/* ==========================================================================
   THREE KEYS MORTGAGES — "Threshold"
   Art direction: editorial broadsheet authority + fintech precision.
   Synthesised from: Wise (confident display type, UK fintech clarity),
   Stripe (multi-layer brand-tinted shadows, conservative radii, spacing rhythm),
   Intercom (warm paper canvas, sharp 4-8px geometry, warm hairlines),
   Linear (dark surfaces, luminance stepping, micro-detail discipline),
   VIVA RAIZ design system (token-layer architecture, fluid scale),
   zonU marketing kit (the argument arc of the page).
   Build: design-opus5
   ========================================================================== */

/* ---------- 1. TOKENS ---------------------------------------------------- */
:root {
  /* paper + ink */
  --paper:        #f7f4ee;
  --paper-raised: #fffdf9;
  --paper-tint:   #efeae0;
  --paper-deep:   #e7e0d4;

  --ink:       #0c1a1e;   /* deep ink, teal undertone - never pure black */
  --ink-2:     #16292e;
  --ink-soft:  #32464d;
  --slate:     #50616d;   /* brand slate */
  --muted:     #6c7d87;
  --faint:     #93a2aa;

  /* mint ramp - built around the brand mint in the logo */
  --mint-50:  #edfbf7;
  --mint-100: #d3f6ee;
  --mint-200: #a7ede0;
  --mint-300: #78e3cf;
  --mint-400: #4cdbc3;   /* BRAND */
  --mint-500: #37d1b7;   /* BRAND alt */
  --mint-600: #22b29a;
  --mint-700: #178e7c;
  --mint-800: #126d60;
  --mint-900: #0e5248;

  /* one considered accent - amber, for figures and caution */
  --amber:      #e9a23b;
  --amber-deep: #8a5a12;
  --amber-tint: #fbf1dc;

  /* rules + shadow (ink-tinted, never neutral grey) */
  --rule:       rgba(12, 26, 30, .13);
  --rule-soft:  rgba(12, 26, 30, .07);
  --rule-dark:  rgba(255, 255, 255, .10);
  --rule-dark-soft: rgba(255, 255, 255, .06);

  --sh-1: 0 1px 2px rgba(12,26,30,.06);
  --sh-2: 0 10px 24px -12px rgba(12,26,30,.20), 0 2px 6px -2px rgba(12,26,30,.08);
  --sh-3: 0 34px 64px -38px rgba(12,26,30,.38), 0 12px 26px -18px rgba(12,26,30,.16);
  --sh-mint: 0 14px 30px -16px rgba(18,109,96,.45);

  /* type */
  --font-display: 'Newsreader', ui-serif, Georgia, 'Times New Roman', serif;
  --font-sans: 'Manrope', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;

  --fs-display: clamp(2.4rem, 1.05rem + 5.9vw, 5.25rem);
  --fs-h1:      clamp(2.15rem, 1.25rem + 3.5vw, 3.65rem);
  --fs-h2:      clamp(1.8rem, 1.2rem + 2.3vw, 2.7rem);
  --fs-h3:      clamp(1.25rem, 1.06rem + .72vw, 1.6rem);
  --fs-h4:      clamp(1.06rem, 1rem + .3vw, 1.2rem);
  --fs-lead:    clamp(1.1rem, 1.02rem + .45vw, 1.3125rem);
  --fs-body:    1.0625rem;
  --fs-sm:      .9375rem;
  --fs-xs:      .8125rem;
  --fs-label:   .75rem;

  --ls-display: -.028em;
  --ls-tight:   -.018em;
  --ls-snug:    -.01em;
  --ls-caps:    .13em;

  /* 8pt spacing rhythm */
  --s1: .25rem; --s2: .5rem;  --s3: .75rem; --s4: 1rem;  --s5: 1.5rem;
  --s6: 2rem;   --s7: 3rem;   --s8: 4rem;   --s9: 6rem;  --s10: 8rem;

  --section: clamp(3.75rem, 7.5vw, 7rem);
  --gutter:  clamp(1.25rem, 4.2vw, 3rem);
  --maxw:      1180px;
  --maxw-wide: 1340px;
  --maxw-text: 68ch;

  /* radius - conservative, engineered */
  --r-xs: 2px; --r-sm: 4px; --r-md: 8px; --r-lg: 14px; --r-pill: 999px;

  /* motion */
  --ease: cubic-bezier(.2,.7,.3,1);
  --dur:  200ms;
  --dur-slow: 460ms;
}

/* ---------- 2. RESET ----------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink-soft);
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  line-height: 1.62;
  font-weight: 450;
  letter-spacing: var(--ls-snug);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
img { height: auto; }
a { color: var(--mint-800); text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; }
table { border-collapse: collapse; width: 100%; }
hr { border: 0; border-top: 1px solid var(--rule); margin: 0; }

:focus-visible {
  outline: 2px solid var(--mint-600);
  outline-offset: 3px;
  border-radius: var(--r-xs);
}
.dark :focus-visible, .nav :focus-visible, .footer :focus-visible,
.page-head :focus-visible, .cta-band :focus-visible {
  outline-color: var(--mint-400);
}
::selection { background: var(--mint-200); color: var(--ink); }

