/*
Theme Name: HMM NWC
Theme URI: https://hackmymortgage.com
Author: New Wave Creative
Author URI: https://newwavecreative.io
Description: Premium fintech WordPress theme for the Hack My Mortgage HELOC calculator tool. Features a multi-step mortgage calculator, AI chat integration, user dashboards, and HighLevel webhook support.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 8.0
License: Proprietary
License URI: https://newwavecreative.io
Text Domain: hack-my-mortgage
Tags: fintech, calculator, heloc, mortgage, custom-theme
*/

/* ============================================================
   DESIGN SYSTEM — Hack My Mortgage
   Font: Inter (Google Fonts, weights 300–900)
   Primary: #2563EB | Background: #F8FAFC | Dark: #0F172A
   ============================================================ */

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  background: #F8FAFC;
  color: #0F172A;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, video {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  border: none;
  background: none;
}

input, textarea, select {
  font-family: 'Inter', sans-serif;
}

/* --- Color Variables --- */
:root {
  --blue-50:  #EFF6FF;
  --blue-100: #DBEAFE;
  --blue-600: #2563EB;
  --blue-700: #1D4ED8;
  --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;
  --indigo-50:  #EEF2FF;
  --indigo-100: #E0E7FF;
  --indigo-600: #4F46E5;
  --green-50:  #F0FDF4;
  --green-200: #BBF7D0;
  --green-500: #22C55E;
  --green-600: #16A34A;
  --amber-50:  #FFFBEB;
  --amber-200: #FDE68A;
  --amber-400: #FBBF24;
  --amber-900: #78350F;
  --red-50:  #FEF2F2;
  --red-500: #EF4444;
  --red-600: #DC2626;
  --white:   #FFFFFF;
}

/* ============================================================
   LAYOUT
   ============================================================ */

.page-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.container-xl { max-width: 80rem; margin: 0 auto; padding: 0 1.5rem; }
.container-lg { max-width: 72rem; margin: 0 auto; padding: 0 1.5rem; }
.container-md { max-width: 64rem; margin: 0 auto; padding: 0 1.5rem; }
.container-sm { max-width: 48rem; margin: 0 auto; padding: 0 1.5rem; }

.section-pad    { padding: 5rem 1.5rem; }
.section-pad-lg { padding: 8rem 1.5rem; }

.flex-1 { flex: 1; }

.grid-12 { display: grid; grid-template-columns: repeat(12, 1fr); gap: 1.5rem; }
.col-5  { grid-column: span 5; }
.col-7  { grid-column: span 7; }
.col-8  { grid-column: span 8; }
.col-4  { grid-column: span 4; }

/* ============================================================
   HEADER / NAV
   ============================================================ */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid #E2E8F0;
  height: 5rem;
}

.header-inner {
  max-width: 80rem;
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.header-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  flex-shrink: 0;
}

.header-logo-text {
  font-size: 1.0625rem;
  font-weight: 900;
  color: #0F172A;
  letter-spacing: -0.01em;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* Mobile nav toggle */
.mobile-nav-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.5rem;
  background: transparent;
  border: 1px solid #E2E8F0;
  color: #475569;
  transition: background 0.15s;
}
.mobile-nav-toggle:hover { background: #F1F5F9; }
.mobile-nav-toggle svg { width: 1.25rem; height: 1.25rem; }

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  top: 5rem;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 49;
  padding: 1.5rem;
  flex-direction: column;
  gap: 0.5rem;
  border-top: 1px solid #E2E8F0;
}
.mobile-nav.is-open { display: flex; }

.mobile-nav a {
  display: block;
  padding: 0.875rem 1rem;
  border-radius: 0.75rem;
  font-size: 1rem;
  font-weight: 600;
  color: #334155;
  transition: background 0.15s;
}
.mobile-nav a:hover,
.mobile-nav a.active { background: #EFF6FF; color: #2563EB; }

/* ============================================================
   LOGO MARK
   ============================================================ */

.logo-mark {
  width: 2rem;
  height: 2rem;
  background: #2563EB;
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  color: #FFFFFF;
  font-size: 1.125rem;
  font-style: normal;
  flex-shrink: 0;
}

.logo-mark em,
.logo-mark-lg em {
  font-style: normal;
  display: inline-block;
  transform: skewX(-10deg);
  line-height: 1;
}

.logo-mark-lg {
  width: 4rem;
  height: 4rem;
  background: #2563EB;
  border-radius: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  color: #FFFFFF;
  font-size: 1.875rem;
  font-style: normal;
  box-shadow: 0 20px 25px -5px rgba(37, 99, 235, 0.3);
  flex-shrink: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: #2563EB;
  color: #FFFFFF;
  padding: 0.75rem 2.5rem;
  border-radius: 0.75rem;
  font-weight: 900;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  box-shadow: 0 10px 15px -3px rgba(37, 99, 235, 0.2);
  transition: all 0.15s ease;
  cursor: pointer;
  border: none;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-primary:hover {
  background: #1D4ED8;
  transform: scale(1.02);
  color: #FFFFFF;
}

