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

    body {
      min-height: 100vh;
      background: #f8fafc;
      font-family: 'Inter', sans-serif;
      overflow-x: hidden;
      width: 100%;
    }

    /* ---------- TOP BAR (fully responsive, from index) ---------- */
    .top-bar {
      background: #0f2b46;
      color: #fff;
      display: flex;
      flex-wrap: wrap;
      justify-content: space-between;
      padding: clamp(8px, 2vh, 10px) 5%;
      align-items: center;
      font-size: clamp(12px, 3.5vw, 14px);
      position: relative;
      overflow: hidden;
      z-index: 1001;
      gap: clamp(8px, 2vw, 15px);
    }

    .top-bar::before {
      content: "";
      position: absolute;
      top: 0;
      left: -100%;
      width: 100%;
      height: 100%;
      background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.1), transparent);
      animation: shimmer 8s infinite;
      pointer-events: none;
    }

    @keyframes shimmer {
      0% { left: -100%; }
      20% { left: 200%; }
      100% { left: 200%; }
    }

    .top-bar i {
      margin-right: 5px;
      color: #ffd700;
    }

    .top-bar .fa-phone {
      animation: softPulse 2s infinite;
    }

    @keyframes softPulse {
      0%, 100% { opacity: 1; transform: scale(1); }
      50% { opacity: 0.8; transform: scale(1.05); }
    }

    .top-bar select {
      padding: clamp(6px, 1.5vh, 8px) clamp(15px, 4vw, 20px);
      background: rgba(255, 255, 255, 0.1);
      border: 1px solid rgba(255, 255, 255, 0.2);
      color: #fff;
      border-radius: 30px;
      cursor: pointer;
      transition: all 0.3s ease;
      font-size: clamp(12px, 3.5vw, 14px);
      backdrop-filter: blur(5px);
      min-width: clamp(120px, 30vw, 140px);
      appearance: none;
      background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffd700' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
      background-repeat: no-repeat;
      background-position: right 10px center;
      background-size: 16px;
    }

    .top-bar select:hover {
      background: rgba(255, 215, 0, 0.15);
      border-color: #ffd700;
      box-shadow: 0 0 20px rgba(255, 215, 0, 0.3);
      transform: translateY(-2px);
    }

    .top-bar select:focus {
      outline: none;
      border-color: #ffd700;
      box-shadow: 0 0 0 3px rgba(255, 215, 0, 0.3);
    }

    .top-bar select option {
      background: #0f2b46;
      color: #fff;
    }

    @media (max-width: 600px) {
      .top-bar { flex-direction: column; text-align: center; }
      .top-left { justify-content: center; flex-wrap: wrap; }
    }

    /* CTA button style for LOGIN/SIGNUP link */
    .navbar nav a.cta-link {
      background: linear-gradient(145deg, #ffd700, #ffb800);
      color: #0f2b46;
      padding: 8px 20px;
      border-radius: 50px;
      font-weight: 700;
      border: 2px solid transparent;
      box-shadow: 0 4px 15px rgba(255, 215, 0, 0.3);
      transition: all 0.3s ease;
      position: relative;
      overflow: hidden;
    }

    .navbar nav a.cta-link::before {
      content: '';
      position: absolute;
      top: 0;
      left: -100%;
      width: 100%;
      height: 100%;
      background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
      transition: left 0.6s;
    }

    .navbar nav a.cta-link:hover::before {
      left: 100%;
    }

    .navbar nav a.cta-link:hover {
      background: linear-gradient(145deg, #ffb800, #ffd700);
      transform: translateY(-3px);
      box-shadow: 0 10px 25px rgba(255, 215, 0, 0.5);
      border-color: #00ffff;
    }

    .navbar nav a.cta-link:after {
      display: none;
    }

    .navbar nav a.cta-link i {
      margin-right: 5px;
      transition: transform 0.3s;
    }

    .navbar nav a.cta-link:hover i {
      transform: rotate(90deg);
    }

    .navbar.scrolled nav a.cta-link {
      background: linear-gradient(145deg, #ffd700, #ffaa00);
      color: #0a1a2f;
      box-shadow: 0 4px 15px rgba(0, 255, 255, 0.3);
    }

