/*!
 * Invaspo design system
 * Palette derived from fair.com.au — #50A7DA brand blue, #202246 navy, #F59C40 accent.
 */

/* ============================================================== TOKENS === */
:root {
  /* brand — vivid azure, deep navy and a lime CTA, after loanmarket.com.au */
  --brand:        #00A3E0;
  --brand-600:    #0088BE;
  --brand-700:    #026F9C;
  --brand-300:    #7FD3F2;
  --brand-100:    #CDECFA;
  --brand-50:     #E3F4FD;
  --brand-25:     #F2FAFE;

  --navy:         #0F2C4C;
  --navy-700:     #1B4570;
  --navy-900:     #0A1F36;
  --navy-950:     #061524;

  /* lime is the action colour — it only ever means "do this next" */
  --accent:       #D6E04E;
  --accent-600:   #C2CC3C;
  --accent-100:   #F2F5D2;
  --accent-ink:   #17324E;
  --coral:        #FF6B5B;
  --coral-100:    #FFE6E2;
  --mint:         #2FBF9B;
  --mint-100:     #DAF4EE;
  --cream:        #F5F4F0;
  /* amber = data/badge warmth, so lime stays action-only */
  --amber:        #E78F2E;
  --amber-600:    #C4761B;
  --amber-100:    #FBEEDC;
  /* chart series — CVD-validated for the light surface */
  --ch-brand:     #00A3E0;
  --ch-accent:    #E78F2E;
  --ch-mint:      #2FBF9B;
  --ch-coral:     #FF6B5B;
  --ch-line:      #BCD4E4;
  --ch-navy:      #0F2C4C;

  /* surfaces */
  --bg:           #FFFFFF;
  --bg-alt:       #F5F4F0;
  --bg-tint:      var(--brand-50);
  --surface:      #FFFFFF;
  --surface-2:    #F8FAFC;
  --line:         #DDE7EF;
  --line-strong:  #BCD4E4;

  /* text */
  --ink:          #0F2C4C;
  --ink-2:        #3E5771;
  --ink-3:        #6B819A;
  --ink-inv:      #FFFFFF;

  /* shape — flatter and squarer than before, closer to the reference */
  --r-sm: 8px; --r: 12px; --r-lg: 16px; --r-xl: 22px; --r-pill: 999px;
  --shadow-xs: 0 1px 2px rgba(15,44,76,.05);
  --shadow-sm: 0 2px 8px rgba(15,44,76,.05);
  --shadow:    0 6px 24px -8px rgba(15,44,76,.12), 0 2px 6px rgba(15,44,76,.04);
  --shadow-lg: 0 24px 60px -22px rgba(15,44,76,.2), 0 8px 20px -12px rgba(15,44,76,.1);
  --shadow-brand: 0 16px 36px -16px rgba(0,163,224,.45);

  --maxw: 1200px;
  --nav-h: 76px;
  --ease: cubic-bezier(.22,.75,.28,1);

  --font: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-num: 'Poppins', ui-monospace, SFMono-Regular, Menlo, monospace;
}

:root[data-theme="dark"], html.dark {
  --bg:          #0E1020;
  --bg-alt:      #101A26;
  --bg-tint:     #171A38;
  --surface:     #191C3A;
  --surface-2:   #1F2347;
  --line:        #2B3060;
  --line-strong: #3A4079;
  --ink:         #EEF4FB;
  --ink-2:       #B9C4DE;
  --ink-3:       #8792B5;
  --brand-50:    #10263D;
  --brand-25:    #0C1D30;
  --brand-100:   #17395A;
  --accent-100:  #35391A;
  --mint-100:    #0F3329;
  --coral-100:   #3A1F1C;
  --cream:       #14202E;
  --amber:       #CE7E22;
  --amber-600:   #E8A868;
  --amber-100:   #34270F;
  /* chart series — validated for the dark surface (dimmer band, not brighter) */
  --ch-brand:    #0093CB;
  --ch-accent:   #CE7E22;
  --ch-mint:     #26A886;
  --ch-coral:    #F25545;
  --ch-line:     #3A4079;
  --ch-navy:     #B9C4DE;
  --shadow:    0 6px 24px -6px rgba(0,0,0,.5);
  --shadow-lg: 0 24px 60px -20px rgba(0,0,0,.65);
  --shadow-sm: 0 2px 8px rgba(0,0,0,.35);
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg:          #0E1020;
    --bg-alt:      #101A26;
    --bg-tint:     #171A38;
    --surface:     #191C3A;
    --surface-2:   #1F2347;
    --line:        #2B3060;
    --line-strong: #3A4079;
    --ink:         #EEF4FB;
    --ink-2:       #B9C4DE;
    --ink-3:       #8792B5;
    --brand-50:    #10263D;
    --brand-25:    #0C1D30;
    --brand-100:   #17395A;
    --accent-100:  #35391A;
    --mint-100:    #0F3329;
    --coral-100:   #3A1F1C;
    --cream:       #14202E;
    --amber:       #CE7E22;
    --amber-600:   #E8A868;
    --amber-100:   #34270F;
  /* chart series — validated for the dark surface (dimmer band, not brighter) */
    --ch-brand:    #0093CB;
    --ch-accent:   #CE7E22;
    --ch-mint:     #26A886;
    --ch-coral:    #F25545;
    --ch-line:     #3A4079;
    --ch-navy:     #B9C4DE;
    --shadow:    0 6px 24px -6px rgba(0,0,0,.5);
    --shadow-lg: 0 24px 60px -20px rgba(0,0,0,.65);
    --shadow-sm: 0 2px 8px rgba(0,0,0,.35);
  }
}

/* ================================================================ BASE === */
*, *::before, *::after { 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(--bg);
  font-size: 16px; line-height: 1.65; -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--brand-700); text-decoration: none; transition: color .18s var(--ease); }
a:hover { color: var(--brand); }
h1,h2,h3,h4 { color: var(--ink); line-height: 1.18; margin: 0 0 .5em; letter-spacing: -.015em; font-weight: 700; }
h1 { font-family: var(--font-display); font-size: clamp(2.15rem, 4.8vw, 3.6rem); font-weight: 600; letter-spacing: -.02em; line-height: 1.1; }
h2 { font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 600; letter-spacing: -.015em; }
.sans { font-family: var(--font) !important; font-weight: 700 !important; }
h3 { font-size: clamp(1.15rem, 1.7vw, 1.4rem); }
p  { margin: 0 0 1em; color: var(--ink-2); }
ul { color: var(--ink-2); }
small { font-size: .82rem; }
:focus-visible { outline: 3px solid var(--brand); outline-offset: 2px; border-radius: 4px; }
::selection { background: var(--brand-100); color: var(--navy); }