.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: var(--s4); top: -100px; z-index: 200;
  background: var(--mint-400); color: var(--ink); padding: .7rem 1.1rem;
  border-radius: var(--r-sm); font-weight: 700; transition: top var(--dur) var(--ease);
}
.skip-link:focus { top: var(--s4); }

/* ---------- 3. TYPOGRAPHY ------------------------------------------------ */
.display {
  font-family: var(--font-display);
  font-size: var(--fs-display);
  font-weight: 500;
  line-height: .98;
  letter-spacing: var(--ls-display);
  color: var(--ink);
  font-variation-settings: 'opsz' 60;
}
h1 { font-family: var(--font-display); font-size: var(--fs-h1); font-weight: 500;
     line-height: 1.04; letter-spacing: var(--ls-display); font-variation-settings: 'opsz' 48; }
h2 { font-family: var(--font-display); font-size: var(--fs-h2); font-weight: 500;
     line-height: 1.06; letter-spacing: var(--ls-display); font-variation-settings: 'opsz' 40; }
h3 { font-family: var(--font-sans); font-size: var(--fs-h3); font-weight: 700;
     line-height: 1.24; letter-spacing: var(--ls-tight); }
h4 { font-family: var(--font-sans); font-size: var(--fs-h4); font-weight: 700;
     line-height: 1.3; letter-spacing: var(--ls-tight); }

/* the signature: an italic Newsreader word inside a roman headline */
.em {
  font-style: italic;
  font-weight: 400;
  color: var(--mint-800);
  font-variation-settings: 'opsz' 60;
}
.dark .em, .page-head .em, .cta-band .em { color: var(--mint-300); }

.lead {
  font-size: var(--fs-lead);
  line-height: 1.56;
  color: var(--ink-soft);
  max-width: 56ch;
  font-weight: 450;
}
.dark .lead { color: rgba(255,255,255,.74); }

.label {
  font-size: var(--fs-label);
  text-transform: uppercase;
  letter-spacing: var(--ls-caps);
  font-weight: 800;
  color: var(--mint-800);
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  line-height: 1;
}
.label::before {
  content: ""; width: 1.5rem; height: 1px; background: currentColor; opacity: .5;
}
.dark .label, .footer .label, .page-head .label, .cta-band .label { color: var(--mint-300); }

.prose > * + * { margin-top: var(--s4); }
.prose { max-width: var(--maxw-text); }
.prose h3 { margin-top: var(--s6); }
.prose h4 { margin-top: var(--s5); }
.prose strong { color: var(--ink); font-weight: 700; }
.prose a { border-bottom: 1px solid var(--mint-300); }
.prose a:hover { border-bottom-color: var(--mint-700); }
.prose ul, .prose ol { padding-left: 0; list-style: none; }
.prose ul > li, .prose ol > li { position: relative; padding-left: 1.75rem; margin-top: .6rem; }
.prose ul > li::before {
  content: ""; position: absolute; left: 0; top: .68em;
  width: 10px; height: 2px; background: var(--mint-500);
}
.prose ol { counter-reset: p; }
.prose ol > li { counter-increment: p; }
.prose ol > li::before {
  content: counter(p, decimal-leading-zero);
  position: absolute; left: 0; top: 0;
  font-family: var(--font-sans); font-size: .75rem; font-weight: 800;
  color: var(--mint-700); letter-spacing: .06em; line-height: 2.1;
}
.num { font-variant-numeric: tabular-nums; }

/* ---------- 4. LAYOUT ---------------------------------------------------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.wrap-wide { width: 100%; max-width: var(--maxw-wide); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: var(--section); position: relative; }
.section + .section { border-top: 1px solid var(--rule-soft); }
.section-head { max-width: 60ch; margin-bottom: var(--s7); }
.section-head .label { margin-bottom: var(--s4); }
.section-head h2 + .lead { margin-top: var(--s4); }

/* editorial asymmetric grid */
.split { display: grid; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
/* grid children default to min-width:auto, which lets wide tables blow out the page */
.split > *, .cols > * { min-width: 0; }
@media (min-width: 900px) {
  .split-7-5 { grid-template-columns: 7fr 5fr; }
  .split-5-7 { grid-template-columns: 5fr 7fr; }
  .split-6-6 { grid-template-columns: 1fr 1fr; }
  .split-4-8 { grid-template-columns: 4fr 8fr; }
  .split-8-4 { grid-template-columns: 8fr 4fr; }
}
.sticky-rail { position: sticky; top: 6.5rem; }
@media (max-width: 899px) { .sticky-rail { position: static; } }

.cols { display: grid; gap: var(--s5); }
@media (min-width: 640px)  { .cols-2 { grid-template-columns: repeat(2, 1fr); }
                             .cols-3 { grid-template-columns: repeat(2, 1fr); }
                             .cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px)  { .cols-3 { grid-template-columns: repeat(3, 1fr); }
                             .cols-4 { grid-template-columns: repeat(4, 1fr); } }

