/* CASH ZA — shared design system. Bound to cash-za-website-plan.md tokens.
   The ONLY place raw hex lives is :root. Everything else uses var()/color-mix(). */
:root {
  /* brand */
  --brand-green:   #008037;
  --brand-hover:   #00702f;
  --brand-pressed: #005f28;
  --forest:        #053c2d;
  --forest-2:      #0b4d3a;
  --lime:          #dfff58;

  /* neutrals */
  --bg:            #f7f9f6;
  --surface:       #ffffff;
  --white:         #ffffff;
  --surface-muted: #f1f5f0;
  --mint:          #eaf8f0;
  --fg:            #0f1a14;
  --text:          #2b3a31;
  --muted:         #5b6b60;
  --border:        #e2e8e2;
  --border-strong: #c7d2c9;

  /* semantic */
  --success: #0f7a3d;
  --warning: #b5730b;
  --error:   #c0362c;
  --info:    #1d6fb8;
  --focus:   #1d6fb8;

  --accent:      var(--brand-green);
  --accent-soft: color-mix(in oklch, var(--brand-green) 12%, transparent);
  --fg-soft:     color-mix(in oklch, var(--fg) 5%, transparent);

  --grad-hero: linear-gradient(135deg, #eaf8f0 0%, #f7f9f6 52%, #dfff58 160%);
  --grad-cta:  linear-gradient(135deg, #053c2d 0%, #0b4d3a 68%, #008037 140%);

  --font-display: 'Manrope', system-ui, -apple-system, 'Segoe UI', Arial, sans-serif;
  --font-body:    'Inter', system-ui, -apple-system, 'Segoe UI', Arial, sans-serif;
  --font-money:   'Manrope', system-ui, sans-serif;

  --fs-display: clamp(40px, 5.4vw, 60px);
  --fs-h2: clamp(28px, 3.4vw, 40px);
  --fs-h3: clamp(19px, 1.6vw, 22px);
  --fs-lead: clamp(17px, 1.4vw, 19px);
  --fs-body: 16px;
  --fs-meta: 13px;

  --gap-xs: 8px; --gap-sm: 12px; --gap-md: 20px; --gap-lg: 32px;
  --gap-xl: 56px; --gap-2xl: 96px;
  --container: 1240px; --gutter: 32px;

  --r-sm: 8px; --r-md: 12px; --r-lg: 16px; --r-xl: 24px; --r-full: 999px;

  --shadow-1: 0 8px 24px rgba(18,34,26,.06);
  --shadow-2: 0 20px 60px rgba(5,60,45,.12);
  --shadow-float: 0 8px 28px rgba(18,34,26,.16);
}

/* ── reset & base ── */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--text); font-family: var(--font-body); font-size: var(--fs-body); line-height: 1.55; text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
p { text-wrap: pretty; margin: 0; }
h1, h2, h3, h4 { text-wrap: balance; margin: 0; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; border-radius: 3px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip { position: absolute; left: 12px; top: -64px; z-index: 100; background: var(--surface); color: var(--brand-pressed); border: 1px solid var(--border-strong); border-radius: var(--r-md); padding: 10px 16px; font-weight: 600; box-shadow: var(--shadow-1); transition: top .15s ease; }
.skip:focus { top: 12px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }

/* ── layout primitives ── */
.container { max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(56px, 8vw, 120px); }
.section-sm { padding-block: clamp(40px, 6vw, 80px); }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: var(--gap-lg); }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--gap-lg); }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--gap-md); }
.grid-2-1 { display: grid; grid-template-columns: 1.7fr 1fr; gap: var(--gap-2xl); align-items: start; }
.stack > * + * { margin-top: var(--gap-md); }
.row-between { display: flex; align-items: center; justify-content: space-between; gap: var(--gap-md); }
@media (max-width: 920px) { .grid-2, .grid-3, .grid-4, .grid-2-1 { grid-template-columns: 1fr; gap: var(--gap-lg); } }
@media (max-width: 767px)  { .grid-4 { grid-template-columns: 1fr 1fr; } }