.btn-primary-lg {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: #2563EB;
  color: #FFFFFF;
  padding: 1.25rem 2rem;
  border-radius: 1rem;
  font-weight: 900;
  font-size: 1.125rem;
  width: 100%;
  box-shadow: 0 25px 50px -12px rgba(37, 99, 235, 0.25);
  transition: all 0.15s ease;
  cursor: pointer;
  border: none;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-primary-lg:hover {
  background: #1D4ED8;
  transform: scale(1.02);
  color: #FFFFFF;
}

.btn-dark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: #0F172A;
  color: #FFFFFF;
  padding: 0.625rem 1.25rem;
  border-radius: 0.75rem;
  font-weight: 700;
  font-size: 0.875rem;
  transition: background 0.15s ease;
  cursor: pointer;
  border: none;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-dark:hover { background: #1E293B; color: #FFFFFF; }

.btn-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border: 2px solid #E2E8F0;
  color: #64748B;
  padding: 0.75rem 2rem;
  border-radius: 0.75rem;
  font-weight: 700;
  font-size: 0.875rem;
  background: transparent;
  transition: all 0.15s ease;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-outline:hover {
  background: #F8FAFC;
  border-color: #CBD5E1;
  color: #64748B;
}

.btn-success {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: #16A34A;
  color: #FFFFFF;
  padding: 1rem 3rem;
  border-radius: 0.75rem;
  font-weight: 900;
  font-size: 1rem;
  box-shadow: 0 20px 25px -5px rgba(22, 163, 74, 0.25);
  transition: all 0.15s ease;
  cursor: pointer;
  border: none;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-success:hover { background: #15803D; color: #FFFFFF; }

.btn-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: #2563EB;
  color: #FFFFFF;
  padding: 0.875rem 2.5rem;
  border-radius: 9999px;
  font-weight: 900;
  font-size: 1rem;
  box-shadow: 0 10px 15px -3px rgba(37, 99, 235, 0.25);
  transition: all 0.15s ease;
  cursor: pointer;
  border: none;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-pill:hover { background: #1D4ED8; transform: scale(1.02); color: #FFFFFF; }

.btn-ghost-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border: 2px solid rgba(255,255,255,0.3);
  color: #FFFFFF;
  padding: 0.75rem 2rem;
  border-radius: 0.75rem;
  font-weight: 700;
  font-size: 0.875rem;
  background: transparent;
  transition: all 0.15s ease;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
}
.btn-ghost-white:hover { background: rgba(255,255,255,0.1); color: #FFFFFF; }

/* Nav pills */
.nav-pill {
  display: inline-flex;
  align-items: center;
  color: #475569;
  padding: 0.5rem 1rem;
  border-radius: 9999px;
  font-size: 0.875rem;
  font-weight: 700;
  transition: background 0.15s ease;
  text-decoration: none;
  white-space: nowrap;
}
.nav-pill:hover { background: #F1F5F9; color: #475569; }
.nav-pill.active {
  background: #2563EB;
  color: #FFFFFF;
  box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1);
}

/* ============================================================
   BADGES / TAGS
   ============================================================ */

.badge-primary {
  display: inline-flex;
  align-items: center;
  background: #2563EB;
  color: #FFFFFF;
  font-size: 0.5625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
  box-shadow: 0 10px 15px -3px rgba(37, 99, 235, 0.2);
}

.badge-category {
  display: inline-flex;
  align-items: center;
  background: #EFF6FF;
  border: 1px solid #DBEAFE;
  color: #1D4ED8;
  font-size: 0.75rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  padding: 0.375rem 1rem;
  border-radius: 9999px;
}

.badge-success-pill {
  display: inline-flex;
  align-items: center;
  background: #22C55E;
  color: #FFFFFF;
  font-weight: 900;
  font-size: 0.875rem;
  padding: 1rem 2.5rem;
  border-radius: 9999px;
  border: 4px solid #FFFFFF;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  transform: rotate(6deg);
}

.badge-pulse {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #EFF6FF;
  border: 1px solid #DBEAFE;
  color: #1D4ED8;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.375rem 1rem;
  border-radius: 9999px;
}
.badge-pulse-dot {
  width: 0.5rem;
  height: 0.5rem;
  border-radius: 50%;
  background: #2563EB;
  animation: pulse 2s cubic-bezier(0.4, 0, 0.6, 1) infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

/* ============================================================
   CARDS
   ============================================================ */

.card {
  background: #FFFFFF;
  border-radius: 2.5rem;
  border: 1px solid #E2E8F0;
  box-shadow: 0 1px 2px 0 rgba(0,0,0,0.05);
  padding: 2rem;
  transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.card:hover {
  box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1);
  border-color: #BFDBFE;
}

.card-highlight {
  background: #EFF6FF;
  border: 2px solid #BFDBFE;
  border-radius: 1.5rem;
  box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1), 0 0 0 4px rgba(37,99,235,0.08);
  padding: 1.5rem 2rem;
  transform: scale(1.05);
  z-index: 10;
  position: relative;
}

