/* ========================================
   INDIGO CARD USA — Premium Fintech v4
   Lime + Cream + Forest · Bento · Animated
   ======================================== */

:root {
  /* Palette */
  --lime: #C7F26B;
  --lime-bright: #D4FA7A;
  --lime-dark: #A5D142;
  --lime-soft: #E8F7CC;

  --mint-50: #F3F9E4;
  --mint-100: #E8F5CC;
  --mint-200: #D4EDA0;

  --forest-900: #0A1F14;
  --forest-800: #0F2E1C;
  --forest-700: #1A4A2E;
  --forest-600: #2D6A42;

  --cream: #F6F4EB;
  --cream-100: #FBF9F2;
  --cream-200: #ECE8DB;

  --ink-900: #0A0A0A;
  --ink-800: #1A1A1A;
  --ink-700: #2D2D2D;
  --ink-600: #4A4A4A;
  --ink-500: #6B6B6B;
  --ink-400: #94948B;
  --ink-300: #CBCBC2;
  --ink-200: #E5E5DD;
  --ink-100: #F0F0E8;

  --white: #FFFFFF;
  --black: #0A0A0A;

  --success: #4A9F2E;

  /* Typography */
  --font-display: 'Inter Tight', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-italic: 'Instrument Serif', Georgia, serif;
  --font-mono: 'JetBrains Mono', ui-monospace, monospace;

  --sp-1: 0.25rem; --sp-2: 0.5rem; --sp-3: 0.75rem; --sp-4: 1rem;
  --sp-5: 1.25rem; --sp-6: 1.5rem; --sp-8: 2rem; --sp-10: 2.5rem;
  --sp-12: 3rem; --sp-16: 4rem; --sp-20: 5rem; --sp-24: 6rem; --sp-32: 8rem;

  --radius-sm: 10px; --radius-md: 16px; --radius-lg: 22px;
  --radius-xl: 32px; --radius-2xl: 40px; --radius-full: 9999px;

  --shadow-sm: 0 1px 3px rgba(10,31,20,.05);
  --shadow-md: 0 6px 20px rgba(10,31,20,.08);
  --shadow-lg: 0 16px 40px rgba(10,31,20,.10);
  --shadow-xl: 0 28px 70px rgba(10,31,20,.14);
  --shadow-lime: 0 20px 50px rgba(199,242,107,.4);

  --max-w: 1240px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 16px; line-height: 1.65;
  color: var(--ink-700);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: 0; background: none; }

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700; color: var(--ink-900);
  line-height: 1.05; letter-spacing: -0.035em;
}
h1 { font-size: clamp(2.75rem, 6vw, 4.75rem); font-weight: 800; }
h2 { font-size: clamp(2.25rem, 4.5vw, 3.5rem); margin-bottom: var(--sp-5); font-weight: 800; }
h3 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin-bottom: var(--sp-3); font-weight: 700; }
h4 { font-size: 1.15rem; font-weight: 700; color: var(--ink-900); }
h5 { font-weight: 700; color: var(--ink-900); }
p { color: var(--ink-600); }

em.italic, h1 em, h2 em, h3 em {
  font-family: var(--font-italic);
  font-style: italic; font-weight: 400;
  color: var(--forest-700);
  letter-spacing: -0.01em;
}

.eyebrow {
  display: inline-flex; align-items: center; gap: var(--sp-2);
  font-family: var(--font-body);
  font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--forest-900);
  background: var(--lime);
  padding: 8px 18px;
  border-radius: var(--radius-full);
  margin-bottom: var(--sp-5);
}
.eyebrow.dark { background: var(--forest-900); color: var(--lime); }
.eyebrow.outline { background: transparent; color: var(--forest-800); border: 1.5px solid var(--forest-800); }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--sp-6); }
section { padding: var(--sp-24) 0; position: relative; }
section.compact { padding: var(--sp-12) 0; }
section.spacious { padding: var(--sp-32) 0; }

/* DECORATIVE ELEMENTS */
.deco-dots {
  position: absolute;
  background-image: radial-gradient(circle, var(--forest-700) 1.5px, transparent 1.5px);
  background-size: 14px 14px;
  opacity: .12;
  pointer-events: none;
}
.deco-dots.lime { background-image: radial-gradient(circle, var(--lime) 2px, transparent 2px); opacity: .5; }
.deco-circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.deco-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: .4;
  pointer-events: none;
}

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: var(--sp-2);
  padding: 16px 32px;
  font-weight: 600; font-size: 0.95rem;
  border-radius: var(--radius-full);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  cursor: pointer; white-space: nowrap;
  font-family: var(--font-body);
  position: relative;
}
.btn-primary {
  background: var(--lime);
  color: var(--forest-900);
  box-shadow: 0 8px 20px rgba(199,242,107,.5);
}
.btn-primary:hover {
  background: var(--lime-bright);
  transform: translateY(-3px);
  box-shadow: 0 14px 32px rgba(199,242,107,.65);
}
.btn-dark {
  background: var(--forest-900);
  color: var(--lime);
}
.btn-dark:hover { background: var(--black); transform: translateY(-3px); box-shadow: 0 14px 32px rgba(10,31,20,.3); }
.btn-ghost {
  background: transparent;
  color: var(--ink-900);
  padding: 10px 20px 10px 10px;
  display: inline-flex; align-items: center; gap: 12px;
  font-weight: 600;
}
.btn-ghost .play-btn {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--ink-200);
  display: grid; place-items: center;
  transition: all .25s;
}
.btn-ghost .play-btn svg { width: 14px; height: 14px; fill: var(--ink-900); margin-left: 2px; }
.btn-ghost:hover .play-btn { background: var(--lime); border-color: var(--lime); transform: scale(1.1); }
.btn-outline {
  background: transparent;
  color: var(--ink-900);
  border: 1.5px solid var(--ink-300);
}
.btn-outline:hover { border-color: var(--forest-800); background: var(--mint-50); }
.btn-sm { padding: 11px 22px; font-size: .875rem; }
.btn-lg { padding: 19px 38px; font-size: 1rem; }

/* HEADER */
.site-header {
  position: sticky; top: 0; z-index: 10000;
  background: rgba(246,244,235,.9);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(10,10,10,.05);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; padding: var(--sp-5) 0; }
.logo { display: flex; align-items: center; gap: 10px; }
.logo-mark {
  width: 42px; height: 42px;
  background: var(--forest-900);
  border-radius: 11px;
  display: grid; place-items: center;
  color: var(--lime);
  font-family: var(--font-display);
  font-size: 1.2rem; font-weight: 800;
}
.logo-text {
  font-family: var(--font-display);
  font-size: 1.3rem; color: var(--ink-900);
  font-weight: 800; letter-spacing: -0.035em;
}
.logo-text span { color: var(--forest-700); font-weight: 500; font-style: italic; font-family: var(--font-italic); }

.nav-menu { display: flex; align-items: center; gap: var(--sp-7, 1.75rem); }
.nav-menu a { font-size: .92rem; font-weight: 500; color: var(--ink-700); transition: color .2s; }
.nav-menu a:hover { color: var(--forest-700); }
.nav-menu .btn { padding: 11px 24px; }

.menu-toggle { display: none; width: 44px; height: 44px; }
.menu-toggle svg { width: 28px; height: 28px; stroke: var(--ink-900); }

@media (max-width: 900px) {
  .nav-menu { position: fixed; top: 76px; right: 0; left: 0; background: var(--cream); flex-direction: column; align-items: stretch; padding: var(--sp-6); gap: var(--sp-4); border-bottom: 1px solid var(--ink-100); transform: translateY(-120%); transition: transform .3s; }
  .nav-menu.active { transform: translateY(0); }
  .nav-menu a { padding: var(--sp-3); border-radius: 10px; }
  .menu-toggle { display: grid; place-items: center; }
}

/* ========================================
   HERO — MAJOR POLISH
   ======================================== */
.hero {
  background: var(--cream);
  padding: var(--sp-20) 0 var(--sp-32);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -180px; right: -180px;
  width: 700px; height: 700px;
  background: radial-gradient(circle at center, var(--lime) 0%, transparent 60%);
  opacity: .22;
  z-index: 0;
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle at center, var(--mint-100) 0%, transparent 60%);
  opacity: .5;
  z-index: 0;
}
.hero-grid {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1.05fr 1fr;
  gap: var(--sp-16); align-items: center;
}
.hero h1 {
  font-size: clamp(2.75rem, 6vw, 5rem);
  line-height: 1.02;
  margin-bottom: var(--sp-6);
  color: var(--ink-900);
  font-weight: 800;
  letter-spacing: -0.04em;
}
.hero h1 em {
  font-family: var(--font-italic);
  font-style: italic; font-weight: 400;
  color: var(--forest-700);
  letter-spacing: -0.01em;
}
.hero-sub {
  font-size: 1.125rem;
  color: var(--ink-600);
  margin-bottom: var(--sp-8);
  max-width: 520px;
  line-height: 1.65;
}
.hero-ctas { display: flex; gap: var(--sp-4); flex-wrap: wrap; margin-bottom: var(--sp-8); align-items: center; }

.hero-chips { display: flex; flex-wrap: wrap; gap: var(--sp-2); max-width: 560px; }
.hero-chip-pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px;
  background: var(--white);
  border: 1px solid var(--ink-200);
  border-radius: var(--radius-full);
  font-size: .85rem; font-weight: 500;
  color: var(--ink-700);
  transition: all .25s;
  box-shadow: 0 2px 8px rgba(10,31,20,.03);
}
.hero-chip-pill:hover {
  border-color: var(--forest-700);
  background: var(--mint-50);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(10,31,20,.08);
}
.hero-chip-pill svg { width: 15px; height: 15px; stroke: var(--forest-700); }

