/* ============ DESIGN TOKENS, Mzansi Debt brand palette ============ */
    :root {
      /* Forest green, primary brand */
      --forest-900: #0A2E2A;
      --forest-800: #0E3D38;
      --forest-700: #1A524C;
      --forest-600: #2A6A62;
      --forest-500: #3F8A81;

      /* Warm gold, accent / financial growth */
      --gold-600: #B08838;
      --gold-500: #C99A47;
      --gold-400: #D9B26A;
      --gold-300: #E8CB95;
      --gold-100: #F5E8C9;

      /* Off-whites & ink */
      --offwhite: #FAF7F0;
      --cream: #F3ECDC;
      --ink: #0A2E2A;
      --ink-soft: #4A5F5B;
      --line: rgba(10, 46, 42, 0.1);

      --font-display: 'Fraunces', Georgia, serif;
      --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

      --shadow-sm: 0 2px 8px rgba(10, 46, 42, 0.05);
      --shadow-md: 0 8px 24px rgba(10, 46, 42, 0.09);
      --shadow-lg: 0 20px 50px rgba(10, 46, 42, 0.13);

      --radius-sm: 8px;
      --radius-md: 14px;
      --radius-lg: 22px;
      --radius-xl: 32px;

      --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
      --ease-smooth: cubic-bezier(0.65, 0, 0.35, 1);
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: var(--font-body);
      font-size: 16px;
      line-height: 1.6;
      color: var(--ink);
      background: var(--offwhite);
      overflow-x: hidden;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
    }

    body::before {
      content: '';
      position: fixed;
      inset: 0;
      background:
        radial-gradient(ellipse 800px 600px at 10% 10%, rgba(63, 138, 129, 0.08), transparent 60%),
        radial-gradient(ellipse 600px 800px at 90% 90%, rgba(201, 154, 71, 0.08), transparent 60%);
      pointer-events: none;
      z-index: -1;
    }

    img { max-width: 100%; display: block; }
    a { color: inherit; text-decoration: none; }
    button { font-family: inherit; cursor: pointer; border: none; background: none; }

    .container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

    .eyebrow {
      display: inline-block;
      font-size: 12px;
      font-weight: 600;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--gold-600);
      margin-bottom: 16px;
    }

    h1, h2, h3, h4 {
      font-family: var(--font-display);
      font-weight: 500;
      letter-spacing: -0.02em;
      line-height: 1.1;
      color: var(--forest-900);
    }
    .h-section { font-size: clamp(2rem, 4vw, 3rem); }

    /* ============ CUSTOM CURSOR ============ */
    .cursor-dot, .cursor-ring {
      position: fixed;
      top: 0; left: 0;
      pointer-events: none;
      z-index: 9999;
      will-change: transform;
    }
    .cursor-dot {
      width: 6px; height: 6px;
      background: var(--forest-800);
      border-radius: 50%;
      transform: translate(-50%, -50%);
      transition: width 0.3s var(--ease-out), height 0.3s var(--ease-out), background 0.3s;
      mix-blend-mode: multiply;
    }
    .cursor-ring {
      width: 36px; height: 36px;
      border: 1.5px solid rgba(14, 61, 56, 0.35);
      border-radius: 50%;
      transform: translate(-50%, -50%);
      transition: width 0.4s var(--ease-out), height 0.4s var(--ease-out),
                  background 0.4s var(--ease-out), border-color 0.3s, color 0.3s;
      display: flex; align-items: center; justify-content: center;
      font-size: 11px; font-weight: 600; color: transparent;
      letter-spacing: 0.05em;
      background: transparent;
    }
    .cursor-ring.cursor-cta {
      width: 92px; height: 92px;
      background: var(--gold-500);
      border-color: var(--gold-500);
      color: var(--forest-900);
      box-shadow: 0 0 30px rgba(201, 154, 71, 0.5);
    }
    .cursor-ring.cursor-link {
      width: 56px; height: 56px;
      background: rgba(14, 61, 56, 0.08);
      border-color: rgba(14, 61, 56, 0.3);
    }
    @media (max-width: 768px), (hover: none) {
      .cursor-dot, .cursor-ring { display: none; }
    }

    /* ============ HEADER ============ */
    .header {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 100;
      padding: 16px 0;
      background: rgba(250, 247, 240, 0.7);
      backdrop-filter: blur(20px) saturate(180%);
      -webkit-backdrop-filter: blur(20px) saturate(180%);
      border-bottom: 1px solid transparent;
      transition: background 0.3s, border-color 0.3s, padding 0.3s;
    }
    .header.scrolled {
      background: rgba(250, 247, 240, 0.92);
      border-color: var(--line);
      padding: 10px 0;
    }
    .header-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
    }
    .logo { display: flex; align-items: center; }
    .logo img {
      height: 64px;
      width: auto;
      transition: height 0.3s;
    }
    .header.scrolled .logo img { height: 52px; }
    @media (max-width: 540px) {
      .logo img { height: 50px; }
      .header.scrolled .logo img { height: 42px; }
    }

    .nav { display: flex; gap: 36px; align-items: center; }
    .nav a {
      font-size: 14px;
      font-weight: 500;
      color: var(--ink-soft);
      transition: color 0.2s;
      position: relative;
    }
    .nav a::after {
      content: '';
      position: absolute;
      bottom: -4px; left: 0;
      width: 0; height: 1px;
      background: var(--gold-500);
      transition: width 0.3s var(--ease-out);
    }
    .nav a:hover { color: var(--forest-800); }
    .nav a:hover::after { width: 100%; }
    @media (max-width: 820px) { .nav { display: none; } }

    .header-cta {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 10px 18px;
      border-radius: 100px;
      background: var(--forest-800);
      color: #fff;
      font-size: 13px;
      font-weight: 500;
      transition: background 0.3s, transform 0.3s;
    }
    .header-cta:hover {
      background: var(--forest-700);
      transform: translateY(-1px);
    }
    .header-cta svg { width: 14px; height: 14px; }

