@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700;800;900&family=Open+Sans:wght@300;400;600&display=swap');

:root {
  --gold: #ffc909;
  --gold-light: #ffcf23;
  --gold-dark: #d6a600;
  --gold-hover: #e6b400;
  --black: #000;
  --white: #fff;
  --charcoal: #4a4a4a;
  --dark-bg: #111;
  --nav-bg: #0a0a0a;
  --light-gray: #f7f7f7;
  --border: #e6e6e6;
  --text: #1a1a1a;
  --text-muted: #666;
  --shadow: 0 4px 24px rgba(0,0,0,0.09);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.14);
  --r: 8px;
  --r-lg: 16px;
  --r-pill: 999px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',sans-serif;font-size:16px;line-height:1.65;color:var(--text);background:#fff}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif;font-weight:700;line-height:1.2}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
ul{list-style:none}
input,select,textarea,button{font-family:inherit}

/* ── Layout ── */
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-sm{padding:48px 0}

/* ── Nav ── */
.nav{position:sticky;top:0;z-index:1000;background:var(--nav-bg);box-shadow:0 2px 20px rgba(0,0,0,.4)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo img{height:44px;width:auto}
.logo-text .zh{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:700;color:var(--gold);letter-spacing:.5px}
.logo-text .en{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:600;color:rgba(255,255,255,.6);letter-spacing:1.5px;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:2px;flex:1;justify-content:center}
.nav-links a{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:600;color:rgba(255,255,255,.8);padding:7px 12px;border-radius:var(--r);transition:color .2s,background .2s;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--gold);background:rgba(255,201,9,.08)}
.nav-right{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-phone{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--gold);white-space:nowrap}

/* Language switcher */
.lang-switcher{display:flex;gap:2px;background:rgba(255,255,255,.08);border-radius:var(--r-pill);padding:3px}
.lang-btn{background:none;border:none;cursor:pointer;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:rgba(255,255,255,.5);padding:5px 10px;border-radius:var(--r-pill);transition:all .2s}
.lang-btn.active{background:var(--gold);color:var(--black)}
.lang-btn:hover:not(.active){color:var(--white)}

.nav-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--white);padding:6px}
.btn-agent-portal{display:inline-flex;align-items:center;gap:6px;background:var(--gold);border:1px solid var(--gold);border-radius:var(--r-pill);padding:6px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:#111;white-space:nowrap;transition:all .2s;text-decoration:none}
.btn-agent-portal:hover{background:#ffda4a;border-color:#ffda4a;color:#000}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;border-radius:var(--r-pill);border:none;cursor:pointer;transition:all .2s;white-space:nowrap}
.btn-gold{background:var(--gold);color:var(--black);padding:13px 32px}
.btn-gold:hover{background:var(--gold-hover);transform:translateY(-1px);box-shadow:0 4px 20px rgba(255,201,9,.4)}
.btn-gold-lg{background:var(--gold);color:var(--black);padding:16px 40px;font-size:16px}
.btn-gold-lg:hover{background:var(--gold-hover);transform:translateY(-2px);box-shadow:0 6px 28px rgba(255,201,9,.4)}
.btn-dark{background:var(--black);color:var(--white);padding:13px 32px}
.btn-dark:hover{background:#333}
.btn-outline-white{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.5);padding:13px 32px}
.btn-outline-white:hover{border-color:var(--white);background:rgba(255,255,255,.08)}
.btn-sm{padding:9px 20px;font-size:12px}

/* ── Hero ── */
.hero{background:linear-gradient(150deg,#080808 0%,#1a1a1a 60%,#0f0f0f 100%);position:relative;overflow:hidden;padding:96px 0 80px}
.hero::before{content:'';position:absolute;top:-20%;right:-5%;width:700px;height:700px;background:radial-gradient(circle,rgba(255,201,9,.06) 0%,transparent 65%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold))}
.hero-grid{display:grid;grid-template-columns:1fr 420px;gap:64px;align-items:center}
.hero-eyebrow{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.hero h1{font-size:52px;font-weight:800;color:var(--white);line-height:1.08;margin-bottom:20px}
.hero h1 span{color:var(--gold)}
.hero-desc{font-size:16px;color:rgba(255,255,255,.7);line-height:1.75;margin-bottom:32px;max-width:500px}
.hero-trust{display:flex;gap:20px;flex-wrap:wrap}
.trust-badge{display:flex;align-items:center;gap:7px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;color:rgba(255,255,255,.75)}
.trust-badge::before{content:'✓';width:18px;height:18px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:800;color:var(--black);flex-shrink:0}

