color: var(--text-muted);
    font-size: 18px;
    line-height: 1.7;
    max-width: 520px;
    margin-bottom: 40px;
    font-weight: 300;
  }

  /* ── STORY ─────────────────────────────────────────────────── */
  .story-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 88px;
    align-items: start;
  }

  .story-right h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 600;
    margin-bottom: 20px;
    line-height: 1.3;
  }

  .story-right p {
    color: var(--text-muted);
    margin-bottom: 22px;
    line-height: 1.8;
    font-size: 18px;
    font-weight: 300;
  }

  /* Quote block */
  .quote-block {
    background: var(--bg3);
    border-left: 2px solid var(--accent);
    padding: 28px 32px;
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
    margin: 36px 0;
  }

  .quote-block blockquote {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-style: italic;
    color: var(--text);
    line-height: 1.65;
    margin-bottom: 20px;
  }

  .quote-author {
    display: flex;
    align-items: center;
    gap: 14px;
  }

  .quote-avatar {
    width: 44px;
    height: 44px;
    background: var(--bg2);
    border: 1px solid var(--border-md);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    color: var(--accent);
    font-size: 0.85rem;
    flex-shrink: 0;
  }

  .quote-name {
    font-weight: 600;
    font-size: 15px;
  }

  .quote-title {
    color: var(--text-muted);
    font-size: 13px;
  }

  /* Contact details inside story */
  .detail-row {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
    font-size: 16px;
    color: var(--text);
  }

  .detail-icon {
    width: 40px;
    height: 40px;
    background: var(--bg3);
    border: 1px solid var(--border-md);
    border-radius: var(--r-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }

  .detail-row a {
    color: var(--text);
    text-decoration: none;
    transition: color .2s;
  }

  .detail-row a:hover {
    color: var(--accent);
  }

  hr.divider {
    border: none;
    border-top: 1px solid var(--border);
    margin: 32px 0;
  }

  /* ── VALUES ────────────────────────────────────────────────── */
  .values-section {
    background: var(--bg2);
  }

  .values-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 56px;
    max-width: 860px;
    margin-left: auto;
    margin-right: auto;
  }

  .value-card {
    background: var(--bg3);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 44px 40px;
    transition: border-color .3s, transform .3s;
    box-shadow: var(--shadow-sm);
  }

  .value-card:hover {
    border-color: var(--accent-bdr);
    transform: translateY(-4px);
    box-shadow: var(--shadow);
  }

  .value-icon-wrap {
    width: 52px;
    height: 52px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
  }

  .value-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 12px;
  }

  .value-card p {
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.75;
    font-weight: 300;
  }

  /* ── SERVICES ──────────────────────────────────────────────── */
  .services-header {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: end;
    margin-bottom: 56px;
  }

  .services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }

  .service-card {
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 32px 28px;
    transition: border-color .3s, transform .3s;
    box-shadow: var(--shadow-sm);
  }

  .service-card:hover {
    border-color: var(--accent-bdr);
    transform: translateY(-3px);
    box-shadow: var(--shadow);
  }

  .service-num {
    font-family: 'Playfair Display', serif;
    font-size: 1.7rem;
    color: var(--accent);
    font-weight: 700;
    margin-bottom: 14px;
    display: block;
  }

  .service-card h3 {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 10px;
  }

  .service-card p {
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.75;
    font-weight: 300;
  }

  /* ── TESTIMONIALS ──────────────────────────────────────────── */
  .testimonials-section {
    background: var(--bg);
  }

  .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 56px;
  }

  .testimonial-card {
    background: var(--bg3);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 36px 32px;
    transition: border-color .3s;
    box-shadow: var(--shadow-sm);
  }

  .testimonial-card:hover {
    border-color: var(--border-md);
  }

  .t-stars {
    display: flex;
    gap: 4px;
    margin-bottom: 20px;
  }

  .t-stars img {
    width: 16px;
    height: 16px;
  }

  .testimonial-card blockquote {
    color: var(--text-muted);
    font-size: 16px;
    line-height: 1.8;
    margin-bottom: 28px;
    font-style: italic;
    font-weight: 300;
  }

  .t-author {
    display: flex;
    align-items: center;
    gap: 12px;
  }

  .t-avatar {
    width: 40px;
    height: 40px;
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    color: var(--accent);
    font-size: 13px;
  }