/* the motif: a hairline rule notched like the bit of a key */
.key-rule { display: flex; align-items: center; gap: 6px; margin-block: var(--s6); }
.key-rule::before, .key-rule::after { content: ""; height: 1px; background: var(--rule); flex: 1; }
.key-rule i { width: 5px; height: 5px; background: var(--mint-500); display: block; flex: none; }
.key-rule i:nth-of-type(2) { height: 9px; }
.key-rule i:nth-of-type(3) { height: 13px; }
.dark .key-rule::before, .dark .key-rule::after { background: var(--rule-dark); }

/* ---------- 5. BUTTONS --------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-sans); font-size: var(--fs-sm); font-weight: 700;
  letter-spacing: -.005em; line-height: 1;
  padding: .95rem 1.5rem; border-radius: var(--r-sm);
  border: 1px solid transparent; cursor: pointer; text-align: center;
  transition: transform var(--dur) var(--ease), background var(--dur) var(--ease),
              border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease),
              color var(--dur) var(--ease);
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--ink); color: #fff; box-shadow: var(--sh-1); }
.btn-primary:hover { background: var(--ink-2); box-shadow: var(--sh-2); transform: translateY(-1px); }
.btn-mint { background: var(--mint-400); color: #06231e; box-shadow: var(--sh-1); }
.btn-mint:hover { background: var(--mint-300); box-shadow: var(--sh-mint); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--rule); }
.btn-ghost:hover { border-color: var(--ink); background: rgba(12,26,30,.03); transform: translateY(-1px); }
.dark .btn-ghost, .nav .btn-ghost, .page-head .btn-ghost, .cta-band .btn-ghost { color: #fff; border-color: var(--rule-dark); }
.dark .btn-ghost:hover, .nav .btn-ghost:hover, .page-head .btn-ghost:hover, .cta-band .btn-ghost:hover {
  background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.3);
}
.btn-sm { padding: .65rem 1.05rem; font-size: var(--fs-xs); }
.btn-block { width: 100%; }

.link-arrow {
  display: inline-flex; align-items: baseline; gap: .45rem;
  font-weight: 700; font-size: var(--fs-sm); color: var(--mint-800);
  border-bottom: 1px solid var(--mint-300); padding-bottom: 2px;
  transition: color var(--dur) var(--ease), border-color var(--dur) var(--ease), gap var(--dur) var(--ease);
}
.link-arrow:hover { color: var(--mint-900); border-color: var(--mint-700); gap: .8rem; }
.dark .link-arrow, .cta-band .link-arrow { color: var(--mint-300); border-color: rgba(76,219,195,.35); }
.dark .link-arrow:hover, .cta-band .link-arrow:hover { color: var(--mint-200); border-color: var(--mint-400); }

.btn-row { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; }

/* ---------- 6. NAV ------------------------------------------------------- */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: var(--ink);
  border-bottom: 1px solid var(--rule-dark-soft);
  color: #fff;
}
.nav-inner {
  max-width: var(--maxw-wide); margin-inline: auto; padding: 0 var(--gutter);
  display: flex; align-items: center; gap: var(--s5); min-height: 72px;
}
.nav-logo { flex: none; display: flex; align-items: center; }
.nav-logo img { width: 128px; height: 45px; }
.nav-links { display: none; gap: 1.75rem; margin-left: auto; align-items: center; list-style: none; }
.nav-links a {
  color: rgba(255,255,255,.78); font-size: var(--fs-sm); font-weight: 600;
  letter-spacing: -.008em; position: relative; padding-block: .4rem; display: block;
  transition: color var(--dur) var(--ease);
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: 0; height: 1.5px;
  background: var(--mint-400); transition: right var(--dur) var(--ease);
}
.nav-links a:hover { color: #fff; }
.nav-links a:hover::after { right: 0; }
.nav-links a[aria-current="page"] { color: #fff; }
.nav-links a[aria-current="page"]::after { right: 0; }
.nav-cta { display: none; }
.nav-tel {
  display: none; font-size: var(--fs-sm); font-weight: 700; color: #fff;
  font-variant-numeric: tabular-nums; align-items: center; gap: .4rem;
}
.nav-tel:hover { color: var(--mint-300); }
.nav-toggle {
  margin-left: auto; background: rgba(255,255,255,.05); border: 1px solid var(--rule-dark);
  color: #fff; border-radius: var(--r-sm); width: 42px; height: 42px; cursor: pointer;
  display: grid; place-items: center; transition: background var(--dur) var(--ease);
}
.nav-toggle:hover { background: rgba(255,255,255,.1); }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; display: block; width: 17px; height: 1.5px; background: #fff;
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.nav-toggle span::before { transform: translateY(-5.5px); }
.nav-toggle span::after  { transform: translateY(4px); }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after  { transform: rotate(-45deg) translateY(0); }

.nav-drawer {
  display: none; background: var(--ink-2); border-top: 1px solid var(--rule-dark-soft);
  padding: var(--s5) var(--gutter) var(--s6);
}
.nav-drawer.open { display: block; }
.nav-drawer ul { list-style: none; display: grid; gap: 2px; }
.nav-drawer a {
  display: block; padding: .85rem 0; color: rgba(255,255,255,.85);
  font-weight: 600; border-bottom: 1px solid var(--rule-dark-soft);
}
.nav-drawer a[aria-current="page"] { color: var(--mint-300); }
.nav-drawer .btn { margin-top: var(--s5); }

