:root {
      --bg: #0a0a0a;
      --surface: #111111;
      --surface2: #1a1a1a;
      --border: #2a2a2a;
      --gold: #c9a84c;
      --gold-dim: #8a6f2e;
      --red: #e05252;
      --green: #4caf7d;
      --amber: #e0943a;
      --text: #e8e8e8;
      --text-dim: #888;
      --text-faint: #444;
      --mono: 'IBM Plex Mono', monospace;
      --serif: 'Playfair Display', serif;
      --sans: 'IBM Plex Sans', sans-serif;
    }

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

    body {
      background: var(--bg);
      color: var(--text);
      font-family: var(--sans);
      font-size: 15px;
      line-height: 1.6;
      overflow-x: hidden;
    }

    .page {
      display: none;
      min-height: 100vh;
    }

    .page.active {
      display: block;
      animation: pageIn 0.45s cubic-bezier(0.22, 1, 0.36, 1) both;
    }

    .page.exit {
      display: block;
      animation: pageOut 0.2s ease-in forwards;
      pointer-events: none;
    }

    @keyframes pageIn {
      0% {
        opacity: 0;
        transform: translateY(22px);
      }

      100% {
        opacity: 1;
        transform: translateY(0);
      }
    }

    @keyframes pageOut {
      0% {
        opacity: 1;
        transform: translateY(0);
      }

      100% {
        opacity: 0;
        transform: translateY(-12px);
      }
    }

    .nav {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 100;
      background: rgba(10, 10, 10, 0.95);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--border);
      padding: 0 2rem;
      height: 56px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }

    .nav-logo {
      font-family: var(--serif);
      font-size: 1.3rem;
      color: var(--gold);
      letter-spacing: -0.02em;
    }

    .nav-steps {
      display: flex;
      gap: 0;
      align-items: center;
    }

    .nav-step {
      font-family: var(--mono);
      font-size: 0.65rem;
      color: var(--text-faint);
      padding: 0.25rem 0.6rem;
      border-right: 1px solid var(--border);
      cursor: pointer;
      transition: color 0.2s;
      letter-spacing: 0.05em;
      text-transform: uppercase;
    }

    .nav-step:last-child {
      border-right: none;
    }

    .nav-step.active {
      color: var(--gold);
    }

    .nav-step.done {
      color: var(--text-dim);
      cursor: pointer;
    }

    .nav-step.done:hover {
      color: var(--text);
    }

    .container {
      max-width: 1000px;
      margin: 0 auto;
      padding: 0 clamp(1rem, 3vw, 2rem);
    }

    .container-wide {
      max-width: 1160px;
      margin: 0 auto;
      padding: 0 clamp(1rem, 3vw, 2rem);
    }

    .pt-nav {
      padding-top: 56px;
    }

    .label {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--gold);
    }

    .btn-primary {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: var(--gold);
      color: #000;
      font-family: var(--mono);
      font-size: 0.75rem;
      font-weight: 500;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 0.9rem 2rem;
      border: none;
      cursor: pointer;
      transition: all 0.2s;
      clip-path: polygon(0 0, calc(100% - 8px) 0, 100% 8px, 100% 100%, 8px 100%, 0 calc(100% - 8px));
    }

    .btn-primary:hover {
      background: #e0bb6a;
      transform: translateY(-1px);
    }

    .btn-secondary {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: transparent;
      color: var(--gold);
      font-family: var(--mono);
      font-size: 0.75rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 0.9rem 2rem;
      border: 1px solid var(--gold-dim);
      cursor: pointer;
      transition: all 0.2s;
    }

    .btn-secondary:hover {
      border-color: var(--gold);
      background: rgba(201, 168, 76, 0.05);
    }

    .btn-ghost {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: transparent;
      color: var(--text-dim);
      font-family: var(--mono);
      font-size: 0.75rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.7rem 1.2rem;
      border: 1px solid var(--border);
      cursor: pointer;
      transition: all 0.2s;
    }

    .btn-ghost:hover {
      color: var(--text);
      border-color: #444;
    }

    .form-group {
      margin-bottom: 1.25rem;
    }

    .form-label {
      display: block;
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--text-dim);
      margin-bottom: 0.4rem;
    }