  .t-name {
    font-weight: 600;
    font-size: 15px;
  }

  .t-role {
    color: var(--text-muted);
    font-size: 13px;
  }

  /* ── CONTACT ───────────────────────────────────────────────── */
  .contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: stretch;
    margin-top: 56px;
  }

  .contact-card {
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 44px;
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
  }

  .contact-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.45rem;
    font-weight: 600;
    margin-bottom: 8px;
  }

  .location-tag {
    color: var(--text-muted);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 20px;
    display: block;
  }

  .contact-card p {
    color: var(--text-muted);
    margin-bottom: 24px;
    line-height: 1.75;
    font-size: 16px;
    font-weight: 300;
  }

  .nmls-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    color: var(--accent);
    padding: 7px 14px;
    border-radius: var(--r-pill);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.04em;
    margin-top: 24px;
    align-self: flex-start;
  }

  .touch-card {
    background: var(--bg3);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 44px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--shadow-sm);
  }

  .touch-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.65rem;
    font-weight: 600;
    margin-bottom: 16px;
    line-height: 1.25;
  }

  .touch-card p {
    color: var(--text-muted);
    line-height: 1.8;
    margin-bottom: 0px;
    font-size: 16px;
    font-weight: 300;
  }

  .touch-btns {
    display: flex;
    flex-direction: column;
    gap: 12px;
  }

  .touch-note {
    color: var(--text-dim);
    font-size: 13px;
    text-align: center;
    margin-top: 8px;
  }

  /* Contact Form inside Touch Card */
  .contact-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-top: 24px;
    width: 100%;
  }

  .form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  .form-group label {
    font-size: 14px;
    color: var(--text-sub);
    font-weight: 500;
  }

  .form-group input,
  .form-group textarea {
    background: var(--bg2);
    border: 1px solid var(--border-md);
    border-radius: var(--r-sm);
    padding: 12px 16px;
    color: var(--text);
    font-family: inherit;
    font-size: 15px;
    transition: border-color .2s, box-shadow .2s;
    width: 100%;
  }

  .form-group input:focus,
  .form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 2px var(--accent-dim);
  }

  .form-group input::placeholder,
  .form-group textarea::placeholder {
    color: var(--text-muted);
  }

  .form-status {
    padding: 12px 16px;
    border-radius: var(--r-sm);
    font-size: 14px;
    font-weight: 500;
    text-align: center;
  }

  .form-status.success {
    background: rgba(34, 197, 94, 0.1);
    color: #4ade80;
    border: 1px solid rgba(34, 197, 94, 0.2);
  }

  .form-status.error {
    background: rgba(239, 68, 68, 0.1);
    color: #f87171;
    border: 1px solid rgba(239, 68, 68, 0.2);
  }

  .loader {
    width: 16px;
    height: 16px;
    border: 2px solid var(--n800);
    border-bottom-color: transparent;
    border-radius: 50%;
    display: inline-block;
    box-sizing: border-box;
    animation: rotation 1s linear infinite;
  }

  @keyframes rotation {
    0% {
      transform: rotate(0deg);
    }

    100% {
      transform: rotate(360deg);
    }
  }

  .cta-band {
    background: var(--bg2);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    padding: 88px 56px;
    text-align: center;
  }

  .cta-band h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.9rem, 3.2vw, 2.8rem);
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: -0.025em;
  }

  .cta-band p {
    color: var(--text-muted);
    max-width: 460px;
    margin: 0 auto 36px;
    line-height: 1.75;
    font-size: 18px;
    font-weight: 300;
  }

  .cta-actions {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
  }

  /* ── FOOTER ────────────────────────────────────────────────── */
  footer {
    background: var(--bg);
    border-top: 1px solid var(--border);
    padding: 40px 56px 24px;
  }

  .footer-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 32px;
  }

  .footer-logo {
    width: 315px;
    height: 90px;
    object-fit: contain;
    object-position: left center;
    display: block;
    margin-bottom: 24px;
  }

  .footer-brand p {
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.75;
    max-width: 360px;
    margin-top: 20px;
    font-weight: 300;
  }

  .footer-brand .sub {
    color: var(--text-dim);
    font-size: 13px;
    margin-top: 8px;
  }

  .footer-col h4 {
    font-weight: 600;
    font-size: 13px;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 20px;
  }

  .footer-col ul {
    list-style: none;
  }

  .footer-col li {
    margin-bottom: 2px;
    color: var(--text-muted);
    font-size: 16px;
    font-weight: 300;
  }