@media (min-width: 1060px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-flex; }
  .nav-tel { display: inline-flex; }
  .nav-toggle { display: none; }
  .nav-drawer { display: none !important; }
}

/* ---------- 7. HERO ------------------------------------------------------ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(120% 90% at 88% -10%, var(--mint-50) 0%, rgba(237,251,247,0) 58%),
    var(--paper);
  border-bottom: 1px solid var(--rule-soft);
  padding-block: clamp(3.25rem, 6vw, 5.5rem) clamp(3.5rem, 7vw, 6rem);
}
/* the keyhole aperture - the motif, used once, large and quiet */
.hero-aperture {
  position: absolute; right: -8%; top: -14%; width: min(640px, 62vw); opacity: .5;
  pointer-events: none; color: var(--mint-300);
}
@media (max-width: 899px) { .hero-aperture { right: -30%; top: -4%; opacity: .3; } }
@media (min-width: 900px) { .hero .split-7-5 { align-items: start; } }

.hero-inner { position: relative; z-index: 1; }
.hero-copy .label { margin-bottom: var(--s5); }
.hero-copy .display { margin-bottom: var(--s5); }
.hero-copy .lead { margin-bottom: var(--s6); }
.hero .btn-row { margin-bottom: var(--s6); }

.hero-trust {
  display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; list-style: none;
  padding-top: var(--s5); border-top: 1px solid var(--rule);
}
.hero-trust li {
  font-size: var(--fs-xs); font-weight: 600; color: var(--slate);
  display: flex; align-items: center; gap: .45rem; letter-spacing: -.005em;
}
.hero-trust li::before {
  content: ""; width: 6px; height: 6px; background: var(--mint-500);
  border-radius: 50%; flex: none;
}

/* ---------- 8. CARDS ----------------------------------------------------- */
.card {
  background: var(--paper-raised);
  border: 1px solid var(--rule);
  border-radius: var(--r-md);
  padding: clamp(1.35rem, 2.4vw, 2rem);
  box-shadow: var(--sh-1);
  transition: box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease),
              border-color var(--dur) var(--ease), background var(--dur) var(--ease);
}
.card h3 { margin-bottom: var(--s3); }
.card p { color: var(--ink-soft); font-size: var(--fs-sm); }
.card-elevated { box-shadow: var(--sh-2); }

a.card { display: block; color: inherit; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--sh-3); border-color: var(--mint-300); }
.card-index {
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 500;
  color: var(--mint-700); font-variant-numeric: tabular-nums; display: block;
  margin-bottom: var(--s4); letter-spacing: .02em;
}
.card-more {
  display: inline-flex; align-items: center; gap: .4rem; margin-top: var(--s4);
  font-size: var(--fs-xs); font-weight: 800; text-transform: uppercase;
  letter-spacing: var(--ls-caps); color: var(--mint-800);
  transition: gap var(--dur) var(--ease);
}
a.card:hover .card-more { gap: .75rem; }

/* the three keys - feature trio */
.keys { display: grid; gap: var(--s5); }
@media (min-width: 900px) { .keys { grid-template-columns: repeat(3, 1fr); } }
.key-card { position: relative; padding-top: var(--s5); border-top: 2px solid var(--ink); }
.key-card .key-glyph { color: var(--mint-600); width: 34px; height: 34px; margin-bottom: var(--s4); }
.key-card h3 { margin-bottom: var(--s3); }
.key-card p { color: var(--ink-soft); font-size: var(--fs-sm); }
.dark .key-card { border-top-color: var(--mint-400); }
.dark .key-card p { color: rgba(255,255,255,.7); }
.dark .key-card .key-glyph { color: var(--mint-400); }

/* figure block */
.figure-row { display: grid; gap: var(--s5); }
@media (min-width: 700px) { .figure-row { grid-template-columns: repeat(3, 1fr); } }
.figure { border-left: 2px solid var(--mint-400); padding-left: var(--s4); }
.figure b {
  display: block; font-family: var(--font-display); font-weight: 500;
  font-size: clamp(2rem, 1.2rem + 2.4vw, 2.9rem); line-height: 1;
  letter-spacing: -.03em; color: var(--ink); font-variant-numeric: tabular-nums;
  margin-bottom: var(--s2);
}
.figure span { font-size: var(--fs-sm); color: var(--slate); display: block; }
.dark .figure span { color: rgba(255,255,255,.66); }
.dark .figure b { color: #fff; }
.source { font-size: var(--fs-xs); color: var(--faint); margin-top: var(--s5); letter-spacing: 0; }
.dark .source { color: rgba(255,255,255,.5); }
.source a { color: inherit; text-decoration: underline; }

/* ---------- 9. DARK SECTIONS --------------------------------------------- */
.dark { background: var(--ink); color: rgba(255,255,255,.76); border-top: 0 !important; }
.dark h1, .dark h2, .dark h3, .dark h4 { color: #fff; }
.dark .card {
  background: rgba(255,255,255,.035); border-color: var(--rule-dark);
  box-shadow: none; color: rgba(255,255,255,.74);
}
.dark .card p { color: rgba(255,255,255,.68); }
.dark a.card:hover { background: rgba(255,255,255,.06); border-color: rgba(76,219,195,.4); }
.dark .card-index, .dark .card-more { color: var(--mint-300); }

