/* ===========================================================================
   PERSONAL LOANS CHOICE — main stylesheet  v2 (Discover-style structure)
   White-dominant, all-sans, card-based sections, warm rust accent.
   Contrast values verified against WCAG 2.1 and noted inline.
   =========================================================================== */

:root {
  /* ink ---------------------------------------------------------------- */
  --ink:        #231710;   /* 17.48:1 on white — AAA */
  --ink-2:      #5C4A3E;   /*  8.39:1 on white — AAA */
  --ink-3:      #6B5A4E;   /*  6.57:1 on white — AAA */

  /* accent -------------------------------------------------------------- */
  --rust:       #A63F06;   /*  6.30:1 on white — AA/AAA large */
  --rust-btn:   #B24408;   /*  5.64:1 white text on it — AA   */
  --rust-deep:  #7A2C05;
  --rust-tint:  #FBF1EA;
  --amber:      #E39A3A;   /*  7.45:1 on espresso — AAA. Dark surfaces only. */

  /* surfaces ------------------------------------------------------------ */
  --white:      #FFFFFF;
  --gray-50:    #F7F5F3;
  --gray-100:   #EFEBE6;
  --line:       #E4DED8;
  --line-2:     #D5CCC3;
  --espresso:   #231710;
  --rule-dark:  #4A362A;
  --on-dark:    #F6F2ED;   /* 15.68:1 on espresso — AAA */
  --on-dark-2:  #D9C9BB;   /* 10.84:1 on espresso — AAA */

  /* type ---------------------------------------------------------------- */
  --head: "Figtree", "Segoe UI", Helvetica, Arial, sans-serif;
  --body: "Source Sans 3", "Segoe UI", Helvetica, Arial, sans-serif;

  /* metrics ------------------------------------------------------------- */
  --shell:  1220px;
  --r-sm:   6px;
  --r-md:   10px;
  --r-lg:   16px;
  --r-xl:   24px;
  --ease:   cubic-bezier(.22,.61,.36,1);
  --card:   0 1px 2px rgba(35,23,16,.05), 0 8px 24px rgba(35,23,16,.07);
  --card-2: 0 2px 6px rgba(35,23,16,.07), 0 18px 46px rgba(35,23,16,.11);
}

/* --- reset ---------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.62;
  color: var(--ink-2);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--rust); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--rust-deep); }
button { font: inherit; color: inherit; }
h1, h2, h3, h4 {
  font-family: var(--head); color: var(--ink); font-weight: 800;
  line-height: 1.15; letter-spacing: -.02em; margin: 0 0 .5em;
}
h1 { font-size: clamp(2.1rem, 5vw, 3.3rem); }
h2 { font-size: clamp(1.7rem, 3.6vw, 2.5rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); font-weight: 700; }
p  { margin: 0 0 1.1em; }
ul, ol { margin: 0; padding: 0; }
li { list-style: none; }
table { border-collapse: collapse; width: 100%; }

.shell { width: min(100% - 2.5rem, var(--shell)); margin-inline: auto; }
.shell-narrow { width: min(100% - 2.5rem, 900px); margin-inline: auto; }
.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;
}

/* --- focus visibility (a11y baseline) ------------------------------------- */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, summary:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--rust);
  outline-offset: 3px;
  border-radius: 4px;
}
.on-dark a:focus-visible, .on-dark button:focus-visible,
.on-dark input:focus-visible, .on-dark [tabindex]:focus-visible {
  outline-color: var(--amber);
}

.skip-link {
  position: absolute; top: -100px; left: 0; z-index: 999;
  background: var(--rust-btn); color: #fff; padding: 12px 20px;
  text-decoration: none; font-weight: 700; border-radius: 0 0 var(--r-sm) 0;
}
.skip-link:focus { top: 0; }

/* --- shared bits ---------------------------------------------------------- */
.eyebrow {
  font-family: var(--head);
  font-size: .74rem; font-weight: 800; letter-spacing: .14em;
  text-transform: uppercase; color: var(--rust); margin: 0 0 .85rem;
}
.on-dark .eyebrow { color: var(--amber); }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--head); font-weight: 700; font-size: 1rem;
  padding: .92rem 1.9rem; border-radius: 100px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: background-color .2s var(--ease), border-color .2s var(--ease),
              color .2s var(--ease), box-shadow .2s var(--ease);
}
.btn-solid { background: var(--rust-btn); color: #fff; }
.btn-solid:hover { background: var(--rust-deep); color: #fff; box-shadow: 0 6px 18px rgba(178,68,8,.28); }
.btn-ghost { border-color: var(--line-2); color: var(--ink); background: var(--white); }
.btn-ghost:hover { border-color: var(--ink); color: var(--ink); }
.on-dark .btn-ghost { border-color: var(--rule-dark); color: var(--on-dark); background: transparent; }
.on-dark .btn-ghost:hover { border-color: var(--amber); color: var(--amber); }
.btn-sm { padding: .58rem 1.2rem; font-size: .9rem; border-width: 1.5px; }
.btn-lg { padding: 1.05rem 2.3rem; font-size: 1.08rem; }
.btn-block { width: 100%; }

