/* ==========================================================================
   Meridian Bank — design system
   A calm, premium retail-banking look: deep navy ink, cream paper, one blue
   brand colour, one mint accent, serif display type over a system sans.
   ========================================================================== */

/* --- 1. Tokens ----------------------------------------------------------- */
:root {
  /* Ink scale (text + dark surfaces) */
  --ink-900: #061527;
  --ink-800: #0B2340;
  --ink-700: #14355E;
  --ink-600: #1E4776;
  --ink-500: #3C5F87;
  --ink-400: #52698A;
  --ink-300: #8DA4BE;

  /* Surfaces */
  --paper: #FFFFFF;
  --cream: #F5F8FC;
  --cream-2: #EBF1F8;
  --cream-3: #DDE7F2;

  /* Lines */
  --line: #DCE5EF;
  --line-soft: #E9EFF6;
  --line-strong: #C3D2E2;

  /* Brand */
  --brand-700: #0A3F86;
  --brand-600: #0B4FA8;
  --brand-500: #1163CF;
  --brand-400: #3D8BEA;
  --brand-100: #E3EEFC;
  --brand-050: #F1F7FE;

  /* Accents */
  --mint-700: #00694A;
  --mint-600: #007A54;
  --mint-500: #00A574;
  --mint-100: #D9F5EA;
  --gold-600: #7E5C15;
  --gold-500: #B8862B;
  --gold-100: #FBF0D8;
  --danger-600: #B32B20;
  --danger-500: #D0413A;
  --danger-100: #FCE9E7;

  /* Type */
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-serif: ui-serif, "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --font-mono: ui-monospace, SFMono-Regular, "SF Mono", Menlo, Consolas, monospace;

  /* Shape + depth */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 26px;
  --r-pill: 999px;

  --shadow-1: 0 1px 2px rgba(6, 21, 39, .06), 0 1px 3px rgba(6, 21, 39, .04);
  --shadow-2: 0 4px 10px rgba(6, 21, 39, .06), 0 12px 28px rgba(6, 21, 39, .07);
  --shadow-3: 0 18px 50px rgba(6, 21, 39, .16), 0 4px 12px rgba(6, 21, 39, .08);
  --shadow-focus: 0 0 0 3px rgba(17, 99, 207, .28);

  /* Rhythm */
  --wrap: 1180px;
  --gutter: 24px;
  --sec-y: clamp(56px, 7vw, 104px);
}

/* --- 2. Reset ------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: 108px;
  color-scheme: light;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.62;
  color: var(--ink-700);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--ink-900);
  font-weight: 600;
  line-height: 1.14;
  letter-spacing: -.015em;
  margin: 0 0 .5em;
  text-wrap: balance;
}

h1 { font-size: clamp(2.35rem, 5.2vw, 3.9rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
h3 { font-size: clamp(1.18rem, 1.8vw, 1.45rem); line-height: 1.28; }
h4 { font-family: var(--font-sans); font-size: 1.02rem; font-weight: 650; letter-spacing: -.005em; line-height: 1.4; }

p { margin: 0 0 1.05em; }
p:last-child { margin-bottom: 0; }

a { color: var(--brand-600); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--brand-700); }

/* The `hidden` attribute must win over author `display` rules (.btn, .callout,
   .drawer …), otherwise hidden panels silently render. */
[hidden] { display: none !important; }

img, svg { max-width: 100%; }
svg { display: block; }

ul, ol { margin: 0 0 1.05em; padding-left: 1.15em; }
li { margin-bottom: .4em; }
li:last-child { margin-bottom: 0; }

strong, b { font-weight: 650; color: var(--ink-800); }
small { font-size: .84rem; }

hr { border: 0; border-top: 1px solid var(--line); margin: 2.4rem 0; }

:focus-visible {
  outline: 2px solid var(--brand-500);
  outline-offset: 2px;
  border-radius: 4px;
}

::selection { background: var(--brand-100); }

/* Skip link */
.skip {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  background: var(--ink-900); color: #fff; padding: 10px 16px;
  border-radius: var(--r-md); font-weight: 600; text-decoration: none;
  transition: top .18s ease;
}
.skip:focus { top: 12px; color: #fff; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* --- 3. Layout ----------------------------------------------------------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.wrap--narrow { max-width: 780px; }
.wrap--wide { max-width: 1320px; }

.sec { padding-block: var(--sec-y); }
.sec--tight { padding-block: clamp(38px, 4.5vw, 62px); }
.sec--cream { background: var(--cream); }
.sec--cream2 { background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%); }
.sec--ink { background: var(--ink-900); color: #C9D8E8; }
.sec--ink h1, .sec--ink h2, .sec--ink h3, .sec--ink h4 { color: #fff; }
.sec--ink a:not(.btn) { color: #8FC0FF; }
.sec--hairline { border-top: 1px solid var(--line); }

.grid { display: grid; gap: 22px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.grid--split { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); align-items: center; gap: clamp(28px, 5vw, 64px); }
.grid--sidebar { grid-template-columns: minmax(0, 1fr) 340px; align-items: start; gap: 40px; }

.stack > * + * { margin-top: 1rem; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }
.mb-2 { margin-bottom: 2rem; }
.nowrap { white-space: nowrap; }

/* --- 4. Typographic helpers --------------------------------------------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-sans);
  font-size: .74rem; font-weight: 700; letter-spacing: .13em;
  text-transform: uppercase; color: var(--brand-600);
  margin: 0 0 14px;
}
.eyebrow::before {
  content: ""; width: 18px; height: 2px; border-radius: 2px;
  background: currentColor; opacity: .7;
}
.eyebrow--mint { color: var(--mint-600); }
.eyebrow--gold { color: var(--gold-600); }
.sec--ink .eyebrow { color: #7FB2F2; }

.lead { font-size: clamp(1.06rem, 1.5vw, 1.2rem); color: var(--ink-500); max-width: 62ch; }
.sec--ink .lead { color: #A9C0D6; }
.muted { color: var(--ink-400); }
.tiny { font-size: .8rem; color: var(--ink-400); }
.num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.sec-head { max-width: 720px; margin-bottom: clamp(28px, 4vw, 46px); }
.sec-head--center { margin-inline: auto; text-align: center; }
.sec-head--center .lead { margin-inline: auto; }

