/* ==========================================================================
   Bharat Kist — website stylesheet
   --------------------------------------------------------------------------
   The tokens below are a direct port of the mobile app's design system
   (bufferwallet-mobile/lib/core/theme/). Colours, radii, spacing, the
   navy-tinted shadow rule and the motion vocabulary are the same values, so
   the site and the app read as one product.

   Rule carried over from DESIGN-SYSTEM.md: components compose tokens. A block
   that hard-codes a hex, a radius or a duration is a bug, not a shortcut.
   ========================================================================== */

/* ---------------------------------------------------------------- 1. tokens */
:root {
  /* brand anchors */
  --navy: #0a1b5e;
  --navy-deep: #061240;
  --navy-soft: #1b3080;
  --orange: #f57c20;
  --orange-soft: #ffa352;
  --green: #2fa84f;
  --green-bright: #37c13b;
  --green-deep: #1e7f3c;
  --teal: #14b8a6;
  --amber: #f5a623;
  --violet: #6d5be3;
  --violet-deep: #4b3bb8;
  --sky: #2e90fa;

  /* neutral ramp */
  --ink: #0f1729;
  --text-dark: #1f2933;
  --text-muted: #6b7a90;
  --text-faint: #9aa6b8;
  --line: #e6ebf2;
  --field-border: #d7dee9;
  --surface: #ffffff;
  --surface-alt: #f7f9fc;
  --canvas: #f4f7fb;

  /* semantic */
  --success: #16a34a;
  --success-soft: #e7f6ec;
  --danger: #dc2626;
  --danger-soft: #fdecec;
  --warning: #d97706;
  --warning-soft: #fef3e2;
  --info: #2563eb;
  --info-soft: #eaf1fe;

  /* pastels — used behind illustrative panels */
  --pastel-blue: #cfe0f5;
  --pastel-yellow: #fce9a6;
  --pastel-green: #d9ebd2;
  --pastel-peach: #f2b48c;
  --pastel-violet: #ddd8fa;

  /* spacing (AppSpacing) */
  --s-xs: 4px;
  --s-sm: 8px;
  --s-md: 12px;
  --s-lg: 16px;
  --s-xl: 20px;
  --s-2xl: 28px;
  --s-3xl: 40px;
  --gutter: 20px;

  /* radius (AppRadius) */
  --r-sm: 10px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 26px;
  --r-pill: 999px;

  /* elevation — navy-tinted, never grey */
  --sh-card: 0 6px 18px rgba(10, 27, 94, 0.05);
  --sh-raised: 0 12px 28px rgba(10, 27, 94, 0.1);
  --sh-float: 0 22px 48px rgba(10, 27, 94, 0.14);
  --sh-inset: inset 0 1px 0 rgba(255, 255, 255, 0.6);

  /* motion (AppMotion) */
  --m-instant: 120ms;
  --m-fast: 220ms;
  --m-normal: 360ms;
  --m-slow: 550ms;
  --m-counter: 900ms;
  --ease: cubic-bezier(0.33, 1, 0.68, 1);       /* easeOutCubic */
  --ease-emph: cubic-bezier(0.2, 0, 0, 1);       /* the house curve */
  --ease-spring: cubic-bezier(0.34, 1.4, 0.64, 1);

  /* layout */
  --shell: 1180px;
  --header-h: 76px;

  /* gradients (AppGradients) */
  --g-brand: linear-gradient(135deg, var(--navy-deep), var(--navy) 52%, var(--navy-soft));
  --g-wallet: linear-gradient(135deg, var(--green-deep), var(--green) 50%, var(--teal));
  --g-credit: linear-gradient(135deg, var(--violet-deep), var(--violet) 50%, var(--sky));
  /* Small badges only — orange→amber is too light to carry white body text. */
  --g-warm: linear-gradient(90deg, var(--orange), var(--amber));
  /* The text-safe warm ramp for gradient cards: white on #a8480a clears 4.5:1,
     and a 135deg ramp keeps the dark end under the top-left where copy sits. */
  --g-warm-deep: linear-gradient(135deg, #a8480a, #c25a0c 45%, var(--orange));

  --font-display: 'Plus Jakarta Sans', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-body: 'Manrope', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', sans-serif;
}

/* Accent mapping — a card sets data-accent and every child follows suit. */
[data-accent='green']  { --accent: var(--green);  --accent-deep: var(--green-deep);  --accent-grad: var(--g-wallet); --accent-soft: #e7f6ec; }
[data-accent='violet'] { --accent: var(--violet); --accent-deep: var(--violet-deep); --accent-grad: var(--g-credit); --accent-soft: #ece9fd; }
[data-accent='orange'] { --accent: var(--orange); --accent-deep: #c85f0d;            --accent-grad: var(--g-warm-deep); --accent-soft: #fef0e3; }
[data-accent='navy']   { --accent: var(--navy);   --accent-deep: var(--navy-deep);   --accent-grad: var(--g-brand);  --accent-soft: #e7ebf7; }

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

* { margin: 0; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

body {
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.62;
  color: var(--text-dark);
  background: var(--canvas);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

body.is-locked { overflow: hidden; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--ink);
  line-height: 1.14;
  letter-spacing: -0.028em;
  font-weight: 800;
  text-wrap: balance;
}

h1 { font-size: clamp(2.15rem, 1.35rem + 3.4vw, 3.9rem); }
h2 { font-size: clamp(1.7rem, 1.2rem + 2.1vw, 2.7rem); }
h3 { font-size: clamp(1.2rem, 1.05rem + 0.7vw, 1.5rem); letter-spacing: -0.02em; }
h4, .h4 { font-size: 1.08rem; letter-spacing: -0.015em; font-weight: 700; line-height: 1.2; }

p { text-wrap: pretty; }

a { color: inherit; text-decoration: none; }

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

button, input, select, textarea { font: inherit; color: inherit; }

button { background: none; border: 0; cursor: pointer; }

::selection { background: color-mix(in srgb, var(--orange) 26%, transparent); }

:focus-visible {
  outline: 3px solid color-mix(in srgb, var(--sky) 65%, transparent);
  outline-offset: 3px;
  border-radius: 6px;
}

.skip-link {
  position: fixed; top: 8px; left: 8px; z-index: 300;
  padding: 10px 18px; border-radius: var(--r-pill);
  background: var(--navy); color: #fff; font-weight: 700;
  transform: translateY(-160%);
  transition: transform var(--m-fast) var(--ease);
}
.skip-link:focus { transform: translateY(0); }

/* Money, scores and countdowns never jitter mid-animation. */
.tabular, .stat-value, .money, .num { font-variant-numeric: tabular-nums; }

/* ---------------------------------------------------------------- 3. layout */
.shell {
  width: 100%;
  max-width: var(--shell);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section { padding-block: clamp(56px, 7vw, 104px); position: relative; }
.section-tight { padding-block: clamp(40px, 5vw, 68px); }
.section-alt { background: var(--surface); }
.section-dark { background: var(--navy-deep); color: rgba(255, 255, 255, 0.78); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }

.grid { display: grid; gap: var(--s-xl); }
.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)); }

.stack { display: grid; gap: var(--s-lg); }
.row { display: flex; gap: var(--s-md); align-items: center; flex-wrap: wrap; }

/* --------------------------------------------------------- 4. type helpers */
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display);
  font-size: 0.735rem; font-weight: 800;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--accent, var(--orange));
  margin-bottom: var(--s-md);
}
.eyebrow span {
  width: 26px; height: 3px; border-radius: var(--r-pill);
  background: currentColor; opacity: 0.85;
}

.heading { max-width: 62ch; }
.heading-center { margin-inline: auto; text-align: center; }
.heading-center .eyebrow { justify-content: center; }
.heading-lead {
  margin-top: var(--s-lg);
  font-size: clamp(1.02rem, 0.98rem + 0.25vw, 1.16rem);
  color: var(--text-muted);
  line-height: 1.68;
}
.section-dark .heading-lead { color: rgba(255, 255, 255, 0.72); }

.lead { font-size: 1.12rem; color: var(--text-muted); line-height: 1.68; }
.muted { color: var(--text-muted); }
.small { font-size: 0.88rem; }