    /* ---------- NAVBAR (fully responsive, slide-down, from index) ---------- */
    .navbar {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: clamp(10px, 2.5vh, 15px) 5%;
      background: #ffffff;
      box-shadow: 0 2px 10px rgba(0,0,0,0.03);
      transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
      z-index: 999;
      position: relative;
    }

    .navbar.scrolled {
      background: rgba(10, 25, 45, 0.95);
      backdrop-filter: blur(10px);
      box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
      border-bottom: 1px solid rgba(255, 215, 0, 0.2);
    }

    .navbar.scrolled nav a {
      color: #ffffff;
    }

    .navbar.scrolled .logo img {
      filter: brightness(0) invert(1);
    }

    .navbar.sticky {
      position: fixed;
      top: 0;
      width: 100%;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
    }

    .navbar nav {
      display: flex;
      gap: clamp(15px, 3vw, 30px);
    }

    .navbar nav a {
      text-decoration: none;
      color: #1e293b;
      font-weight: 500;
      font-size: clamp(12px, 3vw, 14px);
      transition: 0.3s;
      position: relative;
    }

    .navbar nav a:after {
      content: "";
      position: absolute;
      bottom: -5px;
      left: 0;
      width: 0;
      height: 2px;
      background: #ffd700;
      transition: 0.3s;
    }

    .navbar.scrolled nav a:after {
      background: #ffd700;
    }

    .navbar nav a:hover:after,
    .navbar nav a.active:after {
      width: 100%;
    }

    .navbar nav a.active {
      color: #0f2b46;
      font-weight: 600;
    }

    .navbar.scrolled nav a.active {
      color: #ffd700;
    }

    .logo img {
      height: clamp(30px, 10vw, 60px);
      transition: all 0.3s ease;
    }

    .menu-toggle {
      display: none;
      font-size: clamp(22px, 6vw, 28px);
      cursor: pointer;
      color: #0f2b46;
      z-index: 1002;
      transition: transform 0.3s ease;
    }

    .navbar.scrolled .menu-toggle {
      color: #ffd700;
    }

    .menu-toggle:hover {
      transform: scale(1.1);
    }

    /* mobile menu – slide down (fully responsive) */
    @media (max-width: 992px) {
      .navbar {
        flex-wrap: wrap;
        position: relative;
      }

      .navbar nav {
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: #0a1a2f;
        flex-direction: column;
        padding: 0 20px;
        box-shadow: 0 10px 20px rgba(0, 0, 0, 0.3);
        z-index: 998;
        transition: max-height 0.4s ease, padding 0.3s ease;
        max-height: 0;
        overflow: hidden;
        gap: 0;
        display: flex !important;
        pointer-events: auto;
        border-bottom-left-radius: 12px;
        border-bottom-right-radius: 12px;
      }

      .navbar nav.active {
        max-height: 550px;
        padding: 15px 20px 25px;
        border-top: 1px solid rgba(255,215,0,0.3);
      }

      .navbar nav a {
        color: #ffffff;
        font-size: 16px;
        font-weight: 500;
        padding: 14px 15px;
        width: 100%;
        text-align: left;
        border-radius: 8px;
        opacity: 1;
        transform: none;
        transition: background 0.2s, color 0.2s, transform 0.2s;
        background: transparent;
        border: 1px solid transparent;
        letter-spacing: 0.5px;
        pointer-events: auto;
        margin: 2px 0;
      }

      .navbar nav a:hover {
        background: #ffd700;
        color: #0a1a2f;
        border-color: #ffd700;
        transform: translateX(5px);
      }

      .navbar nav a.active {
        background: #ffd700;
        color: #0a1a2f;
        font-weight: 600;
        border-color: #ffd700;
      }

      .navbar nav a:after {
        display: none;
      }

      .menu-toggle {
        display: block;
      }

      .menu-toggle.active i {
        transform: rotate(90deg);
      }

      .menu-toggle i {
        transition: transform 0.3s ease;
      }

      .menu-toggle.active i::before {
        content: "\f00d";
      }

      .nav-overlay {
        display: none;
      }

      body.menu-open {
        overflow: hidden;
      }
    }

    /* ---------- PAGE HEADER (stunning) ---------- */
    .faq-header {
      background: linear-gradient(135deg, #0b1c2f, #1b3b5c);
      padding: clamp(50px, 12vh, 100px) 5% clamp(40px, 10vh, 80px);
      text-align: center;
      position: relative;
      overflow: hidden;
      clip-path: polygon(0 0, 100% 0, 100% 85%, 0 100%);
    }

