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

        body {
            font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
            line-height: 1.6;
            color: #333;
            scroll-behavior: smooth;
            overflow-x: hidden;
        }

        header {
            background: linear-gradient(135deg, #000000 0%, #434343 100%);
            color: white;
            padding: 1.5rem 0;
            position: fixed;
            width: 100%;
            top: 0;
            z-index: 500 !important; 
            box-shadow: 0 2px 10px rgba(0,0,0,0.1);
        }

        nav {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 2rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .logo {
            font-size: 1.5rem;
            font-weight: bold;
        }

        .logo-container {
            display: flex;
            align-items: center;
            gap: 1rem;
        }

        .logo-link {
            display: flex;
            align-items: center;
            transition: opacity 0.3s ease, transform 0.3s ease;
        }

        .logo-link:hover {
            opacity: 0.8;
            transform: translateY(-2px);
        }

        .nav-logo {
            height: 40px;
            width: auto;
            max-width: 150px;
            object-fit: contain;
        }

        .logo-separator {
            color: white;
            font-size: 1.5rem;
            font-weight: 300;
            opacity: 0.7;
        }

        .two-column-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
            align-items: stretch;
        }
        
        @media (max-width: 768px) {
            .logo-container {
                gap: 0.5rem;
            }
            
            .nav-logo {
                height: 30px;
                max-width: 100px;
            }
            
            .logo-separator {
                font-size: 1.2rem;
            }

            .two-column-grid{
                grid-template-columns: 1fr;
            }
        }

        .nav-links {
            display: flex;
            list-style: none;
            gap: 2rem;
        }

        .nav-links a {
            color: white;
            text-decoration: none;
            font-weight: 500;
            transition: opacity 0.3s;
            font-size: 0.9rem;
        }

        .nav-links a:hover {
            opacity: 0.7;
        }

        .hero {
            position: relative;
            color: white;
            padding: 8rem 2rem 6rem;
            text-align: center;
            margin-top: 80px;
            min-height: 85vh;
            display: flex;
            flex-direction: column;
            justify-content: center;
            overflow: hidden;
        }

        .hero-video {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            object-fit: cover;
            z-index: 0;
            opacity: 0.85;
        }

        .hero-overlay {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: linear-gradient(135deg, rgba(0,0,0,0.7) 0%, rgba(67,67,67,0.7) 100%);
            z-index: 1;
        }

        .hero-content {
            position: relative;
            z-index: 2;
        }

        .hero-content h1 {
            font-size: 3.5rem;
            margin-bottom: 1rem;
            opacity: 0;
            animation: fadeInUp 1s forwards;
        }

        .hero-content h1:nth-of-type(2) {
            animation-delay: 0.3s;
        }

        .hero-content h1:nth-of-type(3) {
            animation-delay: 0.6s;
        }

        .hero-content .hero-info {
            max-width: 800px;
            margin: 0 auto 2rem;
            font-size: 1.1rem;
            opacity: 0;
            animation: fadeInUp 1s 0.9s forwards;
        }

        .hero-content .links {
            display: flex;
            gap: 1rem;
            justify-content: center;
            flex-wrap: wrap;
            opacity: 0;
            animation: fadeInUp 1s 1.2s forwards;
        }

        .hero-content .scroll-indicator {
            margin-top: 3rem;
            opacity: 0;
            animation: fadeIn 1s 1.5s forwards, bounce 2s 1.5s infinite;
        }

        .links {
            display: flex;
            gap: 1rem;
            justify-content: center;
            flex-wrap: wrap;
            opacity: 0;
            animation: fadeInUp 1s 0.9s forwards;
        }

        .links a {
            background: rgba(255,255,255,0.2);
            color: white;
            padding: 0.75rem 1.5rem;
            text-decoration: none;
            border-radius: 5px;
            transition: all 0.3s;
            border: 1px solid rgba(255,255,255,0.3);
        }

        .links a:hover {
            background: rgba(255,255,255,0.3);
            transform: translateY(-2px);
        }

        .scroll-indicator {
            margin-top: 3rem;
            animation: bounce 2s infinite;
            opacity: 0;
            animation: fadeIn 1s 1.2s forwards, bounce 2s 1.2s infinite;
        }

        .scroll-indicator::after {
            content: "↓ Scroll to explore ↓";
            display: block;
            font-size: 0.9rem;
            opacity: 0.8;
        }

        @keyframes fadeInUp {
            from {
                opacity: 0;
                transform: translateY(30px);
            }
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        @keyframes fadeIn {
            from { opacity: 0; }
            to { opacity: 1; }
        }

