:root {
  --blue: #003087;
  --blue-dark: #001f5c;
  --blue-light: #e8edf5;
  --red: #C8102E;
  --gold: #FCBB30;
  --green: #00843D;
  --text: #1a1a1a;
  --text-2: #5a5a5a;
  --border: #d8d8d8;
  --bg: #ffffff;
  --bg-2: #f4f6f9;
  --radius: 6px;
  --shadow: 0 2px 16px rgba(0,0,0,0.10);
}

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

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--bg);
  font-size: 16px;
  line-height: 1.5;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* DEMO BANNER */
.demo-banner {
  background: #1a1a1a;
  color: #f5c518;
  text-align: center;
  padding: 8px 16px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.02em;
  position: sticky;
  top: 0;
  z-index: 1000;
}

/* HEADER */
header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: static;
  box-shadow: 0 1px 6px rgba(0,0,0,0.06);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 110px;
  display: flex;
  align-items: center;
  gap: 32px;
}

/* LOGO */
a.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.coat-svg { display: none; }

.logo-img {
  height: 96px;
  width: auto;
  display: block;
  flex-shrink: 0;
  object-fit: contain;
  margin-left: 16px;
}
.logo-text-block {
  display: flex;
  flex-direction: column;
}
.logo-name { display: none; }
.logo-sub { display: none; }
.logo-text-block { display: none; }

/* GOV STRIPE */
.gov-stripe {
  height: 4px;
  background: linear-gradient(90deg, var(--red) 0%, var(--red) 33%, var(--gold) 33%, var(--gold) 67%, var(--red) 67%);
}

nav {
  display: flex;
  gap: 24px;
  margin-left: auto;
}
nav a {
  color: var(--text);
  font-size: 14px;
  font-weight: 500;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: border-color 0.2s, color 0.2s;
  text-decoration: none;
}
nav a:hover, nav a.active {
  color: var(--blue);
  border-bottom-color: var(--blue);
}

.btn-header {
  background: var(--blue);
  color: #fff;
  border: none;
  padding: 10px 18px;
  border-radius: var(--radius);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
  white-space: nowrap;
  font-family: inherit;
}
.btn-header:hover { background: var(--blue-dark); }

/* BUTTONS */
.btn-primary {
  display: inline-block;
  background: var(--blue);
  color: #fff;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: background 0.2s, transform 0.1s;
  text-decoration: none;
  font-family: inherit;
}
.btn-primary:hover { background: var(--blue-dark); text-decoration: none; }
.btn-primary:active { transform: scale(0.98); }
.btn-primary.full-width { width: 100%; text-align: center; }

/* HERO */
.hero {
  background: linear-gradient(135deg, #001845 0%, #003087 60%, #004ab5 100%);
  color: #fff;
  padding: 72px 24px;
}
.hero-content {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 56px;
}
.hero-text { flex: 1; }
.hero-sub {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--gold);
  margin-bottom: 14px;
}
.hero-text h1 {
  font-family: 'Source Serif 4', serif;
  font-size: clamp(30px, 4.5vw, 50px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 18px;
}
.hero-text h1 span { color: var(--gold); }
.hero-desc {
  font-size: 17px;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  max-width: 460px;
}
.hero-card {
  background: #fff;
  color: var(--text);
  border-radius: 12px;
  padding: 28px 32px;
  min-width: 280px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.25);
  border-top: 4px solid var(--gold);
}
.card-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--text-2);
  margin-bottom: 18px;
  font-weight: 600;
}
.card-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
}
.card-row:last-child { border-bottom: none; }
.card-row span { color: var(--text-2); }
.card-row.highlight strong { color: var(--blue); font-size: 18px; font-weight: 700; }

/* FEATURES */
.features {
  background: var(--bg-2);
  padding: 64px 24px;
}
.features-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.feature-item {
  background: #fff;
  border-radius: 10px;
  padding: 28px 24px;
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
  border-top: 3px solid var(--blue);
}
.feature-icon { font-size: 28px; margin-bottom: 12px; }
.feature-item h3 { font-size: 15px; font-weight: 600; margin-bottom: 6px; }
.feature-item p { font-size: 14px; color: var(--text-2); }