    .faq-header::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(circle at 30% 30%, rgba(255,215,0,0.15) 0%, transparent 50%),
                  radial-gradient(circle at 70% 70%, rgba(0,255,255,0.15) 0%, transparent 50%);
      z-index: 1;
      animation: glowPulse 8s infinite alternate;
    }

    @keyframes glowPulse {
      0% { opacity: 0.3; }
      100% { opacity: 1; }
    }

    .faq-header h1 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(2.5rem, 10vw, 5rem);
      font-weight: 700;
      background: linear-gradient(130deg, #ffd700, #00ffff, #ffd700);
      -webkit-background-clip: text;
      background-clip: text;
      color: transparent;
      margin-bottom: 0.5rem;
      position: relative;
      z-index: 2;
      text-transform: uppercase;
      letter-spacing: -0.02em;
      animation: titleGlitch 3s infinite;
    }

    @keyframes titleGlitch {
      0%, 100% { text-shadow: 0.05em 0 0 rgba(255,215,0,0.3), -0.05em -0.025em 0 rgba(0,255,255,0.3); }
      25% { text-shadow: -0.05em 0.025em 0 rgba(255,215,0,0.3), 0.05em 0 0 rgba(0,255,255,0.3); }
      50% { text-shadow: 0.075em 0.05em 0 rgba(255,215,0,0.3), -0.05em -0.05em 0 rgba(0,255,255,0.3); }
      75% { text-shadow: -0.05em 0 0 rgba(255,215,0,0.3), 0.025em 0.05em 0 rgba(0,255,255,0.3); }
    }

    .faq-header .subhead {
      font-size: clamp(1rem, 3vw, 1.4rem);
      color: rgba(255,255,255,0.8);
      max-width: 700px;
      margin: 1.5rem auto 0;
      position: relative;
      z-index: 2;
      font-family: 'Playfair Display', serif;
      font-style: italic;
      border-left: 4px solid #ffd700;
      border-right: 4px solid cyan;
      padding: 0.5rem 1.5rem;
      display: inline-block;
      backdrop-filter: blur(5px);
      border-radius: 60px;
    }

    /* floating orbs (same vibe) */
    .faq-orb {
      position: absolute;
      width: min(40vmax, 800px);
      height: min(40vmax, 800px);
      border-radius: 50%;
      background: radial-gradient(circle at 40% 40%, rgba(255,215,0,0.2), transparent 70%);
      filter: blur(60px);
      z-index: 0;
      animation: orbDrift 20s infinite alternate;
    }
    .faq-orb1 { top: -20vh; right: -10vw; background: rgba(0,255,255,0.15); }
    .faq-orb2 { bottom: -20vh; left: -10vw; background: rgba(255,215,0,0.2); animation-delay: -5s; }

    @keyframes orbDrift {
      0% { transform: translate(0, 0) scale(1); }
      100% { transform: translate(5%, 10%) scale(1.2); }
    }

    /* ---------- SEARCH SECTION ---------- */
    .search-section {
      padding: 3rem 5%;
      background: #f8fafc;
      position: relative;
      z-index: 5;
    }

    .search-container {
      max-width: 800px;
      margin: 0 auto;
      display: flex;
      gap: 1rem;
      background: white;
      border-radius: 60px;
      padding: 0.5rem;
      box-shadow: 0 20px 40px -15px rgba(0,0,0,0.2), 0 0 0 2px rgba(255,215,0,0.2);
      transition: 0.4s;
    }
    .search-container:focus-within {
      box-shadow: 0 20px 50px -15px gold, 0 0 0 3px cyan;
    }

    .search-container input {
      flex: 1;
      border: none;
      padding: 1rem 1.5rem;
      font-size: 1.1rem;
      border-radius: 60px;
      outline: none;
      background: transparent;
      min-width: 0; /* prevents overflow on small screens */
    }

    .search-container button {
      background: linear-gradient(145deg, #0f2b46, #1a3f62);
      border: none;
      color: #ffd700;
      padding: 1rem 2rem;
      border-radius: 60px;
      font-weight: 600;
      cursor: pointer;
      display: flex;
      align-items: center;
      gap: 0.8rem;
      transition: 0.3s;
      border: 1px solid rgba(255,215,0,0.3);
    }
    .search-container button:hover {
      background: #ffd700;
      color: #0a1a2f;
      transform: scale(1.05);
      box-shadow: 0 10px 30px gold;
    }