/* ---------- 10. STEPS ---------------------------------------------------- */
.steps { list-style: none; counter-reset: s; display: grid; gap: 0; }
.steps li {
  counter-increment: s; position: relative; padding: var(--s5) 0 var(--s5) 4.25rem;
  border-bottom: 1px solid var(--rule);
}
.steps li:first-child { border-top: 1px solid var(--rule); }
.steps li::before {
  content: counter(s, decimal-leading-zero);
  position: absolute; left: 0; top: var(--s5);
  width: 2.75rem; height: 2.75rem; display: grid; place-items: center;
  font-family: var(--font-sans); font-size: var(--fs-xs); font-weight: 800;
  color: var(--mint-900); background: var(--mint-100);
  border-radius: 999px 999px 6px 6px;  /* keyhole silhouette */
  font-variant-numeric: tabular-nums;
}
.steps h3 { font-size: var(--fs-h4); margin-bottom: .35rem; }
.steps p { font-size: var(--fs-sm); color: var(--ink-soft); }
.dark .steps li { border-color: var(--rule-dark); }
.dark .steps li::before { background: rgba(76,219,195,.16); color: var(--mint-300); }
.dark .steps p { color: rgba(255,255,255,.7); }

/* ---------- 11. COMPARE TABLE -------------------------------------------- */
.compare-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.compare { min-width: 560px; font-size: var(--fs-sm); }
.compare caption { text-align: left; font-size: var(--fs-xs); color: var(--muted); padding-bottom: var(--s3); }
.compare th, .compare td { text-align: left; padding: var(--s4); vertical-align: top; }
.compare thead th {
  font-size: var(--fs-label); text-transform: uppercase; letter-spacing: var(--ls-caps);
  font-weight: 800; color: var(--slate); border-bottom: 1px solid var(--ink);
  padding-bottom: var(--s3);
}
.compare thead th.is-us { color: var(--mint-900); }
.compare tbody tr { border-bottom: 1px solid var(--rule); }
.compare tbody th { font-weight: 700; color: var(--ink); width: 30%; }
.compare td.is-us { background: rgba(76,219,195,.09); color: var(--ink); font-weight: 600; }
.compare tbody tr:last-child { border-bottom: 1px solid var(--ink); }

/* ---------- 12. ACCORDION (FAQ) ------------------------------------------ */
.accordion { border-top: 1px solid var(--rule); }
.accordion details { border-bottom: 1px solid var(--rule); }
.accordion summary {
  list-style: none; cursor: pointer; padding: var(--s5) 3rem var(--s5) 0;
  position: relative; font-weight: 700; color: var(--ink); font-size: var(--fs-h4);
  letter-spacing: var(--ls-tight); transition: color var(--dur) var(--ease);
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary:hover { color: var(--mint-800); }
.accordion summary::after, .accordion summary::before {
  content: ""; position: absolute; right: .5rem; top: 50%; background: var(--mint-700);
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.accordion summary::before { width: 14px; height: 1.5px; transform: translateY(-50%); right: .35rem; }
.accordion summary::after  { width: 1.5px; height: 14px; transform: translate(-6px,-50%); }
.accordion details[open] summary::after { opacity: 0; transform: translate(-6px,-50%) rotate(90deg); }
.accordion .answer { padding-bottom: var(--s5); color: var(--ink-soft); max-width: 72ch; font-size: var(--fs-sm); }
.accordion .answer > * + * { margin-top: var(--s3); }

/* ---------- 13. CALCULATORS ---------------------------------------------- */
.calc {
  background: var(--paper-raised); border: 1px solid var(--rule);
  border-radius: var(--r-lg); box-shadow: var(--sh-2); overflow: hidden;
}
.calc-head {
  padding: var(--s5) clamp(1.25rem,3vw,1.75rem);
  border-bottom: 1px solid var(--rule); background: var(--paper-tint);
}
.calc-head h3 { font-size: var(--fs-h4); margin-bottom: .25rem; }
.calc-head p { font-size: var(--fs-xs); color: var(--slate); }
.calc-body { padding: clamp(1.25rem,3vw,1.75rem); display: grid; gap: var(--s5); }
@media (min-width: 900px) { .calc-body.two { grid-template-columns: 1fr 1fr; gap: var(--s7); align-items: start; } }