/* CTA */
.cta-section {
  text-align: center;
  padding: 64px 24px;
  background: #fff;
}
.cta-section h2 {
  font-family: 'Source Serif 4', serif;
  font-size: 30px;
  font-weight: 700;
  margin-bottom: 10px;
}
.cta-section p { font-size: 17px; color: var(--text-2); margin-bottom: 28px; }

/* CALCULATOR */
.calc-main {
  max-width: 1100px;
  margin: 0 auto;
  padding: 48px 24px 64px;
}
.calc-container {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  align-items: start;
}
.calc-left h1 {
  font-family: 'Source Serif 4', serif;
  font-size: 30px;
  font-weight: 700;
  margin-bottom: 6px;
}
.calc-sub { color: var(--text-2); margin-bottom: 36px; }

.slider-group { margin-bottom: 32px; }
.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
  font-size: 14px;
  font-weight: 500;
}
.slider-label strong { color: var(--blue); font-size: 22px; font-weight: 700; }
.slider {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--blue);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,48,135,0.35);
}
.slider-limits {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--text-2);
  margin-top: 5px;
}

.calc-result {
  background: var(--bg-2);
  border-radius: 10px;
  padding: 22px 24px;
  margin-bottom: 24px;
  border-left: 4px solid var(--blue);
}
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.result-row:last-child { border-bottom: none; }
.result-row span { color: var(--text-2); }
.result-row.highlight strong { color: var(--blue); font-size: 20px; font-weight: 700; }

.info-box {
  background: var(--bg-2);
  border-radius: 10px;
  padding: 22px;
  margin-bottom: 16px;
}
.info-box h3 { font-size: 14px; font-weight: 600; margin-bottom: 14px; color: var(--blue); text-transform: uppercase; letter-spacing: 0.5px; }
.info-box ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.info-box li { font-size: 13px; color: var(--text); }
.info-box.safety { background: #fff8e1; border: 1px solid #f5c518; }
.info-box.safety p { font-size: 13px; color: var(--text-2); margin-bottom: 6px; }
.demo-note { color: #8B4500 !important; font-weight: 500; }

/* FORM */
.form-section {
  margin-top: 52px;
  padding-top: 40px;
  border-top: 2px solid var(--border);
}
.form-section h2 {
  font-family: 'Source Serif 4', serif;
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 6px;
}
.form-sub { color: var(--text-2); margin-bottom: 28px; font-size: 14px; }
.loan-form { max-width: 760px; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 12px; font-weight: 600; color: var(--text-2); text-transform: uppercase; letter-spacing: 0.5px; }
.form-group input {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  transition: border-color 0.2s;
  background: #fff;
}
.form-group input:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,48,135,0.08);
}
.form-summary {
  background: var(--blue-light);
  border-left: 4px solid var(--blue);
  border-radius: 4px;
  padding: 12px 16px;
  margin-bottom: 16px;
  font-size: 14px;
}
.form-consent { margin: 14px 0 22px; }
.checkbox-label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--text-2);
  cursor: pointer;
  line-height: 1.5;
}
.checkbox-label input[type=checkbox] { margin-top: 2px; accent-color: var(--blue); flex-shrink: 0; }

.field-hint {
  display: block;
  font-size: 12px;
  margin-top: 5px;
  color: var(--text-2);
  line-height: 1.4;
  min-height: 16px;
}
.field-hint.hint-ok { color: var(--green); }
.field-hint.hint-err { color: #c0392b; }
.form-group input.invalid { border-color: #c0392b; }
.form-group input.valid { border-color: var(--green); }

/* APPROVED */
.approved-main {
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: calc(100vh - 240px);
  padding: 48px 24px;
  background: var(--bg-2);
}
.approved-card {
  background: #fff;
  border-radius: 16px;
  padding: 48px 40px;
  max-width: 540px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow);
  border-top: 5px solid var(--green);
}
.approved-icon { font-size: 60px; margin-bottom: 16px; }
.approved-card h1 {
  font-family: 'Source Serif 4', serif;
  font-size: 30px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--green);
}
.approved-sub { color: var(--text-2); margin-bottom: 28px; font-size: 16px; }
.approved-details {
  background: var(--bg-2);
  border-radius: 8px;
  padding: 20px;
  margin-bottom: 20px;
  text-align: left;
}
.approved-msg {
  font-size: 14px;
  color: var(--text-2);
  margin-bottom: 16px;
  line-height: 1.6;
}
.approved-ref {
  background: var(--blue-light);
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 13px;
  color: var(--blue);
  margin-bottom: 20px;
}
.demo-warning-box {
  background: #fff8e1;
  border: 1.5px solid #f5c518;
  border-radius: 6px;
  padding: 14px 16px;
  font-size: 13px;
  color: #7a5800;
  margin-bottom: 24px;
  text-align: left;
  line-height: 1.5;
}