  .footer-col a {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 16px;
    transition: color .2s;
    font-weight: 300;
  }

  .footer-col a:hover {
    color: var(--text);
  }

  .footer-bottom {
    max-width: 1200px;
    margin: 0 auto;
    border-top: 1px solid var(--border);
    padding-top: 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
  }

  .footer-bottom p {
    color: var(--text-dim);
    font-size: 13px;
    font-weight: 300;
  }

  /* ── ANIMATIONS ────────────────────────────────────────────── */
  @keyframes fadeUp {
    from {
      opacity: 0;
      transform: translateY(28px);
    }

    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  .fade-up {
    animation: fadeUp 0.65s ease forwards;
  }

  .d1 {
    animation-delay: .1s;
  }

  .d2 {
    animation-delay: .2s;
  }

  .d3 {
    animation-delay: .3s;
  }

  .d4 {
    animation-delay: .4s;
  }

  /* ── RESPONSIVE ────────────────────────────────────────────── */
  @media(max-width:1024px) {

    .story-grid,
    .contact-grid,
    .services-header {
      grid-template-columns: 1fr;
      gap: 40px;
    }

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

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

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

    .footer-inner {
      grid-template-columns: 1fr 1fr;
    }
  }

  @media(max-width:768px) {
    nav {
      padding: 0 24px;
    }

    .nav-links {
      display: none;
    }

    section {
      padding: 72px 24px;
    }

    .hero-content {
      padding: 0 24px;
    }

    .stats-inner {
      padding: 0 24px;
    }

    .cta-band {
      padding: 72px 24px;
    }

    footer {
      padding: 48px 24px 32px;
    }

    .footer-inner {
      grid-template-columns: 1fr;
      gap: 40px;
    }

    .footer-bottom {
      flex-direction: column;
      text-align: center;
    }

    .testimonials-grid,
    .services-grid {
      grid-template-columns: 1fr;
    }
  }

  /* ── CUSTOM FIXES ────────────────────────────────────────────── */
  .header-logo {
    width: 32px;
    height: 32px;
    background-color: var(--n800);
    mask: url('./assets/house.svg') no-repeat center / contain;
    -webkit-mask: url('./assets/house.svg') no-repeat center / contain;
  }

  .nav-contact-link {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 16px;
    font-weight: 500;
    letter-spacing: 0.01em;
    transition: color .2s;
  }

  .nav-contact-link:hover {
    color: var(--text);
  }

  .footer-logo {
    /* Adjusting brightness based on the original design */
    filter: brightness(0) invert(0.6);
  }

  /* ── FAQ PAGE SPECIFIC STYLES ────────────────────────────── */
  .search-wrap {
    max-width: 600px;
    margin: 0 auto;
    position: relative;
  }

  .search-wrap svg {
    position: absolute;
    left: 18px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted);
    pointer-events: none;
  }

  #faq-search {
    width: 100%;
    padding: 16px 20px 16px 52px;
    background: var(--bg3);
    border: 1px solid var(--border-md);
    border-radius: var(--r-pill);
    color: var(--text);
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    outline: none;
    transition: border-color .2s, box-shadow .2s;
  }

  #faq-search::placeholder {
    color: var(--text-muted);
  }

  #faq-search:focus {
    border-color: var(--accent-bdr);
    box-shadow: 0 0 0 3px var(--accent-dim);
  }

  .search-clear {
    position: absolute;
    right: 18px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    color: var(--text-muted);
    cursor: pointer;
    font-size: 20px;
    display: none;
    padding: 4px;
    transition: color .2s;
    line-height: 1;
  }

  .search-clear:hover {
    color: var(--text);
  }

  .search-count {
    text-align: center;
    color: var(--text-muted);
    font-size: 14px;
    margin-top: 12px;
    min-height: 20px;
  }

  .categories {
    padding: 72px 56px 0;
    max-width: 1200px;
    margin: 0 auto;
  }

  .section-tag {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--text-muted);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 20px;
  }

  .section-tag img {
    opacity: .7;
  }

  .section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    letter-spacing: -0.025em;
    line-height: 1.15;
    margin-bottom: 44px;
  }

  .cat-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }

  .cat-card {
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 28px 24px;
    text-decoration: none;
    color: var(--text);
    transition: border-color .3s, transform .3s, box-shadow .3s;
    box-shadow: var(--shadow-sm);
    cursor: pointer;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }

