:root {
    --red: #D5172A;
    --red-dark: #b01020;
    --red-light: #f5e6e8;
    --gray-light: #939598;
    --gray-mid: #6D6E71;
    --navy: #1A2736;
    --green: #1A5632;
    --blue: #1A428A;
    --white: #ffffff;
    --off-white: #f8f8f8;
    --border: #e5e5e5;
  }

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

  body {
    font-family: 'Open Sans', sans-serif;
    background: var(--off-white);
    color: var(--navy);
    overflow-x: hidden;
  }

  /* ── HEADER ── */
  header {
    background: var(--navy);
    padding: 0 2.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,0.25);
  }

  .logo-area {
    display: flex;
    align-items: center;
    gap: 14px;
  }

  .logo-icon {
    width: 44px;
    height: 44px;
  }

  .logo-text {
    font-family: 'Open Sans', sans-serif;
    font-weight: 700;
    font-size: 0.7rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.1;
    letter-spacing: 0.1em;
    text-transform: uppercase;
  }

  nav {
    display: flex;
    gap: 0.25rem;
  }

  nav a {
    color: rgba(255,255,255,0.75);
    text-decoration: none;
    font-size: 0.78rem;
    font-weight: 600;
    padding: 6px 12px;
    border-radius: 4px;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    transition: all 0.2s;
  }

  nav a:hover {
    color: white;
    background: rgba(255,255,255,0.1);
  }

  /* ── HERO ── */
  .hero {
    background: var(--red);
    padding: 4rem 2.5rem 3.5rem;
    position: relative;
    overflow: hidden;
  }

  .hero::before {
    content: '';
    position: absolute;
    top: -40px;
    right: -80px;
    width: 400px;
    height: 400px;
    background: rgba(255,255,255,0.04);
    transform: rotate(25deg);
    border-radius: 8px;
  }

  .hero::after {
    content: '';
    position: absolute;
    bottom: -60px;
    left: 30%;
    width: 300px;
    height: 300px;
    background: rgba(255,255,255,0.03);
    transform: rotate(-15deg);
    border-radius: 8px;
  }

  .hero-inner {
    max-width: 900px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
  }

  .hero-tag {
    display: inline-block;
    background: rgba(255,255,255,0.15);
    color: white;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    padding: 5px 12px;
    border-radius: 20px;
    margin-bottom: 1.25rem;
    border: 1px solid rgba(255,255,255,0.2);
  }

  .hero h1 {
    font-family: 'Barlow Condensed', sans-serif;
    font-weight: 900;
    font-size: clamp(2.4rem, 5vw, 3.6rem);
    color: white;
    line-height: 1.0;
    letter-spacing: 0.01em;
    margin-bottom: 1rem;
    text-transform: uppercase;
  }

  .hero p {
    color: rgba(255,255,255,0.88);
    font-size: 1.05rem;
    line-height: 1.65;
    max-width: 600px;
    margin-bottom: 2rem;
  }

  .hero-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
  }

  .chip {
    background: rgba(255,255,255,0.15);
    border: 1px solid rgba(255,255,255,0.25);
    color: white;
    padding: 7px 16px;
    border-radius: 24px;
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    text-decoration: none;
  }

  .chip:hover {
    background: rgba(255,255,255,0.28);
    transform: translateY(-1px);
  }

  /* ── SECTIONS ── */
  .section {
    max-width: 960px;
    margin: 0 auto;
    padding: 3rem 2rem;
  }

  .section-header {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 2rem;
  }

  .section-bar {
    width: 5px;
    height: 36px;
    background: var(--red);
    border-radius: 3px;
    flex-shrink: 0;
  }

  .section-header h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-weight: 800;
    font-size: 1.9rem;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    color: var(--navy);
  }

  /* ── STEP CARDS ── */
  .steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 1.25rem;
  }

  .step-card {
    background: white;
    border-radius: 10px;
    border: 1px solid var(--border);
    overflow: hidden;
    cursor: pointer;
    transition: all 0.22s ease;
    box-shadow: 0 2px 6px rgba(0,0,0,0.05);
  }

  .step-card:hover {
    box-shadow: 0 8px 24px rgba(213,23,42,0.12);
    transform: translateY(-2px);
    border-color: var(--red);
  }

  .step-card-header {
    background: var(--navy);
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
  }

