/* ===== Reset & Base ===== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: #1a2332;
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
a { color: #0a2540; text-decoration: none; }
h1, h2, h3, h4 { font-family: Georgia, "Times New Roman", serif; line-height: 1.2; margin: 0 0 .5em; color: #0a2540; letter-spacing: -.01em; }
h1 { font-size: clamp(1.9rem, 3.8vw, 2.85rem); font-weight: 700; line-height: 1.15; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1em; }

/* ===== Layout ===== */
.container { max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: #ffffff;
  border-bottom: 1px solid #e6ebf1;
  box-shadow: 0 1px 3px rgba(10,37,64,0.04);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px;
}
.logo { display: inline-flex; align-items: center; gap: 10px; font-size: 1.1rem; color: #0a2540; font-family: Georgia, serif; }
.logo strong { color: #0c86ac; font-weight: 700; }
.header-call {
  display: inline-flex; align-items: center; gap: 8px;
  background: #0a2540; color: #fff;
  padding: 10px 18px; border-radius: 999px;
  font-weight: 700; font-size: .95rem;
  transition: transform .15s ease, background .15s ease;
}
.header-call:hover { background: #0e3159; transform: translateY(-1px); }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: 999px;
  font-weight: 700; font-size: 1rem;
  text-align: center; cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  border: 2px solid transparent;
}
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn-xl { padding: 20px 38px; font-size: 1.2rem; }
.btn-primary { background: #0a2540; color: #fff; box-shadow: 0 6px 18px rgba(10,37,64,.25); }
.btn-primary:hover { background: #0e3159; box-shadow: 0 10px 26px rgba(10,37,64,.32); transform: translateY(-2px); }
.btn-gold { background: #0c86ac; color: #fff; box-shadow: 0 6px 18px rgba(12,134,172,.4); }
.btn-gold:hover { background: #09658a; color: #fff; transform: translateY(-2px); }
.btn-ghost { background: transparent; color: #0a2540; border-color: #0a2540; }
.btn-ghost:hover { background: #0a2540; color: #fff; }
.btn-link { background: transparent; color: #566577; font-weight: 600; padding: 8px 12px; }
.btn-link:hover { color: #0a2540; }

@keyframes pulse-ring {
  0% { box-shadow: 0 0 0 0 rgba(12,134,172,.55); }
  70% { box-shadow: 0 0 0 18px rgba(12,134,172,0); }
  100% { box-shadow: 0 0 0 0 rgba(12,134,172,0); }
}
.pulse { animation: pulse-ring 1.8s infinite; }

/* ===== Hero ===== */
.hero {
  background: linear-gradient(135deg, #f7f9fc 0%, #ecf2fa 100%);
  padding: 20px 0 80px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 85% 20%, rgba(12,134,172,.12) 0%, transparent 40%);
  pointer-events: none;
}
.hero-grid {
  display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: center;
  position: relative;
}
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(12,134,172,.15); color: #074d6a;
  padding: 7px 16px; border-radius: 999px;
  font-size: .82rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  margin-bottom: 20px;
}
.badge-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: #0c86ac;
  box-shadow: 0 0 0 0 rgba(12,134,172,.6);
  animation: dotPulse 1.6s infinite;
}
@keyframes dotPulse {
  0% { box-shadow: 0 0 0 0 rgba(12,134,172,.7); }
  70% { box-shadow: 0 0 0 8px rgba(12,134,172,0); }
  100% { box-shadow: 0 0 0 0 rgba(12,134,172,0); }
}
.hero-sub {
  font-size: 1.1rem; color: #2a3a52;
  max-width: 560px; margin: 0 0 14px;
  font-weight: 500;
}
.hero-sub strong { color: #0a2540; }
.accent { color: #0c86ac; }
.lede { font-size: 1.02rem; color: #4a5a72; max-width: 560px; }
.lede strong { color: #0a2540; }
.hero-bullets { list-style: none; padding: 0; margin: 24px 0 32px; display: grid; gap: 10px; }
.hero-bullets li { display: flex; align-items: flex-start; gap: 12px; font-size: 1.02rem; color: #2a3a52; }
.hero-bullets .bullet-text { flex: 1; line-height: 1.45; }
.check {
  display: inline-flex; align-items: center; justify-content: center;
  width: 26px; height: 26px; border-radius: 50%;
  background: #0a2540; color: #0c86ac; font-weight: 700; font-size: .85rem;
  flex-shrink: 0;
}
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 32px; }
.eligibility-box { display: none; }
.eligibility-box--visible {
  background: #fff;
  border: 1px solid #e6ebf1;
  border-left: 4px solid #0c86ac;
  border-radius: 10px;
  padding: 14px 18px;
  margin: 8px 0 24px;
  max-width: 480px;
  box-shadow: 0 4px 14px rgba(10,37,64,.05);
}
.eligibility-box > strong {
  display: block; color: #0a2540;
  font-size: .92rem; margin-bottom: 8px;
}
.eligibility-box ul {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 4px;
}
.eligibility-box li {
  font-size: .92rem; color: #3d4f66;
  display: flex; align-items: center; gap: 8px;
}
.check-sm {
  display: inline-flex; align-items: center; justify-content: center;
  width: 18px; height: 18px; border-radius: 50%;
  background: #10b981; color: #fff; font-weight: 700; font-size: .7rem;
  flex-shrink: 0;
}
.trust-row--desktop,
.trust-row--mobile { display: none; }