    /* ============ HERO ============ */
    .hero {
      padding: 180px 0 100px;
      position: relative;
      overflow: hidden;
    }
    .hero-grid {
      display: grid;
      grid-template-columns: 1.1fr 1fr;
      gap: 60px;
      align-items: center;
    }
    @media (max-width: 920px) {
      .hero-grid { grid-template-columns: 1fr; gap: 40px; }
      .hero { padding: 140px 0 60px; }
    }
    .hero-content { max-width: 620px; }
    .hero h1 {
      margin-bottom: 24px;
      font-size: clamp(2.5rem, 6vw, 4.75rem);
    }
    .hero h1 .line { display: block; overflow: hidden; }
    .hero h1 .line-inner {
      display: block;
      opacity: 0;
      transform: translateY(100%);
    }
    .hero h1 em {
      font-style: italic;
      font-weight: 400;
      color: var(--gold-600);
    }
    .hero-sub {
      font-size: clamp(1rem, 1.4vw, 1.15rem);
      color: var(--ink-soft);
      margin-bottom: 36px;
      max-width: 540px;
      opacity: 0;
      transform: translateY(20px);
    }
    .hero-slogan {
      font-family: var(--font-display);
      font-size: clamp(1.05rem, 1.7vw, 1.35rem);
      font-weight: 500;
      letter-spacing: -0.01em;
      color: var(--forest-700);
      margin: 8px 0 28px;
      max-width: 540px;
      line-height: 1.35;
      opacity: 0;
      transform: translateY(20px);
      display: flex;
      align-items: baseline;
      gap: 14px;
      flex-wrap: wrap;
    }
    .hero-slogan::before {
      content: '';
      flex-shrink: 0;
      width: 28px;
      height: 2px;
      background: var(--gold-500);
      border-radius: 2px;
      align-self: center;
    }
    .hero-slogan em {
      font-style: italic;
      font-weight: 400;
      color: var(--gold-600);
    }
    @media (max-width: 540px) {
      .hero-slogan { gap: 12px; }
      .hero-slogan::before { width: 20px; }
    }
    .hero-cta-row {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 20px;
      opacity: 0;
      transform: translateY(20px);
    }
    .btn-primary {
      position: relative;
      display: inline-flex;
      align-items: center;
      gap: 12px;
      padding: 18px 32px;
      border-radius: 100px;
      background: linear-gradient(135deg, var(--forest-700) 0%, var(--forest-900) 100%);
      color: #fff;
      font-size: 15px;
      font-weight: 600;
      letter-spacing: 0.01em;
      transition: transform 0.4s var(--ease-out), box-shadow 0.4s var(--ease-out);
      box-shadow: 0 10px 30px rgba(10, 46, 42, 0.25);
      overflow: hidden;
      isolation: isolate;
    }
    .btn-primary::before {
      content: '';
      position: absolute;
      inset: 0;
      background: linear-gradient(135deg, var(--gold-500), var(--forest-700));
      opacity: 0;
      transition: opacity 0.4s var(--ease-out);
      z-index: -1;
    }
    .btn-primary::after {
      content: '';
      position: absolute;
      inset: -4px;
      border-radius: 100px;
      background: radial-gradient(circle at center, rgba(201, 154, 71, 0.55), transparent 70%);
      opacity: 0;
      transition: opacity 0.5s;
      z-index: -2;
      filter: blur(20px);
    }
    .btn-primary:hover {
      transform: translateY(-2px);
      box-shadow: 0 16px 40px rgba(10, 46, 42, 0.35), 0 0 60px rgba(201, 154, 71, 0.4);
    }
    .btn-primary:hover::before { opacity: 1; }
    .btn-primary:hover::after { opacity: 1; }
    .btn-primary svg {
      width: 16px; height: 16px;
      transition: transform 0.3s var(--ease-out);
    }
    .btn-primary:hover svg { transform: translateX(4px); }

    .btn-primary.glowing { animation: gentle-pulse 3s ease-in-out infinite; }
    @keyframes gentle-pulse {
      0%, 100% { box-shadow: 0 10px 30px rgba(10, 46, 42, 0.25), 0 0 0 0 rgba(201, 154, 71, 0.5); }
      50% { box-shadow: 0 10px 30px rgba(10, 46, 42, 0.25), 0 0 35px 10px rgba(201, 154, 71, 0.25); }
    }

    .hero-meta {
      font-size: 13px;
      color: var(--ink-soft);
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .hero-meta .dot {
      width: 6px; height: 6px;
      border-radius: 50%;
      background: var(--gold-500);
      animation: live-dot 2s ease-in-out infinite;
    }
    @keyframes live-dot {
      0%, 100% { box-shadow: 0 0 0 0 rgba(201, 154, 71, 0.5); }
      50% { box-shadow: 0 0 0 6px rgba(201, 154, 71, 0); }
    }

    /* Hero visual, debt consolidation animation */
    .hero-visual {
      position: relative;
      aspect-ratio: 1;
      max-width: 520px;
      margin: 0 auto;
      width: 100%;
      border-radius: 28px;
      overflow: hidden;
      background: linear-gradient(135deg, #F8F1E4 0%, #F0E5CC 100%);
      box-shadow:
        0 30px 60px rgba(10, 46, 42, 0.12),
        inset 0 1px 0 rgba(255, 255, 255, 0.5);
      transition: background 1.5s cubic-bezier(0.4, 0, 0.2, 1);
    }
    .hero-visual.chaos {
      background: linear-gradient(135deg, #F0E5CC 0%, #E8D5B7 100%);
    }
    .hero-visual.resolved {
      background:
        radial-gradient(ellipse at center, rgba(232, 203, 149, 0.5), transparent 60%),
        linear-gradient(135deg, #FAF3E1 0%, #F5E8C9 100%);
    }
    .hero-visual::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(ellipse at center, transparent 40%, rgba(196, 69, 54, 0.08) 100%);
      opacity: 0;
      transition: opacity 1s;
      pointer-events: none;
    }
    .hero-visual.chaos::before { opacity: 1; }
    .hero-visual::after {
      content: '';
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%);
      width: 120%; height: 120%;
      background: radial-gradient(circle, rgba(201, 154, 71, 0.35), transparent 50%);
      opacity: 0;
      transition: opacity 1.2s;
      pointer-events: none;
    }
    .hero-visual.resolved::after { opacity: 1; }

    /* Debt cards (scaled for hero, slightly smaller than demo) */
    .dcard {
      position: absolute;
      top: 50%; left: 50%;
      width: 175px;
      height: 108px;
      border-radius: 11px;
      padding: 12px 14px;
      color: #fff;
      box-shadow:
        0 8px 24px rgba(0, 0, 0, 0.25),
        0 2px 4px rgba(0, 0, 0, 0.1),
        inset 0 1px 0 rgba(255, 255, 255, 0.15);
      opacity: 0;
      z-index: 2;
      will-change: transform, opacity;
      transform: translate(-50%, -50%) translate(var(--tx, 0), var(--ty, 0)) rotate(var(--rot, 0deg)) scale(0.9);
      transition: transform 1.2s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.6s;
      font-family: 'Inter', sans-serif;
      overflow: hidden;
    }
    .dcard::before {
      content: '';
      position: absolute;
      inset: 0;
      background: linear-gradient(135deg, rgba(255,255,255,0.18), transparent 40%, transparent 60%, rgba(255,255,255,0.08));
      pointer-events: none;
    }
    .dcard::after {
      content: '';
      position: absolute;
      top: 12px;
      right: 14px;
      width: 22px;
      height: 16px;
      background: linear-gradient(135deg, rgba(255, 215, 0, 0.45), rgba(218, 165, 32, 0.65));
      border-radius: 3px;
      box-shadow: inset 0 1px 1px rgba(255,255,255,0.4), inset 0 -1px 1px rgba(0,0,0,0.2);
    }
    .dcard .label {
      font-size: 8px;
      font-weight: 600;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      opacity: 0.75;
      margin-bottom: 3px;
    }
    .dcard .name {
      font-family: 'Fraunces', Georgia, serif;
      font-size: 13px;
      font-weight: 600;
      letter-spacing: -0.01em;
      line-height: 1.2;
      margin-bottom: 14px;
      max-width: 110px;
    }
    .dcard .number {
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-size: 9px;
      font-weight: 500;
      opacity: 0.7;
      letter-spacing: 0.06em;
      margin-bottom: 5px;
    }
    .dcard .amount {
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-size: 14px;
      font-weight: 600;
      letter-spacing: -0.01em;
    }
    .dcard .due {
      position: absolute;
      bottom: 9px;
      right: 12px;
      font-size: 7px;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 3px 6px;
      border-radius: 100px;
      background: rgba(196, 69, 54, 0.9);
      color: #fff;
      animation: due-blink 1.4s ease-in-out infinite;
    }
    @keyframes due-blink {
      0%, 100% { opacity: 1; }
      50% { opacity: 0.5; }
    }