/* ── type ── */
.display { font-family: var(--font-display); font-weight: 800; font-size: var(--fs-display); line-height: 1.06; letter-spacing: -0.02em; color: var(--fg); }
h2, .h2 { font-family: var(--font-display); font-weight: 700; font-size: var(--fs-h2); line-height: 1.12; letter-spacing: -0.015em; color: var(--fg); }
h3, .h3 { font-family: var(--font-display); font-weight: 700; font-size: var(--fs-h3); line-height: 1.25; color: var(--fg); }
.lead { font-size: var(--fs-lead); line-height: 1.55; color: var(--muted); max-width: 62ch; }
.eyebrow { font-family: var(--font-body); font-weight: 600; font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-pressed); margin: 0 0 12px; }
.meta { font-family: var(--font-body); font-size: var(--fs-meta); color: var(--muted); }
.money { font-family: var(--font-money); font-variant-numeric: tabular-nums; font-weight: 800; letter-spacing: -0.02em; color: var(--fg); }
.sec-intro { max-width: 680px; }
.sec-intro .lead { margin-top: 12px; }

/* ── buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 44px; padding: 12px 22px; border-radius: var(--r-full); border: 1.5px solid transparent; font-weight: 600; font-size: 15px; letter-spacing: -0.005em; transition: transform .05s ease, background .15s ease, border-color .15s ease, color .15s ease; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand-green); color: var(--white); border-color: var(--brand-green); box-shadow: var(--shadow-1); }
.btn-primary:hover { background: var(--brand-hover); border-color: var(--brand-hover); }
.btn-primary:active { background: var(--brand-pressed); }
.btn-secondary { background: var(--surface); color: var(--brand-pressed); border-color: var(--border-strong); }
.btn-secondary:hover { border-color: var(--brand-green); color: var(--brand-green); }
.btn-ghost { background: transparent; color: var(--brand-pressed); border-color: transparent; padding-inline: 6px; min-height: auto; }
.btn-ghost:hover { color: var(--brand-green); }
.btn-lime { background: var(--lime); color: var(--fg); border-color: var(--lime); }
.btn-lime:hover { background: color-mix(in oklch, var(--lime) 86%, var(--white)); }
.btn-arrow::after { content: '→'; transition: transform .15s ease; }
.btn-arrow:hover::after { transform: translateX(3px); }
.btn-full { width: 100%; }

/* ── card ── */
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 28px; box-shadow: var(--shadow-1); }

/* ── pill / chip ── */
.pill { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; background: var(--mint); color: var(--brand-pressed); border-radius: var(--r-full); font-weight: 600; font-size: 12px; letter-spacing: 0.03em; }
.pill svg { width: 14px; height: 14px; }

/* ── announcement bar ── */
.announce { background: var(--forest); color: var(--white); font-size: 13.5px; }
.announce .container { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 40px; padding-block: 8px; text-align: center; }
.announce svg { width: 16px; height: 16px; color: var(--lime); flex: none; }
.announce .close { margin-left: auto; background: transparent; border: 0; color: color-mix(in oklch, var(--white) 75%, transparent); width: 28px; height: 28px; border-radius: var(--r-full); display: grid; place-items: center; }
.announce .close:hover { color: var(--white); background: color-mix(in oklch, var(--white) 12%, transparent); }
@media (max-width: 639px) { .announce .container { justify-content: flex-start; text-align: left; } }