.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 20px; }
.wrap-narrow { max-width: 820px; }
.section { padding: clamp(48px, 7vw, 96px) 0; }
.section-tint { background: var(--bg-alt); }
.center { text-align: center; }
.stack > * + * { margin-top: 1rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase;
  color: var(--brand-700); background: var(--brand-50);
  padding: 7px 14px; border-radius: var(--r-pill); border: 1px solid var(--line);
  margin-bottom: 16px;
}
.eyebrow::before { content:''; width:6px; height:6px; border-radius:50%; background: var(--brand); }
.section-head { max-width: 720px; margin: 0 auto clamp(28px, 4vw, 52px); text-align: center; }
.section-head p { font-size: 1.06rem; color: var(--ink-3); }
.lede { font-size: clamp(1.02rem, 1.5vw, 1.18rem); color: var(--ink-2); }

/* ============================================================== BUTTONS === */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font); font-weight: 600; font-size: .96rem; line-height: 1;
  padding: 15px 26px; border-radius: var(--r-sm); border: 1.5px solid transparent;
  cursor: pointer; transition: transform .18s var(--ease), box-shadow .22s var(--ease), background .18s, color .18s;
  white-space: nowrap; text-decoration: none;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary {
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-600) 55%, var(--brand-700) 100%);
  color: #fff; box-shadow: var(--shadow-brand);
}
.btn-primary:hover { color: #fff; box-shadow: 0 24px 50px -18px rgba(0,163,224,.7); }
.btn-accent {
  background: var(--accent); color: var(--accent-ink); font-weight: 700;
  box-shadow: 0 14px 30px -14px rgba(214,224,78,.7);
}
.btn-accent:hover { background: var(--accent-600); color: var(--accent-ink); }
.btn-ghost { background: var(--surface); color: var(--ink); border-color: var(--line-strong); box-shadow: var(--shadow-xs); }
.btn-ghost:hover { color: var(--ink); border-color: var(--brand); background: var(--brand-25); }
.btn-light { background: rgba(255,255,255,.14); color: #fff; border-color: rgba(255,255,255,.32); backdrop-filter: blur(8px); }
.btn-light:hover { background: rgba(255,255,255,.24); color: #fff; }
.btn-sm { padding: 10px 18px; font-size: .875rem; }
.btn-lg { padding: 18px 34px; font-size: 1.02rem; }
.btn-block { width: 100%; }

/* =============================================================== HEADER === */
.site-header {
  position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.82);
  backdrop-filter: saturate(180%) blur(16px); border-bottom: 1px solid var(--line);
  transition: box-shadow .25s var(--ease), background .25s;
}
:root[data-theme="dark"] .site-header { background: rgba(14,16,32,.85); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .site-header { background: rgba(14,16,32,.85); } }
.site-header.scrolled { box-shadow: 0 6px 24px -12px rgba(32,34,70,.2); }
.nav { display: flex; align-items: center; gap: 10px; height: var(--nav-h); }
.brand { display: flex; align-items: center; gap: 11px; font-weight: 800; font-size: 1.32rem; color: var(--ink); letter-spacing: -.03em; margin-right: auto; }
.brand:hover { color: var(--ink); }
.brand-mark {
  width: 38px; height: 38px; border-radius: 11px; flex: none;
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-700) 100%);
  display: grid; place-items: center; color: #fff; font-weight: 800; font-size: 1.05rem;
  box-shadow: 0 8px 20px -8px rgba(0,163,224,.8);
}
.brand span i { color: var(--brand); font-style: normal; }
.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-link {
  padding: 9px 14px; border-radius: var(--r-pill); font-size: .93rem; font-weight: 500; color: var(--ink-2);
  display: inline-flex; align-items: center; gap: 6px; background: none; border: 0; cursor: pointer; font-family: var(--font);
}
.nav-link:hover, .nav-link[aria-expanded="true"] { color: var(--brand-700); background: var(--brand-50); }
.nav-caret { width: 9px; height: 9px; opacity: .55; transition: transform .2s var(--ease); }
.nav-link[aria-expanded="true"] .nav-caret { transform: rotate(180deg); }
.nav-actions { display: flex; align-items: center; gap: 10px; margin-left: 8px; }

.theme-toggle {
  width: 38px; height: 38px; border-radius: 50%; border: 1.5px solid var(--line-strong);
  background: var(--surface); color: var(--ink-2); display: grid; place-items: center; cursor: pointer;
  transition: .2s var(--ease);
}
.theme-toggle:hover { border-color: var(--brand); color: var(--brand); transform: rotate(-18deg); }
.nav-toggle { display: none; width: 42px; height: 42px; border-radius: 12px; border: 1.5px solid var(--line-strong); background: var(--surface); cursor: pointer; }
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--ink); margin: 3.5px auto; border-radius: 2px; transition: .25s var(--ease); }

/* mega menu */
.mega {
  position: absolute; left: 50%; transform: translateX(-50%) translateY(-8px);
  top: calc(var(--nav-h) - 6px); width: min(940px, calc(100vw - 32px));
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg); padding: 22px; opacity: 0; visibility: hidden;
  transition: opacity .2s var(--ease), transform .2s var(--ease), visibility .2s;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px 18px; z-index: 90;
}
.mega.open { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.mega-col h4 { font-size: .74rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-3); margin: 8px 10px 6px; font-weight: 700; }
.mega a {
  display: flex; align-items: center; gap: 10px; padding: 9px 10px; border-radius: 10px;
  color: var(--ink-2); font-size: .9rem; font-weight: 500;
}
.mega a:hover { background: var(--brand-50); color: var(--brand-700); }
.mega a b { font-weight: 600; color: var(--ink); }
.mega a:hover b { color: var(--brand-700); }
.mega-icon { width: 30px; height: 30px; border-radius: 9px; display: grid; place-items: center; flex: none; background: var(--brand-50); color: var(--brand-700); }

