/* ===========================================================
   LoanWise — Professional Fintech Design System
   Inspired by Stripe, Linear, Mercury — clean, not generic AI
   =========================================================== */

/* --- Tokens --- */
:root {
    /* Primary — Deep Indigo (professional, not neon) */
    --indigo-50: #EEF2FF;
    --indigo-100: #E0E7FF;
    --indigo-200: #C7D2FE;
    --indigo-500: #6366F1;
    --indigo-600: #4F46E5;
    --indigo-700: #4338CA;
    --indigo-900: #312E81;

    /* Neutral — Slate */
    --slate-50: #F8FAFC;
    --slate-100: #F1F5F9;
    --slate-200: #E2E8F0;
    --slate-300: #CBD5E1;
    --slate-400: #94A3B8;
    --slate-500: #64748B;
    --slate-600: #475569;
    --slate-700: #334155;
    --slate-800: #1E293B;
    --slate-900: #0F172A;
    --slate-950: #020617;

    /* Semantic */
    --green-500: #22C55E;
    --green-600: #16A34A;
    --green-50: #F0FDF4;
    --red-500: #EF4444;
    --red-50: #FEF2F2;
    --amber-500: #F59E0B;
    --amber-50: #FFFBEB;

    /* UI */
    --bg: #FFFFFF;
    --bg-alt: var(--slate-50);
    --bg-card: #FFFFFF;
    --text: var(--slate-900);
    --text-secondary: var(--slate-500);
    --text-muted: var(--slate-400);
    --border: var(--slate-200);
    --border-light: var(--slate-100);
    --ring: rgba(79, 70, 229, 0.15);

    /* Typography */
    --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-mono: 'JetBrains Mono', 'SF Mono', 'Cascadia Code', monospace;

    /* Radius */
    --r-sm: 6px;
    --r-md: 8px;
    --r-lg: 12px;
    --r-xl: 16px;
    --r-2xl: 20px;
    --r-full: 9999px;

    /* Shadows */
    --shadow-xs: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.04);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.04);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.08), 0 8px 10px -6px rgba(0,0,0,0.04);

    /* Motion */
    --ease: cubic-bezier(0.16, 1, 0.3, 1);
    --dur: 200ms;
}

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font);
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    overflow-x: hidden;
}

::selection { background: var(--indigo-100); color: var(--indigo-900); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font-family: inherit; font-size: inherit; color: inherit; outline: none; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section-alt { background: var(--bg-alt); }

.hidden-section { display: none; }
.hidden-section.visible {
    display: block;
    animation: reveal 0.5s var(--ease) both;
}

@keyframes reveal {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===========================================================
   NAVBAR
   =========================================================== */
.navbar {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    background: rgba(255,255,255,0.85);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-light);
    transition: box-shadow var(--dur) var(--ease);
}

.navbar.scrolled { box-shadow: var(--shadow-sm); }

.nav-inner {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 24px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
}

.brand {
    display: flex; align-items: center; gap: 8px;
    font-weight: 700; font-size: 1.1rem;
    color: var(--slate-900);
}

.brand-mark {
    width: 32px; height: 32px;
    display: flex; align-items: center; justify-content: center;
    background: var(--indigo-600);
    color: #fff;
    border-radius: var(--r-md);
}

.brand-name-sm { font-size: 0.95rem; }

.nav-links { display: flex; gap: 4px; }

.nav-link {
    padding: 6px 14px; border-radius: var(--r-md);
    font-size: 14px; font-weight: 500;
    color: var(--text-secondary);
    transition: all var(--dur) var(--ease);
}

.nav-link:hover { color: var(--text); background: var(--slate-100); }

.nav-right { display: flex; align-items: center; gap: 12px; }

.menu-toggle {
    display: none; flex-direction: column; gap: 4px;
    background: none; border: none; cursor: pointer; padding: 6px;
}

.menu-toggle span {
    width: 20px; height: 2px; background: var(--text);
    border-radius: 1px; transition: all var(--dur) var(--ease);
    display: block;
}

/* ===========================================================
   BUTTONS
   =========================================================== */
.btn {
    display: inline-flex; align-items: center; justify-content: center;
    gap: 8px; padding: 10px 20px;
    border-radius: var(--r-md); font-weight: 600; font-size: 14px;
    border: none; cursor: pointer;
    transition: all var(--dur) var(--ease);
    white-space: nowrap; line-height: 1.2;
}

.btn-primary {
    background: var(--indigo-600); color: #fff;
    box-shadow: 0 1px 2px rgba(79,70,229,0.2);
}

.btn-primary:hover {
    background: var(--indigo-700);
    box-shadow: 0 4px 12px rgba(79,70,229,0.25);
    transform: translateY(-1px);
}

.btn-outline {
    background: var(--bg);
    color: var(--text);
    border: 1px solid var(--border);
}

.btn-outline:hover { border-color: var(--slate-300); background: var(--slate-50); }

.btn-white {
    background: #fff; color: var(--indigo-700);
    box-shadow: var(--shadow-sm);
}

.btn-white:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }

.btn-nav { padding: 8px 16px; font-size: 13px; }
.btn-lg { padding: 14px 28px; font-size: 15px; border-radius: var(--r-lg); }
.btn-block { width: 100%; }
.btn-submit { height: 48px; font-size: 15px; margin-top: 8px; }

