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

  html {
    scroll-behavior: smooth;
    font-size: 16px;
  }

  body {
    font-family: 'Manrope', sans-serif;
    color: var(--navy);
    background: var(--cream);
    overflow-x: hidden;
  }

  img {
    max-width: 100%;
    display: block;
  }

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

  button {
    cursor: pointer;
    font-family: inherit;
    border: none;
    background: none;
  }

  input,
  select {
    font-family: inherit;
  }

  ul {
    list-style: none;
  }

  /* ====================================================
   DESIGN TOKENS
   ==================================================== */
  :root {
    /* Fire Home Loans palette */
    --black: #08090C; /* Deepest obsidian */
    --charcoal: #12141C; /* Dark card background */
    --gold: #FF4500; /* Vibrant electric flame orange-red */
    --gold-light: #FF6A3D; /* Lighter flame accent */
    --gold-pale: #FFEBE5; /* Ultra-subtle light flame tint for backgrounds */
    --cream: #F8FAFC; /* Clean cool gray/white background */
    --white: #FFFFFF; /* Pure white */
    --off-white: #F1F5F9; /* Clean cool gray accent */
    --gray: #64748B; /* Slate gray text */
    --gray-light: #E2E8F0; /* Soft slate border */
    --navy: #0F172A; /* Deep slate gray/black for main text */
    --navy-deep: #050608; /* Deepest black */

    --radius: 10px;
    --radius-md: 18px;
    --radius-lg: 26px;
    --shadow: 0 10px 30px rgba(15, 23, 42, 0.04);
    --shadow-lg: 0 20px 50px rgba(15, 23, 42, 0.08);
    --transition: 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
  }

  .faq-category {
    grid-column: 1 / -1;
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.5rem;
    color: var(--gold);
    letter-spacing: 0.04em;
    margin: 40px 0 10px;
    padding-bottom: 10px;
    border-bottom: 1px solid rgba(201, 146, 42, 0.15);
    display: flex;
    align-items: center;
    gap: 12px;
  }

  .faq-category::before {
    content: "";
    width: 4px;
    height: 20px;
    background: var(--gold);
    border-radius: 2px;
  }

  .btn-action {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--gold);
    color: var(--black);
    font-family: 'Manrope', sans-serif;
    font-size: 1rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 17px 38px;
    border-radius: var(--radius);
    transition: all var(--transition);
    text-decoration: none;
    border: none;
    box-shadow: 0 10px 24px rgba(242, 106, 33, 0.22);
  }

  .btn-action:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 14px 34px rgba(242, 106, 33, 0.3);
  }

  .faq-toggle-container {
    width: 100%;
    display: flex;
    justify-content: center;
    margin-top: 60px;
    padding-bottom: 40px;
    grid-column: 1 / -1; /* Ensures it spans both columns if inside a grid */
  }

  .faq-btn-secondary {
    font-family: 'Manrope', sans-serif;
    font-weight: 800;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold);
    padding: 18px 40px;
    background: rgba(197, 160, 89, 0.08); /* Subtle fill */
    border: 1px solid var(--gold);
    border-radius: var(--radius);
    transition: var(--transition);
    cursor: pointer;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.2);
  }

  .faq-btn-secondary:hover {
    background: var(--gold);
    color: var(--black);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(197, 160, 89, 0.4);
  }

  #faq-vault {
    display: none;
    grid-column: 1 / -1;
    margin-top: 20px;
    animation: ctc-fade-in 0.4s ease-out forwards;
  }

  @keyframes ctc-fade-in {
    from { opacity: 0; transform: translateY(15px); }
    to { opacity: 1; transform: translateY(0); }
  }

  /* ====================================================
   TYPOGRAPHY
   ==================================================== */
  .display {
    font-family: 'Bebas Neue', sans-serif;
    font-weight: 400;
    line-height: 0.95;
    letter-spacing: 0.02em;
  }

  h1,
  h2,
  h3 {
    font-family: 'Bebas Neue', sans-serif;
  }

  .eyebrow {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    font-family: 'Manrope', sans-serif;
  }

  /* ====================================================
   BUTTONS
   ==================================================== */
  .btn-gold {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    background: var(--gold);
    color: var(--black);
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    padding: 14px 28px;
    border-radius: var(--radius);
    transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
    white-space: nowrap;
  }

  .btn-gold:hover {
    background: #c84a1b;
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(200, 74, 27, 0.36);
  }

  .btn-gold.lg {
    font-size: 0.95rem;
    padding: 17px 36px;
  }

  .btn-dark {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    background: rgba(255, 255, 255, 0.06);
    color: var(--white);
    font-family: 'Inter', sans-serif;
    font-size: 0.875rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    padding: 14px 28px;
    border-radius: var(--radius);
    border: 1px solid rgba(255, 255, 255, 0.18);
    transition: all var(--transition);
  }

  .btn-dark:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 179, 71, 0.7);
    transform: translateY(-3px);
  }

  .btn-dark.lg {
    font-size: 0.95rem;
    padding: 17px 36px;
  }

  .btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: var(--white);
    font-size: 0.88rem;
    font-weight: 600;
    padding: 14px 28px;
    border-radius: var(--radius);
    border: 1.5px solid rgba(255, 255, 255, 0.3);
    transition: all var(--transition);
  }

  .btn-outline:hover {
    border-color: var(--white);
    background: rgba(255, 255, 255, 0.08);
  }

  /* ====================================================
   HEADER
   ==================================================== */
  #site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 200;
    background:
      linear-gradient(180deg, rgba(21, 15, 13, 0.98), rgba(21, 15, 13, 0.92));
    -webkit-backdrop-filter: blur(16px);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid rgba(255, 179, 71, 0.16);
    transition: box-shadow 0.3s;
  }

  #site-header.scrolled {
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.3);
  }

  .header-inner {
    display: flex;
    align-items: center;
    gap: 20px;
    height: 68px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .header-logo {
    flex-shrink: 0;
  }

  .header-logo-text {
    display: flex;
    flex-direction: column;
    gap: 0;
    line-height: 0.95;
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.4rem;
    font-weight: 400;
    color: var(--white);
    letter-spacing: 0.04em;
  }

  .brand-mark-kicker {
    color: #ffb347;
    font-size: 0.85rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
  }

  .brand-mark-main {
    color: var(--white);
    font-size: 1.7rem;
    letter-spacing: 0.05em;
  }

  .brand-mark-sub {
    font-family: 'Manrope', sans-serif;
    font-size: 0.68rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255, 249, 245, 0.58);
    margin-top: 6px;
  }

  nav.header-nav {
    display: flex;
    align-items: center;
    gap: 2px;
    margin-left: auto;
  }

  nav.header-nav a {
    color: rgba(255, 249, 245, 0.72);
    font-size: 0.85rem;
    font-weight: 400;
    padding: 8px 14px;
    border-radius: var(--radius);
    transition: color var(--transition);
  }

  nav.header-nav a:hover {
    color: var(--white);
  }

  .header-actions {
    display: flex;
    align-items: center;
    gap: 14px;
  }

  .header-phone {
    color: rgba(255, 249, 245, 0.58);
    font-size: 0.8rem;
    transition: color var(--transition);
  }

  .header-phone:hover {
    color: var(--gold);
  }

  .header-cta {
    padding: 10px 20px;
    font-size: 0.82rem;
  }

  @media (max-width: 768px) {
    nav.header-nav {
      display: none;
    }

    .header-phone {
      display: none;
    }
  }

  /* ====================================================
   HERO
   ==================================================== */
  #hero {
    padding-top: 140px;
    padding-bottom: 60px;
    background:
      radial-gradient(circle at top right, rgba(255, 69, 0, 0.12), transparent 35%),
      radial-gradient(circle at 15% 20%, rgba(255, 106, 61, 0.1), transparent 30%),
      linear-gradient(180deg, #08090C 0%, #12141C 100%);
    position: relative;
    overflow: hidden;
  }

  .hero-grid-lines {
    position: absolute;
    inset: 0;
    pointer-events: none;
    background-image: linear-gradient(rgba(255, 69, 0, 0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 69, 0, 0.04) 1px, transparent 1px);
    background-size: 80px 80px;
  }

  .hero-glow {
    position: absolute;
    top: -200px;
    right: -200px;
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(255, 69, 0, 0.15) 0%, rgba(255, 106, 61, 0.06) 30%, transparent 70%);
    pointer-events: none;
  }

  .hero-inner {
    max-width: 900px;
    margin: 0 auto;
    padding: 0 28px;
    position: relative;
    z-index: 1;
  }

  .hero-tag {
    margin-bottom: 20px;
  }

  .hero-h1 {
    font-family: 'Bebas Neue', sans-serif;
    font-weight: 400;
    font-size: clamp(3.6rem, 7vw, 6.8rem);
    line-height: 0.95;
    letter-spacing: 0.02em;
    color: var(--white);
    margin-bottom: 28px;
  }

  .hero-eyebrow {
    display: block;
    margin-bottom: 12px;
    font-size: 0.8rem;
  }

  .hero-h1 em {
    color: var(--gold);
    font-style: normal;
  }

  .hero-h1 s {
    text-decoration: line-through;
    color: rgba(255, 255, 255, 0.28);
  }

  .hero-sub {
    font-size: 1.1rem;
    line-height: 1.7;
    color: rgba(255, 249, 245, 0.78);
    max-width: 600px;
    margin-bottom: 40px;
    font-weight: 400;
  }

  .hero-sub.hero-sub-tight {
    margin-bottom: 12px;
  }

  .hero-sub strong {
    color: rgba(255, 249, 245, 0.96);
    font-weight: 600;
  }

  .hero-ctas {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 48px;
  }

  .hero-rates-note {
    margin-bottom: 40px;
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.4);
    letter-spacing: 0.05em;
    text-transform: uppercase;
  }

  .hero-cta-icon {
    display: inline-block;
    margin-left: 4px;
    vertical-align: middle;
  }

  .hero-or {
    color: rgba(255, 255, 255, 0.25);
    font-size: 0.8rem;
  }

  .hero-text-link {
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.875rem;
    transition: color var(--transition);
  }

  .hero-text-link:hover {
    color: var(--gold);
  }

  .hero-stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px 20px;
    margin-top: 64px;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
    padding-top: 40px;
  }

  .hero-stat-num {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 2.2rem;
    font-weight: 400;
    color: var(--white);
    line-height: 1;
  }

  .hero-stat-num span {
    color: var(--gold);
  }

  .hero-stat-label {
    font-size: 0.72rem;
    color: rgba(255, 249, 245, 0.58);
    margin-top: 6px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    line-height: 1.4;
  }

  .hero-trust-sub {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.35);
    margin-top: 14px;
    display: block;
  }

  @media (min-width: 640px) {
    .hero-stats {
      grid-template-columns: repeat(3, 1fr);
    }
  }

  @media (min-width: 900px) {
    .hero-stats {
      grid-template-columns: repeat(5, 1fr);
      gap: 24px;
    }
  }

  @media (max-width: 768px) {
    .hero-inner {
      padding: 80px 20px 60px;
    }

    .hero-stats {
      gap: 24px;
    }
  }

  /* ====================================================
   AREAS SERVED (GRID)
   ==================================================== */
  #markets {
    padding: 80px 0;
    background: var(--off-white);
    border-top: 1px solid var(--gray-light);
    border-bottom: 1px solid var(--gray-light);
    position: relative;
  }

  .markets-intro {
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
  }

  .markets-eyebrow {
    margin-bottom: 12px;
  }

  .markets-heading {
    font-size: clamp(2.5rem, 5vw, 4.5rem);
    color: var(--black);
    line-height: 0.95;
    margin-bottom: 24px;
  }

  .markets-copy {
    font-size: 1.1rem;
    color: var(--gray);
    line-height: 1.6;
    font-weight: 400;
  }

  .markets-disclaimer {
    margin-top: 48px;
    text-align: center;
    border-top: 1px solid rgba(12, 12, 12, 0.06);
    padding-top: 24px;
  }

  .markets-disclaimer-text {
    font-size: 0.75rem;
    color: var(--gray);
    letter-spacing: 0.15em;
    text-transform: uppercase;
    font-weight: 700;
  }

  .city-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    max-width: 1000px;
    margin: 40px auto 0;
    list-style: none;
  }