.corner-badge {
  position: absolute;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(6px);
  border-radius: 12px;
  padding: 10px 14px;
  display: flex; flex-direction: column; align-items: flex-start;
  box-shadow: 0 10px 28px rgba(10,37,64,.18);
  border: 1px solid rgba(255,255,255,.6);
  min-width: 92px;
  z-index: 2;
}
.corner-badge strong {
  font-family: Georgia, serif;
  font-size: 1.3rem; color: #0a2540; line-height: 1;
}
.corner-badge span {
  font-size: .72rem; color: #6b7a8f;
  margin-top: 4px; font-weight: 600; letter-spacing: .02em;
}
.corner-tl { top: 18px; left: -14px; }
.corner-tr { top: 18px; right: -14px; }
.corner-br { bottom: 22px; right: -14px; }
.trust-row div { display: flex; flex-direction: column; }
.trust-row strong { font-size: 1.6rem; color: #0a2540; font-family: Georgia, serif; }
.trust-row span { font-size: .85rem; color: #6b7a8f; }

.hero-image { position: relative; }
.hero-image img {
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(10,37,64,.2);
  aspect-ratio: 6/7; object-fit: cover;
}
.floating-card {
  position: absolute; bottom: 30px; left: -24px;
  background: #fff; border-radius: 14px;
  padding: 14px 18px; display: flex; gap: 12px; align-items: center;
  box-shadow: 0 14px 40px rgba(10,37,64,.18);
  max-width: 260px;
}
.floating-card .fc-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, #0c86ac, #36a3c9);
  display: flex; align-items: center; justify-content: center; font-size: 1.4rem;
  flex-shrink: 0;
}
.floating-card strong { display: block; color: #0a2540; font-size: .95rem; }
.floating-card span { font-size: .82rem; color: #6b7a8f; }

/* ===== Sections ===== */
section { padding: 80px 0; }
.section-title { text-align: center; margin-bottom: 12px; }
.section-sub { text-align: center; max-width: 720px; margin: 0 auto 48px; color: #4a5a72; font-size: 1.08rem; }

/* ===== Benefits cards ===== */
.benefits { background: #fff; }
.card {
  background: #fff; border: 1px solid #e6ebf1;
  border-radius: 14px; padding: 28px;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 34px rgba(10,37,64,.08);
  border-color: #0c86ac;
}
.card-icon {
  width: 54px; height: 54px; border-radius: 14px;
  background: linear-gradient(135deg, #0a2540, #1a3d6b);
  color: #0c86ac; font-size: 1.6rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { color: #4a5a72; margin: 0; font-size: .98rem; }

/* ===== Why Now ===== */
.why-now { background: #f7f9fc; }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-img img { border-radius: 16px; aspect-ratio: 6/5; object-fit: cover; box-shadow: 0 14px 40px rgba(10,37,64,.12); }
.why-list { list-style: none; padding: 0; margin: 20px 0 28px; display: grid; gap: 16px; }
.why-list li {
  padding-left: 34px; position: relative;
}
.why-list li::before {
  content: "★"; position: absolute; left: 0; top: 2px;
  color: #0c86ac; font-size: 1.3rem;
}
.why-list strong { display: block; color: #0a2540; margin-bottom: 2px; }
.why-list span { color: #4a5a72; font-size: .98rem; }