/* ===========================================================
   HERO
   =========================================================== */
.hero {
    padding: 140px 0 64px;
    background: linear-gradient(180deg, var(--indigo-50) 0%, var(--bg) 60%);
    overflow: hidden;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 13px; font-weight: 600;
    color: var(--indigo-600);
    margin-bottom: 20px;
}

.eyebrow-dot {
    width: 6px; height: 6px; border-radius: 50%;
    background: var(--green-500);
    flex-shrink: 0;
}

.hero-h1 {
    font-size: clamp(2.2rem, 4.5vw, 3.4rem);
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.03em;
    color: var(--slate-900);
    margin-bottom: 18px;
}

.hero-h1-accent { color: var(--indigo-600); }

.hero-p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    line-height: 1.65;
    margin-bottom: 28px;
    max-width: 480px;
}

.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 32px; }

/* Social Proof */
.hero-proof { display: flex; align-items: center; gap: 12px; }

.proof-avatars { display: flex; }

.avatar {
    width: 32px; height: 32px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700; color: #fff;
    border: 2px solid #fff;
    margin-left: -8px;
}

.avatar:first-child { margin-left: 0; }

.proof-text {
    font-size: 13px; color: var(--text-secondary);
}

/* Visual Card */
.hero-visual { position: relative; }

.visual-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-2xl);
    padding: 24px;
    box-shadow: var(--shadow-xl);
    position: relative;
    z-index: 2;
}

.vc-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 20px; }
.vc-label { font-size: 14px; font-weight: 600; color: var(--text); }

.vc-badge {
    font-size: 12px; font-weight: 700;
    color: var(--green-600);
    background: var(--green-50);
    padding: 4px 12px;
    border-radius: var(--r-full);
    border: 1px solid rgba(22,163,74,0.15);
}

.vc-stat-row {
    display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px;
    margin-bottom: 24px;
}

.vc-stat { text-align: center; }

.vc-stat-val {
    display: block;
    font-family: var(--font-mono);
    font-size: 1.3rem; font-weight: 700;
    color: var(--text);
    margin-bottom: 2px;
}

.vc-stat-accent { color: var(--green-600); }

.vc-stat-label {
    font-size: 11px; color: var(--text-muted);
    text-transform: uppercase; letter-spacing: 0.5px;
}

.vc-chart {
    border-top: 1px solid var(--border-light);
    padding-top: 16px;
}

.vc-svg { width: 100%; height: 80px; display: block; }

.vc-chart-labels {
    display: flex; justify-content: space-between;
    font-size: 10px; color: var(--text-muted);
    margin-top: 6px; font-family: var(--font-mono);
}

/* Floating badges */
.visual-float {
    position: absolute;
    display: flex; align-items: center; gap: 8px;
    padding: 10px 16px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    font-size: 13px; font-weight: 600;
    z-index: 3;
    animation: floatBadge 4s ease-in-out infinite;
}

.visual-float i { font-size: 1rem; }

.visual-float-1 {
    top: -16px; left: -24px;
    color: var(--green-600);
    animation-delay: 0s;
}

.visual-float-2 {
    bottom: 20px; right: -20px;
    color: var(--indigo-600);
    animation-delay: -2s;
}

@keyframes floatBadge {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* Stats Strip */
.stats-strip {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 28px 40px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    margin-top: 56px;
    box-shadow: var(--shadow-sm);
}

.strip-stat { text-align: center; flex: 1; }

.strip-val {
    display: block;
    font-family: var(--font-mono);
    font-size: 1.3rem; font-weight: 800;
    color: var(--text);
    margin-bottom: 2px;
}

.strip-label {
    font-size: 12px; color: var(--text-muted);
    text-transform: uppercase; letter-spacing: 0.5px; font-weight: 500;
}

.strip-stat-highlight .strip-val { color: var(--indigo-600); }
.strip-stat-highlight .strip-label { color: var(--indigo-500); }

.strip-divider {
    width: 1px; height: 40px; background: var(--border);
    flex-shrink: 0;
}

/* ===========================================================
   SECTION HEADS
   =========================================================== */
.section-head { text-align: center; margin-bottom: 56px; }

.section-overline {
    display: inline-block;
    font-size: 12px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 1.5px;
    color: var(--indigo-600);
    margin-bottom: 12px;
}

.section-title {
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.02em;
    margin-bottom: 12px;
    color: var(--slate-900);
}

.section-desc {
    font-size: 1rem;
    color: var(--text-secondary);
    max-width: 520px;
    margin: 0 auto;
}

/* ===========================================================
   HOW IT WORKS
   =========================================================== */
.steps {
    display: flex; align-items: stretch;
    justify-content: center; gap: 12px;
}

.step {
    flex: 1; max-width: 320px;
    padding: 32px 28px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    text-align: center;
    position: relative;
    transition: all var(--dur) var(--ease);
}

.step:hover {
    border-color: var(--indigo-200);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.step-num {
    font-family: var(--font-mono);
    font-size: 2.5rem; font-weight: 800;
    color: var(--slate-100);
    position: absolute; top: 12px; right: 16px; line-height: 1;
}

.step-icon {
    width: 48px; height: 48px;
    display: flex; align-items: center; justify-content: center;
    background: var(--indigo-50); color: var(--indigo-600);
    border-radius: var(--r-lg);
    margin: 0 auto 16px;
    font-size: 1.25rem;
}