  .city-pill {
    padding: 10px 24px;
    background: var(--white);
    border: 1px solid var(--gray-light);
    border-radius: 999px;
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.4rem;
    letter-spacing: 0.03em;
    color: var(--black);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: default;
    display: inline-block;
    line-height: 1;
  }

  .city-pill:hover {
    border-color: var(--gold);
    color: var(--gold);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(12, 12, 12, 0.05);
  }

  .city-pill em {
    font-style: normal;
    color: var(--gold);
  }

  @media (max-width: 768px) {
    #markets {
      padding: 60px 0;
    }

    .city-grid {
      gap: 8px;
      margin-top: 32px;
      padding: 0 16px;
    }

    .city-pill {
      font-size: 1.2rem;
      padding: 8px 18px;
    }
  }

  /* ====================================================
   SERVICES (SPLIT SECTION)
   ==================================================== */
  #services {
    padding: 64px 0;
    background: var(--white);
    border-bottom: 1px solid rgba(12, 12, 12, 0.05);
    overflow: hidden;
  }

  .services-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
  }

  @media (min-width: 992px) {
    .services-inner {
      grid-template-columns: 400px 1fr;
      gap: 64px;
      align-items: start;
    }

    .services-header {
      position: sticky;
      top: 100px;
    }
  }

  .services-header {
    position: relative;
  }

  .services-header .eyebrow {
    color: var(--gold);
    font-weight: 700;
  }

  .services-header h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(3.2rem, 5vw, 5rem);
    line-height: 0.95;
    color: var(--black);
    margin: 16px 0 24px;
  }

  .services-header p {
    font-size: 1.15rem;
    color: var(--gray);
    line-height: 1.7;
  }

  .services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 12px;
  }

  .service-card {
    background: #fafaf9;
    border: 1px solid rgba(12, 12, 12, 0.06);
    padding: 40px 32px;
    text-decoration: none;
    transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
    border-radius: var(--radius-md);
    display: flex;
    flex-direction: column;
  }

  .service-card:hover {
    background: var(--white);
    transform: translateY(-8px);
    border-color: var(--gold);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.04);
  }

  .service-card .tag {
    font-size: 0.65rem;
    font-weight: 800;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
    opacity: 0.8;
  }

  .service-card h3 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 2.2rem;
    color: var(--black);
    margin-bottom: 14px;
    line-height: 1;
    letter-spacing: 0.02em;
  }

  .service-card p {
    font-size: 0.9rem;
    color: var(--gray);
    line-height: 1.65;
  }

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

    .services-header h2 {
      font-size: 3.5rem;
    }

    .service-card {
      padding: 32px;
    }
  }

  #anti-bank {
    padding: 80px 0;
    background: var(--black);
    color: var(--white);
  }

  .anti-bank-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .anti-bank-header {
    text-align: center;
    margin-bottom: 60px;
  }

  .anti-bank-header h2 {
    font-size: clamp(3rem, 6vw, 6rem);
    margin-bottom: 24px;
    color: var(--white);
  }

  .anti-bank-header p {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.6);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.6;
    text-wrap: balance;
  }

  .anti-bank-header sup {
    font-size: 0.5em;
    vertical-align: super;
    margin-left: 2px;
    opacity: 0.6;
  }

  /* Anatomy Breakdown Layout (Revised Idea #1) */
  .anatomy-split {
    display: flex;
    gap: 40px;
    margin-top: 60px;
    align-items: stretch;
  }

  .anatomy-panel {
    flex: 1;
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid rgba(255, 255, 255, 0.05);
    border-radius: var(--radius-lg);
    padding: 48px;
    display: flex;
    flex-direction: column;
  }

  .anatomy-panel.retail {
    background: rgba(0, 0, 0, 0.3);
  }

  .anatomy-panel.wholesale {
    background: rgba(201, 146, 42, 0.03);
    border-color: rgba(201, 146, 42, 0.15);
  }

  .anatomy-title {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 2.2rem;
    margin-bottom: 8px;
    letter-spacing: 0.03em;
  }

  .retail .anatomy-title {
    color: rgba(255, 255, 255, 0.3);
  }

  .wholesale .anatomy-title {
    color: var(--gold);
  }

  .anatomy-sub {
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(255, 255, 255, 0.4);
    margin-bottom: 40px;
    font-weight: 600;
  }

  .anatomy-breakdown {
    display: flex;
    flex-direction: column;
    gap: 16px;
    flex: 1;
  }

  .breakdown-item {
    padding: 18px 24px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: var(--radius);
    display: flex;
    justify-content: space-between;
    align-items: center;
    border: 1px solid rgba(255, 255, 255, 0.02);
  }

  .breakdown-item .label {
    font-size: 0.95rem;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.5); /* Improved clarity */
  }

  .breakdown-item .status {
    font-size: 0.65rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: rgba(255, 255, 255, 0.25);
    padding: 4px 8px;
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 4px;
  }

  .breakdown-item.active {
    background: rgba(201, 146, 42, 0.08);
    border-color: rgba(201, 146, 42, 0.1);
  }

  .breakdown-item.active .label {
    color: var(--white);
  }

  .breakdown-item.active .check {
    color: var(--gold);
    font-weight: 900;
  }

  .anatomy-total {
    margin-top: 40px;
    padding-top: 32px;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  .anatomy-total span {
    font-size: 0.75rem;
    text-transform: uppercase;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.3);
    letter-spacing: 0.1em;
  }

  .anatomy-total strong {
    font-size: 1.4rem;
    color: rgba(255, 255, 255, 0.6);
  }

  .anatomy-total.red-alert strong {
    color: #ff4d4d; /* Aggressive but clean red callout */
    opacity: 0.9;
  }

  .anatomy-total.gold strong {
    color: var(--gold);
  }

  @media (max-width: 900px) {
    .anatomy-split {
      flex-direction: column;
    }
    
    .anatomy-panel {
      padding: 40px 28px;
    }
  }

  @media (max-width: 768px) {
    #anti-bank {
      padding: 60px 0;
    }
  }

  /* Lender Marquee */
  .lender-marquee {
    background: var(--white);
    padding: 50px 0;
    border-top: 1px solid var(--gray-light);
    border-bottom: 1px solid var(--gray-light);
    overflow: hidden;
  }

  .lender-marquee-label {
    text-align: center;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gray);
    margin-bottom: 30px;
  }

  .lender-track {
    display: flex;
    gap: 80px;
    align-items: center;
    width: max-content;
    animation: scroll-lender 50s linear infinite;
  }

  .lender-logo {
    height: 36px;
    width: auto;
    opacity: 0.5;
    filter: grayscale(1);
    transition: all 0.3s;
  }

  .lender-logo:hover {
    opacity: 1;
    filter: grayscale(0);
  }

  @keyframes scroll-lender {
    0% {
      transform: translateX(0);
    }

    100% {
      transform: translateX(-50%);
    }
  }

  @media (max-width: 768px) {
    #anti-bank {
      padding: 80px 0;
    }

    .comparison-col {
      padding: 32px;
    }
  }

  /* ====================================================
   HOUSE MATH TOOL SECTION
   ==================================================== */
  #tool-section {
    background: var(--cream);
    padding: 80px 0;
  }

  .tool-container {
    max-width: 1360px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .tool-intro {
    text-align: center;
    margin-bottom: 56px;
  }

  .tool-intro h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(2rem, 3.5vw, 3rem);
    font-weight: 400;
    color: var(--black);
    margin: 14px 0 12px;
  }

  .tool-intro-title {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(2.8rem, 6vw, 4.5rem);
    line-height: 1;
    margin-bottom: 16px;
  }

  .tool-intro p {
    font-size: 1rem;
    color: var(--gray);
    max-width: 520px;
    margin: 0 auto;
    line-height: 1.65;
  }

  .tool-intro .tool-disclaimer {
    font-size: 0.8rem;
    color: var(--gray);
    opacity: 0.7;
    margin-top: 8px;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
  }

  .tool-intro .tool-disclaimer-strong {
    margin-top: 10px;
    font-size: 0.9rem;
    opacity: 0.8;
  }

  /* ====================================================
   WHAT MAKES US DIFFERENT
   ==================================================== */
  #difference {
    background: var(--cream);
    padding: 100px 0 0;
    position: relative;
  }

  #difference::before {
    content: '';
    position: absolute;
    inset: 0;
    pointer-events: none;
    background-image: url("data:image/svg+xml,%3Csvg width='200' height='200' viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.03'/%3E%3C/svg%3E");
  }

  .diff-intro {
    max-width: 1360px;
    margin: 0 auto;
    padding: 0 28px 80px;
    position: relative;
  }

  .diff-intro-grid {
    display: grid;
    grid-template-columns: 1fr 1.35fr;
    gap: 64px;
    align-items: start;
  }

  .diff-left-headline {
    font-family: 'Bebas Neue', sans-serif;
    font-weight: 400;
    font-size: clamp(3.2rem, 5.5vw, 5rem);
    line-height: 0.95;
    letter-spacing: 0.02em;
    color: var(--black);
    margin: 16px 0 28px;
  }

  .diff-left-headline .cross {
    text-decoration: line-through;
    color: rgba(12, 12, 12, 0.22);
  }

  .diff-left-headline .accent {
    color: var(--gold);
  }

  .diff-left p {
    font-size: 1rem;
    color: var(--gray);
    line-height: 1.7;
    margin-bottom: 16px;
    max-width: 440px;
  }

  .diff-left p strong {
    color: var(--black);
    font-weight: 600;
  }

  /* Shock cards */
  .shock-cards {
    display: flex;
    flex-direction: column;
    gap: 2px;
  }

  .shock-card {
    background: var(--black);
    border-radius: 0;
    padding: 32px 36px;
    position: relative;
    overflow: hidden;
    transition: background var(--transition), transform var(--transition);
  }

  .shock-card:first-child {
    border-radius: var(--radius-md) var(--radius-md) 0 0;
  }

  .shock-card:last-child {
    border-radius: 0 0 var(--radius-md) var(--radius-md);
  }

  .shock-card:hover {
    background: #1a1a1a;
    transform: translateY(-2px);
  }

  .shock-card-them {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.25);
    margin-bottom: 8px;
  }

  .shock-card-them em {
    text-decoration: line-through;
  }

  .shock-card-headline {
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 8px;
    line-height: 1.45;
  }

  .shock-card-body {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.6;
  }

  .shock-card-proof {
    font-size: 0.72rem;
    color: var(--gold);
    margin-top: 10px;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
  }

  .shock-card-tag {
    /* Keep the pill in the top-right without overlapping text */
    position: static;
    float: right;
    font-size: 0.68rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    background: rgba(201, 146, 42, 0.15);
    color: var(--gold);
    padding: 4px 10px;
    border-radius: 20px;
    margin: 0 0 12px 16px;
  }

  .shock-card::after {
    content: "";
    display: block;
    clear: both;
  }

  @media (max-width: 560px) {
    .shock-card-tag {
      float: none;
      display: inline-block;
      margin: 0 0 10px 0;
    }
  }

  @media (max-width: 1050px) {
    .diff-intro-grid {
      grid-template-columns: 1fr;
      gap: 48px;
    }
  }

  /* Promise strip */
  .promise-strip {
    background: var(--gold);
    padding: 56px 0;
    border-top: 2px solid rgba(12, 12, 12, 0.08);
    border-bottom: 2px solid rgba(12, 12, 12, 0.08);
  }

  .promise-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
  }

  .promise-item {
    padding: 0 40px;
    border-right: 1px solid rgba(12, 12, 12, 0.12);
  }

  .promise-item:first-child {
    padding-left: 0;
  }

  .promise-item:last-child {
    border-right: none;
  }

  .promise-icon-svg {
    width: 32px;
    height: 32px;
    margin-bottom: 14px;
    flex-shrink: 0;
  }

  .promise-icon-svg svg {
    width: 100%;
    height: 100%;
    display: block;
  }

  .promise-title {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.5rem;
    font-weight: 400;
    color: var(--black);
    margin-bottom: 8px;
    line-height: 1.0;
    letter-spacing: 0.02em;
  }

  .promise-text {
    font-size: 0.85rem;
    color: rgba(12, 12, 12, 0.68);
    line-height: 1.6;
  }