    .dcard.c1 { background: linear-gradient(135deg, #8E2D22 0%, #5C1D16 100%); }
    .dcard.c2 { background: linear-gradient(135deg, #A2511F 0%, #6B3514 100%); }
    .dcard.c3 { background: linear-gradient(135deg, #5C3614 0%, #3A220D 100%); }
    .dcard.c4 { background: linear-gradient(135deg, #3F2814 0%, #241608 100%); }
    .dcard.c5 { background: linear-gradient(135deg, #2E1A0E 0%, #190D07 100%); }

    /* Mobile sizing, cards a little smaller to fit */
    @media (max-width: 540px) {
      .dcard { width: 150px; height: 92px; padding: 10px 12px; }
      .dcard .name { font-size: 11px; margin-bottom: 10px; }
      .dcard .amount { font-size: 12px; }
      .dcard .label { font-size: 7px; }
      .dcard .number { font-size: 8px; }
    }

    .hero-visual.intro .dcard { opacity: 1; }
    .hero-visual.intro .dcard.c1 { --tx: -150px; --ty: -75px; --rot: -14deg; transition-delay: 0s; }
    .hero-visual.intro .dcard.c2 { --tx: 105px; --ty: -90px; --rot: 9deg; transition-delay: 0.1s; }
    .hero-visual.intro .dcard.c3 { --tx: -120px; --ty: 45px; --rot: 18deg; transition-delay: 0.2s; }
    .hero-visual.intro .dcard.c4 { --tx: 135px; --ty: 60px; --rot: -10deg; transition-delay: 0.3s; }
    .hero-visual.intro .dcard.c5 { --tx: -10px; --ty: 110px; --rot: 5deg; transition-delay: 0.4s; }

    .hero-visual.chaos .dcard { animation: jitter 0.6s ease-in-out infinite; }
    .hero-visual.chaos .dcard.c1 { animation-delay: 0s; }
    .hero-visual.chaos .dcard.c2 { animation-delay: 0.1s; }
    .hero-visual.chaos .dcard.c3 { animation-delay: 0.2s; }
    .hero-visual.chaos .dcard.c4 { animation-delay: 0.15s; }
    .hero-visual.chaos .dcard.c5 { animation-delay: 0.25s; }
    @keyframes jitter {
      0%, 100% { transform: translate(-50%, -50%) translate(var(--tx, 0), var(--ty, 0)) rotate(var(--rot, 0deg)); }
      50% { transform: translate(-50%, -50%) translate(calc(var(--tx, 0) + 2px), calc(var(--ty, 0) - 1px)) rotate(calc(var(--rot, 0deg) + 0.5deg)); }
    }

    .hero-visual.pulling .dcard {
      --tx: 0;
      --ty: 0;
      --rot: 0deg;
      animation: none;
      transition: transform 0.7s cubic-bezier(0.65, 0, 0.35, 1), opacity 0.5s 0.4s;
      transform: translate(-50%, -50%) scale(0.4);
      opacity: 0;
      filter: blur(2px);
    }

    .hero-trail {
      position: absolute;
      top: 50%; left: 50%;
      height: 2px;
      border-radius: 2px;
      transform-origin: left center;
      opacity: 0;
      pointer-events: none;
      z-index: 1;
    }
    .hero-visual.pulling .hero-trail { animation: trail-fade 0.7s ease-out forwards; }
    .hero-trail.t1 { background: linear-gradient(90deg, transparent, #8E2D22); transform: translate(-50%, -50%) rotate(205deg); width: 200px; }
    .hero-trail.t2 { background: linear-gradient(90deg, transparent, #A2511F); transform: translate(-50%, -50%) rotate(-30deg); width: 175px; }
    .hero-trail.t3 { background: linear-gradient(90deg, transparent, #5C3614); transform: translate(-50%, -50%) rotate(160deg); width: 160px; }
    .hero-trail.t4 { background: linear-gradient(90deg, transparent, #3F2814); transform: translate(-50%, -50%) rotate(20deg); width: 175px; }
    .hero-trail.t5 { background: linear-gradient(90deg, transparent, #2E1A0E); transform: translate(-50%, -50%) rotate(95deg); width: 145px; }
    @keyframes trail-fade {
      0% { opacity: 0; }
      40% { opacity: 0.8; }
      100% { opacity: 0; }
    }

    .hero-burst {
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%) scale(0);
      width: 60px; height: 60px;
      border-radius: 50%;
      background: radial-gradient(circle, var(--gold-300) 0%, var(--gold-500) 40%, transparent 70%);
      opacity: 0;
      pointer-events: none;
      z-index: 3;
    }
    .hero-visual.colliding .hero-burst {
      animation: hero-burst-out 0.7s cubic-bezier(0.16, 1, 0.3, 1) forwards;
    }
    @keyframes hero-burst-out {
      0% { transform: translate(-50%, -50%) scale(0); opacity: 0; }
      30% { transform: translate(-50%, -50%) scale(2); opacity: 1; }
      100% { transform: translate(-50%, -50%) scale(6); opacity: 0; }
    }

    .hero-flash {
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%) scale(0);
      width: 90px; height: 90px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(255, 255, 255, 0.95), transparent 60%);
      opacity: 0;
      pointer-events: none;
      mix-blend-mode: screen;
      z-index: 4;
    }
    .hero-visual.colliding .hero-flash {
      animation: hero-flash-out 0.4s ease-out forwards;
    }
    @keyframes hero-flash-out {
      0% { transform: translate(-50%, -50%) scale(0); opacity: 0; }
      20% { transform: translate(-50%, -50%) scale(1.5); opacity: 1; }
      100% { transform: translate(-50%, -50%) scale(2.5); opacity: 0; }
    }

    .final-card {
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%) scale(0.4) rotate(-4deg);
      width: 250px;
      border-radius: 16px;
      padding: 22px 24px 20px;
      background:
        linear-gradient(135deg, #F5E8C9 0%, #E8CB95 60%, #D9B26A 100%);
      color: var(--forest-900);
      box-shadow:
        0 30px 80px rgba(176, 136, 56, 0.45),
        0 12px 32px rgba(10, 46, 42, 0.2),
        inset 0 1px 0 rgba(255, 255, 255, 0.6),
        inset 0 -1px 0 rgba(176, 136, 56, 0.3);
      opacity: 0;
      transition: transform 0.9s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.5s;
      overflow: hidden;
      z-index: 5;
    }
    @media (max-width: 540px) {
      .final-card { width: 220px; padding: 18px 20px 16px; }
    }
    .final-card::before {
      content: '';
      position: absolute;
      top: 0; bottom: 0;
      left: -50%;
      width: 80px;
      background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.6), transparent);
      transform: skewX(-20deg);
      opacity: 0;
    }
    .hero-visual.resolved .final-card {
      transform: translate(-50%, -50%) scale(1) rotate(0deg);
      opacity: 1;
      transition-delay: 0.2s;
    }
    .hero-visual.resolved .final-card::before {
      animation: hero-shimmer 2.5s ease-out 1s infinite;
    }
    @keyframes hero-shimmer {
      0% { left: -50%; opacity: 0; }
      20% { opacity: 1; }
      60% { left: 110%; opacity: 0; }
      100% { left: 110%; opacity: 0; }
    }
    .final-card .stamp {
      position: absolute;
      top: 10px;
      right: 10px;
      width: 44px;
      height: 44px;
      border-radius: 50%;
      border: 2px solid var(--forest-800);
      display: grid;
      place-items: center;
      font-size: 6.5px;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: var(--forest-800);
      text-align: center;
      line-height: 1.1;
      transform: rotate(-12deg);
      opacity: 0;
    }
    .final-card .stamp::before {
      content: '';
      position: absolute;
      inset: -4px;
      border-radius: 50%;
      border: 1.5px dashed var(--forest-800);
      opacity: 0.4;
    }
    .hero-visual.resolved .final-card .stamp {
      animation: stamp-pop 0.5s cubic-bezier(0.16, 1, 0.3, 1) 1.1s both;
    }
    @keyframes stamp-pop {
      0% { transform: rotate(-12deg) scale(2); opacity: 0; }
      100% { transform: rotate(-12deg) scale(1); opacity: 0.85; }
    }
    .final-card .top-label {
      font-size: 8.5px;
      font-weight: 700;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--forest-700);
      margin-bottom: 5px;
    }
    .final-card .headline {
      font-family: 'Fraunces', Georgia, serif;
      font-size: 20px;
      font-weight: 600;
      letter-spacing: -0.02em;
      line-height: 1.1;
      margin-bottom: 14px;
      color: var(--forest-900);
    }
    .final-card .divider {
      height: 1px;
      background: linear-gradient(90deg, transparent, rgba(10, 46, 42, 0.25), transparent);
      margin: 0 -6px 10px;
    }
    .final-card .row {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      margin-bottom: 3px;
      font-size: 10.5px;
    }
    .final-card .row .key {
      color: var(--forest-700);
      font-weight: 500;
    }
    .final-card .row .val {
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-weight: 600;
      color: var(--forest-900);
    }
    .final-card .row.was .val {
      text-decoration: line-through;
      opacity: 0.45;
    }
    .final-card .row.now {
      margin-top: 7px;
    }
    .final-card .row.now .key {
      font-weight: 700;
      color: var(--forest-900);
    }
    .final-card .row.now .val {
      font-size: 17px;
      color: var(--forest-900);
    }