  .cat-card:hover {
    border-color: var(--accent-bdr);
    transform: translateY(-4px);
    box-shadow: var(--shadow);
  }

  .cat-icon {
    width: 48px;
    height: 48px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .cat-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    font-weight: 600;
    line-height: 1.3;
  }

  .cat-card p {
    color: var(--text-muted);
    font-size: 13px;
    line-height: 1.6;
    font-weight: 300;
    flex: 1;
  }

  .cat-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: var(--accent);
    font-size: 13px;
    font-weight: 600;
    margin-top: 4px;
  }

  .cat-link svg {
    transition: transform .2s;
  }

  .cat-card:hover .cat-link svg {
    transform: translateX(4px);
  }

  .faq-sections {
    padding: 72px 56px 112px;
    max-width: 1200px;
    margin: 0 auto;
  }

  .faq-group {
    margin-bottom: 60px;
  }

  .faq-group.hidden {
    display: none;
  }

  .faq-group-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 24px;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--border);
  }

  .faq-group-icon {
    width: 40px;
    height: 40px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }

  .faq-group h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.45rem;
    font-weight: 600;
  }

  .faq-group-count {
    margin-left: auto;
    background: var(--bg3);
    border: 1px solid var(--border);
    color: var(--text-muted);
    font-size: 12px;
    font-weight: 600;
    padding: 4px 12px;
    border-radius: var(--r-pill);
    letter-spacing: 0.04em;
  }

  .accordion {
    display: flex;
    flex-direction: column;
    gap: 4px;
  }

  .acc-item {
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: var(--r-sm);
    overflow: hidden;
    transition: border-color .2s;
  }

  .acc-item:hover {
    border-color: var(--border-md);
  }

  .acc-item.open {
    border-color: var(--accent-bdr);
  }

  .acc-item.search-hidden {
    display: none;
  }

  .acc-trigger {
    width: 100%;
    background: none;
    border: none;
    cursor: pointer;
    padding: 18px 22px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    text-align: left;
    color: var(--text);
  }

  .acc-question {
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 500;
    line-height: 1.4;
  }

  .acc-chevron {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border: 1px solid var(--border-md);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform .3s, background .2s, border-color .2s;
    color: var(--text-muted);
  }

  .acc-item.open .acc-chevron {
    transform: rotate(180deg);
    background: var(--accent);
    border-color: var(--accent);
    color: var(--n800);
  }

  .acc-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height .35s ease, padding .35s ease;
    padding: 0 22px;
  }

  .acc-item.open .acc-body {
    max-height: 600px;
    padding: 0 22px 18px;
  }

  .acc-body p {
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
    font-weight: 300;
    border-top: 1px solid var(--border);
    padding-top: 14px;
  }

  .acc-body ul {
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.8;
    font-weight: 300;
    border-top: 1px solid var(--border);
    padding-top: 14px;
    padding-left: 20px;
  }

  .acc-body li {
    margin-bottom: 4px;
  }

  mark {
    background: var(--accent-dim);
    color: var(--accent-lt);
    border-radius: 3px;
    padding: 0 2px;
  }

  .no-results {
    text-align: center;
    padding: 80px 20px;
    display: none;
  }

  .no-results h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    margin-bottom: 12px;
  }

  .no-results p {
    color: var(--text-muted);
    font-size: 16px;
  }

  .faq-hero {
    background: var(--bg2);
    border-bottom: 1px solid var(--border);
    padding: 148px 56px 72px;
    text-align: center;
  }

  .faq-hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.4rem, 4vw, 3.6rem);
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -0.025em;
    margin-bottom: 20px;
  }

  .faq-hero p {
    color: var(--text-muted);
    font-size: 20px;
    font-weight: 300;
    max-width: 520px;
    margin: 0 auto 40px;
    line-height: 1.7;
  }

  .faq-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-bdr);
    color: var(--accent);
    padding: 5px 14px;
    border-radius: var(--r-pill);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 24px;
  }

  .faq-badge::before {
    content: '';
    width: 6px;
    height: 6px;
    background: var(--accent);
    border-radius: 50%;
  }

  /* � � � � CALCULATOR PAGE SPECIFIC STYLES � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � */
  .calc-hero {
    background: var(--bg2);
    border-bottom: 1px solid var(--border);
    padding: 120px 56px 48px;
    text-align: center;

  }

  .calc-hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.4rem, 4vw, 3.6rem);
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -0.025em;
    margin-bottom: 20px;

