/* ==========================================================================
   Rateshop — public stylesheet
   Palette : indigo #080394 + gold #F9BB06, sampled from the Rateshop logotype.
             Gold carries the calls to action, indigo carries structure and links,
             green is reserved for money saved, red only ever means an error.
   Type    : Bricolage Grotesque (display) / Public Sans (body) / IBM Plex Mono (rate data)
   Signature: the rate board — a market-style pricing panel with tabular numerals
   ========================================================================== */

:root {
  /* Sampled from the Rateshop logotype: indigo #080394, gold #F9BB06, flag red */
  --ink: #080733;
  --ink-2: #12114A;
  --ink-3: #232263;
  --brand: #080394;
  --brand-deep: #05024A;
  --brand-soft: #EEEEFF;
  --gold: #F9BB06;
  --gold-deep: #C99406;
  --gold-soft: #FFF6E0;
  --gold-text: #8E6800;   /* gold that passes contrast on white */
  --mint: #0E9E6E;
  --mint-soft: #E6F6F0;
  --amber: #F9BB06;
  --error: #E11B18;
  --error-soft: #FDEEEF;
  --paper: #F4F5FA;
  --line: #E3E4EF;
  --muted: #5B5F7D;
  --white: #fff;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(8,7,51,.06), 0 2px 8px rgba(8,7,51,.05);
  --shadow: 0 4px 12px rgba(8,7,51,.07), 0 14px 38px rgba(8,7,51,.09);
  --shadow-lg: 0 10px 30px rgba(8,7,51,.12), 0 30px 70px rgba(8,7,51,.16);
  --ease: cubic-bezier(.22,.61,.36,1);
  --display: 'Bricolage Grotesque', 'Public Sans', system-ui, sans-serif;
  --body: 'Public Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mono: 'IBM Plex Mono', ui-monospace, 'SF Mono', Menlo, monospace;
  --wrap: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--white); color: var(--ink);
  font-family: var(--body); font-size: 16.5px; line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--brand); outline-offset: 2px; border-radius: 4px; }
.bg-ink :focus-visible, .hero :focus-visible, .site-foot :focus-visible { outline-color: var(--gold); }

h1, h2, h3, h4 { font-family: var(--display); font-weight: 700; letter-spacing: -.028em; line-height: 1.08; margin: 0 0 .5em; }
h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.9rem); }
h3 { font-size: clamp(1.15rem, 1.8vw, 1.45rem); letter-spacing: -.02em; }
p { margin: 0 0 1em; }
.lede { font-size: clamp(1.05rem, 1.5vw, 1.22rem); color: var(--muted); line-height: 1.62; }
.wrap { width: min(100% - 2.5rem, var(--wrap)); margin-inline: auto; }
.wrap-tight { width: min(100% - 2.5rem, 860px); margin-inline: auto; }
section { padding: clamp(3.6rem, 7vw, 6.5rem) 0; }
.bg-paper { background: var(--paper); }
.bg-ink { background: var(--ink); color: #fff; }
.bg-ink .lede, .bg-ink .muted, .hero .muted, .cta-band .muted, .cta-band .lede { color: #B9BBDD; }
.muted { color: var(--muted); }
.center { text-align: center; }

/* ------------------------------------------------------------------ eyebrow */
.eyebrow {
  font-family: var(--mono); font-size: .715rem; font-weight: 500;
  letter-spacing: .16em; text-transform: uppercase; color: var(--brand);
  display: inline-flex; align-items: center; gap: .55rem; margin-bottom: 1rem;
}
.eyebrow::before { content: ''; width: 26px; height: 2px; background: var(--brand); }
.bg-ink .eyebrow, .hero .eyebrow, .cta-band .eyebrow, .site-foot .eyebrow { color: var(--gold); }
.bg-ink .eyebrow::before, .hero .eyebrow::before, .cta-band .eyebrow::before, .site-foot .eyebrow::before { background: var(--gold); }