.step-icon-done { background: var(--green-50); color: var(--green-600); }

.step h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.55; }

.step-arrow {
    color: var(--slate-300); flex-shrink: 0;
    display: flex; align-items: center; font-size: 1.25rem;
}

/* ===========================================================
   CALCULATOR
   =========================================================== */
.calc-top {
    display: flex; justify-content: space-between; align-items: flex-end;
    margin-bottom: 28px; gap: 16px; flex-wrap: wrap;
}

.engine-badge {
    display: flex; align-items: center; gap: 6px;
    font-family: var(--font-mono); font-size: 12px;
    color: var(--text-muted);
    padding: 6px 12px; border-radius: var(--r-md);
    background: var(--bg-card); border: 1px solid var(--border);
}

.engine-dot {
    width: 6px; height: 6px; border-radius: 50%;
    background: var(--green-500);
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; } 50% { opacity: 0.4; }
}

.calc-layout {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 24px;
    align-items: start;
}

.calc-form {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    padding: 32px;
}

.form-block { margin-bottom: 24px; }

.form-block-label {
    display: flex; align-items: center; gap: 6px;
    font-size: 11px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 1.2px;
    color: var(--text-muted);
    margin-bottom: 16px;
}

.form-block-label i { color: var(--indigo-500); font-size: 14px; }

.form-row {
    display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
}

.field { margin-bottom: 16px; }

.field label {
    display: block; font-size: 13px; font-weight: 600;
    color: var(--slate-700); margin-bottom: 6px;
}

.field-input {
    display: flex; align-items: center;
    background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--r-md);
    transition: all var(--dur) var(--ease);
    overflow: hidden;
}

.field-input:focus-within {
    border-color: var(--indigo-500);
    box-shadow: 0 0 0 3px var(--ring);
}

.field-prefix {
    padding: 0 12px; font-family: var(--font-mono);
    font-weight: 600; color: var(--text-muted); font-size: 13px;
    border-right: 1px solid var(--border-light);
    height: 42px; display: flex; align-items: center;
    background: var(--slate-50); flex-shrink: 0;
}

.field-input input {
    flex: 1; padding: 10px 12px;
    background: transparent; border: none;
    font-family: var(--font-mono); font-size: 14px;
    font-weight: 500; color: var(--text);
    width: 100%; min-width: 0;
}

.field-input input::-webkit-inner-spin-button,
.field-input input::-webkit-outer-spin-button { -webkit-appearance: none; }
.field-input input[type="number"] { -moz-appearance: textfield; }

.field-select { position: relative; }

.field-select select {
    width: 100%; padding: 10px 36px 10px 12px;
    background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--r-md); color: var(--text);
    font-size: 14px; font-weight: 500;
    cursor: pointer; appearance: none;
    transition: all var(--dur) var(--ease);
}

.field-select select:focus {
    border-color: var(--indigo-500);
    box-shadow: 0 0 0 3px var(--ring);
}

.field-select-icon {
    position: absolute; right: 12px; top: 50%;
    transform: translateY(-50%);
    color: var(--text-muted); pointer-events: none;
}

/* Slider */
.slider {
    width: 100%; height: 4px;
    -webkit-appearance: none; appearance: none;
    background: var(--slate-200); border-radius: 2px;
    margin-top: 8px; cursor: pointer; outline: none;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 16px; height: 16px;
    background: var(--indigo-600); border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 1px 4px rgba(79,70,229,0.3);
    transition: transform var(--dur) var(--ease);
}

.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }

.slider::-moz-range-thumb {
    width: 16px; height: 16px;
    background: var(--indigo-600); border-radius: 50%;
    border: none; cursor: pointer;
}

.slider-range {
    display: flex; justify-content: space-between;
    font-size: 10px; color: var(--text-muted);
    margin-top: 3px; font-family: var(--font-mono);
}

/* Sidebar */
.calc-sidebar { position: sticky; top: 88px; }

.sidebar-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    overflow: hidden;
    margin-bottom: 16px;
}

.sidebar-top {
    display: flex; justify-content: space-between; align-items: center;
    padding: 16px 20px;
    border-bottom: 1px solid var(--border-light);
}

.sidebar-top h3 { font-size: 14px; font-weight: 700; }

.live-indicator {
    display: flex; align-items: center; gap: 5px;
    font-size: 11px; font-weight: 600;
    color: var(--green-600);
}

.live-dot {
    width: 5px; height: 5px; border-radius: 50%;
    background: var(--green-500);
    animation: pulse 1.5s ease-in-out infinite;
}

.sidebar-rows { padding: 16px 20px; }

.sidebar-row {
    display: flex; justify-content: space-between; align-items: center;
    padding: 8px 0;
    font-size: 13px; color: var(--text-secondary);
}

.sidebar-row + .sidebar-row { border-top: 1px solid var(--border-light); }

.sidebar-val {
    font-family: var(--font-mono); font-weight: 600;
    color: var(--text); font-size: 13px;
}

.sidebar-highlight {
    margin: 0 16px 16px;
    padding: 16px;
    background: var(--indigo-50);
    border: 1px solid var(--indigo-100);
    border-radius: var(--r-lg);
}