/* Quick Form Card */
.form-card{background:var(--white);border-radius:var(--r-lg);padding:32px 28px;box-shadow:0 20px 60px rgba(0,0,0,.45);border-top:4px solid var(--gold)}
.form-card h3{font-size:18px;margin-bottom:4px}
.form-card .sub{font-size:12.5px;color:var(--text-muted);margin-bottom:20px}
.rate-pill{display:inline-block;background:var(--gold);color:var(--black);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 12px;border-radius:var(--r-pill);margin-bottom:16px}

/* Forms */
.fg{margin-bottom:14px}
.hero-form-btns{display:flex;gap:10px;margin-top:8px}
.fg label{display:block;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px}
.fg input,.fg select,.fg textarea{width:100%;padding:11px 13px;border:1.5px solid var(--border);border-radius:var(--r);font-size:14px;color:var(--text);background:#fff;transition:border-color .2s;appearance:none}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(255,201,9,.14)}
.fg select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23666' stroke-width='2'%3E%3Cpolyline points='6,9 12,15 18,9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:38px}
.fg textarea{resize:vertical;min-height:100px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-consent{font-size:11px;color:var(--text-muted);margin-top:10px;line-height:1.6}
.form-consent a{color:#0057a3}

/* ── Rates Bar ── */
.rates-bar{background:var(--gold);padding:13px 0}
.rates-inner{display:flex;align-items:center;gap:32px;overflow-x:auto;scrollbar-width:none}
.rates-inner::-webkit-scrollbar{display:none}
.rates-lbl{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;color:var(--black);flex-shrink:0}
.rate-item{display:flex;align-items:center;gap:6px;flex-shrink:0}
.rate-item .term{font-size:12px;color:rgba(0,0,0,.6)}
.rate-item .val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--black)}
.rate-div{width:1px;height:18px;background:rgba(0,0,0,.2);flex-shrink:0}

/* ── Stats ── */
.stats-section{background:var(--gold);padding:60px 0}
.stats-section .stat-num{color:#111}
.stats-section .stat-lbl{color:#1a1a1a;font-weight:700}
.stats-section .stat-item::after{background:rgba(0,0,0,0.12)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{text-align:center;padding:28px 20px;position:relative}
.stat-item::after{content:'';position:absolute;right:0;top:20%;height:60%;width:1px;background:rgba(255,255,255,.08)}
.stat-item:last-child::after{display:none}
.stat-num{font-family:'Montserrat',sans-serif;font-size:44px;font-weight:800;color:var(--gold);line-height:1;margin-bottom:6px}
.stat-lbl{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:600;color:rgba(255,255,255,.65)}
.stat-sub{font-size:11px;color:rgba(255,255,255,.3);margin-top:3px}

/* ── Section Headers ── */
.sec-hdr{text-align:center;margin-bottom:52px}
.sec-hdr .eyebrow{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold-dark);margin-bottom:10px}
.sec-hdr h2{font-size:38px;font-weight:800;margin-bottom:14px}
.sec-hdr p{font-size:16px;color:var(--text-muted);max-width:560px;margin:0 auto;line-height:1.7}

/* ── Services ── */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc-card{display:block;background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);padding:32px 26px;transition:all .3s;position:relative;overflow:hidden;cursor:pointer;text-decoration:none;color:inherit}
.svc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);transform:scaleX(0);transition:transform .3s;transform-origin:left}
.svc-card:hover{border-color:var(--gold);box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.svc-card:hover::before{transform:scaleX(1)}
.svc-icon{font-size:36px;margin-bottom:16px;width:56px;height:56px;display:flex;align-items:center;justify-content:center}
.svc-icon img{width:56px;height:56px;object-fit:contain;transition:transform .3s}
.svc-card:hover .svc-icon img{transform:scale(1.08)}
.svc-card h3{font-size:17px;font-weight:700;margin-bottom:3px}
.svc-card .zh-sub{font-size:12px;color:var(--charcoal);font-weight:600;margin-bottom:10px}
.svc-card p{font-size:13.5px;color:var(--text-muted);line-height:1.65;margin-bottom:18px}
.svc-link{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--gold-dark);display:inline-flex;align-items:center;gap:5px;transition:gap .2s}
.svc-card:hover .svc-link{gap:9px}