/* --- 5. Buttons ---------------------------------------------------------- */
.btn {
  --btn-bg: var(--brand-600);
  --btn-fg: #fff;
  --btn-bd: transparent;
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-sans); font-size: .95rem; font-weight: 620;
  line-height: 1; letter-spacing: -.005em;
  padding: 14px 22px; border-radius: var(--r-pill);
  border: 1px solid var(--btn-bd); background: var(--btn-bg); color: var(--btn-fg);
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .12s ease, box-shadow .18s ease, background-color .18s ease, border-color .18s ease, color .18s ease;
  -webkit-tap-highlight-color: transparent;
}
.btn:hover { background: var(--brand-700); color: #fff; box-shadow: var(--shadow-2); transform: translateY(-1px); }
.btn:active { transform: translateY(0); box-shadow: var(--shadow-1); }
.btn svg { width: 17px; height: 17px; flex: none; }

.btn--sm { padding: 10px 16px; font-size: .88rem; }
.btn--lg { padding: 17px 30px; font-size: 1.02rem; }
.btn--block { width: 100%; }

.btn--ghost { --btn-bg: transparent; --btn-fg: var(--ink-800); --btn-bd: var(--line-strong); }
.btn--ghost:hover { background: var(--paper); border-color: var(--ink-400); color: var(--ink-900); box-shadow: var(--shadow-1); }

.btn--light { --btn-bg: #fff; --btn-fg: var(--ink-900); }
.btn--light:hover { background: #EDF3FB; color: var(--ink-900); }

.btn--mint { --btn-bg: var(--mint-600); }
.btn--mint:hover { background: var(--mint-700); }

.btn--quiet { --btn-bg: transparent; --btn-fg: var(--brand-600); --btn-bd: transparent; padding-inline: 6px; }
.btn--quiet:hover { background: transparent; color: var(--brand-700); box-shadow: none; transform: none; text-decoration: underline; }

.btn[disabled], .btn[aria-disabled="true"] { opacity: .5; pointer-events: none; }

.link-arrow { display: inline-flex; align-items: center; gap: 7px; font-weight: 620; text-decoration: none; }
.link-arrow svg { width: 15px; height: 15px; transition: transform .18s ease; }
.link-arrow:hover svg { transform: translateX(3px); }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* --- 6. Cards ------------------------------------------------------------ */
.card {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: 26px; box-shadow: var(--shadow-1);
  position: relative;
}
.card--flush { padding: 0; overflow: hidden; }
.card--lift { transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.card--lift:hover { transform: translateY(-3px); box-shadow: var(--shadow-2); border-color: var(--line-strong); }
.card--ink { background: var(--ink-800); border-color: transparent; color: #C9D8E8; }
.card--ink h3, .card--ink h4 { color: #fff; }
.card.card--ink p { color: #B4C8DC; }
.card.card--ink .card__kicker { color: #8FA9C4; }
.card--mint { background: var(--mint-100); border-color: #B6E6D5; }
.card--brand { background: var(--brand-050); border-color: #CFE1F8; }
.card--flat { box-shadow: none; }
.card--pad-lg { padding: clamp(26px, 3.4vw, 42px); }

.card__icon {
  width: 46px; height: 46px; border-radius: 13px;
  display: grid; place-items: center; margin-bottom: 18px;
  background: var(--brand-100); color: var(--brand-600);
}
.card__icon svg { width: 23px; height: 23px; }
.card__icon--mint { background: var(--mint-100); color: var(--mint-600); }
.card__icon--gold { background: var(--gold-100); color: var(--gold-600); }
.card__icon--ink { background: var(--ink-800); color: #fff; }
.card__icon--danger { background: var(--danger-100); color: var(--danger-600); }

.card__kicker { font-size: .74rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-400); margin: 0 0 8px; }
.card h3 { margin-bottom: .35em; }
.card p { color: var(--ink-500); font-size: .96rem; }
.card__foot { margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line-soft); display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }

/* Rate / feature rows inside cards */
.facts { list-style: none; margin: 0; padding: 0; }
.facts li {
  display: flex; gap: 11px; align-items: flex-start;
  padding: 9px 0; border-bottom: 1px dashed var(--line-soft);
  font-size: .95rem; color: var(--ink-600);
}
.facts li:last-child { border-bottom: 0; padding-bottom: 0; }
.facts svg { width: 17px; height: 17px; flex: none; margin-top: 4px; color: var(--mint-600); }
.facts--x svg { color: var(--ink-300); }
.card--ink .facts li { color: #B4C8DC; border-bottom-color: rgba(255, 255, 255, .1); }
.card--ink .facts svg { color: #6FE3B8; }

/* Pills + badges */
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 11px; border-radius: var(--r-pill);
  font-size: .76rem; font-weight: 700; letter-spacing: .03em;
  background: var(--cream-2); color: var(--ink-600);
}
.pill--brand { background: var(--brand-100); color: var(--brand-700); }
.pill--mint { background: var(--mint-100); color: var(--mint-700); }
.pill--gold { background: var(--gold-100); color: var(--gold-600); }
.pill--danger { background: var(--danger-100); color: var(--danger-600); }
.pill--ink { background: var(--ink-800); color: #fff; }
.pill--outline { background: transparent; border: 1px solid var(--line-strong); color: var(--ink-500); }

.badge-row { display: flex; flex-wrap: wrap; gap: 8px; }

/* Big rate display */
.rate-big { display: flex; align-items: baseline; gap: 8px; margin: 4px 0 14px; }
.rate-big b {
  font-family: var(--font-serif); font-size: clamp(2.5rem, 4vw, 3.2rem);
  font-weight: 600; color: var(--ink-900); letter-spacing: -.03em; line-height: 1;
}
.rate-big span { font-size: .92rem; font-weight: 650; color: var(--ink-400); }

/* --- 7. Header ----------------------------------------------------------- */
.util {
  background: var(--ink-900); color: #A7BFD6;
  font-size: .8rem; letter-spacing: .01em;
}
.util__in { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 38px; flex-wrap: wrap; }
.util a { color: #C6D9EC; text-decoration: none; }
.util a:hover { color: #fff; text-decoration: underline; }
.util__group { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.util__dot { width: 6px; height: 6px; border-radius: 50%; background: #4ED9A4; box-shadow: 0 0 0 3px rgba(78, 217, 164, .18); }

.hdr {
  position: sticky; top: 0; z-index: 90;
  background: rgba(255, 255, 255, .88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .2s ease, background-color .2s ease;
}
.hdr.is-stuck { box-shadow: var(--shadow-2); background: rgba(255, 255, 255, .96); }
.hdr__in { display: flex; align-items: center; gap: 20px; min-height: 74px; }