  @media (max-width: 700px) {
    .promise-inner {
      grid-template-columns: 1fr;
    }

    .promise-item {
      padding: 28px 0;
      border-right: none;
      border-bottom: 1px solid rgba(12, 12, 12, 0.12);
    }

    .promise-item:last-child {
      border-bottom: none;
    }
  }

  /* ====================================================
   TEAM SECTION
   ==================================================== */
  #team {
    background: var(--black);
    padding: 80px 0;
  }

  .team-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .team-header {
    margin-bottom: 48px;
  }

  .team-header h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(3rem, 5vw, 4.2rem);
    font-weight: 400;
    color: var(--white);
    margin: 14px 0 16px;
    line-height: 1.05;
  }

  .team-header p {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.5);
    max-width: 480px;
    line-height: 1.65;
  }

  .team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    align-items: stretch;
  }

  .team-card {
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.05), rgba(255, 179, 71, 0.03));
    border: 1px solid rgba(255, 179, 71, 0.14);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color var(--transition), transform var(--transition), background var(--transition);
    display: flex;
    flex-direction: column;
    height: 100%;
  }

  .team-card:hover {
    border-color: rgba(255, 179, 71, 0.45);
    transform: translateY(-4px);
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.08), rgba(255, 179, 71, 0.05));
  }

  .team-photo {
    width: 100%;
    aspect-ratio: 1 / 1;
    overflow: hidden;
    background: rgba(255, 179, 71, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .team-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top;
  }

  .team-photo-placeholder {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 4rem;
    font-weight: 400;
    color: rgba(255, 179, 71, 0.22);
    letter-spacing: -0.04em;
  }

  .team-body {
    padding: 28px 28px 24px;
    display: flex;
    flex-direction: column;
    flex: 1 1 auto;
  }

  .team-name {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.8rem;
    font-weight: 400;
    color: var(--white);
    letter-spacing: 0.02em;
    margin-bottom: 2px;
  }

  .team-nmls {
    font-size: 0.72rem;
    color: rgba(255, 249, 245, 0.5);
    margin-bottom: 8px;
  }

  .team-role {
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: #ffb347;
    margin-bottom: 12px;
  }

  .team-superpower {
    font-size: 0.95rem;
    color: rgba(255, 249, 245, 0.8);
    font-style: italic;
    line-height: 1.5;
    margin-bottom: 16px;
  }

  .team-bio {
    font-size: 0.95rem;
    color: rgba(255, 249, 245, 0.78);
    line-height: 1.6;
    margin-bottom: 24px;
    flex: 1 1 auto;
  }

  .team-bio p {
    margin-bottom: 12px;
  }

  .team-bio p:last-child {
    margin-bottom: 0;
    font-size: 0.8rem;
    opacity: 0.5;
    font-style: italic;
    border-top: 1px solid rgba(255, 179, 71, 0.16);
    padding-top: 12px;
    margin-top: 16px;
  }

  .team-obsession {
    font-size: 0.65rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: #ffb347;
    background: rgba(255, 179, 71, 0.12);
    padding: 4px 10px;
    border-radius: 4px;
    display: inline-block;
    margin-bottom: 12px;
  }

  /* Removed team-more-toggle and team-more-content for cleaner layout */
  .team-actions {
    display: flex;
    gap: 10px;
    margin-top: auto;
  }

  .team-btn {
    flex: 1;
    padding: 11px 12px;
    border-radius: var(--radius);
    font-family: 'Manrope', sans-serif;
    font-size: 0.8rem;
    font-weight: 700;
    text-align: center;
    letter-spacing: 0.04em;
    transition: all var(--transition);
  }

  .team-btn-primary {
    background: var(--gold);
    color: var(--black);
    border: 1.5px solid var(--gold);
  }

  .team-btn-primary:hover {
    background: #c84a1b;
    border-color: #c84a1b;
  }

  .team-btn-secondary {
    border: 1.5px solid rgba(255, 179, 71, 0.35);
    color: #ffb347;
    background: none;
  }

  .team-btn-secondary:hover {
    background: var(--gold);
    color: var(--black);
    border-color: var(--gold);
  }

  @media (max-width: 768px) {
    .team-grid {
      grid-template-columns: 1fr;
    }
  }

  /* ====================================================
   REVIEWS
   ==================================================== */
  #reviews {
    background: var(--cream);
    padding: 24px 0 72px;
  }

  .reviews-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .reviews-header {
    margin-bottom: 48px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .reviews-header h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(2.8rem, 4vw, 3.8rem);
    font-weight: 400;
    color: var(--black);
    margin: 12px 0 16px;
  }

  .reviews-header p {
    font-size: 1rem;
    color: var(--gray);
    max-width: 480px;
    line-height: 1.6;
  }

  .review-score-row {
    display: flex;
    align-items: flex-end;
    justify-content: center;
    gap: 20px;
    margin: 12px 0 14px;
    flex-wrap: wrap;
  }

  .review-count {
    font-size: 0.82rem;
    color: var(--gray);
    margin-top: 4px;
  }

  .reviews-intro {
    max-width: 480px;
    margin: 0 auto;
  }

  .review-score {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 4rem;
    font-weight: 400;
    color: var(--black);
    letter-spacing: 0.02em;
    line-height: 1;
  }

  .review-score-stars {
    color: var(--gold);
    font-size: 1.1rem;
    letter-spacing: 3px;
    margin-top: 4px;
  }

  .reviews-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-bottom: 32px;
  }

  .review-card {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 28px;
    border: 1px solid var(--gray-light);
    transition: border-color var(--transition), transform var(--transition);
  }

  .review-card:hover {
    border-color: var(--gold);
    transform: translateY(-2px);
  }

  .review-stars {
    color: var(--gold);
    font-size: 0.9rem;
    letter-spacing: 1px;
    margin-bottom: 12px;
  }

  .review-text {
    font-size: 0.88rem;
    color: var(--gray);
    line-height: 1.68;
    font-style: italic;
    margin-bottom: 16px;
  }

  .review-author {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 8px;
  }

  .review-avatar {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: var(--black);
    color: var(--gold);
    font-family: 'Inter', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }

  .review-name {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--black);
  }

  .review-lo {
    font-size: 0.7rem;
    color: var(--gray);
    opacity: 0.7;
  }

  .reviews-cta {
    text-align: center;
  }

  .reviews-cta a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--black);
    padding: 14px 28px;
    border: 1.5px solid var(--gray-light);
    border-radius: var(--radius);
    transition: all var(--transition);
  }

  .reviews-cta a:hover {
    border-color: var(--gold);
    color: var(--gold);
  }

  @media (max-width: 768px) {
    .reviews-grid {
      grid-template-columns: 1fr;
    }
  }

  /* ====================================================
   FAQ
   ==================================================== */
  #faq {
    background: var(--white);
    padding: 80px 0;
  }

  .faq-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .faq-header {
    text-align: center;
    margin-bottom: 48px;
  }

  .faq-header h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(2.6rem, 4vw, 3.5rem);
    font-weight: 400;
    color: var(--black);
    margin: 12px 0 14px;
  }

  .faq-header p {
    font-size: 1rem;
    color: var(--gray);
  }

  .faq-list {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
  }

  @media (min-width: 992px) {
    .faq-list {
      grid-template-columns: repeat(2, 1fr);
      column-gap: 32px;
      align-items: start;
    }
  }

  .faq-vault-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
  }

  @media (min-width: 992px) {
    .faq-vault-grid {
      grid-template-columns: repeat(2, 1fr);
      column-gap: 32px;
    }
  }

  details.faq-item {
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid rgba(12, 12, 12, 0.05);
    display: block;
    /* Ensure details block behavior */
  }

  .faq-item:first-child {
    border-radius: var(--radius-md) var(--radius-md) 0 0;
  }

  .faq-item:last-child {
    border-radius: 0 0 var(--radius-md) var(--radius-md);
  }

  summary.faq-q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 22px 28px;
    cursor: pointer;
    background: var(--cream);
    transition: background var(--transition);
    list-style: none;
    /* Hide default arrow */
  }

  summary.faq-q::-webkit-details-marker {
    display: none;
    /* Hide Safari default arrow */
  }

  details.faq-item[open] summary.faq-q {
    background: var(--black);
  }

  .faq-q span {
    font-family: 'Inter', sans-serif;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--black);
    transition: color var(--transition);
    line-height: 1.4;
  }

  details.faq-item[open] summary.faq-q span {
    color: var(--white);
  }

  .faq-icon {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    color: var(--black);
    flex-shrink: 0;
    font-weight: 300;
    transition: all var(--transition);
  }

  details.faq-item[open] .faq-icon {
    background: var(--gold);
    color: var(--black);
    transform: rotate(45deg);
  }

  .faq-a {
    overflow: hidden;
    background: #F0EDE7;
  }

  .faq-a.open {
    max-height: 400px;
    opacity: 1;
  }

  .faq-a p {
    padding: 18px 28px 22px;
    font-size: 0.925rem;
    color: var(--gray);
    line-height: 1.7;
    max-width: 680px;
  }

  /* ====================================================
   FINAL CTA
   ==================================================== */
  /* ====================================================
   FINAL CTA: Premium Dark Re-skin
   ==================================================== */
  #final-cta {
    background: var(--navy-deep);
    padding: 100px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(201, 146, 42, 0.15);
  }

  #final-cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at center, rgba(201, 146, 42, 0.08) 0%, transparent 70%);
  }

  .final-cta-inner {
    position: relative;
    z-index: 2;
    max-width: 800px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .final-cta-owners {
    display: flex;
    justify-content: center;
    gap: -10px;
    margin-bottom: 30px;
  }

  .final-owner-img {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    border: 2px solid var(--navy-deep);
    background: var(--charcoal);
    margin-left: -12px;
    overflow: hidden;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
    transition: transform 0.3s ease;
  }

  .final-owner-img:first-child {
    margin-left: 0;
  }

  .final-owner-img:hover {
    transform: translateY(-5px);
    z-index: 10;
    border-color: var(--gold);
  }

  .final-owner-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }

  #final-cta h2 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(3rem, 5.5vw, 4.8rem);
    font-weight: 400;
    color: var(--white);
    line-height: 1.0;
    margin-bottom: 22px;
    letter-spacing: 0.02em;
  }

  #final-cta h2 span {
    color: rgba(255, 255, 255, 0.35);
  }

  #final-cta p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.7);
    margin: 0 auto 48px;
    line-height: 1.7;
    max-width: 620px;
  }

  .final-cta-btns {
    display: flex;
    justify-content: center;
    gap: 18px;
    flex-wrap: wrap;
    margin-bottom: 28px;
  }

  .final-btn-secondary {
    background: rgba(255, 255, 255, 0.05);
    color: var(--white);
    padding: 17px 40px;
    border-radius: var(--radius);
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    border: 1px solid rgba(255, 255, 255, 0.15);
    transition: all var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 10px;
  }

  .final-btn-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--gold);
    transform: translateY(-2px);
  }

  .final-text-opt {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.4);
    margin-top: 10px;
  }

  .final-text-opt a {
    color: var(--gold);
    font-weight: 700;
    margin: 0 4px;
  }

  .scenario-card {
    grid-column: 1 / -1;
    display: flex;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    background: var(--white);
    border: 1px solid rgba(12, 12, 12, 0.08);
    border-radius: var(--radius-md);
    padding: 40px 48px;
    margin-top: 32px;
    /* Reduced from 60px to remove "random bar" feel */
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.03);
    transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  }

  .scenario-card:hover {
    border-color: var(--gold);
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(201, 146, 42, 0.08);
  }

  .scenario-card-content {
    flex: 1;
  }

  .scenario-card h3 {
    font-size: 2.2rem;
    color: var(--black);
    margin: 8px 0 14px;
  }

  .scenario-card p {
    font-size: 1rem;
    color: var(--gray);
    line-height: 1.6;
    max-width: 600px;
  }

  @media (max-width: 991px) {
    .scenario-card {
      flex-direction: column;
      text-align: center;
      padding: 40px 32px;
      gap: 24px;
    }

    .scenario-card p {
      margin: 0 auto;
    }
  }

  @media (max-width: 768px) {
    .scenario-card {
      margin-top: 24px;
      padding: 32px 24px;
    }