  .step-num {
    background: var(--red);
    color: white;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    font-weight: 800;
    flex-shrink: 0;
  }

  .step-card-header h3 {
    color: white;
    font-size: 0.9rem;
    font-weight: 700;
    line-height: 1.3;
  }

  .step-card-body {
    padding: 1rem 1.25rem;
  }

  .step-card-body p {
    font-size: 0.85rem;
    color: var(--gray-mid);
    line-height: 1.55;
    margin-bottom: 0.85rem;
  }

  .step-expand-btn {
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--red);
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    gap: 5px;
    transition: gap 0.2s;
  }

  .step-expand-btn:hover { gap: 9px; }

  /* ── STEP DETAIL MODAL ── */
  .modal-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(26,39,54,0.6);
    z-index: 200;
    backdrop-filter: blur(3px);
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
  }

  .modal-overlay.open {
    display: flex;
  }

  .modal {
    background: white;
    border-radius: 12px;
    max-width: 680px;
    width: 100%;
    max-height: 85vh;
    overflow-y: auto;
    box-shadow: 0 24px 60px rgba(0,0,0,0.3);
    animation: slideUp 0.25s ease;
  }

  @keyframes slideUp {
    from { transform: translateY(20px); opacity: 0; }
    to { transform: translateY(0); opacity: 1; }
  }

  .modal-top {
    background: var(--red);
    padding: 1.5rem 1.75rem;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    position: sticky;
    top: 0;
  }

  .modal-top h3 {
    color: white;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    line-height: 1.2;
  }

  .modal-close {
    background: rgba(255,255,255,0.2);
    border: none;
    color: white;
    font-size: 1.2rem;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-left: 1rem;
    transition: background 0.2s;
  }

  .modal-close:hover { background: rgba(255,255,255,0.35); }

  .modal-body {
    padding: 1.75rem;
  }

  .modal-section {
    margin-bottom: 1.5rem;
  }

  .modal-section h4 {
    font-size: 0.78rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--red);
    margin-bottom: 0.6rem;
  }

  .modal-section p, .modal-section li {
    font-size: 0.9rem;
    line-height: 1.65;
    color: #444;
  }

  .modal-section ul {
    padding-left: 1.25rem;
  }

  .modal-section li { margin-bottom: 0.3rem; }

  .tip-box {
    background: #fff8e6;
    border-left: 4px solid #f0a500;
    border-radius: 0 6px 6px 0;
    padding: 0.85rem 1rem;
    font-size: 0.87rem;
    color: #5a3e00;
    line-height: 1.55;
  }

  .important-box {
    background: #fdecea;
    border-left: 4px solid var(--red);
    border-radius: 0 6px 6px 0;
    padding: 0.85rem 1rem;
    font-size: 0.87rem;
    color: #7a1020;
    line-height: 1.55;
  }

  /* ── FAQ ── */
  #faq { background: white; }

  .faq-wrapper {
    max-width: 960px;
    margin: 0 auto;
    padding: 3rem 2rem;
  }

  .faq-categories {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-bottom: 2rem;
  }

  .faq-cat-btn {
    padding: 7px 16px;
    border-radius: 20px;
    border: 2px solid var(--border);
    background: white;
    font-size: 0.8rem;
    font-weight: 700;
    cursor: pointer;
    color: var(--gray-mid);
    transition: all 0.2s;
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }

  .faq-cat-btn.active, .faq-cat-btn:hover {
    background: var(--red);
    border-color: var(--red);
    color: white;
  }

  .faq-list {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
  }

  .faq-item {
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
    transition: border-color 0.2s;
  }

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

  .faq-item:hover { border-color: var(--red); }

  .faq-question {
    padding: 1rem 1.25rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--navy);
    background: white;
    border: none;
    width: 100%;
    text-align: left;
  }

  .faq-chevron {
    width: 22px;
    height: 22px;
    background: var(--red-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform 0.25s, background 0.2s;
    color: var(--red);
    font-size: 0.7rem;
  }

  .faq-item.open .faq-chevron {
    transform: rotate(180deg);
    background: var(--red);
    color: white;
  }

  .faq-answer {
    display: none;
    padding: 0 1.25rem 1.1rem;
    font-size: 0.875rem;
    line-height: 1.7;
    color: #555;
    border-top: 1px solid var(--border);
    background: var(--off-white);
  }