/* ================================================================ HERO === */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(1100px 620px at 12% -10%, rgba(0,163,224,.42), transparent 60%),
    radial-gradient(900px 520px at 88% 8%, rgba(231,143,46,.24), transparent 62%),
    radial-gradient(800px 600px at 55% 110%, rgba(60,194,154,.20), transparent 60%),
    linear-gradient(165deg, #262A5C 0%, var(--navy) 42%, #171935 100%);
  padding: clamp(56px, 8vw, 104px) 0 clamp(96px, 11vw, 150px);
  isolation: isolate;
}
.hero::before {
  content: ''; position: absolute; inset: 0; z-index: -1; opacity: .5;
  background-image:
    linear-gradient(rgba(255,255,255,.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.055) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse 90% 70% at 50% 30%, #000 30%, transparent 78%);
  -webkit-mask-image: radial-gradient(ellipse 90% 70% at 50% 30%, #000 30%, transparent 78%);
}
.hero::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 90px; z-index: 2;
  background: var(--bg);
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 90' preserveAspectRatio='none'%3E%3Cpath d='M0 90V44c180 30 360 40 540 24C760 48 900 8 1120 4c120-2 240 8 320 22v64z' fill='%23000'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 90' preserveAspectRatio='none'%3E%3Cpath d='M0 90V44c180 30 360 40 540 24C760 48 900 8 1120 4c120-2 240 8 320 22v64z' fill='%23000'/%3E%3C/svg%3E");
  -webkit-mask-size: 100% 100%; mask-size: 100% 100%; -webkit-mask-repeat: no-repeat; mask-repeat: no-repeat;
}
.hero .wrap { position: relative; z-index: 3; }
.hero h1, .hero h2 { color: #fff; }
.hero p { color: rgba(255,255,255,.82); }
.hero-grid { display: grid; grid-template-columns: 1.06fr .94fr; gap: clamp(28px, 4vw, 56px); align-items: center; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 9px; font-size: .8rem; font-weight: 600; letter-spacing: .04em;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: #fff;
  padding: 8px 16px; border-radius: var(--r-pill); margin-bottom: 22px; backdrop-filter: blur(8px);
}
.hero-eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--mint); box-shadow: 0 0 0 0 rgba(60,194,154,.7); animation: pulse 2.4s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 9px rgba(60,194,154,0); } 100% { box-shadow: 0 0 0 0 rgba(60,194,154,0); } }
.hero h1 .grad {
  background: linear-gradient(100deg, #7FD3F2 0%, #D6E04E 60%, #A9E8D4 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-sub { font-size: clamp(1.02rem, 1.5vw, 1.2rem); max-width: 560px; margin-bottom: 30px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 34px; }
.hero-stats { display: flex; flex-wrap: wrap; gap: 30px 44px; }
.hero-stat b { display: block; font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 800; color: #fff; line-height: 1.1; letter-spacing: -.03em; }
.hero-stat span { font-size: .82rem; color: rgba(255,255,255,.62); }

/* floating glass calculator in the banner */
.hero-card {
  background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.22); border-radius: var(--r-xl);
  padding: 26px; backdrop-filter: blur(18px) saturate(160%); box-shadow: 0 40px 80px -30px rgba(0,0,0,.6);
  animation: floaty 7s ease-in-out infinite;
}
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-11px); } }
@media (prefers-reduced-motion: reduce) { .hero-card, .orb { animation: none !important; } }
.hero-card h3 { color: #fff; font-size: 1.02rem; margin-bottom: 4px; }
.hero-card .muted { color: rgba(255,255,255,.6); font-size: .82rem; margin-bottom: 18px; }
.hero-card .field { margin-bottom: 16px; }
.hero-card label { display: flex; justify-content: space-between; align-items: baseline; font-size: .82rem; color: rgba(255,255,255,.72); margin-bottom: 7px; }
.hero-card label b { color: #fff; font-size: 1rem; font-weight: 700; }
.hero-card input[type=range] { --track: rgba(255,255,255,.2); }
.hero-result {
  margin-top: 20px; padding: 18px 20px; border-radius: var(--r-lg); text-align: center;
  background: linear-gradient(135deg, rgba(0,163,224,.34), rgba(231,143,46,.22));
  border: 1px solid rgba(255,255,255,.24);
}
.hero-result span { font-size: .78rem; color: rgba(255,255,255,.72); display: block; letter-spacing: .05em; text-transform: uppercase; }
.hero-result b { font-size: clamp(1.7rem, 3vw, 2.3rem); color: #fff; font-weight: 800; letter-spacing: -.03em; display: block; }
.hero-result small { color: rgba(255,255,255,.65); }

.orb { position: absolute; border-radius: 50%; filter: blur(70px); z-index: 0; pointer-events: none; }
.orb-1 { width: 420px; height: 420px; background: rgba(0,163,224,.42); top: -110px; left: -90px; animation: drift 20s ease-in-out infinite; }
.orb-2 { width: 340px; height: 340px; background: rgba(231,143,46,.3); bottom: -80px; right: 4%; animation: drift 26s ease-in-out infinite reverse; }
.orb-3 { width: 280px; height: 280px; background: rgba(60,194,154,.26); top: 44%; left: 46%; animation: drift 32s ease-in-out infinite; }
@keyframes drift { 0%,100% { transform: translate(0,0) scale(1); } 33% { transform: translate(38px,-28px) scale(1.08); } 66% { transform: translate(-26px,22px) scale(.95); } }

/* compact page banner for interior pages */
.page-banner {
  position: relative; overflow: hidden; color: #fff; padding: clamp(34px, 5vw, 60px) 0 clamp(46px, 6vw, 76px);
  background:
    radial-gradient(760px 380px at 8% -30%, rgba(0,163,224,.4), transparent 62%),
    radial-gradient(620px 340px at 92% 0%, rgba(214,224,78,.14), transparent 60%),
    linear-gradient(160deg, #1B4570 0%, var(--navy) 60%, #0A1F36 100%);
}
.page-banner::before {
  content: ''; position: absolute; inset: 0; opacity: .45;
  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: 48px 48px;
  mask-image: radial-gradient(ellipse 80% 100% at 30% 0%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse 80% 100% at 30% 0%, #000 20%, transparent 75%);
}
.page-banner .wrap { position: relative; z-index: 2; }
.page-banner h1 { color: #fff; margin-bottom: 12px; font-size: clamp(1.75rem, 3.4vw, 2.7rem); }
.page-banner p { color: rgba(255,255,255,.8); max-width: 680px; font-size: 1.04rem; margin: 0; }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 8px; font-size: .82rem; color: rgba(255,255,255,.6); margin-bottom: 14px; }
.breadcrumb a { color: rgba(255,255,255,.78); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { opacity: .5; }

/* =============================================================== CARDS === */
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 24px; box-shadow: var(--shadow-sm); transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.card-hover:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--brand-300); }
.grid { display: grid; gap: 18px; }
.g-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.g-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.g-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
/* article + sidebar, collapsing to one column on tablets and phones */
.split { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 28px; align-items: start; }