.card-dark {
  background: #0F172A;
  border-radius: 2.5rem;
  padding: 2rem 2.5rem;
  color: #FFFFFF;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  position: relative;
  overflow: hidden;
}

.card-stat {
  background: #F8FAFC;
  border-radius: 0.75rem;
  border: 1px solid #F1F5F9;
  padding: 1rem;
}

.card-hero {
  background: #FFFFFF;
  border-radius: 4rem;
  border: 4px solid #0F172A;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  overflow: hidden;
  transition: all 0.5s ease;
}
.card-hero:hover {
  border-color: #2563EB;
  transform: scale(1.01);
}

/* ============================================================
   FORM INPUTS
   ============================================================ */

.input-standard {
  width: 100%;
  padding: 0.5rem 1rem;
  background: #FFFFFF;
  color: #0F172A;
  border: 1px solid #CBD5E1;
  border-radius: 0.5rem;
  outline: none;
  transition: all 0.15s ease;
  font-family: 'Inter', sans-serif;
  font-size: 0.875rem;
}
.input-standard:focus {
  box-shadow: 0 0 0 2px #3B82F6;
  border-color: #3B82F6;
}
.input-standard::placeholder { color: #94A3B8; }

.input-modal {
  width: 100%;
  padding: 1rem 1.25rem;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 1rem;
  outline: none;
  font-size: 0.875rem;
  transition: all 0.15s ease;
  font-family: 'Inter', sans-serif;
  color: #0F172A;
}
.input-modal:focus {
  box-shadow: 0 0 0 4px rgba(59,130,246,0.1);
  border-color: #3B82F6;
}
.input-modal::placeholder { color: #94A3B8; }

.input-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  color: #475569;
  margin-bottom: 0.375rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.input-prefix-wrap {
  position: relative;
}
.input-prefix {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: #94A3B8;
  font-weight: 600;
  font-size: 0.875rem;
  pointer-events: none;
}
.input-prefix-wrap .input-standard,
.input-prefix-wrap .input-modal {
  padding-left: 1.75rem;
}

.input-suffix-wrap {
  position: relative;
}
.input-suffix {
  position: absolute;
  right: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: #94A3B8;
  font-weight: 600;
  font-size: 0.875rem;
  pointer-events: none;
}

/* ============================================================
   MODAL
   ============================================================ */

.modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
}
.modal-overlay.is-open {
  opacity: 1;
  pointer-events: all;
}

.modal-box {
  background: #FFFFFF;
  border-radius: 3.5rem;
  padding: 2.5rem;
  max-width: 32rem;
  width: 100%;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  border: 1px solid rgba(255,255,255,0.2);
  position: relative;
  transform: translateY(20px);
  transition: transform 0.25s ease;
}
.modal-overlay.is-open .modal-box { transform: translateY(0); }

.modal-close {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: #F1F5F9;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #64748B;
  transition: background 0.15s;
}
.modal-close:hover { background: #E2E8F0; color: #0F172A; }

/* ============================================================
   PROGRESS STEPS (Calculator)
   ============================================================ */

.steps-bar {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 2rem;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
}

.step-circle {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
  background: #F1F5F9;
  color: #94A3B8;
  position: relative;
  z-index: 1;
  transition: all 0.2s ease;
}
.step-circle.active {
  background: #2563EB;
  color: #FFFFFF;
  transform: scale(1.1);
  box-shadow: 0 10px 15px -3px rgba(37, 99, 235, 0.2);
}
.step-circle.done {
  background: #22C55E;
  color: #FFFFFF;
}

.step-label {
  font-size: 0.625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94A3B8;
  margin-top: 0.375rem;
  text-align: center;
  white-space: nowrap;
}
.step-label.active { color: #2563EB; }
.step-label.done { color: #22C55E; }

.step-connector {
  flex: 1;
  height: 4px;
  border-radius: 9999px;
  background: #F1F5F9;
  margin-top: -1.375rem;
  transition: background 0.2s ease;
}
.step-connector.done { background: #2563EB; }

/* ============================================================
   GLOW / DECORATIVE
   ============================================================ */

.glow-blue {
  position: absolute;
  width: 24rem;
  height: 24rem;
  background: rgba(37, 99, 235, 0.1);
  border-radius: 50%;
  filter: blur(120px);
  pointer-events: none;
}
.glow-blue-sm {
  position: absolute;
  width: 12rem;
  height: 12rem;
  background: rgba(37, 99, 235, 0.15);
  border-radius: 50%;
  filter: blur(60px);
  pointer-events: none;
}

.image-overlay-bottom {
  background: linear-gradient(to top, rgba(15, 23, 42, 0.6), transparent);
}
.image-overlay-top-right {
  background: linear-gradient(to bottom right, rgba(30, 58, 138, 0.8), transparent);
}