  .faq-item.open .faq-answer { display: block; }

  /* floating chat styles below */

  /* ── FOOTER ── */
  footer {
    background: var(--navy);
    border-top: 3px solid var(--red);
    padding: 2rem 2.5rem;
    text-align: center;
  }

  footer p {
    color: rgba(255,255,255,0.45);
    font-size: 0.78rem;
  }

  footer strong { color: rgba(255,255,255,0.7); }

  /* ── DIVIDER ── */
  .section-divider {
    height: 4px;
    background: linear-gradient(to right, var(--red), transparent);
    max-width: 960px;
    margin: 0 auto;
    border-radius: 2px;
  }



  @media (max-width: 600px) {
    nav { display: none; }
    .hero { padding: 2.5rem 1.25rem 2rem; }
    .section { padding: 2rem 1.25rem; }
    .faq-wrapper, .bot-wrapper { padding: 2rem 1.25rem; }
  }

  /* ── BACK TO TOP ── */
  #back-to-top {
    position: fixed;
    bottom: 28px;
    left: 28px;
    z-index: 1000;
    width: 48px;
    height: 48px;
    background: var(--navy);
    color: white;
    border: none;
    border-radius: 50%;
    font-size: 1.4rem;
    cursor: pointer;
    box-shadow: 0 4px 16px rgba(0,0,0,0.25);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s, transform 0.2s;
  }

  #back-to-top.visible {
    opacity: 1;
    pointer-events: auto;
  }

  #back-to-top:hover {
    transform: scale(1.1);
  }

  /* ── FLOATING CHAT WIDGET ── */
  #chat-fab {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 1000;
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 12px;
  }

  #chat-bubble-btn {
    width: 60px;
    height: 60px;
    background: var(--red);
    border-radius: 50%;
    border: none;
    cursor: pointer;
    box-shadow: 0 4px 20px rgba(213,23,42,0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    transition: transform 0.2s, box-shadow 0.2s;
    position: relative;
  }

  #chat-bubble-btn:hover {
    transform: scale(1.08);
    box-shadow: 0 6px 28px rgba(213,23,42,0.65);
  }

  #chat-unread {
    position: absolute;
    top: -4px;
    right: -4px;
    background: white;
    color: var(--red);
    font-size: 0.65rem;
    font-weight: 800;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--red);
  }

  #chat-panel {
    width: 380px;
    height: 540px;
    background: var(--navy);
    border-radius: 16px;
    box-shadow: 0 12px 48px rgba(0,0,0,0.4);
    display: none;
    flex-direction: column;
    overflow: hidden;
    animation: chatSlideUp 0.28s cubic-bezier(0.34,1.56,0.64,1);
    border: 1px solid rgba(255,255,255,0.08);
  }

  #chat-panel.open {
    display: flex;
  }

  @keyframes chatSlideUp {
    from { opacity: 0; transform: translateY(20px) scale(0.95); }
    to { opacity: 1; transform: translateY(0) scale(1); }
  }

  .chat-panel-header {
    background: var(--red);
    padding: 1rem 1.1rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-shrink: 0;
  }

  .chat-panel-header-left {
    display: flex;
    align-items: center;
    gap: 10px;
  }

  .chat-panel-avatar {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }

  .chat-panel-avatar img {
    width: 100%;
    height: 100%;
    object-fit: contain;
  }

  .chat-panel-title {
    color: white;
    font-weight: 800;
    font-size: 0.95rem;
  }

  .chat-panel-subtitle {
    color: rgba(255,255,255,0.7);
    font-size: 0.72rem;
    margin-top: 1px;
  }

  .chat-panel-controls {
    display: flex;
    gap: 6px;
  }

  .chat-ctrl-btn {
    background: rgba(255,255,255,0.15);
    border: none;
    color: white;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    cursor: pointer;
    font-size: 0.85rem;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
  }

  .chat-ctrl-btn:hover { background: rgba(255,255,255,0.3); }

  .chat-window {
    flex: 1;
    overflow-y: auto;
    padding: 1rem;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
    scroll-behavior: smooth;
  }

  .chat-window::-webkit-scrollbar { width: 4px; }
  .chat-window::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.15); border-radius: 3px; }