    .form-input {
      width: 100%;
      background: var(--surface2);
      border: 1px solid var(--border);
      color: var(--text);
      font-family: var(--mono);
      font-size: 0.9rem;
      padding: 0.7rem 1rem;
      outline: none;
      transition: border-color 0.2s;
    }

    .form-input:focus {
      border-color: var(--gold-dim);
    }

    .form-select {
      width: 100%;
      background: var(--surface2);
      border: 1px solid var(--border);
      color: var(--text);
      font-family: var(--mono);
      font-size: 0.85rem;
      padding: 0.7rem 1rem;
      outline: none;
      appearance: none;
      cursor: pointer;
      transition: border-color 0.2s;
    }

    .form-select:focus {
      border-color: var(--gold-dim);
    }

    .form-hint {
      font-size: 0.7rem;
      color: var(--text-faint);
      margin-top: 0.3rem;
      font-family: var(--mono);
    }

    .currency-input-wrap {
      position: relative;
    }

    .currency-symbol {
      position: absolute;
      left: 0.8rem;
      top: 50%;
      transform: translateY(-50%);
      font-family: var(--mono);
      color: var(--text-faint);
      font-size: 0.85rem;
      pointer-events: none;
    }

    .currency-input-wrap .form-input {
      padding-left: 2rem;
    }

    .grid-2 {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1rem;
    }

    .grid-3 {
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 1rem;
    }

    .card {
      background: var(--surface);
      border: 1px solid var(--border);
      padding: 1.5rem;
    }

    .badge {
      display: inline-flex;
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      padding: 0.2rem 0.6rem;
      font-weight: 500;
    }

    .badge-safe {
      background: rgba(76, 175, 125, 0.15);
      color: var(--green);
      border: 1px solid rgba(76, 175, 125, 0.3);
    }

    .badge-risky {
      background: rgba(224, 148, 58, 0.15);
      color: var(--amber);
      border: 1px solid rgba(224, 148, 58, 0.3);
    }

    .badge-danger {
      background: rgba(224, 82, 82, 0.15);
      color: var(--red);
      border: 1px solid rgba(224, 82, 82, 0.3);
    }

    .big-number {
      font-family: var(--mono);
      font-size: 2.5rem;
      font-weight: 500;
      color: var(--gold);
      letter-spacing: -0.02em;
      line-height: 1;
    }

    /* ===== LANDING ===== */
    .landing-hero {
      min-height: 100vh;
      display: flex;
      flex-direction: column;
      justify-content: center;
      padding-top: 56px;
      position: relative;
      overflow: hidden;
    }

    .landing-hero::before {
      content: '';
      position: absolute;
      top: -20%;
      left: -10%;
      width: 70%;
      height: 80%;
      background: radial-gradient(ellipse, rgba(201, 168, 76, 0.04) 0%, transparent 70%);
      pointer-events: none;
    }

    .hero-eyebrow {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.5rem;
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }

    .hero-eyebrow::before {
      content: '';
      display: block;
      width: 32px;
      height: 1px;
      background: var(--gold);
    }

    .hero-headline {
      font-family: var(--serif);
      font-size: clamp(2.5rem, 6vw, 5rem);
      font-weight: 900;
      line-height: 1.05;
      letter-spacing: -0.02em;
      margin-bottom: 1.5rem;
      max-width: 800px;
    }

    .hero-headline em {
      font-style: italic;
      color: var(--gold);
    }

    .hero-sub {
      font-size: 1.05rem;
      color: var(--text-dim);
      max-width: 520px;
      line-height: 1.7;
      margin-bottom: 2.5rem;
    }

    .hero-cta-row {
      display: flex;
      align-items: center;
      gap: 1.5rem;
      flex-wrap: wrap;
    }

    .hero-note {
      font-family: var(--mono);
      font-size: 0.65rem;
      color: var(--text-faint);
      letter-spacing: 0.05em;
    }

    .ticker-wrap {
      border-top: 1px solid var(--border);
      border-bottom: 1px solid var(--border);
      padding: 0.6rem 0;
      overflow: hidden;
      background: var(--surface);
      margin-top: 4rem;
    }