.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; flex: none; }
.brand__mark {
  width: 38px; height: 38px; border-radius: 11px; flex: none;
  background: linear-gradient(150deg, var(--brand-500), var(--ink-800));
  display: grid; place-items: center; color: #fff;
  box-shadow: 0 4px 12px rgba(11, 79, 168, .28);
}
.brand__mark svg { width: 22px; height: 22px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__text b { font-family: var(--font-serif); font-size: 1.22rem; font-weight: 600; color: var(--ink-900); letter-spacing: -.02em; }
.brand__text i { font-style: normal; font-size: .6rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; color: var(--ink-400); }

.nav { display: flex; align-items: center; gap: 2px; margin-left: 6px; flex: 1; }
.nav__item { position: relative; }
.nav__link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 13px; border-radius: var(--r-sm);
  font-size: .93rem; font-weight: 560; color: var(--ink-700);
  text-decoration: none; background: none; border: 0; cursor: pointer;
  font-family: inherit; white-space: nowrap;
  transition: background-color .15s ease, color .15s ease;
}
.nav__link:hover, .nav__link[aria-expanded="true"] { background: var(--cream-2); color: var(--ink-900); }
.nav__link[aria-current="page"] { color: var(--brand-600); font-weight: 680; }
.nav__link[aria-current="page"]::after {
  content: ""; position: absolute; left: 13px; right: 13px; bottom: 3px;
  height: 2px; border-radius: 2px; background: var(--brand-500);
}
.nav__chev { width: 12px; height: 12px; opacity: .6; transition: transform .18s ease; }
.nav__link[aria-expanded="true"] .nav__chev { transform: rotate(180deg); }

.menu {
  position: absolute; top: calc(100% + 10px); left: -8px; z-index: 95;
  min-width: 268px; padding: 10px;
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--shadow-3);
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
}
.menu.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
.menu__link { display: flex; gap: 12px; padding: 10px 12px; border-radius: var(--r-md); text-decoration: none; transition: background-color .14s ease; }
.menu__link:hover { background: var(--cream); }
.menu__link svg { width: 18px; height: 18px; color: var(--brand-500); flex: none; margin-top: 3px; }
.menu__link b { display: block; font-size: .93rem; font-weight: 620; color: var(--ink-800); }
.menu__link span { display: block; font-size: .8rem; color: var(--ink-400); line-height: 1.4; }
.menu__sep { height: 1px; background: var(--line-soft); margin: 8px 4px; }

.hdr__cta { display: flex; align-items: center; gap: 10px; flex: none; }

.burger {
  display: none; width: 44px; height: 44px; border-radius: var(--r-md);
  border: 1px solid var(--line-strong); background: var(--paper); color: var(--ink-800);
  place-items: center; cursor: pointer; flex: none;
}
.burger svg { width: 20px; height: 20px; }

/* Mobile drawer */
.drawer {
  position: fixed; inset: 0; z-index: 120; display: none;
}
.drawer.is-open { display: block; }
.drawer__scrim { position: absolute; inset: 0; background: rgba(6, 21, 39, .5); backdrop-filter: blur(2px); animation: fade .2s ease; }
.drawer__panel {
  position: absolute; inset: 0 0 0 auto; width: min(400px, 88vw);
  background: var(--paper); box-shadow: var(--shadow-3);
  display: flex; flex-direction: column; animation: slideIn .24s cubic-bezier(.32, .72, 0, 1);
  overflow-y: auto; overscroll-behavior: contain;
}
@keyframes fade { from { opacity: 0 } }
@keyframes slideIn { from { transform: translateX(100%) } }

.drawer__top { display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; border-bottom: 1px solid var(--line); position: sticky; top: 0; background: var(--paper); }
.drawer__close { width: 40px; height: 40px; border-radius: var(--r-md); border: 1px solid var(--line); background: var(--paper); color: var(--ink-700); display: grid; place-items: center; cursor: pointer; }
.drawer__close svg { width: 18px; height: 18px; }
.drawer__body { padding: 12px 12px 28px; }
.dgroup { border-bottom: 1px solid var(--line-soft); }
.dgroup > summary {
  list-style: none; cursor: pointer; padding: 15px 12px;
  font-size: 1.02rem; font-weight: 620; color: var(--ink-900);
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
}
.dgroup > summary::-webkit-details-marker { display: none; }
.dgroup > summary::after {
  content: ""; width: 9px; height: 9px; flex: none;
  border-right: 2px solid var(--ink-400); border-bottom: 2px solid var(--ink-400);
  transform: rotate(45deg); transition: transform .2s ease; margin-right: 4px;
}
.dgroup[open] > summary::after { transform: rotate(-135deg); }
.dgroup__list { padding: 0 12px 12px; }
.dgroup__list a { display: block; padding: 10px 12px; border-radius: var(--r-sm); font-size: .95rem; color: var(--ink-600); text-decoration: none; }
.dgroup__list a:hover { background: var(--cream); color: var(--ink-900); }
.dlink { display: block; padding: 15px 12px; font-size: 1.02rem; font-weight: 620; color: var(--ink-900); text-decoration: none; border-bottom: 1px solid var(--line-soft); }
.drawer__cta { display: grid; gap: 10px; padding: 20px 16px 0; }

/* --- 8. Hero ------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden; color: #DCE8F5;
  background: radial-gradient(120% 120% at 82% 8%, #17467F 0%, #0B2340 42%, #061527 100%);
  padding-block: clamp(56px, 8vw, 104px) clamp(64px, 9vw, 112px);
}
.hero__glow { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.hero__glow i {
  position: absolute; display: block; border-radius: 50%; filter: blur(60px); opacity: .5;
  animation: drift 22s ease-in-out infinite alternate;
}
.hero__glow i:nth-child(1) { width: 460px; height: 460px; top: -160px; right: -60px; background: #1E63C8; }
.hero__glow i:nth-child(2) { width: 380px; height: 380px; bottom: -190px; left: -80px; background: #0C8F6B; animation-duration: 28s; opacity: .38; }
.hero__glow i:nth-child(3) { width: 300px; height: 300px; top: 40%; left: 46%; background: #2F7BE0; animation-duration: 34s; opacity: .22; }
@keyframes drift { from { transform: translate3d(0, 0, 0) scale(1) } to { transform: translate3d(38px, -28px, 0) scale(1.12) } }

