/* ================= TOKENS ================= */
:root{
  --navy:#0A1628; --navy-2:#0F1F36; --navy-3:#162A47;
  --ink:#0F172A; --ink-2:#475569; --ink-3:#7C8AA0;
  --bg:#F6F8FB; --card:#FFFFFF; --line:#E6EBF2; --line-2:#EEF2F7;
  --brand:#10B981; --brand-600:#059669; --brand-700:#047857; --brand-50:#ECFDF5; --brand-100:#D1FAE5;
  --teal:#14B8A6; --cyan:#22D3EE;
  --amber:#F59E0B; --amber-50:#FFFBEB; --amber-100:#FEF3C7; --amber-700:#B45309;
  --red:#EF4444; --red-50:#FEF2F2; --red-700:#B91C1C;
  --violet:#8B5CF6; --violet-50:#F5F3FF; --violet-100:#EDE9FE; --violet-700:#6D28D9;
  --sky:#0EA5E9; --sky-50:#F0F9FF; --sky-100:#E0F2FE; --sky-700:#0369A1;
  --orange:#F97316; --orange-50:#FFF7ED; --orange-100:#FFEDD5; --orange-700:#C2410C;
  --rose:#F43F5E; --rose-50:#FFF1F2; --rose-100:#FFE4E6; --rose-700:#BE123C;
  --font:"Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --max:1180px;
  --r-s:10px; --r-m:16px; --r-l:24px; --r-xl:32px;
  --sh-1:0 1px 2px rgba(15,23,42,.04), 0 1px 3px rgba(15,23,42,.06);
  --sh-2:0 10px 30px -10px rgba(15,23,42,.12), 0 2px 6px rgba(15,23,42,.04);
  --sh-3:0 30px 80px -24px rgba(10,22,40,.45), 0 12px 32px -16px rgba(10,22,40,.25);
  --grad:linear-gradient(135deg,#10B981 0%,#14B8A6 55%,#22D3EE 100%);
  --focus:0 0 0 3px #fff, 0 0 0 6px var(--brand);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--card);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:var(--brand-700);text-decoration:none}
a:hover{color:var(--brand-600)}
:focus-visible{outline:none;box-shadow:var(--focus);border-radius:var(--r-s)}
img,svg{max-width:100%;display:block}
h1,h2,h3,h4{margin:0 0 .5em;font-weight:800;letter-spacing:-.025em;line-height:1.1;color:var(--ink)}
h1{font-size:clamp(2.5rem,5.4vw,4.25rem);letter-spacing:-.035em}
h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}
h3{font-size:1.35rem;letter-spacing:-.015em;font-weight:700}
h4{font-size:1.05rem;font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.prose{max-width:66ch}
.prose p,.prose li{font-size:1.08rem;line-height:1.7;color:#283548}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em}
.prose li::marker{color:var(--brand-600);font-weight:700}
.prose h3{margin-top:1.8em}
.src{font-size:.82rem;color:var(--ink-3);line-height:1.55}
.src a{color:var(--ink-2);text-decoration:underline;text-underline-offset:2px}
section{padding:96px 0}
section.soft{background:var(--bg)}
.sec-head{max-width:720px;margin-bottom:48px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head p{color:var(--ink-2);font-size:1.12rem;line-height:1.6}
.pill{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;padding:6px 12px;border-radius:999px;background:var(--brand-50);color:var(--brand-700);border:1px solid var(--brand-100);margin-bottom:18px;letter-spacing:0}
.pill i{width:7px;height:7px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 4px rgba(16,185,129,.18)}
.skip{position:absolute;left:-999px;top:8px;background:var(--brand-700);color:#fff;padding:10px 14px;border-radius:var(--r-s);z-index:100}
.skip:focus{left:8px}

/* ================= BUTTONS ================= */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:.98rem;padding:15px 24px;border-radius:999px;border:0;cursor:pointer;font-family:var(--font);line-height:1;white-space:nowrap;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--grad);color:#062A20;box-shadow:0 8px 24px -8px rgba(16,185,129,.6)}
.btn-primary:hover{box-shadow:0 12px 32px -8px rgba(16,185,129,.75);color:#062A20;transform:translateY(-1px)}
.btn-light{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:var(--sh-1)}
.btn-light:hover{border-color:#CBD5E1;color:var(--ink);transform:translateY(-1px)}
.btn-ghost-dark{background:rgba(255,255,255,.06);color:#fff;border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(8px)}
.btn-ghost-dark:hover{background:rgba(255,255,255,.12);color:#fff}
.btn svg{width:18px;height:18px}

/* ================= IMAGE PLACEHOLDERS ================= */
.ph{position:relative;border-radius:var(--r-m);overflow:hidden;display:flex;align-items:center;justify-content:center;text-align:center;color:var(--ink-2);padding:24px;
  background:linear-gradient(135deg,#EEF4FF 0%,#ECFDF5 50%,#F0FDFA 100%);border:1px solid var(--line)}
.ph::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(15,23,42,.08) 1px,transparent 1px);background-size:18px 18px;opacity:.6}
.ph > div{position:relative}
.ph .ph-ic{width:44px;height:44px;margin:0 auto 12px;border-radius:12px;background:#fff;display:flex;align-items:center;justify-content:center;box-shadow:var(--sh-1);color:var(--brand-600)}
.ph .ph-ic svg{width:22px;height:22px}
.ph .ph-tag{font-size:.72rem;font-weight:700;color:var(--brand-700);background:#fff;padding:4px 10px;border-radius:999px;display:inline-block;margin-bottom:8px;border:1px solid var(--brand-100)}
.ph .ph-size{font-weight:800;font-size:1.2rem;color:var(--ink);margin:0 0 4px;letter-spacing:-.02em}
.ph .ph-note{font-size:.8rem;line-height:1.45;max-width:38ch;margin:0 auto;color:var(--ink-2)}
.ph code{font-size:.78em;background:#fff;padding:1px 5px;border-radius:4px}
.ph.r-3x2{aspect-ratio:3/2}.ph.r-1x1{aspect-ratio:1/1}.ph.r-4x3{aspect-ratio:4/3}
figure{margin:0}
figcaption{font-size:.86rem;color:var(--ink-2);margin-top:12px;line-height:1.5}

/* ================= HEADER ================= */
.topbar{background:var(--navy);color:#AAB8CC;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap;align-items:center}
.topbar a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.topbar .upd{display:inline-flex;align-items:center;gap:8px}
.topbar .upd i{width:7px;height:7px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 3px rgba(16,185,129,.25)}
header.site{position:sticky;top:0;z-index:60;background:rgba(10,22,40,.72);backdrop-filter:saturate(1.6) blur(14px);-webkit-backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid rgba(255,255,255,.08)}
header.site.light{background:rgba(255,255,255,.8);border-bottom-color:var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:#fff}
.logo svg{width:38px;height:38px;flex:none}
.logo b{font-weight:800;font-size:1.25rem;letter-spacing:-.02em;line-height:1;white-space:nowrap;display:block}
.logo span{display:block;font-size:.7rem;color:#8EA0B8;font-weight:500;margin-top:4px;white-space:nowrap}
header.site.light .logo{color:var(--ink)} header.site.light .logo span{color:var(--ink-3)}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:2px}
nav.main a{display:block;padding:9px 12px;border-radius:999px;color:#C9D4E3;text-decoration:none;font-weight:600;font-size:.9rem;white-space:nowrap;transition:background .15s,color .15s}
nav.main a:hover{background:rgba(255,255,255,.08);color:#fff}
nav.main a[aria-current]{background:rgba(16,185,129,.16);color:#6EE7B7}
header.site.light nav.main a{color:var(--ink-2)}
header.site.light nav.main a:hover{background:var(--bg);color:var(--ink)}
header.site.light nav.main a[aria-current]{background:var(--brand-50);color:var(--brand-700)}
.cta-head{padding:11px 18px;font-size:.9rem}
.nav-toggle{display:none;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:9px 14px;cursor:pointer;color:#fff;font:inherit;font-weight:600;font-size:.9rem}
header.site.light .nav-toggle{background:var(--bg);border-color:var(--line);color:var(--ink)}
@media (max-width:1040px){.cta-head{display:none}}
@media (max-width:980px){
  nav.main{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.08);padding:10px 24px 16px}
  header.site.light nav.main{background:#fff;border-bottom-color:var(--line)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;gap:0}
  nav.main a{padding:12px 12px;border-radius:var(--r-s)}
  .nav-toggle{display:inline-flex;align-items:center;gap:8px}
}


