:root {
  --steel: #1b2838;
  --red: #ba0c2f;
  --paper: #eef2f6;
  --card: #fff;
  --muted: #445060;
  --line: #d5dde6;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: "IBM Plex Sans", system-ui, sans-serif; background: var(--paper); color: var(--steel); line-height: 1.55; }
h1, h2, h3 { font-family: "Source Serif 4", Georgia, serif; line-height: 1.15; }
a { color: var(--red); }
.top { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: .9rem 1.3rem; background: var(--steel); color: #fff; }
.top a { color: #fff; text-decoration: none; }
.cta { display: inline-block; background: var(--red); color: #fff !important; font-weight: 700; text-decoration: none; border-radius: 6px; padding: .7rem 1rem; }
.ghost { display: inline-block; border: 1px solid var(--line); padding: .65rem 1rem; border-radius: 6px; text-decoration: none; color: var(--steel); font-weight: 600; }
.hero, section { max-width: 980px; margin: 0 auto; padding: 2.6rem 1.2rem; }
.hero h1 { font-size: clamp(2rem, 5vw, 3.1rem); max-width: 16ch; margin: .35rem 0 1rem; }
.kicker { text-transform: uppercase; letter-spacing: .1em; font-size: .75rem; color: var(--red); font-weight: 700; }
.lede { color: var(--muted); font-size: 1.1rem; max-width: 62ch; }
.actions { display: flex; gap: .7rem; flex-wrap: wrap; margin: 1.2rem 0; }
.grid { display: grid; gap: .85rem; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); margin-top: 1rem; }
article { background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 1rem; }
.rule { background: #e8eef5; border-left: 4px solid var(--steel); padding: .9rem 1rem; margin: 1rem 0; }
.yes { border-left: 4px solid #276749; }
.no { border-left: 4px solid var(--red); }
.apply { background: var(--steel); color: #fff; max-width: none; text-align: center; }
.apply p { color: #c5d0dc; }
footer { padding: 1.3rem 1.2rem 2rem; color: var(--muted); text-align: center; font-size: .9rem; }
.chat-toggle { position: fixed; right: 1rem; bottom: 1rem; z-index: 30; background: var(--steel); color: #fff; border: 0; border-radius: 999px; padding: .8rem 1.05rem; font-weight: 700; cursor: pointer; }
.chat-panel { position: fixed; right: 1rem; bottom: 4.2rem; width: min(400px, calc(100vw - 1.5rem)); height: min(500px, 68vh); background: #fff; border: 1px solid var(--line); border-radius: 12px; display: none; flex-direction: column; z-index: 31; }
.chat-panel.open { display: flex; }
.chat-panel header { display: flex; justify-content: space-between; padding: .7rem .9rem; background: var(--steel); color: #fff; border-radius: 12px 12px 0 0; }
.chat-panel header button { background: none; border: 0; color: #fff; font-size: 1.4rem; cursor: pointer; }
.msgs { flex: 1; overflow-y: auto; padding: .9rem; background: var(--paper); }
.msg { max-width: 92%; margin-bottom: .7rem; padding: .65rem .75rem; border-radius: 8px; }
.msg p { white-space: pre-wrap; }
.user { margin-left: auto; background: #d9e2ec; }
.bot { background: #fff; border: 1px solid var(--line); }
.composer { display: flex; gap: .4rem; padding: .65rem; border-top: 1px solid var(--line); }
#user-input { flex: 1; min-height: 42px; resize: none; border: 1px solid var(--line); border-radius: 8px; padding: .5rem; font: inherit; }
#send { background: var(--red); color: #fff; border: 0; border-radius: 8px; padding: 0 .85rem; font-weight: 700; cursor: pointer; }
.prompts { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1rem; }
.prompts button { background: var(--card); border: 1px solid var(--line); border-radius: 999px; padding: .45rem .85rem; cursor: pointer; font: inherit; }