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: #F8FAFC;
  border-top: 1px solid #E2E8F0;
  padding: 5rem 1.5rem;
}
.footer-inner {
  max-width: 80rem;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2rem;
  text-align: center;
}
@media (min-width: 768px) {
  .footer-inner {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
    text-align: left;
  }
}
.footer-links {
  display: flex;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
  justify-content: center;
}
.footer-links a {
  font-size: 0.625rem;
  font-weight: 900;
  color: #64748B;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  transition: color 0.15s;
}
.footer-links a:hover { color: #2563EB; }
.footer-copy {
  font-size: 0.8125rem;
  font-weight: 700;
  color: #94A3B8;
}

/* ============================================================
   HERO SECTION
   ============================================================ */

.hero-section {
  padding: 5rem 1.5rem 6rem;
  position: relative;
  overflow: hidden;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}
.hero-h1 {
  font-size: clamp(3rem, 8vw, 6rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  line-height: 1.05;
  color: #0F172A;
  margin-bottom: 1.5rem;
}
.hero-h1 em {
  font-style: italic;
  color: #2563EB;
}
.hero-lead {
  font-size: 1.25rem;
  font-weight: 500;
  color: #64748B;
  line-height: 1.6;
  max-width: 42rem;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 2.5rem;
}
.hero-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.hero-eyebrow {
  justify-content: center;
}

/* ============================================================
   WORKSHOP CARD (Homepage)
   ============================================================ */

.workshop-card {
  background: #FFFFFF;
  border-radius: 4rem;
  border: 4px solid #0F172A;
  overflow: hidden;
  display: grid;
  grid-template-columns: 5fr 7fr;
  min-height: 28rem;
  position: relative;
  transition: all 0.5s ease;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.15);
}
.workshop-card:hover {
  border-color: #2563EB;
  transform: scale(1.01);
}

.workshop-card-left {
  background: #0F172A;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 25rem;
}
.workshop-play-btn {
  width: 6rem;
  height: 6rem;
  border-radius: 50%;
  background: #2563EB;
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 25px 50px -12px rgba(37,99,235,0.4);
}
.workshop-play-btn:hover { background: #1D4ED8; transform: scale(1.1); }
.workshop-play-btn svg { width: 3rem; height: 3rem; color: #FFFFFF; margin-left: 4px; }

.workshop-badge-free {
  display: inline-flex;
  align-items: center;
  background: #22C55E;
  color: #FFFFFF;
  font-weight: 900;
  font-size: 1.25rem;
  padding: 1rem 2.5rem;
  border-radius: 9999px;
  border: 4px solid #FFFFFF;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  transform: rotate(6deg);
}

.workshop-card-right {
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 1.5rem;
}
.workshop-card-title {
  font-size: clamp(2.25rem, 4vw, 3rem);
  font-weight: 900;
  color: #0F172A;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 0.5rem;
}
.workshop-card-desc {
  font-size: 0.9375rem;
  color: #64748B;
  line-height: 1.6;
}

.workshop-cta-btn {
  width: 100%;
  padding: 1.5rem;
  background: #0F172A;
  color: #FFFFFF;
  border-radius: 2rem;
  font-weight: 900;
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.3s ease, color 0.3s ease;
  font-family: 'Inter', sans-serif;
  border: none;
}
.workshop-card:hover .workshop-cta-btn {
  background: #2563EB;
  color: #FFFFFF;
}

/* ============================================================
   RESPONSIVE GRIDS (How It Works + Stats Strip)
   ============================================================ */

.hiw-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.stats-strip-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.testimonial-card {
  background: #FFFFFF;
  border-radius: 1.5rem;
  padding: 1.75rem;
  border: 1px solid #E2E8F0;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.testimonial-stars {
  display: flex;
  gap: 0.25rem;
  color: #FBBF24;
  font-size: 1rem;
}
.testimonial-quote {
  font-size: 0.9375rem;
  color: #334155;
  line-height: 1.65;
  font-style: italic;
  flex: 1;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.testimonial-avatar {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 50%;
  background: linear-gradient(135deg, #2563EB, #4F46E5);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  font-weight: 900;
  font-size: 0.875rem;
  flex-shrink: 0;
}
.testimonial-name { font-weight: 700; font-size: 0.875rem; color: #0F172A; }
.testimonial-role { font-size: 0.75rem; color: #94A3B8; }

/* ============================================================
   DARK CTA SECTION
   ============================================================ */

.section-dark {
  background: #0F172A;
  position: relative;
  overflow: hidden;
}
.section-dark-inner {
  position: relative;
  z-index: 2;
}
.section-dark h2 {
  font-size: clamp(1.875rem, 4vw, 3rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  color: #FFFFFF;
}
.section-dark .lead {
  font-size: 1.125rem;
  color: #94A3B8;
  font-weight: 500;
}

/* ============================================================
   CALCULATOR PAGE
   ============================================================ */

.calc-wrapper {
  padding: 3rem 1.5rem 5rem;
}
.calc-header {
  text-align: center;
  margin-bottom: 2.5rem;
}
.calc-header h1 {
  font-size: clamp(1.875rem, 4vw, 2.5rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  color: #0F172A;
  margin-bottom: 0.75rem;
}
.calc-header p {
  font-size: 1rem;
  color: #64748B;
}