        @keyframes bounce {
            0%, 20%, 50%, 80%, 100% { transform: translateY(0); }
            40% { transform: translateY(-10px); }
            60% { transform: translateY(-5px); }
        }

        .toc {
            background: #f8f9fa;
            padding: 2rem;
            text-align: center;
            border-bottom: 2px solid #e9ecef;
        }

        .toc h3 {
            margin-bottom: 1rem;
            color: #000;
        }

        .toc ul {
            list-style: none;
            display: flex;
            justify-content: center;
            flex-wrap: wrap;
            gap: 2rem;
        }

        .toc a {
            color: #333;
            text-decoration: none;
            font-weight: 500;
            transition: color 0.3s;
        }

        .toc a:hover {
            color: #000;
        }

        .scroll-section {
            display: flex;
            align-items: center;
            justify-content: center;
            padding: 4rem 2rem;
            position: relative;
        }

        .scroll-content {
            max-width: 800px;
            opacity: 0;
            transform: translateY(50px);
            transition: opacity 0.8s ease, transform 0.8s ease;
        }

        /* Target only the Methods section's scroll-content */
        #methods .scroll-content {
            max-width: 1400px;
        }

        .scroll-content.visible {
            opacity: 1;
            transform: translateY(0);
        }

        .scroll-section h2 {
            font-size: 3rem;
            margin-bottom: 2rem;
            color: #000;
            text-align: center;
        }

        .scroll-section h3 {
            font-size: 2rem;
            margin-bottom: 1.5rem;
            color: #333;
            text-align: center;
        }

        .scroll-section p {
            font-size: 1.3rem;
            line-height: 1.8;
            margin-bottom: 2rem;
            text-align: center;
        }

        .highlight-box {
            background: linear-gradient(135deg, #000000 0%, #434343 100%);
            color: white;
            padding: 2rem;
            border-radius: 10px;
            margin: 3rem 0;
            text-align: center;
            box-shadow: 0 10px 30px rgba(0,0,0,0.2);
            transform: scale(0.95);
            transition: transform 0.3s;
        }

        .highlight-box:hover {
            transform: scale(1);
        }

        .stat-box {
            background: white;
            padding: 2rem;
            border-radius: 10px;
            box-shadow: 0 5px 20px rgba(0,0,0,0.1);
            margin: 2rem 0;
            text-align: center;
            border: 2px solid #000;
        }

        .stat-number {
            font-size: 4rem;
            font-weight: bold;
            color: #000;
            margin-bottom: 0.5rem;
        }

        .stat-label {
            font-size: 1.2rem;
            color: #666;
        }

        .feature-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 2rem;
            margin: 3rem 0;
        }

        #categorizing .feature-grid {
            grid-template-columns: 1fr;
            gap: 2rem;
            max-width: 900px;
            margin: 0 auto;
        }

        #future-work .feature-grid{
            grid-template-columns: 1fr 1fr;
            gap: 2rem;
            max-width: 900px;
            margin: 0 auto;
            align-items: start;
        }

        #future-work .feature-grid .feature-card:last-child {
            grid-column: 1 / -1;
            max-width: calc(50% - 1rem);
            margin: 0 auto;
        }

        @media (max-width: 768px) {
            #future-work .feature-grid {
                grid-template-columns: 1fr;
            }

            #future-work .feature-grid .feature-card:last-child {
                grid-column: 1;
                max-width: 100%;
                margin: 0;
            }
        }

        .feature-card {
            background: white;
            padding: 2rem;
            border-radius: 10px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            text-align: center;
            transition: all 0.3s;
            border: 1px solid #e0e0e0;
            opacity: 0;
            transform: translateY(30px);
            cursor: pointer;
            position: relative;
        }

        .feature-card.visible {
            opacity: 1;
            transform: translateY(0);
        }

        .feature-card:hover {
            transform: translateY(-10px);
            box-shadow: 0 10px 30px rgba(0,0,0,0.15);
        }

        /* FEATURE CARDS WITH CLICK HERE */
        .feature-card[onclick] {
            cursor: pointer;
            position: relative;
        }

        .feature-card[onclick]::after {
            content: "CLICK TO VIEW FIGURES";
            position: absolute;
            bottom: 1rem;
            right: 1rem;
            background: #000;
            color: white;
            padding: 0.4rem 0.8rem;
            border-radius: 20px;
            font-size: 0.75rem;
            font-weight: 600;
            opacity: 0.8;
        }