    .scenario-card h3 {
      font-size: 1.8rem;
    }
  }

  /* ====================================================
   PREMIUM APPLICATION MODAL
   ==================================================== */
  .ctc-modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(12, 12, 28, 0.85);
    -webkit-backdrop-filter: blur(8px);
    backdrop-filter: blur(8px);
    z-index: 10000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
    padding: 20px;
  }

  .ctc-modal-overlay.is-active {
    opacity: 1;
    pointer-events: auto;
  }

  .ctc-modal-card {
    background: var(--navy-deep);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-md);
    width: 100%;
    max-width: 500px;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    box-shadow: 0 40px 100px rgba(0, 0, 0, 0.5);
    transform: translateY(20px);
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    padding: 40px;
  }

  .ctc-modal-overlay.is-active .ctc-modal-card {
    transform: translateY(0);
  }

  .ctc-modal-close {
    position: absolute;
    top: 20px;
    right: 20px;
    background: none;
    border: none;
    font-size: 2rem;
    color: rgba(255, 255, 255, 0.4);
    cursor: pointer;
    line-height: 1;
  }

  .ctc-modal-close:hover {
    color: #fff;
  }

  .ctc-modal-h {
    font-family: 'Bebas Neue', sans-serif;
    font-size: clamp(2rem, 5vw, 2.8rem);
    color: #fff;
    line-height: 1;
    margin-bottom: 8px;
  }

  .ctc-modal-sub {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.5);
    margin-bottom: 24px;
    line-height: 1.5;
  }

  .ctc-app-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 10px;
    margin-bottom: 24px;
  }

  .ctc-app-type {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 8px;
    padding: 12px;
    text-align: center;
    cursor: pointer;
    transition: all 0.2s;
    color: rgba(255, 255, 255, 0.8);
    /* Changed from dimmed/black */
  }

  .ctc-app-type input {
    display: none;
  }

  .ctc-app-type:hover {
    border-color: var(--gold);
  }

  .ctc-app-type.is-selected {
    background: var(--gold);
    border-color: var(--gold);
    color: #fff;
  }

  /* White font on gold */
  .ctc-app-type-label {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: inherit;
  }

  .ctc-app-field {
    margin-bottom: 20px;
  }

  .ctc-app-field label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 6px;
  }

  .ctc-app-field input,
  .ctc-app-field textarea {
    width: 100%;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 6px;
    padding: 12px 14px;
    color: #fff;
    font-family: inherit;
    font-size: 1rem;
    outline: none;
  }

  .ctc-app-field input:focus {
    border-color: var(--gold);
  }

  .ctc-app-field textarea {
    height: 80px;
    resize: none;
  }

  .ctc-app-submit {
    width: 100%;
    background: var(--emerald);
    color: #fff;
    border: none;
    border-radius: 6px;
    padding: 16px;
    font-size: 1.1rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
    box-shadow: 0 10px 20px rgba(6, 78, 59, 0.3);
  }

  .ctc-app-submit:hover {
    background: var(--emerald-light);
    transform: translateY(-2px);
  }

  .ctc-app-submit:disabled {
    opacity: 0.5;
    cursor: not-allowed;
  }

  .ctc-app-success {
    display: none;
    text-align: center;
    padding: 40px 0;
  }

  .ctc-app-success h3 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 3rem;
    color: var(--gold);
    margin-bottom: 12px;
  }

  .ctc-app-success p {
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
  }

  .ctc-app-security {
    text-align: center;
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.3);
    margin-top: 16px;
  }

  .ctc-app-success-close {
    margin-top: 24px;
    width: 100%;
  }

  @media (max-width: 480px) {
    .ctc-app-grid {
      grid-template-columns: 1fr;
    }

    .ctc-modal-card {
      padding: 30px 20px;
    }
  }

  /* ====================================================
   PREMIUM FOOTER
   ==================================================== */
  .ctc-footer {
    background:
      radial-gradient(circle at top left, rgba(242, 106, 33, 0.14), transparent 30%),
      linear-gradient(180deg, #120c0a 0%, #1a100d 100%);
    padding: 80px 0 40px;
    border-top: 1px solid rgba(255, 179, 71, 0.18);
    color: #fff;
  }

  .footer-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 60px;
    margin-bottom: 60px;
  }

  .footer-brand .footer-logo {
    display: inline-flex;
    margin-bottom: 24px;
  }

  .footer-logo-text {
    display: flex;
    flex-direction: column;
    line-height: 0.92;
  }

  .footer-tagline {
    font-size: 0.95rem;
    color: rgba(255, 249, 245, 0.68);
    line-height: 1.6;
    margin-bottom: 24px;
    max-width: 280px;
  }

  .footer-socials {
    display: flex;
    gap: 15px;
  }

  .footer-socials a {
    width: 36px;
    height: 36px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffb347;
    transition: all 0.3s;
  }

  .footer-socials a svg {
    width: 18px;
    height: 18px;
  }

  .footer-socials a:hover {
    background: var(--gold);
    color: var(--navy-deep);
    transform: translateY(-3px);
  }

  .footer-nav h3,
  .footer-action h3 {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 0.8rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 24px;
  }

  .footer-nav ul li {
    margin-bottom: 12px;
  }

  .footer-nav ul li a {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.6);
    transition: color 0.2s;
  }

  .footer-nav ul li a:hover {
    color: #fff;
  }

  .footer-action p {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 20px;
    line-height: 1.5;
  }

  .footer-btn {
    width: 100%;
    text-align: center;
  }

  .footer-modal-link {
    display: block;
    text-align: center;
    margin-top: 15px;
    font-size: 0.8rem;
    color: var(--gold);
    text-transform: uppercase;
    font-weight: 700;
    letter-spacing: 0.05em;
    opacity: 0.7;
  }

  .footer-modal-link:hover {
    opacity: 1;
    text-decoration: underline;
  }

  .footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding-top: 40px;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 40px;
  }

  .footer-disclaimer {
    max-width: 750px;
  }

  .footer-disclaimer p {
    font-size: 0.7rem;
    color: rgba(255, 255, 255, 0.3);
    line-height: 1.8;
  }

  .footer-copyright {
    font-size: 0.7rem;
    color: rgba(255, 255, 255, 0.2);
    white-space: nowrap;
  }

  @media (max-width: 992px) {
    .footer-grid {
      grid-template-columns: 1fr 1fr;
      gap: 40px;
    }
  }

  @media (max-width: 580px) {
    .footer-grid {
      grid-template-columns: 1fr;
      gap: 40px;
    }

    .footer-bottom {
      flex-direction: column;
      gap: 20px;
      text-align: center;
    }

    .footer-disclaimer {
      max-width: 100%;
    }
  }

  /* ====================================================
   MOBILE STICKY CTA
   ==================================================== */
  .mobile-sticky-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 190;
    background: var(--black);
    padding: 12px 20px;
    border-top: 1px solid rgba(201, 146, 42, 0.2);
    gap: 10px;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transform: translateY(100%);
    transition: transform 0.26s ease, opacity 0.2s ease;
  }

  .mobile-sticky-cta a {
    flex: 1;
    max-width: 180px;
    padding: 12px 16px;
    border-radius: var(--radius);
    font-family: 'Inter', sans-serif;
    font-size: 0.85rem;
    font-weight: 700;
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
  }

  .mobile-sticky-cta .sticky-text {
    background: var(--gold);
    color: var(--black);
  }

  .mobile-sticky-cta .sticky-call {
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.2);
  }

  .mobile-sticky-cta.is-visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  @media (max-width: 768px) {
    .mobile-sticky-cta {
      display: flex;
    }

    body {
      padding-bottom: 0;
    }

    body.ctc-sticky-active footer {
      padding-bottom: 88px;
    }
  }

  /* ====================================================
   UTILITIES
   ==================================================== */
  .container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .gold-bar {
    width: 36px;
    height: 3px;
    background: var(--gold);
    margin-bottom: 20px;
  }

  @keyframes fadeUp {
    from {
      opacity: 0;
      transform: translateY(20px);
    }

    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  /* =========================================
   CTC PATCH: Mobile Quick Paths
   ========================================= */
  .ctc-quickpaths {
    display: none;
  }

  @media (max-width: 768px) {

    .ctc-quickpaths {
      display: flex;
      gap: 10px;
      padding: 12px 16px;
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
    }

    .ctc-quickpaths a {
      flex: 0 0 auto;
      white-space: nowrap;
    }

  }

  /* =========================================
   CTC PATCH V2: Quick Paths visibility fix (mobile only)
   ========================================= */
  @media (max-width: 768px) {

    /* Consolidated in the final mobile block below to avoid conflicting overrides. */
    .ctc-quickpaths a:active {
      transform: translateY(1px);
    }
  }

  /* =========================================
   CTC PATCH V2: Scoped text contrast fix
   ========================================= */

  /* Default: keep text readable on light backgrounds */
  body {
    color: var(--black);
  }

  p,
  li {
    color: inherit;
  }

  /* Dark sections: lighten supporting text via token overrides (scoped) */
  #hero,
  .hero,
  #trust-strip,
  #team,
  footer {
    --gray: rgba(255, 255, 255, 0.78);
    --gray-light: rgba(255, 255, 255, 0.18);
  }

  /* If helper classes exist inside dark sections, keep them readable */
  #hero .small-text,
  #hero .muted,
  #hero .secondary-text,
  .hero .small-text,
  .hero .muted,
  .hero .secondary-text,
  #trust-strip .small-text,
  #trust-strip .muted,
  #trust-strip .secondary-text,
  #team .small-text,
  #team .muted,
  #team .secondary-text,
  footer .small-text,
  footer .muted,
  footer .secondary-text {
    color: rgba(255, 255, 255, 0.70);
  }

  section[id],
  #house-math,
  #reviews,
  #difference,
  #team,
  #faq,
  #contact {
    scroll-margin-top: 90px;
  }

  /* =========================================
   CTC PATCH V2: Mobile progressive disclosure
   ========================================= */
  .ctc-mobile-summary,
  .ctc-mobile-details {
    display: none;
  }

  @media (max-width: 768px) {

    #difference .ctc-mobile-summary,
    #difference .ctc-mobile-details {
      display: block;
    }

    #difference .ctc-mobile-summary ul {
      list-style: disc;
      padding-left: 18px;
    }

    #difference .ctc-mobile-summary li {
      margin: 6px 0;
      color: var(--black);
    }

    #difference .ctc-whyus-long-copy {
      display: none;
    }

    #difference .ctc-mobile-details {
      margin-top: 10px;
      border: 1px solid rgba(12, 12, 12, 0.10);
      border-radius: 12px;
      background: rgba(255, 255, 255, 0.55);
      overflow: hidden;
    }

    #difference .ctc-mobile-details summary {
      padding: 12px 14px;
      font-weight: 700;
      cursor: pointer;
    }

    #difference .ctc-mobile-collapse {
      padding: 0 14px 14px;
    }
  }

  /* =========================================
   CTC PATCH V2: Mobile reviews row
   ========================================= */
  @media (max-width: 768px) {
    #reviews .ctc-mobile-row {
      display: flex;
      gap: 16px;
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
      padding-bottom: 20px;
      scroll-snap-type: x mandatory;
      scrollbar-width: none;
      /* Firefox */
      -ms-overflow-style: none;
      /* IE/Edge */
    }

    #reviews .ctc-mobile-row::-webkit-scrollbar {
      display: none;
      /* Safari/Chrome */
    }

    #reviews .ctc-mobile-row>* {
      flex: 0 0 88%;
      max-width: 88%;
      scroll-snap-align: center;
    }

    /* Review Controls */
    .review-controls {
      display: flex;
      justify-content: center;
      gap: 20px;
      margin-top: -10px;
      margin-bottom: 24px;
    }

    .review-arrow {
      width: 44px;
      height: 44px;
      border-radius: 50%;
      border: 1px solid var(--gray-light);
      background: var(--white);
      color: var(--black);
      display: flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      transition: all 0.2s;
      font-size: 1.2rem;
      box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    }

    .review-arrow:active {
      transform: scale(0.92);
      background: var(--cream);
    }

    .review-arrow.disabled {
      opacity: 0.3;
      pointer-events: none;
    }
  }