/* ===== WhatsApp-style Chatbot ===== */
.chat-launcher {
  position: fixed;
  right: 20px; bottom: 20px;
  z-index: 90;
  display: inline-flex; align-items: center; gap: 10px;
  background: #25d366;
  color: #fff;
  padding: 14px 20px 14px 16px;
  border-radius: 999px;
  font-weight: 700; font-size: .95rem;
  box-shadow: 0 12px 30px rgba(37,211,102,.45), 0 4px 10px rgba(0,0,0,.15);
  cursor: pointer;
  transition: transform .2s ease, box-shadow .2s ease;
}
.chat-launcher:hover { transform: translateY(-2px); box-shadow: 0 16px 36px rgba(37,211,102,.5); }
.chat-launcher.is-hidden { transform: scale(.6) translateY(30px); opacity: 0; pointer-events: none; }
.chat-launcher-label { white-space: nowrap; }
.chat-launcher-dot {
  position: absolute; top: 6px; right: 8px;
  width: 12px; height: 12px; border-radius: 50%;
  background: #ef4444;
  border: 2px solid #fff;
  animation: dotPulse 1.6s infinite;
}

.chat-widget {
  position: fixed;
  right: 20px; bottom: 20px;
  z-index: 95;
  width: 380px; max-width: calc(100vw - 24px);
  height: 600px; max-height: calc(100vh - 40px);
  background: #efeae2;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(0,0,0,.3), 0 8px 20px rgba(0,0,0,.15);
  display: flex; flex-direction: column;
  overflow: hidden;
  animation: chatIn .3s cubic-bezier(.2,.9,.3,1.2);
}
.chat-widget[hidden] { display: none; }
@keyframes chatIn { from { opacity: 0; transform: translateY(20px) scale(.96); } to { opacity: 1; transform: none; } }

.chat-header {
  background: #075e54;
  color: #fff;
  padding: 12px 14px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 10px;
}
.chat-header-info { display: flex; align-items: center; gap: 12px; }
.chat-avatar {
  position: relative;
  width: 40px; height: 40px; border-radius: 50%;
  background: #128c7e;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.chat-avatar-online {
  position: absolute; bottom: 0; right: 0;
  width: 12px; height: 12px; border-radius: 50%;
  background: #25d366; border: 2px solid #075e54;
}
.chat-title { font-weight: 700; font-size: .98rem; line-height: 1.1; }
.chat-status { font-size: .78rem; opacity: .85; margin-top: 2px; display: flex; align-items: center; gap: 5px; }
.chat-status-dot { width: 6px; height: 6px; border-radius: 50%; background: #25d366; }
.chat-close {
  color: #fff; padding: 6px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: background .15s ease;
}
.chat-close:hover { background: rgba(255,255,255,.15); }

.chat-body {
  flex: 1;
  overflow-y: auto;
  padding: 16px 12px 10px;
  background-color: #efeae2;
  background-image:
    radial-gradient(rgba(0,0,0,.04) 1px, transparent 1px),
    radial-gradient(rgba(0,0,0,.03) 1px, transparent 1px);
  background-size: 30px 30px, 20px 20px;
  background-position: 0 0, 15px 15px;
}
.chat-date {
  text-align: center; font-size: .72rem;
  color: #52616b;
  background: rgba(225,245,254,.92);
  padding: 4px 12px; border-radius: 8px;
  width: max-content; margin: 0 auto 14px;
  box-shadow: 0 1px 1px rgba(0,0,0,.05);
}