/* ── Why Us ── */
.why-section{background:var(--light-gray)}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.why-features{display:flex;flex-direction:column;gap:14px}
.why-feat{display:flex;gap:18px;background:#fff;border-radius:var(--r-lg);padding:22px;box-shadow:var(--shadow);transition:transform .2s}
.why-feat:hover{transform:translateX(6px)}
.feat-icon{width:56px;height:56px;background:var(--gold);border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;padding:10px}
.feat-icon img{width:100%;height:100%;object-fit:contain}
.feat-txt h4{font-size:15px;font-weight:700;margin-bottom:3px}
.feat-txt p{font-size:13px;color:var(--text-muted);line-height:1.6}
.why-content h2{font-size:36px;font-weight:800;margin-bottom:14px}
.why-content .lead{font-size:16px;color:var(--text-muted);line-height:1.75;margin-bottom:28px}
.checklist{display:flex;flex-direction:column;gap:10px;margin-bottom:32px}
.checklist li{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600}
.checklist li::before{content:'';width:20px;height:20px;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") no-repeat center;border-radius:50%;flex-shrink:0}
.btn-group{display:flex;gap:10px;flex-wrap:wrap}

/* ── Steps ── */
.steps-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;position:relative}
.steps-grid::before{content:'';position:absolute;top:34px;left:calc(10% + 12px);right:calc(10% + 12px);height:2px;background:linear-gradient(90deg,var(--gold),var(--gold-light))}
.step-item{text-align:center;position:relative}
.step-num{width:68px;height:68px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:24px;font-weight:800;color:var(--black);margin:0 auto 16px;position:relative;z-index:1;box-shadow:0 0 0 5px rgba(255,201,9,.15)}
.step-item h4{font-size:14px;font-weight:700;margin-bottom:6px}
.step-item p{font-size:12.5px;color:var(--text-muted);line-height:1.6}

/* ── Testimonials ── */
.testimonials-section{background:var(--dark-bg)}
.testimonials-section .sec-hdr .eyebrow{color:var(--gold)}
.testimonials-section .sec-hdr h2{color:#fff}
.testimonials-section .sec-hdr p{color:rgba(255,255,255,.55)}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.testi-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:var(--r-lg);padding:28px 24px;transition:background .3s}
.testi-card:hover{background:rgba(255,201,9,.05);border-color:rgba(255,201,9,.2)}
.stars{color:var(--gold);font-size:14px;letter-spacing:2px;margin-bottom:14px}
.testi-txt{font-size:13.5px;color:rgba(255,255,255,.75);line-height:1.7;margin-bottom:20px;font-style:italic}
.testi-author{display:flex;align-items:center;gap:10px}
.t-avatar{width:40px;height:40px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:var(--black);flex-shrink:0}
.t-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#fff}
.t-type{font-size:11px;color:rgba(255,255,255,.4)}

/* ── Rates Table ── */
.rates-table-wrap{overflow-x:auto;border-radius:var(--r-lg);box-shadow:var(--shadow-lg)}
.rates-table{width:100%;border-collapse:collapse;font-size:14px}
.rates-table thead{background:var(--black)}
.rates-table thead th{padding:16px 20px;text-align:left;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.5px}
.rates-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}
.rates-table tbody tr:hover{background:rgba(255,201,9,.04)}
.rates-table tbody tr:last-child{border-bottom:none}
.rates-table tbody td{padding:14px 20px;color:var(--text)}
.rate-val{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:800;color:var(--gold-dark)}
.tag{display:inline-block;padding:3px 9px;border-radius:var(--r-pill);font-size:10.5px;font-weight:700;font-family:'Montserrat',sans-serif;text-transform:uppercase}
.tag-fixed{background:rgba(0,87,163,.1);color:#0057a3}
.tag-var{background:rgba(214,47,47,.1);color:#d62f2f}
.tag-priv{background:rgba(74,74,74,.1);color:var(--charcoal)}