/* dropdown */
nav.main li{position:relative}
.sub-btn{display:inline-flex;align-items:center;gap:5px;font:inherit;font-weight:600;font-size:.9rem;padding:9px 12px;border-radius:999px;border:0;background:transparent;color:#C9D4E3;cursor:pointer;white-space:nowrap;transition:background .15s,color .15s}
.sub-btn svg{width:14px;height:14px;transition:transform .2s}
.sub-btn:hover,.has-sub:focus-within .sub-btn,.sub-btn[aria-expanded=true]{background:rgba(255,255,255,.08);color:#fff}
header.site.light .sub-btn{color:var(--ink-2)}
header.site.light .sub-btn:hover,header.site.light .has-sub:focus-within .sub-btn,header.site.light .sub-btn[aria-expanded=true]{background:var(--bg);color:var(--ink)}
.sub-btn[aria-expanded=true] svg{transform:rotate(180deg)}
.sub{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,6px);min-width:320px;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:var(--r-l);box-shadow:0 24px 60px -20px rgba(10,22,40,.35);padding:8px;list-style:none;margin:0;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .18s,transform .18s,visibility .18s;flex-direction:column;gap:0}
.sub::before{content:"";position:absolute;top:-10px;left:0;right:0;height:10px}
.has-sub:hover .sub,.has-sub:focus-within .sub,.sub-btn[aria-expanded=true]+.sub{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
.sub li{margin:0}
.sub a{display:block;padding:10px 12px;border-radius:var(--r-s);color:var(--ink)!important;white-space:normal;font-weight:600;background:none}
.sub a:hover{background:var(--bg)!important}
.sub a b{display:block;font-weight:700;font-size:.92rem}
.sub a span{display:block;font-size:.78rem;color:var(--ink-3);font-weight:500;margin-top:1px}
.sub li.all a{color:var(--brand-700)!important;font-size:.86rem;border-top:1px solid var(--line-2);border-radius:0;margin-top:4px;padding-top:12px}
@media (max-width:980px){
  nav.main .has-sub .sub{position:static!important;transform:none!important;opacity:1;visibility:visible;pointer-events:auto;box-shadow:none;border:0;border-left:2px solid rgba(255,255,255,.15);border-radius:0;margin:2px 0 8px 14px;padding:0 0 0 8px;min-width:0;background:transparent;display:none}
  header.site.light nav.main .has-sub .sub{border-left-color:var(--line)}
  nav.main .sub-btn[aria-expanded=true]+.sub{display:block}
  .sub-btn{width:100%;justify-content:space-between;padding:12px;border-radius:var(--r-s)}
  nav.main .sub a{padding:8px 10px;background:none!important}
  nav.main .sub a b{color:#fff}
  nav.main .sub a span{color:#8EA0B8}
  header.site.light nav.main .sub a b{color:var(--ink)}
  header.site.light nav.main .sub a span{color:var(--ink-3)}
  nav.main .sub li.all a{border-top-color:rgba(255,255,255,.1);color:#6EE7B7!important}
  header.site.light nav.main .sub li.all a{border-top-color:var(--line);color:var(--brand-700)!important}
}

/* ================= HERO ================= */
.hero{position:relative;background:var(--navy);color:#fff;padding:88px 0 120px;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;
  background:
    radial-gradient(900px 520px at 12% 0%, rgba(16,185,129,.32), transparent 60%),
    radial-gradient(700px 480px at 88% 15%, rgba(34,211,238,.22), transparent 60%),
    radial-gradient(600px 400px at 60% 110%, rgba(20,184,166,.18), transparent 60%),
    var(--navy)}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;opacity:.35;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:56px 56px;
  -webkit-mask-image:radial-gradient(ellipse at 50% 30%,#000 30%,transparent 75%);mask-image:radial-gradient(ellipse at 50% 30%,#000 30%,transparent 75%)}
.hero .wrap{display:grid;grid-template-columns:1.02fr .98fr;gap:64px;align-items:center}
.hero .pill{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:#A7F3D0}
.hero h1{color:#fff;margin-bottom:.45em}
.hero h1 .g{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lede{font-size:1.2rem;line-height:1.6;color:#B6C3D6;max-width:36em;font-weight:500}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.trust{display:flex;flex-wrap:wrap;gap:16px 36px;margin:40px 0 0;padding:28px 0 0;list-style:none;font-size:.86rem;color:#AAB8CC;border-top:1px solid rgba(255,255,255,.1)}
.trust b{white-space:nowrap}
.trust li{display:flex;gap:10px;align-items:center}
.trust svg{width:18px;height:18px;color:#34D399;flex:none}
.trust b{color:#fff;font-weight:700;display:block;font-size:.92rem}
@media (max-width:980px){.hero .wrap{grid-template-columns:1fr;gap:48px}.hero{padding:64px 0 96px}.hero-deco{display:none}}
@media (max-width:640px){.topbar .wrap > div:first-child{display:none}.topbar .wrap{justify-content:center}}

/* Hero page-load reveal */
.rv{opacity:0;transform:translateY(14px);animation:rv .7s cubic-bezier(.2,.7,.2,1) forwards}
.rv.d1{animation-delay:.05s}.rv.d2{animation-delay:.15s}.rv.d3{animation-delay:.25s}.rv.d4{animation-delay:.35s}.rv.d5{animation-delay:.3s}
@keyframes rv{to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.rv{opacity:1;transform:none;animation:none}*{transition:none!important}}

/* ================= CALCULATOR ================= */
.calc{position:relative;background:#fff;color:var(--ink);border-radius:var(--r-xl);box-shadow:var(--sh-3);overflow:hidden}
.calc::before{content:"";position:absolute;inset:0;border-radius:inherit;padding:1px;background:linear-gradient(160deg,rgba(255,255,255,.9),rgba(255,255,255,.2));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.calc-head{padding:22px 28px 0;display:flex;justify-content:space-between;align-items:center;gap:12px}
.calc-head h2{font-size:1.15rem;margin:0;letter-spacing:-.02em}
.calc-head span{font-size:.76rem;color:var(--ink-3);font-weight:600;background:var(--bg);padding:5px 10px;border-radius:999px}
.calc-body{padding:18px 28px 24px}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;align-items:baseline;font-size:.86rem;font-weight:600;color:var(--ink-2);margin-bottom:10px}
.field label output{font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums;font-size:1.05rem;letter-spacing:-.01em}
.range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:linear-gradient(90deg,var(--brand) var(--p,30%),#E6EBF2 var(--p,30%));outline:none;cursor:pointer}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid var(--brand);box-shadow:0 2px 8px rgba(16,185,129,.4);cursor:grab}
.range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid var(--brand);box-shadow:0 2px 8px rgba(16,185,129,.4);cursor:grab}
.range:focus-visible{box-shadow:0 0 0 4px rgba(16,185,129,.25)}
.hint{font-size:.76rem;color:var(--ink-3);margin:8px 0 0}
.seg{display:grid;grid-template-columns:repeat(6,1fr);gap:4px;background:var(--bg);padding:4px;border-radius:14px}
.seg button{font:inherit;font-size:.84rem;font-weight:700;padding:9px 0;border:0;background:transparent;border-radius:10px;cursor:pointer;color:var(--ink-2);transition:all .15s}
.seg button:hover{color:var(--ink)}
.seg button[aria-pressed=true]{background:#fff;color:var(--ink);box-shadow:var(--sh-1)}
.results{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:10px;margin:22px 0 16px}
.res{background:var(--bg);border-radius:var(--r-m);padding:14px 16px}
.res small{display:block;font-size:.74rem;font-weight:600;color:var(--ink-3);margin-bottom:4px}
.res strong{font-size:1.45rem;font-weight:800;font-variant-numeric:tabular-nums;letter-spacing:-.03em;line-height:1}
.res.main{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.res.main::after{content:"";position:absolute;right:-30px;top:-30px;width:110px;height:110px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.55),transparent 70%)}
.res.main small{color:#8EA0B8}
.res.main strong{font-size:1.75rem;color:#fff}
.calc-bar svg{width:100%;height:14px}
.legend{display:flex;gap:18px;font-size:.8rem;color:var(--ink-2);margin:10px 0 14px;font-weight:600}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:7px;vertical-align:-1px}
.vs{display:flex;justify-content:space-between;gap:12px;align-items:center;background:var(--amber-50);border:1px solid var(--amber-100);border-radius:var(--r-m);padding:12px 16px;font-size:.86rem;color:var(--ink-2)}
.vs strong{color:var(--amber-700);font-variant-numeric:tabular-nums;font-weight:800;white-space:nowrap}
.calc-foot{padding:14px 28px 20px;font-size:.74rem;color:var(--ink-3);border-top:1px solid var(--line-2);line-height:1.5;background:#FBFCFD}
@media (max-width:520px){.results{grid-template-columns:1fr 1fr}.res.main{grid-column:1/-1}.seg{grid-template-columns:repeat(3,1fr)}.calc-head,.calc-body,.calc-foot{padding-left:20px;padding-right:20px}}