.band { padding: 3.6rem 0; }
.band-gray { background: var(--gray-50); }
.band-dark { background: var(--espresso); color: var(--on-dark-2); }
.band-dark h2, .band-dark h3 { color: var(--on-dark); }
.section-head { max-width: 44rem; margin-bottom: 2.4rem; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head p { font-size: 1.05rem; margin-bottom: 0; }
.band-dark .section-head p { color: var(--on-dark-2); }

/* ===========================================================================
   HEADER — utility bar + main nav with dropdowns
   =========================================================================== */
.util-bar { background: var(--espresso); color: var(--on-dark-2); font-size: .8rem; }
.util-bar .shell { display: flex; justify-content: flex-end; gap: 1.5rem;
  min-height: 38px; align-items: center; flex-wrap: wrap; }
.util-bar a { color: var(--on-dark-2); text-decoration: none; }
.util-bar a:hover { color: var(--amber); text-decoration: underline; }
.util-note { margin-right: auto; opacity: .85; }

.site-header { position: sticky; top: 0; z-index: 60;
  background: var(--white); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; gap: 1.2rem; min-height: 78px; }

.brand { display: flex; align-items: center; gap: .65rem; text-decoration: none; margin-right: auto; }
.brand-type { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: var(--head); font-size: 1.2rem; font-weight: 800;
  color: var(--ink); letter-spacing: -.025em; }
.brand-sub { font-size: .58rem; letter-spacing: .2em; text-transform: uppercase;
  color: var(--ink-3); margin-top: .3rem; font-weight: 600; }

.site-nav { display: none; }
.nav-list { display: flex; align-items: center; gap: .2rem; }
.nav-item { position: relative; }
.nav-item > a, .nav-item > .nav-top {
  display: inline-flex; align-items: center; gap: .4rem;
  font-family: var(--head); font-weight: 600; font-size: .95rem;
  color: var(--ink); text-decoration: none; padding: 1.7rem .8rem;
  background: none; border: 0; cursor: pointer;
}
.nav-item > a:hover, .nav-item > .nav-top:hover { color: var(--rust); }
.nav-item > a[aria-current="page"] { color: var(--rust); box-shadow: inset 0 -3px 0 var(--rust-btn); }
.nav-caret { width: 8px; height: 8px; border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px);
  transition: transform .2s var(--ease); }
.nav-item:hover .nav-caret, .nav-item:focus-within .nav-caret { transform: rotate(-135deg) translateY(-2px); }

.dropdown {
  display: none; position: absolute; top: 100%; left: 0; min-width: 260px;
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--r-md); box-shadow: var(--card-2); padding: .5rem; z-index: 70;
}
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown { display: block; }
.dropdown a { display: block; padding: .6rem .8rem; border-radius: var(--r-sm);
  color: var(--ink-2); text-decoration: none; font-size: .93rem; }
.dropdown a:hover { background: var(--rust-tint); color: var(--rust); }

.header-cta { display: none; }

.nav-toggle { display: inline-flex; align-items: center; gap: .5rem; background: none;
  border: 1.5px solid var(--line-2); border-radius: 100px; padding: .5rem .95rem;
  cursor: pointer; font-size: .85rem; font-weight: 700; color: var(--ink);
  font-family: var(--head); }
.nav-toggle-bars { display: flex; flex-direction: column; gap: 4px; width: 16px; }
.nav-toggle-bars i { height: 2px; background: var(--ink); border-radius: 2px;
  transition: transform .3s var(--ease); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars i:first-child { transform: translateY(3px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars i:last-child  { transform: translateY(-3px) rotate(-45deg); }