    .ticker-inner {
      display: flex;
      gap: 3rem;
      white-space: nowrap;
      animation: ticker 30s linear infinite;
    }

    .ticker-item {
      font-family: var(--mono);
      font-size: 0.7rem;
      letter-spacing: 0.08em;
      color: var(--text-dim);
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }

    .ticker-item .dot {
      width: 4px;
      height: 4px;
      background: var(--gold);
      border-radius: 50%;
    }

    @keyframes ticker {
      0% {
        transform: translateX(0);
      }

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

    .hidden-costs {
      padding: clamp(3rem, 6vw, 6rem) 0;
      border-bottom: 1px solid var(--border);
    }

    .cost-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
      margin-top: 3rem;
      border: 1px solid var(--border);
    }

    .cost-item {
      padding: 2rem 1.5rem;
      border-right: 1px solid var(--border);
      position: relative;
      overflow: hidden;
      transition: background 0.3s;
    }

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

    .cost-item:hover {
      background: var(--surface2);
    }

    .cost-icon {
      font-size: 1.8rem;
      margin-bottom: 1rem;
      display: block;
    }

    .cost-name {
      font-family: var(--serif);
      font-size: 1.1rem;
      margin-bottom: 0.5rem;
    }

    .cost-desc {
      font-size: 0.8rem;
      color: var(--text-dim);
      line-height: 1.5;
    }

    .cost-amount {
      font-family: var(--mono);
      font-size: 0.85rem;
      color: var(--gold);
      margin-top: 1rem;
    }

    .example-section {
      padding: clamp(3rem, 6vw, 6rem) 0;
      border-bottom: 1px solid var(--border);
    }

    .example-table {
      width: 100%;
      border-collapse: collapse;
      margin-top: 2rem;
      font-family: var(--mono);
      font-size: 0.8rem;
    }

    .example-table th {
      text-align: left;
      padding: 0.75rem 1rem;
      font-size: 0.6rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--text-dim);
      border-bottom: 1px solid var(--border);
    }

    .example-table td {
      padding: 0.75rem 1rem;
      border-bottom: 1px solid var(--border);
      color: var(--text);
    }

    .example-table tr:hover td {
      background: var(--surface2);
    }

    .text-red {
      color: var(--red);
    }

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

    .text-green {
      color: var(--green);
    }

    .text-amber {
      color: var(--amber);
    }

    .text-dim {
      color: var(--text-dim);
    }

    .steps-section {
      padding: clamp(3rem, 6vw, 6rem) 0;
    }

    .steps-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 0;
      margin-top: 3rem;
      border-top: 1px solid var(--border);
      border-left: 1px solid var(--border);
    }

    .step-item {
      padding: 2.5rem 2rem;
      border-right: 1px solid var(--border);
      border-bottom: 1px solid var(--border);
      position: relative;
    }

    .step-num {
      font-family: var(--serif);
      font-size: 4rem;
      font-weight: 700;
      color: var(--text-faint);
      line-height: 1;
      margin-bottom: 1rem;
      display: block;
    }

    .step-title {
      font-family: var(--serif);
      font-size: 1.2rem;
      margin-bottom: 0.75rem;
    }

    .step-desc {
      font-size: 0.85rem;
      color: var(--text-dim);
      line-height: 1.6;
    }

    /* ===== SHARED PAGE ELEMENTS ===== */
    .page-header {
      padding: 4rem 0 3rem;
      border-bottom: 1px solid var(--border);
    }

    .page-num {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--text-faint);
      margin-bottom: 0.5rem;
    }

    .mobile-progress {
      display: none;
    }

    .page-title {
      font-family: var(--serif);
      font-size: clamp(1.8rem, 4vw, 3rem);
      font-weight: 700;
      line-height: 1.1;
      margin-bottom: 0.75rem;
    }

    .page-desc {
      font-size: 0.9rem;
      color: var(--text-dim);
      max-width: 500px;
      line-height: 1.6;
    }

    .form-section {
      padding: 2rem 0;
    }

    .form-section-title {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 1.5rem;
      padding-bottom: 0.75rem;
      border-bottom: 1px solid var(--border);
    }

    .results-panel {
      background: var(--surface);
      border: 1px solid var(--border);
      border-left: 3px solid var(--gold);
      padding: 1.5rem;
      position: sticky;
      top: 70px;
    }