.msg { display: flex; margin-bottom: 8px; }
.msg .bubble {
  max-width: 78%;
  padding: 7px 10px 18px;
  border-radius: 10px;
  font-size: .92rem;
  line-height: 1.4;
  color: #111b21;
  position: relative;
  box-shadow: 0 1px 1px rgba(0,0,0,.08);
  word-wrap: break-word;
}
.msg-bot { justify-content: flex-start; padding-left: 4px; }
.msg-bot .bubble {
  background: #fff;
  border-top-left-radius: 2px;
}
.msg-bot .bubble::before {
  content: ""; position: absolute;
  left: -6px; top: 0;
  width: 8px; height: 13px;
  background: #fff;
  clip-path: polygon(0 0, 100% 0, 100% 100%);
}
.msg-user { justify-content: flex-end; padding-right: 4px; }
.msg-user .bubble {
  background: #d9fdd3;
  border-top-right-radius: 2px;
}
.msg-user .bubble::before {
  content: ""; position: absolute;
  right: -6px; top: 0;
  width: 8px; height: 13px;
  background: #d9fdd3;
  clip-path: polygon(0 0, 100% 0, 0 100%);
}
.bubble .time {
  position: absolute; right: 8px; bottom: 3px;
  font-size: .65rem; color: #667781;
  display: inline-flex; align-items: center; gap: 3px;
}
.bubble .ticks { color: #53bdeb; font-size: .75rem; letter-spacing: -1px; }

.msg-typing .bubble {
  padding: 12px 14px;
  display: flex; align-items: center; gap: 4px;
}
.msg-typing .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: #8696a0;
  animation: chatDot 1.2s infinite ease-in-out;
}
.msg-typing .dot:nth-child(2) { animation-delay: .15s; }
.msg-typing .dot:nth-child(3) { animation-delay: .3s; }
@keyframes chatDot {
  0%, 60%, 100% { transform: translateY(0); opacity: .4; }
  30% { transform: translateY(-4px); opacity: 1; }
}

.bubble-cta { padding: 12px !important; background: #fff !important; }
.bubble-cta::before { display: none !important; }
.cta-title { font-size: .85rem; color: #52616b; margin-bottom: 8px; font-weight: 600; }
.chat-call-btn {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  background: #25d366; color: #fff;
  padding: 12px 16px; border-radius: 10px;
  font-weight: 700; font-size: 1rem;
  text-decoration: none;
  box-shadow: 0 4px 12px rgba(37,211,102,.4);
  transition: transform .15s ease, box-shadow .15s ease;
}
.chat-call-btn:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgba(37,211,102,.5); color: #fff; }
.cta-note { font-size: .72rem; color: #8696a0; margin-top: 8px; text-align: center; }

.chat-options {
  background: #f0f2f5;
  padding: 10px 12px;
  display: flex; flex-direction: column; gap: 6px;
  max-height: 240px; overflow-y: auto;
}
.chat-options:empty { display: none; }
.chat-option {
  background: #fff; border: 1px solid #e5e7eb;
  padding: 10px 14px; border-radius: 999px;
  font-size: .92rem; font-weight: 600; color: #111b21;
  text-align: left;
  transition: all .15s ease;
}
.chat-option:hover {
  background: #075e54; color: #fff; border-color: #075e54;
  transform: translateX(4px);
}

.chat-footer {
  padding: 6px 12px;
  background: #f0f2f5;
  text-align: center;
  font-size: .7rem; color: #8696a0;
  border-top: 1px solid rgba(0,0,0,.06);
}

@media (max-width: 480px) {
  .chat-widget {
    right: 0; bottom: 0;
    width: 100%; max-width: 100%;
    height: 100%; max-height: 100%;
    border-radius: 0;
  }
  .chat-launcher { padding: 12px 16px 12px 14px; font-size: .9rem; }
  .chat-launcher-label { display: none; }
}