.mobile-nav { display: grid; padding: 0 1.25rem; background: var(--white);
  max-height: 0; overflow: hidden; border-top: 0 solid var(--line);
  transition: max-height .35s var(--ease), padding .35s var(--ease); }
.mobile-nav.is-open { max-height: 760px; padding: 1rem 1.25rem 1.6rem; border-top-width: 1px; }
.mobile-nav ul { display: grid; margin-bottom: .9rem; }
.mobile-nav a { display: block; padding: .72rem 0; color: var(--ink); text-decoration: none;
  font-size: 1rem; font-weight: 600; font-family: var(--head);
  border-bottom: 1px solid var(--line); }
.mobile-nav .sub a { padding-left: 1rem; font-weight: 400; font-family: var(--body);
  color: var(--ink-2); font-size: .93rem; }

/* ===========================================================================
   HERO — copy left, photograph right
   =========================================================================== */
.hero-d { background: var(--white); padding: 2.6rem 0 0; }
.hero-d-grid { display: grid; gap: 2.2rem; align-items: center; }
.hero-d h1 { margin-bottom: .3rem; }
.hero-kicker { font-family: var(--head); font-size: clamp(1.15rem,2.4vw,1.6rem);
  font-weight: 700; color: var(--rust); margin: 0 0 .9rem; letter-spacing: -.01em; }
.hero-d-sub { font-size: 1.12rem; max-width: 32rem; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; margin-top: 1.5rem; }
.hero-micro { font-size: .88rem; color: var(--ink-3); margin: 0; max-width: 15rem; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 1.4rem; margin-top: 2rem;
  padding-top: 1.5rem; border-top: 1px solid var(--line); }
.hero-badges li { display: flex; align-items: center; gap: .55rem; font-size: .9rem;
  font-weight: 700; color: var(--ink); font-family: var(--head); }
.hero-badges svg { width: 20px; height: 20px; color: var(--rust); flex: none; }

.hero-media { position: relative; }
.hero-media img { border-radius: var(--r-xl); width: 100%; height: auto;
  aspect-ratio: 4/3; object-fit: cover; }
.hero-chip { position: absolute; left: -10px; bottom: 24px; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--card-2);
  padding: .95rem 1.2rem; max-width: 15rem; }
.hero-chip b { display: block; font-family: var(--head); font-size: 1.45rem;
  font-weight: 800; color: var(--ink); line-height: 1; }
.hero-chip span { font-size: .8rem; color: var(--ink-3); display: block; margin-top: .35rem; }

/* ===========================================================================
   USE TILES
   =========================================================================== */
.uses { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.use-tile { display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: .8rem; padding: 1.6rem 1rem; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--r-lg);
  text-decoration: none; color: var(--ink); font-family: var(--head);
  font-weight: 700; font-size: .97rem;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), transform .2s var(--ease); }
.use-tile:hover { border-color: var(--rust); color: var(--rust); box-shadow: var(--card); transform: translateY(-3px); }
.use-ic { width: 54px; height: 54px; border-radius: 50%; background: var(--rust-tint);
  display: grid; place-items: center; flex: none; }
.use-ic svg { width: 26px; height: 26px; color: var(--rust); }

/* ===========================================================================
   FORM SECTION
   =========================================================================== */
.form-card { background: var(--white); border: 1px solid var(--line);
  border-radius: var(--r-xl); box-shadow: var(--card-2);
  padding: 1.8rem 1.3rem; max-width: 780px; margin-inline: auto; }
.form-card-head { text-align: center; margin-bottom: 1.6rem; }
.form-card-head h2 { font-size: clamp(1.5rem,3vw,2rem); margin-bottom: .35rem; }
.form-card-head p { font-size: .95rem; color: var(--ink-3); margin: 0; }

.wiz-progress { margin-bottom: 1.6rem; }
.wiz-count { font-family: var(--head); font-size: .74rem; letter-spacing: .12em;
  text-transform: uppercase; font-weight: 800; color: var(--ink-3);
  margin: 0 0 .55rem; text-align: center; }
.wiz-rail { position: relative; height: 6px; background: var(--gray-100);
  border-radius: 6px; overflow: hidden; }
.wiz-rail-fill { position: absolute; inset-block: 0; left: 0; background: var(--rust-btn);
  border-radius: 6px; transition: width .45s var(--ease); }
.wiz-notch { display: none; }

.wiz-step { animation: stepIn .35s var(--ease) both; }
@keyframes stepIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.wiz-q { font-size: clamp(1.25rem,2.6vw,1.6rem); margin-bottom: .3rem;
  text-align: center; outline-offset: 6px; }
.wiz-help { font-size: .92rem; color: var(--ink-3); margin-bottom: 1.4rem; text-align: center; }

