/* ==========================================================================
   Design DNA — [APP_NAME] landing
   1. Aqua freshness: #E8F6FC canvas, #00A8A8 accent — transparency, calm.
   2. Glass cards: rgba(255,255,255,0.6) + blur — light vs heavy fintech.
   3. Sora + tight tracking: bold headlines, airy section rhythm.
   4. Calculator-first: estimate before you connect with lenders.
   5. Soft CTAs: informational, no urgency pressure.
   ========================================================================== */

:root {
  --bg: #e8f6fc;
  --bg-deep: #d4eef8;
  --card: rgba(255, 255, 255, 0.62);
  --card-solid: #ffffff;
  --text: #0a112a;
  --text-muted: #3d4a66;
  --accent: #00a8a8;
  --accent-dark: #03444a;
  --accent-soft: rgba(0, 168, 168, 0.14);
  --dash: #03444a;
  --radius-sm: 14px;
  --radius-md: 20px;
  --radius-pill: 999px;
  --shadow-soft: 0 18px 50px rgba(3, 68, 74, 0.08);
  --shadow-lift: 0 28px 60px rgba(3, 68, 74, 0.12);
  --font: "Sora", system-ui, sans-serif;
  --max: 1180px;
  --header-h: 88px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: clip;
  max-width: 100vw;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  overflow-x: clip;
  max-width: 100vw;
  position: relative;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  width: 100vw;
  max-width: 100%;
  pointer-events: none;
  background:
    radial-gradient(ellipse 80% 50% at 10% 0%, rgba(0, 168, 168, 0.12), transparent 55%),
    radial-gradient(ellipse 60% 40% at 95% 20%, rgba(3, 68, 74, 0.06), transparent 50%),
    repeating-linear-gradient(
      90deg,
      transparent,
      transparent 79px,
      rgba(3, 68, 74, 0.03) 79px,
      rgba(3, 68, 74, 0.03) 80px
    );
  z-index: -1;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--accent-dark);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--accent);
}

.shell {
  width: min(var(--max), calc(100% - 40px));
  margin-inline: auto;
}

@media (max-width: 768px) {
  .shell {
    width: min(var(--max), calc(100% - 28px));
  }
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: rgba(232, 246, 252, 0.82);
  backdrop-filter: blur(14px);
}

.site-header .shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.brand-logo {
  display: block;
  height: 64px;
  width: auto;
  max-width: min(320px, 70vw);
  object-fit: contain;
  border-radius: 14px;
}

.site-footer .brand-logo {
  height: 56px;
  border-radius: 12px;
}

.brand-mark {
  width: 36px;
  height: 36px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  display: grid;
  place-items: center;
  color: #fff;
  font-size: 0.75rem;
  font-weight: 800;
}

/* Pill navigation — icon + label always visible, no outer frame */
.nav-pill {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 0;
  background: transparent;
  border-radius: 0;
  box-shadow: none;
}

.nav-pill__item {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 16px 10px 12px;
  border-radius: var(--radius-pill);
  color: var(--accent-dark);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  background: transparent;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}

.nav-pill__item:hover {
  color: var(--accent-dark);
  background: rgba(0, 168, 168, 0.1);
}

.nav-pill__item.is-active {
  background: #fff;
  color: var(--accent-dark);
  box-shadow: 0 4px 14px rgba(3, 68, 74, 0.1);
}

.nav-pill__icon {
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  flex-shrink: 0;
}

.nav-pill__icon svg {
  width: 22px;
  height: 22px;
}

.nav-pill__label {
  white-space: nowrap;
}

.nav-cta {
  flex-shrink: 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--radius-pill);
  font-family: var(--font);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

.btn--primary {
  background: var(--accent-dark);
  color: #fff;
  box-shadow: 0 10px 28px rgba(3, 68, 74, 0.22);
}

.btn--primary:hover {
  background: #023338;
  transform: scale(1.03);
  color: #fff;
}

.btn--ghost {
  background: transparent;
  color: var(--accent-dark);
  border: 1.5px solid var(--accent-dark);
}

.btn--ghost:hover {
  background: var(--accent-soft);
  transform: scale(1.02);
  color: var(--accent-dark);
}

.btn--accent {
  background: var(--accent);
  color: #fff;
}

.btn .btn-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  display: block;
}

.btn--accent:hover {
  background: #009494;
  transform: scale(1.03);
  color: #fff;
}

.menu-toggle {
  display: none;
  position: relative;
  width: 44px;
  height: 44px;
  border: none;
  border-radius: 12px;
  background: var(--card);
  cursor: pointer;
  padding: 0;
}