    .results-panel-title {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--text-dim);
      margin-bottom: 1.25rem;
    }

    .result-row {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      padding: 0.6rem 0;
      border-bottom: 1px solid var(--border);
    }

    .result-row:last-child {
      border-bottom: none;
    }

    .result-label {
      font-family: var(--mono);
      font-size: 0.7rem;
      color: var(--text-dim);
    }

    .result-value {
      font-family: var(--mono);
      font-size: 0.9rem;
      color: var(--text);
    }

    .gauge-wrap {
      margin: 1.5rem 0;
      position: relative;
    }

    .gauge-bar {
      height: 6px;
      background: var(--border);
      border-radius: 3px;
      overflow: hidden;
      margin-bottom: 0.4rem;
    }

    .gauge-fill {
      height: 100%;
      border-radius: 3px;
      transition: width 0.5s ease, background 0.3s ease;
    }

    .gauge-labels {
      display: flex;
      justify-content: space-between;
      font-family: var(--mono);
      font-size: 0.6rem;
      color: var(--text-faint);
    }

    /* ===== CAR SELECTION ===== */
    .filter-bar {
      background: var(--surface);
      border-bottom: 1px solid var(--border);
      padding: 1.25rem 0;
      position: sticky;
      top: 56px;
      z-index: 50;
    }

    .filter-row {
      display: flex;
      gap: 0.75rem;
      align-items: center;
      flex-wrap: wrap;
    }

    .filter-select {
      background: var(--surface2);
      border: 1px solid var(--border);
      color: var(--text);
      font-family: var(--mono);
      font-size: 0.7rem;
      letter-spacing: 0.05em;
      padding: 0.5rem 0.9rem;
      outline: none;
      cursor: pointer;
      appearance: none;
      transition: border-color 0.2s;
    }

    .filter-select:focus {
      border-color: var(--gold-dim);
    }

    .cars-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1px;
      background: var(--border);
      margin-top: 2rem;
    }

    .car-card {
      background: var(--surface);
      padding: 0;
      overflow: hidden;
      cursor: pointer;
      transition: background 0.2s;
      position: relative;
    }

    .car-card:hover {
      background: var(--surface2);
    }

    .car-card.selected {
      background: var(--surface2);
      border: 2px solid var(--gold);
    }

    .car-img-wrap {
      background: var(--surface2);
      height: 140px;
      display: flex;
      align-items: center;
      justify-content: center;
      overflow: hidden;
      border-bottom: 1px solid var(--border);
      font-size: 4rem;
    }

    .car-info {
      padding: 1.25rem 1.25rem 0.75rem;
    }

    .car-name {
      font-family: var(--sans);
      font-size: 1rem;
      font-weight: 600;
      letter-spacing: -0.01em;
      margin-bottom: 0.2rem;
      color: var(--text);
    }

    .car-meta {
      font-family: var(--sans);
      font-size: 0.72rem;
      color: var(--text-dim);
      margin-bottom: 0.75rem;
      font-weight: 400;
    }

    .car-price {
      font-family: var(--mono);
      font-size: 1.05rem;
      color: var(--gold);
      margin-bottom: 0.6rem;
      font-weight: 500;
    }

    .car-specs {
      display: flex;
      gap: 0.75rem;
      font-family: var(--sans);
      font-size: 0.7rem;
      color: var(--text-faint);
      flex-wrap: wrap;
      line-height: 1.4;
    }

    .car-actions {
      padding: 0 1.25rem 1.25rem;
      display: flex;
      gap: 0.5rem;
      flex-wrap: wrap;
    }

    .car-btn {
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.35rem 0.75rem;
      border: 1px solid var(--border);
      background: transparent;
      color: var(--text-dim);
      cursor: pointer;
      transition: all 0.2s;
    }

    .car-btn:hover {
      border-color: var(--gold-dim);
      color: var(--gold);
    }

    .car-btn.active {
      border-color: var(--gold);
      color: var(--gold);
      background: rgba(201, 168, 76, 0.08);
    }