/* ------------------------------------------------------------------ 5. icon */
.icon { display: inline-flex; width: 1.25em; height: 1.25em; flex: none; }
.icon svg { width: 100%; height: 100%; }

/* ---------------------------------------------------------------- 6. logo */
.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo-mark { width: 36px; height: 38px; flex: none; }
.logo-word {
  font-family: var(--font-display);
  font-weight: 800; font-size: 1.32rem; letter-spacing: -0.035em;
  white-space: nowrap;
}
.logo-bharat { color: var(--orange); }
.logo-kist { color: var(--green); }

/* --------------------------------------------------------------- 7. buttons */
.btn {
  position: relative;
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 14px 26px;
  border-radius: var(--r-pill);
  font-family: var(--font-display);
  font-weight: 700; font-size: 0.97rem; letter-spacing: -0.01em;
  cursor: pointer;
  white-space: nowrap;
  transition: transform var(--m-instant) var(--ease-spring),
              box-shadow var(--m-fast) var(--ease),
              background-color var(--m-fast) var(--ease),
              color var(--m-fast) var(--ease);
  will-change: transform;
}
.btn .btn-icon { transition: transform var(--m-fast) var(--ease-emph); }
.btn:hover .btn-icon { transform: translateX(4px); }
.btn:active { transform: scale(0.965); }

.btn-primary {
  background: var(--green);
  color: #fff;
  box-shadow: 0 10px 24px rgba(47, 168, 79, 0.32);
}
.btn-primary:hover { background: var(--green-deep); box-shadow: 0 14px 30px rgba(47, 168, 79, 0.4); }

.btn-navy { background: var(--navy); color: #fff; box-shadow: 0 10px 24px rgba(10, 27, 94, 0.28); }
.btn-navy:hover { background: var(--navy-deep); }

.btn-orange { background: var(--orange); color: #fff; box-shadow: 0 10px 24px rgba(245, 124, 32, 0.32); }
.btn-orange:hover { background: #db6a13; }

.btn-ghost {
  background: var(--surface);
  color: var(--ink);
  box-shadow: inset 0 0 0 1.5px var(--line), var(--sh-card);
}
.btn-ghost:hover { box-shadow: inset 0 0 0 1.5px var(--navy), var(--sh-raised); }

.btn-outline-light {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.32);
  backdrop-filter: blur(6px);
}
.btn-outline-light:hover { background: rgba(255, 255, 255, 0.18); }

.btn-sm { padding: 10px 20px; font-size: 0.9rem; }
.btn-lg { padding: 17px 32px; font-size: 1.04rem; }
.btn-block { width: 100%; }

/* Ripple-free press feedback for anything marked data-press. */
[data-press] { transition: transform var(--m-instant) var(--ease-spring); }
[data-press].is-pressed { transform: scale(0.97); }

/* ----------------------------------------------------------------- 8. pills */
.pill {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 6px 14px;
  border-radius: var(--r-pill);
  font-family: var(--font-display);
  font-size: 0.775rem; font-weight: 700; letter-spacing: 0.02em;
  white-space: nowrap;
}
.pill-brand { background: var(--info-soft); color: var(--navy); }
.pill-green { background: var(--success-soft); color: var(--green-deep); }
.pill-orange { background: var(--warning-soft); color: #b35b09; }
.pill-violet { background: #ece9fd; color: var(--violet-deep); }
.pill-danger { background: var(--danger-soft); color: var(--danger); }
.pill-soon {
  background: var(--g-warm); color: #fff;
  box-shadow: 0 6px 16px rgba(245, 124, 32, 0.32);
}
.pill-onsurface {
  background: rgba(255, 255, 255, 0.18); color: #fff;
  backdrop-filter: blur(6px);
}

/* ----------------------------------------------------------------- 9. cards */
.card {
  background: var(--surface);
  border-radius: var(--r-xl);
  padding: var(--s-2xl);
  box-shadow: var(--sh-card);
  border: 1px solid var(--line);
  transition: transform var(--m-fast) var(--ease-emph), box-shadow var(--m-fast) var(--ease);
}
.card-hover:hover { transform: translateY(-6px); box-shadow: var(--sh-float); }

.card-gradient {
  position: relative;
  overflow: hidden;
  border: 0;
  color: #fff;
  background: var(--accent-grad, var(--g-brand));
  box-shadow: 0 18px 40px color-mix(in srgb, var(--accent, var(--navy)) 32%, transparent);
}
.card-gradient h2, .card-gradient h3, .card-gradient h4 { color: #fff; }
/* corner bloom, as in the app's GradientCard */
.card-gradient::after {
  content: '';
  position: absolute; inset: auto -60px -90px auto;
  width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.26), transparent 66%);
  pointer-events: none;
}

.notice {
  display: flex; gap: var(--s-lg);
  padding: var(--s-xl);
  border-radius: var(--r-lg);
  background: var(--info-soft);
  border: 1px solid color-mix(in srgb, var(--info) 18%, transparent);
  color: #1c2c54;
  font-size: 0.95rem; line-height: 1.65;
}
.notice-icon { color: var(--navy); width: 1.5em; height: 1.5em; margin-top: 2px; }
.notice strong { color: var(--navy); }
.notice-warn { background: var(--warning-soft); border-color: color-mix(in srgb, var(--warning) 26%, transparent); color: #6b3d05; }
.notice-warn .notice-icon, .notice-warn strong { color: #b35b09; }

/* --------------------------------------------------------------- 10. header */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 200;
  background: color-mix(in srgb, var(--canvas) 82%, transparent);
  backdrop-filter: saturate(1.6) blur(14px);
  -webkit-backdrop-filter: saturate(1.6) blur(14px);
  border-bottom: 1px solid transparent;
  transition: background var(--m-normal) var(--ease),
              border-color var(--m-normal) var(--ease),
              box-shadow var(--m-normal) var(--ease);
}
.site-header.is-stuck {
  background: rgba(255, 255, 255, 0.9);
  border-bottom-color: var(--line);
  box-shadow: 0 4px 20px rgba(10, 27, 94, 0.06);
}
/* Auto-hide on scroll down, reveal on scroll up — more room for content on mobile. */
.site-header.is-hidden { transform: translateY(-100%); }
.site-header { transition-property: background, border-color, box-shadow, transform; }

body { padding-top: var(--header-h); }

.header-inner {
  height: var(--header-h);
  display: flex; align-items: center; gap: var(--s-lg);
}
.header-brand { flex: none; }
.header-brand .logo-mark { transition: transform var(--m-slow) var(--ease-spring); }
.header-brand:hover .logo-mark { transform: rotate(-8deg) scale(1.06); }

.header-nav { margin-left: auto; }
.header-nav ul { display: flex; align-items: center; gap: 2px; list-style: none; padding: 0; }
.header-nav .has-menu { position: relative; }

.nav-link {
  position: relative;
  display: inline-flex; align-items: center; gap: 5px;
  padding: 9px 14px; border-radius: var(--r-pill);
  font-family: var(--font-display);
  font-weight: 600; font-size: 0.94rem; color: var(--text-dark);
  white-space: nowrap;
  transition: color var(--m-fast) var(--ease), background var(--m-fast) var(--ease);
}
.nav-link::after {
  content: ''; position: absolute; left: 14px; right: 14px; bottom: 4px;
  height: 2px; border-radius: 2px; background: var(--orange);
  transform: scaleX(0); transform-origin: left;
  transition: transform var(--m-fast) var(--ease-emph);
}
.nav-link:hover { color: var(--navy); background: rgba(10, 27, 94, 0.045); }
.nav-link:hover::after, .nav-link.is-active::after { transform: scaleX(1); }
.nav-link.is-active { color: var(--navy); font-weight: 700; }
.nav-caret { width: 0.9em; height: 0.9em; transition: transform var(--m-fast) var(--ease); }
.has-menu:hover .nav-caret { transform: rotate(180deg); }