.menu-toggle span {
  display: block;
  position: absolute;
  left: 50%;
  width: 20px;
  height: 2px;
  margin-left: -10px;
  background: var(--accent-dark);
  border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.2s ease, top 0.25s ease;
}

.menu-toggle span:nth-child(1) {
  top: 14px;
}

.menu-toggle span:nth-child(2) {
  top: 21px;
}

.menu-toggle span:nth-child(3) {
  top: 28px;
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  top: 21px;
  transform: rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  top: 21px;
  transform: rotate(-45deg);
}

/* Hero — asymmetric 3 columns */
.hero {
  padding: 48px 0 32px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 28px;
  align-items: stretch;
}

.hero-copy,
.trust-stack {
  align-self: center;
}

.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border: 1.5px dashed var(--dash);
  border-radius: var(--radius-pill);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent-dark);
  margin-bottom: 18px;
}

.hero h1 {
  margin: 0 0 16px;
  font-size: clamp(2rem, 4.8vw, 3.35rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
  font-weight: 700;
}

.hero-lead {
  margin: 0 0 22px;
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 34ch;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 14px;
}

.hero-micro {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin: 0;
}

.hero-micro strong {
  color: var(--accent-dark);
}

.range-wrap {
  margin-bottom: 8px;
}

.range-wrap label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent-dark);
  margin-bottom: 6px;
}

input[type="range"] {
  width: 100%;
  height: 10px;
  appearance: none;
  border-radius: var(--radius-pill);
  background: linear-gradient(
    to right,
    var(--accent) 0%,
    var(--accent) var(--pct, 50%),
    rgba(0, 168, 168, 0.2) var(--pct, 50%),
    rgba(0, 168, 168, 0.2) 100%
  );
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 28px;
  height: 18px;
  border-radius: var(--radius-pill);
  background: var(--accent-dark);
  box-shadow: 0 4px 12px rgba(3, 68, 74, 0.25);
}

.hero-mockup {
  display: flex;
  justify-content: center;
  align-items: center;
  align-self: center;
  position: relative;
  padding: 12px 0;
}

.hero-mockup::before {
  content: "";
  position: absolute;
  inset: 6% 8%;
  background: radial-gradient(ellipse at center, rgba(3, 68, 74, 0.14) 0%, transparent 72%);
  z-index: 0;
  pointer-events: none;
}

.hero-phone {
  --phone-width: clamp(248px, 20vw, 292px);
  --phone-pad-block: 11px;
  --phone-pad-inline: 9px;
  --phone-radius: 52px;
  --screen-radius: 38px;
  --island-top: 11px;
  --island-height: 24px;
  --island-min: 72px;
  --island-max: 96px;
  --island-radius: 18px;
  --btn-offset: 3px;
  --btn-left-top: 92px;
  --btn-left-height: 24px;
  --btn-left-gap-1: 38px;
  --btn-left-gap-2: 72px;
  --btn-right-top: 118px;
  --btn-right-height: 52px;
  --screen-max-height: clamp(400px, 66vh, 600px);
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  width: var(--phone-width);
  padding: var(--phone-pad-block) var(--phone-pad-inline);
  border-radius: var(--phone-radius);
  background:
    linear-gradient(
      155deg,
      rgba(255, 255, 255, 0.22) 0%,
      transparent 28%
    ),
    linear-gradient(165deg, #4a4a4e 0%, #2c2c2e 22%, #141416 55%, #1e1e20 100%);
  border: 1.5px solid rgba(255, 255, 255, 0.26);
  box-shadow:
    0 0 0 0.5px rgba(0, 0, 0, 0.65),
    0 32px 64px rgba(0, 0, 0, 0.26),
    0 14px 32px rgba(3, 68, 74, 0.14),
    inset 0 1px 1px rgba(255, 255, 255, 0.22),
    inset 0 -1px 2px rgba(0, 0, 0, 0.45);
}

.hero-phone::before {
  content: "";
  position: absolute;
  left: calc(-1 * var(--btn-offset));
  top: var(--btn-left-top);
  width: var(--btn-offset);
  height: var(--btn-left-height);
  border-radius: 2px 0 0 2px;
  background: linear-gradient(180deg, #5c5c5e, #2c2c2e);
  box-shadow:
    0 var(--btn-left-gap-1) 0 0 #3a3a3c,
    0 var(--btn-left-gap-2) 0 0 #3a3a3c;
}

.hero-phone::after {
  content: "";
  position: absolute;
  right: calc(-1 * var(--btn-offset));
  top: var(--btn-right-top);
  width: var(--btn-offset);
  height: var(--btn-right-height);
  border-radius: 0 2px 2px 0;
  background: linear-gradient(180deg, #5c5c5e, #2c2c2e);
}