.wiz-back, .wiz-skip { background: none; border: 0; cursor: pointer; padding: .5rem 0;
  font-family: var(--head); font-size: .88rem; font-weight: 700; color: var(--ink-3); }
.wiz-back:hover, .wiz-skip:hover { color: var(--rust); text-decoration: underline; }
.wiz-back { margin-top: 1.2rem; }
.wiz-row { display: flex; gap: 1.6rem; align-items: center; justify-content: center; }
.wiz-row .wiz-back { margin-top: 0; }

.amount-rail { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; }
.amount-stop { background: var(--white); border: 2px solid var(--line); cursor: pointer;
  border-radius: var(--r-lg); padding: 1.1rem .8rem; text-align: center;
  display: grid; justify-items: center; gap: .2rem;
  transition: border-color .2s var(--ease), background-color .2s var(--ease), transform .2s var(--ease); }
.amount-tick { display: none; }
.amount-short { font-family: var(--head); font-size: 1.55rem; font-weight: 800;
  color: var(--ink); line-height: 1; }
.amount-full { font-size: .8rem; font-weight: 700; color: var(--ink-2); font-family: var(--head); }
.amount-note { font-size: .74rem; color: var(--ink-3); line-height: 1.35; }
.amount-stop:hover { border-color: var(--rust); transform: translateY(-2px); }
.amount-stop[aria-checked="true"] { border-color: var(--rust-btn); background: var(--rust-tint); }
.amount-stop[aria-checked="true"] .amount-short { color: var(--rust); }

.pill-grid { display: grid; gap: .6rem; }
.pill-grid-2 { grid-template-columns: repeat(2, 1fr); }
.pill-grid-3 { grid-template-columns: 1fr; }
.pill { background: var(--white); border: 2px solid var(--line); cursor: pointer;
  border-radius: var(--r-md); padding: .95rem 1.1rem; text-align: left;
  font-family: var(--head); font-size: .96rem; font-weight: 600; color: var(--ink);
  display: flex; align-items: center; justify-content: space-between; gap: .6rem;
  transition: border-color .2s var(--ease), background-color .2s var(--ease); }
.pill::after { content: ""; width: 18px; height: 18px; flex: none; border-radius: 50%;
  border: 2px solid var(--line-2); transition: all .2s var(--ease); }
.pill:hover { border-color: var(--rust); }
.pill[aria-checked="true"] { border-color: var(--rust-btn); background: var(--rust-tint); }
.pill[aria-checked="true"]::after { border-color: var(--rust-btn); background: var(--rust-btn);
  box-shadow: inset 0 0 0 3px var(--white); }

.field { margin-bottom: 1.05rem; }
.field label { display: block; font-family: var(--head); font-size: .82rem;
  font-weight: 700; color: var(--ink); margin-bottom: .4rem; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line-2);
  border-radius: var(--r-md); padding: .85rem 1rem;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease); }
.field input:hover, .field textarea:hover { border-color: var(--ink-3); }
.field input:focus, .field textarea:focus, .field select:focus {
  border-color: var(--rust-btn); box-shadow: 0 0 0 4px rgba(178,68,8,.13); }
.field input[aria-invalid="true"] { border-color: #A31212; }
.field-err { font-size: .84rem; color: #A31212; margin: .35rem 0 0; font-weight: 600; }
.field-row { display: grid; gap: 0; }
.field-half { max-width: 13rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.consent { display: grid; grid-template-columns: 22px 1fr; gap: .7rem;
  background: var(--gray-50); border: 1px solid var(--line);
  border-radius: var(--r-md); padding: .95rem 1rem; margin: .3rem 0 1rem; }
.consent input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--rust-btn); }
.consent label { font-family: var(--body); font-size: .74rem; line-height: 1.55;
  color: var(--ink-3); font-weight: 400; margin: 0; }
.wiz-fine { font-size: .8rem; color: var(--ink-3); text-align: center; margin: .9rem 0 0; }

/* ===========================================================================
   ESTIMATOR
   =========================================================================== */
.calc-card { background: var(--white); border: 1px solid var(--line);
  border-radius: var(--r-xl); box-shadow: var(--card); overflow: hidden; }
.calc-grid { display: grid; }