  @media (min-width: 769px) {
    .review-controls {
      display: none;
    }
  }

  /* =========================================
   CTC PATCH V2: Mobile back to top
   ========================================= */
  .ctc-to-top {
    display: none;
  }

  @media (max-width: 768px) {
    .ctc-to-top {
      position: fixed;
      right: 14px;
      bottom: 86px;
      padding: 10px 12px;
      border-radius: 999px;
      background: rgba(12, 12, 12, 0.88);
      color: #F5F2EC;
      border: 1px solid rgba(255, 255, 255, 0.12);
      box-shadow: 0 10px 24px rgba(12, 12, 12, 0.22);
      z-index: 9999;
      opacity: 0;
      pointer-events: none;
      transition: opacity 160ms ease;
    }

    .ctc-to-top.is-visible {
      opacity: 1;
      pointer-events: auto;
    }
  }

  /* =========================
   MOBILE: START HUB / PROGRESS / FLOATING JUMPS (HIDDEN ON DESKTOP)
========================= */
  .ctc-mobile-hub,
  .ctc-mobile-progress,
  .ctc-mobile-jump,
  .ctc-mobile-more {
    display: none;
  }

  /* =========================
   MOBILE: START HUB
========================= */
  @media (max-width: 768px) {
    .ctc-mobile-hub {
      display: block;
      padding: 14px 16px 6px;
    }

    .ctc-mobile-hub__inner {
      border: 1px solid rgba(0, 0, 0, .08);
      border-radius: 16px;
      background: #fff;
      padding: 14px;
      box-shadow: 0 10px 28px rgba(0, 0, 0, .06);
    }

    .ctc-mobile-hub__title {
      font-weight: 800;
      font-size: 16px;
      letter-spacing: .2px;
    }

    .ctc-mobile-hub__sub {
      margin-top: 6px;
      font-size: 13px;
      opacity: .82;
      line-height: 1.35;
    }

    .ctc-mobile-hub__grid {
      margin-top: 12px;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 10px;
    }

    .ctc-mobile-hub__card {
      display: block;
      text-decoration: none;
      color: inherit;
      border: 1px solid rgba(0, 0, 0, .08);
      border-radius: 14px;
      padding: 10px;
      background: #fff;
    }

    .ctc-mobile-hub__cardTop {
      display: flex;
      align-items: center;
      gap: 8px;
    }

    .ctc-mobile-hub__icon {
      width: 26px;
      height: 26px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      border-radius: 9px;
      background: rgba(0, 0, 0, .06);
      font-size: 14px;
    }

    .ctc-mobile-hub__cardTitle {
      font-weight: 750;
      font-size: 13px;
    }

    .ctc-mobile-hub__cardText {
      margin-top: 6px;
      font-size: 12px;
      opacity: .8;
      line-height: 1.3;
    }
  }

  /* =========================
   MOBILE: CHAPTER COLLAPSE
========================= */
  @media (max-width: 768px) {
    .ctc-mobile-collapsed [data-mobile-collapsible="true"] {
      display: none;
    }

    .ctc-mobile-more {
      display: block;
      width: 100%;
      margin-top: 12px;
      border: 1px solid rgba(0, 0, 0, .12);
      background: #fff;
      border-radius: 14px;
      padding: 12px 14px;
      font-weight: 700;
    }
  }

  /* =========================
   MOBILE: SCROLL PROGRESS
========================= */
  @media (max-width: 768px) {
    .ctc-mobile-progress {
      display: block;
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      height: 3px;
      z-index: 9999;
      background: rgba(0, 0, 0, .08);
    }

    .ctc-mobile-progress__bar {
      height: 100%;
      width: 0%;
      background: rgba(0, 0, 0, .7);
    }
  }

  /* =========================
   MOBILE: FLOATING JUMPS
========================= */
  @media (max-width: 768px) {
    .ctc-mobile-jump {
      display: inline-flex;
      position: fixed;
      right: 14px;
      bottom: 84px;
      z-index: 9998;
      text-decoration: none;
      border: 1px solid rgba(0, 0, 0, .14);
      background: rgba(255, 255, 255, .96);
      color: #111;
      border-radius: 999px;
      padding: 10px 12px;
      font-weight: 750;
      font-size: 12px;
      box-shadow: 0 12px 26px rgba(0, 0, 0, .12);
      -webkit-backdrop-filter: blur(8px);
      backdrop-filter: blur(8px);
    }

    .ctc-mobile-jump--top {
      bottom: 128px;
      opacity: .92;
    }
  }

  /* =========================================
   CTC PATCH V3: Mobile-only UI refactor
   ========================================= */
  @media (max-width: 768px) {
    :root {
      --ctc-mobile-header-row1: 62px;
      --ctc-mobile-anchor-offset: 160px;
    }

    #site-header {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 220;
    }

    #site-header .header-inner {
      height: var(--ctc-mobile-header-row1);
      padding: 0 16px;
      justify-content: flex-start;
    }

    #site-header .header-logo img {
      height: 32px;
    }

    #site-header .header-nav,
    #site-header .header-phone {
      display: none !important;
    }

    #site-header .header-inner {
      justify-content: space-between !important;
    }

    #site-header .header-actions {
      display: flex !important;
      align-items: center;
    }

    #site-header .header-cta {
      display: inline-flex !important;
      padding: 8px 12px !important;
      font-size: 0.75rem !important;
    }

    .ctc-quickpaths {
      display: flex;
      position: fixed;
      top: var(--ctc-mobile-header-row1);
      left: 0;
      right: 0;
      z-index: 219;
      gap: 8px;
      flex-wrap: nowrap;
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
      padding: 10px 12px;
      background: rgba(12, 12, 12, 0.97);
      border-top: 1px solid rgba(255, 255, 255, 0.08);
      border-bottom: 1px solid rgba(201, 146, 42, 0.22);
    }

    .ctc-quickpaths a {
      flex: 0 0 auto;
      color: var(--white);
      background: transparent;
      border: 1px solid rgba(201, 146, 42, 0.45);
      border-radius: 999px;
      padding: 8px 12px;
      font-size: 12px;
      font-weight: 600;
      line-height: 1;
      white-space: nowrap;
    }

    .ctc-quickpaths a:first-child {
      background: var(--gold);
      border-color: var(--gold);
      color: var(--black);
      font-weight: 800;
      padding: 9px 14px;
    }

    #tool-section {
      padding: 64px 0 44px;
    }

    #difference {
      padding-top: 54px;
    }

    #difference .diff-intro {
      padding-bottom: 52px;
    }

    #difference .diff-intro-grid {
      gap: 30px;
    }

    html {
      scroll-padding-top: var(--ctc-mobile-anchor-offset);
    }

    section[id],
    #house-math,
    #reviews,
    #difference,
    #team,
    #faq,
    #contact {
      scroll-margin-top: var(--ctc-mobile-anchor-offset) !important;
    }

    #hero {
      padding-top: 158px;
    }

    #hero .hero-inner {
      padding: 44px 20px 34px;
    }

    #hero .hero-h1 {
      margin-bottom: 18px;
    }

    #hero .hero-sub {
      margin-bottom: 24px;
      font-size: 1rem;
      line-height: 1.58;
    }

    #hero .hero-ctas {
      margin-bottom: 30px;
      display: flex;
      flex-direction: column;
      gap: 14px;
      align-items: flex-start;
    }

    #hero .hero-ctas .hero-or,
    #hero .hero-ctas .hero-text-link {
      display: none !important;
    }

    #hero .hero-ctas .btn-gold {
      display: inline-flex;
      padding: 13px 22px;
      font-size: 0.9rem;
    }

    .ctc-mobile-hub,
    .ctc-mobile-jump,
    .ctc-to-top {
      display: none !important;
    }

    #difference .ctc-mobile-summary,
    #difference .ctc-mobile-details {
      display: block !important;
    }

    #difference .ctc-mobile-more {
      display: none !important;
    }

    #difference .ctc-whyus-long-copy {
      display: none !important;
    }

    /* Mobile-only progressive disclosure for value cards */
    #difference .shock-cards {
      gap: 10px;
    }

    #difference .shock-card {
      border-radius: var(--radius-md) !important;
      padding: 16px 16px 14px;
    }

    #difference .shock-card .shock-card-headline {
      margin-bottom: 0;
      padding-right: 24px;
      position: relative;
      cursor: pointer;
    }

    #difference .shock-card .shock-card-headline::after {
      content: "+";
      position: absolute;
      right: 0;
      top: 0;
      color: var(--gold);
      font-size: 1rem;
      line-height: 1;
    }

    #difference .shock-card .shock-card-body,
    #difference .shock-card .shock-card-proof {
      display: none;
      margin-top: 10px;
    }

    #difference .shock-card.is-open .shock-card-headline::after {
      content: "-";
    }

    #difference .shock-card.is-open .shock-card-body,
    #difference .shock-card.is-open .shock-card-proof {
      display: block;
    }

    #difference .promise-strip {
      padding: 28px 0;
    }

    #difference .promise-inner {
      grid-template-columns: 1fr;
      gap: 10px;
    }

    #difference .promise-item {
      padding: 14px !important;
      border: 1px solid rgba(12, 12, 12, 0.18);
      border-radius: 12px;
      border-right: none;
      border-bottom: none;
      background: rgba(255, 255, 255, 0.22);
    }

    #difference .promise-item:first-child {
      padding-left: 14px;
    }

    #difference .promise-title {
      margin-bottom: 0;
      padding-right: 24px;
      position: relative;
      cursor: pointer;
    }

    #difference .promise-title::after {
      content: "+";
      position: absolute;
      right: 0;
      top: 0;
      color: rgba(12, 12, 12, 0.72);
      font-size: 1rem;
      line-height: 1;
    }

    #difference .promise-text {
      display: none;
      margin-top: 10px;
    }

    #difference .promise-item.is-open .promise-title::after {
      content: "-";
    }

    #difference .promise-item.is-open .promise-text {
      display: block;
    }


    #team .team-more-toggle {
      display: none !important;
    }

    #team .team-more-content {
      display: block !important;
    }

    .mobile-sticky-cta {
      padding: 10px 14px;
      gap: 8px;
    }

    .mobile-sticky-cta a {
      max-width: none;
      font-size: 0.84rem;
    }

    .mobile-sticky-cta .sticky-text {
      background: var(--gold);
      color: var(--black);
      border: 1px solid var(--gold);
      flex: 1.2;
    }

    .mobile-sticky-cta .sticky-call {
      background: rgba(12, 12, 12, 0.92);
      color: var(--white);
      border: 1px solid rgba(255, 255, 255, 0.22);
      flex: 1;
    }
  }




  /* V20 tool CSS - scoped, with button color override */
  #ctc-tool,
  #ctc-tool *,
  #ctc-tool *::before,
  #ctc-tool *::after {
    box-sizing: border-box !important;
    margin: 0;
    padding: 0;
    font-family: 'Inter', sans-serif !important;
    -webkit-font-smoothing: antialiased
  }

  #ctc-tool {
    width: 100% !important;
    max-width: 100% !important;
    margin: 0 !important;
    padding: 0 !important;
    background: #F7F6F2 !important;
    color: #1A1A2E !important;
    font-size: 16px !important;
    line-height: 1.5 !important;
    overflow-x: hidden
  }

  #ctc-tool img {
    max-width: 100%;
    height: auto
  }

  #ctc-tool a {
    color: inherit;
    text-decoration: none
  }

  #ctc-tool button {
    cursor: pointer;
    border: none;
    background: none;
    font-family: 'Inter', sans-serif !important
  }

  #ctc-tool b,
  #ctc-tool strong {
    font-weight: 700 !important
  }

  #ctc-tool {
    --nv: #1A1A2E;
    --nv2: #10111f;
    --bl: #C9922A;
    --bl2: #B8821F;
    --blp: #FDF6E8;
    --gd: #C9922A;
    --gd2: #b8862a;
    --cr: #F7F6F2;
    --wh: #FFFFFF;
    --alt: #F0F2F5;
    --g1: #F0EFE9;
    --g2: #E2E0D8;
    --g3: #CBC8BC;
    --g4: #9E9B8F;
    --g6: #5A5850;
    --gn: #2E7D32;
    --gnp: #E8F5E9;
    --rd: #C62828;
    --rdp: #FFEBEE;
    --am: #E65100;
    --amp: #FFF3E0;
    --r: 8px;
  }