/* ------------------------------------------------------------------ buttons */
.btn {
  --btn-bg: var(--gold); --btn-fg: var(--ink);
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  background: var(--btn-bg); color: var(--btn-fg);
  padding: .95rem 1.6rem; border: 0; border-radius: 999px; cursor: pointer;
  font-weight: 700; font-size: .97rem; letter-spacing: -.01em; text-align: center;
  transition: transform .18s var(--ease), box-shadow .18s var(--ease), background .18s;
  box-shadow: 0 4px 14px rgba(201,148,6,.30);
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 8px 26px rgba(201,148,6,.38); }
.btn:active { transform: translateY(0); }
.btn svg { width: 17px; height: 17px; }
.btn-lg { padding: 1.15rem 2rem; font-size: 1.04rem; }
.btn-ghost { --btn-bg: transparent; --btn-fg: var(--ink); box-shadow: inset 0 0 0 1.5px var(--line); }
.btn-ghost:hover { box-shadow: inset 0 0 0 1.5px var(--ink); }
.bg-ink .btn-ghost, .hero .btn-ghost, .cta-band .btn-ghost, .site-foot .btn-ghost { --btn-fg: #fff; box-shadow: inset 0 0 0 1.5px rgba(255,255,255,.3); }
.bg-ink .btn-ghost:hover, .hero .btn-ghost:hover, .cta-band .btn-ghost:hover, .site-foot .btn-ghost:hover { box-shadow: inset 0 0 0 1.5px #fff; background: rgba(255,255,255,.06); }
.btn-brand { --btn-bg: var(--brand); --btn-fg: #fff; box-shadow: 0 4px 14px rgba(8,3,148,.28); }
.btn-brand:hover { box-shadow: 0 8px 26px rgba(8,3,148,.34); }
.btn-dark { --btn-bg: var(--ink); --btn-fg: #fff; box-shadow: 0 4px 14px rgba(8,7,51,.25); }
.btn-dark:hover { box-shadow: 0 8px 26px rgba(8,7,51,.3); }
.btn-block { width: 100%; }

/* ------------------------------------------------------------- announcement */
.announce {
  background: var(--ink); color: #C9D3E6; font-size: .82rem;
  padding: .55rem 0; border-bottom: 1px solid rgba(255,255,255,.08);
}
.announce .wrap { display: flex; align-items: center; gap: .7rem; justify-content: center; text-align: center; }
.pulse { width: 7px; height: 7px; border-radius: 50%; background: var(--brand); flex: none; animation: pulse 2.4s infinite; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(8,3,148,.55); } 50% { box-shadow: 0 0 0 7px rgba(8,3,148,0); } }

/* ------------------------------------------------------------------- header */
.site-head {
  position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.88);
  backdrop-filter: saturate(160%) blur(14px); border-bottom: 1px solid var(--line);
  transition: box-shadow .25s;
}
.site-head.scrolled { box-shadow: 0 6px 24px rgba(8,7,51,.07); }
.head-inner { display: flex; align-items: center; gap: 1.6rem; height: 74px; }
.brand { display: flex; align-items: center; gap: .6rem; font-family: var(--display); font-weight: 800; font-size: 1.36rem; letter-spacing: -.045em; }
.brand img { height: 34px; width: auto; }
.brand .dot { color: var(--brand); }
.mainnav { display: flex; align-items: center; gap: .25rem; margin: 0 0 0 auto; padding: 0; }
.mainnav > li { list-style: none; position: relative; }
.mainnav a, .mainnav .navbtn {
  display: flex; align-items: center; gap: .3rem; padding: .55rem .8rem; border-radius: 9px;
  font-weight: 600; font-size: .93rem; background: none; border: 0; cursor: pointer;
  transition: background .16s, color .16s;
}
.mainnav a:hover, .mainnav .navbtn:hover, .mainnav a.active { background: var(--paper); color: var(--brand); }
.mainnav .caret { width: 9px; height: 9px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translate(-2px,-2px); transition: transform .22s var(--ease); }
.has-mega[aria-expanded="true"] .caret { transform: rotate(-135deg) translate(-1px,-1px); }
.head-cta { display: flex; align-items: center; gap: .7rem; }
.head-phone { font-family: var(--mono); font-weight: 500; font-size: .9rem; white-space: nowrap; }
.head-phone span { color: var(--muted); font-size: .68rem; display: block; letter-spacing: .08em; text-transform: uppercase; }