    /* ---------- CATEGORY TABS ---------- */
    .category-tabs {
      display: flex;
      flex-wrap: wrap;
      justify-content: center;
      gap: 1rem;
      margin: 2rem auto 3rem;
      max-width: 1200px;
      padding: 0 5%;
    }

    .cat-btn {
      background: transparent;
      border: 2px solid rgba(255,215,0,0.3);
      color: #0f2b46;
      font-weight: 600;
      padding: 0.8rem 2rem;
      border-radius: 40px;
      cursor: pointer;
      transition: 0.3s;
      font-size: clamp(0.9rem, 2.5vw, 1rem);
      backdrop-filter: blur(5px);
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }
    .cat-btn i { color: #ffd700; }
    .cat-btn.active, .cat-btn:hover {
      background: linear-gradient(145deg, #0f2b46, #1a3f62);
      color: #ffd700;
      border-color: cyan;
      box-shadow: 0 10px 30px rgba(0,255,255,0.3);
      transform: translateY(-3px);
    }
    .cat-btn.active i, .cat-btn:hover i { color: cyan; }

    /* ---------- FAQ GRID (MADLY STUNNING) ---------- */
    .faq-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(min(350px, 100%), 1fr));
      gap: 2rem;
      max-width: 1400px;
      margin: 0 auto;
      padding: 0 5% 4rem;
      position: relative;
      z-index: 5;
    }

    .faq-card {
      background: rgba(255,255,255,0.8);
      backdrop-filter: blur(12px);
      -webkit-backdrop-filter: blur(12px);
      border: 1px solid rgba(255,215,0,0.3);
      border-radius: 2.5rem;
      padding: 2rem 2rem 1.8rem;
      transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
      box-shadow: 0 20px 40px -12px rgba(0,0,0,0.2);
      position: relative;
      overflow: hidden;
    }

    .faq-card::before {
      content: '';
      position: absolute;
      top: 0;
      left: 0;
      width: 100%;
      height: 6px;
      background: linear-gradient(90deg, #ffd700, cyan, #ffd700);
      transform: translateX(-100%);
      transition: transform 0.6s ease;
    }

    .faq-card:hover {
      transform: translateY(-15px) scale(1.02);
      border-color: cyan;
      box-shadow: 0 40px 70px -10px rgba(255,215,0,0.5), 0 0 0 2px rgba(0,255,255,0.3);
    }

    .faq-card:hover::before {
      transform: translateX(0);
    }

    .faq-icon {
      font-size: 2.5rem;
      margin-bottom: 1.5rem;
      background: linear-gradient(145deg, #0f2b46, #1a3f62);
      width: 70px;
      height: 70px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      color: #ffd700;
      border: 2px solid cyan;
      box-shadow: 0 0 30px cyan;
      transition: 0.4s;
    }
    .faq-card:hover .faq-icon {
      transform: rotate(360deg) scale(1.1);
      background: #ffd700;
      color: #0f2b46;
      border-color: #0f2b46;
    }

    .faq-card h3 {
      font-size: 1.5rem;
      font-weight: 700;
      margin-bottom: 1rem;
      color: #0f2b46;
      padding-right: 2rem;
    }

    .faq-desc {
      color: #334155;
      line-height: 1.7;
      margin-bottom: 1.5rem;
      font-size: 1rem;
    }

    .faq-meta {
      display: flex;
      justify-content: space-between;
      align-items: center;
      border-top: 1px dashed rgba(255,215,0,0.4);
      padding-top: 1.2rem;
      margin-top: 0.5rem;
    }

    .faq-tag {
      background: rgba(255,215,0,0.15);
      padding: 0.3rem 1rem;
      border-radius: 40px;
      font-size: 0.8rem;
      font-weight: 600;
      color: #0f2b46;
      border: 1px solid rgba(255,215,0,0.4);
    }

    .read-more {
      color: cyan;
      font-weight: 600;
      text-decoration: none;
      display: flex;
      align-items: center;
      gap: 0.5rem;
      transition: 0.3s;
    }
    .read-more:hover {
      gap: 1rem;
      color: #ffd700;
    }