/* ── Calculator ── */
.calc-section{background:var(--light-gray)}
.calc-card{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden}
.calc-tabs{display:flex;border-bottom:1px solid var(--border)}
.calc-tab{flex:1;padding:16px;background:none;border:none;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;cursor:pointer;border-bottom:3px solid transparent;color:var(--charcoal);transition:all .2s}
.calc-tab.active{color:var(--gold-dark);border-bottom-color:var(--gold);background:rgba(255,201,9,.03)}
.calc-body{padding:36px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:36px}
.result-box{background:var(--dark-bg);border-radius:var(--r-lg);padding:28px;color:#fff}
.result-main-lbl{font-size:11px;color:rgba(255,255,255,.45);font-family:'Montserrat',sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-bottom:6px}
.result-main-val{font-family:'Montserrat',sans-serif;font-size:42px;font-weight:800;color:var(--gold);margin-bottom:20px}
.result-rows{display:flex;flex-direction:column;gap:10px}
.result-row{display:flex;justify-content:space-between;font-size:13px;border-bottom:1px solid rgba(255,255,255,.07);padding-bottom:10px}
.result-row:last-child{border:none;padding:0}
.result-row .lbl{color:rgba(255,255,255,.5)}
.result-row .val{font-weight:700;color:#fff}
.calc-note{font-size:11px;color:var(--text-muted);margin-top:12px;font-style:italic}

/* ── Partners ── */
.partners-section{padding:56px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:#fafafa}
.partners-hdr{text-align:center;margin-bottom:32px}
.partners-hdr .partners-lbl{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:2.5px;color:#999}
.partners-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:16px}
.partner-logo{flex-shrink:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;padding:18px 22px;min-width:120px;background:#fff;border:1.5px solid var(--border);border-radius:14px;transition:all .25s;cursor:default}
.partner-logo img{height:36px;width:auto;max-width:100px;object-fit:contain;filter:grayscale(1);opacity:.7;transition:all .25s}
.partner-logo span{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#888;transition:color .25s}
.partner-logo:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(255,201,9,.15);transform:translateY(-2px)}
.partner-logo:hover img{filter:grayscale(0);opacity:1}
.partner-logo:hover span{color:var(--text)}
.partner-more{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#999;display:flex;align-items:center;justify-content:center;padding:18px 22px;min-width:100px;background:#fff;border:1.5px dashed var(--border);border-radius:14px}

/* ── FAQ ── */
.faq-list{max-width:760px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;background:none;border:none;padding:20px 0;text-align:left;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:14px;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:var(--text);transition:color .2s}
.faq-q:hover{color:var(--gold-dark)}
.faq-ico{width:26px;height:26px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s;font-size:17px;font-weight:700;color:var(--black);line-height:1}
.faq-item.open .faq-ico{transform:rotate(45deg)}
.faq-a{font-size:14.5px;color:var(--text-muted);max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s;line-height:1.7}
.faq-item.open .faq-a{max-height:400px;padding-bottom:20px}

/* ── CTA ── */
.cta-section{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%);padding:72px 0;text-align:center}
.cta-section h2{font-size:40px;font-weight:800;color:var(--black);margin-bottom:10px}
.cta-section p{font-size:17px;color:rgba(0,0,0,.6);margin-bottom:32px;max-width:520px;margin-left:auto;margin-right:auto}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ── Footer ── */
.footer{background:#080808;padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;padding-bottom:44px}
.footer-brand p{font-size:13.5px;line-height:1.7;color:rgba(255,255,255,.45);margin-bottom:16px}
.footer-brand img{height:40px;margin-bottom:14px}
.footer-lic{font-size:11px;color:rgba(255,255,255,.25);margin-top:4px}
.footer-socials{display:flex;gap:10px;margin-top:16px}
.soc-btn{width:34px;height:34px;background:rgba(255,255,255,.07);border-radius:7px;display:flex;align-items:center;justify-content:center;transition:background .2s;color:rgba(255,255,255,.55);font-size:13px}
.soc-btn:hover{background:var(--gold);color:var(--black)}
.footer-col h5{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:1px;margin-bottom:18px}
.footer-col li{margin-bottom:9px}
.footer-col a{font-size:13.5px;color:rgba(255,255,255,.45);transition:color .2s}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding:22px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:12px;color:rgba(255,255,255,.25)}
.footer-bottom a{font-size:12px;color:rgba(255,255,255,.25)}
.footer-bottom a:hover{color:var(--gold)}
.footer-links{display:flex;gap:18px}