.field { display: grid; gap: .5rem; margin-bottom: var(--s5); }
.field:last-child { margin-bottom: 0; }
.field > label, .field-label {
  font-size: var(--fs-xs); font-weight: 700; color: var(--ink);
  letter-spacing: -.005em; display: flex; justify-content: space-between;
  align-items: baseline; gap: var(--s3);
}
.field-val {
  font-family: var(--font-sans); font-weight: 800; font-size: var(--fs-sm);
  color: var(--mint-900); font-variant-numeric: tabular-nums;
}
.field-hint { font-size: var(--fs-xs); color: var(--muted); font-weight: 500; }
.input-wrap { position: relative; display: block; }
.input-wrap .prefix {
  position: absolute; left: .85rem; top: 50%; transform: translateY(-50%);
  color: var(--muted); font-weight: 700; font-size: var(--fs-sm); pointer-events: none;
}
.input-wrap .suffix {
  position: absolute; right: .85rem; top: 50%; transform: translateY(-50%);
  color: var(--muted); font-weight: 700; font-size: var(--fs-sm); pointer-events: none;
}
input[type="text"], input[type="email"], input[type="tel"], input[type="number"],
select, textarea {
  width: 100%; background: #fff; border: 1px solid var(--rule);
  border-radius: var(--r-sm); padding: .8rem .9rem; font-size: var(--fs-sm);
  font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  appearance: none;
}
textarea { font-weight: 500; resize: vertical; }
.input-wrap input { padding-left: 2rem; }
.input-wrap input.has-suffix { padding-right: 2.4rem; }
input:hover, select:hover, textarea:hover { border-color: var(--faint); }
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--mint-600); box-shadow: 0 0 0 3px rgba(76,219,195,.25);
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5 11 1.5' stroke='%2350616d' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .9rem center; background-size: 12px;
  padding-right: 2.4rem;
}

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; background: transparent;
  height: 26px; padding: 0; border: 0; cursor: pointer;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 4px; border-radius: 2px;
  background: linear-gradient(to right, var(--mint-500) var(--pct,50%), var(--paper-deep) var(--pct,50%));
}
input[type="range"]::-moz-range-track { height: 4px; border-radius: 2px; background: var(--paper-deep); }
input[type="range"]::-moz-range-progress { height: 4px; border-radius: 2px; background: var(--mint-500); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--ink); border: 3px solid var(--paper-raised); margin-top: -8px;
  box-shadow: var(--sh-2); transition: transform var(--dur) var(--ease);
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--ink);
  border: 3px solid var(--paper-raised); box-shadow: var(--sh-2);
}
input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.12); }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(76,219,195,.4); }
input[type="range"]:focus { box-shadow: none; }

.seg { display: flex; border: 1px solid var(--rule); border-radius: var(--r-sm); overflow: hidden; }
.seg label { flex: 1; position: relative; }
.seg input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.seg span {
  display: block; text-align: center; padding: .65rem .5rem; font-size: var(--fs-xs);
  font-weight: 700; color: var(--slate); cursor: pointer; background: #fff;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
  border-right: 1px solid var(--rule);
}
.seg label:last-child span { border-right: 0; }
.seg span:hover { background: var(--mint-50); color: var(--mint-900); }
.seg input:checked + span { background: var(--ink); color: #fff; }
.seg input:focus-visible + span { outline: 2px solid var(--mint-600); outline-offset: -2px; }

.result {
  background: var(--ink); color: #fff; border-radius: var(--r-md);
  padding: clamp(1.25rem,2.6vw,1.6rem); display: grid; gap: var(--s4);
}
.result-primary { display: flex; align-items: baseline; gap: .6rem; flex-wrap: wrap; }
.result-primary b {
  font-family: var(--font-display); font-weight: 500;
  font-size: clamp(2.2rem, 1.2rem + 3.2vw, 3.2rem); line-height: 1;
  letter-spacing: -.032em; color: var(--mint-300); font-variant-numeric: tabular-nums;
}
.result-primary small { font-size: var(--fs-sm); color: rgba(255,255,255,.62); font-weight: 600; }
.result-label {
  font-size: var(--fs-label); text-transform: uppercase; letter-spacing: var(--ls-caps);
  font-weight: 800; color: rgba(255,255,255,.55);
}
.result-grid {
  display: grid; gap: var(--s3) var(--s5); grid-template-columns: 1fr 1fr;
  border-top: 1px solid var(--rule-dark); padding-top: var(--s4); margin: 0;
}
.result-grid dt { color: rgba(255,255,255,.58); margin-bottom: 2px; font-size: var(--fs-xs); }
.result-grid dd { margin: 0; font-weight: 800; font-size: var(--fs-sm); color: #fff; font-variant-numeric: tabular-nums; }
.result-plain {
  font-size: var(--fs-sm); line-height: 1.55; color: rgba(255,255,255,.82);
  border-top: 1px solid var(--rule-dark); padding-top: var(--s4);
}
.result-plain strong { color: var(--mint-300); font-weight: 700; }
.result-flag {
  display: inline-flex; align-items: center; gap: .45rem; font-size: var(--fs-xs);
  font-weight: 800; padding: .3rem .6rem; border-radius: var(--r-xs);
  text-transform: uppercase; letter-spacing: .08em; margin-bottom: var(--s2);
}
.flag-pass { background: rgba(76,219,195,.18); color: var(--mint-300); }
.flag-fail { background: rgba(233,162,59,.2);  color: var(--amber); }

.calc-note {
  font-size: var(--fs-xs); color: var(--muted); padding: var(--s4) clamp(1.25rem,3vw,1.75rem);
  border-top: 1px solid var(--rule); background: var(--paper-tint); line-height: 1.6;
}