    /* ---------- CTA SECTION (stunning) ---------- */
    .faq-cta {
      background: linear-gradient(145deg, #0f2b46, #1a3f62);
      padding: 4rem 5%;
      text-align: center;
      position: relative;
      overflow: hidden;
      clip-path: polygon(0 10%, 100% 0, 100% 90%, 0 100%);
    }

    .faq-cta h2 {
      font-size: clamp(2rem, 6vw, 3.5rem);
      color: #ffd700;
      margin-bottom: 1rem;
      font-family: 'Space Grotesk', sans-serif;
    }
    .faq-cta p {
      font-size: clamp(1rem, 2.5vw, 1.3rem);
      color: rgba(255,255,255,0.9);
      max-width: 600px;
      margin: 0 auto 2rem;
    }
    .cta-button-group {
      display: flex;
      flex-wrap: wrap;
      gap: 1.5rem;
      justify-content: center;
    }
    .cta-btn {
      background: transparent;
      border: 2px solid #ffd700;
      color: #ffd700;
      padding: 1rem 3rem;
      border-radius: 60px;
      font-weight: 700;
      text-decoration: none;
      transition: 0.4s;
      display: inline-flex;
      align-items: center;
      gap: 1rem;
      backdrop-filter: blur(5px);
    }
    .cta-btn:hover {
      background: #ffd700;
      color: #0f2b46;
      transform: translateY(-5px) scale(1.05);
      box-shadow: 0 20px 40px gold;
    }
    .cta-btn.alt {
      border-color: cyan;
      color: cyan;
    }
    .cta-btn.alt:hover {
      background: cyan;
      color: #0f2b46;
      box-shadow: 0 20px 40px cyan;
    }

    /* ---------- FOOTER (fully responsive, from index) ---------- */
    .footer {
      background: #0a1a2f;
      color: #ffffff;
      padding: clamp(50px, 10vh, 80px) 5% 30px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr 2fr;
      gap: clamp(20px, 5vw, 40px);
      max-width: 1200px;
      margin: 0 auto 60px;
    }

    @media (max-width: 1200px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
    @media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr; } }

    .footer-logo img {
      height: clamp(40px, 10vw, 60px);
      margin-bottom: 20px;
      filter: brightness(0) invert(1);
    }

    .footer-about p {
      color: #94a3b8;
      line-height: 1.8;
      margin-bottom: 20px;
      font-size: clamp(14px, 3.5vw, 16px);
    }

    .social-links {
      display: flex;
      flex-wrap: wrap;
      gap: 15px;
    }

    .social-links a {
      width: clamp(35px, 8vw, 40px);
      height: clamp(35px, 8vw, 40px);
      background: rgba(255,255,255,0.1);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      color: #ffffff;
      transition: 0.3s;
      font-size: clamp(16px, 4vw, 18px);
    }

    .social-links a:hover {
      background: #ffd700;
      color: #0a1a2f;
      transform: translateY(-3px);
    }

    .footer h4 {
      font-size: clamp(16px, 4vw, 18px);
      margin-bottom: 25px;
      position: relative;
    }

    .footer h4:after {
      content: "";
      position: absolute;
      bottom: -10px;
      left: 0;
      width: 40px;
      height: 2px;
      background: #ffd700;
    }

    .footer-links {
      list-style: none;
    }

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

    .footer-links a {
      color: #94a3b8;
      text-decoration: none;
      transition: 0.3s;
      font-size: clamp(14px, 3.5vw, 16px);
    }

    .footer-links a:hover {
      color: #ffd700;
      padding-left: 5px;
    }

    .newsletter p {
      color: #94a3b8;
      margin-bottom: 20px;
      font-size: clamp(14px, 3.5vw, 16px);
    }

    .newsletter-form {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
    }

    .newsletter-form input {
      flex: 1 1 150px;
      padding: clamp(10px, 2.5vh, 12px);
      border: none;
      border-radius: 30px;
      background: rgba(255,255,255,0.1);
      color: #ffffff;
      border: 1px solid rgba(255,255,255,0.2);
      min-width: 150px;
    }

    .newsletter-form button {
      width: clamp(45px, 10vw, 50px);
      height: clamp(45px, 10vw, 50px);
      background: #ffd700;
      border: none;
      border-radius: 50%;
      color: #0a1a2f;
      cursor: pointer;
      transition: all 0.3s ease;
      position: relative;
      overflow: hidden;
    }