.hero-phone__screen {
  position: relative;
  overflow: hidden;
  width: 100%;
  border-radius: var(--screen-radius);
  background: #000;
  box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.5);
  line-height: 0;
}

.hero-phone__island {
  position: absolute;
  top: var(--island-top);
  left: 50%;
  z-index: 2;
  width: 31%;
  min-width: var(--island-min);
  max-width: var(--island-max);
  height: var(--island-height);
  border-radius: var(--island-radius);
  transform: translateX(-50%);
  background: #000;
  box-shadow:
    inset 0 0 0 1px rgba(255, 255, 255, 0.05),
    0 1px 3px rgba(0, 0, 0, 0.35);
  pointer-events: none;
}

.hero-phone__screen img {
  display: block;
  width: 100%;
  height: auto;
  max-height: var(--screen-max-height);
  object-fit: cover;
  object-position: center top;
}

/* Trust column */
.trust-stack {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.trust-card {
  display: flex;
  gap: 14px;
  align-items: center;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  background: transparent;
  border: 0;
  box-shadow: none;
  backdrop-filter: none;
  transition: transform 0.25s ease;
}

.trust-card:hover {
  transform: translateY(-4px);
}

.trust-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
}

.trust-icon img {
  width: 44px;
  height: 44px;
  object-fit: contain;
}

.trust-card h3 {
  margin: 0 0 4px;
  font-size: 0.92rem;
  font-weight: 700;
}

.trust-card p {
  margin: 0;
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.45;
}

/* Terms strip */
.terms-strip {
  margin: 28px 0 56px;
  padding: 20px 24px;
  border-radius: var(--radius-md);
  background: var(--accent-dark);
  color: #fff;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  text-align: center;
}

.terms-strip dt {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  opacity: 0.75;
  margin-bottom: 4px;
}

.terms-strip dd {
  margin: 0;
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.terms-strip small {
  display: block;
  grid-column: 1 / -1;
  font-size: 0.78rem;
  opacity: 0.85;
  text-align: center;
  margin-top: 4px;
}

/* Icon placeholders — Generate: images/icons/; Ready: existing images/ root */
.icon-ph {
  position: relative;
  width: 72px;
  height: 72px;
  flex-shrink: 0;
  border-radius: 18px;
  border: 2px dashed rgba(3, 68, 74, 0.35);
  background: linear-gradient(145deg, rgba(0, 168, 168, 0.08), rgba(255, 255, 255, 0.5));
  display: grid;
  place-items: center;
  overflow: hidden;
}

.icon-ph--sm {
  width: 48px;
  height: 48px;
  border-radius: 14px;
}

.icon-ph--md {
  width: 64px;
  height: 64px;
}

.icon-ph--lg {
  width: 96px;
  height: 96px;
  border-radius: 22px;
}

.icon-ph--xl {
  width: min(220px, 100%);
  height: auto;
  aspect-ratio: 1;
  border-radius: 24px;
}

.icon-ph img {
  width: 88%;
  height: 88%;
  object-fit: contain;
  filter: drop-shadow(0 8px 16px rgba(3, 68, 74, 0.12));
}

.icon-ph.is-loaded {
  border-style: solid;
  border-color: transparent;
  background: transparent;
}

.icon-ph.is-loaded img {
  width: 100%;
  height: 100%;
}

.icon-ph__status {
  position: absolute;
  top: 6px;
  left: 50%;
  transform: translateX(-50%);
  font-size: 0.52rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  white-space: nowrap;
  pointer-events: none;
}

.icon-ph__status--ready {
  color: var(--accent-dark);
  opacity: 0.55;
}

.icon-ph__hint {
  position: absolute;
  inset: auto 6px 8px;
  font-size: 0.58rem;
  line-height: 1.35;
  font-weight: 500;
  text-align: center;
  color: var(--accent-dark);
  opacity: 0.72;
  pointer-events: none;
  display: -webkit-box;
  -webkit-line-clamp: 4;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.icon-ph.is-loaded .icon-ph__status,
.icon-ph.is-loaded .icon-ph__hint {
  display: none;
}

.icon-ph--lg .icon-ph__hint {
  font-size: 0.62rem;
  inset: auto 10px 12px;
}

.icon-ph--xl .icon-ph__hint {
  font-size: 0.68rem;
  max-width: 85%;
  margin-inline: auto;
  left: 0;
  right: 0;
}

