:root{--navy:#0d1f3c;--navy-mid:#162d52;--gold:#c9a84c;--gold-light:#e2c47a;
  --cream:#f8f5ef;--white:#fff;--gray:#6b7280;--text:#1a1a2e}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text);background:var(--white);overflow-x:hidden}

/* NAV */
nav{position:fixed;top:0;width:100%;z-index:200;background:rgba(13,31,60,.97);
  backdrop-filter:blur(12px);padding:0 5%;display:flex;align-items:center;
  justify-content:space-between;height:76px;border-bottom:1px solid rgba(201,168,76,.25)}
.nav-logo{cursor:pointer;display:flex;align-items:center}
.nav-logo img{height:54px;object-fit:contain}
.nav-links{display:flex;gap:1.3rem;list-style:none;align-items:center}
.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.8rem;font-weight:500;
  letter-spacing:.04em;text-transform:uppercase;transition:color .2s;cursor:pointer}
.nav-links a:hover,.nav-links a.active{color:var(--gold-light)}
.nav-cta{background:var(--gold)!important;color:var(--navy)!important;
  padding:.45rem 1rem;border-radius:4px;font-weight:600!important}
.nav-cta:hover{background:var(--gold-light)!important}
.nav-dropdown{position:relative}
.nav-dropdown-menu{display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);
  background:rgba(13,31,60,.98);backdrop-filter:blur(12px);
  border:1px solid rgba(201,168,76,.25);border-radius:10px;padding:.6rem 0;
  min-width:220px;z-index:300;box-shadow:0 16px 40px rgba(0,0,0,.5)}
.nav-dropdown:hover .nav-dropdown-menu{display:block}
.nav-dropdown-menu a{display:block!important;padding:.55rem 1.2rem;
  color:rgba(255,255,255,.8)!important;font-size:.82rem;text-transform:none!important;
  letter-spacing:0!important;transition:background .15s,color .15s;border:none!important}
.nav-dropdown-menu a:hover{background:rgba(201,168,76,.12);color:var(--gold-light)!important}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer}
.nav-hamburger span{width:24px;height:2px;background:white;display:block}
.mobile-menu{display:none;position:fixed;top:76px;left:0;right:0;z-index:190;
  background:rgba(13,31,60,.98);backdrop-filter:blur(12px);
  padding:1.5rem 5%;border-bottom:1px solid rgba(201,168,76,.2)}
.mobile-menu.open{display:block}
.mobile-menu a{display:block;color:rgba(255,255,255,.8);text-decoration:none;
  padding:.65rem 0;font-size:.92rem;font-weight:500;
  border-bottom:1px solid rgba(255,255,255,.06);cursor:pointer}
.mobile-menu a:hover{color:var(--gold)}

/* PAGES */
.page{display:none;padding-top:76px;min-height:100vh}.page.active{display:block}

/* BANNER */
.hero-banner{width:100%;position:relative;overflow:hidden}
.hero-banner svg{display:block;width:100%}
.hero-banner-btns{position:absolute;bottom:2.5rem;left:5%;display:flex;gap:1rem;flex-wrap:wrap;z-index:10}

/* TRUST BAR */
.trust-bar{background:var(--gold);padding:.9rem 5%}
.trust-bar-inner{max-width:1200px;margin:0 auto;display:flex;
  justify-content:center;align-items:center;gap:2.5rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.5rem;color:var(--navy);font-size:.85rem;font-weight:600}

/* SECTIONS */
.section{padding:5rem 5%}.section-inner{max-width:1200px;margin:0 auto}
.section-label{display:inline-flex;align-items:center;gap:.6rem;color:var(--gold);
  font-size:.76rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.9rem}
.section-label::before{content:'';width:22px;height:2px;background:var(--gold)}
.section-title{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:clamp(1.8rem,2.8vw,2.6rem);
  font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:.9rem}
.section-title-light{color:var(--white)}
.section-sub{color:var(--gray);font-size:.98rem;line-height:1.72;max-width:580px}
.section-sub-light{color:rgba(255,255,255,.6)}