/* mega menu */
.mega {
  position: absolute; top: calc(100% + 12px); left: 50%; translate: -50% 0;
  width: min(94vw, 780px); background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 1.4rem;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: .3rem 1.4rem;
  opacity: 0; visibility: hidden; translate: -50% 8px; transition: all .22s var(--ease); z-index: 70;
}
.has-mega[aria-expanded="true"] .mega { opacity: 1; visibility: visible; translate: -50% 0; }
.mega h4 { font-size: .7rem; font-family: var(--mono); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin: .4rem .6rem .5rem; }
.mega a { display: block; padding: .5rem .6rem; border-radius: 9px; font-weight: 500; font-size: .9rem; }
.mega a:hover { background: var(--brand-soft); color: var(--brand); }
.mega-foot { grid-column: 1 / -1; margin-top: .8rem; padding-top: .9rem; border-top: 1px solid var(--line);
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.mega-foot p { margin: 0; font-size: .86rem; color: var(--muted); }

/* mobile nav */
.burger { display: none; margin-left: auto; background: none; border: 0; padding: .5rem; cursor: pointer; }
.burger span { display: block; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: .25s var(--ease); }
.burger span + span { margin-top: 5px; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobilenav {
  position: fixed; inset: 74px 0 0; background: #fff; z-index: 55; padding: 1.2rem 1.25rem 3rem;
  overflow-y: auto; transform: translateX(100%); transition: transform .3s var(--ease); display: none;
}
.mobilenav.open { transform: none; }
.mobilenav details { border-bottom: 1px solid var(--line); }
.mobilenav summary { padding: .95rem .2rem; font-weight: 700; cursor: pointer; list-style: none; display: flex; justify-content: space-between; }
.mobilenav summary::-webkit-details-marker { display: none; }
.mobilenav summary::after { content: '+'; color: var(--brand); font-size: 1.3rem; line-height: 1; }
.mobilenav details[open] summary::after { content: '–'; }
.mobilenav .sub a { display: block; padding: .6rem .2rem .6rem 1rem; color: var(--muted); font-size: .95rem; }
.mobilenav > a { display: block; padding: .95rem .2rem; font-weight: 700; border-bottom: 1px solid var(--line); }

/* --------------------------------------------------------------------- hero */
.hero {
  position: relative; background: var(--ink); color: #fff; overflow: hidden;
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(5rem, 9vw, 7.5rem);
}
.hero::before {
  content: ''; position: absolute; inset: -20% -10% auto -10%; height: 130%;
  background:
    radial-gradient(48% 54% at 10% 16%, rgba(8,3,148,.85), transparent 64%),
    radial-gradient(42% 48% at 88% 4%, rgba(249,187,6,.22), transparent 62%),
    radial-gradient(36% 40% at 72% 92%, rgba(8,3,148,.55), transparent 66%);
  pointer-events: none;
}
.hero::after {
  content: ''; position: absolute; inset: 0; opacity: .5; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(70% 60% at 50% 40%, #000, transparent 78%);
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 4vw, 3.6rem); align-items: center; }
.hero h1 { color: #fff; text-wrap: balance; }
.hero h1 em { font-style: normal; color: var(--gold); position: relative; white-space: nowrap; }
.hero p.lede { color: #C4C6E8; max-width: 40ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin: 1.8rem 0 1.4rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.4rem; font-size: .84rem; color: #BFC1E4; }
.hero-trust b { color: #fff; font-family: var(--mono); font-weight: 500; }
.hero-trust > div { display: flex; align-items: center; gap: .45rem; }