        .feature-card[onclick]:hover::after {
            opacity: 1;
            transform: scale(1.05);
        }

        .feature-icon {
            font-size: 3rem;
            margin-bottom: 1rem;
        }

        .feature-card h4 {
            color: #000;
            margin-bottom: 1rem;
            font-size: 1.2rem;
        }

        .feature-card p {
            font-size: 1rem;
            color: #666;
            text-align: center;
        }

        .visual-demo {
            background: #f8f9fa;
            padding: 3rem;
            border-radius: 10px;
            margin: 3rem 0;
            text-align: center;
            max-width: 1300px;
        }

        .transaction-flow {
            display: flex;
            justify-content: center;
            align-items: center;
            margin: 2rem auto;
            flex-wrap: nowrap;
            gap: 2rem;
            max-width: 115  0px;
        }

        .flow-item {
            background: white;
            padding: 1.5rem;
            border-radius: 8px;
            box-shadow: 0 3px 10px rgba(0,0,0,0.1);
            min-width: 280px;
            max-width: 280px;
            flex: 1;
            opacity: 0;
            animation: slideIn 0.6s forwards;
            cursor: pointer;
            transition: all 0.3s ease;
            position: relative;
        }

        .flow-item::after {
            content: "EXPLORE MORE";
            position: absolute;
            bottom: 0.5rem;
            right: 0.5rem;
            background: #000;
            color: white;
            padding: 0.3rem 0.6rem;
            border-radius: 15px;
            font-size: 0.7rem;
            font-weight: 600;
            opacity: 0.8;
        }

        .flow-item:hover {
            transform: translateY(-5px);
            box-shadow: 0 5px 20px rgba(0,0,0,0.2);
        }

        .flow-item:hover::after {
            opacity: 1;
            transform: scale(1.05);
        }

        .flow-item:nth-child(1) { animation-delay: 0.2s; }
        .flow-item:nth-child(3) { animation-delay: 0.4s; }
        .flow-item:nth-child(5) { animation-delay: 0.6s; }

        .flow-arrow {
            font-size: 2rem;
            color: #000;
        }

        @keyframes slideIn {
            from {
                opacity: 0;
                transform: translateX(-20px);
            }
            to {
                opacity: 1;
                transform: translateX(0);
            }
        }

        /* Modal Styles */
        .modal {
            display: none;
            position: fixed;
            z-index: 1000 !important;
            left: 0;
            top: 0;
            width: 100%;
            height: 100%;
            background-color: rgba(0, 0, 0, 0.8);
            animation: fadeIn 0.3s ease;
        }

        .modal.active {
            display: flex;
            justify-content: center;
            align-items: center;
        }

        .modal-content {
            background: white;
            padding: 3rem;
            border-radius: 15px;
            max-width: 900px;
            width: 90%;
            max-height: 85vh;
            overflow-y: auto;
            position: relative;
            animation: slideUp 0.3s ease;
            z-index: 1001 !important;
        }

        @keyframes slideUp {
            from {
                opacity: 0;
                transform: translateY(50px);
            }
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        .modal-close {
            position: absolute;
            top: 1rem;
            right: 1.5rem;
            font-size: 2rem;
            color: #666;
            cursor: pointer;
            background: none;
            border: none;
            transition: color 0.3s;
        }

        .modal-close:hover {
            color: #000;
        }

        .modal-content h3 {
            color: #000;
            margin-bottom: 1.5rem;
            font-size: 2rem;
        }

        .modal-content p {
            color: #666;
            margin-bottom: 2rem;
            font-size: 1.1rem;
        }

        .modal-flow {
            display: flex;
            flex-direction: column;
            gap: 1.5rem;
            margin-top: 2rem;
        }

        .modal-flow-step {
            display: flex;
            align-items: center;
            gap: 1.5rem;
            padding: 1.5rem;
            background: #f8f9fa;
            border-radius: 10px;
            border-left: 4px solid #000;
        }

        .modal-flow-icon {
            font-size: 2.5rem;
            flex-shrink: 0;
        }

        .modal-flow-content {
            flex: 1;
        }

        .modal-flow-content h4 {
            color: #000;
            margin-bottom: 0.5rem;
            font-size: 1.3rem;
        }

        .modal-flow-content p {
            color: #666;
            margin: 0;
            font-size: 1rem;
        }

        .contact-section {
            background: linear-gradient(135deg, #000000 0%, #434343 100%);
            color: white;
            min-height: 100vh;
            display: flex;
            align-items: center;
            justify-content: center;
            padding: 4rem 2rem;
        }