.calc-out { background: var(--espresso); color: var(--on-dark-2); padding: 2rem 1.6rem; }
.calc-out .est-label { display: block; font-family: var(--head); font-size: .76rem;
  letter-spacing: .12em; text-transform: uppercase; font-weight: 800;
  color: var(--on-dark-2); margin-bottom: .5rem; }
.calc-figure strong { display: block; font-family: var(--head);
  font-size: clamp(2.8rem,8vw,3.6rem); font-weight: 800; color: var(--on-dark);
  line-height: 1; letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.calc-figure em { font-style: normal; font-size: .9rem; color: var(--on-dark-2); }
.calc-mini { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem;
  margin-top: 1.5rem; padding-top: 1.3rem; border-top: 1px solid var(--rule-dark); }
.calc-mini span { display: block; font-size: .74rem; letter-spacing: .08em;
  text-transform: uppercase; color: var(--on-dark-2); font-weight: 700; margin-bottom: .25rem; }
.calc-mini b { font-family: var(--head); font-size: 1.35rem; font-weight: 800;
  color: var(--amber); font-variant-numeric: tabular-nums; }

.est-bar { display: flex; height: 10px; border-radius: 100px; overflow: hidden;
  background: var(--rule-dark); margin-top: 1.5rem; }
.est-bar i { display: block; transition: width .45s var(--ease); }
.est-bar .p { background: var(--on-dark); }
.est-bar .i { background: var(--amber); }
.est-key { display: flex; justify-content: space-between; margin-top: .8rem;
  font-size: .82rem; gap: 1rem; flex-wrap: wrap; }
.est-key div { display: flex; align-items: center; gap: .45rem; }
.est-key b { color: var(--on-dark); font-weight: 700; font-variant-numeric: tabular-nums; }
.est-key i { width: 9px; height: 9px; border-radius: 50%; flex: none; }
.est-key .p i { background: var(--on-dark); }
.est-key .i i { background: var(--amber); }

.calc-in { padding: 2rem 1.6rem; }
.est-control { margin-bottom: 1.7rem; }
.est-control label { display: flex; justify-content: space-between; align-items: baseline;
  font-family: var(--head); font-size: .88rem; font-weight: 700; color: var(--ink);
  margin-bottom: .55rem; }
.est-control label b { font-size: 1.3rem; font-weight: 800; color: var(--rust);
  font-variant-numeric: tabular-nums; }
.est-control input[type="range"] { width: 100%; -webkit-appearance: none; appearance: none;
  background: transparent; cursor: pointer; height: 26px; }
.est-control input[type="range"]::-webkit-slider-runnable-track {
  height: 6px; background: var(--gray-100); border-radius: 6px; }
.est-control input[type="range"]::-moz-range-track {
  height: 6px; background: var(--gray-100); border-radius: 6px; }
.est-control input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: var(--rust-btn); border: 4px solid var(--white); margin-top: -10px;
  box-shadow: 0 1px 5px rgba(35,23,16,.3); transition: transform .18s var(--ease); }
.est-control input[type="range"]::-moz-range-thumb {
  width: 26px; height: 26px; border-radius: 50%; border: 4px solid var(--white);
  background: var(--rust-btn); box-shadow: 0 1px 5px rgba(35,23,16,.3); }
.est-control input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.08); }
.est-scale { display: flex; justify-content: space-between; font-size: .78rem;
  color: var(--ink-3); margin-top: -.2rem; }

.calc-hint { background: var(--gray-50); border-radius: var(--r-md);
  padding: 1.1rem 1.2rem; margin-top: .4rem; }
.calc-hint h3 { font-size: .95rem; margin-bottom: .55rem; }
.calc-hint li { position: relative; padding-left: 1.1rem; font-size: .89rem;
  color: var(--ink-2); margin-bottom: .35rem; }
.calc-hint li::before { content: ""; position: absolute; left: 0; top: .62em;
  width: 5px; height: 5px; border-radius: 50%; background: var(--rust); }
.calc-note { font-size: .8rem; color: var(--ink-3); margin: 1.3rem 0 0; }

details.tip { margin-top: 1rem; }
details.tip summary { cursor: pointer; font-family: var(--head); font-weight: 700;
  font-size: .88rem; color: var(--rust); list-style: none; }
details.tip summary::-webkit-details-marker { display: none; }
details.tip summary::after { content: " \25BE"; }
details.tip[open] summary::after { content: " \25B4"; }
details.tip .tip-body { font-size: .85rem; color: var(--ink-2); background: var(--gray-50);
  border-radius: var(--r-md); padding: .9rem 1rem; margin-top: .6rem; }
details.tip .tip-body p:last-child { margin-bottom: 0; }