/* ================= STATS BENTO ================= */
.stats-sec{margin-top:-64px;position:relative;z-index:2;padding:0 0 96px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:28px 26px 22px;box-shadow:var(--sh-2);position:relative;overflow:hidden}
.stat::before{content:"";position:absolute;left:26px;top:0;width:44px;height:4px;border-radius:0 0 6px 6px;background:var(--grad)}
.stat.amber::before{background:linear-gradient(90deg,#F59E0B,#FBBF24)}
.stat b{display:block;font-size:2.6rem;font-weight:800;letter-spacing:-.045em;line-height:1;margin:6px 0 10px;font-variant-numeric:tabular-nums}
.stat span{display:block;font-size:.9rem;color:var(--ink-2);line-height:1.45}
.stat em{display:inline-block;font-style:normal;font-size:.72rem;font-weight:600;color:var(--ink-3);margin-top:14px;background:var(--bg);padding:4px 9px;border-radius:999px}
@media (max-width:980px){.stats{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.stats{grid-template-columns:1fr}}

/* ================= CHART ================= */
.chart-wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
@media (max-width:980px){.chart-wrap{grid-template-columns:1fr}}
.chart{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:26px 26px 18px;box-shadow:var(--sh-2)}
.chart h3{font-size:1.05rem;margin:0 0 2px}
.chart .sub{font-size:.84rem;color:var(--ink-2);margin:0 0 14px}
.chart svg{width:100%;height:auto;overflow:visible}
.tt{position:absolute;pointer-events:none;background:var(--navy);color:#fff;font-size:.78rem;padding:8px 11px;border-radius:10px;transform:translate(-50%,-118%);white-space:nowrap;opacity:0;transition:opacity .12s;box-shadow:var(--sh-2);font-weight:500;line-height:1.4}
.tt.show{opacity:1}
.chart-tbl{width:100%;border-collapse:collapse;font-size:.84rem;margin-top:10px}
.chart-tbl th,.chart-tbl td{text-align:right;padding:6px 6px;border-bottom:1px solid var(--line-2);font-variant-numeric:tabular-nums}
.chart-tbl th:first-child,.chart-tbl td:first-child{text-align:left}
details.tbl summary{cursor:pointer;font-size:.84rem;color:var(--brand-700);font-weight:700;margin-top:10px;list-style:none;display:inline-flex;align-items:center;gap:6px}
details.tbl summary::-webkit-details-marker{display:none}
details.tbl summary::before{content:"+";font-weight:800;width:18px;height:18px;border-radius:6px;background:var(--brand-50);display:inline-flex;align-items:center;justify-content:center;font-size:.9rem}
details.tbl[open] summary::before{content:"–"}

/* ================= SPLIT ================= */
.split{display:grid;grid-template-columns:minmax(0,1fr) 440px;gap:64px;align-items:start}
.split .sticky{position:sticky;top:100px}
@media (max-width:980px){.split{grid-template-columns:1fr}.split .sticky{position:static}}
.callout{position:relative;background:var(--brand-50);border:1px solid var(--brand-100);padding:18px 20px 18px 56px;border-radius:var(--r-m);margin:1.5em 0}
.callout::before{content:"";position:absolute;left:18px;top:18px;width:26px;height:26px;border-radius:8px;background:var(--brand);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 2 4 5v6c0 5 3.4 8.6 8 10 4.6-1.4 8-5 8-10V5z'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center/18px no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 2 4 5v6c0 5 3.4 8.6 8 10 4.6-1.4 8-5 8-10V5z'/%3E%3Cpath d='m9 12 2 2 4-4'/%3E%3C/svg%3E") center/18px no-repeat}
.callout p{margin:0;font-size:.98rem!important;line-height:1.55!important;color:var(--ink)!important}
.callout.warn{background:var(--amber-50);border-color:var(--amber-100)}
.callout.warn::before{background:var(--amber);-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3 2 20h20z'/%3E%3Cpath d='M12 10v5M12 18v.5'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3 2 20h20z'/%3E%3Cpath d='M12 10v5M12 18v.5'/%3E%3C/svg%3E")}

/* ================= STEPS ================= */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;position:relative}
.steps::before{content:"";position:absolute;left:8%;right:8%;top:38px;height:2px;background:linear-gradient(90deg,var(--brand-100),var(--brand),var(--teal),var(--brand-100));opacity:.7}
.step{position:relative;padding:0 6px}
.step .ic{width:76px;height:76px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh-2);display:flex;align-items:center;justify-content:center;margin-bottom:22px;position:relative}
.step .ic svg{width:34px;height:34px;color:var(--brand-600)}
.step .ic b{position:absolute;top:-10px;right:-10px;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-size:.78rem;font-weight:800;display:flex;align-items:center;justify-content:center;border:3px solid #fff}
.step h3{font-size:1.05rem;margin-bottom:8px}
.step p{font-size:.92rem;color:var(--ink-2);margin:0;line-height:1.55}
@media (max-width:1000px){.steps{grid-template-columns:repeat(3,1fr);gap:28px}.steps::before{display:none}}
@media (max-width:640px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:440px){.steps{grid-template-columns:1fr}}

/* ================= TABLES ================= */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-l);background:#fff;box-shadow:var(--sh-2)}
table.data{width:100%;border-collapse:collapse;font-size:.94rem;min-width:640px}
table.data caption{text-align:left;padding:20px 22px 8px;font-weight:800;font-size:1.05rem;caption-side:top;letter-spacing:-.01em}
table.data th,table.data td{padding:14px 18px;text-align:left;border-top:1px solid var(--line-2);vertical-align:middle}
table.data thead th{background:var(--bg);font-size:.76rem;font-weight:700;color:var(--ink-3);border-top:none;letter-spacing:.01em}
table.data tbody th{font-weight:700;color:var(--ink)}
table.data td.num{font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600}
table.data tbody tr:hover{background:#FAFBFD}
.tag{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.86rem;padding:5px 11px;border-radius:999px}
.tag i{width:8px;height:8px;border-radius:50%;background:currentColor}
.tag.t1{background:var(--brand-50);color:var(--brand-700)}.tag.t2{background:#ECFEFF;color:#0E7490}.tag.t3{background:var(--amber-50);color:var(--amber-700)}.tag.t4{background:var(--red-50);color:var(--red-700)}
.bar{display:flex;align-items:center;gap:10px;min-width:180px}
.bar .tr{flex:1;height:8px;background:var(--line-2);border-radius:999px;position:relative;overflow:hidden}
.bar .tr i{position:absolute;top:0;bottom:0;border-radius:999px}
.yes{color:var(--brand-700);font-weight:700}.no{color:var(--red-700);font-weight:700}.mid{color:var(--amber-700);font-weight:700}
.ok,.bad{display:inline-flex;align-items:center;gap:6px;font-weight:700}
.ok::before{content:"";width:18px;height:18px;border-radius:50%;background:var(--brand-50);flex:none;-webkit-mask:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%23D1FAE5'/%3E%3Cpath d='m6 10 2.5 2.5L14 7' fill='none' stroke='%23047857' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.bad::before{content:"";width:18px;height:18px;flex:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%23FEE2E2'/%3E%3Cpath d='m7 7 6 6M13 7l-6 6' stroke='%23B91C1C' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E")}

.rates-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;margin-top:40px}
@media (max-width:980px){.rates-grid{grid-template-columns:1fr}}

/* ================= CHECKLIST ================= */
.check{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.check li{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px;box-shadow:var(--sh-1)}
.check .ck{width:28px;height:28px;border-radius:9px;background:var(--brand-50);display:flex;align-items:center;justify-content:center;flex:none;margin-top:1px}
.check .ck svg{width:16px;height:16px;color:var(--brand-700)}
.check b{display:block;font-weight:700;font-size:.98rem;margin-bottom:2px}
.check span{color:var(--ink-2);font-size:.9rem;line-height:1.5}
@media (max-width:700px){.check{grid-template-columns:1fr}}

/* ================= USES ================= */
.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.use{display:block;padding:26px;border:1px solid var(--line);border-radius:var(--r-l);background:#fff;text-decoration:none;color:var(--ink);box-shadow:var(--sh-1);transition:transform .2s ease,box-shadow .2s ease,border-color .2s}
.use:hover{transform:translateY(-3px);box-shadow:var(--sh-2);border-color:#CFE9DF;color:var(--ink)}
.use .ic{width:52px;height:52px;border-radius:16px;background:linear-gradient(135deg,var(--brand-50),#F0FDFA);display:flex;align-items:center;justify-content:center;margin-bottom:18px;border:1px solid var(--brand-100)}
.use .ic svg{width:26px;height:26px;color:var(--brand-700)}
.use h3{font-size:1.08rem;margin:0 0 6px}
.use p{font-size:.92rem;color:var(--ink-2);margin:0 0 14px;line-height:1.55}
.use .go{font-size:.86rem;font-weight:700;color:var(--brand-700);display:inline-flex;align-items:center;gap:6px}
.use .go svg{width:14px;height:14px;transition:transform .2s}
.use:hover .go svg{transform:translateX(3px)}
@media (max-width:900px){.uses{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.uses{grid-template-columns:1fr}}

/* ================= DISCLOSURE FIG ================= */
.disc-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:10px;box-shadow:var(--sh-3)}
.disc-card svg{width:100%;height:auto;border-radius:16px}