/* ------------------------------------------- SIGNATURE: the rate board card */
.board {
  background: #fff; color: var(--ink); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: hidden; position: relative;
}
.board-head { display: flex; align-items: center; justify-content: space-between; padding: 1.1rem 1.35rem .9rem; gap: 1rem; }
.board-head strong { font-family: var(--display); font-size: 1.06rem; letter-spacing: -.02em; }
.board-live { display: inline-flex; align-items: center; gap: .4rem; font-family: var(--mono); font-size: .68rem;
  letter-spacing: .1em; text-transform: uppercase; color: var(--mint); }
.board-live .pulse { background: var(--mint); animation-name: pulse-mint; }
@keyframes pulse-mint { 0%,100% { box-shadow: 0 0 0 0 rgba(14,158,110,.55); } 50% { box-shadow: 0 0 0 7px rgba(14,158,110,0); } }
.board-tabs { display: flex; gap: .25rem; padding: 0 1.35rem; border-bottom: 1px solid var(--line); }
.board-tabs button {
  background: none; border: 0; padding: .6rem .1rem 1rem; margin-right: 1.35rem; cursor: pointer;
  font-weight: 600; font-size: .88rem; color: var(--muted); position: relative;
}
.board-tabs button::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 2.5px;
  background: var(--brand); border-radius: 2px 2px 0 0; transform: scaleX(0); transition: transform .25s var(--ease);
}
.board-tabs button[aria-selected="true"] { color: var(--ink); }
.board-tabs button[aria-selected="true"]::after { transform: scaleX(1); }
.board-rows { padding: .35rem 0; }
.board-row {
  display: grid; grid-template-columns: 1fr auto auto; align-items: center; gap: 1rem;
  padding: .78rem 1.35rem; transition: background .15s;
}
.board-row:hover { background: var(--paper); }
.board-row + .board-row { border-top: 1px solid var(--line); }
.board-term { font-weight: 650; font-size: .95rem; }
.board-term small { display: block; font-weight: 400; font-size: .76rem; color: var(--muted); }
.board-rate { font-family: var(--mono); font-size: 1.42rem; font-weight: 600; letter-spacing: -.04em; font-variant-numeric: tabular-nums; }
.board-rate sup { font-size: .62em; font-weight: 500; margin-left: 1px; }
.board-row .mini { font-size: .74rem; padding: .28rem .6rem; border-radius: 999px; background: var(--paper); color: var(--muted); font-weight: 600; }
.board-row.best .mini { background: var(--mint-soft); color: var(--mint); }
.board-foot { padding: 1rem 1.35rem 1.3rem; border-top: 1px solid var(--line); background: linear-gradient(180deg,#fff,var(--paper)); }
.board-foot small { display: block; margin-top: .7rem; color: var(--muted); font-size: .76rem; text-align: center; }

/* number roll-in */
.roll { display: inline-block; }
@keyframes rollIn { from { opacity: 0; transform: translateY(.4em); } to { opacity: 1; transform: none; } }
.roll.animate { animation: rollIn .5s var(--ease) both; }

/* ------------------------------------------------------------------ marquee */
.marquee { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; gap: 3rem; width: max-content; animation: slide 42s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes slide { to { transform: translateX(-50%); } }
.marquee-item {
  font-family: var(--display); font-weight: 700; font-size: 1.05rem; letter-spacing: -.02em;
  color: #8B97AE; white-space: nowrap; display: flex; align-items: center; gap: .5rem; opacity: .9;
}
.marquee-item::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--line); }

/* -------------------------------------------------------------------- cards */
.grid { display: grid; gap: 1.15rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.5rem; transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }

.svc { display: flex; flex-direction: column; position: relative; overflow: hidden; }
.svc .ico {
  width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center;
  background: var(--brand-soft); color: var(--brand); margin-bottom: 1rem; flex: none;
}
.svc .ico svg { width: 21px; height: 21px; }
.svc h3 { margin-bottom: .4rem; }
.svc p { color: var(--muted); font-size: .93rem; margin-bottom: 1rem; }
.svc .go { margin-top: auto; font-weight: 700; font-size: .88rem; color: var(--brand); display: inline-flex; gap: .35rem; align-items: center; }
.svc:hover .go svg { transform: translateX(3px); }
.svc .go svg { width: 15px; height: 15px; transition: transform .2s var(--ease); }
.svc::after {
  content: ''; position: absolute; inset: auto -30% -60% auto; width: 180px; height: 180px; border-radius: 50%;
  background: radial-gradient(circle, rgba(8,3,148,.07), transparent 68%); opacity: 0; transition: opacity .3s;
}
.svc:hover::after { opacity: 1; }

/* step / how it works */
.steps-3 { counter-reset: s; }
.steps-3 .card { position: relative; padding-top: 2.6rem; }
.steps-3 .card::before {
  counter-increment: s; content: counter(s, decimal-leading-zero);
  position: absolute; top: 1.3rem; left: 1.5rem;
  font-family: var(--mono); font-size: .74rem; color: var(--brand); letter-spacing: .1em;
}

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border-radius: var(--radius); overflow: hidden; }
.stat { background: #fff; padding: 1.6rem 1.3rem; }
.bg-ink .stats { background: rgba(255,255,255,.1); }
.bg-ink .stat { background: var(--ink); }
.stat b { display: block; font-family: var(--mono); font-size: clamp(1.6rem,2.6vw,2.1rem); font-weight: 600; letter-spacing: -.045em; }
.stat span { font-size: .84rem; color: var(--muted); }
.bg-ink .stat span { color: #9A9CC4; }