/* Hero visual — polished */
.hero-visual {
  position: relative;
  height: 580px;
  display: grid; place-items: center;
}
.hero-visual::before {
  content: '';
  position: absolute;
  width: 520px; height: 520px;
  border-radius: 50%;
  border: 1.5px dashed rgba(45,106,66,.25);
  z-index: 0;
  animation: slow-spin 60s linear infinite;
}
.hero-visual::after {
  content: '';
  position: absolute;
  width: 440px; height: 440px;
  border-radius: 50%;
  background: radial-gradient(circle, var(--mint-100) 0%, transparent 70%);
  z-index: 0;
}
@keyframes slow-spin { to { transform: rotate(360deg); } }

/* Floating lime dots trail */
.hero-dot {
  position: absolute;
  background: var(--lime);
  border-radius: 50%;
  z-index: 3;
  animation: float 4s ease-in-out infinite;
}
.hero-dot.d1 { width: 10px; height: 10px; top: 60px; right: 80px; animation-delay: 0s; }
.hero-dot.d2 { width: 6px; height: 6px; top: 100px; right: 60px; animation-delay: .5s; }
.hero-dot.d3 { width: 14px; height: 14px; bottom: 120px; left: 40px; animation-delay: 1s; background: var(--forest-700); }
.hero-dot.d4 { width: 8px; height: 8px; bottom: 60px; left: 80px; animation-delay: 1.5s; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

.card-stack { position: relative; width: 400px; height: 440px; z-index: 2; }
.credit-card {
  position: absolute;
  width: 340px; height: 215px;
  border-radius: 22px;
  padding: 22px;
  display: flex; flex-direction: column; justify-content: space-between;
  box-shadow: 0 25px 60px rgba(10,31,20,.25), 0 10px 20px rgba(10,31,20,.1);
  color: var(--white);
  font-family: var(--font-body);
  transition: transform .4s ease;
}
.credit-card:hover { transform: translateY(-6px) rotate(0deg) !important; }
.card-1 {
  top: 20px; left: 10px;
  background: linear-gradient(135deg, #0F2E1C 0%, #1A4A2E 60%, #2D6A42 100%);
  transform: rotate(-7deg);
  z-index: 1;
}
.card-2 {
  top: 190px; left: 50px;
  background: linear-gradient(135deg, var(--lime-bright) 0%, var(--lime) 50%, var(--lime-dark) 100%);
  transform: rotate(4deg);
  z-index: 2;
  color: var(--forest-900);
}
.card-chip {
  width: 42px; height: 30px;
  background: linear-gradient(135deg, #FCD34D, #D97706);
  border-radius: 5px;
  position: relative;
}
.card-chip::before, .card-chip::after {
  content: ''; position: absolute;
  background: rgba(0,0,0,.2);
}
.card-chip::before { top: 50%; left: 10%; right: 10%; height: 1px; }
.card-chip::after { top: 10%; bottom: 10%; left: 50%; width: 1px; }
.card-brand {
  font-family: var(--font-display);
  font-size: 1.05rem; font-weight: 700;
  letter-spacing: -0.02em;
}
.card-brand small { display: block; font-size: .62rem; opacity: .7; letter-spacing: .1em; font-weight: 500; margin-top: 2px; }
.card-number { font-family: var(--font-mono); font-size: .98rem; letter-spacing: 2px; font-weight: 500; }
.card-footer { display: flex; justify-content: space-between; align-items: flex-end; font-size: .68rem; }
.card-mc { display: flex; }
.card-mc span { width: 24px; height: 24px; border-radius: 50%; display: block; }
.card-mc span:first-child { background: #EB001B; }
.card-mc span:last-child { background: #F79E1B; margin-left: -8px; opacity: .85; }

/* Stats widget */
.stats-widget {
  position: absolute;
  top: -10px; left: -40px;
  background: var(--white);
  border-radius: 16px;
  padding: 16px 20px;
  box-shadow: 0 20px 40px rgba(10,31,20,.2), 0 4px 10px rgba(10,31,20,.08);
  display: flex; align-items: center; gap: 16px;
  z-index: 10;
  min-width: 240px;
  border: 1px solid rgba(255,255,255,.6);
}
.stats-widget-info div:first-child { font-size: .72rem; color: var(--ink-500); font-weight: 500; margin-bottom: 2px; }
.stats-widget-info div:last-child { font-size: 1rem; font-weight: 700; color: var(--ink-900); display: flex; align-items: baseline; gap: 4px; }
.stats-widget-info strong { color: var(--success); font-size: .85rem; font-weight: 700; }
.stats-widget-bars { display: flex; gap: 3px; align-items: flex-end; height: 36px; }
.stats-widget-bars span { display: block; width: 5px; background: var(--forest-700); border-radius: 2px; }
.stats-widget-bars span:nth-child(1){ height: 40%; }
.stats-widget-bars span:nth-child(2){ height: 70%; }
.stats-widget-bars span:nth-child(3){ height: 55%; }
.stats-widget-bars span:nth-child(4){ height: 90%; background: var(--lime); }
.stats-widget-bars span:nth-child(5){ height: 65%; }
.stats-widget-bars span:nth-child(6){ height: 88%; background: var(--lime); }

.approve-badge {
  position: absolute;
  bottom: 30px; right: -30px;
  background: var(--forest-900);
  color: var(--lime);
  padding: 14px 20px;
  border-radius: var(--radius-full);
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .85rem; font-weight: 600;
  box-shadow: 0 18px 36px rgba(10,31,20,.3);
  z-index: 11;
}
.approve-badge svg { width: 18px; height: 18px; stroke: var(--lime); }

/* Rate badge (small) */
.rate-badge {
  position: absolute;
  top: 180px; right: -20px;
  background: var(--white);
  color: var(--forest-900);
  padding: 10px 14px;
  border-radius: 12px;
  box-shadow: 0 10px 25px rgba(10,31,20,.15);
  z-index: 10;
  font-size: .75rem;
}
.rate-badge strong { display: block; font-size: 1.1rem; color: var(--forest-800); font-weight: 800; font-family: var(--font-display); }

@media (max-width: 900px) {
  .hero { padding: var(--sp-10) 0 var(--sp-16); }
  .hero-grid { grid-template-columns: 1fr; gap: var(--sp-10); }
  .hero-visual { height: 440px; max-width: 380px; margin: 0 auto; }
  .stats-widget { left: 0; }
  .approve-badge { right: 10px; }
  .rate-badge { right: 0; }
}

/* ========================================
   TRUST BAR — Marquee style
   ======================================== */
.trust-bar {
  background: var(--cream);
  padding: var(--sp-6) 0 var(--sp-16);
  position: relative;
}
.trust-head { text-align: center; font-size: .85rem; color: var(--ink-500); margin-bottom: var(--sp-6); font-weight: 500; }
.trust-logos {
  display: flex; justify-content: center; align-items: center; flex-wrap: wrap;
  gap: var(--sp-12);
}
.trust-logos span {
  font-family: var(--font-display);
  font-weight: 800;
  color: var(--ink-800);
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  opacity: .4;
  transition: opacity .25s;
}
.trust-logos span:hover { opacity: .9; }
.trust-logos span.italic { font-family: var(--font-italic); font-style: italic; font-weight: 400; font-size: 1.5rem; }

/* ========================================
   SECTION HEADERS
   ======================================== */
.sec-head { text-align: center; max-width: 820px; margin: 0 auto var(--sp-16); }
.sec-head.left { text-align: left; margin: 0 0 var(--sp-12); max-width: 820px; }
.sec-head p { font-size: 1.1rem; margin-top: var(--sp-4); color: var(--ink-600); }
.big-headline {
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
  font-weight: 800;
  line-height: 1.05;
  color: var(--ink-900);
  margin-bottom: var(--sp-6);
  letter-spacing: -0.04em;
}
.big-headline em { font-family: var(--font-italic); font-style: italic; font-weight: 400; color: var(--forest-700); }

/* ========================================
   PRODUCTS BENTO GRID — 2x4 Equal
   ======================================== */
.products-bento {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--sp-5);
}
.product-card {
  background: var(--mint-50);
  border-radius: var(--radius-xl);
  padding: var(--sp-5);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  position: relative;
  overflow: hidden;
  display: flex; flex-direction: column;
  border: 1px solid rgba(10,31,20,.03);
}
.product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-xl); }
.product-card.dark { background: var(--forest-800); color: var(--white); border-color: var(--forest-800); }
.product-card.dark h3 { color: var(--white); }
.product-card.dark p { color: rgba(255,255,255,.72); }
.product-card.lime { background: var(--lime); border-color: var(--lime); }
.product-card.lime h3 { color: var(--forest-900); }
.product-card.lime p { color: var(--forest-800); }

.product-img {
  width: 100%; height: 180px;
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: var(--sp-5);
  position: relative;
  background: var(--mint-100);
}
.product-card.dark .product-img { background: var(--forest-700); border: 1px solid rgba(255,255,255,.06); }
.product-card.lime .product-img { background: var(--lime-dark); }
.product-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .6s cubic-bezier(.4,0,.2,1);
}
.product-card:hover .product-img img { transform: scale(1.08); }

/* Dark card image overlay for better text contrast */
.product-card.dark .product-img::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(15,46,28,.4) 100%);
  pointer-events: none;
}

/* Small stat badge above title */
.product-stat-small {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: .72rem;
  font-weight: 700;
  color: var(--forest-700);
  background: var(--mint-50);
  padding: 5px 11px;
  border-radius: var(--radius-full);
  margin-bottom: var(--sp-3);
  letter-spacing: .02em;
  border: 1px solid rgba(45,106,66,.15);
}
.product-card.dark .product-stat-small {
  background: rgba(199,242,107,.15);
  color: var(--lime);
  border-color: rgba(199,242,107,.3);
}
.product-card.lime .product-stat-small {
  background: var(--forest-900);
  color: var(--lime);
  border-color: var(--forest-900);
}