/* ── header ── */
.topnav { position: sticky; top: 0; z-index: 40; background: color-mix(in oklch, var(--surface) 88%, transparent); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); transition: box-shadow .2s ease, background .2s ease; }
.topnav.scrolled { background: var(--surface); box-shadow: var(--shadow-1); }
.topnav-inner { display: flex; align-items: center; gap: var(--gap-lg); min-height: 80px; }
.brand { display: flex; align-items: center; gap: 9px; font-family: var(--font-display); font-weight: 800; font-size: 20px; letter-spacing: -0.02em; color: var(--fg); }
.brand .logo-mark { width: 30px; height: 30px; border-radius: 8px; background: var(--brand-green); display: grid; place-items: center; color: var(--white); font-size: 15px; font-weight: 800; }
/* menu sits right, next to the login + apply actions */
.topnav nav { display: flex; gap: 26px; margin-left: auto; }
.topnav nav a { font-size: 15px; color: var(--text); font-weight: 500; }
.topnav nav a:hover, .topnav nav a.active { color: var(--brand-green); }
.topnav .nav-actions { margin-left: 0; display: flex; align-items: center; gap: 14px; }
.topnav .login-link { font-size: 15px; font-weight: 600; color: var(--brand-pressed); }
.topnav .login-link:hover { color: var(--brand-green); }
.menu-btn { display: none; width: 44px; height: 44px; border: 1px solid var(--border-strong); border-radius: var(--r-md); background: var(--surface); place-items: center; }
.menu-btn svg { width: 22px; height: 22px; color: var(--fg); }
.mobile-menu { display: none; border-bottom: 1px solid var(--border); background: var(--surface); }
.mobile-menu.open { display: block; }
.mobile-menu a { display: block; padding: 14px 0; font-size: 16px; font-weight: 500; border-top: 1px solid var(--border); color: var(--fg); }
.mobile-menu .btn { margin-top: 16px; margin-bottom: 8px; }
@media (max-width: 1023px) {
  .topnav nav, .topnav .nav-actions .btn { display: none; }
  .topnav-inner { min-height: 64px; }
  .menu-btn { display: grid; }
  .topnav .nav-actions { gap: 10px; }
}

/* ── homepage hero + calculator ── */
.hero { position: relative; background: var(--grad-hero); overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(var(--forest) 1px, transparent 1.4px); background-size: 22px 22px; opacity: 0.055; pointer-events: none; }
.hero .container { position: relative; }
.hero-grid { display: grid; grid-template-columns: minmax(0,7fr) minmax(0,5fr); gap: var(--gap-2xl); align-items: center; min-height: 600px; }
.hero-copy { max-width: 580px; }
.hero-copy .display { margin-bottom: 20px; }
.hero-copy .lead { margin-bottom: 28px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }
.trust-notes { display: flex; flex-wrap: wrap; gap: 18px 24px; }
.trust-notes li { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--text); font-weight: 500; }
.trust-notes svg { width: 18px; height: 18px; color: var(--brand-green); flex: none; }
ul { list-style: none; margin: 0; padding: 0; }
@media (max-width: 1023px) { .hero-grid { grid-template-columns: 1fr; gap: var(--gap-xl); min-height: 0; } .hero-copy { max-width: none; } }