.icon-ph.is-loaded img {
  opacity: 1;
}

.icon-ph:not(.is-loaded) img {
  opacity: 0;
  position: absolute;
}

/* Friendly sections */
.section--compact {
  padding: 32px 0 16px;
}

.section-header--center {
  text-align: center;
  margin-inline: auto;
}

.section-title--sm {
  font-size: clamp(1.35rem, 2.8vw, 1.75rem);
}

.friendly-banner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: center;
  padding: 28px 32px;
  border-radius: var(--radius-md);
  background: var(--card);
  backdrop-filter: blur(14px);
  border: 2px dashed var(--dash);
  box-shadow: var(--shadow-soft);
}

.friendly-banner__icon {
  width: 120px;
  height: 120px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.friendly-banner__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}

.friendly-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.friendly-card {
  padding: 22px 18px;
  border-radius: var(--radius-md);
  background: var(--card);
  backdrop-filter: blur(12px);
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.friendly-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lift);
}

.friendly-card .icon-ph {
  margin: 0 auto 14px;
}

.friendly-card h3 {
  margin: 0 0 8px;
  font-size: 0.95rem;
}

.friendly-card p {
  margin: 0;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.45;
}

.checklist-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}

.checklist-list {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.checklist-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  background: var(--card-solid);
  border: 1px solid rgba(3, 68, 74, 0.06);
}

.checklist-list strong {
  display: block;
  font-size: 0.92rem;
  margin-bottom: 4px;
  color: var(--accent-dark);
}

.checklist-list span {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.checklist-visual {
  display: grid;
  place-items: center;
}

.checklist-visual .icon-ph {
  width: min(240px, 100%);
}

.checklist-visual {
  overflow: hidden;
}

.checklist-visual__img {
  width: clamp(220px, 26vw, 320px);
  max-width: 100%;
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 20px 40px rgba(3, 68, 74, 0.18));
  animation: checklistFloat 6.5s ease-in-out infinite;
  will-change: transform;
}

@keyframes checklistFloat {
  0%,
  100% {
    transform: translateY(0) rotate(0deg);
  }
  50% {
    transform: translateY(-10px) rotate(1.5deg);
  }
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.faq-item {
  padding: 0;
  border-radius: var(--radius-sm);
  background: var(--card-solid);
  border: 1px solid rgba(3, 68, 74, 0.08);
  overflow: hidden;
  transition: box-shadow 0.2s ease;
}

.faq-item:hover {
  box-shadow: var(--shadow-soft);
}

.faq-item summary {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.92rem;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  margin-left: auto;
  font-size: 1.2rem;
  color: var(--accent);
  font-weight: 700;
}

.faq-item[open] summary::after {
  content: "−";
}

.faq-item p {
  margin: 0;
  padding: 0 18px 16px 76px;
  font-size: 0.86rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.help-panel {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 36px;
  align-items: center;
  padding: 36px 40px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.75), rgba(0, 168, 168, 0.08));
  border: 2px dashed var(--dash);
}

.help-panel__icons {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.help-panel__icons .icon-ph {
  border: none;
  background: transparent;
  overflow: visible;
  width: 88px;
  height: 88px;
}

.help-panel__icons .icon-ph img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.help-panel__icons .icon-ph__status,
.help-panel__icons .icon-ph__hint {
  display: none;
}

.help-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 20px;
}

.why-card .icon-ph {
  margin-bottom: 14px;
}

/* Sections — alternate: default white, --offset greenish tint */
.section {
  padding: 64px 0;
  background: var(--card-solid);
}

.section--offset {
  background: var(--bg);
}

.section-header {
  max-width: 620px;
  margin-bottom: 40px;
}

.section-kicker {
  display: inline-block;
  font-family: var(--font);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 10px;
}

.section-title {
  margin: 0 0 12px;
  font-size: clamp(1.6rem, 3.5vw, 2.35rem);
  letter-spacing: -0.03em;
  line-height: 1.15;
}

.section-text {
  margin: 0;
  color: var(--text-muted);
}

/* Full calculator */
.calculator-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}

.calc-widget {
  display: flex;
  flex-direction: column;
  padding: 28px;
  border-radius: var(--radius-md);
  background: var(--card);
  backdrop-filter: blur(18px);
  border: 2px dashed var(--dash);
  box-shadow: var(--shadow-soft);
}

.calc-result {
  padding: 22px 24px;
  margin-bottom: 24px;
  border-radius: var(--radius-sm);
  background: linear-gradient(145deg, var(--accent-dark), #045a62);
  color: #fff;
  box-shadow: var(--shadow-lift);
}

.calc-widget__cta {
  width: 100%;
  margin-top: 8px;
}

.calc-mockup {
  display: flex;
  justify-content: center;
  align-items: flex-start;
  width: 100%;
  height: var(--calc-widget-height, auto);
  max-height: var(--calc-widget-height, none);
  overflow: hidden;
}