.nav-menu {
  position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translateX(-50%) translateY(-8px);
  min-width: 262px; padding: 8px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-float);
  display: grid; gap: 2px;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity var(--m-fast) var(--ease),
              transform var(--m-fast) var(--ease-emph),
              visibility var(--m-fast);
}
.has-menu:hover .nav-menu, .has-menu:focus-within .nav-menu {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-menu-item {
  display: flex; align-items: center; gap: 10px;
  padding: 11px 14px; border-radius: var(--r-md);
  font-size: 0.92rem; font-weight: 600; color: var(--text-dark);
  transition: background var(--m-fast) var(--ease), color var(--m-fast) var(--ease);
}
.nav-menu-item:hover, .nav-menu-item.is-active { background: var(--surface-alt); color: var(--navy); }
.nav-menu-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent, var(--green)); flex: none; }

.header-actions { display: flex; align-items: center; gap: var(--s-md); flex: none; }
.header-phone {
  display: none; align-items: center; gap: 7px;
  font-family: var(--font-display); font-weight: 700; font-size: 0.9rem;
  color: var(--navy); padding: 8px 12px; border-radius: var(--r-pill);
  transition: background var(--m-fast) var(--ease);
}
.header-phone:hover { background: rgba(10, 27, 94, 0.05); }
.header-phone .icon { color: var(--green); }

/* scroll-progress hairline under the header */
.header-progress { height: 2px; background: transparent; }
.header-progress span {
  display: block; height: 100%; width: 0%;
  background: var(--g-warm);
  transition: width 80ms linear;
}

/* ------------------------------------------------------- 11. mobile drawer */
.drawer-toggle {
  display: grid; place-items: center;
  width: 44px; height: 44px; border-radius: var(--r-md);
  background: var(--surface); box-shadow: inset 0 0 0 1.5px var(--line);
}
.drawer-toggle-bars { display: grid; gap: 5px; width: 20px; }
.drawer-toggle-bars i {
  display: block; height: 2px; border-radius: 2px; background: var(--navy);
  transition: transform var(--m-fast) var(--ease-emph), opacity var(--m-instant) var(--ease);
}
.drawer-toggle[aria-expanded='true'] .drawer-toggle-bars i:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.drawer-toggle[aria-expanded='true'] .drawer-toggle-bars i:nth-child(2) { opacity: 0; }
.drawer-toggle[aria-expanded='true'] .drawer-toggle-bars i:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.drawer {
  position: fixed; inset: var(--header-h) 0 0 0; z-index: 190;
  background: var(--canvas);
  overflow-y: auto;
  opacity: 0;
  transition: opacity var(--m-fast) var(--ease);
}
.drawer[hidden] { display: none; }
.drawer.is-open { opacity: 1; }
.drawer-inner { padding: var(--s-2xl) var(--gutter) 56px; display: grid; gap: 2px; }
.drawer-link {
  font-family: var(--font-display); font-weight: 700; font-size: 1.28rem;
  color: var(--ink); padding: 14px 4px;
  border-bottom: 1px solid var(--line);
  opacity: 0; transform: translateY(14px);
}
.drawer.is-open .drawer-link,
.drawer.is-open .drawer-sub {
  animation: drawer-in var(--m-normal) var(--ease-emph) forwards;
}
.drawer-link.is-active { color: var(--green); }
.drawer-sub {
  padding: 11px 4px 11px 18px; font-size: 0.98rem; font-weight: 600;
  color: var(--text-muted); border-bottom: 1px solid var(--line);
  opacity: 0; transform: translateY(14px);
}
.drawer-sub.is-active { color: var(--violet); }
@keyframes drawer-in { to { opacity: 1; transform: none; } }
.drawer-foot { margin-top: var(--s-2xl); display: grid; gap: var(--s-md); }
.drawer-contact {
  display: flex; align-items: center; gap: 10px;
  font-weight: 600; color: var(--navy); padding: 6px 2px;
}
.drawer-contact .icon { color: var(--green); }

/* ------------------------------------------------ 12. scroll reveal system */
/* The web equivalent of the app's Entrance / Entrance.stagger widgets. */
.js [data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity var(--m-slow) var(--ease-emph), transform var(--m-slow) var(--ease-emph);
  transition-delay: var(--reveal-delay, 0ms);
}
.js [data-reveal].is-in { opacity: 1; transform: none; }

/* Failsafe. The `js` class is set inline in <head> to avoid a flash of
   unstyled content, which means a failure to load site.js would otherwise
   leave every revealed element permanently invisible. This zero-duration
   animation fires 4s in and forces the revealed state, so the page is always
   readable even if the script never runs. It is a no-op for anything the
   observer already revealed. */
.js [data-reveal] { animation: reveal-failsafe 0.01s linear 4s forwards; }
@keyframes reveal-failsafe { to { opacity: 1; transform: none; } }

.js [data-reveal='left']  { transform: translateX(-32px); }
.js [data-reveal='right'] { transform: translateX(32px); }
.js [data-reveal='scale'] { transform: scale(0.94); }
.js [data-reveal].is-in { transform: none; }

/* ------------------------------------------------------------------ 13. hero */
.hero {
  position: relative;
  padding-block: clamp(44px, 6vw, 84px) clamp(64px, 8vw, 116px);
  overflow: hidden;
}
.hero-bg { position: absolute; inset: -20% -10% auto -10%; height: 150%; z-index: 0; pointer-events: none; }
.hero-blob {
  position: absolute; border-radius: 50%;
  filter: blur(70px); opacity: 0.5;
  animation: drift 22s var(--ease) infinite alternate;
}
.hero-blob-1 { width: 420px; height: 420px; top: -60px; left: 4%;  background: var(--pastel-blue); }
.hero-blob-2 { width: 360px; height: 360px; top: 90px; right: 8%;  background: var(--pastel-green); animation-delay: -7s; }
.hero-blob-3 { width: 300px; height: 300px; top: 300px; left: 42%; background: var(--pastel-yellow); animation-delay: -13s; opacity: 0.42; }
@keyframes drift {
  from { transform: translate3d(0, 0, 0) scale(1); }
  to   { transform: translate3d(40px, -34px, 0) scale(1.12); }
}
/* faint grid, so the blobs sit on structure rather than mush */
.hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(10, 27, 94, 0.045) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(10, 27, 94, 0.045) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(ellipse 78% 62% at 50% 34%, #000 30%, transparent 76%);
  -webkit-mask-image: radial-gradient(ellipse 78% 62% at 50% 34%, #000 30%, transparent 76%);
}

.hero-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.06fr 0.94fr;
  gap: clamp(32px, 4vw, 60px); align-items: center;
}
.hero-title { margin-bottom: var(--s-xl); }
.hero-title .accent-underline { position: relative; white-space: nowrap; color: var(--green); }
.hero-title .accent-underline svg {
  position: absolute; left: 0; bottom: -0.16em; width: 100%; height: 0.34em; overflow: visible;
}
.hero-title .accent-underline path {
  stroke: var(--orange); stroke-width: 7; fill: none; stroke-linecap: round;
  stroke-dasharray: 340; stroke-dashoffset: 340;
  animation: draw 1s var(--ease-emph) 0.5s forwards;
}
@keyframes draw { to { stroke-dashoffset: 0; } }

.hero-lead { font-size: clamp(1.04rem, 0.98rem + 0.35vw, 1.2rem); color: var(--text-muted); max-width: 54ch; }
.hero-cta { display: flex; gap: var(--s-md); flex-wrap: wrap; margin-top: var(--s-2xl); }
.hero-trust {
  display: flex; flex-wrap: wrap; gap: var(--s-lg) var(--s-2xl);
  margin-top: var(--s-2xl); padding-top: var(--s-xl);
  border-top: 1px solid var(--line);
}
.hero-trust li { display: flex; align-items: center; gap: 9px; font-size: 0.9rem; font-weight: 600; color: var(--text-muted); list-style: none; }
.hero-trust .icon { color: var(--green); }