/* BUTTONS */
.btn-primary{display:inline-block;background:var(--gold);color:var(--navy);
  padding:.85rem 2rem;border-radius:5px;font-weight:600;font-size:.92rem;
  text-decoration:none;cursor:pointer;transition:all .2s;
  letter-spacing:.02em;border:none;font-family:inherit}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);
  box-shadow:0 8px 24px rgba(201,168,76,.3)}
.btn-outline{display:inline-block;border:1.5px solid rgba(255,255,255,.35);
  color:var(--white);padding:.85rem 2rem;border-radius:5px;font-weight:500;
  font-size:.92rem;text-decoration:none;cursor:pointer;transition:all .2s;
  background:transparent;font-family:inherit}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-navy{background:var(--navy)!important;color:white!important}
.btn-navy:hover{background:var(--navy-mid)!important}

/* SERVICES GRID */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:2.8rem}
.service-card{background:var(--white);border-radius:12px;padding:1.8rem;
  border:1px solid rgba(0,0,0,.07);transition:all .3s;position:relative;overflow:hidden}
.service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.service-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(0,0,0,.1)}
.service-card:hover::before{transform:scaleX(1)}
.service-icon{width:48px;height:48px;background:rgba(201,168,76,.12);border-radius:10px;
  display:flex;align-items:center;justify-content:center;margin-bottom:1.1rem;font-size:1.3rem}
.service-card h3{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:1.05rem;color:var(--navy);margin-bottom:.6rem}
.service-card ul{list-style:none;color:var(--gray);font-size:.855rem;line-height:2}
.service-card ul li::before{content:"→ ";color:var(--gold);font-weight:600}

/* TEAM */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.8rem}
.team-card{background:var(--white);border-radius:14px;overflow:hidden;
  border:1px solid rgba(0,0,0,.07);transition:all .3s}
.team-card:hover{transform:translateY(-5px);box-shadow:0 20px 40px rgba(0,0,0,.1)}
.team-photo-wrap{width:100%;height:300px;overflow:hidden;background:#d7dbe3}
.team-photo{width:100%;height:100%;object-fit:contain;object-position:center center;display:block}
.team-info{padding:1.4rem}
.team-name{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:1.12rem;color:var(--navy);margin-bottom:.2rem}
.team-role{color:var(--gold);font-size:.76rem;font-weight:600;text-transform:uppercase;
  letter-spacing:.08em;margin-bottom:.85rem}
.team-bio{color:var(--gray);font-size:.855rem;line-height:1.65;margin-bottom:1rem;
  display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}
.team-contact a{display:block;color:var(--navy-mid);font-size:.82rem;text-decoration:none;
  margin-bottom:.25rem;transition:color .2s}
.team-contact a:hover{color:var(--gold)}

/* REVIEWS */
.reviews-section{background:var(--navy);padding:5rem 5%}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.8rem}
.review-card{background:rgba(255,255,255,.06);border:1px solid rgba(201,168,76,.18);
  border-radius:12px;padding:1.8rem}
.review-stars{color:var(--gold);font-size:.95rem;letter-spacing:3px;margin-bottom:.9rem}
.review-quote{color:rgba(255,255,255,.72);font-size:.88rem;line-height:1.72;
  font-style:italic;margin-bottom:1.1rem}
.review-author{color:var(--white);font-weight:600;font-size:.86rem}
.review-type{color:rgba(255,255,255,.4);font-size:.76rem;margin-top:2px}

/* ABOUT */
.about-badge{display:inline-block;border:1px solid rgba(201,168,76,.4);
  color:var(--gold-light);padding:.32rem .85rem;border-radius:100px;
  font-size:.76rem;font-weight:500;margin:.2rem}
.about-stats-bar{background:var(--gold);padding:3rem 5%}
.about-stats-bar-inner{max-width:1200px;margin:0 auto;
  display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;text-align:center}
.astat-num{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:2.4rem;font-weight:700;color:var(--navy)}
.astat-label{font-size:.82rem;font-weight:600;color:var(--navy-mid);margin-top:4px}