.hero__in { position: relative; display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(0, .98fr); gap: clamp(32px, 5vw, 68px); align-items: center; }
.hero h1 { color: #fff; margin-bottom: .42em; }
.hero h1 em { font-style: normal; color: #7FB2F2; }
.hero .lead { color: #A9C0D6; }
.hero .eyebrow { color: #7FB2F2; }
.hero__cta { margin-top: 30px; }
.hero__note { display: flex; align-items: center; gap: 9px; margin-top: 22px; font-size: .85rem; color: #8FA9C4; }
.hero__note svg { width: 16px; height: 16px; color: #6FE3B8; flex: none; }
.hero__ticker { display: flex; gap: 34px; flex-wrap: wrap; margin-top: 38px; padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .12); }
.hero__ticker div b { display: block; font-family: var(--font-serif); font-size: 1.6rem; color: #fff; line-height: 1.2; }
.hero__ticker div span { font-size: .78rem; letter-spacing: .04em; color: #8FA9C4; text-transform: uppercase; font-weight: 600; }

/* Phone mock */
.mock { position: relative; display: flex; justify-content: center; }
.phone {
  width: min(310px, 82vw); border-radius: 38px; padding: 11px;
  background: linear-gradient(160deg, #2A4C74, #0A1A2F);
  box-shadow: 0 40px 80px -20px rgba(0, 0, 0, .6), 0 0 0 1px rgba(255, 255, 255, .1) inset;
}
.phone__screen { background: #F7FAFD; border-radius: 28px; overflow: hidden; color: var(--ink-800); }
.phone__bar { display: flex; align-items: center; justify-content: space-between; padding: 12px 18px 4px; font-size: .68rem; font-weight: 700; color: var(--ink-400); letter-spacing: .04em; }
.phone__body { padding: 8px 16px 18px; }
.phone__label { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-400); margin: 0; }
.phone__bal { font-family: var(--font-serif); font-size: 2.15rem; letter-spacing: -.03em; color: var(--ink-900); margin: 2px 0 2px; line-height: 1.1; }
.phone__delta { display: inline-flex; align-items: center; gap: 5px; font-size: .78rem; font-weight: 700; color: var(--mint-600); }
.phone__chart { margin: 14px 0 6px; }
.phone__row { display: flex; align-items: center; gap: 11px; padding: 11px 0; border-top: 1px solid #E4EBF3; }
.phone__row i { width: 32px; height: 32px; border-radius: 10px; display: grid; place-items: center; background: var(--brand-100); color: var(--brand-600); flex: none; }
.phone__row i svg { width: 16px; height: 16px; }
.phone__row b { font-size: .85rem; font-weight: 620; color: var(--ink-800); display: block; }
.phone__row span { font-size: .74rem; color: var(--ink-400); }
.phone__row em { margin-left: auto; font-style: normal; font-size: .85rem; font-weight: 700; }
.phone__row em.in { color: var(--mint-600); }

.float-card {
  position: absolute; background: #fff; border-radius: var(--r-lg); padding: 14px 17px;
  box-shadow: var(--shadow-3); color: var(--ink-800);
  display: flex; align-items: center; gap: 11px; font-size: .84rem;
}
.float-card i { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; flex: none; background: var(--mint-100); color: var(--mint-600); }
.float-card i svg { width: 17px; height: 17px; }
.float-card b { display: block; font-size: .86rem; }
.float-card span { font-size: .74rem; color: var(--ink-400); }
.float-card--a { top: 6%; left: -14px; animation: bob 6s ease-in-out infinite; }
.float-card--b { bottom: 8%; right: -18px; animation: bob 7.5s ease-in-out infinite .8s; }
@keyframes bob { 0%, 100% { transform: translateY(0) } 50% { transform: translateY(-10px) } }

/* --- 9. Stats ------------------------------------------------------------ */
.stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.stats > div { background: var(--paper); padding: 26px 22px; }
.stats b { display: block; font-family: var(--font-serif); font-size: clamp(1.9rem, 3vw, 2.5rem); color: var(--ink-900); line-height: 1.1; letter-spacing: -.03em; }
.stats span { display: block; font-size: .84rem; color: var(--ink-400); margin-top: 6px; }
.sec--ink .stats { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .1); }
.sec--ink .stats > div { background: transparent; }
.sec--ink .stats b { color: #fff; }
.sec--ink .stats span { color: #8FA9C4; }

/* --- 10. Tabs ------------------------------------------------------------ */
.tabs { display: inline-flex; gap: 4px; padding: 5px; background: var(--cream-2); border-radius: var(--r-pill); margin-bottom: 30px; flex-wrap: wrap; }
.tabs__btn {
  border: 0; background: none; font-family: inherit; font-size: .92rem; font-weight: 600;
  color: var(--ink-500); padding: 10px 20px; border-radius: var(--r-pill); cursor: pointer;
  transition: background-color .16s ease, color .16s ease, box-shadow .16s ease;
}
.tabs__btn:hover { color: var(--ink-900); }
.tabs__btn[aria-selected="true"] { background: var(--paper); color: var(--ink-900); box-shadow: var(--shadow-1); }
.tabpanel[hidden] { display: none; }
.tabpanel { animation: rise .28s ease; }
@keyframes rise { from { opacity: 0; transform: translateY(6px) } }

/* --- 11. Tables ---------------------------------------------------------- */
.tablewrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-lg); background: var(--paper); box-shadow: var(--shadow-1); }
table.tbl { width: 100%; border-collapse: collapse; font-size: .93rem; min-width: 620px; }
.tbl caption { text-align: left; padding: 18px 22px 0; font-size: .84rem; color: var(--ink-400); }
.tbl th, .tbl td { padding: 15px 22px; text-align: left; border-bottom: 1px solid var(--line-soft); vertical-align: middle; }
.tbl thead th {
  background: var(--cream); font-family: var(--font-sans); font-size: .74rem;
  font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: var(--ink-400);
  border-bottom: 1px solid var(--line); white-space: nowrap; position: sticky; top: 0;
}
.tbl tbody tr:last-child td { border-bottom: 0; }
.tbl tbody tr:hover { background: var(--brand-050); }
.tbl td strong { color: var(--ink-900); }
.tbl .rate { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-weight: 650; color: var(--ink-900); font-size: 1rem; }
.tbl .rate--hi { color: var(--mint-700); }
.tbl__sort { background: none; border: 0; font: inherit; color: inherit; cursor: pointer; display: inline-flex; align-items: center; gap: 5px; padding: 5px 0; text-transform: inherit; letter-spacing: inherit; }
.tbl__sort svg { width: 11px; height: 11px; opacity: .45; }
.tbl__sort[aria-sort="ascending"] svg, .tbl__sort[aria-sort="descending"] svg { opacity: 1; color: var(--brand-600); }