/* FOOTER */
footer {
  background: #001845;
  color: rgba(255,255,255,0.55);
  padding: 32px 24px;
  text-align: center;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-logo {
  font-family: 'Source Serif 4', serif;
  font-size: 16px;
  color: #fff;
  font-weight: 700;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
}
.footer-logo span { font-weight: 300; color: var(--gold); font-family: 'Inter', sans-serif; font-size: 13px; }
.footer-note { font-size: 13px; margin-bottom: 4px; }
.footer-legal { font-size: 11px; color: rgba(255,255,255,0.3); }

/* NAV PANELS (DROPDOWNS) */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.35);
  z-index: 800;
}
.nav-overlay.active { display: block; }

.nav-panel {
  position: fixed;
  top: 120px; /* demo-banner(36) + header(80) + stripe(4) */
  left: 0;
  right: 0;
  background: #fff;
  border-bottom: 3px solid var(--gold);
  box-shadow: 0 8px 32px rgba(0,0,0,0.18);
  z-index: 850;
  transform: translateY(-8px);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.22s ease, opacity 0.22s ease;
}
.nav-panel.open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.nav-panel-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 28px 24px 32px;
  position: relative;
}
.nav-panel-inner h3 {
  font-family: 'Source Serif 4', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
.panel-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.panel-col h4 {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-2);
  margin-bottom: 12px;
}
.panel-col p { font-size: 14px; color: var(--text); line-height: 1.6; }
.panel-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.panel-list li {
  font-size: 14px;
  color: var(--text);
  padding-left: 12px;
  position: relative;
}
.panel-list li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 600;
}
.panel-close {
  position: absolute;
  top: 20px;
  right: 24px;
  background: none;
  border: none;
  font-size: 18px;
  color: var(--text-2);
  cursor: pointer;
  line-height: 1;
  padding: 4px 8px;
  border-radius: 4px;
  transition: background 0.15s;
}
.panel-close:hover { background: var(--bg-2); color: var(--text); }

/* ===== CHAT WIDGET ===== */
.chat-widget{position:fixed;bottom:28px;right:28px;z-index:2000;font-family:'Inter',sans-serif}

.chat-bubble-btn{
  width:60px;height:60px;border-radius:50%;
  background:var(--blue);border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 20px rgba(0,48,135,0.45);
  transition:transform 0.2s,box-shadow 0.2s;
  position:relative;
}
.chat-bubble-btn:hover{transform:scale(1.08);box-shadow:0 6px 28px rgba(0,48,135,0.55)}
.chat-bubble-btn svg{width:28px;height:28px;fill:#fff}
.chat-badge{
  position:absolute;top:-2px;right:-2px;
  width:18px;height:18px;border-radius:50%;
  background:#e74c3c;border:2px solid #fff;
  font-size:10px;font-weight:700;color:#fff;
  display:flex;align-items:center;justify-content:center;
}

.chat-box{
  position:absolute;bottom:72px;right:0;
  width:400px;
  background:#fff;border-radius:16px;
  box-shadow:0 8px 40px rgba(0,0,0,0.18);
  overflow:hidden;
  transform:scale(0.85) translateY(16px);
  transform-origin:bottom right;
  opacity:0;
  pointer-events:none;
  transition:transform 0.25s cubic-bezier(0.34,1.56,0.64,1), opacity 0.2s ease;
}
.chat-box.open{transform:scale(1) translateY(0);opacity:1;pointer-events:auto}