/* ── Page Hero ── */
.page-hero{background:linear-gradient(150deg,#080808 0%,#1c1c1c 100%);padding:64px 0 56px;position:relative}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light))}
.page-hero .eyebrow{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.page-hero h1{font-size:40px;color:#fff;font-weight:800;margin-bottom:10px}
.page-hero h1 span{color:var(--gold)}
.page-hero p{font-size:16px;color:rgba(255,255,255,.6);max-width:580px;line-height:1.7}

/* ── Pre-Screening ── */
.progress-bar{background:var(--light-gray);padding:24px 0;border-bottom:1px solid var(--border);position:sticky;top:68px;z-index:100}
.progress-steps{display:flex;align-items:center;justify-content:center}
.ps-step{display:flex;align-items:center;gap:8px}
.ps-dot{width:34px;height:34px;border-radius:50%;background:var(--border);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--charcoal);transition:all .3s;flex-shrink:0}
.ps-dot.active{background:var(--gold);border-color:var(--gold);color:var(--black)}
.ps-dot.done{background:#22c55e;border-color:#22c55e;color:#fff}
.ps-lbl{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;color:var(--charcoal)}
.ps-lbl.active{color:var(--gold-dark)}
.ps-conn{width:48px;height:2px;background:var(--border);margin:0 4px;flex-shrink:0}
.ps-conn.done{background:#22c55e}
.screening-body{padding:52px 0 72px}
.screening-wrap{max-width:720px;margin:0 auto}
.step-panel{display:none}
.step-panel.active{display:block;animation:fadeUp .3s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.step-title{font-size:26px;font-weight:800;margin-bottom:6px}
.step-sub{font-size:14px;color:var(--text-muted);margin-bottom:36px}
.form-section{background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);padding:28px 32px;margin-bottom:20px;box-shadow:var(--shadow)}
.form-section-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--border)}
.fg-grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.radio-group{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.radio-opt{display:flex;align-items:center;gap:7px;cursor:pointer;font-size:13.5px;font-weight:600}
.radio-opt input[type="radio"]{accent-color:var(--gold);width:16px;height:16px}
.check-opt{display:flex;align-items:flex-start;gap:8px;cursor:pointer;font-size:13px;color:var(--text-muted);line-height:1.55}
.check-opt input[type="checkbox"]{accent-color:var(--gold);width:15px;height:15px;margin-top:2px;flex-shrink:0}

/* Loan type cards */
.loan-type-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:28px}
.loan-type-card{border:2px solid var(--border);border-radius:var(--r-lg);padding:20px 18px;cursor:pointer;transition:all .2s;display:flex;align-items:flex-start;gap:14px}
.loan-type-card:hover{border-color:var(--gold);background:rgba(255,201,9,.03)}
.loan-type-card.selected{border-color:var(--gold);background:rgba(255,201,9,.07)}
.ltc-icon{font-size:28px;flex-shrink:0}
.ltc-text h4{font-size:14px;font-weight:700;margin-bottom:2px}
.ltc-text p{font-size:12px;color:var(--text-muted)}

/* Dynamic fields */
.dynamic-fields{display:none}
.dynamic-fields.active{display:block;animation:fadeUp .3s ease}

.step-nav{display:flex;align-items:center;justify-content:space-between;margin-top:28px;padding-top:20px;border-top:1px solid var(--border)}
.file-drop{border:2px dashed var(--border);border-radius:var(--r-lg);padding:44px;text-align:center;cursor:pointer;transition:all .2s}
.file-drop:hover{border-color:var(--gold);background:rgba(255,201,9,.03)}
.file-drop .drop-icon{font-size:44px;margin-bottom:10px}
.file-drop p{font-size:14px;color:var(--text-muted)}
.file-drop .hint{font-size:11.5px;color:var(--border);margin-top:6px}
.credit-link-box{background:rgba(255,201,9,.08);border:1.5px solid var(--gold);border-radius:var(--r-lg);padding:20px 24px;margin-bottom:16px;display:flex;align-items:center;gap:16px}
.credit-link-box .icon{font-size:32px;flex-shrink:0}
.credit-link-box a{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--gold-dark)}
.success-panel{text-align:center;padding:64px 32px;background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-lg)}
.success-icon{font-size:72px;margin-bottom:20px}
.success-panel h2{font-size:28px;font-weight:800;margin-bottom:10px}
.success-panel p{font-size:16px;color:var(--text-muted);max-width:440px;margin:0 auto 28px;line-height:1.7}
.next-steps{background:var(--light-gray);border-radius:var(--r-lg);padding:24px;margin:24px auto 32px;max-width:440px;text-align:left}
.next-step-item{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px;font-size:13.5px;line-height:1.55}
.next-step-item:last-child{margin-bottom:0}
.ns-num{width:24px;height:24px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;color:var(--black);flex-shrink:0;margin-top:1px}