    .ai-reco-badge {
      position: absolute;
      top: 0;
      left: 0;
      right: 0;
      background: var(--green);
      color: #000;
      font-family: var(--mono);
      font-size: 0.58rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 0.25rem 0.75rem;
      display: flex;
      align-items: center;
      gap: 0.35rem;
      z-index: 2;
    }

    .ai-reco-rank {
      background: rgba(0, 0, 0, 0.2);
      padding: 0.05rem 0.35rem;
      border-radius: 2px;
      font-size: 0.55rem;
    }

    .car-card.ai-recommended {
      border: 2px solid var(--green) !important;
      background: #0a1a0f;
    }

    .car-card.ai-recommended .car-img-wrap {
      margin-top: 24px;
    }

    /* ===== TRUE COST ===== */
    .cost-breakdown-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1px;
      background: var(--border);
      margin-top: 2rem;
    }

    .cost-breakdown-item {
      background: var(--surface);
      padding: 1.5rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .cost-breakdown-item.has-disclosure {
      display: block;
      padding: 1.15rem 1.25rem 1rem;
    }

    .cbi-head {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      gap: 0.9rem;
    }

    .cbi-head .cbi-label {
      flex: 1;
      min-width: 0;
    }

    .cbi-head .cbi-value {
      white-space: nowrap;
    }

    .disclosure-toggle {
      margin-top: 0.55rem;
      background: none;
      border: 0;
      color: var(--gold-dim);
      font-family: var(--mono);
      font-size: 0.68rem;
      letter-spacing: 0.02em;
      text-align: left;
      cursor: pointer;
      padding: 0;
    }

    .disclosure-toggle:hover {
      color: var(--gold);
    }

    .formula-disclosure {
      display: none;
      margin-top: 0.6rem;
      padding: 0.6rem 0.7rem;
      border: 1px solid var(--border);
      border-left: 2px solid var(--gold-dim);
      background: rgba(255, 255, 255, 0.01);
      font-family: var(--mono);
      font-size: 12px;
      line-height: 1.5;
      color: var(--text-dim);
      overflow-wrap: anywhere;
    }

    .formula-disclosure.open {
      display: block;
    }

    .formula-row {
      display: grid;
      grid-template-columns: 78px 1fr;
      gap: 0.45rem;
      margin-bottom: 0.2rem;
    }

    .formula-row:last-child {
      margin-bottom: 0;
    }

    .formula-key {
      color: var(--text-faint);
      text-transform: uppercase;
      letter-spacing: 0.06em;
      font-size: 0.58rem;
      padding-top: 0.1rem;
    }

    .formula-val {
      color: var(--text-dim);
    }

    .cbi-label {
      font-size: 0.85rem;
      color: var(--text-dim);
    }

    .cbi-value {
      font-family: var(--mono);
      font-size: 1rem;
      color: var(--text);
    }

    .cbi-value.highlight {
      color: var(--gold);
      font-size: 1.2rem;
    }

    .total-bar {
      background: var(--surface);
      border: 1px solid var(--gold-dim);
      padding: 2rem;
      margin-top: 1px;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .income-gauge {
      background: var(--surface);
      padding: 2rem;
      border: 1px solid var(--border);
      margin-top: 2rem;
    }

    .income-percent {
      font-family: var(--serif);
      font-size: 4rem;
      font-weight: 700;
      line-height: 1;
      margin-bottom: 0.5rem;
    }

    /* ===== AI CHAT (PAGE 6) ===== */
    .ai-chat-wrap {
      padding: 2rem 0 4rem;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 2rem;
    }

    .ai-panel {
      background: var(--surface);
      border: 1px solid var(--border);
      display: flex;
      flex-direction: column;
      height: 600px;
    }

    .ai-panel-header {
      padding: 1rem 1.25rem;
      border-bottom: 1px solid var(--border);
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }

    .ai-pulse {
      width: 8px;
      height: 8px;
      background: var(--green);
      border-radius: 50%;
      animation: pulse 2s infinite;
    }

    @keyframes pulse {

      0%,
      100% {
        opacity: 1;
        transform: scale(1);
      }

      50% {
        opacity: 0.5;
        transform: scale(1.3);
      }
    }

    .ai-panel-title {
      font-family: var(--mono);
      font-size: 0.7rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: var(--text-dim);
    }