.chat-header{
  background:var(--blue);
  padding:16px 18px;
  display:flex;align-items:center;gap:14px;
}
.chat-avatar{
  width:50px;height:50px;border-radius:50%;
  background:linear-gradient(135deg,#4a90e2,#003087);
  display:flex;align-items:center;justify-content:center;
  font-size:20px;font-weight:700;color:#fff;
  flex-shrink:0;border:2px solid rgba(255,255,255,0.3);
}
.chat-agent-info{flex:1}
.chat-agent-name{font-size:15px;font-weight:600;color:#fff;line-height:1.2}
.chat-agent-role{font-size:12px;color:rgba(255,255,255,0.7);margin-top:2px}
.chat-online{display:flex;align-items:center;gap:5px;margin-top:3px}
.chat-dot{width:7px;height:7px;border-radius:50%;background:#2ecc71;animation:blink-dot 2s infinite}
@keyframes blink-dot{0%,100%{opacity:1}50%{opacity:0.4}}
.chat-online-txt{font-size:10px;color:rgba(255,255,255,0.75)}
.chat-close-btn{background:none;border:none;cursor:pointer;color:rgba(255,255,255,0.7);font-size:20px;line-height:1;padding:2px 4px;transition:color 0.15s}
.chat-close-btn:hover{color:#fff}

.chat-messages{
  height:320px;overflow-y:auto;
  padding:18px 16px;
  display:flex;flex-direction:column;gap:12px;
  background:#f7f9fc;
  scroll-behavior:smooth;
}
.chat-messages::-webkit-scrollbar{width:4px}
.chat-messages::-webkit-scrollbar-thumb{background:#d0d8e8;border-radius:2px}

.msg{display:flex;flex-direction:column;max-width:82%}
.msg.agent{align-self:flex-start}
.msg.user{align-self:flex-end}
.msg-bubble{
  padding:11px 15px;border-radius:14px;
  font-size:14px;line-height:1.5;
  word-break:break-word;
}
.msg.agent .msg-bubble{background:#fff;color:#1a1a1a;border-bottom-left-radius:4px;box-shadow:0 1px 4px rgba(0,0,0,0.08)}
.msg.user .msg-bubble{background:var(--blue);color:#fff;border-bottom-right-radius:4px}
.msg-time{font-size:10px;color:#aaa;margin-top:3px}
.msg.user .msg-time{text-align:right}

.msg-agent-name{font-size:10px;font-weight:600;color:var(--blue);margin-bottom:3px}

.typing-indicator .msg-bubble{display:flex;align-items:center;gap:4px;padding:12px 14px}
.typing-dot{width:7px;height:7px;border-radius:50%;background:#aaa;animation:typing 1.2s infinite}
.typing-dot:nth-child(2){animation-delay:0.2s}
.typing-dot:nth-child(3){animation-delay:0.4s}
@keyframes typing{0%,60%,100%{transform:translateY(0)}30%{transform:translateY(-5px)}}

.chat-footer{
  padding:12px 14px;
  border-top:1px solid #e8edf5;
  display:flex;align-items:center;gap:10px;
  background:#fff;
}
.chat-input{
  flex:1;border:1.5px solid #d8e0ee;border-radius:22px;
  padding:11px 16px;font-size:14px;font-family:inherit;
  outline:none;color:#1a1a1a;background:#f7f9fc;
  transition:border-color 0.2s;
  resize:none;line-height:1.3;
}
.chat-input:focus{border-color:var(--blue);background:#fff}
.chat-send-btn{
  width:44px;height:44px;border-radius:50%;
  background:var(--blue);border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;transition:background 0.2s,transform 0.1s;
}
.chat-send-btn:hover{background:#001f5c}
.chat-send-btn:active{transform:scale(0.92)}
.chat-send-btn svg{width:16px;height:16px;fill:#fff}

.chat-disclaimer{
  padding:6px 14px 10px;
  font-size:10px;color:#bbb;text-align:center;
  background:#fff;
}