/* compact hero calculator — trimmed so it sits in balance with the headline */
.calc-mini { box-shadow: var(--sh-3); }
.calc-mini .calc-body { gap: var(--s4); padding: var(--s5); }
.calc-mini .calc-head { padding: var(--s4) var(--s5); }
.calc-mini .result { gap: var(--s3); padding: var(--s5); }
.calc-mini .field { margin-bottom: var(--s4); }
.calc-mini .result-primary b { font-size: clamp(2rem, 1.1rem + 2.5vw, 2.6rem); }
.calc-mini .result-grid { gap: var(--s2) var(--s5); padding-top: var(--s3); }
.calc-mini .result-plain { padding-top: var(--s3); font-size: var(--fs-xs); }
.calc-mini .calc-note { padding: var(--s3) var(--s5); }

/* ---------- 14. FORMS / LEAD CAPTURE ------------------------------------- */
.leadform { display: grid; gap: var(--s4); }
.leadform .form-row { display: grid; gap: var(--s4); }
@media (min-width: 560px) { .leadform .form-row { grid-template-columns: 1fr 1fr; } }
.leadform > label { display: grid; gap: .45rem; font-size: var(--fs-xs); font-weight: 700; color: var(--ink); }
.dark .leadform > label, .cta-band .leadform > label { color: rgba(255,255,255,.86); }
.dark .leadform input, .dark .leadform select, .dark .leadform textarea,
.cta-band .leadform input, .cta-band .leadform select, .cta-band .leadform textarea {
  background: rgba(255,255,255,.05); border-color: var(--rule-dark); color: #fff;
}
.dark .leadform input::placeholder, .dark .leadform textarea::placeholder,
.cta-band .leadform input::placeholder, .cta-band .leadform textarea::placeholder { color: rgba(255,255,255,.4); }
.dark .leadform input:focus, .dark .leadform select:focus, .dark .leadform textarea:focus,
.cta-band .leadform input:focus, .cta-band .leadform select:focus, .cta-band .leadform textarea:focus {
  border-color: var(--mint-400); box-shadow: 0 0 0 3px rgba(76,219,195,.22);
}
.dark .leadform select, .cta-band .leadform select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 6 6.5 11 1.5' stroke='%234cdbc3' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
}
.consent {
  display: flex !important; gap: .7rem; align-items: flex-start;
  font-size: var(--fs-xs); font-weight: 500 !important; color: var(--slate) !important;
  line-height: 1.5;
}
.dark .consent, .cta-band .consent { color: rgba(255,255,255,.65) !important; }
.consent input { width: 18px; height: 18px; flex: none; margin-top: .15rem; accent-color: var(--mint-600); }
.form-status { font-size: var(--fs-xs); font-weight: 700; min-height: 1.2em; }
.form-status.err { color: #b3391f; }
.dark .form-status.err, .cta-band .form-status.err { color: #ffb59d; }
.form-status.ok { color: var(--mint-800); }
.dark .form-status.ok, .cta-band .form-status.ok { color: var(--mint-300); }
.form-context {
  font-size: var(--fs-xs); background: var(--mint-50); border: 1px solid var(--mint-200);
  border-radius: var(--r-sm); padding: .7rem .85rem; color: var(--mint-900); font-weight: 600;
  line-height: 1.5;
}
.dark .form-context, .cta-band .form-context {
  background: rgba(76,219,195,.1); border-color: rgba(76,219,195,.28); color: var(--mint-200);
}

.form-success {
  border: 1px solid var(--mint-300); background: var(--mint-50);
  border-radius: var(--r-md); padding: var(--s6);
}
.dark .form-success, .cta-band .form-success { background: rgba(76,219,195,.1); border-color: rgba(76,219,195,.3); }
.form-success h3 { margin-bottom: var(--s3); }
.form-success p { font-size: var(--fs-sm); color: var(--ink-soft); }
.dark .form-success p, .cta-band .form-success p { color: rgba(255,255,255,.78); }
.form-success .key-glyph { color: var(--mint-600); width: 30px; height: 30px; margin-bottom: var(--s4); }
.cta-band .form-success .key-glyph, .dark .form-success .key-glyph { color: var(--mint-400); }
.form-success p + p { margin-top: var(--s3); }

/* ---------- 15. CTA BAND -------------------------------------------------- */
.cta-band { background: var(--ink); color: rgba(255,255,255,.76); position: relative; overflow: hidden; }
.cta-band .hero-aperture { right: -6%; top: -30%; opacity: .14; color: var(--mint-400); }
.cta-band h2 { color: #fff; }
.cta-band .lead { color: rgba(255,255,255,.74); }
.contact-details { list-style: none; display: grid; gap: var(--s3); margin-top: var(--s6); }
.contact-details li { font-size: var(--fs-sm); display: flex; gap: .75rem; align-items: flex-start; }
.contact-details svg { width: 18px; height: 18px; flex: none; color: var(--mint-400); margin-top: .25rem; }
.contact-details a { color: #fff; font-weight: 700; border-bottom: 1px solid rgba(255,255,255,.25); }
.contact-details a:hover { border-color: var(--mint-400); color: var(--mint-300); }