/* --- 12. Accordion ------------------------------------------------------- */
.acc { border-top: 1px solid var(--line); }
.acc__item { border-bottom: 1px solid var(--line); }
.acc__item > summary {
  list-style: none; cursor: pointer; padding: 21px 44px 21px 0; position: relative;
  font-size: 1.06rem; font-weight: 620; color: var(--ink-900);
}
.acc__item > summary::-webkit-details-marker { display: none; }
.acc__item > summary::after {
  content: ""; position: absolute; right: 12px; top: 50%; width: 10px; height: 10px;
  border-right: 2px solid var(--brand-500); border-bottom: 2px solid var(--brand-500);
  transform: translateY(-70%) rotate(45deg); transition: transform .22s ease;
}
.acc__item[open] > summary::after { transform: translateY(-30%) rotate(-135deg); }
.acc__item > summary:hover { color: var(--brand-600); }
.acc__body { padding: 0 40px 24px 0; color: var(--ink-500); font-size: .97rem; }
.acc__body > *:last-child { margin-bottom: 0; }

/* --- 13. Forms ----------------------------------------------------------- */
.field { margin-bottom: 18px; }
.field:last-child { margin-bottom: 0; }
.label { display: block; font-size: .85rem; font-weight: 620; color: var(--ink-800); margin-bottom: 7px; }
.label .req { color: var(--danger-500); margin-left: 2px; }
.input, .select, .textarea {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--ink-900);
  background: var(--paper); border: 1px solid var(--line-strong); border-radius: var(--r-md);
  padding: 13px 15px; transition: border-color .16s ease, box-shadow .16s ease;
  -webkit-appearance: none; appearance: none;
}
.input::placeholder { color: var(--ink-300); }
.input:hover, .select:hover, .textarea:hover { border-color: var(--ink-300); }
.input:focus, .select:focus, .textarea:focus {
  outline: 0; border-color: var(--brand-500); box-shadow: var(--shadow-focus);
}
.textarea { min-height: 132px; resize: vertical; line-height: 1.55; }
.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235E7C9E' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 13px center; background-size: 17px; padding-right: 42px;
}
.hint { font-size: .82rem; color: var(--ink-400); margin-top: 7px; }
.err { display: flex; gap: 7px; align-items: flex-start; font-size: .84rem; font-weight: 600; color: var(--danger-600); margin-top: 7px; }
.err svg { width: 15px; height: 15px; flex: none; margin-top: 3px; }
.err[hidden] { display: none; }
.input.is-bad, .select.is-bad, .textarea.is-bad { border-color: var(--danger-500); background: #FFFBFB; }
.input.is-bad:focus { box-shadow: 0 0 0 3px rgba(208, 65, 58, .22); }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 18px; }
.field-row--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }

.check { display: flex; gap: 11px; align-items: flex-start; font-size: .92rem; color: var(--ink-600); cursor: pointer; }
.check input { width: 19px; height: 19px; margin: 3px 0 0; accent-color: var(--brand-600); flex: none; cursor: pointer; }

.input-group { position: relative; }
.input-group .input { padding-right: 52px; }
.input-group__btn {
  position: absolute; right: 6px; top: 50%; transform: translateY(-50%);
  width: 38px; height: 38px; border: 0; border-radius: var(--r-sm); background: transparent;
  color: var(--ink-400); display: grid; place-items: center; cursor: pointer;
}
.input-group__btn:hover { background: var(--cream-2); color: var(--ink-700); }
.input-group__btn svg { width: 18px; height: 18px; }

/* Range slider */
.range { width: 100%; -webkit-appearance: none; appearance: none; background: transparent; margin: 6px 0 4px; height: 26px; --fill: 0%; }
.range::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(90deg, var(--brand-500) var(--fill), var(--cream-3) var(--fill)); }
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--brand-600); border: 3px solid #fff; box-shadow: var(--shadow-1); margin-top: -8px; cursor: grab;
}
.range::-moz-range-track { height: 6px; border-radius: 3px; background: linear-gradient(90deg, var(--brand-500) var(--fill), var(--cream-3) var(--fill)); }
.range::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--brand-600); border: 3px solid #fff; box-shadow: var(--shadow-1); cursor: grab; }
.range:focus-visible { outline: none; }
.range:focus-visible::-webkit-slider-thumb { box-shadow: var(--shadow-focus); }

/* --- 13b. Choice cards --------------------------------------------------- */
.picks { display: grid; gap: 12px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.pick { position: relative; display: block; cursor: pointer; }
.pick input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.pick__body {
  display: block; height: 100%; padding: 18px 20px;
  border: 1px solid var(--line-strong); border-radius: var(--r-md); background: var(--paper);
  transition: border-color .16s ease, box-shadow .16s ease, background-color .16s ease;
}
.pick:hover .pick__body { border-color: var(--ink-400); }
.pick input:checked + .pick__body { border-color: var(--brand-500); background: var(--brand-050); box-shadow: var(--shadow-focus); }
.pick input:focus-visible + .pick__body { outline: 2px solid var(--brand-500); outline-offset: 2px; }
.pick__body b { display: block; color: var(--ink-900); margin-bottom: 3px; }
.pick__body span { display: block; font-size: .86rem; color: var(--ink-500); line-height: 1.45; }

/* --- 14. Steps / wizard -------------------------------------------------- */
.steps { display: flex; gap: 8px; margin-bottom: 30px; flex-wrap: wrap; }
.step { display: flex; align-items: center; gap: 10px; padding: 11px 16px; border-radius: var(--r-pill); background: var(--cream-2); color: var(--ink-400); font-size: .86rem; font-weight: 620; }
.step i { width: 21px; height: 21px; border-radius: 50%; background: var(--paper); display: grid; place-items: center; font-size: .72rem; font-style: normal; font-weight: 700; color: var(--ink-400); flex: none; }
.step[aria-current="step"] { background: var(--brand-600); color: #fff; }
.step[aria-current="step"] i { background: rgba(255, 255, 255, .22); color: #fff; }
.step.is-done { background: var(--mint-100); color: var(--mint-700); }
.step.is-done i { background: var(--mint-600); color: #fff; }