    .hero-particles {
      position: absolute;
      inset: 0;
      pointer-events: none;
      opacity: 0;
      transition: opacity 0.8s 0.6s;
      z-index: 4;
    }
    .hero-visual.resolved .hero-particles { opacity: 1; }
    .hero-particle {
      position: absolute;
      width: 4px;
      height: 4px;
      border-radius: 50%;
      background: var(--gold-400);
      box-shadow: 0 0 6px var(--gold-300);
      opacity: 0;
    }
    .hero-visual.resolved .hero-particle {
      animation: hero-float-up 3.5s ease-out infinite;
    }
    @keyframes hero-float-up {
      0% { transform: translateY(0) scale(0); opacity: 0; }
      15% { opacity: 1; transform: translateY(-20px) scale(1); }
      100% { transform: translateY(-200px) scale(0.3); opacity: 0; }
    }

    /* ============ TRUST MARQUEE ============ */
    .trust {
      padding: 40px 0;
      background: linear-gradient(180deg, transparent, var(--cream) 30%, var(--cream) 70%, transparent);
      border-top: 1px solid var(--line);
      border-bottom: 1px solid var(--line);
    }
    .trust-grid {
      display: grid;
      grid-template-columns: 1fr auto 1fr;
      gap: 40px;
      align-items: center;
    }
    @media (max-width: 820px) {
      .trust-grid { grid-template-columns: 1fr; text-align: center; }
    }
    .trust-counter { text-align: center; }
    .trust-counter .number {
      font-family: var(--font-display);
      font-size: clamp(2.5rem, 5vw, 3.5rem);
      font-weight: 500;
      color: var(--forest-900);
      letter-spacing: -0.03em;
      line-height: 1;
    }
    .trust-counter .number span { color: var(--gold-600); }
    .trust-counter .label {
      font-size: 12px;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--ink-soft);
      margin-top: 8px;
      font-weight: 500;
    }
    .trust-marquee {
      overflow: hidden;
      mask-image: linear-gradient(90deg, transparent, #000 15%, #000 85%, transparent);
      -webkit-mask-image: linear-gradient(90deg, transparent, #000 15%, #000 85%, transparent);
    }
    .trust-marquee-inner {
      display: flex;
      gap: 60px;
      animation: marquee 30s linear infinite;
      white-space: nowrap;
    }
    @keyframes marquee { to { transform: translateX(-50%); } }
    .trust-item {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      font-size: 13px;
      font-weight: 500;
      color: var(--ink-soft);
      flex-shrink: 0;
    }
    .trust-item svg { width: 18px; height: 18px; color: var(--gold-600); }

    /* ============ STEPS ============ */
    .steps { padding: 120px 0; }
    .section-head {
      text-align: center;
      max-width: 680px;
      margin: 0 auto 64px;
    }
    .section-head p {
      color: var(--ink-soft);
      font-size: 17px;
      margin-top: 16px;
    }
    .steps-grid {
      display: grid;
      grid-template-columns: repeat(5, 1fr);
      gap: 20px;
    }
    @media (max-width: 1100px) { .steps-grid { grid-template-columns: repeat(2, 1fr); } }
    @media (max-width: 600px) { .steps-grid { grid-template-columns: 1fr; } }

    .step-card {
      position: relative;
      background: #fff;
      border-radius: var(--radius-lg);
      padding: 32px 24px;
      border: 1px solid var(--line);
      transition: transform 0.5s var(--ease-out), box-shadow 0.5s var(--ease-out), border-color 0.4s;
      transform-style: preserve-3d;
      cursor: pointer;
      overflow: hidden;
    }
    .step-card::before {
      content: '';
      position: absolute;
      inset: 0;
      background: linear-gradient(135deg, rgba(232, 203, 149, 0.25), transparent 70%);
      opacity: 0;
      transition: opacity 0.5s var(--ease-out);
      z-index: 0;
    }
    .step-card:hover {
      transform: translateY(-8px) rotateX(2deg);
      box-shadow: 0 30px 60px rgba(10, 46, 42, 0.15), 0 0 0 1px var(--gold-300);
      border-color: transparent;
    }
    .step-card:hover::before { opacity: 1; }
    .step-card > * { position: relative; z-index: 1; }

    .step-number {
      font-family: var(--font-display);
      font-size: 13px;
      font-weight: 600;
      color: var(--gold-600);
      letter-spacing: 0.1em;
      margin-bottom: 16px;
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .step-number::before {
      content: '';
      width: 24px; height: 1px;
      background: var(--gold-500);
    }
    .step-badge {
      display: inline-flex;
      align-items: center;
      padding: 3px 9px;
      margin-left: auto;
      border-radius: 100px;
      background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
      color: var(--forest-900);
      font-family: var(--font-body);
      font-size: 10px;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      box-shadow: 0 2px 8px rgba(201, 154, 71, 0.3);
      animation: badge-pulse 2.5s ease-in-out infinite;
    }
    @keyframes badge-pulse {
      0%, 100% { box-shadow: 0 2px 8px rgba(201, 154, 71, 0.3); }
      50% { box-shadow: 0 2px 14px rgba(201, 154, 71, 0.55); }
    }
    .step-icon {
      width: 48px; height: 48px;
      border-radius: 12px;
      background: linear-gradient(135deg, var(--forest-700), var(--forest-900));
      display: grid; place-items: center;
      margin-bottom: 20px;
      color: var(--gold-400);
      transition: transform 0.4s var(--ease-out);
    }
    .step-card:hover .step-icon { transform: scale(1.1) rotate(-3deg); }
    .step-icon svg { width: 22px; height: 22px; }
    .step-card h3 { font-size: 18px; margin-bottom: 10px; line-height: 1.3; }
    .step-card p { font-size: 14px; color: var(--ink-soft); line-height: 1.5; }