/* -------------------------------------------------------------- rate tables */
.rt-wrap { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; }
.rt { width: 100%; border-collapse: collapse; }
.rt th {
  text-align: left; font-family: var(--mono); font-size: .68rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--muted); font-weight: 500; padding: .9rem 1.1rem; background: var(--paper); border-bottom: 1px solid var(--line); white-space: nowrap;
}
.rt td { padding: 1rem 1.1rem; border-bottom: 1px solid var(--line); vertical-align: middle; }
.rt tr:last-child td { border-bottom: 0; }
.rt tbody tr { transition: background .15s; }
.rt tbody tr:hover { background: #FBFCFD; }
.rt .lender b { display: block; font-size: .97rem; }
.rt .lender span { font-size: .78rem; color: var(--muted); }
.rt .num { font-family: var(--mono); font-variant-numeric: tabular-nums; font-weight: 600; font-size: 1.24rem; letter-spacing: -.04em; }
.rt .apr { font-family: var(--mono); font-size: .88rem; color: var(--muted); }
.tag {
  display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  padding: .24rem .55rem; border-radius: 6px; background: var(--paper); color: var(--muted);
}
.tag.fixed { background: var(--brand-soft); color: #3F51B5; }
.tag.variable { background: var(--mint-soft); color: var(--mint); }
.tag.best { background: var(--brand); color: #fff; }
.filters { display: flex; flex-wrap: wrap; gap: .6rem; align-items: end; margin-bottom: 1.4rem; }
.field { display: flex; flex-direction: column; gap: .3rem; }
.field label { font-size: .76rem; font-weight: 700; color: var(--muted); letter-spacing: .02em; }
.field select, .field input {
  padding: .7rem .9rem; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; min-width: 150px;
  transition: border-color .18s, box-shadow .18s;
}
.field select:focus, .field input:focus { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(8,3,148,.1); outline: 0; }

/* ------------------------------------------------------- multi-step form UI */
.applyshell { background: var(--paper); min-height: 100vh; padding: 2rem 0 4rem; }
.applycard {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow);
  max-width: 720px; margin-inline: auto; overflow: hidden;
}
.progress-rail { height: 5px; background: var(--line); position: relative; }
.progress-bar { height: 100%; width: 0; background: linear-gradient(90deg, var(--brand-deep), var(--brand)); transition: width .45s var(--ease); }
.progress-meta { display: flex; justify-content: space-between; align-items: center; padding: 1.05rem 1.6rem .2rem; }
.progress-meta span { font-family: var(--mono); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.progress-meta .save { color: var(--mint); display: none; align-items: center; gap: .35rem; }
.progress-meta .save.show { display: inline-flex; animation: rollIn .3s var(--ease); }

.step { padding: .6rem 1.6rem 1.8rem; display: none; }
.step.active { display: block; animation: stepIn .38s var(--ease) both; }
@keyframes stepIn { from { opacity: 0; transform: translateX(18px); } to { opacity: 1; transform: none; } }
.step.back.active { animation-name: stepInBack; }
@keyframes stepInBack { from { opacity: 0; transform: translateX(-18px); } to { opacity: 1; transform: none; } }
.step h2 { font-size: clamp(1.4rem, 2.6vw, 1.85rem); margin-bottom: .3rem; }
.step > p.sub { color: var(--muted); font-size: .95rem; margin-bottom: 1.5rem; }

.optgrid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: .7rem; }
.opt {
  position: relative; border: 1.5px solid var(--line); border-radius: var(--radius); padding: 1rem 1.05rem;
  cursor: pointer; transition: all .2s var(--ease); background: #fff; display: flex; gap: .8rem; align-items: flex-start;
}
.opt:hover { border-color: #C3CBDA; transform: translateY(-2px); }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt .tick {
  width: 20px; height: 20px; border-radius: 50%; border: 1.8px solid var(--line); flex: none; margin-top: 2px;
  display: grid; place-items: center; transition: all .2s var(--ease);
}
.opt .tick::after { content: ''; width: 8px; height: 8px; border-radius: 50%; background: #fff; transform: scale(0); transition: transform .2s var(--ease); }
.opt b { display: block; font-size: .95rem; font-weight: 650; }
.opt small { color: var(--muted); font-size: .82rem; line-height: 1.45; display: block; margin-top: .15rem; }
.opt:has(input:checked) { border-color: var(--brand); background: var(--brand-soft); box-shadow: 0 0 0 3px rgba(8,3,148,.09); }
.opt:has(input:checked) .tick { border-color: var(--brand); background: var(--brand); }
.opt:has(input:checked) .tick::after { transform: scale(1); }