/* product cards */
.prod-card { position: relative; display: block; overflow: hidden; }
.prod-card::after {
  content: ''; position: absolute; inset: 0; border-radius: inherit; pointer-events: none;
  background: linear-gradient(135deg, rgba(0,163,224,.09), transparent 55%); opacity: 0; transition: opacity .3s;
}
.prod-card:hover::after { opacity: 1; }
.prod-icon {
  width: 52px; height: 52px; border-radius: 15px; display: grid; place-items: center; margin-bottom: 16px;
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-700) 100%); color: #fff;
  box-shadow: 0 12px 26px -12px rgba(0,163,224,.85);
}
.prod-icon.amber { background: linear-gradient(135deg, #F2B457, var(--amber)); box-shadow: 0 12px 26px -12px rgba(231,143,46,.75); }
.prod-icon.mint  { background: linear-gradient(135deg, #67D7B4, #2AA783); box-shadow: 0 12px 26px -12px rgba(60,194,154,.85); }
.prod-icon.coral { background: linear-gradient(135deg, #FF9E90, #F1614C); box-shadow: 0 12px 26px -12px rgba(255,128,111,.85); }
.prod-icon.navy  { background: linear-gradient(135deg, #4A5090, var(--navy)); box-shadow: 0 12px 26px -12px rgba(32,34,70,.7); }
.prod-card h3 { font-size: 1.12rem; margin-bottom: 6px; }
.prod-card p { font-size: .9rem; color: var(--ink-3); margin-bottom: 14px; }
.prod-rate { display: flex; align-items: baseline; gap: 6px; font-size: .82rem; color: var(--ink-3); margin-bottom: 14px; }
.prod-rate b { font-size: 1.28rem; color: var(--brand-700); font-weight: 800; letter-spacing: -.02em; }
.prod-link { font-size: .88rem; font-weight: 600; color: var(--brand-700); display: inline-flex; align-items: center; gap: 6px; }
.prod-card:hover .prod-link { gap: 11px; }
.prod-link svg { transition: transform .25s var(--ease); }

/* calculator tiles */
.calc-tile {
  display: flex; gap: 14px; align-items: flex-start; padding: 17px;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r);
  transition: .22s var(--ease); position: relative;
}
.calc-tile:hover { border-color: var(--brand); background: var(--brand-25); transform: translateY(-2px); box-shadow: var(--shadow); }
.calc-tile-icon {
  width: 42px; height: 42px; border-radius: 12px; flex: none; display: grid; place-items: center;
  background: var(--brand-50); color: var(--brand-700); transition: .22s var(--ease);
}
.calc-tile:hover .calc-tile-icon { background: var(--brand); color: #fff; transform: scale(1.06); }
.calc-tile b { display: block; font-size: .95rem; color: var(--ink); font-weight: 600; margin-bottom: 2px; line-height: 1.35; }
.calc-tile span { font-size: .8rem; color: var(--ink-3); line-height: 1.45; display: block; }
.tag {
  display: inline-block; font-size: .66rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
  padding: 3px 9px; border-radius: var(--r-pill); background: var(--amber-100); color: var(--amber-600);
  margin-left: 6px; vertical-align: middle;
}
.tag-brand { background: var(--brand-100); color: var(--brand-700); }
.tag-mint { background: var(--mint-100); color: #22886A; }

/* ========================================================== CALCULATOR === */
.calc-layout { display: grid; grid-template-columns: minmax(0,.86fr) minmax(0,1.14fr); gap: 26px; align-items: start; }
.calc-inputs { position: sticky; top: calc(var(--nav-h) + 18px); }
.panel {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl);
  padding: clamp(20px, 2.6vw, 30px); box-shadow: var(--shadow);
}
.panel-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 22px; }
.panel-head h2 { font-size: 1.16rem; margin: 0; }
.panel + .panel { margin-top: 20px; }

.field { margin-bottom: 22px; }
.field:last-child { margin-bottom: 0; }
.field-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 10px; min-width: 0; }
.field-top > * { min-width: 0; }
.field-label { font-size: .88rem; font-weight: 500; color: var(--ink-2); }
.field-hint { display: block; font-size: .75rem; color: var(--ink-3); margin-top: 5px; }
.field-value {
  display: inline-flex; align-items: center; gap: 2px; background: var(--brand-50);
  border: 1.5px solid var(--line); border-radius: 10px; padding: 5px 10px; transition: .18s var(--ease);
}
.field-value:focus-within { border-color: var(--brand); background: var(--surface); box-shadow: 0 0 0 4px rgba(0,163,224,.16); }
.field-value .pfx, .field-value .sfx { font-size: .9rem; font-weight: 600; color: var(--ink-3); }
.field-value input {
  border: 0; background: none; font-family: var(--font); font-size: 1.02rem; font-weight: 700; color: var(--ink);
  width: 8ch; min-width: 0; text-align: right; padding: 0; -moz-appearance: textfield; letter-spacing: -.01em;
}
.field-value input::-webkit-outer-spin-button, .field-value input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.field-value input:focus { outline: none; }
.field-value.wide input { width: 11ch; }

input[type=range] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 99px; margin: 0;
  background: linear-gradient(90deg, var(--brand) var(--fill,40%), var(--track, var(--line)) var(--fill,40%));
  cursor: pointer;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff;
  border: 3px solid var(--brand); box-shadow: 0 3px 10px rgba(32,34,70,.28); cursor: grab; transition: transform .15s var(--ease);
}
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.14); }
input[type=range]::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.02); }
input[type=range]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 3px solid var(--brand);
  box-shadow: 0 3px 10px rgba(32,34,70,.28); cursor: grab;
}
.range-scale { display: flex; justify-content: space-between; font-size: .72rem; color: var(--ink-3); margin-top: 7px; }

select, .sel {
  width: 100%; font-family: var(--font); font-size: .93rem; font-weight: 500; color: var(--ink);
  background: var(--surface-2); border: 1.5px solid var(--line); border-radius: 11px; padding: 12px 40px 12px 14px;
  cursor: pointer; appearance: none;
}
/* only real dropdowns get the chevron — text inputs share .sel for styling */
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B819A' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 15px center;
}
input.sel { cursor: text; }
select:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px rgba(0,163,224,.16); }

.switch { display: flex; align-items: center; justify-content: space-between; gap: 14px; cursor: pointer; }
.switch input { position: absolute; opacity: 0; pointer-events: none; }
.switch-track {
  width: 48px; height: 27px; border-radius: 99px; background: var(--line-strong); position: relative; flex: none;
  transition: background .22s var(--ease);
}
.switch-track::after {
  content: ''; position: absolute; top: 3px; left: 3px; width: 21px; height: 21px; border-radius: 50%;
  background: #fff; box-shadow: 0 2px 6px rgba(0,0,0,.24); transition: transform .22s var(--ease);
}
.switch input:checked + .switch-track { background: var(--brand); }
.switch input:checked + .switch-track::after { transform: translateX(21px); }
.switch input:focus-visible + .switch-track { box-shadow: 0 0 0 4px rgba(0,163,224,.25); }