    /* ============ TESTIMONIALS ============ */
    .testimonials {
      padding: 120px 0;
      background: linear-gradient(180deg, transparent, var(--cream) 50%, transparent);
      position: relative;
    }
    .testi-slider { max-width: 820px; margin: 0 auto; position: relative; }
    .testi-track { position: relative; min-height: 280px; }
    .testi-slide {
      position: absolute;
      inset: 0;
      opacity: 0;
      transform: translateY(20px);
      transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
      pointer-events: none;
      text-align: center;
    }
    .testi-slide.active { opacity: 1; transform: translateY(0); pointer-events: auto; }
    .testi-stars {
      display: flex;
      justify-content: center;
      gap: 4px;
      margin-bottom: 24px;
      color: var(--gold-500);
    }
    .testi-stars svg { width: 18px; height: 18px; fill: currentColor; }
    .testi-quote {
      font-family: var(--font-display);
      font-size: clamp(1.25rem, 2.2vw, 1.6rem);
      line-height: 1.4;
      color: var(--forest-900);
      font-weight: 400;
      margin-bottom: 32px;
      letter-spacing: -0.01em;
    }
    .testi-author { display: flex; align-items: center; justify-content: center; gap: 14px; }
    .testi-avatar {
      width: 48px; height: 48px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--gold-500), var(--forest-700));
      display: grid; place-items: center;
      color: #fff;
      font-weight: 600;
      font-size: 16px;
    }
    .testi-info { text-align: left; }
    .testi-info strong {
      display: block;
      font-size: 14px;
      color: var(--forest-900);
      font-weight: 600;
    }
    .testi-info span { font-size: 12px; color: var(--ink-soft); }
    .testi-dots { display: flex; justify-content: center; gap: 8px; margin-top: 40px; }
    .testi-dot {
      width: 24px; height: 3px;
      border-radius: 2px;
      background: var(--line);
      transition: background 0.3s, width 0.3s;
      cursor: pointer;
    }
    .testi-dot.active { background: var(--gold-500); width: 36px; }

    /* ============ CALCULATOR ============ */
    .calc-section {
      padding: 120px 0;
      position: relative;
      overflow: hidden;
    }
    .calc-section::before {
      content: '';
      position: absolute;
      inset: 0;
      background:
        radial-gradient(ellipse 600px 400px at 20% 30%, rgba(201, 154, 71, 0.1), transparent 60%),
        radial-gradient(ellipse 500px 400px at 80% 70%, rgba(63, 138, 129, 0.08), transparent 60%);
      z-index: -1;
    }
    .calc-wrap {
      max-width: 980px;
      margin: 0 auto;
      background: #fff;
      border-radius: 28px;
      border: 1px solid var(--line);
      box-shadow: 0 30px 80px rgba(10, 46, 42, 0.12);
      overflow: hidden;
    }
    .calc-head {
      padding: 40px 44px 32px;
      background: linear-gradient(135deg, var(--forest-900) 0%, var(--forest-800) 100%);
      color: #fff;
      position: relative;
      overflow: hidden;
    }
    .calc-head::before {
      content: '';
      position: absolute;
      top: -50%;
      right: -10%;
      width: 400px;
      height: 400px;
      background: radial-gradient(circle, rgba(201, 154, 71, 0.18), transparent 60%);
      pointer-events: none;
    }
    @media (max-width: 640px) { .calc-head { padding: 30px 24px 26px; } }
    .calc-head .eyebrow {
      color: var(--gold-400);
      margin-bottom: 12px;
    }
    .calc-head h2 {
      color: #fff;
      font-size: clamp(1.6rem, 2.5vw, 2.2rem);
      margin-bottom: 10px;
      letter-spacing: -0.02em;
    }
    .calc-head p {
      color: rgba(255,255,255,0.7);
      font-size: 15px;
      max-width: 620px;
      line-height: 1.55;
    }
    .calc-body {
      padding: 44px;
      position: relative;
    }
    @media (max-width: 640px) { .calc-body { padding: 28px 22px; } }

    /* Step indicator */
    .calc-steps {
      display: flex;
      gap: 8px;
      margin-bottom: 32px;
      justify-content: center;
    }
    .calc-step-dot {
      width: 40px;
      height: 3px;
      border-radius: 2px;
      background: var(--line);
      transition: background 0.4s, width 0.4s;
    }
    .calc-step-dot.active { background: var(--gold-500); width: 60px; }
    .calc-step-dot.done { background: var(--forest-600); }

    /* Steps */
    .calc-step {
      display: none;
    }
    .calc-step.active {
      display: block;
      animation: calc-fade-in 0.5s var(--ease-out);
    }
    @keyframes calc-fade-in {
      from { opacity: 0; transform: translateY(12px); }
      to { opacity: 1; transform: translateY(0); }
    }

    .calc-step-title {
      font-family: var(--font-display);
      font-size: 22px;
      font-weight: 500;
      color: var(--forest-900);
      letter-spacing: -0.02em;
      margin-bottom: 8px;
      text-align: center;
    }
    .calc-step-sub {
      color: var(--ink-soft);
      font-size: 14px;
      text-align: center;
      margin-bottom: 32px;
    }

    /* Calculator input fields */
    .calc-input-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 16px;
      max-width: 620px;
      margin: 0 auto 28px;
    }
    @media (max-width: 540px) { .calc-input-grid { grid-template-columns: 1fr; } }
    .calc-input-grid.single { grid-template-columns: 1fr; max-width: 360px; }
    .calc-field {
      position: relative;
    }
    .calc-field label {
      display: block;
      font-size: 12px;
      font-weight: 600;
      color: var(--forest-700);
      letter-spacing: 0.05em;
      text-transform: uppercase;
      margin-bottom: 8px;
    }
    .calc-field .input-wrap {
      position: relative;
    }
    .calc-field .prefix {
      position: absolute;
      left: 16px;
      top: 50%;
      transform: translateY(-50%);
      color: var(--gold-600);
      font-weight: 600;
      font-size: 15px;
      pointer-events: none;
    }
    .calc-field input {
      width: 100%;
      padding: 16px 16px 16px 36px;
      background: var(--offwhite);
      border: 2px solid var(--line);
      border-radius: 12px;
      color: var(--forest-900);
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-size: 17px;
      font-weight: 600;
      transition: border-color 0.3s, background 0.3s, box-shadow 0.3s;
    }
    .calc-field input:focus {
      outline: none;
      border-color: var(--gold-500);
      background: #fff;
      box-shadow: 0 0 0 4px rgba(201, 154, 71, 0.15);
    }
    .calc-field input.no-prefix {
      padding-left: 16px;
    }
    .calc-field.error input {
      border-color: var(--red-warn, #C44536);
      background: rgba(196, 69, 54, 0.04);
    }
    .calc-field .hint {
      font-size: 11px;
      color: var(--ink-soft);
      margin-top: 6px;
      font-weight: 400;
    }

    /* Calculator button */
    .calc-btn {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      margin: 0 auto;
      padding: 16px 36px;
      border-radius: 100px;
      background: linear-gradient(135deg, var(--forest-700), var(--forest-900));
      color: #fff;
      font-size: 15px;
      font-weight: 600;
      border: none;
      cursor: pointer;
      transition: transform 0.3s, box-shadow 0.3s;
      box-shadow: 0 10px 30px rgba(10, 46, 42, 0.2);
    }
    .calc-btn:hover {
      transform: translateY(-2px);
      box-shadow: 0 14px 40px rgba(10, 46, 42, 0.3), 0 0 40px rgba(201, 154, 71, 0.25);
    }
    .calc-btn:disabled { opacity: 0.5; cursor: not-allowed; }
    .calc-btn svg { width: 16px; height: 16px; }
    .calc-btn.gold {
      background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
      color: var(--forest-900);
    }