  .chat-quick-prompts {
    padding: 0 0.85rem 0.5rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.4rem;
    flex-shrink: 0;
  }

  .quick-btn {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.8);
    padding: 5px 10px;
    border-radius: 20px;
    font-size: 0.73rem;
    cursor: pointer;
    font-family: 'Open Sans', sans-serif;
    transition: all 0.2s;
    white-space: nowrap;
  }

  .quick-btn:hover {
    background: rgba(213,23,42,0.4);
    border-color: var(--red);
    color: white;
  }

  .chat-input-area {
    padding: 0.75rem;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex;
    gap: 0.6rem;
    flex-shrink: 0;
    background: rgba(0,0,0,0.15);
  }

  .chat-input {
    flex: 1;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 8px;
    padding: 0.6rem 0.85rem;
    color: white;
    font-family: 'Open Sans', sans-serif;
    font-size: 0.83rem;
    outline: none;
    transition: border-color 0.2s;
  }

  .chat-input:focus { border-color: var(--red); }
  .chat-input::placeholder { color: rgba(255,255,255,0.35); }

  .send-btn {
    background: var(--red);
    color: white;
    border: none;
    border-radius: 8px;
    padding: 0 1rem;
    font-weight: 700;
    font-size: 0.83rem;
    cursor: pointer;
    font-family: 'Open Sans', sans-serif;
    transition: background 0.2s;
    white-space: nowrap;
  }

  .send-btn:hover { background: var(--red-dark); }
  .send-btn:disabled { opacity: 0.5; cursor: not-allowed; }

  .chat-msg {
    display: flex;
    gap: 0.6rem;
    max-width: 88%;
    animation: fadeIn 0.25s ease;
  }

  @keyframes fadeIn {
    from { opacity: 0; transform: translateY(5px); }
    to { opacity: 1; transform: translateY(0); }
  }

  .chat-msg.user {
    align-self: flex-end;
    flex-direction: row-reverse;
  }

  .chat-avatar {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 2px;
  }

  .bot-avatar { background: transparent; width: 40px; height: 40px; border-radius: 0; }
  .bot-avatar img { width: 100%; height: 100%; object-fit: contain; }
  .user-avatar { background: rgba(255,255,255,0.15); color: rgba(255,255,255,0.8); }

  .chat-bubble {
    padding: 0.6rem 0.85rem;
    border-radius: 10px;
    font-size: 0.83rem;
    line-height: 1.6;
  }

  .chat-msg.bot .chat-bubble {
    background: rgba(255,255,255,0.08);
    color: rgba(255,255,255,0.9);
    border-bottom-left-radius: 3px;
  }

  .chat-msg.user .chat-bubble {
    background: var(--red);
    color: white;
    border-bottom-right-radius: 3px;
  }

  .chat-bubble ul { padding-left: 1.1rem; margin-top: 0.35rem; }
  .chat-bubble li { margin-bottom: 0.2rem; }
  .chat-bubble strong { color: #ffcdd2; }
  .chat-msg.user .chat-bubble strong { color: white; }

  .typing-indicator {
    display: flex;
    gap: 4px;
    padding: 0.6rem 0.85rem;
    background: rgba(255,255,255,0.08);
    border-radius: 10px;
    border-bottom-left-radius: 3px;
    align-self: flex-start;
    align-items: center;
  }

  .typing-dot {
    width: 6px;
    height: 6px;
    background: rgba(255,255,255,0.4);
    border-radius: 50%;
    animation: bounce 1.2s infinite;
  }

  .typing-dot:nth-child(2) { animation-delay: 0.2s; }
  .typing-dot:nth-child(3) { animation-delay: 0.4s; }

  @keyframes bounce {
    0%, 80%, 100% { transform: scale(0.8); opacity: 0.5; }
    40% { transform: scale(1.2); opacity: 1; }
  }

  /* tooltip label */
  #chat-tooltip {
    background: var(--navy);
    color: white;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 20px;
    white-space: nowrap;
    box-shadow: 0 2px 12px rgba(0,0,0,0.3);
    pointer-events: none;
    animation: fadeIn 0.3s ease;
  }

  @media (max-width: 440px) {
    #chat-panel { width: calc(100vw - 24px); }
    #chat-fab { right: 12px; bottom: 12px; }
  }