.calc-mockup__img {
  display: block;
  height: auto;
  max-height: 100%;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  object-position: top center;
  border-radius: 12px;
  filter: drop-shadow(0 20px 40px rgba(3, 68, 74, 0.18));
}

.calc-output-label {
  font-size: 0.8rem;
  opacity: 0.8;
  margin-bottom: 8px;
}

.calc-output-value {
  font-size: clamp(2.5rem, 6vw, 3.4rem);
  font-weight: 700;
  letter-spacing: -0.04em;
  margin-bottom: 16px;
  transition: transform 0.15s ease;
}

.calc-output-value.pulse {
  transform: scale(1.04);
}

.calc-output-meta {
  font-size: 0.85rem;
  opacity: 0.9;
  line-height: 1.5;
}

.calc-field {
  margin-bottom: 20px;
}

.calc-field:last-child {
  margin-bottom: 0;
}

/* Transparency */
.transparency-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 36px;
  align-items: stretch;
}

.transparency-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
  height: 100%;
}

.disclosure-box {
  padding: 24px;
  border-radius: var(--radius-md);
  border-left: 4px solid var(--accent);
  background: var(--card);
  backdrop-filter: blur(12px);
}

.disclosure-box p {
  margin: 0 0 12px;
  font-size: 0.92rem;
  color: var(--text-muted);
}

.disclosure-box p:last-child {
  margin-bottom: 0;
}

.disclosure-box a,
.disclosures-panel a,
.terms-strip small a,
.services-note a,
.footer-disclaimer a {
  color: var(--accent);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.disclosure-box a:hover,
.disclosures-panel a:hover {
  color: var(--accent-dark);
}

.terms-strip small a:hover {
  color: #fff;
}

/* What we provide */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.service-card {
  padding: 22px 20px;
  border-radius: var(--radius-sm);
  background: var(--card-solid);
  border: 1px solid rgba(3, 68, 74, 0.08);
  box-shadow: var(--shadow-soft);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lift);
}

.service-card__icon {
  width: 56px;
  height: 56px;
  margin-bottom: 14px;
  display: grid;
  place-items: center;
}

.service-card__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  filter: drop-shadow(0 6px 12px rgba(3, 68, 74, 0.1));
}

.service-card h3 {
  margin: 0 0 8px;
  font-size: 1rem;
  color: var(--accent-dark);
}

.service-card p {
  margin: 0;
  font-size: 0.86rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.services-note {
  margin: 28px auto 0;
  max-width: 720px;
  text-align: center;
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.55;
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  background: rgba(0, 168, 168, 0.06);
  border: 1px dashed var(--dash);
}

/* What we do not provide */
.limitations-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.limitations-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 20px;
  border-radius: var(--radius-sm);
  background: var(--card);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(3, 68, 74, 0.08);
}

.limitations-list__mark {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
}

.limitations-list__mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}

.limitations-list strong {
  display: block;
  font-size: 0.92rem;
  margin-bottom: 6px;
  color: var(--accent-dark);
}

.limitations-list span {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.limitations-footnote {
  margin-top: 24px;
  text-align: center;
}

#disclosures .section-header {
  max-width: none;
}

/* Expanded disclosures */
.disclosures-panel {
  width: 100%;
  padding: 28px 32px;
  border-radius: var(--radius-md);
  background: var(--card);
  backdrop-filter: blur(14px);
  border: 2px dashed var(--dash);
  box-shadow: var(--shadow-soft);
}

.disclosure-block {
  padding-bottom: 22px;
  margin-bottom: 22px;
  border-bottom: 1px solid rgba(3, 68, 74, 0.1);
}

.disclosure-block:last-child {
  padding-bottom: 0;
  margin-bottom: 0;
  border-bottom: none;
}

.disclosure-block h3 {
  margin: 0 0 12px;
  font-size: 1rem;
  color: var(--accent-dark);
  letter-spacing: -0.02em;
}

.disclosure-block p {
  margin: 0 0 12px;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.disclosure-block p:last-child {
  margin-bottom: 0;
}

.disclosure-block ul {
  margin: 0 0 12px;
  padding-left: 1.25em;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.disclosure-block li {
  margin-bottom: 6px;
}

.disclosure-block li:last-child {
  margin-bottom: 0;
}

.transparency-visual {
  overflow: hidden;
}

.transparency-visual__img {
  display: block;
  width: clamp(200px, 28vw, 320px);
  height: auto;
  max-width: 100%;
  margin-inline: auto;
  object-fit: contain;
  filter: drop-shadow(0 20px 40px rgba(3, 68, 74, 0.18));
  animation: transparencyFloat 7s ease-in-out infinite;
  will-change: transform;
}