/* popup nudge */
.chat-popup-nudge{
  position:absolute;bottom:72px;right:0;
  background:#fff;border-radius:12px;
  padding:12px 16px;width:240px;
  box-shadow:0 4px 20px rgba(0,0,0,0.14);
  font-size:13px;color:#1a1a1a;line-height:1.4;
  display:flex;align-items:flex-start;gap:10px;
  animation:nudge-in 0.4s cubic-bezier(0.34,1.56,0.64,1);
}
@keyframes nudge-in{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.nudge-avatar{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,#4a90e2,#003087);display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:700;color:#fff;flex-shrink:0}
.nudge-close{position:absolute;top:6px;right:8px;background:none;border:none;cursor:pointer;font-size:14px;color:#aaa;line-height:1}
.nudge-close:hover{color:#333}

/* ===== END CHAT ===== */

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

/* TABLET */
@media (max-width: 1024px) {
  .panel-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .hero-text h1 { font-size: 36px; }
  .calc-container { grid-template-columns: 1fr 260px; gap: 24px; }
}

/* MOBILE */
@media (max-width: 768px) {
  /* Banner */
  .demo-banner { font-size: 10px; padding: 6px 10px; line-height: 1.4; }

  /* Header */
  header { top: 0; }
  .header-inner { height: auto; min-height: 64px; padding: 8px 16px; flex-wrap: wrap; gap: 8px; }
  .logo-img { height: 52px !important; width: auto !important; margin-left: 0; }
  nav { display: none; }
  .btn-header { display: none; }

  /* Gov stripe */
  .gov-stripe { height: 3px; }

  /* Nav panels */
  .nav-panel { top: 96px; }
  .panel-grid { grid-template-columns: 1fr; gap: 16px; }
  .nav-panel-inner { padding: 18px 16px 24px; }
  .nav-panel-inner h3 { font-size: 17px; }

  /* Hero */
  .hero { padding: 40px 16px; }
  .hero-content { flex-direction: column; gap: 28px; }
  .hero-text h1 { font-size: 28px; }
  .hero-desc { font-size: 15px; }
  .hero-card { width: 100%; min-width: 0; padding: 20px; }
  .hero-card .card-row { font-size: 13px; }

  /* Features */
  .features { padding: 36px 16px; }
  .features-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .feature-item { padding: 18px 14px; }
  .feature-item h3 { font-size: 14px; }
  .feature-item p { font-size: 12px; }

  /* CTA */
  .cta-section { padding: 40px 16px; }
  .cta-section h2 { font-size: 24px; }

  /* Calculator */
  .calc-main { padding: 28px 16px 48px; }
  .calc-container { grid-template-columns: 1fr; gap: 0; }
  .calc-right { display: none; }
  .calc-left h1 { font-size: 24px; }
  .slider-label strong { font-size: 18px; }

  /* Form */
  .form-section { margin-top: 36px; padding-top: 28px; }
  .form-row { grid-template-columns: 1fr; gap: 14px; margin-bottom: 14px; }
  .form-group input { padding: 11px 12px; font-size: 15px; }

  /* Approved */
  .approved-main { padding: 28px 16px; min-height: unset; }
  .approved-card { padding: 28px 16px; border-radius: 12px; }
  .approved-card h1 { font-size: 24px; }
  .approved-icon { font-size: 48px; }

  /* Legal pages */
  .legal-main { padding: 28px 16px 56px; }
  .legal-main h1 { font-size: 24px; }
  .legal-table { font-size: 12px; }
  .legal-table th, .legal-table td { padding: 7px 8px; }

  /* Footer */
  footer { padding: 24px 16px; }

  /* Chat widget */
  .chat-widget { bottom: 16px; right: 16px; }
  .chat-box { width: calc(100vw - 32px); right: 0; bottom: 68px; }
  .chat-messages { height: 260px; }
  .chat-bubble-btn { width: 52px; height: 52px; }
  .chat-popup-nudge { width: 200px; font-size: 12px; }
  .nav-overlay.active { display: block; }

  /* Payment page */
  .pay-wrap { padding: 24px 14px 48px; }
  .payment-header { gap: 10px; }
  .payment-header-coat { width: 44px; }
  .pay-title { font-size: 19px; }
}

/* SMALL PHONES */
@media (max-width: 380px) {
  .logo-img { height: 44px; }
  .hero-text h1 { font-size: 24px; }
  .features-grid { grid-template-columns: 1fr; }
  .chat-box { width: calc(100vw - 24px); }
  .approved-card { padding: 22px 12px; }
}