.product-card h3 {
  font-size: 1.1rem;
  margin-bottom: 8px;
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}
.product-card p {
  font-size: .88rem;
  flex: 1;
  line-height: 1.55;
}
.product-link {
  font-size: .85rem; font-weight: 600;
  color: var(--forest-700);
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: var(--sp-4);
  transition: gap .25s;
}
.product-card.dark .product-link { color: var(--lime); }
.product-card.lime .product-link { color: var(--forest-900); }
.product-link:hover { gap: 12px; }

@media (max-width: 1100px) {
  .products-bento { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 800px) {
  .products-bento { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 500px) {
  .products-bento { grid-template-columns: 1fr; }
}

/* ========================================
   PRODUCT DEEP-DIVE
   ======================================== */
.pd-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-16); align-items: center; margin-bottom: var(--sp-20); }
.pd-row:last-child { margin-bottom: 0; }
.pd-row.reverse .pd-content { order: 2; }
.pd-row.reverse .pd-visual { order: 1; }
.pd-content h3 { font-size: 2rem; margin-bottom: var(--sp-4); font-weight: 700; letter-spacing: -0.03em; }
.pd-content p { font-size: 1.05rem; margin-bottom: var(--sp-6); line-height: 1.7; }
.pd-specs { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-3); margin: var(--sp-5) 0 var(--sp-6); }
.pd-spec {
  background: var(--mint-50);
  padding: var(--sp-4) var(--sp-5);
  border-radius: var(--radius-md);
  font-size: .9rem;
  border: 1px solid rgba(45,106,66,.08);
}
.pd-spec span { display: block; color: var(--ink-500); font-size: .72rem; margin-bottom: 4px; letter-spacing: .05em; text-transform: uppercase; font-weight: 600; }
.pd-spec strong { color: var(--ink-900); font-size: 1.05rem; font-weight: 700; }
.pd-visual {
  background: var(--mint-100);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  min-height: 480px;
  position: relative;
  box-shadow: var(--shadow-md);
}
.pd-visual.dark { background: var(--forest-800); }
.pd-visual.lime { background: var(--lime); }
.pd-visual img {
  width: 100%; height: 100%; min-height: 480px;
  object-fit: cover; display: block;
  transition: transform .6s;
}
.pd-visual:hover img { transform: scale(1.04); }

/* Floating badge on image */
.pd-visual-badge {
  position: absolute;
  top: 24px; left: 24px;
  background: var(--white);
  color: var(--forest-900);
  padding: 8px 16px;
  border-radius: var(--radius-full);
  font-size: .78rem;
  font-weight: 600;
  box-shadow: var(--shadow-md);
  z-index: 2;
}

.warning-box {
  background: var(--mint-50);
  border-left: 4px solid var(--lime);
  padding: var(--sp-4) var(--sp-5);
  border-radius: var(--radius-md);
  margin-top: var(--sp-5);
  font-size: .9rem;
  color: var(--forest-800);
}
@media (max-width: 900px) {
  .pd-row { grid-template-columns: 1fr; gap: var(--sp-8); margin-bottom: var(--sp-12); }
  .pd-row.reverse .pd-content { order: 1; }
  .pd-row.reverse .pd-visual { order: 2; }
  .pd-visual { min-height: 320px; }
  .pd-visual img { min-height: 320px; }
}

/* ========================================
   AMOUNT TIERS
   ======================================== */
.amount-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-4); }
.amount-card {
  text-align: left;
  padding: var(--sp-6);
  background: var(--white);
  border-radius: var(--radius-xl);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  border: 1px solid var(--ink-100);
  position: relative;
  overflow: hidden;
}
.amount-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--lime); }
.amount-card.featured {
  background: var(--forest-900);
  color: var(--white);
  border-color: var(--forest-900);
  transform: scale(1.03);
}
.amount-card.featured::before {
  content: '★';
  position: absolute; top: 16px; right: 20px;
  color: var(--lime); font-size: 1.5rem;
}
.amount-card.featured h4 { color: var(--white); }
.amount-card.featured p { color: rgba(255,255,255,.75); }
.amount-value { font-family: var(--font-display); font-size: 1.9rem; color: var(--forest-800); margin-bottom: var(--sp-2); font-weight: 800; letter-spacing: -0.03em; }
.amount-card.featured .amount-value { color: var(--lime); }
.amount-card h4 { font-size: 1.05rem; margin-bottom: var(--sp-2); font-weight: 700; }
.amount-card p { font-size: .88rem; color: var(--ink-500); }
@media (max-width: 700px) { .amount-grid { grid-template-columns: repeat(2, 1fr); } .amount-card.featured { transform: none; } }

/* ========================================
   CALCULATOR — Premium dark
   ======================================== */
.calc-wrap {
  background: var(--forest-900);
  border-radius: var(--radius-2xl);
  padding: var(--sp-12);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.calc-wrap::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(199,242,107,.15), transparent 70%);
  border-radius: 50%;
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-12); position: relative; z-index: 2; }
.calc-head h3 { color: var(--white); margin-bottom: var(--sp-2); font-weight: 700; }
.calc-head p { color: rgba(255,255,255,.75); margin-bottom: var(--sp-8); }
.calc-slider { margin-bottom: var(--sp-6); }
.calc-slider label { display: flex; justify-content: space-between; font-size: .9rem; margin-bottom: 12px; color: rgba(255,255,255,.85); font-weight: 500; }
.calc-slider label strong { color: var(--lime); font-family: var(--font-mono); font-size: 1.1rem; font-weight: 700; }
.calc-slider input[type=range] {
  width: 100%; height: 8px;
  -webkit-appearance: none; appearance: none;
  background: rgba(255,255,255,.1);
  border-radius: 4px; outline: none;
}
.calc-slider input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 26px; height: 26px;
  background: var(--lime);
  border-radius: 50%; cursor: pointer;
  box-shadow: 0 4px 12px rgba(199,242,107,.6);
  border: 3px solid var(--white);
}
.calc-slider input[type=range]::-moz-range-thumb {
  width: 26px; height: 26px;
  background: var(--lime);
  border-radius: 50%; cursor: pointer;
  border: 3px solid var(--white);
}
.calc-output {
  background: rgba(255,255,255,.05);
  border-radius: var(--radius-lg);
  padding: var(--sp-6);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.08);
}
.calc-output-row { display: flex; justify-content: space-between; align-items: center; padding: var(--sp-4) 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.calc-output-row:last-child { border-bottom: 0; }
.calc-output-row span { font-size: .95rem; color: rgba(255,255,255,.75); }
.calc-output-row strong { font-family: var(--font-mono); font-size: 1.2rem; color: var(--white); font-weight: 700; }
.calc-output-row.total strong { color: var(--lime); font-size: 1.75rem; }
.calc-warn {
  background: rgba(199,242,107,.1);
  border: 1px solid rgba(199,242,107,.3);
  color: var(--lime);
  font-size: .88rem;
  padding: var(--sp-3) var(--sp-4);
  border-radius: var(--radius-md);
  margin-top: var(--sp-4);
  display: none;
}
.calc-warn.show { display: block; }
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } .calc-wrap { padding: var(--sp-6); } }

/* ========================================
   STEPS BAND
   ======================================== */
.steps-band {
  background: var(--lime);
  padding: var(--sp-24) 0;
  position: relative;
  overflow: hidden;
}
.steps-band::before {
  content: 'USA';
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 24rem;
  color: rgba(10,31,20,.05);
  letter-spacing: -0.05em;
  z-index: 0;
  line-height: 1;
}
.steps-grid-wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-12); align-items: center; }

.balance-card {
  background: var(--forest-900);
  color: var(--white);
  border-radius: var(--radius-2xl);
  padding: var(--sp-8);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 60px rgba(10,31,20,.25);
}
.balance-card::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 180px; height: 180px;
  background: radial-gradient(circle, rgba(199,242,107,.15), transparent);
  border-radius: 50%;
}
.bc-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--sp-6); position: relative; z-index: 1; }
.bc-flag {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.08);
  padding: 10px 16px;
  border-radius: var(--radius-full);
  font-size: .85rem; font-weight: 600;
}
.bc-flag::before { content: '🇺🇸'; font-size: 1rem; }
.bc-eye { width: 38px; height: 38px; background: rgba(255,255,255,.08); border-radius: 50%; display: grid; place-items: center; }
.bc-eye svg { width: 18px; height: 18px; stroke: rgba(255,255,255,.6); }
.bc-label { font-size: .85rem; color: rgba(255,255,255,.6); margin-bottom: 10px; font-weight: 500; position: relative; z-index: 1; }
.bc-amount { font-family: var(--font-display); font-size: 3rem; font-weight: 800; color: var(--white); margin-bottom: var(--sp-6); letter-spacing: -0.03em; position: relative; z-index: 1; }
.bc-amount small { color: var(--lime); font-size: 1rem; font-weight: 500; margin-left: 6px; }
.bc-actions { display: flex; gap: var(--sp-3); position: relative; z-index: 1; }
.bc-action-btn {
  flex: 1;
  background: rgba(255,255,255,.08);
  color: var(--white);
  padding: 13px;
  border-radius: var(--radius-full);
  font-size: .82rem; font-weight: 600;
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  border: 1px solid rgba(255,255,255,.08);
  transition: all .2s;
}
.bc-action-btn:hover { background: rgba(255,255,255,.14); }
.bc-action-btn svg { width: 14px; height: 14px; stroke: rgba(255,255,255,.7); }
.bc-action-btn.plus {
  flex: 0 0 50px;
  background: var(--lime);
  color: var(--forest-900);
  border-color: var(--lime);
  font-size: 1.5rem; font-weight: 700;
  padding: 0;
}
.bc-action-btn.plus:hover { background: var(--lime-bright); }