@keyframes transparencyFloat {
  0%,
  100% {
    transform: translateY(0) rotate(0deg);
  }
  50% {
    transform: translateY(-12px) rotate(-1.5deg);
  }
}

/* APR comparison — horizontal cards */
.apr-rail {
  display: flex;
  gap: 16px;
  overflow-x: auto;
  padding: 18px 4px 20px;
  margin: -18px -4px -20px;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
}

.apr-card {
  flex: 0 0 min(280px, 85vw);
  scroll-snap-align: start;
  padding: 22px;
  border-radius: var(--radius-md);
  background: var(--card-solid);
  border: 1px solid rgba(3, 68, 74, 0.08);
  box-shadow: var(--shadow-soft);
  transition: transform 0.2s ease, background 0.2s ease;
}

.apr-card:hover,
.apr-card.is-active {
  transform: translateY(-6px);
  background: #fff;
  box-shadow: var(--shadow-lift);
  border-color: var(--accent);
}

.apr-card h3 {
  margin: 0 0 8px;
  font-size: 1rem;
}

.apr-value {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--accent-dark);
  margin-bottom: 8px;
}

.apr-card p {
  margin: 0;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* How it works — staggered */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.step {
  padding: 22px 18px;
  border-radius: var(--radius-sm);
  background: var(--card);
  backdrop-filter: blur(10px);
  position: relative;
}

.step:nth-child(2) {
  margin-top: 24px;
}

.step:nth-child(4) {
  margin-top: 16px;
}

.step-num {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 12px;
}

.step svg {
  width: 36px;
  height: 36px;
  margin-bottom: 14px;
  color: var(--accent-dark);
}

.step-icon {
  width: 56px;
  height: 56px;
  object-fit: contain;
  margin-bottom: 14px;
  display: block;
}

.step h3 {
  margin: 0 0 8px;
  font-size: 0.95rem;
}

.step p {
  margin: 0;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* App preview */
.preview-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 40px;
  align-items: center;
}

.preview-screens {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.preview-screens img {
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-soft);
  will-change: transform;
}

.preview-screens img:first-child {
  animation: previewFloatDown 6s ease-in-out infinite;
}

.preview-screens img:last-child {
  animation: previewFloatUp 6s ease-in-out infinite;
}

@keyframes previewFloatDown {
  0%,
  100% {
    transform: translateY(0);
  }
  25% {
    transform: translateY(22px);
  }
  75% {
    transform: translateY(-22px);
  }
}

@keyframes previewFloatUp {
  0%,
  100% {
    transform: translateY(0);
  }
  25% {
    transform: translateY(-22px);
  }
  75% {
    transform: translateY(22px);
  }
}

/* Why grid */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.why-card {
  padding: 24px;
  border-radius: var(--radius-md);
  background: var(--card);
  backdrop-filter: blur(12px);
}

.why-card h3 {
  margin: 0 0 10px;
  font-size: 1rem;
}

.why-card p {
  margin: 0;
  font-size: 0.88rem;
  color: var(--text-muted);
}

/* CTA band */
.cta-band {
  margin: 48px 0 0;
  padding: 48px 32px;
  border-radius: 24px;
  background: linear-gradient(120deg, var(--accent-dark) 0%, #056870 100%);
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(16px, 4vw, 40px);
}

.cta-band__content {
  flex: 0 1 auto;
  position: relative;
  z-index: 1;
}

.cta-band__deco {
  flex-shrink: 0;
  width: clamp(100px, 14vw, 140px);
  height: clamp(100px, 14vw, 140px);
  object-fit: contain;
  position: relative;
  z-index: 1;
  filter: drop-shadow(0 10px 24px rgba(0, 0, 0, 0.18));
  transform-origin: center center;
  animation: ctaDecoPulse 7s ease-in-out infinite;
  will-change: transform;
}

.cta-band__deco--left {
  animation-duration: 6.5s;
  animation-delay: 0s;
}

.cta-band__deco--right {
  animation-duration: 8s;
  animation-delay: -2.5s;
}

@keyframes ctaDecoPulse {
  0%,
  100% {
    transform: scale(1) rotate(0deg);
  }
  15% {
    transform: scale(1.06) rotate(-1.5deg);
  }
  30% {
    transform: scale(0.96) rotate(1deg);
  }
  45% {
    transform: scale(1.08) rotate(2deg);
  }
  60% {
    transform: scale(0.97) rotate(-1deg);
  }
  75% {
    transform: scale(1.05) rotate(1.5deg);
  }
  90% {
    transform: scale(0.98) rotate(-0.5deg);
  }
}

.cta-band::before {
  content: "";
  position: absolute;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: rgba(0, 168, 168, 0.25);
  top: -120px;
  right: -80px;
}