/* results */
.result-hero {
  border-radius: var(--r-xl); padding: clamp(22px, 3vw, 32px); color: #fff; position: relative; overflow: hidden;
  background: linear-gradient(135deg, #1B4570 0%, var(--navy) 52%, #0A1F36 100%);
  box-shadow: var(--shadow-lg);
}
.result-hero::before {
  content: ''; position: absolute; width: 340px; height: 340px; border-radius: 50%; top: -160px; right: -110px;
  background: radial-gradient(circle, rgba(0,163,224,.5), transparent 68%);
}
.result-hero::after {
  content: ''; position: absolute; width: 240px; height: 240px; border-radius: 50%; bottom: -140px; left: -60px;
  background: radial-gradient(circle, rgba(214,224,78,.26), transparent 68%);
}
.result-hero > * { position: relative; z-index: 1; }
.result-label { font-size: .82rem; letter-spacing: .09em; text-transform: uppercase; color: rgba(255,255,255,.7); margin-bottom: 8px; }
.result-value { font-size: clamp(2.1rem, 5vw, 3.1rem); font-weight: 800; letter-spacing: -.035em; line-height: 1.05; color: #fff; }
.result-sub { color: rgba(255,255,255,.72); font-size: .95rem; margin-top: 8px; }
.result-actions { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 22px; }

.verdict {
  display: flex; gap: 13px; padding: 17px 19px; border-radius: var(--r); margin-top: 18px;
  background: var(--mint-100); border: 1px solid rgba(60,194,154,.3); color: var(--ink-2); font-size: .92rem; line-height: 1.6;
}
.verdict.bad { background: var(--coral-100); border-color: rgba(255,128,111,.32); }
.verdict-icon { width: 26px; height: 26px; border-radius: 50%; flex: none; display: grid; place-items: center; background: var(--mint); color: #fff; }
.verdict.bad .verdict-icon { background: var(--coral); }

.stat-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(158px, 1fr)); gap: 12px; margin-top: 20px; }
.stat {
  padding: 15px 16px; border-radius: var(--r); background: var(--surface-2); border: 1px solid var(--line);
  transition: .2s var(--ease);
}
.stat:hover { border-color: var(--brand-300); }
.stat span { display: block; font-size: .78rem; color: var(--ink-3); margin-bottom: 5px; line-height: 1.35; }
.stat b { font-size: 1.16rem; font-weight: 700; color: var(--ink); letter-spacing: -.02em; }
.stat.accent { background: var(--amber-100); border-color: rgba(231,143,46,.35); }
.stat.accent b { color: var(--amber-600); }
.stat.good { background: var(--mint-100); border-color: rgba(60,194,154,.3); }
.stat.good b { color: #22886A; }
.stat.warn { background: var(--coral-100); border-color: rgba(255,128,111,.3); }
.stat.warn b { color: #D9503C; }
.stat.strong { background: var(--brand-50); border-color: var(--line-strong); }
.stat.strong b { color: var(--brand-700); }

/* donut + legend */
.chart-row { display: grid; grid-template-columns: 200px 1fr; gap: 26px; align-items: center; }
.donut { position: relative; width: 200px; height: 200px; }
.donut svg { transform: rotate(-90deg); overflow: visible; }
.donut circle { transition: stroke-dasharray .6s var(--ease); }
.donut-center { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; }
.donut-center span { font-size: .74rem; color: var(--ink-3); display: block; }
.donut-center b { font-size: 1.32rem; font-weight: 800; color: var(--ink); letter-spacing: -.02em; }
.legend { display: grid; gap: 11px; }
.legend-item { display: flex; align-items: center; gap: 11px; font-size: .9rem; }
.legend-dot { width: 12px; height: 12px; border-radius: 4px; flex: none; }
.legend-item span { color: var(--ink-2); }
.legend-item b { margin-left: auto; color: var(--ink); font-weight: 700; }

/* bars */
.bars { display: grid; gap: 15px; }
.bar-row .bar-top { display: flex; justify-content: space-between; font-size: .88rem; margin-bottom: 7px; color: var(--ink-2); }
.bar-row .bar-top b { color: var(--ink); font-weight: 700; }
.bar-track { height: 13px; border-radius: 99px; background: var(--brand-50); overflow: hidden; }
.bar-fill { height: 100%; border-radius: 99px; transition: width .7s var(--ease); }
.bar-fill.brand { background: var(--ch-brand); }
.bar-fill.accent { background: var(--ch-accent); }
.bar-fill.coral { background: var(--ch-coral); }
.bar-fill.mint { background: var(--ch-mint); }
.bar-fill.line { background: var(--line-strong); }

/* growth area chart */
.growth-chart { width: 100%; height: 230px; overflow: visible; }
.growth-chart .grid-line { stroke: var(--line); stroke-width: 1; stroke-dasharray: 3 4; }
.growth-chart .axis-label { font-size: 10px; fill: var(--ink-3); font-family: var(--font); }

/* schedule table */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); background: var(--surface); }
table { width: 100%; border-collapse: collapse; font-size: .88rem; min-width: 560px; }
thead th {
  text-align: right; padding: 13px 15px; font-size: .74rem; letter-spacing: .07em; text-transform: uppercase;
  color: var(--ink-3); font-weight: 700; background: var(--surface-2); border-bottom: 1px solid var(--line); white-space: nowrap;
}
thead th:first-child, tbody td:first-child { text-align: left; }
tbody td { padding: 12px 15px; text-align: right; border-bottom: 1px solid var(--line); color: var(--ink-2); white-space: nowrap; }
tbody tr:last-child td { border-bottom: 0; }
tbody tr.year-row { cursor: pointer; }
tbody tr.year-row:hover { background: var(--brand-25); }
tbody tr.year-row td:first-child { font-weight: 700; color: var(--ink); }
tbody tr.month-row { background: var(--surface-2); }
tbody tr.month-row td { font-size: .82rem; color: var(--ink-3); padding: 8px 15px 8px 30px; }
tbody tr.hl { background: var(--brand-50); }
tbody tr.hl td { color: var(--ink); font-weight: 700; }
.chev { display: inline-block; width: 8px; height: 8px; border-right: 2px solid var(--ink-3); border-bottom: 2px solid var(--ink-3); transform: rotate(-45deg); margin-right: 9px; transition: transform .2s var(--ease); }
tr.open .chev { transform: rotate(45deg); }
.progress-cell { min-width: 110px; }
.mini-bar { height: 6px; border-radius: 99px; background: var(--line); overflow: hidden; }
.mini-bar i { display: block; height: 100%; background: var(--ch-brand); border-radius: 99px; }