/* ===== Quiz (in hero) ===== */
.hero-quiz {
  grid-column: 1 / -1;
  max-width: 760px;
  width: 100%;
  margin: 0 auto;
  animation: fadeIn .3s ease;
}
.quiz-card {
  background: #fff; color: #1a2332;
  border-radius: 20px; padding: 40px 44px;
  box-shadow: 0 20px 60px rgba(10,37,64,.18);
  border: 1px solid #e6ebf1;
}
.quiz-head {
  display: flex; justify-content: space-between; align-items: flex-start;
  gap: 16px; margin-bottom: 20px;
}
.quiz-eyebrow {
  display: inline-block;
  background: rgba(12,134,172,.15); color: #074d6a;
  padding: 4px 12px; border-radius: 999px;
  font-size: .75rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  margin-bottom: 8px;
}
.quiz-heading { font-size: 1.35rem; margin: 0; color: #0a2540; }
.quiz-close {
  font-size: 1.6rem; color: #6b7a8f; line-height: 1;
  padding: 2px 10px; border-radius: 8px; flex-shrink: 0;
  transition: background .15s ease, color .15s ease;
}
.quiz-close:hover { background: #f7f9fc; color: #0a2540; }
.progress-wrap {
  background: #ecf2fa; height: 8px; border-radius: 999px; overflow: hidden;
}
.progress-bar {
  background: linear-gradient(90deg, #0c86ac, #36a3c9);
  height: 100%; width: 25%;
  transition: width .35s ease;
  border-radius: 999px;
}
.progress-label { text-align: right; font-size: .85rem; color: #6b7a8f; margin: 8px 0 24px; }

.quiz-step { display: none; animation: fadeIn .35s ease; }
.quiz-step.active { display: block; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.quiz-step h3 { font-size: 1.2rem; text-align: left; margin-bottom: 20px; color: #0a2540; }

.options { display: grid; gap: 12px; }
.option {
  width: 100%; text-align: left;
  background: #f7f9fc; border: 2px solid #e6ebf1;
  padding: 14px 18px; border-radius: 12px;
  font-size: 1rem; font-weight: 600; color: #1a2332;
  transition: all .15s ease;
  display: flex; align-items: center; gap: 12px;
}
.option::before {
  content: ""; display: inline-block;
  width: 20px; height: 20px; border-radius: 50%;
  border: 2px solid #c3cfe0; flex-shrink: 0;
  transition: all .15s ease;
}
.option:hover {
  border-color: #0c86ac; background: #fff;
  box-shadow: 0 6px 18px rgba(12,134,172,.2);
  transform: translateX(4px);
}
.option:hover::before { border-color: #0c86ac; }

.quiz-nav {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 28px; min-height: 40px;
}
.quiz-step[data-step="result"] + .quiz-nav,
.quiz-step.active[data-step="result"] ~ .quiz-nav { justify-content: center; }

.result {
  text-align: center;
  padding: 8px 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.result[hidden] { display: none; }
.result h3 { text-align: center; }
.result .btn { align-self: center; }
.result-icon {
  width: 84px; height: 84px; border-radius: 50%;
  margin: 0 auto 24px;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.6rem; font-weight: 700;
}
.result-icon.success {
  background: linear-gradient(135deg, #10b981, #059669);
  color: #fff; box-shadow: 0 10px 30px rgba(16,185,129,.35);
}
.result-icon.notice {
  background: linear-gradient(135deg, #f59e0b, #d97706);
  color: #fff;
}
.result h3 { font-size: 1.9rem; margin-bottom: 12px; }
.result p { color: #4a5a72; max-width: 440px; margin: 0 auto 20px; }
.result-highlight {
  background: #e6f4fb; border: 1px dashed #0c86ac;
  color: #074d6a; padding: 12px 20px; border-radius: 10px;
  font-weight: 600; margin-bottom: 24px;
  display: inline-block;
}
.fine-print { font-size: .82rem; color: #8a94a6; margin-top: 18px; }

/* ===== Testimonials ===== */
.testimonials { background: #fff; }
.testimonial {
  background: #f7f9fc; border-radius: 14px; padding: 28px;
  border-left: 4px solid #0c86ac;
}
.stars { color: #0c86ac; font-size: 1.1rem; letter-spacing: 2px; margin-bottom: 12px; }
.testimonial p { font-style: italic; color: #2a3a52; }
.who { display: flex; flex-direction: column; margin-top: 12px; }
.who strong { color: #0a2540; }
.who span { font-size: .85rem; color: #6b7a8f; }

/* ===== FAQ ===== */
.faq { background: #f7f9fc; }
.faq-list { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.faq details {
  background: #fff; border: 1px solid #e6ebf1; border-radius: 12px;
  padding: 18px 22px; transition: box-shadow .2s ease;
}
.faq details[open] { box-shadow: 0 6px 18px rgba(10,37,64,.06); border-color: #0c86ac; }
.faq summary {
  font-weight: 700; color: #0a2540; cursor: pointer;
  list-style: none; position: relative; padding-right: 32px;
  font-size: 1.05rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: -4px;
  font-size: 1.6rem; color: #0c86ac; transition: transform .2s ease;
}
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: 14px 0 0; color: #4a5a72; }