    .ai-messages {
      flex: 1;
      overflow-y: auto;
      padding: 1.25rem;
      display: flex;
      flex-direction: column;
      gap: 1rem;
    }

    .ai-messages::-webkit-scrollbar {
      width: 4px;
    }

    .ai-messages::-webkit-scrollbar-thumb {
      background: var(--border);
    }

    .msg {
      max-width: 90%;
    }

    .msg-ai {
      align-self: flex-start;
    }

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

    .msg-bubble {
      padding: 0.85rem 1rem;
      font-size: 0.82rem;
      line-height: 1.5;
    }

    .msg-ai .msg-bubble {
      background: var(--surface2);
      border-left: 2px solid var(--gold);
      color: var(--text);
    }

    .msg-user .msg-bubble {
      background: rgba(201, 168, 76, 0.08);
      border: 1px solid var(--gold-dim);
      color: var(--text);
      text-align: right;
    }

    .msg-label {
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: var(--text-faint);
      margin-bottom: 0.3rem;
    }

    .msg-user .msg-label {
      text-align: right;
    }

    .ai-input-row {
      padding: 1rem 1.25rem;
      border-top: 1px solid var(--border);
      display: flex;
      gap: 0.5rem;
    }

    .ai-input {
      flex: 1;
      background: var(--surface2);
      border: 1px solid var(--border);
      color: var(--text);
      font-family: var(--sans);
      font-size: 0.82rem;
      padding: 0.6rem 0.9rem;
      outline: none;
      transition: border-color 0.2s;
    }

    .ai-input:focus {
      border-color: var(--gold-dim);
    }

    .ai-send-btn {
      background: var(--gold);
      border: none;
      color: #000;
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 0.6rem 1rem;
      cursor: pointer;
      transition: background 0.2s;
    }

    .ai-send-btn:hover {
      background: #e0bb6a;
    }

    .ai-send-btn:disabled {
      opacity: 0.4;
      cursor: not-allowed;
    }

    .insights-sidebar {
      display: flex;
      flex-direction: column;
      gap: 1rem;
    }

    .insight-card {
      background: var(--surface);
      border: 1px solid var(--border);
      padding: 1.25rem;
      border-left: 3px solid transparent;
    }

    .insight-card.warning {
      border-left-color: var(--red);
    }

    .insight-card.caution {
      border-left-color: var(--amber);
    }

    .insight-card.positive {
      border-left-color: var(--green);
    }

    .insight-card.info {
      border-left-color: var(--gold);
    }

    .insight-tag {
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      margin-bottom: 0.5rem;
    }

    .insight-card.warning .insight-tag {
      color: var(--red);
    }

    .insight-card.caution .insight-tag {
      color: var(--amber);
    }

    .insight-card.positive .insight-tag {
      color: var(--green);
    }

    .insight-card.info .insight-tag {
      color: var(--gold);
    }

    .insight-text {
      font-size: 0.82rem;
      color: var(--text-dim);
      line-height: 1.5;
    }

    .typing-dots {
      display: flex;
      gap: 3px;
      align-items: center;
      padding: 0.5rem 0;
    }

    .typing-dot {
      width: 5px;
      height: 5px;
      background: var(--text-dim);
      border-radius: 50%;
      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% {
        opacity: 0.3;
        transform: scale(1);
      }

      30% {
        opacity: 1;
        transform: scale(1.2);
      }
    }

    .bottom-nav {
      border-top: 1px solid var(--border);
      padding: 1.5rem 0 3rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-top: 3rem;
    }

    .loan-term-btn {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.06em;
      padding: 0.3rem 0.7rem;
      border: 1px solid var(--border);
      background: transparent;
      color: var(--text-dim);
      cursor: pointer;
      transition: all 0.15s;
    }

    .loan-term-btn:hover {
      border-color: var(--gold-dim);
      color: var(--gold);
    }

    .loan-term-btn.active {
      border-color: var(--gold);
      color: var(--gold);
      background: rgba(201, 168, 76, 0.08);
    }

    /* ============================================================
     WEALTH CHART — Page 5 Styles
  ============================================================ */