.notes { margin-top: 18px; display: grid; gap: 10px; }
.note {
  display: flex; gap: 11px; font-size: .87rem; color: var(--ink-2); line-height: 1.6;
  background: var(--brand-25); border: 1px solid var(--line); border-left: 3px solid var(--brand); border-radius: 10px; padding: 13px 15px;
}
.note svg { flex: none; color: var(--brand); margin-top: 2px; }

/* ============================================================ CONTENT === */
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.9em; font-size: clamp(1.3rem, 2vw, 1.65rem); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.5em; font-size: 1.1rem; }
.prose ol { padding-left: 20px; color: var(--ink-2); }
.prose ol li { margin-bottom: .55em; }
.prose ol li::marker { color: var(--brand); font-weight: 700; }
.prose b { color: var(--ink); }
.prose p, .prose li { font-size: 1rem; line-height: 1.78; color: var(--ink-2); }
.prose ul { padding-left: 20px; }
.prose li { margin-bottom: .55em; }
.prose li::marker { color: var(--brand); }

.formula-box {
  background: linear-gradient(135deg, var(--brand-25), var(--brand-50)); border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: 24px; margin: 22px 0;
}
.formula-eq {
  font-family: var(--font-num); font-size: clamp(.95rem, 1.6vw, 1.14rem); font-weight: 700; color: var(--navy);
  background: var(--surface); border: 1px dashed var(--line-strong); border-radius: var(--r); padding: 16px 18px;
  text-align: center; margin-bottom: 16px; overflow-x: auto; white-space: nowrap;
}
:root[data-theme="dark"] .formula-eq { color: var(--brand-300); }
.formula-legend { display: grid; gap: 9px; }
.formula-legend div { display: flex; gap: 12px; font-size: .89rem; color: var(--ink-2); }
.formula-legend b { flex: none; min-width: 92px; color: var(--brand-700); font-family: var(--font-num); font-weight: 700; }

.tips { display: grid; gap: 11px; margin: 20px 0; }
.tip { display: flex; gap: 13px; padding: 15px 17px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); font-size: .92rem; color: var(--ink-2); line-height: 1.6; }
.tip-num {
  width: 25px; height: 25px; border-radius: 8px; flex: none; display: grid; place-items: center;
  background: var(--amber-100); color: var(--amber-600); font-weight: 800; font-size: .78rem;
}

.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer; font-family: var(--font);
  font-size: 1.02rem; font-weight: 600; color: var(--ink); padding: 20px 44px 20px 0; position: relative; line-height: 1.5;
}
.faq-q::after {
  content: ''; position: absolute; right: 12px; top: 26px; width: 11px; height: 11px;
  border-right: 2.5px solid var(--brand); border-bottom: 2.5px solid var(--brand);
  transform: rotate(45deg); transition: transform .25s var(--ease);
}
.faq-item.open .faq-q::after { transform: rotate(-135deg); top: 30px; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq-item.open .faq-a { max-height: 620px; }
.faq-a p { padding-bottom: 20px; margin: 0; font-size: .96rem; line-height: 1.75; }

/* ================================================================= CTA === */
.cta-band {
  position: relative; overflow: hidden; border-radius: var(--r-xl); padding: clamp(32px, 5vw, 56px); color: #fff;
  background:
    radial-gradient(600px 300px at 15% 0%, rgba(0,163,224,.45), transparent 60%),
    radial-gradient(500px 260px at 85% 100%, rgba(214,224,78,.2), transparent 60%),
    linear-gradient(135deg, #1B4570, var(--navy));
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.78); max-width: 560px; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; position: relative; z-index: 1; }

.trust-strip { display: flex; flex-wrap: wrap; gap: 12px 34px; justify-content: center; align-items: center; }
.trust-item { display: flex; align-items: center; gap: 9px; font-size: .88rem; color: var(--ink-3); font-weight: 500; }
.trust-item svg { color: var(--mint); flex: none; }

.lender-strip { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.lender-chip {
  padding: 11px 20px; border-radius: var(--r-pill); background: var(--surface); border: 1px solid var(--line);
  font-weight: 600; font-size: .88rem; color: var(--ink-2); box-shadow: var(--shadow-xs); transition: .2s var(--ease);
}
.lender-chip:hover { border-color: var(--brand); color: var(--brand-700); transform: translateY(-2px); }

.step { text-align: center; position: relative; }
.step-num {
  width: 56px; height: 56px; border-radius: 18px; margin: 0 auto 16px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--brand), var(--brand-700)); color: #fff; font-weight: 800; font-size: 1.3rem;
  box-shadow: 0 14px 30px -14px rgba(0,163,224,.9);
}
.step:nth-child(2) .step-num { background: linear-gradient(135deg, #FFB05E, var(--accent-600)); box-shadow: 0 14px 30px -14px rgba(231,143,46,.9); }
.step:nth-child(3) .step-num { background: linear-gradient(135deg, #67D7B4, #2AA783); box-shadow: 0 14px 30px -14px rgba(60,194,154,.9); }
.step h3 { font-size: 1.06rem; }
.step p { font-size: .9rem; color: var(--ink-3); }

/* =============================================================== FOOTER === */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.68); padding: clamp(44px, 6vw, 72px) 0 28px; margin-top: 0; }
.site-footer h4 { color: #fff; font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 16px; }
.site-footer a { color: rgba(255,255,255,.66); font-size: .89rem; display: block; padding: 5px 0; }
.site-footer a:hover { color: var(--brand-300); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(5, minmax(0, 1fr)); gap: 28px; }
.footer-brand .brand { color: #fff; margin-bottom: 14px; }
.footer-brand p { color: rgba(255,255,255,.55); font-size: .89rem; max-width: 300px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 22px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .84rem; color: rgba(255,255,255,.45);
}
.footer-bottom a { display: inline; }
.disclaimer { font-size: .78rem; color: rgba(255,255,255,.4); line-height: 1.7; margin-top: 18px; }

/* ============================================================ UTILITIES === */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: -9999px; top: 0; z-index: 999; background: #fff; color: var(--navy); padding: 12px 20px; border-radius: 0 0 12px 0; font-weight: 600; }
.skip-link:focus { left: 0; }
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.toast {
  position: fixed; left: 50%; bottom: 28px; transform: translate(-50%, 20px); z-index: 200;
  background: var(--navy); color: #fff; padding: 13px 22px; border-radius: var(--r-pill); font-size: .9rem; font-weight: 500;
  box-shadow: var(--shadow-lg); opacity: 0; pointer-events: none; transition: .3s var(--ease);
}
.toast.show { opacity: 1; transform: translate(-50%, 0); }