.fieldrow { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: .9rem; }
.ff { margin-bottom: 1rem; position: relative; }
.ff label { display: block; font-size: .84rem; font-weight: 700; margin-bottom: .38rem; }
.ff .req { color: var(--error); margin-left: 2px; }
.ff input, .ff select, .ff textarea {
  width: 100%; padding: .92rem 1rem; border: 1.5px solid var(--line); border-radius: 11px; background: #fff;
  transition: border-color .18s, box-shadow .18s;
}
.ff .prefix { position: relative; }
.ff .prefix input { padding-left: 2rem; }
.ff .prefix::before { content: '$'; position: absolute; left: .95rem; top: 50%; translate: 0 -50%; color: var(--muted); font-family: var(--mono); }
.ff input:focus, .ff select:focus, .ff textarea:focus { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(8,3,148,.1); outline: 0; }
.ff .hint { font-size: .78rem; color: var(--muted); margin-top: .35rem; }
.ff.invalid input, .ff.invalid select, .ff.invalid textarea { border-color: var(--error); background: #FFFBFB; }
.ff .err { display: none; color: var(--error); font-size: .8rem; font-weight: 600; margin-top: .35rem; }
.ff.invalid .err { display: block; animation: shake .34s; }
@keyframes shake { 25% { transform: translateX(-4px); } 50% { transform: translateX(4px); } 75% { transform: translateX(-2px); } }

.consent { display: flex; gap: .75rem; align-items: flex-start; padding: 1rem; background: var(--paper); border-radius: 12px; font-size: .85rem; color: var(--muted); line-height: 1.55; }
.consent input { width: 19px; height: 19px; accent-color: var(--brand); margin-top: 1px; flex: none; }
.consent.invalid { background: var(--error-soft); box-shadow: inset 0 0 0 1.5px var(--error); }

.step-nav { display: flex; gap: .8rem; align-items: center; margin-top: 1.6rem; }
.step-nav .btn { flex: 1; }
.step-nav .back { flex: none; background: none; border: 0; color: var(--muted); font-weight: 700; cursor: pointer; padding: .95rem 1rem; border-radius: 999px; }
.step-nav .back:hover { background: var(--paper); color: var(--ink); }

.review dl { display: grid; grid-template-columns: auto 1fr; gap: .55rem 1.2rem; margin: 0 0 1.4rem; font-size: .92rem; }
.review dt { color: var(--muted); }
.review dd { margin: 0; font-weight: 600; text-align: right; }
.trust-strip { display: flex; flex-wrap: wrap; gap: 1.1rem; justify-content: center; padding: 1rem 1.6rem 1.6rem; font-size: .78rem; color: var(--muted); }
.trust-strip div { display: flex; align-items: center; gap: .35rem; }
.trust-strip svg { width: 14px; height: 14px; color: var(--mint); }

/* --------------------------------------------------------------- accordion */
.acc { border-top: 1px solid var(--line); }
.acc details { border-bottom: 1px solid var(--line); }
.acc summary {
  padding: 1.25rem .2rem; cursor: pointer; font-weight: 650; font-size: 1.02rem; list-style: none;
  display: flex; justify-content: space-between; gap: 1.5rem; align-items: flex-start;
}
.acc summary::-webkit-details-marker { display: none; }
.acc summary::after {
  content: ''; flex: none; width: 11px; height: 11px; margin-top: .4rem;
  border-right: 2px solid var(--brand); border-bottom: 2px solid var(--brand);
  transform: rotate(45deg); transition: transform .25s var(--ease);
}
.acc details[open] summary::after { transform: rotate(-135deg); }
.acc .answer { padding: 0 3rem 1.4rem .2rem; color: var(--muted); animation: fadeUp .3s var(--ease); }