        .contact-content {
            max-width: 600px;
            width: 100%;
        }

        .contact-section h2 {
            color: white;
            text-align: center;
            margin-bottom: 2rem;
        }

        .form-group {
            margin-bottom: 1.5rem;
        }

        .form-group label {
            display: block;
            margin-bottom: 0.5rem;
            font-weight: 500;
        }

        .form-group input,
        .form-group textarea {
            width: 100%;
            padding: 0.75rem;
            border: 1px solid rgba(255,255,255,0.3);
            border-radius: 5px;
            font-size: 1rem;
            background: rgba(255,255,255,0.1);
            color: white;
        }

        .form-group input::placeholder,
        .form-group textarea::placeholder {
            color: rgba(255,255,255,0.6);
        }

        .form-group textarea {
            min-height: 150px;
            resize: vertical;
        }

        .submit-btn {
            background: white;
            color: #000;
            padding: 1rem 2rem;
            border: none;
            border-radius: 5px;
            font-size: 1rem;
            cursor: pointer;
            transition: all 0.3s;
            font-weight: 600;
            width: 100%;
        }

        .submit-btn:hover {
            transform: translateY(-2px);
            box-shadow: 0 5px 15px rgba(255,255,255,0.3);
        }

        footer {
            background: #000;
            color: white;
            padding: 2rem;
            text-align: center;
        }

        .progress-bar {
            position: fixed;
            top: 5.25rem;
            left: 0;
            height: 4px;
            background: teal;
            width: 0%;
            z-index: 100 !important;
            transition: width 0.1s;
        }

        @media (max-width: 768px) {
            .nav-links {
                display: none;
            }

            .hero h1 {
                font-size: 2rem;
            }

            .hero h2 {
                font-size: 1.2rem;
            }

            .scroll-section h2 {
                font-size: 2rem;
            }

            .scroll-section p {
                font-size: 1.1rem;
            }

            .transaction-flow {
                flex-direction: column;
                gap: 1.5rem;
            }

            .flow-arrow {
                transform: rotate(90deg);
            }
        }

        table {
            width: 100%;
            margin: 2rem 0;
            border-collapse: collapse;
        }

        table th, table td {
            padding: 1rem;
            text-align: left;
        }

        table th {
            background: #f8f9fa;
            font-weight: 600;
        }

        table tr:hover {
            background: #f8f9fa;
        }

        .accordion-card {
            cursor: default;
        }

        .accordion-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 1.5rem;
            cursor: pointer;
            transition: background 0.3s;
            user-select: none;
        }

        .accordion-header:hover {
            background: rgba(0, 0, 0, 0.02);
        }

        .accordion-header h4 {
            margin: 0;
            color: #000;
            text-align: left;
        }

        .accordion-icon {
            font-size: 2rem;
            font-weight: 300;
            transition: transform 0.3s;
            color: #666;
            flex-shrink: 0;
            margin-left: 1rem;
        }

        .accordion-card.active .accordion-icon {
            transform: rotate(45deg);
        }

        .accordion-content {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.4s ease, padding 0.4s ease;
            padding: 0 1.5rem;
        }

        .accordion-card.active .accordion-content {
            max-height: 3000px;
            padding: 0 1.5rem 1.5rem 1.5rem;
        }

        .accordion-content p {
            margin-bottom: 1rem;
        }

  /* FOR THE CHATBOX */
  #chat-button {
    position: fixed;
    bottom: 20px;
    right: 40px;
    width: 70px;
    height: 70px;
    background-color: black;
    color: white;
    border: none;
    border-radius: 50%;
    font-size: 32px;
    cursor: pointer;
    z-index: 1001;
    box-shadow: 0 4px 8px teal;
  }

  #chatbox {
    position: fixed;
    bottom: 100px;
    right: 20px;
    width: 450px;
    height: 700px;
    display: none;
    border: none;
    z-index: 1001;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.3);
    border-radius: 12px;
    overflow: hidden;
  }

  #chatbox.show{
    display:block;
  }

  table, th, td{
    border: 1px solid black;
  }

  /* stats bar */
  .stats-bar {
    display: flex;
    flex-direction: row;
    justify-content: center;
    align-items: center;
    padding: 1.5rem 1rem;
    background: #f8f9fa;
    flex-wrap: wrap;
    gap: 0;
  }
  