    /* Tab switcher */
    .wc-tabs {
      display: flex;
      gap: 4px;
      background: #0d0d0d;
      padding: 4px;
      border-radius: 10px;
      width: fit-content;
      border: 1px solid var(--border);
      margin-bottom: 1.5rem;
    }

    .wc-tab {
      padding: 8px 22px;
      border-radius: 7px;
      border: none;
      cursor: pointer;
      font-family: var(--mono);
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      transition: all 0.2s;
      background: transparent;
      color: var(--text-faint);
    }

    .wc-tab:hover {
      color: var(--text-dim);
    }

    .wc-tab.wc-active {
      background: linear-gradient(90deg, #1a3a6e, #1e50c0);
      color: #fff;
      box-shadow: 0 4px 12px rgba(30, 80, 192, 0.3);
    }

    /* Tab panels */
    .wc-panel {
      display: none;
    }

    .wc-panel.wc-visible {
      display: block;
      animation: fadeSlideUp 0.3s ease both;
    }

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

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

    /* Summary stat cards */
    .wc-stats {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
      margin-bottom: 1.5rem;
    }

    .wc-stat {
      background: linear-gradient(135deg, #111, #161616);
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 18px 20px;
    }

    .wc-stat-icon {
      font-size: 1.25rem;
      margin-bottom: 6px;
    }

    .wc-stat-label {
      font-family: var(--mono);
      font-size: 0.58rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--text-faint);
      margin-bottom: 4px;
    }

    .wc-stat-val {
      font-family: var(--mono);
      font-size: 1.3rem;
      font-weight: 700;
      line-height: 1;
    }

    /* Chart container */
    .wc-chart-box {
      background: #0d0d0d;
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 24px;
      margin-bottom: 1.5rem;
    }

    .wc-chart-title {
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--text-faint);
      margin-bottom: 16px;
    }

    .wc-svg {
      width: 100%;
      overflow: visible;
    }

    /* Track A/B detail cards */
    .wc-tracks {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
    }

    .wc-track {
      border-radius: 12px;
      padding: 18px 20px;
    }

    .wc-track-a {
      background: #0d0d0d;
      border: 1px solid #2a2a2a;
    }

    .wc-track-b {
      background: rgba(76, 175, 125, 0.07);
      border: 1px solid rgba(76, 175, 125, 0.25);
    }

    .wc-track-label {
      font-family: var(--mono);
      font-size: 0.62rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      font-weight: 700;
      margin-bottom: 10px;
    }

    .wc-track-emi {
      font-family: var(--mono);
      font-size: 1.35rem;
      font-weight: 800;
      line-height: 1;
      margin-bottom: 4px;
    }

    .wc-track-sub {
      font-family: var(--mono);
      font-size: 0.65rem;
      color: var(--text-faint);
      margin-bottom: 8px;
    }

    .wc-track-outcome {
      font-family: var(--mono);
      font-size: 0.85rem;
      font-weight: 700;
      margin-top: 8px;
    }

    /* Horizon toggle */
    .wc-horizon-row {
      display: flex;
      gap: 6px;
      margin-bottom: 1.25rem;
      align-items: center;
    }

    .wc-horizon-label {
      font-family: var(--mono);
      font-size: 0.6rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--text-faint);
      margin-right: 6px;
    }

    .wc-horizon-btn {
      font-family: var(--mono);
      font-size: 0.65rem;
      letter-spacing: 0.06em;
      padding: 4px 12px;
      border: 1px solid var(--border);
      background: transparent;
      color: var(--text-faint);
      cursor: pointer;
      border-radius: 4px;
      transition: all 0.15s;
    }

    .wc-horizon-btn:hover {
      border-color: var(--gold-dim);
      color: var(--gold);
    }

    .wc-horizon-btn.wc-h-active {
      border-color: var(--gold);
      color: var(--gold);
      background: rgba(201, 168, 76, 0.1);
    }

    /* Scenario cards */
    .wc-scenarios {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1px;
      background: var(--border);
      border-radius: 2px;
      overflow: hidden;
      margin-bottom: 1.5rem;
    }

    .wc-sc {
      background: #0f0f0f;
      padding: 22px 20px;
    }

    .wc-sc.wc-sc-featured {
      background: #0a140f;
      border-top: 2px solid var(--green);
    }