.progress { height: 6px; border-radius: 3px; background: var(--cream-3); overflow: hidden; margin-bottom: 26px; }
.progress span { display: block; height: 100%; background: linear-gradient(90deg, var(--brand-500), var(--mint-500)); border-radius: 3px; transition: width .35s cubic-bezier(.4, 0, .2, 1); }

.wpanel[hidden] { display: none; }
@media (max-width: 620px) { .picks { grid-template-columns: minmax(0, 1fr); } }
.wpanel { animation: rise .3s ease; }

/* Review list */
.review { border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.review__row { display: grid; grid-template-columns: 190px minmax(0, 1fr); gap: 16px; padding: 13px 18px; border-bottom: 1px solid var(--line-soft); font-size: .93rem; }
.review__row:last-child { border-bottom: 0; }
.review__row dt { color: var(--ink-400); font-weight: 600; margin: 0; }
.review__row dd { margin: 0; color: var(--ink-800); font-weight: 600; }

/* --- 15. Callouts -------------------------------------------------------- */
.callout { display: flex; gap: 14px; padding: 18px 20px; border-radius: var(--r-md); background: var(--brand-050); border: 1px solid #CFE1F8; font-size: .93rem; color: var(--ink-600); }
.callout svg { width: 20px; height: 20px; flex: none; color: var(--brand-600); margin-top: 2px; }
.callout--warn { background: var(--gold-100); border-color: #EBD9A8; }
.callout--warn svg { color: var(--gold-600); }
.callout--danger { background: var(--danger-100); border-color: #F3C9C5; }
.callout--danger svg { color: var(--danger-600); }
.callout--mint { background: var(--mint-100); border-color: #B6E6D5; }
.callout--mint svg { color: var(--mint-600); }
.callout > div > *:last-child { margin-bottom: 0; }

/* --- 16. Quotes ---------------------------------------------------------- */
.quote { display: flex; flex-direction: column; height: 100%; }
.quote__mark { font-family: var(--font-serif); font-size: 3.2rem; line-height: .8; color: var(--brand-400); margin-bottom: 10px; }
.quote__text { font-family: var(--font-serif); font-size: 1.14rem; line-height: 1.5; color: var(--ink-800); flex: 1; }
.quote__by { display: flex; align-items: center; gap: 12px; margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line-soft); }
.quote__by .quote__av { width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: var(--ink-800); color: #fff; font-weight: 700; font-size: .9rem; flex: none; }
.quote__by b { display: block; font-size: .92rem; color: var(--ink-900); }
.quote__by span { font-size: .8rem; color: var(--ink-400); }
.stars { display: flex; gap: 2px; color: var(--gold-500); margin-bottom: 14px; }
.stars svg { width: 16px; height: 16px; }

/* --- 17. CTA band -------------------------------------------------------- */
.cta-band { position: relative; overflow: hidden; background: linear-gradient(120deg, var(--brand-700), var(--ink-900) 70%); color: #D5E4F2; border-radius: var(--r-xl); padding: clamp(34px, 5vw, 62px); }
.cta-band::after { content: ""; position: absolute; width: 420px; height: 420px; right: -140px; bottom: -200px; border-radius: 50%; background: radial-gradient(circle, rgba(0, 165, 116, .45), transparent 68%); }
.cta-band h2 { color: #fff; }
.cta-band .lead { color: #A9C0D6; }
.cta-band__in { position: relative; display: grid; grid-template-columns: minmax(0, 1.2fr) auto; gap: 32px; align-items: center; }

/* --- 18. Footer ---------------------------------------------------------- */
.ft { background: var(--ink-900); color: #9DB5CC; font-size: .9rem; padding-top: clamp(48px, 6vw, 76px); }
.ft a { color: #C6D9EC; text-decoration: none; }
.ft a:hover { color: #fff; text-decoration: underline; }
.ft__grid { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 34px; padding-bottom: 46px; }
.ft__brand .brand__text b { color: #fff; }
.ft__brand .brand__text i { color: #7E97B1; }
.ft__blurb { margin: 18px 0 0; font-size: .88rem; color: #8FA9C4; max-width: 34ch; }
.ft h4 { color: #fff; font-size: .78rem; letter-spacing: .11em; text-transform: uppercase; margin-bottom: 16px; font-family: var(--font-sans); font-weight: 700; }
.ft ul { list-style: none; margin: 0; padding: 0; }
.ft li { margin-bottom: 8px; }
.ft ul a { display: inline-block; padding-block: 4px; }
.ft__bar { border-top: 1px solid rgba(255, 255, 255, .1); padding-block: 24px; display: flex; gap: 18px; justify-content: space-between; flex-wrap: wrap; align-items: center; font-size: .82rem; }
.ft__legal { display: flex; gap: 8px 20px; flex-wrap: wrap; align-items: center; }
.ft__legal a { display: inline-block; padding-block: 3px; }
.ft__demo { display: flex; gap: 10px; align-items: flex-start; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--r-md); padding: 14px 18px; font-size: .82rem; color: #A9C0D6; margin-bottom: 26px; }
.ft__demo svg { width: 17px; height: 17px; flex: none; margin-top: 2px; color: #7FB2F2; }
.ft__social { display: flex; gap: 10px; }
.ft__social a { width: 38px; height: 38px; border-radius: 50%; border: 1px solid rgba(255, 255, 255, .16); display: grid; place-items: center; }
.ft__social a:hover { background: rgba(255, 255, 255, .1); }
.ft__social svg { width: 17px; height: 17px; }

/* --- 19. Utility page shells -------------------------------------------- */
.page-head { background: linear-gradient(180deg, var(--cream) 0%, var(--paper) 100%); padding-block: clamp(38px, 5vw, 66px) clamp(30px, 4vw, 52px); border-bottom: 1px solid var(--line); }
.page-head h1 { margin-bottom: .3em; }
.crumbs { display: flex; gap: 8px; align-items: center; font-size: .84rem; color: var(--ink-400); margin-bottom: 16px; flex-wrap: wrap; }
.crumbs a { color: var(--ink-500); text-decoration: none; }
.crumbs a:hover { color: var(--brand-600); text-decoration: underline; }
.crumbs span { opacity: .5; }