/* CALCULATORS */
.calc-card{background:var(--white);border-radius:16px;padding:2.2rem;
  border:1px solid rgba(0,0,0,.07);box-shadow:0 4px 20px rgba(0,0,0,.05)}
.calc-card-header{display:flex;align-items:center;gap:.9rem;
  margin-bottom:1.8rem;padding-bottom:1.2rem;border-bottom:2px solid var(--cream)}
.calc-icon{width:48px;height:48px;background:var(--navy);border-radius:10px;
  display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.calc-card-header h3{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:1.15rem;color:var(--navy)}
.calc-card-header p{color:var(--gray);font-size:.82rem;margin-top:2px}
.form-group{margin-bottom:1.1rem}
.form-group label{display:block;font-size:.8rem;font-weight:600;color:var(--navy);
  margin-bottom:.4rem;letter-spacing:.02em}
.form-group input,.form-group select{width:100%;padding:.7rem .95rem;
  border:1.5px solid rgba(0,0,0,.1);border-radius:8px;font-family:'DM Sans',sans-serif;
  font-size:.9rem;color:var(--text);background:var(--white);transition:border-color .2s;outline:none}
.form-group input:focus,.form-group select:focus{border-color:var(--gold)}
.form-group textarea{width:100%;padding:.75rem 1rem;border:1.5px solid rgba(0,0,0,.1);
  border-radius:8px;font-family:'DM Sans',sans-serif;font-size:.9rem;color:var(--text);
  background:var(--white);outline:none;resize:vertical;min-height:110px;transition:border-color .2s}
.form-group textarea:focus{border-color:var(--gold)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.toggle-group{display:flex;border:1.5px solid rgba(0,0,0,.1);border-radius:8px;overflow:hidden}
.toggle-btn{flex:1;padding:.65rem;text-align:center;cursor:pointer;font-size:.85rem;
  font-weight:500;color:var(--gray);background:var(--white);border:none;
  font-family:inherit;transition:all .2s}
.toggle-btn.active{background:var(--navy);color:var(--white)}
.calc-result{margin-top:1.4rem;padding:1.4rem;border-radius:10px;
  background:var(--navy);text-align:center}
.result-label{color:rgba(255,255,255,.6);font-size:.8rem;letter-spacing:.06em;
  text-transform:uppercase;margin-bottom:.3rem}
.result-amount{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:2.2rem;font-weight:700;color:var(--gold)}
.result-sub{color:rgba(255,255,255,.5);font-size:.78rem;margin-top:.3rem}
.result-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:1rem}
.result-item{background:rgba(255,255,255,.06);border-radius:8px;padding:.75rem}
.result-item-label{color:rgba(255,255,255,.5);font-size:.72rem;text-transform:uppercase;letter-spacing:.05em}
.result-item-val{color:var(--white);font-weight:600;font-size:.95rem;margin-top:3px}
.calc-btn-row{display:flex;gap:.6rem;margin-top:.5rem}
.calc-btn{flex:1;background:var(--gold);color:var(--navy);border:none;padding:.85rem;
  border-radius:8px;font-family:'DM Sans',sans-serif;font-size:.92rem;font-weight:600;
  cursor:pointer;transition:all .2s;white-space:nowrap}
.calc-btn:hover{background:var(--gold-light);transform:translateY(-1px)}
.calc-btn-pdf{flex:0 0 auto;background:transparent;color:var(--navy);
  border:1.5px solid var(--gold);padding:.85rem 1.1rem;
  border-radius:8px;font-family:'DM Sans',sans-serif;font-size:.85rem;font-weight:600;
  cursor:pointer;transition:all .2s;white-space:nowrap;display:flex;align-items:center;gap:.4rem}
.calc-btn-pdf:hover{background:var(--gold);color:var(--navy);transform:translateY(-1px)}
.form-submit{width:100%;background:var(--navy);color:var(--white);border:none;padding:.95rem;
  border-radius:8px;font-family:'DM Sans',sans-serif;font-size:.92rem;font-weight:600;
  cursor:pointer;transition:all .2s;margin-top:.5rem}
.form-submit:hover{background:var(--navy-mid);transform:translateY(-1px)}