    /* Step 2, teaser results */
    .calc-teaser {
      text-align: center;
      padding: 16px 0 8px;
    }
    .calc-teaser-pill {
      display: inline-block;
      padding: 6px 14px;
      border-radius: 100px;
      background: var(--gold-100);
      color: var(--gold-600);
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      margin-bottom: 18px;
    }
    .calc-teaser-headline {
      font-family: var(--font-display);
      font-size: clamp(1.6rem, 3.5vw, 2.4rem);
      font-weight: 500;
      letter-spacing: -0.02em;
      color: var(--forest-900);
      margin-bottom: 8px;
      line-height: 1.2;
    }
    .calc-teaser-headline em {
      font-style: italic;
      color: var(--gold-600);
    }
    .calc-teaser-detail {
      color: var(--ink-soft);
      font-size: 14px;
      margin-bottom: 32px;
      max-width: 460px;
      margin-left: auto;
      margin-right: auto;
    }
    .calc-blurred {
      display: flex;
      justify-content: center;
      gap: 24px;
      margin-bottom: 32px;
      flex-wrap: wrap;
    }
    .calc-blur-card {
      padding: 18px 22px;
      border-radius: 14px;
      background: linear-gradient(135deg, var(--cream), var(--offwhite));
      border: 1px solid var(--gold-300);
      min-width: 200px;
      text-align: left;
      position: relative;
    }
    .calc-blur-card .key {
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--forest-700);
      margin-bottom: 6px;
    }
    .calc-blur-card .val {
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-size: 22px;
      font-weight: 700;
      color: var(--forest-900);
    }
    .calc-blur-card .val.locked {
      filter: blur(7px);
      user-select: none;
      pointer-events: none;
    }
    .calc-blur-card .lock {
      position: absolute;
      top: 50%;
      right: 18px;
      transform: translateY(-50%);
      color: var(--gold-600);
      opacity: 0.85;
    }
    .calc-blur-card .lock svg { width: 18px; height: 18px; }

    .calc-cta-prompt {
      background: linear-gradient(135deg, rgba(201, 154, 71, 0.12), rgba(232, 203, 149, 0.18));
      border: 1px solid var(--gold-300);
      border-radius: 16px;
      padding: 26px 30px;
      text-align: center;
      max-width: 540px;
      margin: 0 auto;
    }
    .calc-cta-prompt h4 {
      font-family: var(--font-display);
      font-size: 18px;
      font-weight: 600;
      color: var(--forest-900);
      margin-bottom: 6px;
      letter-spacing: -0.01em;
    }
    .calc-cta-prompt p {
      font-size: 13px;
      color: var(--ink-soft);
      line-height: 1.5;
      margin-bottom: 18px;
    }

    /* Step 3, full results */
    .calc-results {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 16px;
      margin-bottom: 24px;
    }
    @media (max-width: 540px) { .calc-results { grid-template-columns: 1fr; } }
    .calc-result-card {
      padding: 22px 24px;
      border-radius: 14px;
      background: var(--offwhite);
      border: 1px solid var(--line);
      position: relative;
    }
    .calc-result-card.highlight {
      background: linear-gradient(135deg, var(--gold-100), #FAF3E1);
      border-color: var(--gold-400);
    }
    .calc-result-card .key {
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--forest-700);
      margin-bottom: 8px;
    }
    .calc-result-card.highlight .key { color: var(--gold-600); }
    .calc-result-card .val {
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-size: 26px;
      font-weight: 700;
      color: var(--forest-900);
      line-height: 1;
      margin-bottom: 4px;
    }
    .calc-result-card .sub {
      font-size: 11px;
      color: var(--ink-soft);
    }
    .calc-fees-breakdown {
      background: var(--cream);
      border-radius: 14px;
      padding: 22px 26px;
      margin-bottom: 24px;
      border: 1px solid var(--line);
    }
    .calc-fees-breakdown h4 {
      font-family: var(--font-display);
      font-size: 15px;
      font-weight: 600;
      color: var(--forest-900);
      margin-bottom: 14px;
      letter-spacing: -0.01em;
    }
    .calc-fees-breakdown ul {
      list-style: none;
      display: grid;
      gap: 8px;
      font-size: 13px;
    }
    .calc-fees-breakdown li {
      display: flex;
      justify-content: space-between;
      color: var(--ink-soft);
    }
    .calc-fees-breakdown li strong {
      color: var(--forest-900);
      font-family: 'JetBrains Mono', 'Courier New', monospace;
      font-weight: 600;
    }
    .calc-disclaimer {
      font-size: 11px;
      color: var(--ink-soft);
      line-height: 1.5;
      text-align: center;
      max-width: 600px;
      margin: 20px auto 0;
      opacity: 0.8;
    }

    /* Back button */
    .calc-back {
      background: transparent;
      border: none;
      color: var(--ink-soft);
      font-size: 13px;
      font-weight: 500;
      cursor: pointer;
      display: inline-flex;
      align-items: center;
      gap: 6px;
      padding: 8px 0;
      margin-top: 16px;
      transition: color 0.2s;
    }
    .calc-back:hover { color: var(--forest-800); }
    .calc-back svg { width: 14px; height: 14px; }

    /* ============ BLOG ============ */
    .blog-section {
      padding: 120px 0;
    }
    .blog-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 28px;
      margin-top: 56px;
    }
    @media (max-width: 920px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
    @media (max-width: 600px) { .blog-grid { grid-template-columns: 1fr; } }

    .blog-card {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: 20px;
      overflow: hidden;
      transition: transform 0.5s var(--ease-out), box-shadow 0.5s var(--ease-out);
      display: flex;
      flex-direction: column;
      cursor: pointer;
    }
    .blog-card:hover {
      transform: translateY(-8px);
      box-shadow: 0 30px 60px rgba(10, 46, 42, 0.13);
    }
    .blog-card-image {
      aspect-ratio: 16 / 10;
      background: linear-gradient(135deg, var(--forest-700), var(--forest-900));
      position: relative;
      overflow: hidden;
      display: grid;
      place-items: center;
    }
    .blog-card-image.alt1 {
      background:
        radial-gradient(ellipse at 30% 30%, var(--gold-400), transparent 60%),
        linear-gradient(135deg, var(--forest-800), var(--forest-900));
    }
    .blog-card-image.alt2 {
      background:
        radial-gradient(ellipse at 70% 40%, var(--forest-500), transparent 60%),
        linear-gradient(135deg, var(--forest-900), #050F0E);
    }
    .blog-card-image .icon {
      color: var(--gold-300);
      opacity: 0.45;
      transition: transform 0.6s var(--ease-out), opacity 0.4s;
    }
    .blog-card:hover .blog-card-image .icon {
      transform: scale(1.1) rotate(-3deg);
      opacity: 0.6;
    }
    .blog-card-image .icon svg { width: 64px; height: 64px; }
    .blog-card-image::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(circle at 80% 20%, rgba(255,255,255,0.06), transparent 60%);
    }
    .blog-card-body {
      padding: 26px 28px 28px;
      flex: 1;
      display: flex;
      flex-direction: column;
    }
    .blog-card-meta {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 12px;
      font-size: 11px;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--gold-600);
      font-weight: 600;
    }
    .blog-card-meta .dot {
      width: 3px; height: 3px;
      background: var(--ink-soft);
      border-radius: 50%;
      opacity: 0.5;
    }
    .blog-card-meta .read-time { color: var(--ink-soft); font-weight: 500; }
    .blog-card h3 {
      font-family: var(--font-display);
      font-size: 19px;
      font-weight: 600;
      line-height: 1.3;
      letter-spacing: -0.01em;
      color: var(--forest-900);
      margin-bottom: 10px;
    }
    .blog-card p {
      font-size: 14px;
      color: var(--ink-soft);
      line-height: 1.55;
      margin-bottom: 16px;
      flex: 1;
    }
    .blog-card .read-more {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      font-size: 13px;
      font-weight: 600;
      color: var(--forest-800);
      transition: gap 0.2s, color 0.2s;
    }
    .blog-card:hover .read-more {
      gap: 10px;
      color: var(--gold-600);
    }
    .blog-card .read-more svg { width: 14px; height: 14px; }