.sh-label {
    display: block; font-size: 11px; font-weight: 600;
    text-transform: uppercase; letter-spacing: 0.8px;
    color: var(--indigo-600); margin-bottom: 4px;
}

.sh-value {
    font-family: var(--font-mono);
    font-size: 1.8rem; font-weight: 800;
    color: var(--slate-900);
}

.sh-unit {
    font-size: 0.85rem; font-weight: 400;
    color: var(--text-secondary); font-family: var(--font);
}

.sidebar-insights { padding: 20px; }
.sidebar-insights h4 { font-size: 13px; font-weight: 700; margin-bottom: 12px; }

.insight {
    display: flex; gap: 8px; align-items: flex-start;
    font-size: 12px; color: var(--text-secondary); line-height: 1.5;
    padding: 8px 0;
}

.insight + .insight { border-top: 1px solid var(--border-light); }
.insight i { color: var(--indigo-500); margin-top: 2px; flex-shrink: 0; }
.insight strong { color: var(--text); }

/* ===========================================================
   RESULTS
   =========================================================== */
.results-section { background: var(--bg); }

.loader-wrap {
    display: flex; align-items: center; justify-content: center;
    padding: 80px 24px;
}
.loader-wrap.hidden { display: none; }
.loader-inner { text-align: center; max-width: 280px; }

.loader-spinner {
    width: 36px; height: 36px; border-radius: 50%;
    border: 3px solid var(--slate-200);
    border-top-color: var(--indigo-600);
    animation: spin 0.7s linear infinite;
    margin: 0 auto 16px;
}

@keyframes spin { to { transform: rotate(360deg); } }

.loader-text {
    font-size: 13px; color: var(--text-secondary);
    font-family: var(--font-mono); margin-bottom: 12px;
}

.loader-bar {
    height: 3px; background: var(--slate-200);
    border-radius: 2px; overflow: hidden;
}

.loader-bar-fill {
    height: 100%; width: 0;
    background: var(--indigo-600);
    transition: width 0.3s var(--ease);
}

/* Verdict */
.verdict {
    display: flex; align-items: center; gap: 20px;
    padding: 24px 28px;
    background: var(--green-50);
    border: 1px solid rgba(22,163,74,0.15);
    border-radius: var(--r-xl);
    margin-bottom: 40px;
}

.verdict-icon {
    flex-shrink: 0; font-size: 2rem;
    color: var(--green-600);
}

.verdict-body { flex: 1; min-width: 0; }
.verdict-eyebrow { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--green-600); }
.verdict-plan { font-size: 1.2rem; font-weight: 800; color: var(--text); margin: 2px 0 4px; }
.verdict-reason { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.5; }

.verdict-savings {
    flex-shrink: 0; text-align: center;
    padding: 16px 24px;
    background: #fff; border: 1px solid rgba(22,163,74,0.15);
    border-radius: var(--r-lg);
}

.verdict-savings-label {
    display: block; font-size: 10px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 1px;
    color: var(--green-600); margin-bottom: 4px;
}

.verdict-savings-val {
    font-family: var(--font-mono);
    font-size: 1.5rem; font-weight: 800;
    color: var(--green-600);
}

.results-heading {
    font-size: 1.1rem; font-weight: 700;
    margin-bottom: 16px; color: var(--text);
}

/* Plans Grid */
.plans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px; margin-bottom: 40px;
}

.plan-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    padding: 24px;
    transition: all var(--dur) var(--ease);
    position: relative; overflow: hidden;
}

.plan-card:hover { border-color: var(--slate-300); box-shadow: var(--shadow-md); transform: translateY(-2px); }

.plan-card.recommended {
    border-color: var(--indigo-200);
    box-shadow: 0 0 0 1px var(--indigo-200), var(--shadow-md);
}

.plan-card.recommended::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--indigo-600);
}

.plan-rec-tag {
    position: absolute; top: -1px; left: 50%; transform: translateX(-50%);
    background: var(--indigo-600); color: #fff;
    font-size: 9px; font-weight: 800; letter-spacing: 1px;
    text-transform: uppercase;
    padding: 3px 10px; border-radius: 0 0 var(--r-sm) var(--r-sm);
}

.plan-name {
    font-size: 11px; font-weight: 700; text-transform: uppercase;
    letter-spacing: 1px; color: var(--text-muted); margin-bottom: 6px;
}

.plan-monthly {
    font-family: var(--font-mono);
    font-size: 1.6rem; font-weight: 800; margin-bottom: 16px;
}

.plan-monthly-unit {
    font-size: 0.8rem; font-weight: 400;
    color: var(--text-secondary); font-family: var(--font);
}

.plan-details { display: flex; flex-direction: column; gap: 8px; }

.plan-detail {
    display: flex; justify-content: space-between; align-items: baseline;
    font-size: 13px;
}

.plan-detail-label { color: var(--text-muted); }
.plan-detail-value { font-family: var(--font-mono); font-weight: 600; }

.plan-forgiven {
    padding-top: 8px; margin-top: 4px;
    border-top: 1px solid var(--border-light);
}

.forgiven-label { color: var(--green-600) !important; font-weight: 600; }
.forgiven-value { color: var(--green-600) !important; }

/* Charts */
.charts-row {
    display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
    margin-bottom: 24px;
}

.chart-panel {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    overflow: hidden;
}