.auth { min-height: 100vh; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.08fr); }
.auth__aside { position: relative; overflow: hidden; background: radial-gradient(120% 120% at 20% 10%, #17467F, #061527 72%); color: #B9CEE2; padding: clamp(32px, 5vw, 64px); display: flex; flex-direction: column; justify-content: space-between; }
.auth__aside h2 { color: #fff; }
.auth__main { display: flex; align-items: center; justify-content: center; padding: clamp(28px, 5vw, 60px) var(--gutter); }
.auth__card { width: 100%; max-width: 430px; }
.auth__list { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 14px; }
.auth__list li { display: flex; gap: 11px; font-size: .93rem; align-items: flex-start; }
.auth__list svg { width: 18px; height: 18px; color: #6FE3B8; flex: none; margin-top: 4px; }
.auth__foot { font-size: .8rem; color: #7E97B1; }

/* --- 19b. Scroll reveal -------------------------------------------------- */
/* Only armed when JavaScript is present, so content is never trapped hidden. */
html.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .65s ease, transform .65s cubic-bezier(.2, .7, .2, 1); }
html.js .reveal.is-in { opacity: 1; transform: none; }
html.js .reveal--d1 { transition-delay: .08s; }
html.js .reveal--d2 { transition-delay: .16s; }
html.js .reveal--d3 { transition-delay: .24s; }
html.js .reveal--d4 { transition-delay: .32s; }

/* --- 22. Calculators ----------------------------------------------------- */
.calc { display: grid; grid-template-columns: minmax(0, 1.04fr) minmax(0, .96fr); gap: 26px; align-items: start; }
.calc__panel { background: var(--cream); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(20px, 2.6vw, 28px); }
.calc__row { margin-bottom: 22px; }
.calc__row:last-child { margin-bottom: 0; }
.calc__row > label, .calc__row > .label { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-size: .86rem; font-weight: 620; color: var(--ink-800); margin-bottom: 9px; }
.calc__row output { font-family: var(--font-mono); font-size: .95rem; font-weight: 650; color: var(--brand-600); }
.calc__result { background: linear-gradient(160deg, var(--ink-800), var(--ink-900)); color: #fff; border-radius: var(--r-lg); padding: clamp(22px, 2.6vw, 30px); box-shadow: var(--shadow-2); }
.calc__k { font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: #8FA9C4; font-weight: 700; margin: 0 0 6px; }
.calc__amount { font-family: var(--font-serif); font-size: clamp(2.1rem, 4vw, 2.9rem); line-height: 1.08; letter-spacing: -.03em; margin: 0; }
.calc__amount small { font-family: var(--font-sans); font-size: .95rem; font-weight: 600; color: #8FA9C4; letter-spacing: 0; }
.calc__rows { display: grid; gap: 11px; margin: 20px 0 0; padding: 18px 0 0; border-top: 1px solid rgba(255, 255, 255, .14); }
.calc__rows > div { display: flex; justify-content: space-between; gap: 14px; font-size: .9rem; color: #B4C8DC; }
.calc__rows dt, .calc__rows .k { color: #B4C8DC; }
.calc__rows b, .calc__rows dd { color: #fff; font-family: var(--font-mono); font-variant-numeric: tabular-nums; margin: 0; }
.calc__bar { display: flex; height: 10px; border-radius: 5px; overflow: hidden; margin-top: 20px; background: rgba(255, 255, 255, .16); }
.calc__bar i { display: block; height: 100%; transition: width .35s ease; }
.calc__legend { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 11px; font-size: .78rem; color: #8FA9C4; }
.calc__legend span { display: inline-flex; align-items: center; gap: 7px; }
.calc__legend em { width: 9px; height: 9px; border-radius: 3px; display: block; }
.calc__note { margin-top: 18px; font-size: .78rem; color: #8FA9C4; }

.segctl { display: flex; gap: 7px; flex-wrap: wrap; }
.segctl button {
  flex: 1 1 auto; min-width: 64px; padding: 11px 12px; border-radius: var(--r-md);
  border: 1px solid var(--line-strong); background: var(--paper);
  font-family: inherit; font-size: .88rem; font-weight: 620; color: var(--ink-600); cursor: pointer;
  transition: background-color .15s ease, border-color .15s ease, color .15s ease;
}
.segctl button:hover { border-color: var(--ink-400); color: var(--ink-900); }
.segctl button[aria-pressed="true"] { background: var(--brand-600); border-color: var(--brand-600); color: #fff; }

.chart { margin-top: 4px; }
html:not(.js) .chart { display: none; }
.chart svg { width: 100%; height: auto; overflow: visible; }
.chart__axis { stroke: var(--line); stroke-width: 1; }
.chart__line { fill: none; stroke: var(--brand-500); stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.chart__area { fill: url(#chartFill); }
.chart__dot { fill: #fff; stroke: var(--brand-500); stroke-width: 2.5; }
.chart__cap { display: flex; justify-content: space-between; font-size: .74rem; color: var(--ink-400); margin-top: 8px; }

/* --- 23. Cards (credit-card artwork) ------------------------------------ */
.ccard {
  position: relative; overflow: hidden; aspect-ratio: 1.586; border-radius: 18px;
  padding: clamp(18px, 2.2vw, 24px); color: #fff; display: flex; flex-direction: column;
  justify-content: space-between; box-shadow: var(--shadow-3); max-width: 400px;
}
.ccard::after { content: ""; position: absolute; inset: 0; background: radial-gradient(120% 90% at 100% 0%, rgba(255, 255, 255, .26), transparent 62%); }
.ccard--blue { background: linear-gradient(140deg, #1558B0, #0A2A52); }
.ccard--mint { background: linear-gradient(140deg, #00875F, #07382B); }
.ccard--ink { background: linear-gradient(140deg, #22364F, #061527); }
.ccard--gold { background: linear-gradient(140deg, #B8862B, #5C4211); }
.ccard__top, .ccard__bottom { position: relative; display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.ccard__name { font-family: var(--font-serif); font-size: 1.02rem; letter-spacing: -.01em; }
.ccard__chip { width: 36px; height: 26px; border-radius: 6px; background: linear-gradient(140deg, #F6E0A3, #B8862B); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .35); flex: none; }
.ccard__num { position: relative; font-family: var(--font-mono); font-size: clamp(.95rem, 1.6vw, 1.08rem); letter-spacing: .14em; margin: 0; }
.ccard__meta { position: relative; display: flex; gap: 24px; font-size: .66rem; letter-spacing: .1em; text-transform: uppercase; opacity: .82; }
.ccard__meta b { display: block; font-family: var(--font-mono); font-size: .86rem; letter-spacing: .04em; opacity: 1; }