  .stat-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 0 1rem;
  }
  
  .stats-bar .stat-number {
    font-size: 1.8rem;
    font-weight: 800;
    color: #000;
    line-height: 1;
    margin-bottom: 0.5rem;
  }
  
  .stats-bar .stat-label {
    font-size: 0.75rem;
    color: #666;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    text-align: center;
    max-width: 120px;
  }
  
  .stat-divider {
    width: 1px;
    height: 50px;
    background: #dee2e6;
    flex-shrink: 0;
  }
  
  @media (max-width: 768px) {
    .stats-bar {
        padding: 1.5rem 1rem;
        gap: 1rem;
    }
    .stat-divider {
      display: none;
    }
    .stat-item {
      min-width: 40%;
      padding: 0 0.5rem;
    }
  }

  /* tooltip hovering */
  .tooltip-wrap {
    position: relative;
    display: inline-block;
    cursor: help;
    border-bottom: 1px dashed #666;
}

.tooltip-wrap .tooltip-text {
    visibility: hidden;
    opacity: 0;
    background: #222;
    color: white;
    font-size: 0.8rem;
    font-weight: 400;
    text-align: left;
    padding: 0.6rem 0.9rem;
    border-radius: 6px;
    width: 220px;
    position: absolute;
    top: 130%;
    left: 50%;
    transform: translateX(-50%);
    z-index: 999;
    transition: opacity 0.2s ease;
    line-height: 1.5;
}

.tooltip-wrap .tooltip-text::before {
    content: "";
    position: absolute;
    bottom: 100%;
    left: 50%;
    transform: translateX(-50%);
    border: 6px solid transparent;
    border-bottom-color: #222;
}

.tooltip-wrap:hover .tooltip-text {
    visibility: visible;
    opacity: 1;
}

/* table: showing hyperlinks of tools */
table a {
    color: #333;
    text-decoration: underline;
    text-decoration-style: dotted;
}

table a:hover {
    color: #000;
    text-decoration-style: solid;
}

/* =============================================
   KEY FINDINGS - Table improvements
   ============================================= */

/* Highlight best model row */
table tbody tr.best-row {
    background-color: #f0fdf4;
    border-left: 4px solid teal;
}

table tbody tr.best-row td {
    font-weight: 600;
}

/* Best model badge - add next to model name in .best-row */
.best-badge {
    display: inline-block;
    background: teal;
    color: white;
    font-size: 0.7rem;
    font-weight: 700;
    padding: 0.15rem 0.5rem;
    border-radius: 20px;
    margin-left: 0.5rem;
    vertical-align: middle;
    letter-spacing: 0.05em;
}

/* Overfit warning badge for Random Forest AUC = 1.000 */
.overfit-badge {
    display: inline-block;
    background: #fef3c7;
    color: #92400e;
    border: 1px solid #fbbf24;
    font-size: 0.7rem;
    font-weight: 600;
    padding: 0.15rem 0.5rem;
    border-radius: 20px;
    margin-left: 0.4rem;
    vertical-align: middle;
}

/* FinBERT footnote callout */
.footnote-callout {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    background: #fff3cd;
    border: 1px solid #ffc107;
    border-left: 4px solid #ffc107;
    border-radius: 6px;
    padding: 0.75rem 1rem;
    margin-top: 0.75rem;
    font-size: 0.9rem;
    color: black;
    line-height: 1.5;
}

.footnote-callout .footnote-icon {
    font-size: 1rem;
    flex-shrink: 0;
    margin-top: 0.1rem;
}

/* Divider between the two Key Findings tables */
.findings-divider {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 3rem 0 2rem;
    color: #999;
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.findings-divider::before,
.findings-divider::after {
    content: '';
    flex: 1;
    height: 1px;
    background: #e5e7eb;
}

/* =============================================
   METHODS - Pipeline step labels
   ============================================= */

/* Step label pill above each flow item */
.flow-item .step-label {
    display: inline-block;
    background: #000;
    color: white;
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 0.2rem 0.6rem;
    border-radius: 20px;
    margin-bottom: 0.75rem;
}

/* =============================================
   METHODS - Cash Score section distinction
   ============================================= */

/* Wrap the Cash Score Risk Model section in this class */
.cash-score-section {
    background: #e6f7f7;
    border-top: 3px solid #000;
    border-bottom: 3px solid #000;
}

/* Section label tag for Cash Score heading */
.section-tag {
    display: inline-block;
    background: #000;
    color: white;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    padding: 0.25rem 0.75rem;
    border-radius: 4px;
    margin-bottom: 1rem;
}