/* ===========================================================================
   COUNT-ON GRID
   =========================================================================== */
.counts { display: grid; gap: 1.8rem; }
.count-ic { width: 46px; height: 46px; border-radius: var(--r-md);
  background: var(--rust-tint); display: grid; place-items: center; margin-bottom: .9rem; }
.count-ic svg { width: 24px; height: 24px; color: var(--rust); }
.count-item h3 { margin-bottom: .35rem; }
.count-item p { font-size: .94rem; margin: 0; }

/* ===========================================================================
   CHECK TABLE
   =========================================================================== */
.tbl-wrap { border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; background: var(--white); }
.tbl-scroll { overflow-x: auto; }
.tbl-wrap table { font-size: .93rem; min-width: 620px; }
.tbl-wrap th, .tbl-wrap td { padding: .95rem 1.1rem; text-align: left;
  border-bottom: 1px solid var(--line); vertical-align: top; }
.tbl-wrap thead th { background: var(--gray-50); font-family: var(--head);
  font-weight: 800; color: var(--ink); font-size: .8rem;
  letter-spacing: .05em; text-transform: uppercase; }
.tbl-wrap tbody th { font-family: var(--head); font-weight: 700; color: var(--ink); width: 26%; }
.tbl-wrap tbody tr:last-child th, .tbl-wrap tbody tr:last-child td { border-bottom: 0; }
.tbl-wrap tbody tr:hover { background: var(--gray-50); }

/* ===========================================================================
   VOICES
   =========================================================================== */
.voice-grid { display: grid; gap: 1.2rem; }
.voice { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 1.5rem; display: flex; flex-direction: column; gap: 1rem; }
.voice p { font-size: 1.02rem; color: var(--ink); line-height: 1.5; margin: 0; }
.voice-who { display: flex; align-items: center; gap: .75rem; margin-top: auto; }
.voice-who img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; flex: none; }
.voice-who span { font-size: .85rem; line-height: 1.35; }
.voice-who b { display: block; color: var(--ink); font-weight: 700; font-family: var(--head); }

/* ===========================================================================
   HOW TO
   =========================================================================== */
.howto { display: grid; gap: 2rem; counter-reset: s; }
.howto-item { counter-increment: s; text-align: center; }
.howto-item::before { content: counter(s); display: grid; place-items: center;
  margin: 0 auto .9rem; width: 46px; height: 46px; border-radius: 50%;
  background: var(--rust-btn); color: #fff; font-family: var(--head);
  font-size: 1.15rem; font-weight: 800; }
.howto-item h3 { margin-bottom: .35rem; }
.howto-item p { font-size: .94rem; margin: 0; }

/* ===========================================================================
   FAQ
   =========================================================================== */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 1.25rem 2.4rem 1.25rem 0;
  font-family: var(--head); font-size: 1.05rem; font-weight: 700; color: var(--ink);
  position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: .5rem; top: 1.6rem;
  width: 10px; height: 10px; border-right: 2px solid var(--rust);
  border-bottom: 2px solid var(--rust); transform: rotate(45deg);
  transition: transform .25s var(--ease); }
.faq details[open] summary::after { transform: rotate(-135deg); top: 1.8rem; }
.faq .faq-a { padding: 0 2.4rem 1.35rem 0; font-size: .95rem; }
.faq .faq-a p:last-child { margin-bottom: 0; }

/* ===========================================================================
   CTA + DISCLOSURES
   =========================================================================== */
.cta-band { text-align: center; }
.cta-band h2 { max-width: 24ch; margin-inline: auto; }
.cta-band > .shell > p { max-width: 48ch; margin-inline: auto; }
.cta-actions { display: flex; flex-wrap: wrap; gap: .8rem; justify-content: center; margin-top: 1.6rem; }

.disclosures { background: var(--gray-50); border-top: 1px solid var(--line); padding: 2.6rem 0; }
.disclosures h2 { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--ink-3); margin-bottom: 1rem; }
.disclosures p { font-size: .78rem; line-height: 1.6; color: var(--ink-3); max-width: 68rem; }
.disclosures p:last-child { margin-bottom: 0; }

/* ===========================================================================
   PAGE HEADS + generic content blocks
   =========================================================================== */
.page-head { background: var(--gray-50); border-bottom: 1px solid var(--line); padding: 3rem 0; }
.page-head .hero-copy { max-width: 44rem; }
.page-head h1 { font-size: clamp(1.9rem,4.4vw,2.9rem); }
.hero-sub { font-size: 1.1rem; color: var(--ink-2); }