.chart-panel-head { padding: 20px 24px 8px; }
.chart-panel-head h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 2px; }
.chart-panel-head p { font-size: 0.8rem; color: var(--text-muted); }

.chart-area { padding: 8px 16px 16px; height: 280px; }

/* Data Table */
.table-panel {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    overflow: hidden;
}

.table-wrap { overflow-x: auto; }

.data-table {
    width: 100%; border-collapse: collapse;
    font-size: 13px;
}

.data-table th {
    text-align: left;
    padding: 12px 20px;
    font-size: 11px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.8px;
    color: var(--text-muted);
    background: var(--slate-50);
    border-bottom: 1px solid var(--border);
}

.data-table td {
    padding: 12px 20px;
    font-family: var(--font-mono);
    font-weight: 500;
    border-bottom: 1px solid var(--border-light);
}

.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--slate-50); }

/* AI Insights Panel */
.ai-insights-panel {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    overflow: hidden;
    margin-top: 24px;
}

.ai-insights-head {
    display: flex; align-items: center; gap: 12px;
    padding: 20px 24px;
    border-bottom: 1px solid var(--border-light);
}

.ai-insights-icon {
    width: 36px; height: 36px;
    display: flex; align-items: center; justify-content: center;
    background: var(--indigo-50);
    border-radius: var(--r-md);
    color: var(--indigo-600);
    font-size: 1.1rem;
    flex-shrink: 0;
}

.ai-insights-head h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 1px; }
.ai-insights-head p { font-size: 0.78rem; color: var(--text-muted); }

.ai-insights-body { padding: 24px; }

.ai-loading {
    display: flex; align-items: center; gap: 12px;
    color: var(--text-muted); font-size: 13px;
}

.ai-typing {
    display: flex; gap: 4px;
}

.ai-typing span {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--slate-300);
    animation: typingDot 1.4s ease-in-out infinite;
}

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

@keyframes typingDot {
    0%, 60%, 100% { opacity: 0.3; transform: scale(0.8); }
    30% { opacity: 1; transform: scale(1); }
}

.ai-content {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.7;
}

.ai-content strong { color: var(--text); font-weight: 600; }

.ai-content ul {
    list-style: none;
    padding: 0;
    margin: 12px 0 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.ai-content li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 10px 14px;
    background: var(--slate-50);
    border-radius: var(--r-md);
    font-size: 0.85rem;
    line-height: 1.55;
}

.ai-content li::before {
    content: '→';
    color: var(--indigo-500);
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px;
}

.ai-error {
    display: flex; align-items: center; gap: 8px;
    padding: 12px 16px;
    background: var(--red-50);
    border: 1px solid rgba(239,68,68,0.15);
    border-radius: var(--r-md);
    font-size: 0.82rem;
    color: var(--red-500);
}

/* ===========================================================
   FORGIVENESS
   =========================================================== */
.forg-top { margin-bottom: 24px; }

.forg-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
}

.forg-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    padding: 24px;
    transition: border-color var(--dur) var(--ease);
}

.forg-card:hover { border-color: var(--slate-300); }

.forg-card-header {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 16px; gap: 12px;
}

.forg-card-title { display: flex; align-items: center; gap: 8px; }
.forg-card-title h3 { font-size: 0.95rem; font-weight: 700; }

.forg-status {
    padding: 4px 12px; border-radius: var(--r-full);
    font-size: 11px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.5px;
    flex-shrink: 0;
}

.forg-status.eligible { background: var(--green-50); color: var(--green-600); border: 1px solid rgba(22,163,74,0.15); }
.forg-status.ineligible { background: var(--red-50); color: var(--red-500); border: 1px solid rgba(239,68,68,0.15); }

.forg-details { list-style: none; display: flex; flex-direction: column; gap: 6px; }

.forg-detail {
    display: flex; align-items: flex-start; gap: 8px;
    font-size: 0.82rem; color: var(--text-secondary); line-height: 1.5;
}

.forg-detail i { margin-top: 3px; flex-shrink: 0; }
.detail-pass { color: var(--green-600); }
.detail-fail { color: var(--red-500); }
.detail-warn { color: var(--amber-500); }

/* ===========================================================
   TESTIMONIALS
   =========================================================== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.testimonial {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-xl);
    padding: 28px;
    transition: all var(--dur) var(--ease);
}

.testimonial:hover { border-color: var(--slate-300); box-shadow: var(--shadow-md); }

.testimonial-stars {
    color: var(--amber-500);
    font-size: 14px;
    margin-bottom: 14px;
    letter-spacing: 2px;
}

.testimonial p {
    font-size: 0.92rem; color: var(--text-secondary);
    line-height: 1.6; margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    display: flex; align-items: center; gap: 10px;
}

.testimonial-author strong {
    display: block; font-size: 13px; font-weight: 700; color: var(--text);
}

.testimonial-author span {
    font-size: 12px; color: var(--text-muted);
}

/* ===========================================================
   FAQ
   =========================================================== */
.faq-list { max-width: 680px; margin: 0 auto; }

.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    margin-bottom: 8px;
    background: var(--bg-card);
    overflow: hidden;
    transition: border-color var(--dur) var(--ease);
}

.faq-item:hover { border-color: var(--slate-300); }

.faq-item summary {
    display: flex; align-items: center; justify-content: space-between;
    padding: 16px 20px;
    font-size: 0.95rem; font-weight: 600;
    cursor: pointer; list-style: none;
    color: var(--text);
    transition: background var(--dur) var(--ease);
}