/* ── Calendar ── */
.calendar-layout{display:grid;grid-template-columns:1fr 360px;gap:36px;padding:52px 0 72px;align-items:start}
.cal-section-title{font-size:18px;font-weight:700;margin-bottom:18px;display:flex;align-items:center;gap:9px}
.cal-section-title .num{width:26px;height:26px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;color:var(--black)}
.service-pick-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:36px}
.svc-pick-card{border:2px solid var(--border);border-radius:var(--r);padding:14px 16px;cursor:pointer;display:flex;align-items:center;gap:10px;transition:all .2s}
.svc-pick-card:hover{border-color:var(--gold)}
.svc-pick-card.selected{border-color:var(--gold);background:rgba(255,201,9,.06)}
.svc-pick-card .icon{font-size:20px}
.svc-pick-card .lbl{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700}
.cal-widget{background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);margin-bottom:28px}
.cal-hdr{background:var(--black);padding:18px 22px;display:flex;align-items:center;justify-content:space-between;color:#fff}
.cal-nav{width:34px;height:34px;background:rgba(255,255,255,.1);border:none;border-radius:7px;cursor:pointer;color:#fff;font-size:18px;display:flex;align-items:center;justify-content:center;transition:background .2s}
.cal-nav:hover{background:var(--gold);color:var(--black)}
.cal-month{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:700}
.cal-grid{padding:14px}
.cal-weekdays{display:grid;grid-template-columns:repeat(7,1fr);gap:3px;margin-bottom:6px}
.cal-wday{text-align:center;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--charcoal);text-transform:uppercase;padding:5px 0}
.cal-days{display:grid;grid-template-columns:repeat(7,1fr);gap:3px}
.cal-day{aspect-ratio:1;display:flex;align-items:center;justify-content:center;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;transition:all .15s;border:1.5px solid transparent;position:relative}
.cal-day:not(.empty):not(.past):hover{background:rgba(255,201,9,.15);border-color:var(--gold)}
.cal-day.selected{background:var(--gold);color:var(--black);font-weight:800}
.cal-day.today{border-color:var(--gold-dark);color:var(--gold-dark)}
.cal-day.past,.cal-day.empty{color:#ccc;cursor:default}
.cal-day.past:hover,.cal-day.empty:hover{background:none;border-color:transparent}
.slots-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:32px}
.time-slot{padding:11px 7px;border:1.5px solid var(--border);border-radius:var(--r);text-align:center;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all .15s}
.time-slot:hover{border-color:var(--gold);background:rgba(255,201,9,.08)}
.time-slot.selected{background:var(--gold);border-color:var(--gold);color:var(--black)}
.time-slot.na{background:var(--light-gray);color:#bbb;cursor:default;border-color:var(--border)}
.time-slot.na:hover{background:var(--light-gray);border-color:var(--border)}
.booking-panel{background:#fff;border:1.5px solid var(--border);border-radius:var(--r-lg);padding:28px;position:sticky;top:130px;box-shadow:var(--shadow-lg)}
.booking-summary{background:var(--light-gray);border-radius:var(--r);padding:18px;margin-bottom:20px}
.bsum-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--charcoal);margin-bottom:12px}
.bsum-item{display:flex;align-items:center;gap:8px;font-size:13px;margin-bottom:8px}
.bsum-item:last-child{margin:0}
.bsum-item .dot{width:7px;height:7px;background:var(--gold);border-radius:50%;flex-shrink:0}
.bsum-item .bval{font-weight:600;color:var(--text)}
.bsum-item .blbl{color:var(--text-muted)}
.empty-state{text-align:center;padding:20px 0;color:var(--text-muted);font-size:13px}
.empty-state .eicon{font-size:36px;margin-bottom:8px;opacity:.3}