    .blog-coming-soon {
      display: inline-block;
      padding: 4px 10px;
      border-radius: 100px;
      background: var(--gold-100);
      color: var(--gold-600);
      font-size: 10px;
      font-weight: 700;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      margin-left: 8px;
    }

    /* ============ FAQ ============ */
    .faq {
      padding: 120px 0;
    }
    .faq-grid {
      display: grid;
      grid-template-columns: 1fr 1.6fr;
      gap: 80px;
      max-width: 1100px;
      margin: 0 auto;
      align-items: start;
    }
    @media (max-width: 920px) {
      .faq-grid { grid-template-columns: 1fr; gap: 40px; }
      .faq { padding: 80px 0; }
    }
    .faq-intro {
      position: sticky;
      top: 120px;
    }
    @media (max-width: 920px) {
      .faq-intro { position: static; }
    }
    .faq-intro h2 {
      margin-bottom: 20px;
    }
    .faq-intro p {
      color: var(--ink-soft);
      font-size: 16px;
      margin-bottom: 28px;
      line-height: 1.6;
    }
    .faq-intro .contact-prompt {
      padding: 20px 22px;
      border-radius: var(--radius-md);
      background: linear-gradient(135deg, var(--cream), var(--gold-100));
      border: 1px solid var(--gold-300);
    }
    .faq-intro .contact-prompt strong {
      display: block;
      color: var(--forest-900);
      font-family: var(--font-display);
      font-size: 17px;
      font-weight: 600;
      margin-bottom: 4px;
      letter-spacing: -0.01em;
    }
    .faq-intro .contact-prompt span {
      display: block;
      color: var(--ink-soft);
      font-size: 13px;
      margin-bottom: 14px;
    }
    .faq-intro .contact-prompt a {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      font-size: 13px;
      font-weight: 600;
      color: var(--forest-800);
      transition: color 0.2s, gap 0.2s;
    }
    .faq-intro .contact-prompt a:hover {
      color: var(--gold-600);
      gap: 12px;
    }
    .faq-intro .contact-prompt a svg {
      width: 14px; height: 14px;
    }

    .faq-list {
      display: flex;
      flex-direction: column;
      gap: 4px;
    }
    .faq-item {
      border-bottom: 1px solid var(--line);
      transition: border-color 0.3s;
    }
    .faq-item.open {
      border-bottom-color: var(--gold-300);
    }
    .faq-item:first-child {
      border-top: 1px solid var(--line);
    }
    .faq-q {
      width: 100%;
      text-align: left;
      padding: 22px 0;
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 20px;
      font-family: var(--font-display);
      font-size: clamp(15px, 1.4vw, 17px);
      font-weight: 500;
      color: var(--forest-900);
      letter-spacing: -0.01em;
      line-height: 1.3;
      cursor: pointer;
      transition: color 0.2s;
    }
    .faq-q:hover { color: var(--gold-600); }
    .faq-q .icon {
      flex-shrink: 0;
      width: 32px;
      height: 32px;
      border-radius: 50%;
      border: 1px solid var(--line);
      display: grid;
      place-items: center;
      transition: background 0.3s, border-color 0.3s, transform 0.4s var(--ease-out);
      color: var(--forest-800);
    }
    .faq-q .icon svg {
      width: 12px; height: 12px;
      stroke: currentColor;
    }
    .faq-item.open .faq-q .icon {
      background: var(--gold-500);
      border-color: var(--gold-500);
      color: var(--forest-900);
      transform: rotate(45deg);
    }
    .faq-a {
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.5s var(--ease-out), padding 0.4s;
    }
    .faq-a-inner {
      padding: 0 0 24px 0;
      color: var(--ink-soft);
      font-size: 15px;
      line-height: 1.65;
      max-width: 90%;
    }
    .faq-item.open .faq-a {
      max-height: 500px;
    }

    /* ============ FORM SECTION ============ */
    .form-section {
      padding: 120px 0;
      position: relative;
      overflow: hidden;
    }
    .form-section::before {
      content: '';
      position: absolute;
      inset: 0;
      background:
        radial-gradient(ellipse 700px 500px at 15% 25%, rgba(201, 154, 71, 0.18), transparent 60%),
        radial-gradient(ellipse 600px 600px at 85% 75%, rgba(63, 138, 129, 0.18), transparent 60%),
        linear-gradient(135deg, var(--forest-900), var(--forest-800));
      z-index: -1;
    }
    .form-section .container {
      display: grid;
      grid-template-columns: 1fr 1.1fr;
      gap: 60px;
      align-items: center;
      color: #fff;
    }
    @media (max-width: 920px) {
      .form-section .container { grid-template-columns: 1fr; gap: 40px; }
    }
    .form-intro h2 { color: #fff; margin-bottom: 20px; }
    .form-intro p {
      color: rgba(255,255,255,0.78);
      font-size: 16px;
      margin-bottom: 28px;
      line-height: 1.6;
    }
    .form-intro .eyebrow { color: var(--gold-400); }
    .form-intro ul { list-style: none; display: grid; gap: 14px; }
    .form-intro li {
      display: flex;
      align-items: flex-start;
      gap: 12px;
      font-size: 14px;
      color: rgba(255,255,255,0.88);
    }
    .form-intro li svg {
      width: 18px; height: 18px;
      color: var(--gold-400);
      flex-shrink: 0;
      margin-top: 2px;
    }

    .form-card {
      background: rgba(255, 255, 255, 0.08);
      backdrop-filter: blur(30px) saturate(180%);
      -webkit-backdrop-filter: blur(30px) saturate(180%);
      border: 1px solid rgba(255, 255, 255, 0.15);
      border-radius: var(--radius-xl);
      padding: 40px;
      box-shadow: 0 30px 80px rgba(0,0,0,0.35), inset 0 1px 0 rgba(255,255,255,0.15);
      position: relative;
    }
    @media (max-width: 540px) { .form-card { padding: 28px 22px; } }
    .form-card h3 { color: #fff; font-size: 24px; margin-bottom: 8px; }
    .form-card .form-sub {
      color: rgba(255,255,255,0.65);
      font-size: 13px;
      margin-bottom: 28px;
    }
    .form-row {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
      margin-bottom: 14px;
    }
    @media (max-width: 540px) { .form-row { grid-template-columns: 1fr; } }