.steps-side h2 { color: var(--forest-900); margin-bottom: var(--sp-8); font-weight: 800; }
.steps-side h2 em { font-family: var(--font-italic); font-style: italic; font-weight: 400; }
.step-item {
  display: flex; gap: var(--sp-4);
  margin-bottom: var(--sp-6);
  align-items: flex-start;
  padding: var(--sp-4);
  background: rgba(10,31,20,.03);
  border-radius: var(--radius-lg);
  transition: all .25s;
}
.step-item:hover { background: rgba(10,31,20,.07); transform: translateX(6px); }
.step-icon-circle {
  width: 52px; height: 52px;
  background: var(--forest-900);
  border-radius: 50%;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.step-icon-circle svg { width: 22px; height: 22px; stroke: var(--lime); }
.step-item-body h3 { font-size: 1.15rem; color: var(--forest-900); margin-bottom: 4px; font-weight: 700; }
.step-item-body p { font-size: .95rem; color: var(--forest-800); line-height: 1.5; }
@media (max-width: 900px) { .steps-grid-wrap { grid-template-columns: 1fr; } .steps-band::before { font-size: 10rem; } }

/* ========================================
   RATES TABLE
   ======================================== */
.rates-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md); }
.rates-table th, .rates-table td { padding: var(--sp-5) var(--sp-6); text-align: left; }
.rates-table thead { background: var(--forest-900); color: var(--white); }
.rates-table th { font-weight: 700; font-size: .9rem; }
.rates-table tbody tr { border-bottom: 1px solid var(--ink-100); transition: background .2s; }
.rates-table tbody tr:hover { background: var(--mint-50); }
.rates-table tbody tr:last-child { border-bottom: 0; }
.rates-table tbody tr:nth-child(even) { background: var(--cream-100); }
.rates-table td:last-child { text-align: right; font-weight: 700; color: var(--forest-800); font-family: var(--font-mono); }
.rates-note { text-align: center; font-size: .82rem; color: var(--ink-500); margin-top: var(--sp-5); font-style: italic; }

/* ========================================
   REQUIREMENTS
   ======================================== */
.req-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-4); max-width: 900px; margin: 0 auto; }
.req-item {
  display: flex; align-items: start; gap: var(--sp-4);
  padding: var(--sp-5) var(--sp-6);
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--ink-100);
  transition: all .25s;
}
.req-item:hover { border-color: var(--lime); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.req-item .check-circle {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--lime); display: grid; place-items: center;
  flex-shrink: 0;
}
.req-item .check-circle svg { width: 18px; height: 18px; stroke: var(--forest-900); stroke-width: 3; fill: none; }
.req-item div strong { display: block; color: var(--ink-900); margin-bottom: 3px; font-weight: 700; font-size: 1rem; }
.req-item div span { font-size: .88rem; color: var(--ink-500); }
@media (max-width: 700px) { .req-list { grid-template-columns: 1fr; } }

/* ========================================
   PERSONA
   ======================================== */
.persona-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.persona-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--sp-6);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  border: 1px solid var(--ink-100);
  position: relative;
  overflow: hidden;
}
.persona-card::before {
  content: '';
  position: absolute; top: 0; right: 0;
  width: 100px; height: 100px;
  background: radial-gradient(circle, var(--lime), transparent 70%);
  opacity: 0;
  transition: opacity .3s;
  border-radius: 50%;
  transform: translate(30%, -30%);
}
.persona-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--lime); }
.persona-card:hover::before { opacity: .5; }
.persona-emoji {
  width: 60px; height: 60px;
  background: var(--mint-50);
  border-radius: 16px;
  display: grid; place-items: center;
  font-size: 1.9rem;
  margin-bottom: var(--sp-4);
  position: relative; z-index: 1;
}
.persona-card h4 { color: var(--ink-900); margin-bottom: var(--sp-2); font-weight: 700; position: relative; z-index: 1; }
.persona-card p { font-size: .92rem; position: relative; z-index: 1; }
@media (max-width: 900px) { .persona-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .persona-grid { grid-template-columns: 1fr; } }

/* ========================================
   USE CASES
   ======================================== */
.use-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-4); }
.use-card {
  background: var(--white);
  padding: var(--sp-6) var(--sp-5);
  border-radius: var(--radius-lg);
  border: 1px solid var(--ink-100);
  text-align: center;
  transition: all .25s;
}
.use-card:hover { background: var(--mint-50); border-color: var(--lime); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.use-icon {
  width: 56px; height: 56px;
  background: var(--lime);
  border-radius: 15px;
  display: grid; place-items: center;
  margin: 0 auto var(--sp-4);
  transition: transform .25s;
}
.use-card:hover .use-icon { transform: rotate(-5deg) scale(1.05); }
.use-icon svg { width: 26px; height: 26px; stroke: var(--forest-900); stroke-width: 2.2; fill: none; }
.use-card h5 { color: var(--ink-900); font-size: 1rem; margin-bottom: 4px; font-weight: 700; }
.use-card p { font-size: .82rem; color: var(--ink-500); }
@media (max-width: 900px) { .use-grid { grid-template-columns: repeat(2, 1fr); } }

/* ========================================
   STATES GRID
   ======================================== */
.states-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(145px, 1fr)); gap: var(--sp-2); }
.state-chip {
  background: var(--white);
  border: 1px solid var(--ink-200);
  padding: var(--sp-3) var(--sp-4);
  border-radius: var(--radius-md);
  font-size: .88rem;
  text-align: center;
  color: var(--ink-700);
  transition: all .2s;
  font-weight: 500;
}
.state-chip:hover {
  background: var(--lime);
  border-color: var(--lime);
  color: var(--forest-900);
  font-weight: 600;
  transform: translateY(-2px);
}

/* ========================================
   PROS & CONS — SCORECARD (v11)
   ======================================== */
.scorecard { display: flex; flex-direction: column; gap: var(--sp-6); }

.sc-verdict {
  background: var(--forest-900);
  color: var(--white);
  border-radius: var(--radius-2xl);
  padding: var(--sp-8) var(--sp-10);
  display: grid;
  grid-template-columns: auto 1.3fr 1fr;
  gap: var(--sp-8);
  align-items: center;
  position: relative;
  overflow: hidden;
}
.sc-verdict::before {
  content: ''; position: absolute; top: -90px; right: -90px;
  width: 260px; height: 260px; border-radius: 50%;
  background: radial-gradient(circle, rgba(199,242,107,.16), transparent 70%);
}
.sc-score {
  text-align: center;
  padding-right: var(--sp-8);
  border-right: 1px solid rgba(255,255,255,.1);
  position: relative; z-index: 1;
}
.sc-num {
  font-family: var(--font-display);
  font-size: 4.2rem; font-weight: 800;
  color: var(--lime); line-height: 1; letter-spacing: -0.04em;
}
.sc-num span { font-size: 1.2rem; color: rgba(255,255,255,.55); font-weight: 600; margin-left: 2px; }
.sc-stars { color: var(--lime); font-size: 1.15rem; letter-spacing: 3px; margin: 10px 0 6px; }
.sc-stars span { opacity: .35; }
.sc-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.6); font-weight: 700; }

.sc-summary { position: relative; z-index: 1; }
.sc-tag {
  display: inline-block; background: rgba(199,242,107,.15); color: var(--lime);
  border: 1px solid rgba(199,242,107,.3);
  padding: 4px 12px; border-radius: var(--radius-full);
  font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  margin-bottom: 12px;
}
.sc-summary h3 { color: var(--white); font-size: 1.4rem; line-height: 1.3; margin-bottom: 10px; letter-spacing: -0.02em; }
.sc-summary p { color: rgba(255,255,255,.72); font-size: .92rem; line-height: 1.6; margin-bottom: 14px; }
.sc-reviewer { font-size: .78rem; color: rgba(255,255,255,.5); font-weight: 500; }

.sc-subs { display: flex; flex-direction: column; gap: 14px; position: relative; z-index: 1; }
.sc-sub-top { display: flex; justify-content: space-between; font-size: .85rem; margin-bottom: 6px; }
.sc-sub-top span { color: rgba(255,255,255,.75); }
.sc-sub-top strong { color: var(--lime); font-family: var(--font-mono); }
.sc-track { height: 7px; background: rgba(255,255,255,.1); border-radius: 999px; overflow: hidden; }
.sc-fill { height: 100%; background: var(--lime); border-radius: 999px; }

.sc-cols { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-6); }
.sc-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--ink-100);
  padding: var(--sp-6) var(--sp-8) var(--sp-4);
  position: relative; overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease;
}
.sc-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 6px; }
.sc-card.pros::before { background: var(--lime); }
.sc-card.cons::before { background: #E8794F; }
.sc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.sc-card-head {
  display: flex; align-items: center; gap: 14px;
  padding: var(--sp-2) 0 var(--sp-4);
  border-bottom: 1px solid var(--ink-100);
  margin-bottom: var(--sp-2);
}
.sc-head-ico { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; flex-shrink: 0; }
.sc-head-ico svg { width: 22px; height: 22px; }
.pros .sc-head-ico { background: var(--forest-900); color: var(--lime); }
.cons .sc-head-ico { background: #FDEDE6; color: #B4461F; }
.sc-card-head div { flex: 1; }
.sc-card-head h3 { font-size: 1.45rem; color: var(--forest-900); margin: 0; letter-spacing: -0.02em; }
.sc-card-head div span { font-size: .82rem; color: var(--ink-500); }
.sc-card-head em {
  font-style: normal; font-family: var(--font-mono); font-weight: 700; font-size: .85rem;
  padding: 4px 10px; border-radius: var(--radius-full);
}
.pros .sc-card-head em { background: var(--mint-50); color: var(--forest-700); }
.cons .sc-card-head em { background: #FDEDE6; color: #B4461F; }

.sc-list { list-style: none; }
.sc-list li {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 14px 0; border-bottom: 1px solid var(--ink-100);
}
.sc-list li:last-child { border-bottom: 0; }
.sc-ico { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; flex-shrink: 0; margin-top: 1px; }
.sc-ico svg { width: 13px; height: 13px; }
.sc-ico.check { background: var(--lime); color: var(--forest-900); }
.sc-ico.cross { background: #FDEDE6; color: #B4461F; }
.sc-list strong { display: block; font-size: .96rem; color: var(--forest-900); margin-bottom: 2px; line-height: 1.35; }
.sc-list li div span { display: block; font-size: .85rem; color: var(--ink-600); line-height: 1.5; }