.split { display: grid; gap: 2.4rem; align-items: center; }
.check-list { display: grid; gap: 1rem; margin-top: 1.4rem; }
.check-list li { display: grid; grid-template-columns: 24px 1fr; gap: .8rem; font-size: .96rem; }
.check-list svg { width: 22px; height: 22px; color: var(--rust); margin-top: 1px; }
.check-list b { color: var(--ink); font-weight: 700; font-family: var(--head); }
.figure { border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--card);
  position: relative; background: var(--gray-100); }
.figure img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4/3; }
.figure figcaption { position: absolute; left: 1rem; right: 1rem; bottom: 1rem;
  background: rgba(35,23,16,.88); color: var(--on-dark); font-size: .8rem;
  padding: .6rem .85rem; border-radius: var(--r-sm); }

.steps { display: grid; gap: 1.6rem; counter-reset: s; }
.step-item { position: relative; padding-top: 1.5rem; border-top: 2px solid var(--line);
  counter-increment: s; }
.step-item::before { content: counter(s, decimal-leading-zero);
  font-family: var(--head); font-size: .85rem; font-weight: 800; color: var(--rust);
  position: absolute; top: -.85rem; left: 0; background: var(--white); padding-right: .7rem; }
.band-gray .step-item::before { background: var(--gray-50); }
.step-item h3 { margin-bottom: .35rem; }
.step-item p { font-size: .94rem; margin: 0; }

/* ===========================================================================
   CONTACT — notecard form
   =========================================================================== */
.note-wrap { display: grid; gap: 2rem; }
.notecard { position: relative; background: var(--white); border: 1px solid var(--line);
  border-radius: var(--r-xl); padding: 2rem 1.5rem; box-shadow: var(--card-2); overflow: hidden; }
.notecard::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px;
  background: linear-gradient(90deg, var(--rust-btn) 0 33%, var(--amber) 33% 66%, var(--ink) 66% 100%); }
.notecard::after { content: ""; position: absolute; left: 2.6rem; top: 5px; bottom: 0;
  width: 1px; background: rgba(178,68,8,.14); }
.note-inner { position: relative; z-index: 1; padding-left: 1.4rem; }
.note-kicker { font-family: var(--head); font-size: .74rem; letter-spacing: .14em;
  text-transform: uppercase; font-weight: 800; color: var(--rust); margin: 0 0 .4rem; }
.topic-set { border: 0; padding: 0; margin: 0 0 1.4rem; }
.topic-set legend { font-family: var(--head); font-size: .82rem; font-weight: 700;
  color: var(--ink); padding: 0; margin-bottom: .55rem; }
.topic-chips { display: flex; flex-wrap: wrap; gap: .45rem; }
.topic-chips label { font-family: var(--head); font-size: .88rem; font-weight: 600;
  color: var(--ink-2); cursor: pointer; border: 1.5px solid var(--line-2);
  border-radius: 100px; padding: .45rem .95rem; transition: all .2s var(--ease);
  margin: 0; display: inline-block; }
.topic-chips input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.topic-chips input:checked + label { border-color: var(--rust-btn); background: var(--rust-btn); color: #fff; }
.topic-chips input:focus-visible + label { outline: 2px solid var(--rust); outline-offset: 3px; }

.note-line { position: relative; margin-bottom: 1.5rem; }
.note-line label { position: absolute; left: 0; top: .85rem; font-size: 1rem;
  color: var(--ink-3); pointer-events: none; transition: all .22s var(--ease);
  font-weight: 400; font-family: var(--body); margin: 0; }
.note-line input, .note-line textarea { width: 100%; font: inherit; font-size: 1.02rem;
  color: var(--ink); background: transparent; border: 0;
  border-bottom: 1.5px solid var(--line-2); border-radius: 0;
  padding: .85rem 0 .5rem; resize: vertical; }
.note-line textarea { min-height: 120px; line-height: 1.6; }
.note-line input:focus, .note-line textarea:focus { outline: none;
  border-bottom-color: var(--rust-btn); box-shadow: none; }
.note-line input:focus + label, .note-line textarea:focus + label,
.note-line input:not(:placeholder-shown) + label,
.note-line textarea:not(:placeholder-shown) + label {
  top: -.6rem; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase;
  font-weight: 800; color: var(--rust); font-family: var(--head); }
.note-line .bar { position: absolute; left: 0; bottom: 0; height: 1.5px; width: 0;
  background: var(--rust-btn); transition: width .32s var(--ease); }
.note-line input:focus ~ .bar, .note-line textarea:focus ~ .bar { width: 100%; }
.note-count { font-size: .76rem; color: var(--ink-3); text-align: right; margin: .3rem 0 0; }