    .field { position: relative; margin-bottom: 14px; }
    .field label {
      display: block;
      font-size: 12px;
      font-weight: 500;
      color: rgba(255,255,255,0.7);
      margin-bottom: 6px;
      letter-spacing: 0.02em;
    }
    .field label .optional {
      font-weight: 400;
      font-size: 11px;
      color: rgba(255,255,255,0.4);
      letter-spacing: 0.01em;
      font-style: italic;
      margin-left: 4px;
    }
    .field input {
      width: 100%;
      padding: 14px 16px;
      background: rgba(255,255,255,0.08);
      border: 1px solid rgba(255,255,255,0.15);
      border-radius: 12px;
      color: #fff;
      font-family: inherit;
      font-size: 14px;
      transition: border-color 0.3s, background 0.3s, box-shadow 0.3s;
    }
    .field input::placeholder { color: rgba(255,255,255,0.35); }
    .field input:focus {
      outline: none;
      border-color: var(--gold-400);
      background: rgba(255,255,255,0.12);
      box-shadow: 0 0 0 4px rgba(201, 154, 71, 0.18);
    }
    .field.error input {
      border-color: #E89B8C;
      background: rgba(232, 155, 140, 0.08);
    }
    .field-error {
      display: none;
      font-size: 12px;
      color: #F5BBAF;
      margin-top: 6px;
    }
    .field.error .field-error { display: block; }

    .checkbox {
      display: flex;
      align-items: flex-start;
      gap: 12px;
      margin: 20px 0 24px;
      cursor: pointer;
      font-size: 13px;
      color: rgba(255,255,255,0.75);
      line-height: 1.5;
    }
    .checkbox input { position: absolute; opacity: 0; }
    .checkbox .box {
      width: 20px; height: 20px;
      flex-shrink: 0;
      border: 1.5px solid rgba(255,255,255,0.3);
      border-radius: 5px;
      display: grid;
      place-items: center;
      transition: background 0.2s, border-color 0.2s;
      margin-top: 1px;
    }
    .checkbox .box svg {
      width: 12px; height: 12px;
      color: var(--forest-900);
      opacity: 0;
      transition: opacity 0.2s;
    }
    .checkbox input:checked + .box {
      background: var(--gold-400);
      border-color: var(--gold-400);
    }
    .checkbox input:checked + .box svg { opacity: 1; }
    .checkbox.error .box { border-color: #E89B8C; }

    .submit-btn {
      width: 100%;
      padding: 16px 24px;
      background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
      color: var(--forest-900);
      border-radius: 12px;
      font-size: 15px;
      font-weight: 600;
      letter-spacing: 0.01em;
      transition: transform 0.3s var(--ease-out), box-shadow 0.3s, background 0.3s;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      position: relative;
      overflow: hidden;
    }
    .submit-btn:hover {
      transform: translateY(-2px);
      box-shadow: 0 12px 30px rgba(201, 154, 71, 0.4);
      background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
    }
    .submit-btn:disabled { opacity: 0.6; cursor: not-allowed; }
    .submit-btn svg { width: 16px; height: 16px; }

    .form-note {
      text-align: center;
      margin-top: 22px;
      font-family: var(--font-display);
      font-size: 14px;
      font-weight: 500;
      letter-spacing: -0.005em;
      color: rgba(255,255,255,0.55);
      line-height: 1.4;
    }
    .form-note em {
      font-style: italic;
      font-weight: 400;
      color: rgba(255,255,255,0.5);
    }
    .form-note strong {
      color: var(--gold-400);
      font-weight: 500;
      font-style: italic;
    }

    .form-success { display: none; text-align: center; padding: 20px 10px; }
    .form-success.active { display: block; animation: success-in 0.6s var(--ease-out); }
    @keyframes success-in {
      from { opacity: 0; transform: scale(0.95); }
      to { opacity: 1; transform: scale(1); }
    }
    .success-icon {
      width: 72px; height: 72px;
      margin: 0 auto 24px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
      display: grid; place-items: center;
      animation: success-pop 0.6s var(--ease-out) 0.1s both;
    }
    @keyframes success-pop {
      0% { transform: scale(0); }
      60% { transform: scale(1.1); }
      100% { transform: scale(1); }
    }
    .success-icon svg {
      width: 36px; height: 36px;
      color: var(--forest-900);
      stroke-dasharray: 50;
      stroke-dashoffset: 50;
      animation: check-draw 0.5s var(--ease-out) 0.4s forwards;
    }
    @keyframes check-draw { to { stroke-dashoffset: 0; } }
    .form-success h3 { color: #fff; font-size: 26px; margin-bottom: 12px; }
    .form-success p {
      color: rgba(255,255,255,0.78);
      font-size: 15px;
      line-height: 1.5;
      margin-bottom: 20px;
    }
    .form-success .next-steps {
      background: rgba(255,255,255,0.06);
      border-radius: 12px;
      padding: 16px;
      text-align: left;
      font-size: 13px;
      color: rgba(255,255,255,0.75);
    }
    .form-success .next-steps strong {
      display: block;
      color: var(--gold-400);
      font-size: 11px;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      margin-bottom: 8px;
    }

    /* ============ WHATSAPP FLOAT ============ */
    .whatsapp-float {
      position: fixed;
      bottom: 24px; right: 24px;
      width: 60px; height: 60px;
      border-radius: 50%;
      background: #25D366;
      display: grid; place-items: center;
      box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
      z-index: 50;
      transition: transform 0.3s var(--ease-out);
      animation: wa-pulse 2.5s ease-out infinite;
    }
    .whatsapp-float:hover { transform: scale(1.1); }
    .whatsapp-float svg { width: 30px; height: 30px; color: #fff; }
    @keyframes wa-pulse {
      0% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 0 rgba(37, 211, 102, 0.5); }
      70% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 20px rgba(37, 211, 102, 0); }
      100% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 0 rgba(37, 211, 102, 0); }
    }

    /* ============ FOOTER ============ */
    footer {
      background: var(--forest-900);
      color: rgba(255,255,255,0.7);
      padding: 60px 0 30px;
    }
    .footer-grid {
      display: grid;
      grid-template-columns: 1.5fr 1fr 1fr;
      gap: 50px;
      margin-bottom: 40px;
    }
    @media (max-width: 720px) {
      .footer-grid { grid-template-columns: 1fr; gap: 30px; }
    }
    .footer-logo { display: inline-block; margin-bottom: 16px; }
    .footer-logo img {
      height: 80px;
      width: auto;
    }
    .footer-about {
      font-size: 13px;
      line-height: 1.6;
      color: rgba(255,255,255,0.55);
      margin-bottom: 16px;
      max-width: 380px;
    }
    .footer-tagline {
      font-family: var(--font-display);
      font-size: 18px;
      font-weight: 500;
      letter-spacing: -0.01em;
      color: #fff;
      margin: 4px 0 14px;
      line-height: 1.3;
    }
    .footer-tagline em {
      font-style: italic;
      font-weight: 400;
      color: var(--gold-400);
    }
    .footer h4 {
      color: #fff;
      font-family: var(--font-body);
      font-size: 12px;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      margin-bottom: 18px;
    }
    .footer ul { list-style: none; display: grid; gap: 10px; }
    .footer a {
      font-size: 14px;
      color: rgba(255,255,255,0.6);
      transition: color 0.2s;
    }
    .footer a:hover { color: var(--gold-400); }
    .footer-bottom {
      padding-top: 30px;
      border-top: 1px solid rgba(255,255,255,0.08);
      display: flex;
      justify-content: space-between;
      align-items: center;
      flex-wrap: wrap;
      gap: 16px;
      font-size: 12px;
      color: rgba(255,255,255,0.4);
    }
    .footer-bottom a { font-size: 12px; }
    .compliance-note {
      font-size: 11px;
      color: rgba(255,255,255,0.45);
      line-height: 1.6;
      margin-top: 16px;
      max-width: 380px;
    }

    /* ============ REVEAL ============ */
    .reveal {
      opacity: 0;
      transform: translateY(30px);
      transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
    }
    .reveal.in-view { opacity: 1; transform: translateY(0); }
    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
      }
    }
  
    .nav a.active { color: var(--forest-800); }
    .nav a.active::after { width: 100%; }