/* --- 24. Timeline -------------------------------------------------------- */
.timeline { display: grid; gap: 0; }
.timeline__item { display: grid; grid-template-columns: 46px minmax(0, 1fr); gap: 18px; padding-bottom: 30px; position: relative; }
.timeline__item:last-child { padding-bottom: 0; }
.timeline__item:not(:last-child)::before { content: ""; position: absolute; left: 22px; top: 48px; bottom: 2px; width: 2px; background: var(--line); }
.timeline__num { width: 46px; height: 46px; border-radius: 50%; background: var(--brand-100); color: var(--brand-700); display: grid; place-items: center; font-family: var(--font-serif); font-size: 1.1rem; font-weight: 600; position: relative; }
.timeline__item h4 { margin: 10px 0 4px; }
.timeline__item p { color: var(--ink-500); font-size: .95rem; }
.sec--ink .timeline__num { background: rgba(255, 255, 255, .12); color: #fff; }
.sec--ink .timeline__item:not(:last-child)::before { background: rgba(255, 255, 255, .14); }
.sec--ink .timeline__item p { color: #A9C0D6; }

/* --- 25. Filters --------------------------------------------------------- */
.filterbar { display: flex; gap: 14px; flex-wrap: wrap; align-items: flex-end; margin-bottom: 20px; }
.filterbar .field { margin-bottom: 0; flex: 1 1 210px; min-width: 170px; }
.chips { display: flex; gap: 8px; flex-wrap: wrap; }
.chip {
  border: 1px solid var(--line-strong); background: var(--paper); border-radius: var(--r-pill);
  padding: 9px 17px; font-family: inherit; font-size: .88rem; font-weight: 620; color: var(--ink-500);
  cursor: pointer; transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
.chip:hover { border-color: var(--ink-400); color: var(--ink-900); }
.chip[aria-pressed="true"] { background: var(--ink-800); border-color: var(--ink-800); color: #fff; }
.empty { padding: 44px 24px; text-align: center; color: var(--ink-400); }

/* --- 26. Checklist ------------------------------------------------------- */
.checklist { display: grid; gap: 12px; }
.checklist .check {
  padding: 15px 17px; border: 1px solid var(--line); border-radius: var(--r-md);
  background: var(--paper); transition: background-color .2s ease, border-color .2s ease;
}
.checklist .check:has(input:checked) { background: var(--mint-100); border-color: #B6E6D5; }
.checklist .check b { display: block; color: var(--ink-900); }
.checklist .check span { font-size: .86rem; color: var(--ink-500); }
.score { display: flex; align-items: center; gap: 14px; margin-top: 20px; }
.score__track { flex: 1; height: 8px; border-radius: 4px; background: var(--cream-3); overflow: hidden; }
.score__track i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--danger-500), var(--gold-500), var(--mint-500)); transition: width .3s ease; }
.score b { font-family: var(--font-mono); font-size: 1.1rem; color: var(--ink-900); min-width: 58px; text-align: right; }

/* --- 27. Misc ------------------------------------------------------------ */
.dots { display: flex; gap: 9px; justify-content: center; }
.dots button {
  width: 10px; height: 10px; padding: 0; border: 0; border-radius: 50%;
  background: var(--line-strong); cursor: pointer;
  transition: width .22s ease, background-color .22s ease, border-radius .22s ease;
}
.dots button:hover { background: var(--ink-400); }
.dots button[aria-current="true"] { width: 30px; border-radius: 5px; background: var(--brand-600); }

.icon-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.icon-list li { display: flex; gap: 12px; align-items: flex-start; font-size: .96rem; color: var(--ink-600); }
.icon-list svg { width: 19px; height: 19px; flex: none; color: var(--brand-600); margin-top: 3px; }
.icon-list b { color: var(--ink-900); }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--brand-100); color: var(--brand-700); display: grid; place-items: center; font-weight: 700; flex: none; }
.kbd { font-family: var(--font-mono); font-size: .82rem; background: var(--cream-2); border: 1px solid var(--line); border-bottom-width: 2px; border-radius: 6px; padding: 2px 6px; color: var(--ink-700); }
.hr-soft { border-top: 1px solid var(--line); margin: 0; }
.pad-lg { padding: clamp(26px, 3.4vw, 44px); }
.ratio-16-9 { aspect-ratio: 16 / 9; }

@media (max-width: 900px) {
  .calc { grid-template-columns: minmax(0, 1fr); }
}

/* --- 20. Motion + print -------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
}

/* --- 21. Responsive ------------------------------------------------------ */
@media (max-width: 1080px) {
  .grid--sidebar { grid-template-columns: minmax(0, 1fr); }
  .ft__grid { grid-template-columns: 1.4fr 1fr 1fr; }
}

@media (max-width: 980px) {
  .nav { display: none; }
  .burger { display: grid; }
  .hdr__in { justify-content: space-between; }
  .hdr__cta .btn--ghost { display: none; }
  .hero__in { grid-template-columns: minmax(0, 1fr); }
  .mock { margin-top: 18px; }
  .float-card--a { left: 0; }
  .float-card--b { right: 0; }
  .grid--split { grid-template-columns: minmax(0, 1fr); }
  .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cta-band__in { grid-template-columns: minmax(0, 1fr); }
  .auth { grid-template-columns: minmax(0, 1fr); }
  .auth__aside { display: none; }
}

@media (max-width: 780px) {
  body { font-size: 16px; }
  :root { --gutter: 18px; }
  .grid--3, .grid--2 { grid-template-columns: minmax(0, 1fr); }
  .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .field-row, .field-row--3 { grid-template-columns: minmax(0, 1fr); }
  .ft__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; }
  .util__in { justify-content: center; text-align: center; }
  .review__row { grid-template-columns: minmax(0, 1fr); gap: 3px; }
  .hero__ticker { gap: 24px; }
  .card { padding: 22px; }
}

@media (max-width: 560px) {
  .grid--4 { grid-template-columns: minmax(0, 1fr); }
  .hdr__cta .btn { padding: 11px 15px; font-size: .88rem; }
  .float-card--b { display: none; }
  .ft__grid { grid-template-columns: minmax(0, 1fr); }
  .step span { display: none; }
}

@media print {
  .hdr, .util, .drawer, .ft__social, .btn { display: none !important; }
  body { font-size: 12pt; }
}