.sc-cta {
  background: var(--mint-50);
  border: 1px solid var(--mint-100);
  border-radius: var(--radius-xl);
  padding: var(--sp-5) var(--sp-8);
  display: flex; align-items: center; justify-content: space-between; gap: var(--sp-5);
  flex-wrap: wrap;
}
.sc-cta p { margin: 0; color: var(--forest-800); font-size: .98rem; }
.sc-cta strong { color: var(--forest-900); }

@media (max-width: 1100px) {
  .sc-verdict { grid-template-columns: auto 1fr; }
  .sc-subs { grid-column: 1 / -1; display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px 30px; }
}
@media (max-width: 800px) {
  .sc-verdict { grid-template-columns: 1fr; padding: var(--sp-6); gap: var(--sp-6); }
  .sc-score { border-right: 0; padding-right: 0; padding-bottom: var(--sp-5); border-bottom: 1px solid rgba(255,255,255,.1); }
  .sc-subs { grid-template-columns: 1fr; }
  .sc-cols { grid-template-columns: 1fr; }
  .sc-card { padding: var(--sp-5) var(--sp-5) var(--sp-3); }
  .sc-cta { flex-direction: column; text-align: center; padding: var(--sp-5); }
}

/* ========================================
   COMPARISON TABLE
   ======================================== */
.compare-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius-xl); box-shadow: var(--shadow-md); }
.compare-table { width: 100%; min-width: 820px; border-collapse: collapse; background: var(--white); }
.compare-table th, .compare-table td { padding: var(--sp-4) var(--sp-5); text-align: center; border-right: 1px solid var(--ink-100); font-size: .9rem; }
.compare-table thead { background: var(--cream-200); }
.compare-table th { font-weight: 700; font-size: .88rem; color: var(--ink-900); padding: var(--sp-5); }
.compare-table th.highlight, .compare-table td.highlight {
  background: var(--lime); color: var(--forest-900); font-weight: 700;
}
.compare-table thead th.highlight { background: var(--forest-900); color: var(--lime); }
.compare-table tbody td:first-child { text-align: left; font-weight: 600; color: var(--ink-900); background: var(--cream-100); }
.compare-table tbody tr { border-bottom: 1px solid var(--ink-100); }
.compare-table tbody tr:hover { background: var(--mint-50); }
.check { color: var(--success); font-weight: 700; }
.cross { color: var(--ink-400); }

/* ========================================
   WHY US
   ======================================== */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.why-card {
  padding: var(--sp-6);
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--ink-100);
  transition: all .3s cubic-bezier(.4,0,.2,1);
}
.why-card:hover {
  background: var(--mint-50);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--lime);
}
.why-icon-wrap {
  width: 56px; height: 56px;
  background: var(--lime);
  border-radius: 15px;
  display: grid; place-items: center;
  margin-bottom: var(--sp-4);
  transition: transform .25s;
}
.why-card:hover .why-icon-wrap { transform: rotate(-5deg); }
.why-icon-wrap svg { width: 26px; height: 26px; stroke: var(--forest-900); stroke-width: 2.2; fill: none; }
.why-card h4 { margin-bottom: var(--sp-2); color: var(--ink-900); font-weight: 700; }
.why-card p { font-size: .95rem; line-height: 1.6; }
@media (max-width: 900px) { .why-grid { grid-template-columns: 1fr; } }

/* ========================================
   EDITORIAL REVIEW PROCESS (v12)
   ======================================== */
.rp-track {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--sp-5);
  position: relative;
  counter-reset: rp;
}
.rp-track::before {
  content: ''; position: absolute; top: 52px; left: 6%; right: 6%;
  height: 2px; background: repeating-linear-gradient(90deg, var(--forest-700) 0 8px, transparent 8px 16px);
  opacity: .25; z-index: 0;
}
.rp-step {
  border-radius: var(--radius-xl);
  padding: var(--sp-6);
  position: relative; z-index: 1;
  display: flex; flex-direction: column;
  transition: transform .3s ease, box-shadow .3s ease;
}
.rp-step:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.rp-step.dark { background: var(--forest-900); color: var(--white); }
.rp-step.lime { background: var(--lime); color: var(--forest-900); }

.rp-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--sp-5); }
.rp-num {
  font-family: var(--font-display); font-size: 2.6rem; font-weight: 800;
  line-height: 1; letter-spacing: -0.04em;
}
.rp-step.dark .rp-num { color: var(--lime); }
.rp-step.lime .rp-num { color: var(--forest-900); }
.rp-ico {
  width: 44px; height: 44px; border-radius: 13px;
  display: grid; place-items: center; font-size: 1.3rem;
}
.rp-step.dark .rp-ico { background: rgba(199,242,107,.14); color: var(--lime); }
.rp-step.lime .rp-ico { background: var(--forest-900); color: var(--lime); }

.rp-step h3 { font-size: 1.3rem; margin-bottom: 8px; letter-spacing: -0.02em; color: inherit; }
.rp-step p { font-size: .9rem; line-height: 1.6; flex: 1; margin-bottom: var(--sp-4); }
.rp-step.dark p { color: rgba(255,255,255,.72); }
.rp-step.lime p { color: var(--forest-800); }

.rp-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.rp-tags span { font-size: .72rem; font-weight: 600; padding: 4px 10px; border-radius: var(--radius-full); }
.rp-step.dark .rp-tags span { background: rgba(255,255,255,.08); color: rgba(255,255,255,.85); border: 1px solid rgba(199,242,107,.2); }
.rp-step.lime .rp-tags span { background: rgba(10,31,20,.08); color: var(--forest-900); }

.rp-bar {
  margin-top: var(--sp-6);
  background: var(--white);
  border: 1px solid var(--ink-100);
  border-radius: var(--radius-xl);
  padding: var(--sp-4) var(--sp-6);
  display: flex; justify-content: space-between; align-items: center;
  gap: var(--sp-4); flex-wrap: wrap;
}
.rp-meta { display: flex; flex-wrap: wrap; gap: var(--sp-5); font-size: .88rem; color: var(--ink-600); }
.rp-meta span { display: inline-flex; align-items: center; gap: 6px; }
.rp-meta i { color: var(--forest-700); font-size: 1.05rem; }
.rp-meta strong { color: var(--forest-900); }
.rp-meta a { color: var(--forest-700); font-weight: 600; text-decoration: underline; }
.rp-link { font-weight: 700; font-size: .9rem; color: var(--forest-900); background: var(--lime); padding: 10px 18px; border-radius: var(--radius-full); transition: all .2s; }
.rp-link:hover { background: var(--forest-900); color: var(--lime); }

@media (max-width: 1100px) {
  .rp-track { grid-template-columns: repeat(2, 1fr); }
  .rp-track::before { display: none; }
}
@media (max-width: 600px) {
  .rp-track { grid-template-columns: 1fr; }
  .rp-bar { flex-direction: column; align-items: flex-start; }
}

/* ========================================
   REAL CUSTOMER SUCCESS STORIES
   ======================================== */
.stories-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-6);
  margin-bottom: var(--sp-8);
}
.story-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--ink-100);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  display: flex;
  flex-direction: column;
}
.story-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.story-img {
  position: relative;
  width: 100%;
  height: 240px;
  overflow: hidden;
}
.story-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .6s cubic-bezier(.4,0,.2,1);
}
.story-card:hover .story-img img { transform: scale(1.06); }

.story-verified-badge {
  position: absolute;
  top: 16px; left: 16px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--white);
  color: var(--forest-900);
  padding: 7px 14px;
  border-radius: var(--radius-full);
  font-size: .75rem;
  font-weight: 700;
  box-shadow: 0 6px 16px rgba(10,31,20,.15);
}
.story-verified-badge svg {
  width: 14px; height: 14px;
  stroke: var(--success);
  fill: none;
}

.story-body {
  padding: var(--sp-6);
  flex: 1;
  display: flex;
  flex-direction: column;
}

.story-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: var(--sp-5);
}
.story-person strong {
  display: block;
  color: var(--ink-900);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 2px;
}
.story-person span {
  font-size: .82rem;
  color: var(--ink-500);
}
.story-stars { color: #00B67A; font-size: 1rem; letter-spacing: 2px; }

/* Before/After Stats Box */
.story-stats {
  background: var(--mint-50);
  border-radius: var(--radius-md);
  padding: var(--sp-4);
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  margin-bottom: var(--sp-5);
}
.stat-item {
  flex: 1;
  text-align: center;
}
.stat-item span {
  display: block;
  font-size: .68rem;
  color: var(--ink-500);
  text-transform: uppercase;
  letter-spacing: .08em;
  font-weight: 700;
  margin-bottom: 4px;
}
.stat-item strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 2px;
  line-height: 1;
}
.stat-item.before strong { color: var(--ink-500); }
.stat-item.after strong { color: var(--forest-700); }
.stat-item small {
  display: block;
  font-size: .72rem;
  color: var(--ink-500);
  font-weight: 500;
}
.stat-arrow {
  font-size: 1.5rem;
  color: var(--lime-dark);
  font-weight: 700;
  flex-shrink: 0;
}

.story-quote {
  font-size: .95rem;
  line-height: 1.65;
  color: var(--ink-700);
  margin-bottom: var(--sp-5);
  flex: 1;
  position: relative;
  padding-left: var(--sp-4);
  border-left: 3px solid var(--lime);
  font-style: italic;
}

.story-meta {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--sp-2);
  font-size: .8rem;
  color: var(--forest-700);
  font-weight: 600;
  padding-top: var(--sp-4);
  border-top: 1px solid var(--ink-100);
}

.stories-disclosure {
  text-align: center;
  font-size: .78rem;
  color: var(--ink-500);
  max-width: 820px;
  margin: 0 auto;
  line-height: 1.6;
  font-style: italic;
  padding: var(--sp-4) var(--sp-5);
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--ink-100);
}