/* floating cards around the hero visual */
.hero-visual { position: relative; }
.float-card {
  position: absolute;
  background: var(--surface);
  border-radius: var(--r-lg);
  padding: 13px 17px;
  box-shadow: var(--sh-float);
  border: 1px solid var(--line);
  display: flex; align-items: center; gap: 11px;
  font-size: 0.85rem; font-weight: 700; font-family: var(--font-display);
  color: var(--ink);
  animation: bob 5.5s var(--ease) infinite alternate;
  z-index: 3;
}
.float-card .icon { width: 1.7em; height: 1.7em; padding: 0.28em; border-radius: 9px; }
.float-card small { display: block; font-size: 0.72rem; font-weight: 600; color: var(--text-faint); letter-spacing: 0; }
@keyframes bob { from { transform: translateY(0); } to { transform: translateY(-13px); } }

.float-a { top: -22px; left: -30px; animation-delay: -1s; }
.float-a .icon { color: var(--green); background: var(--success-soft); }
.float-b { bottom: -24px; right: -28px; animation-delay: -3s; }
.float-b .icon { color: var(--violet); background: #ece9fd; }
.float-c { top: -22px; right: -26px; animation-delay: -4.5s; }
.float-c .icon { color: var(--orange); background: var(--warning-soft); }

/* --------------------------------------------------- 14. the score dial */
/* Web port of the app's ProgressRing, used for credit-score and risk dials. */
.dial { width: 100%; max-width: 330px; margin-inline: auto; }
.dial-face { position: relative; }
.dial svg { width: 100%; height: auto; display: block; overflow: visible; }
.dial-track { stroke: var(--line); }
.dial-arc {
  stroke-linecap: round;
  transition: stroke-dashoffset var(--m-counter) var(--ease-emph),
              stroke var(--m-normal) var(--ease);
}
.dial-readout {
  position: absolute; left: 50%; bottom: 4%;
  transform: translateX(-50%);
  text-align: center; width: 100%;
}
.dial-value {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(2.3rem, 1.8rem + 2.2vw, 3.1rem);
  line-height: 1; letter-spacing: -0.04em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.dial-band {
  margin-top: 9px; display: inline-flex;
  font-family: var(--font-display); font-weight: 700; font-size: 0.83rem;
  padding: 5px 14px; border-radius: var(--r-pill);
  transition: background var(--m-normal) var(--ease), color var(--m-normal) var(--ease);
}
.dial-scale {
  display: flex; justify-content: space-between;
  margin-top: 6px; padding-inline: 4px;
  font-size: 0.72rem; font-weight: 700; color: var(--text-faint);
  font-variant-numeric: tabular-nums;
}
.dial-caption {
  margin-top: 8px; text-align: center;
  font-size: 0.8rem; color: var(--text-faint); font-weight: 600; line-height: 1.45;
}
.tool-output-dark .dial-value { color: #fff; }
.tool-output-dark .dial-track { stroke: rgba(255, 255, 255, 0.16); }
.tool-output-dark .dial-scale, .tool-output-dark .dial-caption { color: rgba(255, 255, 255, 0.5); }

/* ----------------------------------------------------- 15. sliders / inputs */
.field { display: grid; gap: 7px; }
.field-label {
  display: flex; justify-content: space-between; align-items: baseline; gap: var(--s-md);
  font-family: var(--font-display); font-weight: 700; font-size: 0.88rem; color: var(--text-dark);
}
.field-value {
  font-variant-numeric: tabular-nums;
  color: var(--accent, var(--navy));
  font-size: 1rem;
}
.field-hint { font-size: 0.78rem; color: var(--text-faint); }

input[type='range'] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 30px; background: transparent; cursor: pointer;
}
input[type='range']::-webkit-slider-runnable-track {
  height: 8px; border-radius: var(--r-pill);
  background: linear-gradient(90deg, var(--accent, var(--green)) var(--fill, 0%), var(--line) var(--fill, 0%));
}
input[type='range']::-moz-range-track {
  height: 8px; border-radius: var(--r-pill);
  background: linear-gradient(90deg, var(--accent, var(--green)) var(--fill, 0%), var(--line) var(--fill, 0%));
}
input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 24px; height: 24px; margin-top: -8px;
  border-radius: 50%; background: #fff;
  border: 3px solid var(--accent, var(--green));
  box-shadow: 0 3px 10px rgba(10, 27, 94, 0.22);
  transition: transform var(--m-instant) var(--ease-spring), box-shadow var(--m-fast) var(--ease);
}
input[type='range']::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%; background: #fff;
  border: 3px solid var(--accent, var(--green));
  box-shadow: 0 3px 10px rgba(10, 27, 94, 0.22);
}
input[type='range']:hover::-webkit-slider-thumb { transform: scale(1.14); }
input[type='range']:active::-webkit-slider-thumb { transform: scale(0.94); box-shadow: 0 0 0 8px color-mix(in srgb, var(--accent, var(--green)) 18%, transparent); }

.seg {
  display: inline-flex; padding: 4px; gap: 3px;
  background: var(--surface-alt); border-radius: var(--r-pill);
  border: 1px solid var(--line);
}
.seg button {
  padding: 8px 17px; border-radius: var(--r-pill);
  font-family: var(--font-display); font-weight: 700; font-size: 0.85rem;
  color: var(--text-muted);
  transition: background var(--m-fast) var(--ease), color var(--m-fast) var(--ease),
              box-shadow var(--m-fast) var(--ease);
}
.seg button[aria-pressed='true'] {
  background: var(--surface); color: var(--navy);
  box-shadow: var(--sh-card);
}

/* --------------------------------------------- 16. interactive tool shells */
.tool {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 0;
  border-radius: var(--r-xl);
  overflow: hidden;
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--sh-raised);
}
.tool-controls { padding: clamp(24px, 3vw, 38px); display: grid; gap: var(--s-xl); align-content: start; }
.tool-output {
  padding: clamp(24px, 3vw, 38px);
  background: var(--surface-alt);
  border-left: 1px solid var(--line);
  display: grid; gap: var(--s-lg); align-content: center;
}
.tool-output-dark {
  background: var(--g-brand); color: rgba(255, 255, 255, 0.8); border-left: 0;
  position: relative; overflow: hidden;
}
.tool-output-dark::after {
  content: ''; position: absolute; inset: auto -70px -110px auto;
  width: 300px; height: 300px; border-radius: 50%;
  background: radial-gradient(circle, rgba(47, 168, 79, 0.28), transparent 68%);
}
.tool-output-dark h3, .tool-output-dark .stat-value { color: #fff; }
.tool-head { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--s-lg); flex-wrap: wrap; }

.readout { display: grid; gap: 3px; position: relative; z-index: 1; }
.readout-label {
  font-family: var(--font-display); font-size: 0.76rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-faint);
}
.tool-output-dark .readout-label { color: rgba(255, 255, 255, 0.55); }
.readout-value {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(1.75rem, 1.4rem + 1.5vw, 2.5rem);
  letter-spacing: -0.035em; line-height: 1.05;
  color: var(--ink); font-variant-numeric: tabular-nums;
}
.tool-output-dark .readout-value { color: #fff; }
.readout-sub { font-size: 0.86rem; color: var(--text-muted); }
.tool-output-dark .readout-sub { color: rgba(255, 255, 255, 0.66); }

.delta {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-display); font-weight: 700; font-size: 0.85rem;
  padding: 4px 11px; border-radius: var(--r-pill);
  font-variant-numeric: tabular-nums;
  transition: background var(--m-normal) var(--ease), color var(--m-normal) var(--ease);
}
.delta-good { background: var(--success-soft); color: var(--green-deep); }
.delta-bad  { background: var(--danger-soft); color: var(--danger); }
.delta-flat { background: var(--surface-alt); color: var(--text-muted); }

/* stacked comparison bars */
.bars { display: grid; gap: var(--s-md); }
.bar-row { display: grid; gap: 6px; }
.bar-top { display: flex; justify-content: space-between; font-size: 0.84rem; font-weight: 600; }
.bar-track { height: 12px; border-radius: var(--r-pill); background: var(--line); overflow: hidden; }
.tool-output-dark .bar-track { background: rgba(255, 255, 255, 0.14); }
.bar-fill {
  height: 100%; border-radius: var(--r-pill);
  background: var(--accent-grad, var(--g-wallet));
  width: 0;
  transition: width var(--m-counter) var(--ease-emph), background var(--m-normal) var(--ease);
}