.calc-card {
  background: #FFFFFF;
  border-radius: 2.5rem;
  border: 1px solid #E2E8F0;
  box-shadow: 0 20px 40px -10px rgba(0,0,0,0.08);
  padding: 2.5rem;
  max-width: 44rem;
  margin: 0 auto;
}

.calc-step {
  display: none;
}
.calc-step.active {
  display: block;
}

.calc-step-title {
  font-size: 1.375rem;
  font-weight: 900;
  color: #0F172A;
  margin-bottom: 0.375rem;
}
.calc-step-sub {
  font-size: 0.9rem;
  color: #64748B;
  margin-bottom: 1.75rem;
}

.calc-fields-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.calc-fields-grid.single {
  grid-template-columns: 1fr;
}

.calc-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 2rem;
  gap: 1rem;
}

.disclaimer-box {
  background: #FFFBEB;
  border: 1px solid #FDE68A;
  border-radius: 1rem;
  padding: 1.25rem 1.5rem;
  margin-bottom: 1.5rem;
}
.disclaimer-box p {
  font-size: 0.8125rem;
  color: #78350F;
  line-height: 1.65;
}

.checkbox-wrap {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1rem;
}
.checkbox-wrap input[type="checkbox"] {
  width: 1.25rem;
  height: 1.25rem;
  border-radius: 0.25rem;
  border: 2px solid #CBD5E1;
  cursor: pointer;
  flex-shrink: 0;
  margin-top: 0.0625rem;
  accent-color: #2563EB;
}
.checkbox-label {
  font-size: 0.875rem;
  color: #475569;
  line-height: 1.5;
  cursor: pointer;
}

.select-standard {
  width: 100%;
  padding: 0.5rem 1rem;
  background: #FFFFFF;
  color: #0F172A;
  border: 1px solid #CBD5E1;
  border-radius: 0.5rem;
  outline: none;
  font-family: 'Inter', sans-serif;
  font-size: 0.875rem;
  cursor: pointer;
  appearance: none;
  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='%2394A3B8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  padding-right: 2.5rem;
}
.select-standard:focus { box-shadow: 0 0 0 2px #3B82F6; border-color: #3B82F6; }

/* ============================================================
   RESULTS PAGE
   ============================================================ */

.results-wrapper {
  padding: 3rem 1.5rem 6rem;
}
.results-header {
  text-align: center;
  margin-bottom: 3rem;
}
.results-header h1 {
  font-size: clamp(1.875rem, 4vw, 2.75rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  color: #0F172A;
  margin-bottom: 0.75rem;
}
.results-header p {
  font-size: 1rem;
  color: #64748B;
}

.results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: center;
  max-width: 62rem;
  margin: 0 auto 3rem;
}

/* Standard Mortgage Card — with red X overlay */
.result-card-standard {
  background: #FFFFFF;
  border-radius: 2rem;
  border: 2px solid #E2E8F0;
  padding: 2rem;
  position: relative;
  overflow: hidden;
  opacity: 0.8;
}
.result-card-standard::before,
.result-card-standard::after {
  content: '';
  position: absolute;
  background: rgba(220, 38, 38, 0.12);
  pointer-events: none;
}
/* Diagonal line 1: top-left to bottom-right */
.result-card-standard::before {
  width: 160%;
  height: 2px;
  top: 50%;
  left: -30%;
  transform: rotate(15deg);
  background: rgba(220, 38, 38, 0.25);
}
/* Diagonal line 2: top-right to bottom-left */
.result-card-standard::after {
  width: 160%;
  height: 2px;
  top: 50%;
  left: -30%;
  transform: rotate(-15deg);
  background: rgba(220, 38, 38, 0.25);
}
.result-card-standard .card-x-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}
.result-card-standard .card-x-overlay svg {
  width: 8rem;
  height: 8rem;
  color: #DC2626;
  opacity: 0.12;
}

.result-card-label {
  font-size: 0.625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: #94A3B8;
  margin-bottom: 0.75rem;
}
.result-card-name {
  font-size: 1.25rem;
  font-weight: 900;
  color: #0F172A;
  margin-bottom: 1.5rem;
}

.result-stat {
  margin-bottom: 1rem;
}
.result-stat-label {
  font-size: 0.6875rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #94A3B8;
  margin-bottom: 0.25rem;
}
.result-stat-value {
  font-size: 1.5rem;
  font-weight: 900;
  color: #0F172A;
  letter-spacing: -0.02em;
}
.result-stat-value.negative { color: #DC2626; }
.result-stat-value.positive { color: #16A34A; }

/* HELOC Result Card — featured */
.result-card-heloc {
  background: linear-gradient(135deg, #EFF6FF 0%, #DBEAFE 100%);
  border-radius: 2rem;
  border: 2px solid #93C5FD;
  padding: 2rem;
  position: relative;
  transform: scale(1.05);
  box-shadow: 0 25px 50px -12px rgba(37, 99, 235, 0.2), 0 0 0 4px rgba(37,99,235,0.08);
  z-index: 5;
}
.result-card-heloc .result-card-name { color: #1D4ED8; }
.result-card-heloc .result-stat-value { color: #1D4ED8; }
.result-card-heloc .result-stat-value.positive { color: #15803D; }