/* ================= FLAGS ================= */
.flags{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.flag{padding:26px;border:1px solid var(--line);border-radius:var(--r-l);background:#fff;box-shadow:var(--sh-1)}
.flag .ic{width:52px;height:52px;border-radius:16px;background:var(--red-50);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.flag .ic svg{width:26px;height:26px;color:var(--red)}
.flag h3{font-size:1.08rem;margin-bottom:8px}
.flag p{font-size:.92rem;color:var(--ink-2);margin:0;line-height:1.55}
@media (max-width:900px){.flags{grid-template-columns:1fr}}

/* ================= GUIDES ================= */
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.guide{text-decoration:none;color:var(--ink);display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r-l);overflow:hidden;box-shadow:var(--sh-1);transition:transform .2s ease,box-shadow .2s ease}
.guide:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:var(--ink)}
.guide .ph{border-radius:0;border:0;border-bottom:1px solid var(--line)}
.guide .gimg{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-bottom:1px solid var(--line);transition:transform .4s ease}
.guide{overflow:hidden}.guide:hover .gimg{transform:scale(1.03)}
.guide .body{padding:20px 22px 22px}
.guide .cat{display:inline-block;font-size:.72rem;font-weight:700;color:var(--brand-700);background:var(--brand-50);padding:4px 9px;border-radius:999px;margin-bottom:10px}
.guide h3{font-size:1.12rem;margin-bottom:6px;line-height:1.3}
.guide p{font-size:.9rem;color:var(--ink-2);margin:0;line-height:1.55}
.guide .meta{font-size:.78rem;color:var(--ink-3);margin-top:12px;font-weight:600}
@media (max-width:900px){.guides{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.guides{grid-template-columns:1fr}}

/* ================= FAQ ================= */
.faq{max-width:840px;margin:0 auto;display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:0 22px;box-shadow:var(--sh-1);transition:border-color .2s}
.faq details[open]{border-color:#BBE8D6}
.faq summary{cursor:pointer;font-size:1.05rem;font-weight:700;padding:18px 44px 18px 0;position:relative;list-style:none;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:0;top:50%;width:28px;height:28px;border-radius:50%;background:var(--bg);transform:translateY(-50%);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M10 5v10M5 10h10' stroke='%230F172A' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");background-size:14px;background-position:center;background-repeat:no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg);background-color:var(--brand-50)}
.faq .a{padding:0 0 20px;color:var(--ink-2);font-size:.98rem;max-width:70ch;line-height:1.65}
.faq .a p{margin:0 0 .7em}

/* ================= GLOSSARY ================= */
.gloss{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.gloss > div{background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:18px 20px}
.gloss dt{font-weight:700;font-size:.98rem;margin-bottom:4px}
.gloss dd{margin:0;font-size:.9rem;color:var(--ink-2);line-height:1.5}
@media (max-width:900px){.gloss{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.gloss{grid-template-columns:1fr}}

/* ================= METHOD ================= */
.method{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media (max-width:900px){.method{grid-template-columns:1fr}}
.srcbox{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:26px 28px;box-shadow:var(--sh-1)}
.srcbox ol{padding-left:1.25em;font-size:.9rem;color:var(--ink-2);margin:0}
.srcbox ol li{margin-bottom:12px;line-height:1.5}
.srcbox ol li::marker{color:var(--brand-700);font-weight:700}
.updated{display:inline-flex;align-items:center;gap:10px;font-size:.84rem;font-weight:600;color:var(--ink-2);background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px 8px 10px;box-shadow:var(--sh-1)}
.updated svg{width:18px;height:18px;color:var(--brand-600)}

/* ================= CTA BAND ================= */
.band{position:relative;overflow:hidden;background:var(--navy);color:#fff;padding:0}
.band .inner{position:relative;margin:0 auto;max-width:var(--max);padding:72px 24px}
.band .box{position:relative;border-radius:var(--r-xl);padding:56px;background:var(--grad);color:#042F24;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;overflow:hidden}
.band .box::after{content:"";position:absolute;right:-80px;top:-120px;width:380px;height:380px;border-radius:50%;background:rgba(255,255,255,.18);filter:blur(2px)}
.band .box::before{content:"";position:absolute;right:120px;bottom:-160px;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.12)}
.band h2{color:#042F24;margin:0 0 .3em;max-width:18ch}
.band p{color:#065F46;margin:0;max-width:48ch;font-weight:500;font-size:1.05rem}
.band .btn{background:var(--navy);color:#fff;position:relative;z-index:1}
.band .btn:hover{background:#000;color:#fff}
@media (max-width:700px){.band .box{padding:36px 28px}}

/* ================= FOOTER ================= */
footer{background:var(--navy);color:#AAB8CC;padding:24px 0 32px;font-size:.9rem}
footer a{color:#E6EDF5}
footer a:hover{color:#6EE7B7}
.fcols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:44px;padding-top:40px;border-top:1px solid rgba(255,255,255,.08)}
footer h4{color:#fff;font-size:.9rem;margin-bottom:14px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:9px}
.disclaim{border-top:1px solid rgba(255,255,255,.08);padding-top:26px;font-size:.8rem;color:#7F91A8;line-height:1.65}
.disclaim p{margin:0 0 10px}
.disclaim strong{color:#C9D4E3}
@media (max-width:900px){.fcols{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.fcols{grid-template-columns:1fr}}

/* ================= COLOR SYSTEM v3 ================= */
.pill.violet{background:var(--violet-50);color:var(--violet-700);border-color:var(--violet-100)}.pill.violet i{background:var(--violet);box-shadow:0 0 0 4px rgba(139,92,246,.18)}
.pill.sky{background:var(--sky-50);color:var(--sky-700);border-color:var(--sky-100)}.pill.sky i{background:var(--sky);box-shadow:0 0 0 4px rgba(14,165,233,.18)}
.pill.orange{background:var(--orange-50);color:var(--orange-700);border-color:var(--orange-100)}.pill.orange i{background:var(--orange);box-shadow:0 0 0 4px rgba(249,115,22,.18)}
.pill.amber{background:var(--amber-50);color:var(--amber-700);border-color:var(--amber-100)}.pill.amber i{background:var(--amber);box-shadow:0 0 0 4px rgba(245,158,11,.18)}
.pill.rose{background:var(--rose-50);color:var(--rose-700);border-color:var(--rose-100)}.pill.rose i{background:var(--rose);box-shadow:0 0 0 4px rgba(244,63,94,.18)}

/* hero: richer glows + floating decoration */
.hero::before{background:
    radial-gradient(900px 540px at 10% -5%, rgba(16,185,129,.38), transparent 60%),
    radial-gradient(760px 520px at 92% 8%, rgba(139,92,246,.30), transparent 62%),
    radial-gradient(620px 420px at 70% 115%, rgba(34,211,238,.26), transparent 60%),
    radial-gradient(500px 380px at 30% 100%, rgba(249,115,22,.14), transparent 60%),
    var(--navy)}
.hero .calc-col{position:relative}
.hero-deco{position:absolute;inset:-70px -110px -90px -110px;z-index:0;pointer-events:none;overflow:visible}
.hero-deco svg{width:100%;height:100%;overflow:visible}
.hero .calc{z-index:1}
.float{animation:float 7s ease-in-out infinite}
.float.f2{animation-duration:9s;animation-delay:-3s}
.float.f3{animation-duration:11s;animation-delay:-5s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@media (prefers-reduced-motion:reduce){.float{animation:none}}

/* stats: tinted */
.stat.c-green{background:linear-gradient(160deg,#ECFDF5,#fff 70%);border-color:#BBF0DA}.stat.c-green b{color:var(--brand-700)}
.stat.c-amber{background:linear-gradient(160deg,#FFFBEB,#fff 70%);border-color:#FDE4A8}.stat.c-amber b{color:var(--amber-700)}.stat.c-amber::before{background:linear-gradient(90deg,#F59E0B,#FBBF24)}
.stat.c-violet{background:linear-gradient(160deg,#F5F3FF,#fff 70%);border-color:#DDD4FE}.stat.c-violet b{color:var(--violet-700)}.stat.c-violet::before{background:linear-gradient(90deg,#8B5CF6,#C4B5FD)}
.stat.c-sky{background:linear-gradient(160deg,#F0F9FF,#fff 70%);border-color:#BAE6FD}.stat.c-sky b{color:var(--sky-700)}.stat.c-sky::before{background:linear-gradient(90deg,#0EA5E9,#67E8F9)}
.stat em{background:rgba(255,255,255,.8);border:1px solid var(--line)}