.cta-band__content h2 {
  margin: 0 0 12px;
  font-size: clamp(1.5rem, 3vw, 2rem);
}

.cta-band__content p {
  margin: 0 auto 24px;
  max-width: 48ch;
  opacity: 0.9;
}

.cta-band__content .app-store-note {
  margin: 22px auto 0;
  max-width: none;
  font-size: 0.8rem;
  opacity: 0.85;
}

/* Footer */
.site-footer {
  padding: 48px 0 32px;
  margin-top: 64px;
  border-top: 1px solid rgba(3, 68, 74, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}

.footer-grid h4 {
  margin: 0 0 12px;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-dark);
}

.footer-grid ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-grid li {
  margin-bottom: 8px;
}

.footer-grid a {
  font-size: 0.88rem;
  color: var(--text-muted);
  text-decoration: none;
}

.footer-grid a:hover {
  color: var(--accent);
}

.footer-disclaimer {
  padding: 20px 22px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.5);
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.55;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-disclaimer p {
  margin: 0;
}

.footer-disclaimer strong {
  color: var(--accent-dark);
}

.footer-bottom {
  margin-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* Reveal animations */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }

/* Hero load orchestration */
.hero .hero-copy > * {
  opacity: 0;
  transform: translateY(16px);
  animation: heroIn 0.7s ease forwards;
}

.hero .hero-copy h1 { animation-delay: 0.05s; }
.hero .hero-copy .hero-lead { animation-delay: 0.12s; }
.hero .hero-ctas { animation-delay: 0.2s; animation: heroIn 0.7s ease forwards; opacity: 0; }
.hero .hero-micro { animation-delay: 0.28s; animation: heroIn 0.7s ease forwards; opacity: 0; }
.hero .hero-mockup { animation: heroInRight 0.8s ease 0.15s forwards; opacity: 0; transform: translateX(20px); }
.hero .trust-stack .trust-card:nth-child(1) { animation: heroInLeft 0.7s ease 0.25s forwards; opacity: 0; }
.hero .trust-stack .trust-card:nth-child(2) { animation: heroInLeft 0.7s ease 0.35s forwards; opacity: 0; }
.hero .trust-stack .trust-card:nth-child(3) { animation: heroInLeft 0.7s ease 0.45s forwards; opacity: 0; }

@keyframes heroIn {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes heroInRight {
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes heroInLeft {
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@media (max-width: 1024px) {
  .friendly-grid,
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

  .hero-grid .trust-stack {
    grid-column: 1 / -1;
    flex-direction: row;
    flex-wrap: wrap;
    gap: 10px;
  }

  .trust-card {
    flex: 1 1 200px;
  }

  .hero-phone__screen img {
    max-height: clamp(360px, 58vh, 520px);
  }

  .calculator-panel,
  .transparency-grid,
  .preview-layout {
    grid-template-columns: 1fr;
  }

  .calculator-panel {
    --calc-widget-height: auto;
  }

  .transparency-grid {
    --transparency-copy-height: auto;
  }

  .transparency-visual__img {
    width: min(260px, 70vw);
  }

  .calc-mockup,
  .calc-mockup__img {
    height: auto;
    max-height: min(480px, 65vh);
  }

  .calc-mockup__img {
    margin-inline: auto;
  }

  .limitations-list {
    grid-template-columns: 1fr;
  }

  .steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .step:nth-child(2),
  .step:nth-child(4) {
    margin-top: 0;
  }
}

@media (max-width: 768px) {
  .apr-rail {
    flex-direction: column;
    overflow-x: visible;
    scroll-snap-type: none;
    padding: 0;
    margin: 0;
  }

  .apr-card {
    flex: 1 1 auto;
    width: 100%;
  }

  .cta-band {
    display: grid;
    grid-template-columns: auto auto;
    grid-template-areas:
      "title title"
      "text  text"
      "lock  coins"
      "button button"
      "note  note";
    justify-content: center;
    align-items: center;
    column-gap: 22px;
    row-gap: 16px;
    padding: 36px 22px;
  }

  .cta-band__content {
    display: contents;
  }

  .cta-band__content h2 { grid-area: title; }
  .cta-band__content > p:not(.app-store-note) { grid-area: text; }
  .cta-band__content > .btn { grid-area: button; justify-self: center; }
  .cta-band__content .app-store-note { grid-area: note; }

  .cta-band__deco {
    width: clamp(76px, 22vw, 100px);
    height: clamp(76px, 22vw, 100px);
  }

  .cta-band__deco--left { grid-area: lock; justify-self: end; }
  .cta-band__deco--right { grid-area: coins; justify-self: start; }