    .wc-sc-letter {
      font-family: var(--serif);
      font-size: 2.8rem;
      font-weight: 700;
      color: var(--text-faint);
      line-height: 1;
      margin-bottom: 4px;
    }

    .wc-sc-title {
      font-family: var(--serif);
      font-size: 1rem;
      margin-bottom: 4px;
    }

    .wc-sc-sub {
      font-size: 0.72rem;
      color: var(--text-dim);
      margin-bottom: 14px;
      line-height: 1.4;
    }

    .wc-sc-row {
      display: flex;
      justify-content: space-between;
      padding: 6px 0;
      border-bottom: 1px solid #1e1e1e;
      font-family: var(--mono);
      font-size: 0.72rem;
    }

    .wc-sc-row:last-of-type {
      border-bottom: none;
    }

    .wc-sc-row-label {
      color: var(--text-faint);
    }

    .wc-sc-total {
      margin-top: 12px;
      padding: 12px;
      background: #111;
      font-family: var(--mono);
      font-size: 0.68rem;
      border-top: 1px solid var(--border);
    }

    .wc-sc-total-label {
      color: var(--text-faint);
      margin-bottom: 4px;
    }

    .wc-sc-total-val {
      font-size: 1.3rem;
      font-weight: 700;
    }

    /* Horizontal bar chart */
    .wc-bar-chart {
      background: #0d0d0d;
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 22px 24px;
    }

    .wc-bar-row {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 12px;
    }

    .wc-bar-row:last-child {
      margin-bottom: 0;
    }

    .wc-bar-label {
      font-family: var(--mono);
      font-size: 0.65rem;
      color: var(--text-dim);
      width: 110px;
      flex-shrink: 0;
    }

    .wc-bar-track {
      flex: 1;
      background: #1a1a1a;
      height: 30px;
      border-radius: 4px;
      overflow: hidden;
    }

    .wc-bar-fill {
      height: 100%;
      border-radius: 4px;
      display: flex;
      align-items: center;
      padding-left: 10px;
      font-family: var(--mono);
      font-size: 0.68rem;
      color: #000;
      font-weight: 600;
      transition: width 0.9s cubic-bezier(0.22, 1, 0.36, 1);
      white-space: nowrap;
    }

    @media (max-width: 1024px) {
      .cars-grid {
        grid-template-columns: repeat(2, 1fr);
      }

      .wc-scenarios {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 768px) {

      .grid-2,
      .grid-3 {
        grid-template-columns: 1fr;
      }

      .cost-grid {
        grid-template-columns: 1fr 1fr;
      }

      .steps-grid {
        grid-template-columns: 1fr;
      }

      .cars-grid {
        grid-template-columns: 1fr 1fr;
      }

      .ai-chat-wrap {
        grid-template-columns: 1fr;
      }

      .cost-breakdown-grid {
        grid-template-columns: 1fr;
      }

      .formula-row {
        grid-template-columns: 1fr;
        gap: 0.15rem;
      }

      .nav-steps {
        display: none;
      }

      .page-header {
        text-align: center;
      }

      .page-desc {
        margin-left: auto;
        margin-right: auto;
      }

      .page-num {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        width: fit-content;
        margin: 0 auto 0.85rem;
        padding: 0.38rem 0.85rem;
        border: 1px solid var(--gold-dim);
        border-radius: 999px;
        background: rgba(201, 168, 76, 0.08);
        color: var(--gold);
        letter-spacing: 0.1em;
        font-size: 0.62rem;
      }

      .mobile-progress {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        width: fit-content;
      }

      .hero-headline {
        font-size: 2.2rem;
      }

      .total-bar {
        flex-direction: column;
        gap: 1.5rem;
        align-items: flex-start;
      }

      .wc-stats {
        grid-template-columns: 1fr 1fr;
      }

      .wc-tracks {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 520px) {
      .cars-grid {
        grid-template-columns: 1fr;
      }

      .hero-headline {
        font-size: 1.9rem;
      }

      .big-number {
        font-size: 1.8rem;
      }

      .wc-stats {
        grid-template-columns: 1fr;
      }

      .wc-scenarios {
        grid-template-columns: 1fr;
      }
    }