/* steps: gradient tiles, white icons */
.step .ic{border:0;color:#fff}
.step .ic svg{color:#fff;width:36px;height:36px}
.step:nth-child(1) .ic{background:linear-gradient(135deg,#10B981,#34D399);box-shadow:0 14px 30px -12px rgba(16,185,129,.7)}
.step:nth-child(2) .ic{background:linear-gradient(135deg,#0EA5E9,#38BDF8);box-shadow:0 14px 30px -12px rgba(14,165,233,.7)}
.step:nth-child(3) .ic{background:linear-gradient(135deg,#8B5CF6,#A78BFA);box-shadow:0 14px 30px -12px rgba(139,92,246,.7)}
.step:nth-child(4) .ic{background:linear-gradient(135deg,#F97316,#FB923C);box-shadow:0 14px 30px -12px rgba(249,115,22,.7)}
.step:nth-child(5) .ic{background:linear-gradient(135deg,#14B8A6,#2DD4BF);box-shadow:0 14px 30px -12px rgba(20,184,166,.7)}
.steps::before{background:linear-gradient(90deg,#10B981,#0EA5E9,#8B5CF6,#F97316,#14B8A6);opacity:.45}

/* use cases: per-hue duotone tiles */
.use .ic{width:60px;height:60px;border-radius:18px;border:0}
.use .ic svg{width:34px;height:34px}
.use.h-green .ic{background:var(--brand-50)}.use.h-green .ic svg{color:var(--brand-700)}.use.h-green .go{color:var(--brand-700)}
.use.h-orange .ic{background:var(--orange-50)}.use.h-orange .ic svg{color:var(--orange-700)}.use.h-orange .go{color:var(--orange-700)}
.use.h-rose .ic{background:var(--rose-50)}.use.h-rose .ic svg{color:var(--rose-700)}.use.h-rose .go{color:var(--rose-700)}
.use.h-amber .ic{background:var(--amber-50)}.use.h-amber .ic svg{color:var(--amber-700)}.use.h-amber .go{color:var(--amber-700)}
.use.h-violet .ic{background:var(--violet-50)}.use.h-violet .ic svg{color:var(--violet-700)}.use.h-violet .go{color:var(--violet-700)}
.use.h-sky .ic{background:var(--sky-50)}.use.h-sky .ic svg{color:var(--sky-700)}.use.h-sky .go{color:var(--sky-700)}
.use:hover{border-color:transparent;box-shadow:0 18px 40px -16px rgba(15,23,42,.18)}
.use.h-green:hover{background:linear-gradient(180deg,#fff,#F0FDF6)}.use.h-orange:hover{background:linear-gradient(180deg,#fff,#FFF7ED)}.use.h-rose:hover{background:linear-gradient(180deg,#fff,#FFF1F2)}.use.h-amber:hover{background:linear-gradient(180deg,#fff,#FFFBEB)}.use.h-violet:hover{background:linear-gradient(180deg,#fff,#F5F3FF)}.use.h-sky:hover{background:linear-gradient(180deg,#fff,#F0F9FF)}

/* checklist icons: colorful */
.check li:nth-child(1) .ck{background:var(--brand-50)}.check li:nth-child(1) .ck svg{color:var(--brand-700)}
.check li:nth-child(2) .ck{background:var(--sky-50)}.check li:nth-child(2) .ck svg{color:var(--sky-700)}
.check li:nth-child(3) .ck{background:var(--violet-50)}.check li:nth-child(3) .ck svg{color:var(--violet-700)}
.check li:nth-child(4) .ck{background:var(--orange-50)}.check li:nth-child(4) .ck svg{color:var(--orange-700)}
.check li:nth-child(5) .ck{background:var(--rose-50)}.check li:nth-child(5) .ck svg{color:var(--rose-700)}
.check li:nth-child(6) .ck{background:var(--amber-50)}.check li:nth-child(6) .ck svg{color:var(--amber-700)}

/* flags: rose gradient tiles */
.flag{border-top:4px solid transparent;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(90deg,#F43F5E,#F97316) border-box;border-left-color:var(--line);border-right-color:var(--line);border-bottom-color:var(--line)}
.flag .ic{width:60px;height:60px;border-radius:18px;background:linear-gradient(135deg,#FFF1F2,#FFE4E6)}
.flag .ic svg{width:34px;height:34px;color:var(--rose-700)}

/* guides: category colors */
.guide .cat.c1{background:var(--brand-50);color:var(--brand-700)}
.guide .cat.c2{background:var(--violet-50);color:var(--violet-700)}
.guide .cat.c3{background:var(--rose-50);color:var(--rose-700)}
.guide .cat.c4{background:var(--sky-50);color:var(--sky-700)}
.guide .cat.c5{background:var(--amber-50);color:var(--amber-700)}
.guide .cat.c6{background:var(--orange-50);color:var(--orange-700)}
.guide .ph.p1{background:linear-gradient(135deg,#ECFDF5,#D1FAE5 60%,#CCFBF1)}
.guide .ph.p2{background:linear-gradient(135deg,#F5F3FF,#EDE9FE 60%,#E0E7FF)}
.guide .ph.p3{background:linear-gradient(135deg,#FFF1F2,#FFE4E6 60%,#FFEDD5)}
.guide .ph.p4{background:linear-gradient(135deg,#F0F9FF,#E0F2FE 60%,#CFFAFE)}
.guide .ph.p5{background:linear-gradient(135deg,#FFFBEB,#FEF3C7 60%,#FFEDD5)}
.guide .ph.p6{background:linear-gradient(135deg,#FFF7ED,#FFEDD5 60%,#FEF3C7)}

/* glossary: colored left accents */
.gloss > div{border-left:4px solid var(--brand)}
.gloss > div:nth-child(3n+2){border-left-color:var(--violet)}
.gloss > div:nth-child(3n+3){border-left-color:var(--sky)}

/* section illustrations */
.spot{width:100%;max-width:420px;height:auto}
.flags-head{display:grid;grid-template-columns:1fr 300px;gap:40px;align-items:center;margin-bottom:48px}
.flags-head .sec-head{margin-bottom:0}
@media (max-width:900px){.flags-head{grid-template-columns:1fr}.flags-head svg{max-width:220px}}
.band .box{background:linear-gradient(120deg,#10B981 0%,#14B8A6 40%,#0EA5E9 75%,#8B5CF6 100%);color:#fff}
.band h2,.band p{color:#fff}.band p{color:rgba(255,255,255,.85)}
.band .art{position:absolute;right:56px;bottom:-24px;width:320px;opacity:.95;pointer-events:none}
.band .box{padding-right:420px}
@media (max-width:900px){.band .box{padding-right:28px}}
.band .box::after,.band .box::before{display:none}
@media (max-width:900px){.band .art{display:none}}
.calc .res.main{background:linear-gradient(135deg,#0A1628,#162A47)}
.calc .res.main::after{background:radial-gradient(circle,rgba(139,92,246,.6),transparent 70%)}


/* ================= LENDER REVIEWS ================= */
.lenders{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
.lenders::before{content:"";position:absolute;inset:0;z-index:-1;background:
  radial-gradient(800px 500px at 0% 0%, rgba(16,185,129,.22), transparent 60%),
  radial-gradient(700px 500px at 100% 100%, rgba(139,92,246,.22), transparent 60%)}
.lenders .sec-head h2{color:#fff}
.lenders .sec-head p{color:#B6C3D6}
.lenders .pill{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:#A7F3D0}
.lgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:1000px){.lgrid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.lgrid{grid-template-columns:1fr}}
.lcard{background:#fff;color:var(--ink);border-radius:var(--r-l);padding:24px 24px 20px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5);display:flex;flex-direction:column;transition:transform .2s ease}
.lcard:hover{transform:translateY(-4px)}
.lhead{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.lmono{width:52px;height:52px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.05rem;color:#fff;letter-spacing:-.02em;flex:none}
.lhead h3{font-size:1.15rem;margin:0 0 2px}
.lhead .best{font-size:.78rem;font-weight:700;color:var(--ink-2)}
.score{display:flex;align-items:center;gap:10px;margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--line-2)}
.score b{font-size:1.5rem;font-weight:800;letter-spacing:-.03em;line-height:1}
.score b small{font-size:.8rem;color:var(--ink-3);font-weight:600;letter-spacing:0}
.stars{display:flex;gap:2px}
.stars svg{width:16px;height:16px}
.score .lbl{font-size:.74rem;color:var(--ink-3);font-weight:600;margin-left:auto;text-align:right;line-height:1.3}
.specs{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;margin-bottom:16px}
.specs div{font-size:.78rem;color:var(--ink-3);font-weight:600}
.specs div b{display:block;font-size:.95rem;color:var(--ink);font-weight:700;margin-top:2px;letter-spacing:-.01em}
.specs div.full{grid-column:1/-1}
.pc{display:grid;grid-template-columns:1fr;gap:6px;margin-bottom:16px}
.pc li{list-style:none;font-size:.86rem;color:var(--ink-2);display:flex;gap:8px;align-items:flex-start;line-height:1.45}
.pc ul{margin:0;padding:0}
.pc li::before{content:"";flex:none;width:16px;height:16px;margin-top:2px;border-radius:50%;background-size:16px;background-repeat:no-repeat}
.pc li.p::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%23D1FAE5'/%3E%3Cpath d='m6 10 2.5 2.5L14 7' fill='none' stroke='%23047857' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.pc li.c::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%23FEE2E2'/%3E%3Cpath d='M6 10h8' stroke='%23B91C1C' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E")}
.lcard .more{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:.9rem;color:var(--brand-700)}
.lcard .more svg{width:14px;height:14px;transition:transform .2s}
.lcard:hover .more svg{transform:translateX(3px)}
.lfoot{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:28px}
.lfoot .src{color:#8EA0B8;max-width:72ch}
.lfoot .src a{color:#C9D4E3}
.method-box{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:0 0 36px}
.mb{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r-m);padding:14px 16px}
.mb b{display:block;font-size:1.3rem;font-weight:800;letter-spacing:-.03em;line-height:1;margin-bottom:6px}
.mb span{font-size:.8rem;color:#B6C3D6;line-height:1.4;display:block}
.mb.g b{color:#6EE7B7}.mb.v b{color:#C4B5FD}.mb.s b{color:#7DD3FC}.mb.a b{color:#FCD34D}
@media (max-width:900px){.method-box{grid-template-columns:1fr 1fr}}