/* ---------- 16. FOOTER ---------------------------------------------------- */
.footer { background: #08161a; color: rgba(255,255,255,.6); padding-block: var(--s8) var(--s6); }
.footer-top { display: grid; gap: var(--s7); padding-bottom: var(--s7); border-bottom: 1px solid var(--rule-dark-soft); }
@media (min-width: 860px) { .footer-top { grid-template-columns: 1.3fr 1fr 1fr; } }
.footer img.brand-logo { width: 150px; height: 53px; margin-bottom: var(--s4); }
.footer h4 {
  color: #fff; font-size: var(--fs-label); text-transform: uppercase;
  letter-spacing: var(--ls-caps); margin-bottom: var(--s4); font-weight: 800;
}
.footer ul { list-style: none; display: grid; gap: .65rem; }
.footer a { color: rgba(255,255,255,.68); font-size: var(--fs-sm); transition: color var(--dur) var(--ease); }
.footer a:hover { color: var(--mint-300); }
.footer p { font-size: var(--fs-sm); }
.footer-legal { padding-top: var(--s6); display: grid; gap: var(--s4); }
.footer-legal p { font-size: var(--fs-xs); line-height: 1.65; color: rgba(255,255,255,.5); max-width: 96ch; }
.footer-legal .warning {
  color: #fff; font-weight: 700; border-left: 2px solid var(--mint-400); padding-left: var(--s4);
}
.footer-legal a { font-size: inherit; color: rgba(255,255,255,.7); text-decoration: underline; }
.footer-meta {
  padding-top: var(--s5); margin-top: var(--s2); border-top: 1px solid var(--rule-dark-soft);
  display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; justify-content: space-between;
  font-size: var(--fs-xs); color: rgba(255,255,255,.45);
}
.footer-meta a { font-size: inherit; }

/* ---------- 17. PAGE HEADER (sub-pages) ---------------------------------- */
.page-head {
  background: var(--ink); color: rgba(255,255,255,.74);
  padding-block: clamp(2.75rem,5.5vw,4.5rem); position: relative; overflow: hidden;
}
.page-head .hero-aperture {
  right: 2%; top: -3%; width: min(420px, 40vw); opacity: .2; color: var(--mint-400);
}
@media (max-width: 899px) { .page-head .hero-aperture { right: -20%; top: 4%; width: min(320px, 62vw); opacity: .13; } }
.page-head > .wrap { position: relative; z-index: 1; }
.page-head h1 { color: #fff; margin-block: var(--s5) var(--s5); max-width: 22ch; }
.page-head .lead { color: rgba(255,255,255,.74); }
.breadcrumb { display: flex; gap: .5rem; font-size: var(--fs-xs); color: rgba(255,255,255,.5); list-style: none; flex-wrap: wrap; }
.breadcrumb a { color: rgba(255,255,255,.66); }
.breadcrumb a:hover { color: var(--mint-300); }
.breadcrumb li + li::before { content: "/"; margin-right: .5rem; opacity: .45; }
.page-head .pill-row { margin-top: var(--s6); }
.page-head .pill { border-color: var(--rule-dark); color: rgba(255,255,255,.7); background: rgba(255,255,255,.04); }

/* ---------- 18. MISC ------------------------------------------------------ */
.callout {
  border-left: 2px solid var(--mint-400); background: var(--mint-50);
  padding: var(--s5); border-radius: 0 var(--r-md) var(--r-md) 0;
}
.callout h4 { margin-bottom: var(--s2); }
.callout p { font-size: var(--fs-sm); color: var(--ink-soft); }
.callout p + p { margin-top: var(--s3); }
.callout-amber { border-left-color: var(--amber); background: var(--amber-tint); }
.callout-amber p { color: #5a3c0d; }
.callout-amber h4 { color: #4a3109; }

.worked {
  border: 1px solid var(--rule); border-radius: var(--r-md);
  background: var(--paper-raised); padding: var(--s5); font-variant-numeric: tabular-nums;
}
.worked h4 { margin-bottom: var(--s4); }
.worked dl { display: grid; grid-template-columns: 1fr auto; gap: .55rem var(--s4); margin: 0; font-size: var(--fs-sm); }
.worked dt { color: var(--slate); }
.worked dd { margin: 0; font-weight: 800; color: var(--ink); text-align: right; }
.worked .total { border-top: 1px solid var(--ink); padding-top: .55rem; margin-top: .3rem; color: var(--mint-900); }
.worked .foot { font-size: var(--fs-xs); color: var(--muted); margin-top: var(--s4); }

.pill-row { display: flex; flex-wrap: wrap; gap: var(--s2); }
.pill {
  font-size: var(--fs-xs); font-weight: 700; padding: .38rem .8rem;
  border-radius: var(--r-pill); border: 1px solid var(--rule); color: var(--slate);
  background: var(--paper-raised);
}
.band-tint { background: var(--paper-tint); }
.stack > * + * { margin-top: var(--s5); }
.stack-lg > * + * { margin-top: var(--s6); }

/* ---------- 19. REVEAL ---------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(12px); }
.reveal.in { opacity: 1; transform: none; transition: opacity var(--dur-slow) var(--ease), transform var(--dur-slow) var(--ease); }

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

/* ---------- 20. NARROW ---------------------------------------------------- */
@media (max-width: 420px) {
  :root { --fs-body: 1rem; }
  .btn { padding: .85rem 1.1rem; }
  .btn-row .btn { width: 100%; }
  .result-grid { grid-template-columns: 1fr; }
  .steps li { padding-left: 3.5rem; }
  .steps li::before { width: 2.35rem; height: 2.35rem; }
  .footer-meta { flex-direction: column; }
}