/* -------------------------------------------- 17. the 12-month EMI calendar */
.calendar-months {
  display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 6px;
}
.cal-month {
  aspect-ratio: 1 / 1.5;
  border-radius: var(--r-sm);
  background: var(--success-soft);
  border: 1.5px solid transparent;
  display: grid; place-items: center;
  font-family: var(--font-display); font-size: 0.68rem; font-weight: 700;
  color: var(--green-deep);
  cursor: pointer;
  transition: background var(--m-fast) var(--ease), color var(--m-fast) var(--ease),
              transform var(--m-instant) var(--ease-spring), border-color var(--m-fast) var(--ease);
}
.cal-month:hover { transform: translateY(-3px); border-color: var(--accent, var(--green)); }
.cal-month.is-missed { background: var(--danger-soft); color: var(--danger); }
.cal-month.is-missed::after { content: '✕'; }
.cal-month:not(.is-missed)::after { content: '✓'; }
.cal-label { line-height: 1; opacity: 0.85; }

/* A screen-reader-only utility, for labels that must not take visual space. */
.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  margin: -1px; padding: 0; overflow: hidden;
  clip-path: inset(50%); white-space: nowrap; border: 0;
}

.cal-legend { display: flex; gap: var(--s-lg); flex-wrap: wrap; font-size: 0.8rem; color: var(--text-muted); }
.cal-legend span { display: inline-flex; align-items: center; gap: 7px; }
.cal-swatch { width: 12px; height: 12px; border-radius: 4px; }

/* ------------------------------------------------------- 18. service cards */
.service-card {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; gap: var(--s-lg);
  padding: var(--s-2xl);
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  box-shadow: var(--sh-card);
  transition: transform var(--m-fast) var(--ease-emph), box-shadow var(--m-fast) var(--ease),
              border-color var(--m-fast) var(--ease);
}
.service-card::before {
  content: ''; position: absolute; inset: 0 0 auto 0; height: 4px;
  background: var(--accent-grad); transform: scaleX(0); transform-origin: left;
  transition: transform var(--m-normal) var(--ease-emph);
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--sh-float); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px; border-radius: var(--r-md);
  display: grid; place-items: center;
  background: var(--accent-soft); color: var(--accent);
  transition: transform var(--m-normal) var(--ease-spring);
}
.service-icon .icon { width: 1.6em; height: 1.6em; }
.service-card:hover .service-icon { transform: rotate(-7deg) scale(1.08); }
.service-num {
  position: absolute; top: 18px; right: 22px;
  font-family: var(--font-display); font-weight: 800; font-size: 3.4rem;
  color: var(--accent); opacity: 0.09; line-height: 1;
}
.service-list { display: grid; gap: 9px; list-style: none; padding: 0; }
.service-list li { display: flex; gap: 10px; font-size: 0.92rem; color: var(--text-muted); }
.service-list .icon { color: var(--accent); width: 1.15em; height: 1.15em; margin-top: 3px; flex: none; }
.service-foot {
  display: flex; align-items: center; justify-content: space-between; gap: var(--s-md);
  margin-top: auto; padding-top: var(--s-lg); border-top: 1px solid var(--line);
  flex-wrap: wrap;
}
/* the pricing page's variant ends in a button + link rather than a foot row */
.service-card > .btn { margin-top: auto; }
.service-price { font-family: var(--font-display); font-weight: 800; color: var(--ink); font-size: 1.15rem; }
.service-price small { font-weight: 600; font-size: 0.76rem; color: var(--text-faint); display: block; letter-spacing: 0; }
.service-more {
  display: inline-flex; align-items: center; gap: 7px;
  font-family: var(--font-display); font-weight: 700; font-size: 0.9rem; color: var(--accent);
}
.service-more .icon { transition: transform var(--m-fast) var(--ease-emph); }
.service-card:hover .service-more .icon { transform: translateX(5px); }

/* ------------------------------------------------------------ 19. counters */
.stat-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s-lg); }
.stat {
  padding: var(--s-xl);
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--sh-card);
  transition: transform var(--m-fast) var(--ease-emph), box-shadow var(--m-fast) var(--ease);
}
.stat:hover { transform: translateY(-5px); box-shadow: var(--sh-raised); }
.stat-value {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(1.8rem, 1.4rem + 1.4vw, 2.4rem);
  letter-spacing: -0.04em; color: var(--navy); line-height: 1.05;
}
.stat-label { margin-top: 6px; font-size: 0.88rem; color: var(--text-muted); }
.section-dark .stat { background: rgba(255, 255, 255, 0.05); border-color: rgba(255, 255, 255, 0.12); box-shadow: none; }
.section-dark .stat-value { color: #fff; }
.section-dark .stat-label { color: rgba(255, 255, 255, 0.62); }

/* ----------------------------------------------------------- 20. timeline */
.timeline { position: relative; display: grid; gap: var(--s-2xl); padding-left: 46px; }
.timeline::before {
  content: ''; position: absolute; left: 17px; top: 8px; bottom: 8px; width: 2px;
  background: var(--line); border-radius: 2px;
}
.timeline-fill {
  position: absolute; left: 17px; top: 8px; width: 2px; border-radius: 2px;
  background: linear-gradient(180deg, var(--green), var(--teal));
  height: 0; transition: height var(--m-slow) var(--ease-emph);
}
.timeline-step { position: relative; }
.timeline-dot {
  position: absolute; left: -46px; top: 0;
  width: 36px; height: 36px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--surface); border: 2px solid var(--line);
  font-family: var(--font-display); font-weight: 800; font-size: 0.85rem; color: var(--text-faint);
  transition: border-color var(--m-normal) var(--ease), color var(--m-normal) var(--ease),
              background var(--m-normal) var(--ease), transform var(--m-normal) var(--ease-spring);
}
.timeline-step.is-in .timeline-dot {
  border-color: var(--green); color: #fff; background: var(--green); transform: scale(1.08);
}
.timeline-step .h4 { margin-bottom: 6px; }
.timeline-step p { color: var(--text-muted); font-size: 0.96rem; }

/* --------------------------------------------------------- 21. accordion */
.accordion { display: grid; gap: var(--s-md); }
.acc-item {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-lg); overflow: hidden;
  transition: box-shadow var(--m-fast) var(--ease), border-color var(--m-fast) var(--ease);
}
.acc-item.is-open { box-shadow: var(--sh-raised); border-color: transparent; }
.acc-btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--s-lg);
  padding: var(--s-xl) var(--s-2xl); text-align: left;
  font-family: var(--font-display); font-weight: 700; font-size: 1.02rem; color: var(--ink);
  transition: color var(--m-fast) var(--ease);
}
.acc-btn:hover { color: var(--green-deep); }
.acc-mark {
  width: 30px; height: 30px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  background: var(--surface-alt); color: var(--navy);
  transition: transform var(--m-normal) var(--ease-emph), background var(--m-fast) var(--ease),
              color var(--m-fast) var(--ease);
}
.acc-item.is-open .acc-mark { transform: rotate(180deg); background: var(--green); color: #fff; }
.acc-panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows var(--m-normal) var(--ease-emph);
}
.acc-item.is-open .acc-panel { grid-template-rows: 1fr; }
.acc-panel > div { overflow: hidden; }
.acc-panel p { padding: 0 var(--s-2xl) var(--s-2xl); color: var(--text-muted); font-size: 0.96rem; }