/* ================= SCROLL REVEAL ================= */
.io{opacity:0;transform:translateY(18px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1)}
.io.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.io{opacity:1;transform:none}}

/* ================= INNER PAGES ================= */
body.inner header.site{background:rgba(255,255,255,.86);border-bottom-color:var(--line)}
.phero{position:relative;background:linear-gradient(180deg,#F6F8FB 0%,#fff 100%);padding:56px 0 48px;overflow:hidden}
.phero::before{content:"";position:absolute;inset:0;pointer-events:none;background:
  radial-gradient(640px 320px at 90% -10%, rgba(16,185,129,.14), transparent 60%),
  radial-gradient(520px 300px at 0% 110%, rgba(139,92,246,.10), transparent 60%)}
.phero .wrap{position:relative}
.phero h1{font-size:clamp(2.1rem,4.4vw,3.4rem);max-width:22ch;margin-bottom:.4em}
.phero .lede{font-size:1.18rem;line-height:1.6;color:var(--ink-2);max-width:62ch;font-weight:500}
.phero.split2 .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:980px){.phero.split2 .wrap{grid-template-columns:1fr}}
.crumbs{display:flex;flex-wrap:wrap;gap:6px;align-items:center;list-style:none;margin:0 0 18px;padding:0;font-size:.82rem;color:var(--ink-3);font-weight:600}
.crumbs a{color:var(--ink-2)}
.crumbs li+li::before{content:"/";margin-right:6px;color:#CBD5E1}
.byline{display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center;margin-top:22px;font-size:.84rem;color:var(--ink-2);font-weight:600}
.byline span{display:inline-flex;align-items:center;gap:7px}
.byline svg{width:16px;height:16px;color:var(--brand-600)}
.byline .av{width:30px;height:30px;border-radius:50%;background:var(--grad);display:inline-flex;align-items:center;justify-content:center;color:#062A20;font-weight:800;font-size:.72rem}
.keyfacts{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);box-shadow:var(--sh-2);padding:22px 24px}
.keyfacts h2{font-size:1rem;margin:0 0 12px;letter-spacing:-.01em}
.keyfacts ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.keyfacts li{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;color:var(--ink-2);line-height:1.5}
.keyfacts li b{color:var(--ink)}
.keyfacts li::before{content:"";flex:none;width:18px;height:18px;margin-top:2px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%23D1FAE5'/%3E%3Cpath d='m6 10 2.5 2.5L14 7' fill='none' stroke='%23047857' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") no-repeat center/18px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}
@media (max-width:1000px){.layout{grid-template-columns:1fr}.layout .side{order:-1}}
.side{position:sticky;top:96px;display:grid;gap:18px}
@media (max-width:1000px){.side{position:static}}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px}
.toc h2{font-size:.78rem;color:var(--ink-3);margin:0 0 10px;font-weight:700;letter-spacing:.02em}
.toc ol{list-style:none;margin:0;padding:0;display:grid;gap:2px}
.toc a{display:block;padding:7px 10px;border-radius:8px;font-size:.88rem;font-weight:600;color:var(--ink-2);border-left:2px solid transparent}
.toc a:hover{background:var(--bg);color:var(--ink)}
.toc a.on{color:var(--brand-700);background:var(--brand-50);border-left-color:var(--brand)}
.sidecta{background:var(--navy);color:#fff;border-radius:var(--r-l);padding:22px;position:relative;overflow:hidden}
.sidecta::after{content:"";position:absolute;right:-40px;top:-40px;width:140px;height:140px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.6),transparent 70%)}
.sidecta h3{color:#fff;font-size:1.05rem;margin-bottom:6px;position:relative}
.sidecta p{color:#B6C3D6;font-size:.88rem;margin:0 0 14px;position:relative}
.sidecta .btn{position:relative;width:100%}
.article{max-width:none}
.article > section{padding:0;margin:0 0 56px}
.article h2{font-size:clamp(1.6rem,2.6vw,2.1rem);margin:0 0 .6em;scroll-margin-top:96px}
.article h3{margin-top:1.6em;scroll-margin-top:96px}
.article p,.article li{font-size:1.06rem;line-height:1.7;color:#283548}
.article ul,.article ol{padding-left:1.25em;margin:0 0 1.2em}
.article li{margin-bottom:.5em}
.article li::marker{color:var(--brand-600);font-weight:700}
.article .tbl-wrap{margin:1.4em 0}
.article table.data{min-width:560px}
.article figure{margin:1.6em 0}
.note{font-size:.84rem;color:var(--ink-3);line-height:1.55}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:1.4em 0}
.stat-row .stat{padding:20px 20px 16px;box-shadow:var(--sh-1)}
.stat-row .stat b{font-size:2rem}
@media (max-width:700px){.stat-row{grid-template-columns:1fr}}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.2em 0}
.pros-cons > div{border-radius:var(--r-m);padding:16px 18px;border:1px solid var(--line)}
.pros-cons .pros{background:var(--brand-50);border-color:var(--brand-100)}
.pros-cons .cons{background:var(--rose-50);border-color:var(--rose-100)}
.pros-cons h4{margin:0 0 8px;font-size:.9rem}
.pros-cons ul{margin:0;padding:0;list-style:none}
.pros-cons li{font-size:.92rem!important;margin:0 0 6px;display:flex;gap:8px;align-items:flex-start;line-height:1.45!important}
.pros-cons .pros li::before{content:"+";font-weight:800;color:var(--brand-700);flex:none}
.pros-cons .cons li::before{content:"−";font-weight:800;color:var(--rose-700);flex:none}
@media (max-width:640px){.pros-cons{grid-template-columns:1fr}}
.verdict{border-left:4px solid var(--brand);background:#fff;border:1px solid var(--line);border-left-width:4px;border-left-color:var(--brand);border-radius:var(--r-m);padding:16px 20px;margin:1.2em 0}
.verdict p{margin:0;font-size:1rem!important}
.steps-v{list-style:none;padding:0;margin:1.2em 0;display:grid;gap:12px;counter-reset:sv}
.steps-v li{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px}
.steps-v li::before{counter-increment:sv;content:counter(sv);width:40px;height:40px;border-radius:12px;background:var(--grad);color:#062A20;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1rem}
.steps-v li b{display:block;margin-bottom:3px}
.steps-v li span{font-size:.95rem;color:var(--ink-2);line-height:1.55}
.ch{position:relative}
.sectionlabel{display:block;font-size:.8rem;font-weight:700;color:var(--brand-700);margin-bottom:8px}
.filterbar{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:0 0 22px}
.filterbar .lab{font-size:.84rem;font-weight:700;color:var(--ink-2);margin-right:4px}
.chip{font:inherit;font-size:.86rem;font-weight:700;padding:8px 14px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink-2);cursor:pointer;transition:all .15s}
.chip:hover{border-color:#CBD5E1;color:var(--ink)}
.chip[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.lcard.hide{display:none}
.lgrid.light .lcard{box-shadow:var(--sh-2);border:1px solid var(--line)}
.cmp-table td,.cmp-table th{font-size:.88rem;padding:12px 14px}
.cmp-table tbody th{white-space:nowrap}
.empty{padding:28px;text-align:center;color:var(--ink-2);background:var(--bg);border-radius:var(--r-m);display:none}
.dc-calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);box-shadow:var(--sh-2);padding:24px;margin:1.4em 0}
.dc-calc h3{margin:0 0 4px;font-size:1.15rem}
.dc-calc .sub{font-size:.86rem;color:var(--ink-2);margin:0 0 18px}
.dc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 28px}
@media (max-width:700px){.dc-grid{grid-template-columns:1fr}}
.dc-out{margin-top:18px;display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:700px){.dc-out{grid-template-columns:1fr}}
.dc-box{border-radius:var(--r-m);padding:16px 18px;background:var(--bg)}
.dc-box small{display:block;font-size:.76rem;font-weight:700;color:var(--ink-3);margin-bottom:6px}
.dc-box .row{display:flex;justify-content:space-between;font-size:.92rem;padding:5px 0;border-bottom:1px dashed var(--line)}
.dc-box .row:last-child{border:0}
.dc-box .row b{font-variant-numeric:tabular-nums}
.dc-box.win{background:linear-gradient(135deg,#ECFDF5,#F0FDFA);border:1px solid var(--brand-100)}
.dc-box.lose{background:var(--rose-50);border:1px solid var(--rose-100)}
.dc-res{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding:16px 18px;border-radius:var(--r-m);background:var(--navy);color:#fff}
.dc-res b{font-size:1.5rem;font-weight:800;letter-spacing:-.03em}
.dc-res span{color:#B6C3D6;font-size:.9rem}
.guides-hero-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.guides-hero-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.guides-hero-grid{grid-template-columns:1fr}}
.cat-tabs{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 28px}
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:900px){.team{grid-template-columns:1fr}}
.team .tc{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:22px;box-shadow:var(--sh-1)}
.team .tc .av{width:56px;height:56px;border-radius:18px;background:var(--grad);display:flex;align-items:center;justify-content:center;color:#062A20;font-weight:800;margin-bottom:14px}
.team .tc h3{font-size:1.05rem;margin-bottom:2px}
.team .tc .role{font-size:.82rem;color:var(--brand-700);font-weight:700;margin-bottom:8px}
.team .tc p{font-size:.9rem;color:var(--ink-2);margin:0;line-height:1.5}
.principles{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:700px){.principles{grid-template-columns:1fr}}
.principles > div{background:#fff;border:1px solid var(--line);border-radius:var(--r-m);padding:18px 20px}
.principles h3{font-size:1rem;margin:0 0 6px}
.principles p{font-size:.92rem!important;color:var(--ink-2);margin:0;line-height:1.55!important}
.timeline{list-style:none;padding:0;margin:0;display:grid;gap:0}
.timeline li{display:grid;grid-template-columns:120px 1fr;gap:18px;padding:14px 0;border-bottom:1px solid var(--line-2);font-size:.95rem}
.timeline li b{color:var(--brand-700)}