/* PAGE HERO */
.page-hero{background:var(--navy);padding:4rem 5%}
.page-hero-inner{max-width:1200px;margin:0 auto}
.page-hero h1{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:clamp(2rem,3.5vw,3rem);
  color:var(--white);font-weight:700;margin-bottom:.7rem}
.page-hero p{color:rgba(255,255,255,.6);font-size:1rem;max-width:560px;line-height:1.7}
.breadcrumb{display:flex;gap:.5rem;align-items:center;margin-bottom:1rem}
.breadcrumb span{color:rgba(255,255,255,.4);font-size:.82rem;cursor:pointer;transition:color .2s}
.breadcrumb span:hover{color:var(--gold)}
.breadcrumb-sep{color:rgba(255,255,255,.2);font-size:.75rem}

/* INFO BOX */
.info-box{background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.3);
  border-radius:12px;padding:1.5rem;margin-bottom:1.5rem}
.info-box h4{color:var(--navy);font-weight:600;margin-bottom:.5rem;font-size:.95rem}
.info-box p,.info-box li{color:var(--gray);font-size:.88rem;line-height:1.7}
.info-box ul{padding-left:1.2rem;margin-top:.4rem}

/* SCHEME CARDS */
.scheme-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin:2rem 0}
.scheme-card{background:var(--white);border-radius:12px;padding:1.8rem;
  border:2px solid rgba(201,168,76,.25);position:relative;overflow:hidden}
.scheme-card-badge{position:absolute;top:0;right:0;background:var(--gold);color:var(--navy);
  font-size:.72rem;font-weight:700;padding:.3rem .8rem;border-radius:0 12px 0 8px}
.scheme-card h3{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:1.05rem;color:var(--navy);margin-bottom:.4rem}
.scheme-deposit{font-size:1.8rem;font-weight:700;color:var(--gold);
  font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;margin-bottom:.8rem}
.scheme-card ul{list-style:none;color:var(--gray);font-size:.855rem;line-height:1.9}
.scheme-card ul li::before{content:"✓ ";color:var(--gold);font-weight:700}
.lenders-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem;margin-top:1.5rem}
.lender-pill{background:var(--white);border:1px solid rgba(0,0,0,.1);border-radius:8px;
  padding:.6rem .9rem;font-size:.82rem;font-weight:500;color:var(--navy);text-align:center}

/* SUBURB TAGS */
.suburb-tags{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.2rem}
.suburb-tag{background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.25);
  color:var(--navy);padding:.3rem .75rem;border-radius:100px;font-size:.78rem;font-weight:500}

/* SOCIAL */
.social-links{display:flex;gap:.8rem;align-items:center}
.social-link{display:inline-flex;align-items:center;justify-content:center;
  width:44px;height:44px;border-radius:10px;background:rgba(255,255,255,.08);
  transition:background .2s,transform .2s;text-decoration:none}
.social-link:hover{background:rgba(255,255,255,.15);transform:translateY(-2px)}
.social-link svg{width:24px;height:24px}
.social-link-light{background:rgba(0,0,0,.07)}
.social-link-light:hover{background:rgba(0,0,0,.12)}

/* CONTACT */
.contact-body{padding:5rem 5%}
.contact-body-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1.4fr;gap:4rem}
.contact-detail{display:flex;gap:1rem;margin-bottom:1.3rem;align-items:flex-start}
.contact-icon{width:40px;height:40px;flex-shrink:0;background:rgba(201,168,76,.1);
  border-radius:8px;display:flex;align-items:center;justify-content:center}
.contact-detail-label{font-size:.74rem;color:var(--gray);text-transform:uppercase;letter-spacing:.08em}
.contact-detail-value{color:var(--navy);font-weight:500;margin-top:2px;font-size:.93rem}
.contact-detail-value a{color:var(--navy);text-decoration:none}
.contact-detail-value a:hover{color:var(--gold)}
.contact-form{background:var(--cream);border-radius:16px;padding:2.5rem}
.contact-form h3{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;font-size:1.4rem;color:var(--navy);margin-bottom:.4rem}
.form-subtitle{color:var(--gray);font-size:.85rem;margin-bottom:1.8rem}