/* ------------------------------------------------------- 22. testimonials */
.quote-rail {
  display: flex; gap: var(--s-xl);
  overflow-x: auto; scroll-snap-type: x mandatory;
  padding-bottom: var(--s-lg); margin-inline: calc(var(--gutter) * -1); padding-inline: var(--gutter);
  scrollbar-width: none;
}
.quote-rail::-webkit-scrollbar { display: none; }
.quote-card {
  scroll-snap-align: start;
  flex: 0 0 min(400px, 84vw);
  padding: var(--s-2xl);
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-xl); box-shadow: var(--sh-card);
  display: grid; gap: var(--s-lg); align-content: start;
}
.quote-mark { color: var(--accent, var(--orange)); width: 2em; height: 2em; opacity: 0.7; }
.quote-card blockquote { font-size: 1.02rem; line-height: 1.62; color: var(--text-dark); }
.quote-who { display: flex; align-items: center; gap: var(--s-md); padding-top: var(--s-md); border-top: 1px solid var(--line); }
.quote-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 800; color: #fff;
  background: var(--accent-grad, var(--g-brand));
}
.quote-name { font-family: var(--font-display); font-weight: 700; font-size: 0.94rem; color: var(--ink); }
.quote-meta { font-size: 0.8rem; color: var(--text-faint); }
.rail-nav { display: flex; gap: var(--s-sm); }
.rail-btn {
  width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--surface); border: 1px solid var(--line); color: var(--navy);
  box-shadow: var(--sh-card);
  transition: transform var(--m-instant) var(--ease-spring), background var(--m-fast) var(--ease),
              color var(--m-fast) var(--ease);
}
.rail-btn:hover { background: var(--navy); color: #fff; }
.rail-btn:active { transform: scale(0.92); }
.rail-btn.prev .icon { transform: rotate(180deg); }

/* ----------------------------------------------------- 23. app / download */
.app-section { position: relative; overflow: hidden; background: var(--g-brand); color: rgba(255, 255, 255, 0.78); }
.app-section h1, .app-section h2, .app-section h3, .app-section h4 { color: #fff; }
.app-section::before {
  content: ''; position: absolute; inset: -30% auto auto -10%;
  width: 560px; height: 560px; border-radius: 50%;
  background: radial-gradient(circle, rgba(47, 168, 79, 0.3), transparent 66%);
}
.app-section::after {
  content: ''; position: absolute; inset: auto -12% -40% auto;
  width: 520px; height: 520px; border-radius: 50%;
  background: radial-gradient(circle, rgba(245, 124, 32, 0.26), transparent 66%);
}
.app-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 0.85fr; gap: clamp(32px, 4vw, 64px); align-items: center; }
.app-features { display: grid; gap: var(--s-lg); list-style: none; padding: 0; margin-top: var(--s-2xl); }
.app-features li { display: flex; gap: var(--s-md); align-items: flex-start; }
.app-features .icon {
  width: 1.9em; height: 1.9em; padding: 0.4em; flex: none;
  border-radius: 10px; background: rgba(255, 255, 255, 0.12); color: #fff;
}
.app-features strong { display: block; color: #fff; font-family: var(--font-display); font-size: 0.98rem; }
.app-features span { font-size: 0.89rem; color: rgba(255, 255, 255, 0.66); }

.store-row { display: flex; gap: var(--s-md); flex-wrap: wrap; margin-top: var(--s-2xl); }
.store-badge {
  position: relative;
  display: flex; align-items: center; gap: 12px;
  padding: 12px 22px 12px 18px;
  border-radius: var(--r-md);
  background: rgba(255, 255, 255, 0.1);
  box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.26);
  color: #fff; cursor: pointer;
  backdrop-filter: blur(8px);
  transition: transform var(--m-instant) var(--ease-spring), background var(--m-fast) var(--ease),
              box-shadow var(--m-fast) var(--ease);
}
.store-badge:hover { background: rgba(255, 255, 255, 0.2); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.5); }
.store-badge:active { transform: scale(0.96); }
.store-badge .icon { width: 1.9em; height: 1.9em; }
.store-badge small { display: block; font-size: 0.68rem; letter-spacing: 0.06em; text-transform: uppercase; opacity: 0.72; }
.store-badge strong { font-family: var(--font-display); font-size: 1.02rem; letter-spacing: -0.02em; }
.store-badge .pill-soon {
  position: absolute; top: -10px; right: -8px;
  font-size: 0.64rem; padding: 4px 10px;
}

/* phone mockup */
.phone {
  position: relative; width: min(300px, 78vw); margin-inline: auto;
  aspect-ratio: 300 / 610;
  border-radius: 42px;
  background: #0b1020;
  padding: 11px;
  box-shadow: 0 40px 80px rgba(0, 0, 0, 0.45), inset 0 0 0 2px rgba(255, 255, 255, 0.14);
  animation: bob 7s var(--ease) infinite alternate;
}
.phone-screen {
  position: relative; width: 100%; height: 100%;
  border-radius: 32px; overflow: hidden;
  background: var(--canvas);
  display: grid; grid-template-rows: auto 1fr;
}
.phone-notch {
  position: absolute; top: 8px; left: 50%; transform: translateX(-50%);
  width: 92px; height: 22px; border-radius: var(--r-pill); background: #0b1020; z-index: 5;
}
.phone-top {
  background: var(--g-brand); padding: 34px 18px 20px; color: #fff;
}
.phone-hello { font-size: 0.72rem; opacity: 0.7; }
.phone-name { font-family: var(--font-display); font-weight: 800; font-size: 1.02rem; }
.phone-hero {
  margin-top: 14px; padding: 14px; border-radius: var(--r-md);
  background: rgba(255, 255, 255, 0.12); backdrop-filter: blur(6px);
}
.phone-hero small { font-size: 0.62rem; opacity: 0.68; letter-spacing: 0.08em; text-transform: uppercase; }
.phone-hero b { display: block; font-family: var(--font-display); font-size: 1.5rem; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; }
.phone-body { padding: 14px; display: grid; gap: 9px; align-content: start; }
.phone-row {
  display: flex; align-items: center; gap: 10px;
  padding: 11px; border-radius: var(--r-sm);
  background: #fff; box-shadow: var(--sh-card);
  animation: phone-row-in var(--m-slow) var(--ease-emph) backwards;
}
.phone-row:nth-child(1) { animation-delay: 0.15s; }
.phone-row:nth-child(2) { animation-delay: 0.3s; }
.phone-row:nth-child(3) { animation-delay: 0.45s; }
.phone-row:nth-child(4) { animation-delay: 0.6s; }
@keyframes phone-row-in { from { opacity: 0; transform: translateY(14px); } }
.phone-dot { width: 30px; height: 30px; border-radius: 9px; display: grid; place-items: center; flex: none; }
.phone-row-text { flex: 1; min-width: 0; }
.phone-row-text b { display: block; font-family: var(--font-display); font-size: 0.76rem; color: var(--ink); }
.phone-row-text span { font-size: 0.66rem; color: var(--text-faint); }
.phone-row-tag { font-size: 0.6rem; font-weight: 800; padding: 3px 8px; border-radius: var(--r-pill); }

/* --------------------------------------------------------- 24. pricing */
.price-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-xl); align-items: start; }
.price-card {
  position: relative;
  padding: clamp(26px, 3vw, 38px);
  border-radius: var(--r-xl);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--sh-card);
  display: grid; gap: var(--s-lg); align-content: start;
  transition: transform var(--m-fast) var(--ease-emph), box-shadow var(--m-fast) var(--ease);
}
.price-card:hover { transform: translateY(-6px); box-shadow: var(--sh-float); }
.price-card.is-featured {
  background: var(--g-brand); color: rgba(255, 255, 255, 0.78); border: 0;
  box-shadow: 0 24px 56px rgba(10, 27, 94, 0.32);
  overflow: hidden;
}
.price-card.is-featured::after {
  content: ''; position: absolute; inset: auto -60px -100px auto;
  width: 300px; height: 300px; border-radius: 50%;
  background: radial-gradient(circle, rgba(47, 168, 79, 0.32), transparent 68%);
}
.price-card.is-featured h3, .price-card.is-featured .price-amount { color: #fff; }
.price-badge { position: absolute; top: 18px; right: 18px; }
.price-amount {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(2.4rem, 1.9rem + 2.2vw, 3.2rem);
  letter-spacing: -0.045em; line-height: 1; color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.price-amount sup { font-size: 0.44em; font-weight: 700; top: -0.7em; }
.price-period { font-size: 0.9rem; color: var(--text-muted); }
.price-card.is-featured .price-period { color: rgba(255, 255, 255, 0.66); }
.price-list { display: grid; gap: 11px; list-style: none; padding: 0; position: relative; z-index: 1; }
.price-list li { display: flex; gap: 11px; font-size: 0.93rem; }
.price-list .icon { width: 1.2em; height: 1.2em; margin-top: 3px; flex: none; }
.price-yes .icon { color: var(--green); }
.price-card.is-featured .price-yes .icon { color: var(--green-bright); }
.price-no { color: var(--text-faint); }
.price-no .icon { color: var(--text-faint); }
.price-foot { position: relative; z-index: 1; display: grid; gap: var(--s-sm); }