  /* Tool area (no hero) */
  #ctc-tool .tool {
    padding: 32px 20px 40px !important;
    width: 100% !important
  }

  #ctc-tool .tool.no-hero {
    padding-top: 12px !important
  }

  #ctc-tool .tool-in {
    max-width: 960px;
    margin: 0 auto
  }

  /* Steps */
  #ctc-tool .stp {
    background: var(--wh) !important;
    border: 1px solid var(--g2) !important;
    border-radius: var(--r) !important;
    padding: 28px 24px !important;
    display: none;
    margin-bottom: 20px;
    max-width: 640px;
    margin-left: auto;
    margin-right: auto
  }

  #ctc-tool .stp.on {
    display: block !important;
    animation: ctcF .3s ease
  }

  @keyframes ctcF {
    from {
      opacity: 0;
      transform: translateY(8px)
    }

    to {
      opacity: 1;
      transform: none
    }
  }

  #ctc-tool .stp-h {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 24px;
    gap: 12px
  }

  #ctc-tool .stp-h h2 {
    font-family: 'DM Serif Display', serif !important;
    font-size: 22px !important;
    color: var(--nv) !important;
    margin-bottom: 4px !important;
    font-weight: 400 !important;
    line-height: 1.3 !important
  }

  #ctc-tool .stp-h p {
    font-size: 13px !important;
    color: var(--g6) !important;
    line-height: 1.5 !important
  }

  #ctc-tool .stp-ind {
    font-size: 11px !important;
    color: var(--g4) !important;
    font-weight: 500 !important;
    white-space: nowrap;
    padding-top: 4px
  }

  /* Fields */
  #ctc-tool .fld {
    margin-bottom: 20px
  }

  #ctc-tool .fld-l {
    font-size: 13px !important;
    font-weight: 600 !important;
    color: var(--nv) !important;
    margin-bottom: 6px !important;
    display: block !important;
    line-height: 1.4 !important
  }

  #ctc-tool .fld-w {
    position: relative
  }

  #ctc-tool .fld-pfx {
    position: absolute !important;
    left: 12px !important;
    top: 50% !important;
    transform: translateY(-50%) !important;
    font-size: 15px !important;
    color: var(--g4) !important;
    font-weight: 500 !important;
    pointer-events: none;
    z-index: 1
  }

  #ctc-tool .fld-i {
    width: 100% !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    padding: 14px 14px 14px 30px !important;
    font-family: 'Inter', sans-serif !important;
    font-size: 16px !important;
    color: var(--nv) !important;
    background: var(--wh) !important;
    outline: none !important;
    -webkit-appearance: none !important;
    -moz-appearance: textfield !important;
    appearance: none !important;
    box-shadow: none !important;
    height: auto !important;
    line-height: 1.4 !important;
    transition: border-color .2s !important
  }

  #ctc-tool .fld-i::-webkit-outer-spin-button,
  #ctc-tool .fld-i::-webkit-inner-spin-button {
    -webkit-appearance: none !important;
    appearance: none !important;
    margin: 0
  }

  #ctc-tool .fld-i:focus {
    border-color: var(--bl) !important;
    box-shadow: 0 0 0 2px rgba(201, 146, 42, .08) !important
  }

  #ctc-tool .fld-i::placeholder {
    color: var(--g3) !important;
    opacity: 1 !important
  }

  #ctc-tool .fld-m {
    font-size: 11px !important;
    color: var(--g4) !important;
    margin-top: 5px !important;
    line-height: 1.4 !important
  }

  #ctc-tool .fld-e {
    font-size: 11px !important;
    color: var(--rd) !important;
    margin-top: 3px !important;
    display: none
  }

  /* Toggle */
  #ctc-tool .tg-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 0 !important;
    border-top: 1px solid var(--g1);
    gap: 12px
  }

  #ctc-tool .tg-txt {
    font-size: 13px !important;
    font-weight: 600 !important;
    color: var(--nv) !important
  }

  #ctc-tool .tg-sub {
    font-size: 11px !important;
    color: var(--g4) !important;
    margin-top: 1px
  }

  #ctc-tool .tgl {
    position: relative;
    width: 44px;
    height: 28px;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    flex-shrink: 0
  }

  #ctc-tool .tgl input {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0
  }

  #ctc-tool .tgl-tr {
    width: 44px;
    height: 28px;
    border-radius: 14px;
    background: var(--g2);
    position: absolute;
    transition: background .2s
  }

  #ctc-tool .tgl input:checked+.tgl-tr {
    background: var(--gd)
  }

  #ctc-tool .tgl.gold input:checked+.tgl-tr {
    background: var(--gd)
  }

  #ctc-tool .tgl-th {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #fff;
    box-shadow: 0 1px 3px rgba(0, 0, 0, .2);
    position: absolute;
    left: 3px;
    transition: left .2s;
    top: 3px
  }

  #ctc-tool .tgl input:checked~.tgl-th {
    left: 19px
  }

  #ctc-tool .tg-badge {
    display: none;
    font-size: 9px !important;
    font-weight: 700 !important;
    color: var(--gd) !important;
    background: var(--blp) !important;
    padding: 2px 7px !important;
    border-radius: 4px !important;
    margin-left: 8px;
    letter-spacing: .04em;
    text-transform: uppercase;
    vertical-align: middle
  }

  #ctc-tool .tgl input:checked~.tg-badge {
    display: inline-block
  }

  #ctc-tool .cond {
    display: none;
    padding-top: 12px
  }

  #ctc-tool .cond.vis {
    display: block;
    animation: ctcF .25s ease
  }

  /* Buttons - gold themed */
  #ctc-tool .nav-r {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 28px
  }

  #ctc-tool .btn-bk {
    padding: 10px 18px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    background: none !important;
    font-size: 13px !important;
    color: var(--g4) !important;
    transition: all .2s
  }

  #ctc-tool .btn-bk:hover {
    border-color: var(--g3) !important;
    color: var(--g6) !important
  }

  #ctc-tool .btn-ct {
    padding: 12px 28px !important;
    border: none !important;
    border-radius: 6px !important;
    background: var(--gd) !important;
    color: #fff !important;
    font-size: 14px !important;
    font-weight: 600 !important;
    transition: background .2s;
    margin-left: auto
  }

  #ctc-tool .btn-ct:hover {
    background: var(--gd2) !important
  }

  #ctc-tool .btn-gd {
    padding: 14px 32px !important;
    border: none !important;
    border-radius: 6px !important;
    background: var(--gd) !important;
    color: #fff !important;
    font-size: 15px !important;
    font-weight: 600 !important;
    transition: background .2s;
    margin-left: auto
  }

  #ctc-tool .btn-gd:hover {
    background: var(--gd2) !important
  }

  /* Results */
  #ctc-tool .res {
    display: none
  }

  #ctc-tool .res.vis {
    display: block !important;
    animation: ctcF .35s ease
  }

  #ctc-tool .res-hero {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 32px;
  }

  #ctc-tool .hero-box {
    background: #ffffff;
    padding: 24px;
    border-radius: 12px;
    border: 1px solid rgba(0, 0, 0, 0.06);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.03);
    transition: transform 0.2s ease;
  }

  #ctc-tool .hero-box:hover {
    transform: translateY(-2px);
  }

  #ctc-tool .hero-label {
    font-size: 0.7rem;
    color: var(--gray);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-weight: 700;
  }

  #ctc-tool .hero-val {
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--black);
    line-height: 1;
    letter-spacing: -0.02em;
  }

  #ctc-tool .hero-meta {
    font-size: 0.85rem;
    color: var(--gray);
    margin-top: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
  }

  #ctc-tool .res-ledger {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    border-top: 1px solid rgba(0, 0, 0, 0.1);
    padding-top: 32px;
    margin-bottom: 32px;
  }

  #ctc-tool .ledger-t {
    font-size: 0.9rem;
    font-weight: 800;
    margin-bottom: 20px;
    color: var(--black);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    opacity: 0.7;
  }

  #ctc-tool .ledger-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    font-size: 0.95rem;
    border-bottom: 1px solid rgba(0, 0, 0, 0.04);
    color: #374151;
  }

  #ctc-tool .ledger-row:last-child {
    border-bottom: none;
  }

  #ctc-tool .res-controls {
    background: #f8f9fa;
    padding: 32px;
    border-radius: 16px;
    border: 1px solid rgba(0, 0, 0, 0.03);
  }

  #ctc-tool .res-ctrl-t {
    font-size: 0.8rem;
    font-weight: 800;
    margin-bottom: 16px;
    color: var(--gray);
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }

  @media (max-width: 850px) {

    #ctc-tool .res-hero,
    #ctc-tool .res-ledger {
      grid-template-columns: 1fr;
      gap: 24px;
    }

    #ctc-tool .res-ledger {
      gap: 40px;
    }
  }

  #ctc-tool .res-grid {
    display: block
  }

  @media(min-width:900px) {
    #ctc-tool .res-grid {
      display: grid !important;
      grid-template-columns: 55% 45% !important;
      gap: 0 28px !important;
      align-items: start
    }
  }

  #ctc-tool .res-left,
  #ctc-tool .res-right {
    min-width: 0
  }

  #ctc-tool .card {
    background: var(--wh) !important;
    border: 1px solid var(--g2) !important;
    border-radius: var(--r) !important;
    padding: 24px !important;
    margin-bottom: 16px
  }

  #ctc-tool .card-accent {
    border-left: 3px solid var(--gd) !important
  }

  #ctc-tool .rate-w {
    display: none !important;
  }

  #ctc-tool .rate-w.vis {
    display: flex !important;
    align-items: center;
  }

  #ctc-tool .ptog {
    display: flex;
    gap: 8px;
  }

  #ctc-tool .pb {
    flex: 1;
    min-height: 54px;
    height: 54px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    border-radius: 6px;
    transition: all 0.2s !important;
  }

  #ctc-tool .pb.on {
    background: var(--navy-deep) !important;
    color: var(--white) !important;
    font-weight: 700 !important;
  }

  #ctc-tool .res-ctrl-h>div>div:last-child {
    min-height: 54px;
  }

  #ctc-tool .st-g .fld-w {
    background: #fff !important;
  }

  #ctc-tool .res-ctrl-t {
    letter-spacing: .08em !important;
    text-transform: uppercase !important;
    color: var(--g4) !important;
    margin-bottom: 14px !important;
  }

  @media(min-width:900px) {
    #ctc-tool .sec-t {
      font-size: 12px !important
    }
  }

  /* Summary */
  #ctc-tool .sr {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 4px 0;
    font-size: 14px !important
  }

  #ctc-tool .sr .sl {
    color: var(--g6) !important
  }

  #ctc-tool .sr .sv {
    font-weight: 600 !important;
    color: var(--nv) !important
  }

  #ctc-tool .s-pl {
    font-size: 12px !important;
    color: var(--g4) !important;
    margin-top: 12px
  }

  #ctc-tool .s-pay {
    font-family: 'Bebas Neue', sans-serif !important;
    font-size: clamp(36px, 7vw, 48px) !important;
    color: var(--nv) !important;
    letter-spacing: -.02em;
    line-height: 1.1 !important;
    margin: 4px 0 !important
  }

  #ctc-tool .s-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 6px 16px;
    margin-top: 12px;
    font-size: 13px !important;
    color: var(--g4) !important
  }

  #ctc-tool .s-meta strong {
    color: var(--nv) !important;
    font-weight: 600 !important
  }

  #ctc-tool .s-note {
    font-size: 12px !important;
    color: var(--g4) !important;
    line-height: 1.5 !important;
    margin-top: 12px
  }

  #ctc-tool .s-tens {
    font-size: 12px !important;
    color: var(--gd) !important;
    font-weight: 500 !important;
    margin-top: 4px
  }

  #ctc-tool .e-cta {
    margin-top: 14px !important;
    font-size: 14px !important;
    color: var(--g6) !important;
    padding: 12px 16px !important;
    background: var(--g1) !important;
    border-radius: 6px !important;
    border-left: 3px solid var(--gd) !important
  }

  #ctc-tool .e-cta a {
    color: var(--nv) !important;
    font-weight: 700 !important
  }