.result-card-best-badge {
  position: absolute;
  top: -1rem;
  left: 50%;
  transform: translateX(-50%);
  background: #2563EB;
  color: #FFFFFF;
  font-size: 0.625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  padding: 0.375rem 1.25rem;
  border-radius: 9999px;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
}

/* Savings Banner */
.savings-banner {
  background: linear-gradient(135deg, #F0FDF4 0%, #DCFCE7 100%);
  border: 2px solid #BBF7D0;
  border-radius: 2rem;
  padding: 2rem 2.5rem;
  text-align: center;
  max-width: 62rem;
  margin: 0 auto 3rem;
}
.savings-banner-label {
  font-size: 0.75rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: #16A34A;
  margin-bottom: 0.5rem;
}
.savings-banner-amount {
  font-size: clamp(2.5rem, 6vw, 4rem);
  font-weight: 900;
  color: #15803D;
  letter-spacing: -0.025em;
  line-height: 1;
  margin-bottom: 0.5rem;
}
.savings-banner-sub {
  font-size: 1rem;
  color: #16A34A;
  font-weight: 600;
}

/* Years Eliminated section */
.years-section {
  background: #0F172A;
  border-radius: 2.5rem;
  padding: 3rem 2.5rem;
  text-align: center;
  max-width: 62rem;
  margin: 0 auto 2rem;
  position: relative;
  overflow: hidden;
}
.years-section h2 {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 900;
  color: #FFFFFF;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}
.years-number {
  font-size: clamp(4rem, 10vw, 7rem);
  font-weight: 900;
  color: #2563EB;
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: 0.5rem;
}
.years-label {
  font-size: 1.25rem;
  font-weight: 600;
  color: #94A3B8;
}

.results-cta {
  text-align: center;
  padding: 2rem 0 1rem;
}

/* Amortization Table */
.amort-table-wrap {
  overflow-x: auto;
  border-radius: 1rem;
  border: 1px solid #E2E8F0;
}
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8125rem;
}
.amort-table th {
  background: #F1F5F9;
  padding: 0.75rem 1rem;
  text-align: right;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-size: 0.625rem;
  color: #64748B;
  white-space: nowrap;
}
.amort-table th:first-child { text-align: left; }
.amort-table td {
  padding: 0.625rem 1rem;
  text-align: right;
  color: #334155;
  border-top: 1px solid #F1F5F9;
}
.amort-table td:first-child { text-align: left; font-weight: 600; }
.amort-table tr:hover td { background: #F8FAFC; }

/* ============================================================
   DASHBOARD PAGE
   ============================================================ */

.dashboard-wrapper {
  padding: 3rem 1.5rem 5rem;
}
.dashboard-welcome {
  margin-bottom: 2.5rem;
}
.dashboard-welcome h1 {
  font-size: clamp(1.875rem, 4vw, 2.5rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  color: #0F172A;
  margin-bottom: 0.5rem;
}
.dashboard-welcome p {
  font-size: 1rem;
  color: #64748B;
}

.dashboard-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.simulation-card {
  background: #FFFFFF;
  border-radius: 2rem;
  border: 1px solid #E2E8F0;
  padding: 2rem;
  box-shadow: 0 1px 2px rgba(0,0,0,0.05);
}
.simulation-card h2 {
  font-size: 1.125rem;
  font-weight: 900;
  color: #0F172A;
  margin-bottom: 1.25rem;
}
.simulation-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.sim-stat {
  background: #F8FAFC;
  border-radius: 0.75rem;
  padding: 0.875rem;
  border: 1px solid #F1F5F9;
}
.sim-stat-label {
  font-size: 0.625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #94A3B8;
  margin-bottom: 0.25rem;
}
.sim-stat-value {
  font-size: 1.25rem;
  font-weight: 900;
  color: #0F172A;
  letter-spacing: -0.02em;
}

.ai-tip-card {
  background: #0F172A;
  border-radius: 2rem;
  padding: 1.75rem;
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  min-height: 16rem;
}
.ai-tip-card h3 {
  font-size: 0.875rem;
  font-weight: 900;
  color: #FFFFFF;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.ai-tip-card p {
  font-size: 0.9375rem;
  color: #94A3B8;
  line-height: 1.65;
  flex: 1;
}
.ai-tip-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  background: rgba(79, 70, 229, 0.2);
  border: 1px solid rgba(79, 70, 229, 0.3);
  color: #A5B4FC;
  font-size: 0.625rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.25rem 0.625rem;
  border-radius: 9999px;
  width: fit-content;
}

.dashboard-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ============================================================
   AI CHAT WIDGET
   ============================================================ */