.compare-table { width: 100%; border-collapse: collapse; font-size: 0.94rem; }
.compare-table th, .compare-table td { padding: 15px var(--s-lg); text-align: left; border-bottom: 1px solid var(--line); }
.compare-table thead th {
  font-family: var(--font-display); font-size: 0.78rem; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--text-faint);
}
.compare-table tbody tr { transition: background var(--m-fast) var(--ease); }
.compare-table tbody tr:hover { background: var(--surface-alt); }
.compare-table td:first-child { font-weight: 600; color: var(--ink); }
.table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--line); background: var(--surface); }

/* ------------------------------------------------------------- 25. forms */
.form { display: grid; gap: var(--s-lg); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-lg); }
.form label { font-family: var(--font-display); font-weight: 700; font-size: 0.86rem; color: var(--text-dark); }
.form label .req { color: var(--danger); }

.input, .form textarea, .form select {
  width: 100%;
  padding: 14px 16px;
  border-radius: var(--r-md);
  background: var(--surface);
  border: 1.5px solid var(--field-border);
  font-size: 0.98rem;
  transition: border-color var(--m-fast) var(--ease), box-shadow var(--m-fast) var(--ease),
              background var(--m-fast) var(--ease);
}
.form textarea { resize: vertical; min-height: 132px; }
.input:hover, .form textarea:hover, .form select:hover { border-color: var(--text-faint); }
.input:focus, .form textarea:focus, .form select:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 4px rgba(47, 168, 79, 0.14);
}
.input::placeholder, .form textarea::placeholder { color: var(--text-faint); }
.input[aria-invalid='true'], .form textarea[aria-invalid='true'] {
  border-color: var(--danger); box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.1);
}
.field-error { font-size: 0.8rem; color: var(--danger); font-weight: 600; min-height: 1.1em; }

.consent { display: flex; gap: 11px; align-items: flex-start; font-size: 0.87rem; color: var(--text-muted); font-weight: 500; }
.consent input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--green); flex: none; }
.consent a { color: var(--navy); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }

.form-status { font-size: 0.9rem; font-weight: 600; min-height: 1.2em; }
.form-status.is-ok { color: var(--green-deep); }
.form-status.is-err { color: var(--danger); }

.btn.is-busy { pointer-events: none; opacity: 0.75; }
.btn.is-busy span::after {
  content: ''; display: inline-block; width: 1em; height: 1em; margin-left: 8px;
  vertical-align: -0.15em;
  border: 2px solid currentColor; border-top-color: transparent; border-radius: 50%;
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* honeypot — kept out of the tab order and off-screen, not display:none,
   because some bots skip fields that are display:none */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.contact-card {
  display: flex; gap: var(--s-lg); align-items: flex-start;
  padding: var(--s-xl);
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--sh-card);
  transition: transform var(--m-fast) var(--ease-emph), box-shadow var(--m-fast) var(--ease);
}
.contact-card:hover { transform: translateY(-4px); box-shadow: var(--sh-raised); }
.contact-card .icon {
  width: 2.6em; height: 2.6em; padding: 0.62em; flex: none;
  border-radius: var(--r-md); background: var(--accent-soft, var(--success-soft)); color: var(--accent, var(--green));
}
.contact-card .h4 { margin-bottom: 3px; }
.contact-card a { color: var(--navy); font-weight: 600; }
.contact-card a:hover { text-decoration: underline; }
.contact-card p { font-size: 0.93rem; color: var(--text-muted); }

/* -------------------------------------------------------- 26. legal prose */
.prose { max-width: 76ch; }
.prose h2 {
  font-size: clamp(1.28rem, 1.1rem + 0.7vw, 1.6rem);
  margin-top: var(--s-3xl); margin-bottom: var(--s-md);
  scroll-margin-top: calc(var(--header-h) + 20px);
}
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.08rem; margin-top: var(--s-2xl); margin-bottom: var(--s-sm); }
.prose p, .prose li { color: var(--text-dark); font-size: 1rem; line-height: 1.72; }
.prose p + p { margin-top: var(--s-md); }
.prose ul, .prose ol { margin: var(--s-md) 0; padding-left: 22px; display: grid; gap: 9px; }
.prose li::marker { color: var(--green); font-weight: 700; }
.prose strong { color: var(--ink); font-weight: 700; }
.prose a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.prose table { width: 100%; border-collapse: collapse; margin: var(--s-lg) 0; font-size: 0.94rem; }
.prose th, .prose td { padding: 12px var(--s-lg); border: 1px solid var(--line); text-align: left; }
.prose th { background: var(--surface-alt); font-family: var(--font-display); font-weight: 700; }

.legal-layout { display: grid; grid-template-columns: 250px 1fr; gap: clamp(28px, 4vw, 60px); align-items: start; }
.legal-toc {
  position: sticky; top: calc(var(--header-h) + 24px);
  padding: var(--s-xl);
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--sh-card);
}
.legal-toc-label { font-size: 0.76rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-faint); margin-bottom: var(--s-md); }
.legal-toc ol { list-style: none; padding: 0; display: grid; gap: 3px; counter-reset: toc; }
.legal-toc a {
  display: block; padding: 7px 10px; border-radius: var(--r-sm);
  font-size: 0.86rem; font-weight: 600; color: var(--text-muted);
  transition: background var(--m-fast) var(--ease), color var(--m-fast) var(--ease);
}
.legal-toc a:hover, .legal-toc a.is-current { background: var(--surface-alt); color: var(--navy); }

.legal-meta {
  display: flex; gap: var(--s-lg); flex-wrap: wrap;
  padding: var(--s-lg) var(--s-xl); margin-bottom: var(--s-2xl);
  background: var(--surface-alt); border-radius: var(--r-md);
  font-size: 0.86rem; color: var(--text-muted);
}
.legal-meta strong { color: var(--ink); }

/* ----------------------------------------------------------- 27. CTA band */
.cta-band {
  position: relative; overflow: hidden;
  border-radius: var(--r-xl);
  padding: clamp(34px, 4.5vw, 64px);
  background: var(--g-brand); color: rgba(255, 255, 255, 0.78);
  box-shadow: 0 24px 56px rgba(10, 27, 94, 0.3);
  display: grid; grid-template-columns: 1.4fr auto; gap: var(--s-2xl); align-items: center;
}
.cta-band::after {
  content: ''; position: absolute; inset: auto -80px -140px auto;
  width: 380px; height: 380px; border-radius: 50%;
  background: radial-gradient(circle, rgba(47, 168, 79, 0.32), transparent 68%);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; }
.cta-actions { display: flex; gap: var(--s-md); flex-wrap: wrap; }

/* ------------------------------------------------------------ 28. footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.62);
  padding-block: clamp(48px, 6vw, 80px) var(--s-2xl);
  font-size: 0.93rem;
}
.site-footer a { transition: color var(--m-fast) var(--ease); }
.site-footer a:hover { color: #fff; }
.footer-top {
  display: grid; grid-template-columns: 1.25fr 2fr;
  gap: clamp(32px, 4vw, 64px);
  padding-bottom: var(--s-3xl);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.logo-on-dark .logo-word { color: #fff; }
.footer-blurb { margin: var(--s-lg) 0; max-width: 40ch; line-height: 1.7; }
.footer-contact { list-style: none; padding: 0; display: grid; gap: 11px; }
.footer-contact li { display: flex; gap: 11px; align-items: flex-start; }
.footer-contact .icon { color: var(--green-bright); margin-top: 3px; flex: none; }
.footer-cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s-xl); }
.footer-col h3 {
  font-size: 0.76rem; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--orange-soft); margin-bottom: var(--s-lg);
}
.footer-col ul { list-style: none; padding: 0; display: grid; gap: 10px; }