.lgrid.two{grid-template-columns:repeat(2,1fr)}
.uses.two{grid-template-columns:repeat(2,1fr)}
.specs.three{grid-template-columns:repeat(3,1fr)}
@media (max-width:640px){.lgrid.two,.uses.two{grid-template-columns:1fr}.specs.three{grid-template-columns:1fr 1fr}.method-box{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.specs,.specs.three{grid-template-columns:1fr}}
.wrap,.layout,.article{min-width:0}
.article section{min-width:0}

/* ================= KEY FACTS v2 (bento) ================= */
.kf{position:relative;background:linear-gradient(160deg,#0F1F36 0%,#0A1628 100%);color:#fff;border-radius:var(--r-xl);padding:22px 22px 18px;box-shadow:var(--sh-3);overflow:hidden;isolation:isolate}
.kf::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(420px 220px at 100% 0%,rgba(16,185,129,.28),transparent 60%),radial-gradient(360px 220px at 0% 100%,rgba(139,92,246,.25),transparent 60%)}
.kf::after{content:"";position:absolute;inset:0;z-index:-1;opacity:.25;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:28px 28px;-webkit-mask-image:radial-gradient(ellipse at 50% 50%,#000 30%,transparent 80%);mask-image:radial-gradient(ellipse at 50% 50%,#000 30%,transparent 80%)}
.kf h2{font-size:.78rem;font-weight:700;color:#8EA0B8;margin:0 0 14px;display:flex;align-items:center;gap:8px;letter-spacing:.01em}
.kf h2::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 4px rgba(16,185,129,.25)}
.kf ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kf li{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.10);border-radius:16px;padding:14px 14px 12px;display:flex;flex-direction:column;gap:4px;min-width:0;transition:background .2s}
.kf li:hover{background:rgba(255,255,255,.09)}
.kf li.wide{grid-column:1/-1;flex-direction:row;align-items:center;gap:12px}
.kf b{font-size:1.7rem;font-weight:800;letter-spacing:-.04em;line-height:1;font-variant-numeric:tabular-nums;background:linear-gradient(135deg,#6EE7B7,#22D3EE);-webkit-background-clip:text;background-clip:text;color:transparent}
.kf li.amber b{background:linear-gradient(135deg,#FDE68A,#F59E0B);-webkit-background-clip:text;background-clip:text}
.kf li.violet b{background:linear-gradient(135deg,#DDD6FE,#A78BFA);-webkit-background-clip:text;background-clip:text}
.kf li.sky b{background:linear-gradient(135deg,#BAE6FD,#38BDF8);-webkit-background-clip:text;background-clip:text}
.kf li.rose b{background:linear-gradient(135deg,#FECDD3,#FB7185);-webkit-background-clip:text;background-clip:text}
.kf li.wide b{font-size:1.45rem;flex:none}
.kf span{font-size:.84rem;color:#E6EDF5;line-height:1.4;font-weight:500}
.kf em{font-style:normal;font-size:.7rem;color:#8EA0B8;font-weight:600;margin-top:auto;padding-top:4px}
.kf li.wide span{font-size:.86rem}
.kf .kf-ic{width:36px;height:36px;border-radius:11px;display:flex;align-items:center;justify-content:center;flex:none;background:rgba(255,255,255,.08)}
.kf .kf-ic svg{width:18px;height:18px}
.kf li.txt{flex-direction:row;align-items:flex-start;gap:12px;grid-column:1/-1;padding:12px 14px}
.kf li.txt span b{display:inline;font-size:inherit;letter-spacing:0;background:none;color:#fff;-webkit-text-fill-color:#fff;font-weight:700}
.kf a{color:#6EE7B7;font-weight:700}
@media (max-width:420px){.kf ul{grid-template-columns:1fr}}
.kf li.wide > div{display:flex;flex-direction:column;gap:2px;min-width:0}
.kf em{display:block}
.kf li.wide b{font-size:1.35rem;white-space:nowrap}

/* ================= v5: guides, glossary, legal ================= */
.article .ph{border:1px solid var(--line)}
.article .ph.p1{background:linear-gradient(135deg,#ECFDF5,#D1FAE5 60%,#CCFBF1)}.article .ph.p2{background:linear-gradient(135deg,#F5F3FF,#EDE9FE 60%,#E0E7FF)}.article .ph.p3{background:linear-gradient(135deg,#FFF1F2,#FFE4E6 60%,#FFEDD5)}.article .ph.p4{background:linear-gradient(135deg,#F0F9FF,#E0F2FE 60%,#CFFAFE)}.article .ph.p5{background:linear-gradient(135deg,#FFFBEB,#FEF3C7 60%,#FFEDD5)}.article .ph.p6{background:linear-gradient(135deg,#FFF7ED,#FFEDD5 60%,#FEF3C7)}
.gloss.two{grid-template-columns:1fr 1fr}
@media (max-width:600px){.gloss.two{grid-template-columns:1fr}}
.article .gloss dt{scroll-margin-top:96px}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 28px}
.az a{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.9rem;background:#fff;border:1px solid var(--line);color:var(--ink);text-decoration:none}
.az a:hover{background:var(--brand-50);border-color:var(--brand-100);color:var(--brand-700)}
.az span{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem;color:var(--ink-3);background:var(--bg)}
.gl-letter{display:flex;align-items:center;gap:14px;margin:2.2em 0 1em;scroll-margin-top:96px}
.gl-letter b{width:52px;height:52px;border-radius:16px;background:var(--grad);color:#062A20;font-weight:800;font-size:1.5rem;display:flex;align-items:center;justify-content:center;letter-spacing:-.03em}
.gl-letter i{flex:1;height:1px;background:var(--line)}
.article .gloss dd a{font-weight:600}
/* option cards (purpose guides) */
.opts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.3em 0}
.opt{background:#fff;border:1px solid var(--line);border-radius:var(--r-l);padding:22px;box-shadow:var(--sh-1);border-top:4px solid var(--brand)}
.opt.v{border-top-color:var(--violet)}.opt.s{border-top-color:var(--sky)}.opt.a{border-top-color:var(--amber)}.opt.r{border-top-color:var(--rose)}.opt.o{border-top-color:var(--orange)}
.opt h3{margin:0 0 4px;font-size:1.1rem}
.opt .rate{font-size:.82rem;font-weight:700;color:var(--ink-3);margin-bottom:10px}
.opt .rate b{color:var(--ink);font-size:1.05rem;letter-spacing:-.02em}
.opt p{font-size:.95rem!important;line-height:1.55!important;margin:0 0 10px;color:var(--ink-2)!important}
.opt .fit{font-size:.86rem;line-height:1.5;padding:10px 12px;border-radius:12px;background:var(--bg);color:var(--ink-2)}
.opt .fit b{color:var(--ink)}
@media (max-width:640px){.opts{grid-template-columns:1fr}}
/* verdict chips */
.sig{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:800;padding:4px 10px;border-radius:999px;white-space:nowrap}
.sig.g{background:var(--brand-50);color:var(--brand-700)}.sig.y{background:var(--amber-50);color:var(--amber-700)}.sig.r{background:var(--rose-50);color:var(--rose-700)}
/* legal pages */
.legal .article h2{font-size:1.5rem}
.legal .article h3{font-size:1.12rem}
.legal .article p,.legal .article li{font-size:1rem;line-height:1.7}
.legal .meta-box{background:var(--bg);border:1px solid var(--line);border-radius:var(--r-m);padding:16px 20px;font-size:.92rem;color:var(--ink-2);margin:0 0 2em}
.legal .meta-box b{color:var(--ink)}
.tbd{background:var(--amber-50);border:1px dashed var(--amber);color:var(--amber-700);font-weight:700;padding:0 6px;border-radius:6px;font-size:.92em}
/* compare strip */
.cmp3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:1.3em 0}
.cmp3 > div{border-radius:var(--r-m);padding:18px;border:1px solid var(--line);background:#fff}
.cmp3 small{display:block;font-size:.76rem;font-weight:700;color:var(--ink-3);margin-bottom:6px;text-transform:uppercase;letter-spacing:.04em}
.cmp3 b{display:block;font-size:1.6rem;font-weight:800;letter-spacing:-.03em;line-height:1.1;font-variant-numeric:tabular-nums}
.cmp3 span{display:block;font-size:.84rem;color:var(--ink-2);margin-top:6px;line-height:1.45}
.cmp3 .win{background:linear-gradient(135deg,#ECFDF5,#F0FDFA);border-color:var(--brand-100)}.cmp3 .win b{color:var(--brand-700)}
.cmp3 .lose{background:var(--rose-50);border-color:var(--rose-100)}.cmp3 .lose b{color:var(--rose-700)}
.cmp3 .mid{background:var(--amber-50);border-color:var(--amber-100)}.cmp3 .mid b{color:var(--amber-700)}
@media (max-width:700px){.cmp3{grid-template-columns:1fr}}
.article ul.check,.article ol.steps-v,.article ul.timeline{padding-left:0}
.article table.data td.num{white-space:normal}
.article table.data{font-size:.9rem}
.article table.data th,.article table.data td{padding:11px 12px}
.article .flags{grid-template-columns:1fr 1fr;gap:14px}
.article .flag{padding:20px}
.article .flag .ic{width:48px;height:48px;border-radius:14px;margin-bottom:14px}
.article .flag .ic svg{width:26px;height:26px}
.article .flag h3{font-size:1rem;margin:0 0 6px}
.article .flag p{font-size:.92rem!important;line-height:1.5!important}
@media (max-width:600px){.article .flags{grid-template-columns:1fr}}