/* ========================================================== RESPONSIVE === */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-card { max-width: 480px; }
  .calc-layout { grid-template-columns: minmax(0, 1fr); }
  .calc-inputs { position: static; }
  .g-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 900px) {
  .split { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .g-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column; align-items: stretch; position: absolute; left: 12px; right: 12px;
    top: calc(var(--nav-h) - 4px); background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
    padding: 12px; box-shadow: var(--shadow-lg); gap: 2px; max-height: 76vh; overflow-y: auto;
  }
  .nav-links.open .nav-link { justify-content: space-between; padding: 13px 14px; }
  .mega { position: static; transform: none; width: 100%; box-shadow: none; border: 0; padding: 4px 0 10px; grid-template-columns: 1fr; display: none; }
  .mega.open { display: grid; transform: none; }
  .site-header { position: relative; }
}
@media (max-width: 720px) {
  :root { --nav-h: 64px; }
  .g-2, .g-3, .g-4 { grid-template-columns: minmax(0, 1fr); }
  .chart-row { grid-template-columns: minmax(0, 1fr); justify-items: center; text-align: left; gap: 20px; }
  .legend { width: 100%; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
  .hero-stats { gap: 18px 26px; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
  .stat-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
  .section { padding: 44px 0; }
  .panel { padding: 18px; border-radius: var(--r-lg); }
  .card { padding: 20px; }
  .result-hero { padding: 22px 20px; border-radius: var(--r-lg); }
  .stat { padding: 13px 14px; }
  .stat b { font-size: 1.04rem; }
  .field { margin-bottom: 20px; }
  .prose p, .prose li { font-size: .97rem; line-height: 1.72; }
  table { min-width: 480px; font-size: .84rem; }
  thead th, tbody td { padding: 11px 12px; }
  .formula-eq { font-size: .85rem; white-space: normal; }
  .faq-q { font-size: .96rem; padding-right: 36px; }
  /* comfortable tap targets */
  .nav-link, .mega a, .site-footer a { min-height: 44px; display: flex; align-items: center; }
  input[type=range] { height: 8px; }
}
@media (max-width: 520px) {
  .wrap { padding-inline: 16px; }
  .nav-actions .btn { display: none; }          /* header was overflowing at 390px */
  .hero-eyebrow { font-size: .72rem; padding: 7px 13px; }
  .hero-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
  .hero-stat span { font-size: .72rem; }
  .brand { font-size: 1.18rem; }
  .brand-mark { width: 34px; height: 34px; border-radius: 10px; }
  .hero { padding-bottom: 78px; }
  .hero-card { padding: 20px; }
  .btn { width: 100%; }
  .hero-cta { flex-direction: column; }
  .result-actions .btn { width: auto; flex: 1 1 auto; }
  .breadcrumb { font-size: .76rem; }
  .lender-strip { gap: 8px; }
  .lender-chip { padding: 9px 15px; font-size: .82rem; }
}
@media (max-width: 400px) {
  .stat-grid { grid-template-columns: minmax(0, 1fr); }
  .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-stats { gap: 14px 22px; }
  .hero-stat b { font-size: 1.35rem; }
}

@media print {
  .site-header, .site-footer, .hero-cta, .result-actions, .cta-band, .nav, .calc-related { display: none !important; }
  body { background: #fff; }
  .panel, .card { box-shadow: none; border: 1px solid #ddd; break-inside: avoid; }
  .result-hero { background: #f4f8fc !important; color: #202246 !important; }
  .result-value, .result-label, .result-sub { color: #202246 !important; }
  table { min-width: 0; font-size: .75rem; }
}

/* ==================================================== LENDING COMPONENTS === */
/* Added when the site became a lending marketplace rather than a calculator site. */

/* application form — the primary conversion surface */
.apply-form { border: 1.5px solid var(--line-strong); }
.apply-head h3 { font-size: 1.16rem; margin-bottom: 4px; }
.apply-head p { font-size: .88rem; color: var(--ink-3); margin-bottom: 20px; }
.apply-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 16px; }
.apply-grid .field { margin-bottom: 16px; }
.apply-wide { grid-column: 1 / -1; }
.apply-consent { display: flex; gap: 10px; align-items: flex-start; font-size: .78rem; color: var(--ink-3); line-height: 1.55; margin: 6px 0 18px; cursor: pointer; }
.apply-consent input { margin-top: 3px; accent-color: var(--brand); flex: none; width: 16px; height: 16px; }
.apply-trust { display: flex; gap: 18px; justify-content: center; flex-wrap: wrap; margin-top: 14px; font-size: .78rem; color: var(--ink-3); }
.apply-trust span { display: inline-flex; align-items: center; gap: 6px; }
.apply-trust svg { color: var(--mint); }

/* credit cards */
.cc-tile { display: flex; flex-direction: column; }
.cc-top { display: flex; gap: 14px; align-items: center; margin-bottom: 16px; }
.cc-art {
  width: 62px; height: 42px; border-radius: 8px; flex: none; display: grid; place-items: center; color: #fff;
  background: linear-gradient(125deg, var(--navy) 0%, var(--brand-700) 60%, var(--brand) 100%);
  box-shadow: 0 8px 18px -8px rgba(15,44,76,.6);
}
.cc-tile h3 { font-family: var(--font); font-size: 1.02rem; font-weight: 700; margin: 0 0 2px; }
.cc-issuer { font-size: .8rem; color: var(--ink-3); }
.cc-meta { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; padding: 14px 0; border-block: 1px solid var(--line); margin-bottom: 14px; }
.cc-meta span { display: block; font-size: .7rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 3px; }
.cc-meta b { font-size: .92rem; color: var(--ink); }
.cc-points { list-style: none; padding: 0; margin: 0 0 18px; display: grid; gap: 8px; flex: 1; }
.cc-points li { position: relative; padding-left: 22px; font-size: .88rem; color: var(--ink-2); line-height: 1.5; }
.cc-points li::before {
  content: ''; position: absolute; left: 0; top: 7px; width: 12px; height: 7px;
  border-left: 2px solid var(--mint); border-bottom: 2px solid var(--mint); transform: rotate(-45deg);
}
.cc-actions { display: flex; gap: 9px; flex-wrap: wrap; }
.cc-actions .btn { flex: 1 1 auto; }

/* benefit lists used across product and card pages */
.benefit-list { list-style: none; padding: 0; margin: 16px 0; display: grid; gap: 12px; }
.benefit-list li { display: flex; gap: 12px; align-items: flex-start; font-size: .96rem; color: var(--ink-2); line-height: 1.6; }
.benefit-list li svg { flex: none; margin-top: 4px; color: var(--brand); }
.benefit-list li b { color: var(--ink); }