  /* Rate */
  #ctc-tool .rate-c {
    margin-top: 12px;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 10px
  }

  #ctc-tool .btn-ol {
    padding: 8px 18px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    background: none !important;
    font-size: 13px !important;
    font-weight: 600 !important;
    color: var(--nv) !important;
    transition: all .2s
  }

  #ctc-tool .btn-ol:hover {
    border-color: var(--gd) !important;
    color: var(--gd) !important
  }

  #ctc-tool .rate-w {
    display: none;
    align-items: center;
    gap: 8px
  }

  #ctc-tool .rate-w.vis {
    display: flex
  }

  #ctc-tool .rate-w input {
    width: 90px !important;
    padding: 8px 10px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    font-size: 14px !important;
    color: var(--nv) !important;
    outline: none !important;
    background: var(--wh) !important;
    box-shadow: none !important;
    -webkit-appearance: none !important;
    appearance: none !important
  }

  #ctc-tool .rate-w input:focus {
    border-color: var(--gd) !important
  }

  #ctc-tool .rate-w span {
    font-size: 13px !important;
    color: var(--g4) !important
  }

  /* Breakdown */
  #ctc-tool .br {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 7px 0;
    font-size: 13px !important
  }

  @media(min-width:900px) {
    #ctc-tool .br {
      font-size: 14px !important
    }
  }

  #ctc-tool .br-l {
    color: var(--g6) !important;
    display: flex;
    align-items: center;
    gap: 8px
  }

  #ctc-tool .br-d {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    flex-shrink: 0
  }

  #ctc-tool .br-v {
    font-weight: 600 !important;
    color: var(--nv) !important
  }

  #ctc-tool .br-tot {
    border-top: 2px solid var(--nv) !important;
    margin-top: 6px;
    padding-top: 10px;
    font-weight: 700 !important
  }

  #ctc-tool .br-tot .br-v {
    font-size: 15px !important
  }

  #ctc-tool .pmi-s {
    padding: 3px 8px !important;
    border: 1px solid var(--g2) !important;
    border-radius: 4px !important;
    font-size: 11px !important;
    color: var(--gd) !important;
    background: var(--wh) !important;
    cursor: pointer;
    margin-left: 6px;
    -webkit-appearance: auto !important;
    appearance: auto !important
  }

  /* Program */
  #ctc-tool .ptog {
    display: inline-flex;
    border: 1.5px solid var(--g2);
    border-radius: 6px;
    overflow: hidden
  }

  #ctc-tool .pb {
    padding: 10px 20px !important;
    border: none !important;
    background: none !important;
    font-size: 13px !important;
    font-weight: 600 !important;
    color: var(--g4) !important;
    border-right: 1px solid var(--g2) !important;
    transition: all .2s
  }

  #ctc-tool .pb:last-child {
    border-right: none !important
  }

  #ctc-tool .pb.on {
    background: var(--nv) !important;
    color: #fff !important
  }

  #ctc-tool .pb:hover:not(.on) {
    background: var(--g1) !important;
    color: var(--nv) !important
  }

  #ctc-tool .pdesc {
    font-size: 12px !important;
    color: var(--g4) !important;
    margin-top: 10px;
    line-height: 1.5 !important
  }

  #ctc-tool .fthb {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 0 0;
    gap: 12px
  }

  #ctc-tool .fthb-t {
    font-size: 12px !important;
    font-weight: 600 !important;
    color: var(--nv) !important
  }

  #ctc-tool .fthb-s {
    font-size: 10px !important;
    color: var(--g4) !important;
    margin-top: 1px
  }

  #ctc-tool .dpw {
    display: none;
    margin-top: 12px;
    padding: 10px 14px;
    border-radius: 6px;
    font-size: 12px !important;
    line-height: 1.5 !important;
    background: var(--amp) !important;
    color: var(--am) !important;
    border-left: 3px solid var(--am)
  }

  #ctc-tool .dpw.vis {
    display: block
  }

  /* Data rows */
  #ctc-tool .dr {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 10px 0;
    border-bottom: 1px solid var(--g1);
    font-size: 14px !important
  }

  #ctc-tool .dr:last-child {
    border-bottom: none
  }

  #ctc-tool .dr-l {
    color: var(--g6) !important
  }

  #ctc-tool .dr-v {
    text-align: right
  }

  #ctc-tool .dr-v .pri {
    font-weight: 700 !important;
    color: var(--nv) !important;
    display: block
  }

  #ctc-tool .dr-v .ctx {
    font-size: 11px !important;
    color: var(--g4) !important
  }

  #ctc-tool .dr-tot {
    border-top: 2px solid var(--nv) !important;
    border-bottom: none !important;
    margin-top: 4px;
    padding-top: 12px
  }

  #ctc-tool .dr-tot .dr-l {
    font-weight: 700 !important;
    color: var(--nv) !important
  }

  #ctc-tool .dr-tot .pri {
    font-size: 16px !important
  }

  /* Expandable */
  #ctc-tool .xt {
    font-size: 12px !important;
    color: var(--gd) !important;
    background: none !important;
    border: none !important;
    cursor: pointer;
    font-weight: 500 !important;
    padding: 0 !important;
    text-decoration: underline;
    text-underline-offset: 2px
  }

  #ctc-tool .xb {
    display: none;
    padding: 8px 0 4px;
    font-size: 12px !important;
    color: var(--g6) !important;
    line-height: 1.5 !important
  }

  #ctc-tool .xb.vis {
    display: block
  }

  #ctc-tool .edu {
    margin-top: 8px !important;
    padding: 12px 14px !important;
    border-radius: 6px !important;
    font-size: 12px !important;
    line-height: 1.6 !important;
    background: var(--blp) !important;
    color: var(--nv) !important
  }

  /* Collapsible */
  #ctc-tool .col-t {
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    background: none !important;
    border: none !important;
    cursor: pointer;
    padding: 0 !important;
    text-align: left
  }

  #ctc-tool .col-t .chv {
    transition: transform .2s;
    color: var(--g4);
    flex-shrink: 0
  }

  #ctc-tool .col-t[aria-expanded="true"] .chv {
    transform: rotate(180deg)
  }

  #ctc-tool .col-b {
    max-height: 0;
    overflow: hidden;
    transition: max-height .35s ease
  }

  #ctc-tool .col-b.open {
    max-height: 2000px
  }

  #ctc-tool .tt-t {
    font-family: 'Bebas Neue', sans-serif !important;
    font-size: 18px !important;
    color: var(--nv) !important;
    line-height: 1.3 !important
  }

  #ctc-tool .tt-s {
    font-size: 13px !important;
    color: var(--gd) !important;
    margin-top: 3px;
    font-weight: 500 !important
  }

  #ctc-tool .tr-r {
    padding: 10px 0;
    border-bottom: 1px solid var(--g1)
  }

  #ctc-tool .tr-r:last-child {
    border-bottom: none
  }

  #ctc-tool .tr-l {
    font-size: 13px !important;
    font-weight: 700 !important;
    color: var(--nv) !important
  }

  #ctc-tool .tr-id {
    font-size: 11px !important;
    color: var(--gd) !important;
    font-weight: 600 !important;
    margin-left: 6px
  }

  #ctc-tool .tr-d {
    font-size: 13px !important;
    color: var(--g6) !important;
    margin-top: 3px;
    line-height: 1.5 !important
  }

  #ctc-tool .tr-sv {
    color: var(--gn) !important;
    font-weight: 700 !important
  }

  /* Grid Layouts & Responsiveness */
  #ctc-tool .res-hero {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  #ctc-tool .res-ctrl-h {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 24px;
    align-items: end;
    margin-bottom: 32px;
  }

  #ctc-tool .st-g {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 24px;
  }

  @media(max-width: 768px) {

    #ctc-tool .res-hero,
    #ctc-tool .res-ctrl-h,
    #ctc-tool .st-g {
      grid-template-columns: 1fr !important;
      gap: 20px !important;
    }

    #ctc-tool .res-ctrl-h {
      margin-bottom: 24px;
    }
  }

  #ctc-tool .st-m {
    font-size: 11px !important;
    color: var(--g4) !important;
    margin-top: 8px
  }

  /* Assumptions */
  #ctc-tool .asm-trigger-title {
    font-size: 14px !important;
    font-weight: 600 !important;
    color: var(--nv) !important
  }

  #ctc-tool .asm-trigger-sub {
    font-size: 12px !important;
    color: var(--gd) !important;
    font-weight: 500 !important;
    margin-top: 2px
  }

  #ctc-tool .ar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px solid var(--g1);
    font-size: 13px !important
  }

  #ctc-tool .ar:last-child {
    border-bottom: none
  }

  #ctc-tool .ar-l {
    color: var(--g6) !important
  }

  #ctc-tool .ar-v {
    font-weight: 600 !important;
    color: var(--nv) !important;
    display: flex;
    align-items: center;
    gap: 8px
  }

  #ctc-tool .ar-sw {
    font-size: 11px !important;
    color: var(--gd) !important;
    background: none !important;
    border: none !important;
    cursor: pointer;
    font-weight: 500 !important;
    text-decoration: underline;
    text-underline-offset: 2px;
    padding: 0 !important
  }

  #ctc-tool .ar-e {
    display: none;
    padding: 6px 0 10px;
    gap: 8px;
    align-items: center;
    font-size: 13px !important;
    flex-wrap: wrap
  }

  #ctc-tool .ar-e.vis {
    display: flex
  }

  #ctc-tool .ar-e input,
  #ctc-tool .ar-e select {
    padding: 6px 10px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    font-size: 13px !important;
    color: var(--nv) !important;
    outline: none !important;
    background: var(--wh) !important;
    box-shadow: none !important;
    -webkit-appearance: auto !important;
    appearance: auto !important
  }

  #ctc-tool .ar-e input:focus,
  #ctc-tool .ar-e select:focus {
    border-color: var(--gd) !important
  }

  #ctc-tool .ar-u {
    font-size: 12px !important;
    color: var(--g4) !important
  }

  #ctc-tool .ar-ex {
    font-size: 11px !important;
    color: var(--g4) !important;
    line-height: 1.5 !important;
    padding: 4px 0 8px;
    border-bottom: 1px solid var(--g1)
  }

  #ctc-tool .disc {
    font-size: 11px !important;
    color: var(--g4) !important;
    padding-top: 16px;
    margin-top: 8px;
    border-top: 1px solid var(--g2);
    line-height: 1.5 !important
  }

  /* CTA */
  #ctc-tool .cta-b {
    background: var(--nv) !important;
    border-radius: var(--r) !important;
    padding: 36px 24px !important;
    text-align: center;
    margin-top: 24px
  }

  #ctc-tool .cta-b h2 {
    font-family: 'Bebas Neue', sans-serif !important;
    font-size: 22px !important;
    color: #fff !important;
    margin-bottom: 6px !important
  }

  #ctc-tool .cta-sb {
    font-size: 13px !important;
    color: rgba(255, 255, 255, .5) !important;
    margin-bottom: 24px
  }

  #ctc-tool .lf {
    display: flex;
    flex-direction: column;
    gap: 10px;
    max-width: 320px;
    margin: 0 auto 14px
  }

  #ctc-tool .lf input {
    padding: 12px 14px !important;
    border-radius: 6px !important;
    border: 1px solid rgba(255, 255, 255, .12) !important;
    background: rgba(255, 255, 255, .06) !important;
    color: #fff !important;
    font-size: 14px !important;
    box-shadow: none !important;
    height: auto !important
  }

  #ctc-tool .lf input::placeholder {
    color: rgba(255, 255, 255, .3) !important
  }

  #ctc-tool .lf input:focus {
    border-color: var(--gd) !important;
    outline: none !important
  }

  #ctc-tool .btn-ld {
    padding: 14px 28px !important;
    border: none !important;
    border-radius: 6px !important;
    background: var(--gd) !important;
    color: #fff !important;
    font-size: 15px !important;
    font-weight: 600 !important;
    transition: background .2s
  }

  #ctc-tool .btn-ld:hover {
    background: var(--gd2) !important
  }

  #ctc-tool .btn-ld:disabled {
    background: rgba(255, 255, 255, .15) !important;
    cursor: not-allowed
  }

  #ctc-tool .lm {
    font-size: 14px !important;
    margin-top: 8px;
    display: none
  }