/* FOOTER */
footer{background:var(--navy);padding:3rem 5% 1.5rem;border-top:1px solid rgba(201,168,76,.2)}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:3rem;margin-bottom:2.5rem}
.footer-logo{height:52px;object-fit:contain;margin-bottom:1rem;display:block}
.footer-tagline{color:rgba(255,255,255,.48);font-size:.86rem;line-height:1.7;margin-bottom:1.2rem}
.footer-col h4{color:var(--white);font-size:.8rem;font-weight:600;letter-spacing:.09em;
  text-transform:uppercase;margin-bottom:1rem}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:.55rem}
.footer-col ul li a{color:rgba(255,255,255,.48);font-size:.86rem;text-decoration:none;
  cursor:pointer;transition:color .2s}
.footer-col ul li a:hover{color:var(--gold-light)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:1.4rem}
.footer-legal{color:rgba(255,255,255,.3);font-size:.76rem;line-height:1.7}

/* VALUES */
.about-values{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:3rem}
.value-card{background:var(--cream);border-radius:12px;padding:1.8rem;border:1px solid rgba(0,0,0,.06)}
.value-icon{font-size:1.8rem;margin-bottom:.9rem}
.value-card h4{font-family:'Calibri', 'Trebuchet MS', 'Gill Sans MT', 'Gill Sans', sans-serif;color:var(--navy);font-size:1rem;margin-bottom:.5rem}
.value-card p{color:var(--gray);font-size:.86rem;line-height:1.65}

/* RESPONSIVE */
@media(max-width:960px){
  .hero-banner-btns{bottom:1rem}
  .services-grid,.team-grid,.reviews-grid{grid-template-columns:1fr 1fr}
  .about-values,.scheme-grid{grid-template-columns:1fr}
  .about-stats-bar-inner{grid-template-columns:1fr 1fr}
  .lenders-grid{grid-template-columns:repeat(2,1fr)}
  .contact-body-inner{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .nav-links{display:none}.nav-hamburger{display:flex}
}
@media(max-width:600px){
  .services-grid,.team-grid,.about-values,.reviews-grid{grid-template-columns:1fr}
  .form-row,.form-row-2,.result-breakdown{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .about-stats-bar-inner{grid-template-columns:1fr 1fr}
  .lenders-grid{grid-template-columns:1fr 1fr}
}


/* ── LEAD CAPTURE MODAL ── */

/* Consultant selector */
.consultant-selector { margin-bottom:1.2rem; }
.consultant-selector label { display:block; font-size:.8rem; font-weight:600; color:var(--navy); margin-bottom:.6rem; }
.consultant-options { display:grid; grid-template-columns:1fr 1fr; gap:.7rem; }
.consultant-card {
  display:flex; flex-direction:column; align-items:center; gap:.4rem;
  padding:.9rem .7rem; border-radius:10px; cursor:pointer;
  border:2px solid rgba(0,0,0,.08); background:var(--cream);
  font-family:inherit; text-align:center; transition:all .2s;
}
.consultant-card:hover { border-color:var(--gold); background:rgba(201,168,76,.06); transform:translateY(-1px); }
.consultant-card.selected { border-color:var(--gold); background:rgba(201,168,76,.1); }
.consultant-photo {
  width:56px; height:56px; border-radius:50%; object-fit:cover;
  object-position:center 8%; border:2px solid rgba(201,168,76,.3);
}
.consultant-name { font-size:.82rem; font-weight:700; color:var(--navy); line-height:1.2; }
.consultant-role { font-size:.72rem; color:var(--gray); }
.consultant-phone { font-size:.72rem; color:var(--gold); font-weight:600; }