    .newsletter-form button:hover {
      background: #ffffff;
      transform: scale(1.1) rotate(5deg);
    }

    .footer-bottom {
      text-align: center;
      padding-top: 30px;
      border-top: 1px solid rgba(255,255,255,0.1);
      color: #94a3b8;
      font-size: clamp(12px, 3vw, 14px);
    }

    .risk-disclaimer {
      max-width: 1200px;
      margin: 30px auto 0;
      padding: 20px;
      background: rgba(255,255,255,0.05);
      border-radius: 10px;
      font-size: clamp(11px, 3vw, 12px);
      color: #94a3b8;
      line-height: 1.8;
    }

    /* ---------- CHATBOT (fully responsive, from index) ---------- */
    .chatbot-container {
      position: fixed;
      bottom: clamp(20px, 5vh, 40px);
      right: clamp(10px, 3vw, 20px);
      z-index: 1000;
    }

    .chatbot-avatar {
      width: clamp(50px, 12vw, 70px);
      height: clamp(50px, 12vw, 70px);
      border-radius: 50%;
      background: linear-gradient(135deg, #0f2b46, #1a3f62);
      display: flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      box-shadow: 0 10px 30px rgba(0,0,0,0.3);
      border: 3px solid #ffd700;
      transition: all 0.3s ease;
      animation: avatarPulse 2s infinite;
      overflow: hidden;
      position: relative;
    }

    .chatbot-avatar i {
      font-size: clamp(25px, 6vw, 35px);
      color: #ffd700;
    }

    .chatbot-avatar:hover {
      transform: scale(1.1) rotate(5deg);
      border-color: #00ffff;
      box-shadow: 0 15px 40px rgba(255,215,0,0.4);
    }

    @keyframes avatarPulse {
      0%,100% { box-shadow: 0 5px 20px rgba(255,215,0,0.3); }
      50% { box-shadow: 0 5px 30px rgba(255,215,0,0.6), 0 0 20px #00ffff; }
    }

    .chatbot-window {
      position: absolute;
      bottom: 60px;
      right: 0;
      width: min(350px, 90vw);
      height: min(450px, 70vh);
      background: rgba(15,43,70,0.95);
      backdrop-filter: blur(15px);
      -webkit-backdrop-filter: blur(15px);
      border-radius: 20px;
      border: 1px solid rgba(255,255,255,0.2);
      box-shadow: 0 20px 40px rgba(0,0,0,0.4);
      display: none;
      flex-direction: column;
      overflow: hidden;
      z-index: 1001;
      transform-origin: bottom right;
      animation: chatOpen 0.3s ease;
    }

    @keyframes chatOpen {
      from { opacity: 0; transform: scale(0.8); }
      to { opacity: 1; transform: scale(1); }
    }

    .chatbot-window.active { display: flex; }

    .chatbot-header {
      background: linear-gradient(135deg, #ffd700, #ffaa00);
      padding: clamp(15px, 3vh, 20px);
      color: #0f2b46;
      font-weight: bold;
      display: flex;
      justify-content: space-between;
      align-items: center;
      border-bottom: 1px solid rgba(255,255,255,0.1);
    }

    .chatbot-header h3 {
      display: flex;
      align-items: center;
      gap: 10px;
      font-size: clamp(16px, 4vw, 18px);
    }

    .close-chat {
      background: none;
      border: none;
      color: #0f2b46;
      font-size: clamp(18px, 4.5vw, 20px);
      cursor: pointer;
      transition: transform 0.3s ease;
    }
    .close-chat:hover { transform: rotate(90deg); }

    .chat-messages {
      flex: 1;
      padding: 20px;
      overflow-y: auto;
      display: flex;
      flex-direction: column;
      gap: 15px;
    }

    .message {
      max-width: 80%;
      padding: 12px 15px;
      border-radius: 15px;
      font-size: clamp(12px, 3.5vw, 14px);
      line-height: 1.5;
      animation: messageSlide 0.3s ease;
    }

    @keyframes messageSlide {
      from { opacity: 0; transform: translateY(10px); }
      to { opacity: 1; transform: translateY(0); }
    }

    .message.bot {
      background: rgba(255,255,255,0.1);
      color: #fff;
      align-self: flex-start;
      border-bottom-left-radius: 5px;
      border: 1px solid rgba(255,215,0,0.2);
    }