  #ctc-tool .lm.vis {
    display: block
  }

  #ctc-tool .lm-ok {
    color: var(--gd) !important
  }

  #ctc-tool .lm-er {
    color: #ff8a80 !important
  }

  #ctc-tool .cta-a {
    font-size: 13px !important;
    color: rgba(255, 255, 255, .4) !important;
    margin-top: 4px
  }

  #ctc-tool .cta-a a {
    color: var(--gd) !important;
    font-weight: 600 !important
  }

  #ctc-tool .cta-au {
    margin-top: 20px;
    font-size: 11px !important;
    color: rgba(255, 255, 255, .25) !important;
    letter-spacing: .02em
  }

  /* Reset */
  #ctc-tool .rst-w {
    text-align: center;
    margin-top: 16px
  }

  #ctc-tool .btn-rs {
    padding: 10px 20px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    background: var(--wh) !important;
    font-size: 13px !important;
    color: var(--g4) !important;
    transition: all .2s
  }

  #ctc-tool .btn-rs:hover {
    border-color: var(--g3) !important;
    color: var(--g6) !important
  }

  /* Full-width sections */
  #ctc-tool .fw-sec {
    background: var(--wh) !important;
    border: 1px solid var(--g2) !important;
    border-radius: var(--r) !important;
    padding: 24px !important;
    margin-bottom: 16px
  }

  /* Skip Link */
  .ctc-skip-link {
    position: absolute;
    top: -100px;
    left: 0;
    background: var(--gold);
    color: var(--black);
    padding: 10px 20px;
    z-index: 1000;
    font-weight: 700;
    transition: top 0.3s;
  }

  .ctc-skip-link:focus {
    top: 0;
  }

  /* Screen Reader Only Utility */
  .sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border-width: 0;
  }
    appearance: auto !important
  }

  #ctc-tool .ar-e input:focus,
  #ctc-tool .ar-e select:focus {
    border-color: var(--gd) !important
  }

  #ctc-tool .ar-u {
    font-size: 12px !important;
    color: var(--g4) !important
  }

  #ctc-tool .ar-ex {
    font-size: 11px !important;
    color: var(--g4) !important;
    line-height: 1.5 !important;
    padding: 4px 0 8px;
    border-bottom: 1px solid var(--g1)
  }

  #ctc-tool .disc {
    font-size: 11px !important;
    color: var(--g4) !important;
    padding-top: 16px;
    margin-top: 8px;
    border-top: 1px solid var(--g2);
    line-height: 1.5 !important
  }

  /* CTA */
  #ctc-tool .cta-b {
    background: var(--nv) !important;
    border-radius: var(--r) !important;
    padding: 36px 24px !important;
    text-align: center;
    margin-top: 24px
  }

  #ctc-tool .cta-b h2 {
    font-family: 'Bebas Neue', sans-serif !important;
    font-size: 22px !important;
    color: #fff !important;
    margin-bottom: 6px !important
  }

  #ctc-tool .cta-sb {
    font-size: 13px !important;
    color: rgba(255, 255, 255, .5) !important;
    margin-bottom: 24px
  }

  #ctc-tool .lf {
    display: flex;
    flex-direction: column;
    gap: 10px;
    max-width: 320px;
    margin: 0 auto 14px
  }

  #ctc-tool .lf input {
    padding: 12px 14px !important;
    border-radius: 6px !important;
    border: 1px solid rgba(255, 255, 255, .12) !important;
    background: rgba(255, 255, 255, .06) !important;
    color: #fff !important;
    font-size: 14px !important;
    box-shadow: none !important;
    height: auto !important
  }

  #ctc-tool .lf input::placeholder {
    color: rgba(255, 255, 255, .3) !important
  }

  #ctc-tool .lf input:focus {
    border-color: var(--gd) !important;
    outline: none !important
  }

  #ctc-tool .btn-ld {
    padding: 14px 28px !important;
    border: none !important;
    border-radius: 6px !important;
    background: var(--gd) !important;
    color: #fff !important;
    font-size: 15px !important;
    font-weight: 600 !important;
    transition: background .2s
  }

  #ctc-tool .btn-ld:hover {
    background: var(--gd2) !important
  }

  #ctc-tool .btn-ld:disabled {
    background: rgba(255, 255, 255, .15) !important;
    cursor: not-allowed
  }

  #ctc-tool .lm {
    font-size: 14px !important;
    margin-top: 8px;
    display: none
  }

  #ctc-tool .lm.vis {
    display: block
  }

  #ctc-tool .lm-ok {
    color: var(--gd) !important
  }

  #ctc-tool .lm-er {
    color: #ff8a80 !important
  }

  #ctc-tool .cta-a {
    font-size: 13px !important;
    color: rgba(255, 255, 255, .4) !important;
    margin-top: 4px
  }

  #ctc-tool .cta-a a {
    color: var(--gd) !important;
    font-weight: 600 !important
  }

  #ctc-tool .cta-au {
    margin-top: 20px;
    font-size: 11px !important;
    color: rgba(255, 255, 255, .25) !important;
    letter-spacing: .02em
  }

  /* Reset */
  #ctc-tool .rst-w {
    text-align: center;
    margin-top: 16px
  }

  #ctc-tool .btn-rs {
    padding: 10px 20px !important;
    border: 1.5px solid var(--g2) !important;
    border-radius: 6px !important;
    background: var(--wh) !important;
    font-size: 13px !important;
    color: var(--g4) !important;
    transition: all .2s
  }

  #ctc-tool .btn-rs:hover {
    border-color: var(--g3) !important;
    color: var(--g6) !important
  }

  /* Full-width sections */
  #ctc-tool .fw-sec {
    background: var(--wh) !important;
    border: 1px solid var(--g2) !important;
    border-radius: var(--r) !important;
    padding: 24px !important;
    margin-bottom: 16px
  }

  /* Skip Link */
  .ctc-skip-link {
    position: absolute;
    top: -100px;
    left: 0;
    background: var(--gold);
    color: var(--black);
    padding: 10px 20px;
    z-index: 1000;
    font-weight: 700;
    transition: top 0.3s;
  }

  .ctc-skip-link:focus {
    top: 0;
  }

  /* Screen Reader Only Utility */
  .sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border-width: 0;
  }

  .vis {
    display: block !important;
  }

  /* Calculator Edit Buttons */
  .ar-sw {
    font-size: 0.7rem !important;
    color: var(--gold) !important;
    text-decoration: underline !important;
    cursor: pointer !important;
    margin-left: 8px !important;
    font-weight: 600 !important;
    opacity: 0.8 !important;
    transition: opacity 0.2s !important;
  }

  .ar-sw:hover {
    opacity: 1 !important;
  }

  /* ====================================================
   FIRE TRUCK BRAND STORY SECTION
   ==================================================== */
  #brand-story {
    padding: 100px 0;
    background: var(--charcoal);
    color: var(--white);
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(255, 179, 71, 0.1);
    border-bottom: 1px solid rgba(255, 179, 71, 0.1);
  }

  #brand-story::before {
    content: "";
    position: absolute;
    top: -200px;
    left: -200px;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(242, 106, 33, 0.06) 0%, transparent 70%);
    pointer-events: none;
  }

  .brand-story-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
  }

  .brand-story-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 60px;
    align-items: center;
  }

  @media (min-width: 992px) {
    .brand-story-grid {
      grid-template-columns: 1.15fr 0.85fr;
      gap: 80px;
    }
  }

  .brand-story-content {
    display: flex;
    flex-direction: column;
  }

  .brand-story-content .eyebrow {
    color: var(--gold);
    margin-bottom: 16px;
  }

  .brand-story-content h2 {
    font-size: clamp(3rem, 5vw, 4.8rem);
    line-height: 0.95;
    margin-bottom: 24px;
  }

  .brand-story-content h2 em {
    font-style: normal;
    color: var(--gold);
  }

  .brand-story-lead {
    font-size: 1.3rem;
    line-height: 1.6;
    color: var(--gold-pale);
    margin-bottom: 20px;
    font-weight: 500;
  }

  .brand-story-text {
    font-size: 1rem;
    line-height: 1.7;
    color: rgba(255, 249, 245, 0.72);
    margin-bottom: 40px;
  }

  /* Analogy Grid */
  .analogy-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
    margin-bottom: 40px;
  }

  @media (min-width: 640px) {
    .analogy-grid {
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }
  }

  .analogy-card {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.06);
    border-radius: var(--radius-md);
    padding: 24px;
    transition: all var(--transition);
  }

  .analogy-card:hover {
    background: rgba(255, 255, 255, 0.05);
    border-color: rgba(242, 106, 33, 0.3);
    transform: translateY(-4px);
  }

  .analogy-number {
    display: block;
    font-family: 'Bebas Neue', sans-serif;
    font-size: 2rem;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 12px;
  }

  .analogy-card h3 {
    font-size: 1.3rem;
    color: var(--white);
    margin-bottom: 10px;
    letter-spacing: 0.02em;
  }

  .analogy-card p {
    font-size: 0.85rem;
    line-height: 1.6;
    color: rgba(255, 249, 245, 0.65);
  }

  /* Brand Story Note (Statewide) */
  .brand-story-note {
    background: rgba(242, 106, 33, 0.05);
    border-left: 3px solid var(--gold);
    border-radius: 4px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  @media (min-width: 640px) {
    .brand-story-note {
      flex-direction: row;
      align-items: center;
      gap: 20px;
    }
  }

  .note-badge {
    font-family: 'Manrope', sans-serif;
    font-size: 0.68rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold);
    background: rgba(242, 106, 33, 0.15);
    padding: 6px 12px;
    border-radius: 4px;
    white-space: nowrap;
    align-self: flex-start;
  }

  .brand-story-note p {
    font-size: 0.88rem;
    line-height: 1.6;
    color: rgba(255, 249, 245, 0.78);
    margin: 0;
  }

  /* Visual Column */
  .brand-story-visual {
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative;
  }

  .brand-story-visual::after {
    content: "";
    position: absolute;
    bottom: -50px;
    right: -50px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(242, 106, 33, 0.04) 0%, transparent 70%);
    pointer-events: none;
  }

  .visual-card {
    background: var(--navy-deep);
    border: 1px solid rgba(255, 179, 71, 0.15);
    border-radius: var(--radius-lg);
    padding: 32px;
    width: 100%;
    box-shadow: var(--shadow-lg);
    transition: all var(--transition);
  }

  .visual-card:hover {
    border-color: rgba(242, 106, 33, 0.4);
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.5);
  }

  .visual-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    padding-bottom: 16px;
    margin-bottom: 24px;
  }

  .visual-title {
    font-family: 'Bebas Neue', sans-serif;
    font-size: 1.4rem;
    color: var(--white);
    letter-spacing: 0.04em;
    text-transform: uppercase;
  }

  .visual-sub {
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 0.08em;
  }

  .truck-illustration {
    background: rgba(0, 0, 0, 0.2);
    border-radius: var(--radius-md);
    padding: 20px;
    display: flex;
    justify-content: center;
    align-items: center;
    border: 1px solid rgba(255, 255, 255, 0.04);
    margin-bottom: 24px;
  }

  .truck-svg {
    width: 100%;
    max-width: 320px;
    height: auto;
    filter: drop-shadow(0 8px 16px rgba(0, 0, 0, 0.4));
  }

  .visual-footer {
    display: flex;
    flex-direction: column;
    gap: 12px;
  }

  .visual-status-pill {
    align-self: flex-start;
    font-family: 'Manrope', sans-serif;
    font-size: 0.65rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: #4caf50;
    background: rgba(76, 175, 80, 0.1);
    padding: 4px 10px;
    border-radius: 99px;
    border: 1px solid rgba(76, 175, 80, 0.2);
  }

  .visual-footer p {
    font-size: 0.85rem;
    line-height: 1.6;
    color: rgba(255, 249, 245, 0.6);
    margin: 0;
  }


  /* ====================================================
   STATIC REVIEWS GRID STYLES
   ==================================================== */
  .reviews-grid.static-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    max-width: 1100px;
    margin: 0 auto 40px;
  }

  @media (max-width: 768px) {
    .reviews-grid.static-grid {
      grid-template-columns: 1fr;
      gap: 24px;
    }
  }