/* ===== Bottom CTA ===== */
.bottom-cta {
  background: linear-gradient(135deg, #0a2540 0%, #1a3d6b 100%);
  color: #fff; text-align: center;
  position: relative; overflow: hidden;
}
.bottom-cta::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 20% 30%, rgba(12,134,172,.15) 0%, transparent 50%);
  pointer-events: none;
}
.bottom-cta h2 { color: #fff; }
.bottom-cta p { color: #b8c6db; font-size: 1.15rem; margin-bottom: 28px; }
.bottom-cta-inner { position: relative; }
.bottom-cta .sub { display: block; margin-top: 14px; color: #b8c6db; font-size: .9rem; }

/* ===== Footer ===== */
.site-footer { background: #061a30; color: #c3cfe0; padding: 50px 0 30px; }
.site-footer .logo { display: flex; width: fit-content; color: #fff; margin-bottom: 14px; }
.site-footer .logo strong { color: #0c86ac; }
.footer-inner { display: grid; gap: 28px; }
.disclaimer { font-size: .85rem; color: #8a94a6; max-width: 720px; line-height: 1.6; }
.footer-nav {
  display: flex; flex-wrap: wrap; gap: 6px 20px;
  padding: 20px 0;
  border-top: 1px solid #1a3d6b;
  border-bottom: 1px solid #1a3d6b;
}
.legal-link {
  color: #c3cfe0; font-size: .9rem; padding: 6px 0;
  transition: color .15s ease;
}
.legal-link:hover { color: #0c86ac; text-decoration: underline; }
.copyright { font-size: .85rem; color: #8a94a6; }

/* ===== Modal ===== */
.modal { position: fixed; inset: 0; z-index: 100; display: flex; align-items: center; justify-content: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal-backdrop {
  position: absolute; inset: 0;
  background: rgba(6,26,48,.75); backdrop-filter: blur(4px);
  animation: fadeIn .2s ease;
}
.modal-panel {
  position: relative;
  background: #fff; color: #1a2332;
  max-width: 720px; width: 100%; max-height: 85vh;
  border-radius: 16px; overflow: hidden;
  display: flex; flex-direction: column;
  box-shadow: 0 30px 80px rgba(0,0,0,.4);
  animation: modalIn .25s ease;
}
@keyframes modalIn { from { opacity: 0; transform: translateY(20px) scale(.98); } to { opacity: 1; transform: none; } }
.modal-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 26px; border-bottom: 1px solid #e6ebf1;
}
.modal-head h3 { margin: 0; font-size: 1.4rem; }
.modal-close {
  font-size: 1.8rem; color: #6b7a8f; line-height: 1;
  padding: 4px 10px; border-radius: 8px;
  transition: background .15s ease, color .15s ease;
}
.modal-close:hover { background: #f7f9fc; color: #0a2540; }
.modal-body { padding: 26px; overflow-y: auto; flex: 1; line-height: 1.7; }
.modal-body h4 { margin: 18px 0 8px; color: #0a2540; font-family: inherit; font-size: 1.05rem; }
.modal-body p, .modal-body li { color: #3d4f66; font-size: .95rem; }
.modal-body ul { padding-left: 22px; margin: 0 0 14px; }

/* ===== Sticky mobile call ===== */
.sticky-call {
  display: none;
  position: fixed; bottom: 16px; left: 16px; right: 16px; z-index: 40;
  background: #0c86ac; color: #0a2540;
  padding: 14px; border-radius: 14px;
  font-weight: 700; font-size: 1.05rem;
  align-items: center; justify-content: center; gap: 10px;
  box-shadow: 0 10px 26px rgba(0,0,0,.3);
  animation: pulse-ring 1.8s infinite;
}