/* the application journey */
.journey { display: grid; gap: 20px; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.journey-step { position: relative; padding: 26px 22px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); }
.journey-step h3 { font-size: 1.04rem; margin-bottom: 6px; }
.journey-step p { font-size: .9rem; color: var(--ink-3); margin: 0; }
.js-num {
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; margin-bottom: 14px;
  background: var(--accent); color: var(--accent-ink); font-weight: 800; font-size: 1.1rem;
}
.journey-mini { display: grid; gap: 16px; margin-top: 14px; }
.jm-step { display: flex; gap: 12px; align-items: flex-start; }
.jm-step > span {
  width: 26px; height: 26px; border-radius: 8px; flex: none; display: grid; place-items: center;
  background: var(--brand-50); color: var(--brand-700); font-weight: 800; font-size: .8rem;
}
.jm-step b { display: block; font-size: .92rem; color: var(--ink); margin-bottom: 2px; }
.jm-step p { font-size: .84rem; color: var(--ink-3); margin: 0; line-height: 1.5; }

/* credit score bands */
.score-bands { display: grid; gap: 10px; margin: 18px 0; }
.score-band { display: flex; gap: 16px; align-items: center; padding: 15px 18px; border-radius: var(--r); border: 1px solid var(--line); background: var(--surface); }
.score-band .sb-range { font-weight: 800; font-size: 1rem; min-width: 92px; color: var(--ink); }
.score-band b { display: block; font-size: .95rem; }
.score-band p { margin: 0; font-size: .87rem; color: var(--ink-3); }
.score-band.good { background: var(--mint-100); border-color: rgba(47,191,155,.35); }
.score-band.warn { background: var(--amber-100); border-color: rgba(231,143,46,.4); }
.score-band.bad  { background: var(--coral-100); border-color: rgba(255,107,91,.35); }

/* phone strip in the header */
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-size: .88rem; font-weight: 600; color: var(--ink); }
.nav-phone span { color: var(--ink-3); font-weight: 500; font-size: .76rem; display: block; }
.nav-phone svg { color: var(--brand); }

@media (max-width: 900px) {
  .journey { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 720px) {
  .journey { grid-template-columns: minmax(0, 1fr); }
  .apply-grid { grid-template-columns: minmax(0, 1fr); }
  .cc-meta { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 6px; }
  .cc-meta b { font-size: .82rem; }
  .nav-phone { display: none; }
  .score-band { flex-direction: column; align-items: flex-start; gap: 6px; }
}

/* ================================================= EDITORIAL HERO (LM) === */
/* Light, airy hero after loanmarket.com.au — serif intro, bold rotating loan
   type with a typing caret, cream broker note, apply form on a tinted offset. */
.hero-lm { position: relative; background: var(--bg); padding: clamp(38px, 5vw, 70px) 0 clamp(48px, 6vw, 88px); overflow: hidden; }
.hero-lm::before { content: ''; position: absolute; left: 0; bottom: 9%; width: 52px; height: 132px; background: var(--brand); }
.hero-lm-grid { display: grid; grid-template-columns: 1.06fr .94fr; gap: clamp(30px, 5vw, 62px); align-items: center; }
.hero-serif { font-size: clamp(2.05rem, 4.3vw, 3.35rem); margin-bottom: .12em; }
.hero-type {
  font-weight: 800; font-size: clamp(1.6rem, 3.7vw, 2.8rem); letter-spacing: -.025em;
  line-height: 1.18; color: var(--ink); min-height: 2.45em; margin-bottom: 12px;
}
.type-caret {
  display: inline-block; width: 3px; height: .92em; background: var(--brand);
  margin-left: 7px; vertical-align: -.1em; animation: caretblink 1.05s step-end infinite;
}
@keyframes caretblink { 50% { opacity: 0; } }
@media (prefers-reduced-motion: reduce) { .type-caret { animation: none; } }
.hero-lm-sub { font-size: clamp(1rem, 1.4vw, 1.15rem); color: var(--ink-2); max-width: 560px; margin-bottom: 26px; }
.hero-lm-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }
.hero-lm-note {
  background: var(--cream); border-radius: var(--r); padding: 18px 22px;
  font-size: .94rem; color: var(--ink-2); line-height: 1.65; max-width: 580px;
}
.hero-lm-note b { color: var(--ink); }
.hero-lm-stats { display: flex; flex-wrap: wrap; gap: 18px 42px; margin-top: 28px; }
.hero-lm-stats b { display: block; font-size: 1.55rem; font-weight: 800; color: var(--ink); line-height: 1.15; }
.hero-lm-stats span { font-size: .8rem; color: var(--ink-3); }
.hero-lm-form { position: relative; }
.hero-lm-form::before {
  content: ''; position: absolute; top: 28px; right: -28px; bottom: -28px; left: 28px;
  background: var(--brand-50); border-radius: var(--r-lg);
}
.hero-lm-form .panel { position: relative; box-shadow: var(--shadow-lg); }

@media (max-width: 1024px) {
  .hero-lm-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-lm-form { max-width: 560px; }
  .hero-lm-form::before { right: -14px; bottom: -14px; }
}
@media (max-width: 720px) {
  .hero-lm::before { display: none; }
  .hero-lm-form::before { display: none; }
  .hero-type { min-height: 2.6em; }
  .hero-lm-stats { gap: 14px 26px; }
  .hero-lm-stats b { font-size: 1.3rem; }
}

/* form validation states */
.sel.invalid, .field-value.invalid, input.invalid { border-color: var(--coral) !important; box-shadow: 0 0 0 3px rgba(255,107,91,.18) !important; }
.field-error { color: #D9503C; font-size: .78rem; font-weight: 500; margin-top: 6px; }
:root[data-theme="dark"] .field-error { color: #FF8F81; }

/* PAN entry reads as a document number */
.pan-input { text-transform: uppercase; letter-spacing: .12em; font-weight: 600; font-family: var(--font-num); }

/* expandable declaration, bank-application style */
.consent-details { margin: -6px 0 18px; font-size: .8rem; color: var(--ink-3); }
.consent-details summary { cursor: pointer; font-weight: 600; color: var(--brand-700); padding: 2px 0; list-style-position: inside; }
.consent-details summary:hover { color: var(--brand); }
.consent-details ol { margin: 10px 0 0; padding: 12px 14px 12px 30px; background: var(--surface-2); border: 1px solid var(--line); border-radius: 10px; display: grid; gap: 8px; line-height: 1.6; max-height: 240px; overflow-y: auto; }
.consent-details li::marker { color: var(--brand); font-weight: 700; }