.faq-item summary:hover { background: var(--slate-50); }
.faq-item summary::-webkit-details-marker { display: none; }

.faq-item[open] summary { border-bottom: 1px solid var(--border-light); }

.faq-item p {
    padding: 16px 20px;
    font-size: 0.88rem; color: var(--text-secondary);
    line-height: 1.65;
}

/* ===========================================================
   CTA SECTION
   =========================================================== */
.cta-section { padding: 80px 0; }

.cta-box {
    background: var(--indigo-600);
    border-radius: var(--r-2xl);
    padding: 56px 40px;
    text-align: center;
    color: #fff;
}

.cta-box h2 {
    font-size: 1.6rem; font-weight: 800; margin-bottom: 8px;
}

.cta-box p {
    font-size: 1rem; opacity: 0.8; margin-bottom: 24px;
}

/* ===========================================================
   FOOTER
   =========================================================== */
.footer {
    border-top: 1px solid var(--border);
    padding: 40px 0 20px; font-size: 13px;
}

.footer-inner {
    display: flex; justify-content: space-between;
    gap: 32px; margin-bottom: 24px; align-items: flex-start;
}

.footer-left .brand { margin-bottom: 0; }
.footer-note { color: var(--text-muted); font-size: 12px; margin-top: 8px; }

.footer-disclaimer {
    max-width: 400px; font-size: 11px;
    color: var(--text-muted); line-height: 1.55;
    padding: 12px 16px;
    background: var(--amber-50);
    border: 1px solid rgba(245,158,11,0.12);
    border-radius: var(--r-md);
}

.footer-disclaimer strong { color: var(--amber-500); }

.footer-bottom {
    padding-top: 16px; border-top: 1px solid var(--border-light);
    text-align: center; font-size: 12px; color: var(--text-muted);
}

/* ===========================================================
   RESPONSIVE
   =========================================================== */
@media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .hero-visual { max-width: 520px; margin: 0 auto; }
    .calc-layout { grid-template-columns: 1fr; }
    .calc-sidebar { position: static; }
}

@media (max-width: 768px) {
    .section { padding: 64px 0; }

    .nav-links {
        display: none; position: fixed; inset: 0;
        background: rgba(255,255,255,0.97);
        backdrop-filter: blur(16px);
        flex-direction: column; align-items: center; justify-content: center;
        gap: 12px; z-index: 99;
    }
    .nav-links.open { display: flex; }
    .nav-link { font-size: 1.1rem; padding: 12px 24px; }
    .menu-toggle { display: flex; }
    .menu-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(4px, 4px); }
    .menu-toggle.open span:nth-child(2) { opacity: 0; }
    .menu-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(4px, -4px); }

    .hero { padding: 120px 0 48px; }
    .hero-ctas { flex-direction: column; align-items: stretch; }

    .stats-strip {
        flex-direction: column; gap: 16px; padding: 24px;
    }
    .strip-divider { width: 48px; height: 1px; }

    .steps { flex-direction: column; gap: 12px; }
    .step-arrow { display: none; }
    .step { max-width: none; }

    .form-row { grid-template-columns: 1fr; }
    .calc-form { padding: 24px; }

    .charts-row { grid-template-columns: 1fr; }
    .forg-grid { grid-template-columns: 1fr; }
    .testimonials-grid { grid-template-columns: 1fr; }

    .verdict { flex-direction: column; text-align: center; }
    .verdict-savings { width: 100%; }

    .footer-inner { flex-direction: column; }
    .plans-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .calc-form { padding: 20px; }
    .hero-h1 { font-size: 1.9rem; }
    .visual-float { display: none; }
    .proof-avatars { display: none; }
}

/* ===========================================================
   AUTH UI — Avatar, Dropdown, Modal
   =========================================================== */

/* User Avatar & Menu */
.user-menu { position: relative; }

.user-avatar-btn {
    background: none; border: none; cursor: pointer; padding: 0;
}

.user-avatar {
    width: 34px; height: 34px;
    border-radius: 50%;
    background: var(--indigo-600);
    color: #fff;
    display: flex; align-items: center; justify-content: center;
    font-size: 12px; font-weight: 700;
    letter-spacing: 0.5px;
    transition: box-shadow var(--dur) var(--ease);
    background-position: center;
    background-repeat: no-repeat;
}

.user-avatar-btn:hover .user-avatar {
    box-shadow: 0 0 0 3px var(--ring);
}

/* Dropdown */
.user-dropdown {
    position: absolute;
    top: calc(100% + 8px); right: 0;
    width: 240px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-xl);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-4px);
    transition: all var(--dur) var(--ease);
    z-index: 200;
}

.user-dropdown.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-user-info {
    padding: 14px 16px 10px;
}

.dropdown-name {
    display: block; font-size: 13px; font-weight: 700; color: var(--text);
}

.dropdown-email {
    display: block; font-size: 11px; color: var(--text-muted);
    overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
    margin-top: 1px;
}

.dropdown-divider {
    border: none; border-top: 1px solid var(--border-light);
    margin: 4px 0;
}