/* ===== Hero / Why CTA sublines ===== */
.cta-subline { font-size: .9rem; color: #4a5a72; margin-bottom: 28px; }
.why-cta { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* ===== Inline call bars (between sections) ===== */
.call-bar { background: #eef4f8; padding: 40px 0; }
.call-bar--alt { background: linear-gradient(135deg, #0a2540 0%, #1a3d6b 100%); }
.call-bar-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; flex-wrap: wrap;
}
.call-bar-text { display: flex; flex-direction: column; gap: 4px; }
.call-bar-text strong { font-size: 1.35rem; color: #0a2540; line-height: 1.2; }
.call-bar-text span { font-size: .95rem; color: #4a5a72; }
.call-bar--alt .call-bar-text strong { color: #fff; }
.call-bar--alt .call-bar-text span { color: #b8c6db; }

/* ===== Footer click-to-call ===== */
.footer-call {
  display: inline-flex; align-items: center; gap: 8px;
  margin-bottom: 16px;
  color: #fff; font-weight: 800; font-size: 1.3rem;
  letter-spacing: .3px;
}
.footer-call svg { color: #0c86ac; }
.footer-call:hover { color: #0c86ac; }

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .hero { padding: 40px 0 60px; }
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-image { max-width: 420px; margin: 0 auto; }
  .floating-card { left: 10px; }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-img { max-width: 480px; margin: 0 auto; }
  section { padding: 60px 0; }
  .quiz-card { padding: 28px 22px; }
  .hero-quiz { max-width: 100%; }
  .header-call span { display: none; }
  .header-call { padding: 10px 14px; }
  .sticky-call { display: flex; }
  .site-footer { padding-bottom: 90px; }
}
@media (max-width: 600px) {
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.55rem; }
  .btn-xl { padding: 16px 24px; font-size: 1.05rem; }
  .hero { padding: 24px 0 40px; }
  .hero-grid { gap: 24px; }
  .hero-copy { display: flex; flex-direction: column; }
  .hero-copy .badge { order: 1; }
  .hero-copy h1 { order: 2; }
  .hero-copy .hero-sub { order: 3; font-size: 1rem; margin-bottom: 16px; }
  .hero-copy .hero-bullets { order: 4; margin: 8px 0 20px; gap: 8px; }
  .hero-copy .hero-bullets li { font-size: .95rem; }
  .hero-copy .hero-cta { order: 5; margin-bottom: 12px; flex-direction: column; }
  .hero-copy .hero-cta .btn { width: 100%; }
  .hero-copy .cta-subline { order: 6; text-align: center; margin-bottom: 24px; }
  .hero-copy .lede { order: 7; }
  .hero-copy .eligibility-box { order: 8; max-width: 100%; }
  .call-bar-inner { flex-direction: column; text-align: center; }
  .call-bar-text { align-items: center; }
  .call-bar .btn { width: 100%; justify-content: center; }
  .why-cta { flex-direction: column; align-items: stretch; }
  .why-cta .btn { width: 100%; justify-content: center; }
  .corner-badge { padding: 8px 12px; min-width: 78px; }
  .corner-badge strong { font-size: 1.05rem; }
  .corner-badge span { font-size: .65rem; }
  .corner-tl { top: 10px; left: 10px; }
  .corner-tr { top: 10px; right: 10px; }
  .corner-br { bottom: 12px; right: 10px; }
  .badge { font-size: .72rem; padding: 5px 12px; margin-bottom: 14px; }
  .sticky-call { display: flex; }
  .site-footer { padding-bottom: 90px; }
  .footer-nav { gap: 4px 16px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  html { scroll-behavior: auto; }
}

/* ===== Queue Timer (chat variant) ===== */
.queue-timer {
  margin-top: 8px;
  padding: 6px 10px;
  background: #fff7ed;
  border: 1px solid #f59e0b;
  border-radius: 8px;
  display: flex;
  align-items: baseline;
  gap: 6px;
  flex-wrap: wrap;
  justify-content: center;
  font-size: .82rem;
}
.queue-timer-label {
  color: #7c4a03;
  font-weight: 600;
}
.queue-timer-clock {
  font-size: .95rem;
  font-weight: 800;
  color: #b45309;
  font-variant-numeric: tabular-nums;
  letter-spacing: .5px;
}
.queue-timer.expired .queue-timer-clock { color: #9ca3af; }
.queue-timer-expired {
  width: 100%;
  margin-top: 4px;
  font-size: .8rem;
  color: #b45309;
  font-weight: 600;
  text-align: center;
}