.footer-disclaimer {
  display: flex; gap: var(--s-lg);
  margin-top: var(--s-2xl); padding: var(--s-xl);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r-lg);
  font-size: 0.86rem; line-height: 1.65;
}
.footer-disclaimer-icon { color: var(--amber); width: 1.5em; height: 1.5em; margin-top: 2px; flex: none; }
.footer-disclaimer strong { color: #fff; }
.footer-disclaimer a { color: var(--green-bright); text-decoration: underline; text-underline-offset: 2px; }

.footer-statutory {
  list-style: none; padding: 0; margin-top: var(--s-lg);
  display: flex; flex-wrap: wrap; gap: var(--s-md) var(--s-2xl);
  font-size: 0.82rem;
}
.footer-statutory li { display: flex; gap: 7px; }
.footer-statutory span { color: rgba(255, 255, 255, 0.45); }
.footer-statutory strong { color: rgba(255, 255, 255, 0.8); font-weight: 600; }

.footer-bottom {
  margin-top: var(--s-2xl); padding-top: var(--s-xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex; justify-content: space-between; gap: var(--s-lg); flex-wrap: wrap;
  font-size: 0.84rem;
}
.footer-legal-links { list-style: none; padding: 0; display: flex; gap: var(--s-xl); flex-wrap: wrap; }

/* ------------------------------------------------------- 28b. expert bits */
.step-num {
  font-family: var(--font-display); font-weight: 800; font-size: 2.2rem;
  line-height: 1; color: var(--accent, var(--green)); opacity: 0.16;
}

.payout-facts { display: grid; gap: var(--s-md); }
.payout-facts > div {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: var(--s-md); padding-bottom: var(--s-md);
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}
.payout-facts > div:last-child { border-bottom: 0; padding-bottom: 0; }
.payout-facts dt { font-size: 0.86rem; color: rgba(255, 255, 255, 0.82); }
.payout-facts dd {
  margin: 0; text-align: right;
  font-family: var(--font-display); font-weight: 700; font-size: 0.92rem; color: #fff;
}

/* the "what we handle / what you handle" split on the expert page */
.duo { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-xl); }
.duo .card { height: 100%; }

/* expert application form sits on a tinted panel so it reads as a distinct step */
.apply-panel {
  padding: clamp(24px, 3vw, 40px);
  border-radius: var(--r-xl);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--sh-raised);
}

@media (max-width: 860px) {
  .duo { grid-template-columns: 1fr; }
}

/* -------------------------------------------------- 29. toast & to-top */
.toast-host {
  position: fixed; left: 50%; bottom: 26px; z-index: 400;
  transform: translateX(-50%);
  display: grid; gap: var(--s-sm); width: min(440px, calc(100vw - 32px));
  pointer-events: none;
}
.toast {
  display: flex; align-items: center; gap: var(--s-md);
  padding: 15px 20px;
  border-radius: var(--r-md);
  background: var(--ink); color: #fff;
  box-shadow: 0 18px 40px rgba(10, 27, 94, 0.35);
  font-size: 0.93rem; font-weight: 600;
  pointer-events: auto;
  animation: toast-in var(--m-normal) var(--ease-spring);
}
.toast.is-out { animation: toast-out var(--m-fast) var(--ease) forwards; }
.toast .icon { flex: none; color: var(--green-bright); width: 1.4em; height: 1.4em; }
.toast-soon .icon { color: var(--amber); }
@keyframes toast-in { from { opacity: 0; transform: translateY(22px) scale(0.95); } }
@keyframes toast-out { to { opacity: 0; transform: translateY(14px) scale(0.96); } }

.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 150;
  width: 46px; height: 46px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--navy); color: #fff;
  box-shadow: var(--sh-float);
  opacity: 0; visibility: hidden; transform: translateY(14px);
  transition: opacity var(--m-fast) var(--ease), transform var(--m-fast) var(--ease-spring),
              visibility var(--m-fast), background var(--m-fast) var(--ease);
}
.to-top .icon { transform: rotate(-90deg); }
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--green); }
.to-top:active { transform: scale(0.9); }

/* ------------------------------------------------------------ 30. utility */
.mt-lg { margin-top: var(--s-lg); }
.mt-xl { margin-top: var(--s-xl); }
.mt-2xl { margin-top: var(--s-2xl); }
.mt-3xl { margin-top: var(--s-3xl); }
.center { text-align: center; }
.hr { height: 1px; background: var(--line); border: 0; margin-block: var(--s-2xl); }
.divider-dark { height: 1px; background: rgba(255, 255, 255, 0.12); border: 0; }
.nowrap { white-space: nowrap; }

/* checklist used across service pages */
.check-list { list-style: none; padding: 0; display: grid; gap: var(--s-md); }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .icon { color: var(--accent, var(--green)); width: 1.3em; height: 1.3em; margin-top: 2px; flex: none; }

/* two-column feature split used on service pages */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 4vw, 60px); align-items: center; }
.split-reverse > *:first-child { order: 2; }

/* small labelled fact strip */
.facts { display: flex; flex-wrap: wrap; gap: var(--s-lg) var(--s-2xl); }
.facts div { display: grid; gap: 2px; }
.facts dt { font-size: 0.74rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-faint); font-weight: 700; }
.facts dd { font-family: var(--font-display); font-weight: 800; color: var(--ink); font-size: 1.06rem; margin: 0; }

/* -------------------------------------------------------- 31. responsive */
@media (min-width: 1320px) {
  .header-phone { display: inline-flex; }
}

@media (max-width: 1150px) {
  :root { --header-h: 68px; }
  .header-nav { display: none; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 460px; margin-inline: auto; }
  .float-a { left: 0; }
  .float-b, .float-c { right: 0; }
  .app-inner { grid-template-columns: 1fr; }
  .app-inner > *:last-child { order: -1; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .stat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-cols { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-2xl); }
}

@media (min-width: 1151px) {
  .drawer-toggle { display: none; }
}

@media (max-width: 860px) {
  .grid-3 { grid-template-columns: 1fr; }
  .split, .split-reverse { grid-template-columns: 1fr; }
  .split-reverse > *:first-child { order: 0; }
  .tool { grid-template-columns: 1fr; }
  .tool-output { border-left: 0; border-top: 1px solid var(--line); }
  .price-grid { grid-template-columns: 1fr; }
  .cta-band { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .calendar-months { grid-template-columns: repeat(6, minmax(0, 1fr)); }
}

@media (max-width: 560px) {
  /* The header CTA and the third floating chip both need more room than a
     phone has. The drawer carries the same CTA, so nothing is lost. */
  .header-actions .btn { display: none; }
  .float-c { display: none; }
}

@media (max-width: 640px) {
  :root { --gutter: 18px; }
  body { font-size: 16px; }
  .grid-2, .grid-4, .stat-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-cols { grid-template-columns: 1fr; gap: var(--s-2xl); }
  .card, .service-card, .price-card { padding: var(--s-xl); }
  .btn { padding: 13px 22px; }
  .float-card { font-size: 0.78rem; padding: 10px 13px; }
  .logo-word { font-size: 1.18rem; }
  .logo-mark { width: 32px; height: 34px; }
  .footer-bottom { flex-direction: column; }
  .quote-card { flex-basis: 88vw; }
  .timeline { padding-left: 40px; }
  .timeline-dot { left: -40px; width: 32px; height: 32px; }
}

/* --------------------------------------------------- 32. reduced motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .js [data-reveal] { opacity: 1 !important; transform: none !important; }
  .hero-blob, .phone, .float-card { animation: none !important; }
}

/* ------------------------------------------------------------- 33. print */
@media print {
  .site-header, .drawer, .to-top, .toast-host, .cta-band, .app-section { display: none !important; }
  body { padding-top: 0; background: #fff; }
  .site-footer { background: #fff; color: #000; }
  .site-footer * { color: #000 !important; }
  a[href^='http']::after { content: ' (' attr(href) ')'; font-size: 0.8em; }
}