/* ── Mobile Nav Overlay ── */
.mobile-nav{display:none;position:fixed;top:68px;left:0;right:0;bottom:0;background:var(--nav-bg);z-index:999;padding:20px;flex-direction:column;gap:4px;overflow-y:auto}
.mobile-nav.open{display:flex}
.mobile-nav a{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:600;color:rgba(255,255,255,.8);padding:13px 14px;border-radius:var(--r);border-bottom:1px solid rgba(255,255,255,.05)}
.mobile-nav a:hover{color:var(--gold);background:rgba(255,201,9,.07)}

/* ── Responsive ── */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr}
  .hero h1{font-size:40px}
  .form-card{max-width:600px}
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .steps-grid{grid-template-columns:repeat(3,1fr)}
  .steps-grid::before{display:none}
  .why-grid{grid-template-columns:1fr}
  .testi-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .calendar-layout{grid-template-columns:1fr}
  .booking-panel{position:static}
  .nav-phone{display:none}
}
@media(max-width:768px){
  .nav-links{display:none}
  .nav-toggle{display:flex}
  .btn-agent-portal{display:none}
  .hero h1{font-size:32px}
  .services-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .steps-grid{grid-template-columns:repeat(2,1fr)}
  .testi-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr}
  .sec-hdr h2{font-size:28px}
  .ps-lbl{display:none}
  .ps-conn{width:28px}
  .loan-type-grid{grid-template-columns:1fr}
  .fg-grid2,.fg-grid3,.form-row{grid-template-columns:1fr}
  .slots-grid{grid-template-columns:repeat(3,1fr)}
  .service-pick-grid{grid-template-columns:1fr}
  .nav-phone{display:none}
}

/* ── Service page light sections ── */
/* .section is only used for white content areas (not hero/stats/footer which use their own classes) */
.section{background:#fff}
.section.alt{background:#f7f7f7 !important}
/* Override ANY inline white/rgba text color inside content sections */
.section *[style*="rgba(255,255,255"]{color:#555 !important}
/* Cards: override dark inline backgrounds */
.section *[style*="rgba(255,255,255,.0"]{background:#fff !important;border:1px solid #e8e8e8 !important}
/* Make sure headings stay dark */
.section h1,.section h2,.section h3,.section h4{color:var(--text)}
/* Step text */
.section .step-item h4{color:var(--text)}
.section .step-item p{color:var(--text-muted)}
/* Rates table in service pages */
.section .rates-table tbody td{color:var(--text)}
.section .rates-table tbody tr{border-color:var(--border)}

/* ── Nav Dropdown ── */
.nav-dropdown{position:relative}
.nav-dropdown > a{display:flex;align-items:center;gap:4px}
.nav-dropdown > a::after{content:'▾';font-size:9px;opacity:.6;transition:transform .2s}
.nav-dropdown.open > a::after,.nav-dropdown:hover > a::after{transform:rotate(180deg)}
/* Bridge pseudo-element fills gap so hover isn't lost moving cursor into menu */
.nav-dropdown::after{content:'';position:absolute;left:0;right:0;height:16px;top:100%}
.dropdown-menu{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(-6px);background:#111;border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:8px;min-width:230px;box-shadow:0 20px 60px rgba(0,0,0,.7);opacity:0;pointer-events:none;transition:opacity .18s,transform .18s;z-index:200}
.nav-dropdown.open .dropdown-menu,.nav-dropdown:hover .dropdown-menu{opacity:1;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.dropdown-item{display:flex;align-items:center;gap:10px;padding:11px 16px;border-radius:10px;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:600;color:rgba(255,255,255,.8);transition:all .15s;white-space:nowrap;cursor:pointer}
.d-ico-img{width:22px;height:22px;object-fit:contain;flex-shrink:0;filter:brightness(0.85)}
.dropdown-item:hover .d-ico-img{filter:brightness(1) saturate(1.2)}
.dropdown-item:hover{background:rgba(255,201,9,.15);color:var(--gold);box-shadow:inset 0 0 0 1px rgba(255,201,9,.2);transform:translateX(2px)}
.dropdown-divider{display:none}
.nav-links .btn-nav-gold{background:var(--gold);color:#000 !important;padding:6px 14px;border-radius:var(--r-pill);font-size:11.5px;font-weight:800}
.nav-links .btn-nav-gold:hover{background:var(--gold-dark);color:#000 !important}
.nav-links .nav-highlight{color:var(--gold) !important}
@media(max-width:768px){.dropdown-menu{display:none}}