.ai-chat-fab {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 200;
}
.ai-chat-fab-btn {
  width: 3.5rem;
  height: 3.5rem;
  border-radius: 50%;
  background: #2563EB;
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 25px -5px rgba(37, 99, 235, 0.4);
  transition: all 0.2s ease;
  cursor: pointer;
  border: none;
}
.ai-chat-fab-btn:hover { transform: scale(1.08); box-shadow: 0 15px 30px -5px rgba(37,99,235,0.5); }
.ai-chat-fab-btn svg { width: 1.375rem; height: 1.375rem; }

.ai-chat-window {
  position: fixed;
  bottom: 5.5rem;
  right: 1.5rem;
  z-index: 200;
  width: 22rem;
  max-height: 32rem;
  background: #FFFFFF;
  border-radius: 2rem;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.25);
  border: 1px solid #E2E8F0;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transform: scale(0.9) translateY(10px);
  opacity: 0;
  pointer-events: none;
  transition: all 0.25s ease;
  transform-origin: bottom right;
}
.ai-chat-window.is-open {
  transform: scale(1) translateY(0);
  opacity: 1;
  pointer-events: all;
}

.ai-chat-header {
  background: #0F172A;
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-shrink: 0;
}
.ai-chat-header-info {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}
.ai-chat-header-avatar {
  width: 2rem;
  height: 2rem;
  background: #2563EB;
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-style: italic;
  font-weight: 900;
  color: #FFFFFF;
  font-size: 0.875rem;
}
.ai-chat-header-name {
  font-size: 0.875rem;
  font-weight: 700;
  color: #FFFFFF;
}
.ai-chat-header-status {
  font-size: 0.6875rem;
  color: #22C55E;
  font-weight: 500;
}
.ai-chat-close {
  background: rgba(255,255,255,0.1);
  border: none;
  border-radius: 0.375rem;
  width: 1.75rem;
  height: 1.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: background 0.15s;
}
.ai-chat-close:hover { background: rgba(255,255,255,0.2); }
.ai-chat-close svg { width: 1rem; height: 1rem; }

.ai-chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  scroll-behavior: smooth;
}
.ai-chat-messages::-webkit-scrollbar { width: 4px; }
.ai-chat-messages::-webkit-scrollbar-thumb { background: #E2E8F0; border-radius: 2px; }

.ai-msg {
  max-width: 85%;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.ai-msg.user { align-self: flex-end; }
.ai-msg.assistant { align-self: flex-start; }

.ai-msg-bubble {
  padding: 0.625rem 0.875rem;
  border-radius: 1rem;
  font-size: 0.8125rem;
  line-height: 1.55;
}
.ai-msg.user .ai-msg-bubble {
  background: #2563EB;
  color: #FFFFFF;
  border-bottom-right-radius: 0.25rem;
}
.ai-msg.assistant .ai-msg-bubble {
  background: #F1F5F9;
  color: #0F172A;
  border-bottom-left-radius: 0.25rem;
}
.ai-msg-bubble p { margin: 0; }
.ai-msg-bubble p + p { margin-top: 0.375rem; }
.ai-msg-bubble strong { font-weight: 700; }

.ai-typing {
  display: flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.5rem 0.75rem;
  background: #F1F5F9;
  border-radius: 1rem;
  border-bottom-left-radius: 0.25rem;
  width: fit-content;
}
.ai-typing-dot {
  width: 0.375rem;
  height: 0.375rem;
  border-radius: 50%;
  background: #94A3B8;
  animation: typing-bounce 1.2s infinite;
}
.ai-typing-dot:nth-child(2) { animation-delay: 0.2s; }
.ai-typing-dot:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing-bounce {
  0%, 60%, 100% { transform: translateY(0); }
  30% { transform: translateY(-4px); }
}

.ai-chat-suggestions {
  padding: 0.5rem 1rem 0;
  display: flex;
  gap: 0.375rem;
  overflow-x: auto;
  scrollbar-width: none;
  flex-shrink: 0;
}
.ai-chat-suggestions::-webkit-scrollbar { display: none; }
.ai-suggestion-btn {
  white-space: nowrap;
  background: #EFF6FF;
  border: 1px solid #DBEAFE;
  color: #1D4ED8;
  font-size: 0.6875rem;
  font-weight: 700;
  padding: 0.375rem 0.75rem;
  border-radius: 9999px;
  cursor: pointer;
  transition: all 0.15s;
  font-family: 'Inter', sans-serif;
}
.ai-suggestion-btn:hover { background: #DBEAFE; }

.ai-chat-input-row {
  padding: 0.75rem 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  border-top: 1px solid #E2E8F0;
  flex-shrink: 0;
}
.ai-chat-input {
  flex: 1;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 0.75rem;
  padding: 0.5rem 0.875rem;
  font-size: 0.8125rem;
  font-family: 'Inter', sans-serif;
  color: #0F172A;
  outline: none;
  resize: none;
  max-height: 6rem;
  line-height: 1.4;
  transition: border-color 0.15s;
}
.ai-chat-input:focus { border-color: #3B82F6; }
.ai-chat-input::placeholder { color: #94A3B8; }
.ai-chat-send {
  width: 2.25rem;
  height: 2.25rem;
  background: #2563EB;
  border-radius: 0.625rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  cursor: pointer;
  border: none;
  transition: background 0.15s;
  flex-shrink: 0;
}
.ai-chat-send:hover { background: #1D4ED8; }
.ai-chat-send:disabled { background: #CBD5E1; cursor: not-allowed; }
.ai-chat-send svg { width: 1rem; height: 1rem; }