@media (max-width: 1100px) { .stories-grid { grid-template-columns: 1fr; max-width: 640px; margin: 0 auto var(--sp-8); } }

/* ========================================
   AUTHOR (legacy, kept for compatibility)
   ======================================== */
.author-box {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: var(--sp-10);
  display: flex;
  gap: var(--sp-8);
  align-items: center;
  max-width: 980px;
  margin: 0 auto;
  border: 1px solid var(--ink-100);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}
.author-box::before {
  content: '"';
  position: absolute;
  top: -40px; right: 30px;
  font-family: var(--font-italic);
  font-size: 12rem;
  color: var(--mint-100);
  line-height: 1;
  z-index: 0;
}
.author-avatar {
  width: 140px; height: 140px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  background: var(--mint-100);
  border: 4px solid var(--lime);
  position: relative; z-index: 1;
}
.author-avatar img { width: 100%; height: 100%; object-fit: cover; }
.author-info { position: relative; z-index: 1; }
.author-info h4 { font-size: 1.5rem; color: var(--ink-900); margin-bottom: 4px; font-weight: 700; }
.author-info .author-title { color: var(--forest-700); font-weight: 600; font-size: .95rem; margin-bottom: var(--sp-3); }
.author-info p { font-size: .95rem; margin-bottom: var(--sp-4); line-height: 1.65; }
.author-meta { font-size: .82rem; color: var(--ink-500); display: flex; gap: var(--sp-5); flex-wrap: wrap; }
.author-meta span { display: inline-flex; align-items: center; gap: 5px; }
@media (max-width: 700px) { .author-box { flex-direction: column; text-align: center; padding: var(--sp-6); } }

/* ========================================
   REVIEWS
   ======================================== */
.tp-head { display: flex; justify-content: center; align-items: center; gap: var(--sp-5); margin-bottom: var(--sp-6); flex-wrap: wrap; }
.tp-score { font-family: var(--font-display); font-size: 3rem; color: var(--ink-900); font-weight: 800; letter-spacing: -0.03em; }
.tp-stars { color: #00B67A; font-size: 1.6rem; letter-spacing: 3px; }
.tp-logo { background: #00B67A; color: var(--white); padding: 6px 14px; border-radius: 7px; font-weight: 700; font-size: .9rem; }
.tp-dist { max-width: 460px; margin: 0 auto var(--sp-10); }
.tp-dist-row { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: 6px; font-size: .88rem; }
.tp-dist-row span:first-child { width: 52px; }
.tp-dist-row span:last-child { width: 44px; text-align: right; color: var(--ink-500); }
.tp-bar { flex: 1; height: 9px; background: var(--ink-100); border-radius: 4.5px; overflow: hidden; }
.tp-bar div { height: 100%; background: #00B67A; border-radius: 4.5px; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.review-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--sp-6);
  border: 1px solid var(--ink-100);
  transition: all .25s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.review-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--sp-4); }
.review-stars { color: #00B67A; letter-spacing: 2px; }
.review-verified { font-size: .72rem; color: var(--forest-800); background: var(--lime); padding: 4px 11px; border-radius: 20px; font-weight: 700; }
.review-card h3 { color: var(--ink-900); font-size: 1.02rem; margin-bottom: var(--sp-3); font-weight: 700; line-height: 1.3; }
.review-card p { font-size: .92rem; margin-bottom: var(--sp-5); line-height: 1.6; }
.review-foot { display: flex; align-items: center; gap: 12px; font-size: .85rem; color: var(--ink-500); }
.review-foot img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; border: 2px solid var(--lime); }
.review-foot div span { display: block; }
.review-foot div span:first-child { color: var(--ink-900); font-weight: 600; }
@media (max-width: 900px) { .reviews-grid { grid-template-columns: 1fr; } }

/* ========================================
   BLOG / RESOURCES
   ======================================== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-6);
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--ink-100);
  transition: all .3s cubic-bezier(.4,0,.2,1);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--lime);
}

.blog-img-link { display: block; position: relative; overflow: hidden; }
.blog-img {
  position: relative;
  width: 100%;
  height: 220px;
  overflow: hidden;
}
.blog-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .6s cubic-bezier(.4,0,.2,1);
}
.blog-card:hover .blog-img img { transform: scale(1.08); }

.blog-cat {
  position: absolute;
  top: 16px; left: 16px;
  background: var(--lime);
  color: var(--forest-900);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .02em;
  box-shadow: 0 4px 12px rgba(10,31,20,.15);
}

.blog-body {
  padding: var(--sp-6);
  display: flex;
  flex-direction: column;
  flex: 1;
}

.blog-meta {
  display: flex;
  gap: var(--sp-4);
  font-size: .78rem;
  color: var(--ink-500);
  margin-bottom: var(--sp-3);
  font-weight: 500;
}

.blog-card h3 {
  font-size: 1.2rem;
  line-height: 1.3;
  margin-bottom: var(--sp-3);
  font-weight: 700;
  letter-spacing: -0.02em;
}
.blog-card h3 a {
  color: var(--ink-900);
  transition: color .2s;
}
.blog-card h3 a:hover { color: var(--forest-700); }

.blog-card p {
  font-size: .9rem;
  line-height: 1.6;
  color: var(--ink-600);
  margin-bottom: var(--sp-5);
  flex: 1;
}

.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--forest-700);
  transition: gap .25s;
}
.blog-link svg { width: 16px; height: 16px; stroke: currentColor; }
.blog-link:hover { gap: 12px; color: var(--forest-900); }

@media (max-width: 900px) {
  .blog-grid { grid-template-columns: 1fr; max-width: 600px; margin: 0 auto; }
}

/* ========================================
   FAQ
   ======================================== */
.faq-wrap { max-width: 880px; margin: 0 auto; }
.faq-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  margin-bottom: var(--sp-3);
  overflow: hidden;
  border: 1px solid var(--ink-100);
  transition: all .25s;
}
.faq-item:hover { border-color: var(--mint-200); }
.faq-item[open] { border-color: var(--lime); box-shadow: var(--shadow-sm); }
.faq-item summary {
  list-style: none;
  padding: var(--sp-5) var(--sp-6);
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  font-weight: 600;
  color: var(--ink-900);
  font-size: 1.05rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  width: 34px; height: 34px;
  background: var(--lime);
  color: var(--forest-900);
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: 1.4rem;
  transition: transform .3s;
  font-weight: 700;
  flex-shrink: 0; margin-left: 12px;
}
.faq-item[open] summary::after { transform: rotate(45deg); background: var(--forest-900); color: var(--lime); }
.faq-item .faq-body { padding: 0 var(--sp-6) var(--sp-5); color: var(--ink-600); font-size: .95rem; line-height: 1.65; }

/* ========================================
   CTA BANNER
   ======================================== */
.cta-banner {
  background: var(--forest-900);
  color: var(--white);
  text-align: center;
  padding: var(--sp-20);
  border-radius: var(--radius-2xl);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(199,242,107,.12), transparent 60%);
  border-radius: 50%;
  pointer-events: none;
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -150px; left: -150px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(199,242,107,.08), transparent 60%);
  border-radius: 50%;
}
.cta-banner h2 { color: var(--white); position: relative; z-index: 2; font-weight: 800; font-size: clamp(2.25rem, 4.5vw, 3.5rem); }
.cta-banner h2 em { font-family: var(--font-italic); font-style: italic; color: var(--lime); font-weight: 400; }
.cta-banner p { color: rgba(255,255,255,.75); position: relative; z-index: 2; margin: var(--sp-4) auto var(--sp-8); max-width: 600px; font-size: 1.08rem; }
.cta-banner .btn { position: relative; z-index: 2; }

/* ========================================
   FOOTER
   ======================================== */
.site-footer { background: var(--ink-900); color: rgba(255,255,255,.7); padding: var(--sp-20) 0 var(--sp-8); }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: var(--sp-10); margin-bottom: var(--sp-12); }
.footer-brand p { color: rgba(255,255,255,.55); font-size: .9rem; margin-top: var(--sp-4); max-width: 340px; line-height: 1.6; }
.footer-brand .logo-text { color: var(--white); }
.footer-brand .logo-text span { color: var(--lime); }
.footer-brand .logo-mark { background: var(--lime); color: var(--forest-900); }
.footer-col .footer-h { color: var(--white); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: var(--sp-4); font-weight: 700; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: var(--sp-3); }
.footer-col a { font-size: .9rem; color: rgba(255,255,255,.6); transition: color .2s; }
.footer-col a:hover { color: var(--lime); }
.footer-legal { padding-top: var(--sp-8); border-top: 1px solid rgba(255,255,255,.08); font-size: .78rem; color: rgba(255,255,255,.4); }
.footer-legal p { color: rgba(255,255,255,.4); margin-bottom: var(--sp-3); line-height: 1.6; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .footer-grid { grid-template-columns: 1fr; } }

/* MOBILE STICKY */


/* ========================================
   SCROLL ANIMATIONS
   ======================================== */
@media (prefers-reduced-motion: no-preference) {
  .fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .8s ease, transform .8s ease;
  }
  .fade-up.visible {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ========================================
   IMAGE FALLBACK (branded placeholder)
   ======================================== */
.img-fallback {
  background:
    radial-gradient(circle at 80% 20%, rgba(199,242,107,.35), transparent 45%),
    linear-gradient(135deg, var(--forest-800) 0%, var(--forest-700) 100%) !important;
  position: relative;
}
.img-fallback::after {
  content: 'I';
  position: absolute; inset: 0; margin: auto;
  width: 64px; height: 64px; border-radius: 18px;
  background: var(--lime); color: var(--forest-900);
  font-family: var(--font-display); font-weight: 900; font-size: 2rem;
  display: grid; place-items: center;
  box-shadow: 0 10px 30px rgba(0,0,0,.25);
}
.team-avatar.img-fallback::after, .review-avatar.img-fallback::after { width: 60%; height: 60%; font-size: 1.2rem; border-radius: 50%; }
.blog-img { background: var(--mint-100); }