/* ================= v6: lead form in hero + calculator section ================= */
.apply-card .calc-head{padding-top:24px}
.apply-sub{margin:10px 28px 0;font-size:.92rem;color:var(--ink-2);line-height:1.5}
.apply-body{position:relative;padding:16px 28px 8px;min-height:300px}
#_lg_form_{position:relative;z-index:1}
#_lg_form_ *{font-family:inherit}
.apply-skel{position:absolute;inset:16px 28px 8px;display:none;flex-direction:column;gap:14px;padding-top:4px}
#_lg_form_:empty + .apply-skel{display:flex}
.apply-skel i{display:block;height:46px;border-radius:12px;background:linear-gradient(90deg,#EEF2F7 25%,#F7F9FC 50%,#EEF2F7 75%);background-size:400% 100%;animation:shimmer 1.6s linear infinite}
.apply-skel i.w{width:60%}
.apply-skel i.b{height:52px;background:linear-gradient(90deg,#D1FAE5 25%,#ECFDF5 50%,#D1FAE5 75%);background-size:400% 100%;margin-top:6px}
.apply-skel span{font-size:.8rem;color:var(--ink-3);font-weight:600;text-align:center}
@keyframes shimmer{0%{background-position:100% 0}100%{background-position:0 0}}
@media (prefers-reduced-motion:reduce){.apply-skel i{animation:none}}
.apply-foot{display:flex;gap:10px;align-items:flex-start}
.apply-foot svg{width:18px;height:18px;flex:none;color:var(--brand-700);margin-top:1px}
.apply-foot a{color:var(--brand-700);font-weight:600}
.calc-sec{padding:96px 0 32px;background:linear-gradient(180deg,#fff,#F6F8FB)}
.calc-wrap{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:center}
.calc-intro h2{font-size:clamp(1.8rem,3vw,2.5rem);margin:0 0 .5em}
.calc-intro p{color:var(--ink-2);font-size:1.06rem;line-height:1.65}
.calc-points{list-style:none;padding:0;margin:20px 0 28px;display:grid;gap:10px}
.calc-points li{position:relative;padding-left:30px;font-size:.98rem;line-height:1.55;color:var(--ink-2)}
.calc-points li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:6px;background:var(--brand-50);border:1px solid var(--brand-100)}
.calc-points li::after{content:"";position:absolute;left:5px;top:9px;width:8px;height:5px;border-left:2px solid var(--brand-700);border-bottom:2px solid var(--brand-700);transform:rotate(-45deg)}
.calc-points b{color:var(--ink)}
.calc-sec .calc{box-shadow:var(--sh-2);border:1px solid var(--line)}
.calc-sec .calc::before{display:none}
@media (max-width:980px){.calc-wrap{grid-template-columns:1fr;gap:36px}.calc-sec{padding:72px 0 16px}}
.apply-card .calc-head{flex-wrap:wrap;gap:8px 12px}
/* attention shake for the lead form */
#apply-form{scroll-margin-top:110px}
@keyframes shakeX{0%,100%{transform:translateX(0)}15%{transform:translateX(-10px) rotate(-.6deg)}30%{transform:translateX(9px) rotate(.5deg)}45%{transform:translateX(-7px)}60%{transform:translateX(6px)}75%{transform:translateX(-3px)}90%{transform:translateX(2px)}}
@keyframes glowRing{0%{box-shadow:0 0 0 0 rgba(16,185,129,.55),var(--sh-3)}100%{box-shadow:0 0 0 22px rgba(16,185,129,0),var(--sh-3)}}
.apply-card.shake{opacity:1;animation:shakeX .7s cubic-bezier(.36,.07,.19,.97) both,glowRing 1.2s ease-out 1}
@media (prefers-reduced-motion:reduce){.apply-card.shake{opacity:1;animation:glowRing 1.2s ease-out 1}}
/* hero spacing + trust row tidy-up */
.hero .wrap{grid-template-columns:minmax(0,1.06fr) minmax(0,.94fr);gap:84px}
.hero .lede{max-width:32em}
.hero-deco{inset:-70px -70px -90px 0}
.trust{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 24px;margin:36px 0 0;padding:26px 0 0;font-size:.82rem}
.trust li{display:flex;gap:10px;align-items:flex-start;min-width:0}
.trust li svg{flex:none;width:18px;height:18px;margin-top:1px}
.trust li b{display:block;font-size:.88rem;color:#fff;margin-bottom:2px}
@media (max-width:1200px){.hero .wrap{gap:64px}}
@media (max-width:980px){.trust{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:640px){.trust{grid-template-columns:1fr;gap:14px}}
/* footer contact block (placeholder details until the owner supplies real ones) */
.fcontact{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.fcontact li{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:#B6C3D6;line-height:1.45}
.fcontact svg{width:18px;height:18px;flex:none;color:#34D399;margin-top:1px}
.fcontact a{color:#fff;font-weight:600;text-decoration:none}
.fcontact a:hover{color:#6EE7B7}
.fcontact span{display:block;font-size:.76rem;color:#8EA0B8}
.fcontact address{font-style:normal}
/* state link grid + 5-column footer */
.states{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.state{display:flex;align-items:center;gap:12px;padding:14px 16px;background:#fff;border:1px solid var(--line);border-radius:var(--r-m);text-decoration:none;color:var(--ink);box-shadow:var(--sh-1);transition:transform .2s,box-shadow .2s,border-color .2s}
.state b{width:42px;height:42px;border-radius:12px;background:var(--grad);color:#062A20;display:flex;align-items:center;justify-content:center;font-weight:800;letter-spacing:-.02em;flex:none}
.state span{font-weight:700;font-size:.95rem}
.state:hover{transform:translateY(-2px);box-shadow:var(--sh-2);border-color:var(--brand-100);color:var(--ink)}
@media (max-width:1000px){.states{grid-template-columns:repeat(3,1fr)}}
@media (max-width:600px){.states{grid-template-columns:1fr 1fr}}
.fcols{grid-template-columns:1.5fr 1fr 1fr 1fr 1fr}
@media (max-width:1000px){.fcols{grid-template-columns:1fr 1fr 1fr}}
@media (max-width:640px){.fcols{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.fcols{grid-template-columns:1fr}}
/* brand eyebrow inside H1s */
.brand-line{display:block;font-size:.34em;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-700);margin-bottom:.55em;line-height:1.2}
.hero .brand-line{color:#6EE7B7}