/* ============================================================
   AUTH MODAL
   ============================================================ */

.auth-modal-tabs {
  display: flex;
  background: #F1F5F9;
  border-radius: 0.75rem;
  padding: 0.25rem;
  margin-bottom: 1.75rem;
}
.auth-tab {
  flex: 1;
  padding: 0.625rem;
  border-radius: 0.5rem;
  font-size: 0.875rem;
  font-weight: 700;
  text-align: center;
  cursor: pointer;
  color: #64748B;
  transition: all 0.15s;
  font-family: 'Inter', sans-serif;
  border: none;
  background: transparent;
}
.auth-tab.active {
  background: #FFFFFF;
  color: #0F172A;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1);
}

.auth-form {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.auth-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.auth-error {
  background: #FEF2F2;
  border: 1px solid #FECACA;
  border-radius: 0.75rem;
  padding: 0.75rem 1rem;
  font-size: 0.8125rem;
  color: #DC2626;
  display: none;
}
.auth-error.show { display: block; }
.auth-success {
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  border-radius: 0.75rem;
  padding: 0.75rem 1rem;
  font-size: 0.8125rem;
  color: #15803D;
  display: none;
}
.auth-success.show { display: block; }

/* ============================================================
   UTILITY
   ============================================================ */

.text-center { text-align: center; }
.text-right  { text-align: right; }
.text-left   { text-align: left; }
.font-black  { font-weight: 900; }
.font-bold   { font-weight: 700; }
.font-medium { font-weight: 500; }
.text-blue   { color: #2563EB; }
.text-green  { color: #16A34A; }
.text-red    { color: #DC2626; }
.text-slate  { color: #64748B; }
.text-muted  { color: #94A3B8; }
.text-white  { color: #FFFFFF; }
.text-dark   { color: #0F172A; }
.text-sm     { font-size: 0.875rem; }
.text-xs     { font-size: 0.75rem; }
.text-lg     { font-size: 1.125rem; }
.text-xl     { font-size: 1.25rem; }
.text-2xl    { font-size: 1.5rem; }
.text-3xl    { font-size: 1.875rem; }
.mt-1 { margin-top: 0.25rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mb-1 { margin-bottom: 0.25rem; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-6 { margin-bottom: 1.5rem; }
.w-full { width: 100%; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: 0.5rem; }
.gap-3 { gap: 0.75rem; }
.gap-4 { gap: 1rem; }
.gap-6 { gap: 1.5rem; }
.hidden { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.divider {
  height: 1px;
  background: #E2E8F0;
  margin: 1.5rem 0;
}
.spinner {
  width: 1.25rem;
  height: 1.25rem;
  border: 2px solid rgba(255,255,255,0.3);
  border-top-color: #FFFFFF;
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1024px) {
  .dashboard-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .results-grid { gap: 1.5rem; }
  .hiw-steps-grid { grid-template-columns: 1fr 1fr; }
  .stats-strip-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 768px) {
  .workshop-card-right {
    padding: 4rem;
  }
}

@media (max-width: 768px) {
  .header-nav { display: none; }
  .mobile-nav-toggle { display: flex; }
  .hero-h1 { font-size: clamp(2.25rem, 8vw, 3.5rem); }
  .workshop-card { grid-template-columns: 1fr; border-radius: 2rem; }
  .workshop-card-left { min-height: 14rem; }
  .workshop-badge-free { right: -1.5rem; top: 1rem; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .hiw-steps-grid { grid-template-columns: 1fr; }
  .stats-strip-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .results-grid {
    grid-template-columns: 1fr;
    max-width: 28rem;
  }
  .result-card-heloc { transform: scale(1); }
  .calc-fields-grid { grid-template-columns: 1fr; }
  .simulation-stats { grid-template-columns: 1fr 1fr; }
  .auth-form-row { grid-template-columns: 1fr; }
  .ai-chat-window { right: 0.75rem; left: 0.75rem; width: auto; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .section-pad { padding: 3.5rem 1.5rem; }
  .section-pad-lg { padding: 5rem 1.5rem; }
  .calc-card { padding: 1.5rem; border-radius: 1.5rem; }
  .card { border-radius: 1.5rem; }
  .modal-box { border-radius: 2rem; padding: 2rem; }
  .steps-bar { gap: 0; }
  .step-label { display: none; }
}

@media (max-width: 480px) {
  .header-inner { padding: 0 1rem; }
  .hero-section { padding: 3rem 1rem 4rem; }
  .container-xl, .container-lg, .container-md { padding: 0 1rem; }
  .btn-primary, .btn-success { padding: 0.75rem 1.5rem; font-size: 0.8125rem; }
  .simulation-stats { grid-template-columns: 1fr; }
}