/* ========================================
   INDIGO CARD SERVICES GUIDE (v14)
   ======================================== */
.svc-facts {
  display: grid; grid-template-columns: repeat(6, 1fr);
  background: var(--forest-900); border-radius: var(--radius-xl);
  margin-bottom: var(--sp-6); overflow: hidden;
}
.svc-facts div { padding: var(--sp-4) var(--sp-5); border-right: 1px solid rgba(255,255,255,.08); }
.svc-facts div:last-child { border-right: 0; }
.svc-facts span { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.55); font-weight: 700; margin-bottom: 4px; }
.svc-facts strong { color: var(--lime); font-size: .98rem; font-weight: 700; }

.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.svc-card {
  background: var(--white); border: 1px solid var(--ink-100);
  border-radius: var(--radius-xl); padding: var(--sp-6);
  display: flex; flex-direction: column;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.svc-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--lime); }
.svc-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--sp-4); }
.svc-ico { width: 48px; height: 48px; border-radius: 14px; background: var(--forest-900); color: var(--lime); display: grid; place-items: center; font-size: 1.4rem; }
.svc-card:nth-child(3n+2) .svc-ico { background: var(--lime); color: var(--forest-900); }
.svc-num { font-family: var(--font-mono); font-size: .8rem; font-weight: 700; color: var(--ink-500); background: var(--mint-50); padding: 4px 10px; border-radius: var(--radius-full); }
.svc-card h3 { font-size: 1.2rem; color: var(--forest-900); margin-bottom: var(--sp-3); letter-spacing: -0.02em; }
.svc-steps { list-style: none; counter-reset: s; flex: 1; margin-bottom: var(--sp-4); }
.svc-steps li { counter-increment: s; position: relative; padding: 7px 0 7px 30px; font-size: .88rem; line-height: 1.5; color: var(--ink-600); border-bottom: 1px dashed var(--ink-100); }
.svc-steps li:last-child { border-bottom: 0; }
.svc-steps li::before { content: counter(s); position: absolute; left: 0; top: 8px; width: 20px; height: 20px; border-radius: 50%; background: var(--mint-50); color: var(--forest-700); font-size: .72rem; font-weight: 800; display: grid; place-items: center; }
.svc-link { display: inline-flex; align-items: center; gap: 6px; font-size: .86rem; font-weight: 700; color: var(--forest-900); background: var(--lime); padding: 9px 16px; border-radius: var(--radius-full); align-self: flex-start; transition: all .2s; }
.svc-link:hover { background: var(--forest-900); color: var(--lime); }
.svc-note { font-size: .78rem; color: var(--ink-500); font-style: italic; }
.svc-disclaimer { margin-top: var(--sp-6); font-size: .8rem; line-height: 1.6; color: var(--ink-500); background: var(--mint-50); border: 1px solid var(--mint-100); border-radius: var(--radius-md); padding: var(--sp-4) var(--sp-5); display: flex; gap: 10px; }
.svc-disclaimer i { color: var(--forest-700); font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }

@media (max-width: 1100px) {
  .svc-facts { grid-template-columns: repeat(3, 1fr); }
  .svc-facts div:nth-child(3) { border-right: 0; }
  .svc-facts div:nth-child(-n+3) { border-bottom: 1px solid rgba(255,255,255,.08); }
  .svc-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .svc-facts { grid-template-columns: repeat(2, 1fr); }
  .svc-facts div { border-right: 0 !important; border-bottom: 1px solid rgba(255,255,255,.08); }
  .svc-grid { grid-template-columns: 1fr; }
}

/* ========================================
   APPLY FORM — SPLIT PANEL, FIXED BG (v15)
   ======================================== */
html { scroll-padding-top: 96px; }
#apply { scroll-margin-top: 96px; }

.apply-split {
  position: relative;
  padding: var(--sp-20, 5rem) 0;
  color: var(--white);
  background-color: var(--forest-900);
  background-image:
    radial-gradient(circle at 12% 18%, rgba(199,242,107,.18), transparent 38%),
    radial-gradient(circle at 88% 85%, rgba(199,242,107,.12), transparent 40%),
    radial-gradient(rgba(199,242,107,.16) 1.2px, transparent 1.2px);
  background-size: 100% 100%, 100% 100%, 22px 22px;
  background-attachment: fixed, fixed, fixed;
  overflow: hidden;
}
/* iOS / touch devices: fixed backgrounds jitter, so scroll normally */
@media (hover: none), (max-width: 900px) {
  .apply-split { background-attachment: scroll, scroll, scroll; }
}

.apply-split-inner {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: var(--sp-12, 3rem);
  align-items: center;
  position: relative; z-index: 1;
}

.as-pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--lime); color: var(--forest-900);
  padding: 7px 14px; border-radius: var(--radius-full);
  font-size: .8rem; font-weight: 700;
}
.as-copy h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.1; letter-spacing: -0.03em;
  margin: var(--sp-5) 0 var(--sp-4);
}
.as-copy h2 em { color: var(--lime); font-family: 'Instrument Serif', Georgia, serif; font-style: italic; font-weight: 400; }
.as-lead { color: rgba(255,255,255,.72); font-size: 1.05rem; line-height: 1.6; margin-bottom: var(--sp-6); max-width: 480px; }

.as-list { list-style: none; display: grid; gap: var(--sp-4); margin-bottom: var(--sp-8); }
.as-list li { display: flex; gap: 14px; align-items: flex-start; }
.as-list li > span {
  width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0;
  background: rgba(199,242,107,.15); color: var(--lime);
  border: 1px solid rgba(199,242,107,.35);
  display: grid; place-items: center; font-size: .9rem;
}
.as-list strong { display: block; color: var(--white); font-size: .98rem; margin-bottom: 2px; }
.as-list li div { color: rgba(255,255,255,.62); font-size: .88rem; line-height: 1.5; }

.as-stats {
  display: grid; grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: var(--sp-5);
}
.as-stats div { padding-right: var(--sp-4); }
.as-stats div + div { padding-left: var(--sp-4); border-left: 1px solid rgba(255,255,255,.1); }
.as-stats strong { display: block; font-family: var(--font-display); font-size: 1.6rem; color: var(--lime); font-weight: 800; letter-spacing: -0.02em; }
.as-stats span { font-size: .78rem; color: rgba(255,255,255,.55); }

/* Form card */
.as-form-card {
  background: var(--white);
  color: var(--ink-900);
  border-radius: var(--radius-2xl, 28px);
  border-top: 6px solid var(--lime);
  box-shadow: 0 30px 60px rgba(0,0,0,.35);
  padding: var(--sp-6) var(--sp-6) var(--sp-5);
}
.as-form-head {
  display: flex; justify-content: space-between; align-items: center;
  padding-bottom: var(--sp-4); margin-bottom: var(--sp-4);
  border-bottom: 1px solid var(--ink-100);
}
.as-form-head h3 { font-size: 1.25rem; color: var(--forest-900); margin: 0; letter-spacing: -0.02em; }
.as-form-head p { font-size: .82rem; color: var(--ink-500); margin: 2px 0 0; }
.as-secure {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: .75rem; font-weight: 700; color: var(--forest-700);
  background: var(--mint-50); padding: 6px 12px; border-radius: var(--radius-full);
}

.as-form-body { position: relative; min-height: 420px; }
#_lg_form_ { position: relative; z-index: 1; width: 100%; }

/* Loading skeleton — hidden by JS once the form renders */
.as-skeleton { position: absolute; inset: 0; display: flex; flex-direction: column; gap: 14px; }
.as-skeleton div {
  height: 48px; border-radius: 12px;
  background: linear-gradient(90deg, var(--mint-50) 0%, var(--mint-100) 50%, var(--mint-50) 100%);
  background-size: 200% 100%;
  animation: asShimmer 1.4s linear infinite;
}
.as-skeleton .btn-sk { height: 52px; border-radius: 999px; background: var(--lime); opacity: .55; animation: none; margin-top: 8px; }
.as-form-body.loaded .as-skeleton { display: none; }
.as-form-body.loaded { min-height: 0; }
@keyframes asShimmer { from { background-position: 200% 0; } to { background-position: -200% 0; } }

.as-legal { font-size: .72rem; line-height: 1.55; color: var(--ink-500); margin-top: var(--sp-4); padding-top: var(--sp-4); border-top: 1px solid var(--ink-100); }
.as-legal a { color: var(--forest-700); text-decoration: underline; }

@media (max-width: 1000px) {
  .apply-split-inner { grid-template-columns: 1fr; gap: var(--sp-8); }
  .as-form-card { order: -1; }   /* form first on mobile */
  .as-copy h2 { font-size: 2rem; }
}
@media (max-width: 560px) {
  .apply-split { padding: var(--sp-12, 3rem) 0; }
  .as-form-card { padding: var(--sp-5) var(--sp-4); border-radius: 20px; }
  .as-stats strong { font-size: 1.25rem; }
}