.dropdown-item {
    display: flex; align-items: center; gap: 8px;
    width: 100%; padding: 10px 16px;
    background: none; border: none;
    font-size: 13px; font-weight: 500;
    color: var(--text-secondary);
    cursor: pointer;
    transition: all var(--dur) var(--ease);
    text-align: left;
}

.dropdown-item:hover {
    background: var(--slate-50);
    color: var(--text);
}

.dropdown-item i { font-size: 15px; }

.dropdown-logout:hover {
    color: var(--red-500);
    background: var(--red-50);
}

/* ===========================================================
   AUTH MODAL
   =========================================================== */
.modal-overlay {
    position: fixed; inset: 0;
    background: rgba(15, 23, 42, 0.5);
    backdrop-filter: blur(4px);
    display: flex; align-items: center; justify-content: center;
    z-index: 1000;
    opacity: 0; visibility: hidden;
    transition: all var(--dur) var(--ease);
    padding: 24px;
}

.modal-overlay.open {
    opacity: 1; visibility: visible;
}

.modal {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-2xl);
    box-shadow: var(--shadow-xl);
    width: 100%; max-width: 400px;
    position: relative;
    transform: scale(0.96) translateY(8px);
    transition: transform 0.3s var(--ease);
}

.modal-overlay.open .modal {
    transform: scale(1) translateY(0);
}

.modal-close {
    position: absolute; top: 12px; right: 14px;
    background: none; border: none;
    font-size: 1.5rem; color: var(--text-muted);
    cursor: pointer; line-height: 1;
    padding: 4px;
    transition: color var(--dur) var(--ease);
}

.modal-close:hover { color: var(--text); }

.modal-header {
    padding: 28px 28px 0;
}

.modal-header h2 { font-size: 1.2rem; font-weight: 800; margin-bottom: 4px; }
.modal-header p { font-size: 0.85rem; color: var(--text-secondary); }

.modal-body { padding: 24px 28px 28px; }

/* Auth provider buttons */
.auth-providers {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.btn-provider {
    display: flex; align-items: center; justify-content: center;
    gap: 10px; width: 100%;
    padding: 11px 16px;
    background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--r-md);
    font-size: 14px; font-weight: 600;
    cursor: pointer;
    transition: all var(--dur) var(--ease);
    color: var(--text);
}

.btn-provider:hover {
    border-color: var(--slate-300);
    box-shadow: var(--shadow-sm);
}

.btn-provider:disabled {
    opacity: 0.6; cursor: not-allowed;
}

.btn-provider i { font-size: 1.15rem; }

.btn-phone-start i { color: var(--indigo-500); }
.btn-anon { color: var(--text-secondary); }
.btn-anon i { color: var(--slate-400); }
.btn-anon:hover { color: var(--text); }

.modal-divider {
    display: flex; align-items: center;
    gap: 12px; margin: 20px 0;
    color: var(--text-muted); font-size: 12px; font-weight: 500;
}

.modal-divider::before,
.modal-divider::after {
    content: ''; flex: 1; height: 1px;
    background: var(--border-light);
}

.modal-field { margin-bottom: 14px; }
.modal-field label { display: block; font-size: 13px; font-weight: 600; color: var(--slate-700); margin-bottom: 5px; }

.modal-field input {
    width: 100%; padding: 10px 12px;
    background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--r-md);
    font-size: 14px; color: var(--text);
    transition: all var(--dur) var(--ease);
}

.modal-field input:focus {
    border-color: var(--indigo-500);
    box-shadow: 0 0 0 3px var(--ring);
}

.modal-field input::placeholder { color: var(--text-muted); }

.auth-error {
    font-size: 12px; color: var(--red-500);
    min-height: 18px; margin-bottom: 8px;
    line-height: 1.4;
}

.modal-toggle {
    text-align: center; margin-top: 16px;
    font-size: 13px; color: var(--text-secondary);
}

.link-btn {
    background: none; border: none;
    color: var(--indigo-600);
    font-weight: 600; font-size: 13px;
    cursor: pointer; padding: 0; margin-left: 4px;
    transition: color var(--dur) var(--ease);
}

.link-btn:hover { color: var(--indigo-700); text-decoration: underline; }

/* ===========================================================
   SAVED PLANS MODAL
   =========================================================== */
.saved-card {
    padding: 16px;
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    margin-bottom: 10px;
    transition: border-color var(--dur) var(--ease);
}

.saved-card:hover { border-color: var(--slate-300); }

.saved-card-top {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 8px;
}

.saved-plan {
    font-size: 14px; font-weight: 700; color: var(--text);
    display: block;
}

.saved-date {
    font-size: 11px; color: var(--text-muted);
}

.saved-savings {
    font-family: var(--font-mono);
    font-size: 12px; font-weight: 700;
    color: var(--green-600);
    background: var(--green-50);
    padding: 3px 10px;
    border-radius: var(--r-full);
    white-space: nowrap;
}

.saved-card-details {
    display: flex; gap: 16px;
    font-size: 12px; color: var(--text-muted);
    font-family: var(--font-mono);
}

/* Mobile: hide sign-in text */
@media (max-width: 480px) {
    #open-login-btn span { display: none; }
}

/* ===========================================================
   AI CHATBOT WIDGET
   =========================================================== */

/* FAB */
.chat-fab {
    position: fixed;
    bottom: 24px; right: 24px;
    width: 56px; height: 56px;
    border-radius: 50%;
    background: var(--indigo-600);
    color: #fff;
    border: none;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
    box-shadow: 0 4px 20px rgba(79,70,229,0.35);
    transition: all 0.25s var(--ease);
    z-index: 900;
}