.modal-overlay {
  display:none; position:fixed; inset:0; z-index:1000;
  background:rgba(0,0,0,.65); backdrop-filter:blur(4px);
  align-items:center; justify-content:center; padding:1rem;
}
.modal-overlay.open { display:flex; }
.modal-box {
  background:var(--white); border-radius:16px;
  width:100%; max-width:520px; max-height:90vh;
  overflow-y:auto; box-shadow:0 24px 80px rgba(0,0,0,.4);
  animation:modalIn .25s ease;
}
@keyframes modalIn { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }
.modal-header {
  background:var(--navy); padding:1.6rem 2rem; border-radius:16px 16px 0 0;
  display:flex; align-items:center; justify-content:space-between;
}
.modal-header h3 { color:var(--white); font-size:1.1rem; font-weight:600; }
.modal-close {
  background:rgba(255,255,255,.1); border:none; color:white;
  width:32px; height:32px; border-radius:8px; cursor:pointer;
  font-size:1.1rem; display:flex; align-items:center; justify-content:center;
  transition:background .2s;
}
.modal-close:hover { background:rgba(255,255,255,.2); }
.modal-body { padding:1.8rem 2rem; }
.modal-sub { color:var(--gray); font-size:.88rem; line-height:1.6; margin-bottom:1.5rem; }
.modal-actions { display:grid; grid-template-columns:1fr 1fr; gap:.8rem; margin-bottom:1.5rem; }
.modal-action-btn {
  display:flex; flex-direction:column; align-items:center; gap:.4rem;
  padding:1rem; border-radius:10px; cursor:pointer; transition:all .2s;
  border:2px solid rgba(0,0,0,.08); background:var(--cream);
  font-family:inherit; text-align:center;
}
.modal-action-btn:hover { border-color:var(--gold); background:rgba(201,168,76,.06); transform:translateY(-2px); }
.modal-action-btn.selected { border-color:var(--gold); background:rgba(201,168,76,.1); }
.modal-action-icon { font-size:1.6rem; }
.modal-action-label { font-size:.82rem; font-weight:600; color:var(--navy); }
.modal-action-desc { font-size:.74rem; color:var(--gray); }
.modal-divider { height:1px; background:rgba(0,0,0,.07); margin:1.2rem 0; }
.modal-form-group { margin-bottom:1rem; }
.modal-form-group label { display:block; font-size:.8rem; font-weight:600; color:var(--navy); margin-bottom:.35rem; }
.modal-form-group input {
  width:100%; padding:.65rem .9rem; border:1.5px solid rgba(0,0,0,.1);
  border-radius:8px; font-family:inherit; font-size:.9rem; outline:none;
  transition:border-color .2s;
}
.modal-form-group input:focus { border-color:var(--gold); }
.modal-optional { color:var(--gray); font-weight:400; font-size:.75rem; }
.modal-consent { font-size:.75rem; color:var(--gray); line-height:1.6; margin-top:.8rem; }
.modal-submit {
  width:100%; background:var(--gold); color:var(--navy); border:none;
  padding:.9rem; border-radius:8px; font-family:inherit; font-size:.92rem;
  font-weight:700; cursor:pointer; margin-top:1rem; transition:all .2s;
  letter-spacing:.02em;
}
.modal-submit:hover { background:var(--gold-light); transform:translateY(-1px); }
.modal-submit:disabled { opacity:.5; cursor:not-allowed; transform:none; }
.modal-success { text-align:center; padding:1.5rem 0; }
.modal-success-icon { font-size:3rem; margin-bottom:.8rem; }
.modal-success h4 { color:var(--navy); font-size:1.1rem; margin-bottom:.5rem; }
.modal-success p { color:var(--gray); font-size:.88rem; line-height:1.6; }
.calc-save-bar {
  display:flex; gap:.8rem; align-items:center; justify-content:center;
  margin-top:1.5rem; padding:1.2rem 1.5rem;
  background:var(--navy); border-radius:12px; flex-wrap:wrap;
}
.calc-save-bar p { color:rgba(255,255,255,.75); font-size:.88rem; flex:1; min-width:200px; }
.calc-save-btn {
  display:inline-flex; align-items:center; gap:.5rem;
  background:var(--gold); color:var(--navy); border:none;
  padding:.65rem 1.2rem; border-radius:8px; font-family:inherit;
  font-size:.85rem; font-weight:600; cursor:pointer; transition:all .2s;
  white-space:nowrap;
}
.calc-save-btn:hover { background:var(--gold-light); transform:translateY(-1px); }
.calc-save-btn.outline {
  background:transparent; border:1.5px solid rgba(255,255,255,.35);
  color:var(--white);
}
.calc-save-btn.outline:hover { border-color:var(--gold); color:var(--gold); }

.service-card.clickable{cursor:pointer;transition:transform .2s,box-shadow .2s}
.service-card.clickable:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(0,0,0,.25)}