    .message.user {
      background: #ffd700;
      color: #0f2b46;
      align-self: flex-end;
      border-bottom-right-radius: 5px;
    }

    .typing-indicator {
      display: flex;
      gap: 5px;
      padding: 12px 15px;
      background: rgba(255,255,255,0.1);
      border-radius: 15px;
      width: fit-content;
      border-bottom-left-radius: 5px;
    }

    .typing-indicator span {
      width: 8px;
      height: 8px;
      background: #ffd700;
      border-radius: 50%;
      animation: typing 1.4s infinite;
    }
    .typing-indicator span:nth-child(2) { animation-delay: 0.2s; }
    .typing-indicator span:nth-child(3) { animation-delay: 0.4s; }

    @keyframes typing {
      0%,60%,100% { transform: translateY(0); opacity: 0.5; }
      30% { transform: translateY(-10px); opacity: 1; }
    }

    .chat-input-area {
      padding: clamp(15px, 3vh, 20px);
      background: rgba(0,0,0,0.2);
      display: flex;
      gap: 10px;
      border-top: 1px solid rgba(255,255,255,0.1);
    }

    .chat-input-area input {
      flex: 1;
      padding: 12px;
      border: none;
      border-radius: 25px;
      background: rgba(255,255,255,0.1);
      color: #fff;
      border: 1px solid rgba(255,215,0,0.3);
      transition: all 0.3s ease;
      min-width: 0;
    }
    .chat-input-area input:focus {
      outline: none;
      border-color: #ffd700;
      background: rgba(255,255,255,0.15);
    }
    .chat-input-area button {
      width: clamp(40px, 10vw, 45px);
      height: clamp(40px, 10vw, 45px);
      border-radius: 50%;
      background: #ffd700;
      border: none;
      color: #0f2b46;
      cursor: pointer;
      transition: all 0.3s ease;
    }
    .chat-input-area button:hover {
      transform: scale(1.1) rotate(5deg);
      background: #fff;
    }

    /* ---------- SCROLL TO TOP (fully responsive) ---------- */
    .scroll-to-top {
      position: fixed;
      bottom: clamp(80px, 15vh, 115px);
      right: clamp(10px, 3vw, 23px);
      width: clamp(45px, 12vw, 60px);
      height: clamp(45px, 12vw, 60px);
      border-radius: 50%;
      background: #0f2b46;
      color: #ffd700;
      display: flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      z-index: 998;
      opacity: 0;
      visibility: hidden;
      transition: all 0.3s ease;
      border: none;
      box-shadow: 0 5px 20px rgba(0,0,0,0.2);
      font-weight: bold;
      font-size: clamp(12px, 3vw, 14px);
    }

    .scroll-to-top.visible { opacity: 1; visibility: visible; }

    .scroll-to-top:hover {
      transform: scale(1.1) translateY(-5px);
      box-shadow: 0 10px 30px rgba(255,215,0,0.4);
      background: #ffd700;
      color: #0f2b46;
    }

    .scroll-to-top .progress-ring {
      position: absolute;
      top: 0;
      left: 0;
      width: 100%;
      height: 100%;
    }
    .scroll-to-top svg {
      transform: rotate(-90deg);
      width: 100%;
      height: 100%;
    }
    .scroll-to-top circle {
      fill: none;
      stroke: #ffd700;
      stroke-width: 4;
      stroke-linecap: round;
      stroke-dasharray: 176;
      stroke-dashoffset: 176;
      transition: stroke-dashoffset 0.3s ease;
    }
    .scroll-to-top:hover circle { stroke: #0f2b46; }
    .scroll-to-top .percentage {
      position: relative;
      z-index: 1;
      font-size: clamp(12px, 3vw, 14px);
      font-weight: bold;
    }

    /* category filter visibility */
    .faq-card[data-category] { display: block; }
    .faq-grid.hide-basic .faq-card[data-category="basic"] { display: none; }
    .faq-grid.hide-account .faq-card[data-category="account"] { display: none; }
    .faq-grid.hide-trading .faq-card[data-category="trading"] { display: none; }
    .faq-grid.hide-tech .faq-card[data-category="tech"] { display: none; }
    .faq-grid.hide-funds .faq-card[data-category="funds"] { display: none; }