.chat-fab:hover {
    transform: scale(1.08);
    box-shadow: 0 6px 28px rgba(79,70,229,0.45);
}

.chat-fab.active {
    background: var(--slate-700);
    box-shadow: 0 4px 16px rgba(0,0,0,0.2);
}

/* Panel */
.chat-panel {
    position: fixed;
    bottom: 96px; right: 24px;
    width: 380px;
    max-height: 560px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--r-2xl);
    box-shadow: var(--shadow-xl);
    display: flex;
    flex-direction: column;
    z-index: 899;
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px) scale(0.97);
    transition: all 0.3s var(--ease);
    overflow: hidden;
}

.chat-panel.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0) scale(1);
}

/* Header */
.chat-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 18px;
    border-bottom: 1px solid var(--border-light);
    flex-shrink: 0;
}

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

.chat-avatar {
    width: 36px; height: 36px;
    border-radius: var(--r-md);
    background: var(--indigo-50);
    color: var(--indigo-600);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.chat-title {
    display: block;
    font-size: 14px; font-weight: 700; color: var(--text);
}

.chat-status {
    display: flex; align-items: center; gap: 5px;
    font-size: 11px; color: var(--text-muted);
}

.chat-status-dot {
    width: 5px; height: 5px; border-radius: 50%;
    background: var(--green-500);
    animation: pulse 2s ease-in-out infinite;
}

.chat-close {
    background: none; border: none;
    color: var(--text-muted);
    cursor: pointer; padding: 4px;
    font-size: 1.1rem;
    border-radius: var(--r-sm);
    transition: all var(--dur) var(--ease);
}

.chat-close:hover {
    background: var(--slate-100);
    color: var(--text);
}

/* Disclaimer */
.chat-disclaimer {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 10px 16px;
    background: var(--amber-50);
    border-bottom: 1px solid rgba(245,158,11,0.12);
    font-size: 10px;
    line-height: 1.5;
    color: var(--slate-600);
    flex-shrink: 0;
}

.chat-disclaimer i {
    color: var(--amber-500);
    font-size: 14px;
    margin-top: 1px;
    flex-shrink: 0;
}

.chat-disclaimer strong {
    color: var(--amber-500);
}

/* Messages */
.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    min-height: 200px;
    max-height: 320px;
}

.chat-msg {
    display: flex;
    max-width: 85%;
}

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

.chat-msg-bot {
    align-self: flex-start;
}

.chat-msg-bubble {
    padding: 10px 14px;
    border-radius: var(--r-lg);
    font-size: 13px;
    line-height: 1.55;
    word-break: break-word;
}

.chat-msg-user .chat-msg-bubble {
    background: var(--indigo-600);
    color: #fff;
    border-bottom-right-radius: 4px;
}

.chat-msg-bot .chat-msg-bubble {
    background: var(--slate-100);
    color: var(--text);
    border-bottom-left-radius: 4px;
}

.chat-msg-bot .chat-msg-bubble strong {
    font-weight: 600;
}

/* Typing indicator */
.chat-typing {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 14px 18px !important;
}

.chat-typing span {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--slate-400);
    animation: typingDot 1.4s ease-in-out infinite;
}

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

/* Suggestions */
.chat-suggestions {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    padding: 0 16px 12px;
    flex-shrink: 0;
}

.chat-chip {
    padding: 6px 12px;
    font-size: 11px;
    font-weight: 600;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--r-full);
    cursor: pointer;
    color: var(--indigo-600);
    transition: all var(--dur) var(--ease);
    white-space: nowrap;
}

.chat-chip:hover {
    background: var(--indigo-50);
    border-color: var(--indigo-200);
}

/* Input */
.chat-input-area {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 14px;
    border-top: 1px solid var(--border-light);
    flex-shrink: 0;
}

.chat-input {
    flex: 1;
    padding: 9px 12px;
    background: var(--slate-50);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    font-size: 13px;
    color: var(--text);
    transition: all var(--dur) var(--ease);
}

.chat-input:focus {
    border-color: var(--indigo-500);
    box-shadow: 0 0 0 3px var(--ring);
    background: var(--bg);
}

.chat-input::placeholder { color: var(--text-muted); }

.chat-input:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

.chat-send {
    width: 36px; height: 36px;
    border-radius: var(--r-md);
    background: var(--indigo-600);
    color: #fff;
    border: none;
    cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    font-size: 0.95rem;
    flex-shrink: 0;
    transition: all var(--dur) var(--ease);
}

.chat-send:hover {
    background: var(--indigo-700);
}

/* Scrollbar */
.chat-messages::-webkit-scrollbar { width: 4px; }
.chat-messages::-webkit-scrollbar-track { background: transparent; }
.chat-messages::-webkit-scrollbar-thumb { background: var(--slate-200); border-radius: 2px; }

/* Mobile */
@media (max-width: 480px) {
    .chat-panel {
        width: calc(100vw - 32px);
        right: 16px;
        bottom: 88px;
        max-height: calc(100vh - 120px);
    }


    .chat-fab {
        bottom: 16px; right: 16px;
        width: 48px; height: 48px;
        font-size: 1.25rem;
    }
}