  }

  .calc-hero p {
    color: var(--text-muted);
    font-size: 20px;
    font-weight: 300;
    max-width: 520px;
    margin: 0 auto;
    line-height: 1.7;

  }

  .calc-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 64px;
    align-items: flex-start;

  }

  @media(max-width: 900px) {
    .calc-grid {
      grid-template-columns: 1fr;
      gap: 40px;

    }


  }

  .calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 16px;

  }

  .input-prefix,
  .input-suffix {
    position: relative;
    display: flex;
    align-items: center;

  }

  .prefix-symbol {
    position: absolute;
    left: 16px;
    color: var(--text-muted);
    pointer-events: none;

  }

  .input-prefix input {
    padding-left: 36px;
    width: 100%;

  }

  .suffix-btn {
    width: 48px;
    flex-shrink: 0;
    background: var(--bg3);
    border: 1px solid var(--border-md);
    color: var(--text);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    font-size: 22px;
    transition: background .2s, color .2s;

  }

  .suffix-btn:hover {
    background: var(--border);
    color: var(--accent);

  }

  .suffix-btn:first-child {
    border-right: none;
    border-radius: var(--r-sm) 0 0 var(--r-sm);

  }

  .input-suffix input {
    border-radius: 0;
    text-align: center;
    padding-right: 36px;
    width: 100%;

  }

  .suffix-symbol {
    position: absolute;
    right: 16px;
    color: var(--text-muted);
    pointer-events: none;
    z-index: 2;

  }

  .input-suffix .suffix-btn:last-of-type {
    border-left: none;
    border-radius: 0 var(--r-sm) var(--r-sm) 0;

  }

  .slider-group {
    background: var(--bg2);
    border: 1px solid var(--border-md);
    border-radius: var(--r-sm);
    padding: 20px;

  }

  .slider-header {
    display: flex;
    justify-content: space-between;
    margin-bottom: 24px;

  }

  .slider-header label {
    font-weight: 600;
    color: var(--text);

  }

  input[type="range"] {
    width: 100%;
    margin: 0;
    accent-color: var(--accent);
    cursor: pointer;
  }

  .slider-ticks {
    display: flex;
    justify-content: space-between;
    color: var(--text-muted);
    font-size: 13px;
    margin-top: 12px;
    padding: 0 8px;
    /* Offset the 10 and 35 labels to align with thumb */
  }

  /* Results Card */
  .calc-results-wrapper {
    position: sticky;
    top: 100px;

  }

  .calc-results-card {
    background: var(--bg2);
    border: 1px solid var(--border);
    border-radius: var(--r);
    padding: 40px;
    box-shadow: var(--shadow-lg);

  }

  .result-row {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 24px;

  }

  .result-row span {
    color: var(--text-muted);
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;

  }

  .main-result {
    padding-bottom: 32px;
    border-bottom: 1px solid var(--border-md);
    margin-bottom: 32px;

  }

  .main-result h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    color: var(--text);
    line-height: 1.1;

  }

  .secondary-result {
    margin-bottom: 20px;

  }

  .secondary-result h3 {
    font-size: 1.75rem;
    color: var(--text);
    font-weight: 500;

  }

  .total-cash {
    padding-top: 32px;
    border-top: 1px solid var(--border-md);
    margin-top: 32px;
    margin-bottom: 0;

  }

  .accent-text {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    color: var(--accent);
    line-height: 1.1;

  }

  /* Interactive Form Toggles */
  .term-toggles {
    display: flex;
    gap: 8px;
  }

  .term-toggle {
    flex: 1;
    background: var(--bg3);
    border: 1px solid var(--border-md);
    border-radius: var(--r-sm);
    color: var(--text-muted);
    padding: 12px 0;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
  }

  .term-toggle.active {
    background: var(--accent-dim);
    border-color: var(--accent);
    color: var(--text);
  }

  .term-toggle:hover:not(.active) {
    background: var(--bg2);
    border-color: var(--border);
    color: var(--text);
  }

  .btn-adjust {
    width: 44px;
    height: 44px;
    background: var(--bg3);
    border: 1px solid var(--border-md);
    border-radius: var(--r-sm);
    color: var(--text);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    font-size: 20px;
    transition: background 0.2s, color 0.2s;
  }

  .btn-adjust:hover {
    background: var(--bg2);
    border-color: var(--border);
    color: var(--accent);
  }