  .site-header {
    height: auto;
  }

  .site-header .shell {
    flex-wrap: wrap;
    padding-block: 12px;
  }

  .brand-logo {
    height: 48px;
    max-width: min(240px, 62vw);
  }

  .nav-pill {
    display: none;
    order: 4;
    flex-basis: 100%;
    width: 100%;
    max-width: 100%;
    flex-direction: column;
    align-items: stretch;
    justify-content: stretch;
    padding: 16px 14px 18px;
    margin: 14px 0 0;
    gap: 8px;
    background: #e8f6fc;
    border-top: 1px solid rgba(3, 68, 74, 0.08);
    box-shadow: 0 14px 28px rgba(3, 68, 74, 0.12);
    box-sizing: border-box;
  }

  .nav-pill.is-open {
    display: flex;
  }

  .nav-pill__item {
    flex: 1 1 auto;
    justify-content: flex-start;
    padding: 12px 16px;
    font-size: 0.9rem;
    background: #ffffff;
    border: 1px solid rgba(3, 68, 74, 0.08);
    box-shadow: var(--shadow-soft);
  }

  .nav-pill__item:hover,
  .nav-pill__item.is-active,
  .nav-pill__item.is-current {
    background: var(--accent-soft);
    color: var(--accent-dark);
    box-shadow: 0 6px 18px rgba(3, 68, 74, 0.12);
  }

  .menu-toggle {
    display: block;
  }

  .nav-cta {
    display: none;
  }

  .friendly-banner,
  .checklist-layout,
  .help-panel {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .friendly-banner .icon-ph,
  .help-panel__icons {
    margin-inline: auto;
  }

  .help-panel__icons {
    flex-direction: row;
    justify-content: center;
  }

  .friendly-grid {
    grid-template-columns: 1fr 1fr;
  }

  .faq-grid {
    grid-template-columns: 1fr;
  }

  .faq-item p {
    padding-left: 18px;
  }

  .hero {
    padding: 28px 0 32px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .hero-grid .hero-copy {
    display: contents;
  }

  .hero-grid .hero-copy > .hero-kicker { order: 1; }
  .hero-grid .hero-copy > h1 { order: 2; }
  .hero-grid .hero-copy > .hero-lead { order: 3; }
  .hero-grid > .hero-mockup { order: 4; }
  .hero-grid .hero-copy > .hero-ctas { order: 5; }
  .hero-grid .hero-copy > .hero-micro { order: 6; }
  .hero-grid > .trust-stack { order: 7; }

  .hero h1 {
    margin-bottom: 14px;
  }

  .hero-lead {
    max-width: none;
    margin-bottom: 18px;
  }

  .hero-ctas {
    margin-bottom: 10px;
  }

  .hero-mockup {
    margin: 0 auto 20px;
    width: 100%;
    max-width: none;
    padding: 0;
  }

  .hero-mockup::before {
    inset: 8% 12%;
  }

  .hero-phone {
    --phone-width: min(212px, 66vw);
    --phone-pad-block: 9px;
    --phone-pad-inline: 7px;
    --phone-radius: 44px;
    --screen-radius: 32px;
    --island-top: 8px;
    --island-height: 20px;
    --island-min: 58px;
    --island-max: 76px;
    --island-radius: 14px;
    --btn-offset: 2px;
    --btn-left-top: 74px;
    --btn-left-height: 20px;
    --btn-left-gap-1: 30px;
    --btn-left-gap-2: 56px;
    --btn-right-top: 94px;
    --btn-right-height: 42px;
    --screen-max-height: clamp(300px, 48vh, 380px);
    margin: 0 auto;
    box-shadow:
      0 0 0 0.5px rgba(0, 0, 0, 0.65),
      0 22px 44px rgba(0, 0, 0, 0.22),
      0 10px 24px rgba(3, 68, 74, 0.12),
      inset 0 1px 1px rgba(255, 255, 255, 0.22),
      inset 0 -1px 2px rgba(0, 0, 0, 0.45);
  }

  .hero-grid > .trust-stack {
    flex-direction: column;
    gap: 8px;
    margin-top: 4px;
    width: 100%;
  }

  .hero-grid .trust-stack .trust-card {
    flex: 1 1 auto;
    width: 100%;
    padding: 12px 10px;
  }

  .terms-strip {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .why-grid,
  .friendly-grid,
  .services-grid {
    grid-template-columns: 1fr;
  }

  .disclosures-panel {
    padding: 20px 18px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .steps {
    grid-template-columns: 1fr;
  }

  .preview-screens {
    grid-template-columns: 1fr;
  }

  .preview-screens img:first-child,
  .preview-screens img:last-child {
    animation: none;
    transform: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}