/* ------------------------------------------------------------ testimonials */
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; display: flex; flex-direction: column; }
.stars { color: var(--gold-text); letter-spacing: .1em; font-size: .95rem; margin-bottom: .8rem; }
.quote p { font-size: .97rem; line-height: 1.62; }
.quote footer { margin-top: auto; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .85rem; }
.quote footer b { display: block; }
.quote footer span { color: var(--muted); }

/* --------------------------------------------------------------------- CTA */
.cta-band { position: relative; overflow: hidden; background: var(--ink); color: #fff; border-radius: var(--radius-lg); padding: clamp(2.4rem,5vw,3.6rem); }
.cta-band::before {
  content: ''; position: absolute; inset: -50% -20% auto auto; width: 60%; height: 200%;
  background: radial-gradient(circle at 60% 40%, rgba(201,148,6,.40), transparent 62%);
}
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; max-width: 18ch; }

/* ------------------------------------------------------------------ footer */
.site-foot { background: var(--ink); color: #9A9CC4; padding: clamp(3rem,5vw,4.5rem) 0 2rem; font-size: .9rem; }
.foot-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 2.4rem; padding-bottom: 2.4rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.site-foot h4 { color: #fff; font-size: .74rem; font-family: var(--mono); letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1rem; }
.site-foot a { display: block; padding: .3rem 0; transition: color .16s; }
.site-foot a:hover { color: #fff; }
.site-foot .brand { color: #fff; margin-bottom: 1rem; }
.foot-contact strong { color: #fff; display: block; font-family: var(--mono); font-size: 1.05rem; letter-spacing: -.02em; }
.socials { display: flex; gap: .6rem; margin-top: 1.2rem; }
.socials a { width: 36px; height: 36px; border-radius: 10px; background: rgba(255,255,255,.07); display: grid; place-items: center; padding: 0; }
.socials a:hover { background: var(--brand); color: #fff; }
.socials svg { width: 16px; height: 16px; }
.foot-legal { padding-top: 1.6rem; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; font-size: .78rem; color: #6B7A94; }
.foot-legal p { max-width: 68ch; margin: 0; }

/* sticky mobile CTA */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; display: none;
  padding: .7rem .9rem calc(.7rem + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.94); backdrop-filter: blur(12px); border-top: 1px solid var(--line);
  gap: .6rem; transform: translateY(120%); transition: transform .3s var(--ease);
}
.sticky-cta.show { transform: none; }
.sticky-cta .btn { flex: 1; }

/* ------------------------------------------------------------------ reveal */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* article body */
.prose { max-width: 68ch; }
.prose h3 { margin-top: 2rem; }
.prose p { line-height: 1.75; }
.prose ul { padding-left: 1.1rem; }
.prose li { margin-bottom: .5rem; }

.badge-row { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.2rem; }
.badge { font-size: .74rem; font-weight: 700; padding: .34rem .7rem; border-radius: 999px; background: var(--paper); color: var(--muted); }
.badge.on { background: var(--mint-soft); color: var(--mint); }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { display: flex; gap: .7rem; align-items: flex-start; padding: .5rem 0; font-size: .96rem; }
.checklist svg { width: 19px; height: 19px; color: var(--mint); flex: none; margin-top: 2px; }

.pagehead { padding: clamp(2.6rem,5vw,4rem) 0 clamp(1.6rem,3vw,2.4rem); border-bottom: 1px solid var(--line); }
.crumbs { font-size: .8rem; color: var(--muted); margin-bottom: .8rem; }
.crumbs a:hover { color: var(--brand); }

/* ------------------------------------------------------------- responsive  */
@media (max-width: 1040px) {
  .hero-grid { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 880px) {
  .mainnav, .head-phone { display: none; }
  .burger, .mobilenav { display: block; }
  .grid-3 { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .sticky-cta { display: flex; }
  .head-cta .btn { display: none; }
  .rt-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .rt { min-width: 640px; }
  body { padding-bottom: 74px; }
}
@media (max-width: 620px) {
  .grid-2, .grid-4 { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr; gap: 1.6rem; }
  .step { padding-inline: 1.15rem; }
  .progress-meta { padding-inline: 1.15rem; }
  .board-row { grid-template-columns: 1fr auto; }
  .board-row .mini { display: none; }
  .review dd { text-align: left; }
  .review dl { grid-template-columns: 1fr; gap: .1rem 0; }
  .review dd { margin-bottom: .6rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-head, .site-foot, .sticky-cta, .announce { display: none; }
}