.note-aside { display: grid; gap: 1.2rem; align-content: start; }
.note-fact { border-left: 3px solid var(--rust); padding-left: 1.1rem; }
.note-fact h3 { font-size: 1rem; margin-bottom: .25rem; }
.note-fact p { font-size: .9rem; margin: 0; }

.flash { border-radius: var(--r-md); padding: 1rem 1.15rem; margin-bottom: 1.5rem;
  font-size: .93rem; border: 1px solid; }
.flash-ok  { background: #F0F6F1; border-color: #BFD9C4; color: #1E4A2A; }
.flash-bad { background: #FBF0EF; border-color: #E4C2BE; color: #8A1A12; }

/* --- footer --------------------------------------------------------------- */
.site-footer { background: var(--espresso); color: var(--on-dark-2); padding: 3.4rem 0 2rem; }
.footer-top { display: grid; gap: 2.2rem; padding-bottom: 2.2rem; border-bottom: 1px solid var(--rule-dark); }
.footer-name { color: var(--on-dark); font-size: 1.3rem; font-family: var(--head); font-weight: 800; }
.footer-blurb { font-size: .9rem; margin: .7rem 0 0; max-width: 26rem; }
.footer-h { font-family: var(--head); font-size: .74rem; letter-spacing: .14em;
  text-transform: uppercase; color: var(--amber); margin: 0 0 .9rem; font-weight: 800; }
.footer-col ul { display: grid; gap: .5rem; }
.footer-col a { color: var(--on-dark-2); text-decoration: none; font-size: .92rem; }
.footer-col a:hover { color: var(--amber); text-decoration: underline; }
.footer-contact li { font-size: .9rem; line-height: 1.5; }
.footer-legal { padding-top: 1.6rem; }
.footer-legal p { font-size: .76rem; line-height: 1.62; color: var(--on-dark-2);
  opacity: .82; max-width: 64rem; }
.footer-copy { margin-top: 1.4rem; opacity: 1 !important; }

/* --- reveal on scroll ----------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(18px); }
.reveal.is-in { opacity: 1; transform: none;
  transition: opacity .6s var(--ease), transform .6s var(--ease); }

/* ===========================================================================
   BREAKPOINTS
   =========================================================================== */
@media (max-width: 619px) {
  .util-note { display: none; }
  .util-bar .shell { justify-content: center; gap: 1.1rem; font-size: .76rem; }
}

@media (min-width: 620px) {
  .field-row { grid-template-columns: 1fr 1fr; gap: 0 1rem; }
  .pill-grid-3 { grid-template-columns: repeat(3, 1fr); }
  .uses { grid-template-columns: repeat(4, 1fr); }
  .amount-rail { grid-template-columns: repeat(4, 1fr); }
  .voice-grid { grid-template-columns: repeat(2, 1fr); }
  .notecard { padding: 2.4rem 2.2rem; }
  .counts { grid-template-columns: repeat(2, 1fr); gap: 2rem; }
  .howto { grid-template-columns: repeat(3, 1fr); }
  .form-card { padding: 2.4rem 2.2rem; }
  .tbl-wrap table { min-width: 0; }
}

@media (min-width: 980px) {
  body { font-size: 17.5px; }
  .site-nav { display: block; }
  .header-cta { display: inline-flex; }
  .nav-toggle, .mobile-nav { display: none; }

  .band { padding: 4.8rem 0; }
  .hero-d { padding: 4rem 0 0; }
  .hero-d-grid { grid-template-columns: 1.05fr 1fr; gap: 3.6rem; }
  .calc-grid { grid-template-columns: 400px 1fr; }
  .counts { grid-template-columns: repeat(4, 1fr); }
  .voice-grid { grid-template-columns: repeat(3, 1fr); }
  .split { grid-template-columns: 1fr 1fr; gap: 3.4rem; }
  .split-flip .figure { order: -1; }
  .steps { grid-template-columns: repeat(3, 1fr); gap: 2.2rem; }
  .note-wrap { grid-template-columns: 1fr 300px; gap: 3rem; align-items: start; }
  .footer-top { grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 2.6rem; }
  .faq { max-width: 52rem; }
  .calc-out, .calc-in { padding: 2.6rem 2.2rem; }
}

/* --- reduced motion ------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
  .btn:hover, .use-tile:hover, .amount-stop:hover { transform: none !important; }
}

/* --- print ---------------------------------------------------------------- */
@media print {
  .site-header, .util-bar, .site-footer, .form-card, .cta-band { display: none; }
  body { color: #000; background: #fff; }
}