/* ========================================
   AMOUNTS + RATES (merged, v23)
   ======================================== */
.ar-amounts { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-4); margin-bottom: var(--sp-6); }
.ar-amounts > div { background: var(--white); border: 1px solid var(--ink-100); border-radius: var(--radius-xl); padding: var(--sp-5); transition: all .3s; }
.ar-amounts > div:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.ar-amounts strong { display: block; font-family: var(--font-display); font-size: 1.45rem; font-weight: 800; letter-spacing: -0.02em; color: var(--forest-900); }
.ar-amounts span { display: inline-block; margin: 8px 0 4px; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--forest-700); }
.ar-amounts small { display: block; font-size: .86rem; color: var(--ink-500); }
.ar-amounts .ar-amt.on, .ar-amounts > div.on { background: var(--lime); border-color: var(--lime); }
.ar-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: var(--sp-5); }
.ar-card { background: var(--white); border: 1px solid var(--ink-100); border-radius: var(--radius-xl); padding: var(--sp-8); }
.ar-card h3 { font-size: 1.2rem; color: var(--forest-900); margin-bottom: var(--sp-5); }
.ar-tier { margin-bottom: var(--sp-4); }
.ar-tier:last-child { margin-bottom: 0; }
.ar-tier-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.ar-tier-top strong { font-family: var(--font-mono); font-size: .92rem; color: var(--forest-900); }
.ar-track { height: 8px; border-radius: 999px; background: var(--mint-100); overflow: hidden; }
.ar-track i { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--lime), var(--forest-700)); }
.ar-card .pill-tier { display: inline-block; padding: 4px 10px; border-radius: 999px; font-size: .76rem; font-weight: 700; }
.ar-card .t1 { background: var(--lime); color: var(--forest-900); }
.ar-card .t2 { background: #E1F5EE; color: #085041; }
.ar-card .t3 { background: #FAEEDA; color: #633806; }
.ar-card .t4 { background: #FAECE7; color: #712B13; }
.ar-card.dark { background: var(--forest-900); border-color: var(--forest-900); color: var(--white); display: flex; flex-direction: column; }
.ar-card.dark h3 { color: var(--white); }
.ar-fees { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: var(--sp-5); }
.ar-fees div { background: rgba(255,255,255,.05); border: 1px solid rgba(199,242,107,.2); border-radius: 14px; padding: 12px 14px; }
.ar-fees span { display: block; font-size: .74rem; color: rgba(255,255,255,.6); margin-bottom: 2px; }
.ar-fees strong { font-family: var(--font-display); font-size: 1.25rem; color: var(--lime); }
.ar-card.dark p { font-size: .88rem; color: rgba(255,255,255,.7); flex: 1; margin-bottom: var(--sp-5); }
.ar-btns { display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-4); }
.ar-link { color: var(--lime); font-weight: 600; font-size: .9rem; text-decoration: underline; text-underline-offset: 3px; }

/* ========================================
   WHO IT'S FOR (merged, v23)
   ======================================== */
.wf-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: var(--sp-6); margin-bottom: var(--sp-6); }
.wf-people { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-4); }
.wf-p { display: flex; gap: 14px; align-items: flex-start; background: var(--white); border: 1px solid var(--ink-100); border-radius: 20px; padding: var(--sp-5); transition: all .3s; }
.wf-p:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--lime); }
.wf-p > span { width: 46px; height: 46px; border-radius: 14px; background: var(--forest-900); color: var(--lime); display: grid; place-items: center; font-size: 1.3rem; flex-shrink: 0; }
.wf-p:nth-child(4n+2) > span, .wf-p:nth-child(4n+3) > span { background: var(--lime); color: var(--forest-900); }
.wf-p strong { display: block; color: var(--forest-900); font-size: 1rem; margin-bottom: 3px; }
.wf-p small { display: block; color: var(--ink-600); font-size: .86rem; line-height: 1.5; }
.wf-side { background: var(--forest-900); border-radius: 24px; padding: var(--sp-8); display: flex; flex-direction: column; }
.wf-side h3 { color: var(--white); font-size: 1.25rem; margin-bottom: var(--sp-5); }
.wf-uses { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: var(--sp-6); flex: 1; align-content: flex-start; }
.wf-use { display: inline-flex; align-items: center; gap: 7px; padding: 9px 14px; border-radius: 999px; background: rgba(255,255,255,.06); border: 1px solid rgba(199,242,107,.25); color: var(--white); font-size: .86rem; font-weight: 600; }
.wf-use i { color: var(--lime); }
.wf-side .btn { align-self: flex-start; background: var(--lime); color: var(--forest-900); }
.wf-whys { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-4); background: var(--white); border: 1px solid var(--ink-100); border-radius: 22px; padding: var(--sp-5) var(--sp-6); }
.wf-why { display: flex; gap: 12px; align-items: flex-start; }
.wf-why + .wf-why { border-left: 1px solid var(--ink-100); padding-left: var(--sp-4); }
.wf-why i { font-size: 1.4rem; color: var(--forest-700); margin-top: 2px; }
.wf-why strong { display: block; font-size: .93rem; color: var(--forest-900); }
.wf-why small { font-size: .8rem; color: var(--ink-500); }

@media (max-width: 1000px) {
  .ar-amounts { grid-template-columns: repeat(2, 1fr); }
  .ar-grid, .wf-grid { grid-template-columns: 1fr; }
  .wf-whys { grid-template-columns: 1fr 1fr; }
  .wf-why:nth-child(3) { border-left: 0; padding-left: 0; }
}
@media (max-width: 600px) {
  .wf-people, .ar-fees { grid-template-columns: 1fr; }
  .ar-amounts { grid-template-columns: 1fr 1fr; }
  .ar-card, .wf-side { padding: var(--sp-6); }
  .wf-whys { grid-template-columns: 1fr; }
  .wf-why + .wf-why { border-left: 0; padding-left: 0; border-top: 1px solid var(--ink-100); padding-top: var(--sp-4); }
}

/* ========================================
   E-E-A-T: BYLINE, DISCLOSURE, TOC, SOURCES (v24)
   ======================================== */
.hero-byline { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; margin: -6px 0 var(--sp-6); font-size: .86rem; color: var(--ink-600); }
.hb-item { display: inline-flex; align-items: center; gap: 7px; }
.hb-item > i { color: var(--forest-700); font-size: 1rem; }
.hb-item a { color: var(--forest-900); font-weight: 700; text-decoration: underline; text-decoration-color: var(--lime); text-decoration-thickness: 3px; text-underline-offset: 3px; }
.hb-av { width: 26px; height: 26px; border-radius: 50%; background: var(--forest-900); color: var(--lime); display: grid; place-items: center; font-size: .85rem; }
.hb-disc { position: relative; }
.hb-disc summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: 6px; padding: 5px 12px; border-radius: 999px; border: 1px solid rgba(10,31,20,.15); background: rgba(255,255,255,.6); font-weight: 600; color: var(--forest-800); transition: all .2s; }
.hb-disc summary::-webkit-details-marker { display: none; }
.hb-disc summary:hover, .hb-disc[open] summary { background: var(--lime); border-color: var(--lime); color: var(--forest-900); }
.hb-disc-body { position: absolute; z-index: 30; top: calc(100% + 10px); left: 0; width: min(440px, 86vw); background: var(--white); border: 1px solid var(--ink-100); border-radius: 16px; box-shadow: var(--shadow-xl); padding: 16px 18px; font-size: .84rem; line-height: 1.6; color: var(--ink-700); }
.hb-disc-body strong { color: var(--forest-900); }
.hb-disc-body a { color: var(--forest-700); font-weight: 600; text-decoration: underline; }

.page-toc { background: var(--white); border-top: 1px solid var(--ink-100); border-bottom: 1px solid var(--ink-100); padding: 14px 0; }
.toc-inner { display: flex; align-items: center; gap: var(--sp-4); }
.toc-label { flex-shrink: 0; display: inline-flex; align-items: center; gap: 7px; font-size: .75rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; color: var(--forest-900); background: var(--lime); padding: 8px 14px; border-radius: 999px; }
.toc-links { display: flex; gap: 8px; overflow-x: auto; scrollbar-width: none; -webkit-mask-image: linear-gradient(90deg, #000 92%, transparent); mask-image: linear-gradient(90deg, #000 92%, transparent); padding-right: 30px; }
.toc-links::-webkit-scrollbar { display: none; }
.toc-links a { flex-shrink: 0; display: inline-flex; align-items: center; gap: 6px; padding: 8px 14px; border-radius: 999px; background: var(--mint-50); color: var(--forest-800); font-size: .84rem; font-weight: 600; white-space: nowrap; transition: all .2s; }
.toc-links a i { color: var(--forest-700); }
.toc-links a:hover { background: var(--forest-900); color: var(--lime); }
.toc-links a:hover i { color: var(--lime); }

.sources-sec { padding: var(--sp-20) 0; border-top: 1px solid var(--ink-100); }
.src-head { display: grid; grid-template-columns: 1fr 1.3fr; gap: var(--sp-10); align-items: end; margin-bottom: var(--sp-8); }
.src-head h2 { margin: var(--sp-3) 0 0; }
.src-head p { color: var(--ink-600); }
.src-list { list-style: none; counter-reset: src; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-4); }
.src-list li { counter-increment: src; }
.src-list a { position: relative; display: block; height: 100%; background: var(--white); border: 1px solid var(--ink-100); border-radius: 18px; padding: var(--sp-5) var(--sp-5) var(--sp-5) 62px; transition: all .25s; }
.src-list a::before { content: counter(src); position: absolute; left: 18px; top: 20px; width: 30px; height: 30px; border-radius: 50%; background: var(--forest-900); color: var(--lime); font-family: var(--font-mono); font-weight: 700; font-size: .8rem; display: grid; place-items: center; }
.src-list a:hover { border-color: var(--lime); transform: translateY(-3px); box-shadow: var(--shadow-md); }
.src-org { display: block; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--forest-700); margin-bottom: 4px; }
.src-list strong { display: block; color: var(--forest-900); font-size: .98rem; margin-bottom: 4px; }
.src-list strong i { font-size: .85rem; color: var(--ink-500); }
.src-list small { display: block; color: var(--ink-600); font-size: .84rem; line-height: 1.5; }
.src-meta { margin-top: var(--sp-6); font-size: .84rem; color: var(--ink-500); display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
.src-meta a { color: var(--forest-700); font-weight: 600; text-decoration: underline; }

@media (max-width: 1000px) {
  .src-list { grid-template-columns: 1fr 1fr; }
  .src-head { grid-template-columns: 1fr; gap: var(--sp-4); }
}
@media (max-width: 640px) {
  .src-list { grid-template-columns: 1fr; }
  .toc-label span, .toc-label { font-size: .68rem; padding: 7px 10px; }
  .hb-disc-body { left: auto; right: -40px; }
}