.calc { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--shadow-2); padding: 26px; }
.calc-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 20px; }
.calc-head h3 { font-size: 18px; }
.calc-field { margin-bottom: 20px; }
.calc-field .field-top { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 10px; }
.calc-field label { font-size: 14px; font-weight: 600; color: var(--text); }
.amt-input { display: inline-flex; align-items: center; gap: 2px; border: 1.5px solid var(--border-strong); border-radius: var(--r-md); padding: 4px 10px; background: var(--surface); }
.amt-input .rand { font-family: var(--font-money); font-weight: 700; color: var(--muted); font-size: 15px; }
.amt-input input { border: 0; outline: 0; width: 72px; font-family: var(--font-money); font-weight: 800; font-variant-numeric: tabular-nums; font-size: 17px; color: var(--fg); background: transparent; text-align: right; }
.amt-input:focus-within { border-color: var(--brand-green); }
input[type=range].slider { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: var(--r-full); background: var(--border); outline: none; margin: 6px 0; }
input[type=range].slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--brand-green); border: 3px solid var(--white); box-shadow: var(--shadow-1); cursor: pointer; transition: transform .1s ease; }
input[type=range].slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--brand-green); border: 3px solid var(--white); box-shadow: var(--shadow-1); cursor: pointer; }
input[type=range].slider:active::-webkit-slider-thumb { transform: scale(1.14); }
input[type=range].slider:active::-moz-range-thumb { transform: scale(1.14); }
.slider-scale { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); font-variant-numeric: tabular-nums; margin-top: 2px; }
.seg { display: grid; grid-template-columns: repeat(4,1fr); gap: 8px; }
.seg-btn { min-height: 44px; border: 1.5px solid var(--border-strong); background: var(--surface); border-radius: var(--r-md); font-weight: 700; font-size: 15px; color: var(--text); font-variant-numeric: tabular-nums; transition: all .12s ease; }
.seg-btn:hover { border-color: var(--brand-green); }
.seg-btn.is-on { background: var(--lime); border-color: var(--lime); color: var(--fg); }
.seg-btn small { display: block; font-size: 11px; font-weight: 500; color: var(--muted); }
.seg-btn.is-on small { color: var(--brand-pressed); }
.calc-summary { background: var(--mint); border-radius: var(--r-lg); padding: 18px 20px; margin: 22px 0 14px; }
.sum-row { display: flex; align-items: baseline; justify-content: space-between; }
.sum-row + .sum-row { margin-top: 10px; padding-top: 10px; border-top: 1px solid color-mix(in oklch, var(--brand-green) 16%, transparent); }
.sum-row .k { font-size: 14px; color: var(--text); }
.sum-row .v { font-family: var(--font-money); font-variant-numeric: tabular-nums; font-weight: 700; color: var(--fg); }
.sum-row.primary .k { font-weight: 600; }
.sum-row.primary .v { font-size: clamp(30px, 4vw, 40px); letter-spacing: -0.02em; color: var(--brand-pressed); }
.calc-notice { display: flex; gap: 8px; font-size: 12.5px; line-height: 1.45; color: var(--muted); margin-bottom: 16px; }
.calc-notice svg { width: 16px; height: 16px; color: var(--info); flex: none; margin-top: 1px; }

/* ── trust strip ── */
.trust-strip { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-strip .container { padding-block: 28px; }
.trust-cell { display: flex; align-items: flex-start; gap: 12px; }
.trust-cell .ico { width: 40px; height: 40px; border-radius: var(--r-md); background: var(--mint); display: grid; place-items: center; flex: none; }
.trust-cell .ico svg { width: 20px; height: 20px; color: var(--brand-green); }
.trust-cell h3 { font-size: 15px; font-family: var(--font-body); font-weight: 700; }
.trust-cell p { font-size: 13.5px; color: var(--muted); margin-top: 3px; }
@media (min-width: 640px) and (max-width: 1023px) { .trust-strip .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 639px) {
  .trust-strip .grid-4 { grid-auto-flow: column; grid-auto-columns: 80%; grid-template-columns: none; overflow-x: auto; scroll-snap-type: x mandatory; scroll-padding-left: var(--gutter); padding-bottom: 6px; }
  .trust-cell { scroll-snap-align: start; }
}

/* ── numbered steps ── */
.steps { position: relative; }
.steps .connector { position: absolute; top: 34px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, var(--border-strong) 0 8px, transparent 8px 16px); z-index: 0; }
.step { position: relative; z-index: 1; }
.step .num { width: 68px; height: 68px; border-radius: var(--r-full); background: var(--surface); border: 2px solid var(--brand-green); color: var(--brand-pressed); display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; font-size: 28px; margin-bottom: 18px; }
.step .step-ico { display: inline-flex; margin-bottom: 10px; }
.step .step-ico svg { width: 22px; height: 22px; color: var(--brand-green); }
.step h3 { margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 15px; }
@media (max-width: 920px) {
  .steps .connector { top: 0; bottom: 0; left: 33px; right: auto; width: 2px; height: auto; background: repeating-linear-gradient(180deg, var(--border-strong) 0 8px, transparent 8px 16px); }
  .step { padding-left: 0; }
}

/* ── feature cards ── */
.feature { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 26px; box-shadow: var(--shadow-1); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.feature:hover { transform: translateY(-4px); box-shadow: var(--shadow-2); border-color: var(--border-strong); }
.feature .mark { width: 44px; height: 44px; border-radius: var(--r-md); background: var(--mint); display: grid; place-items: center; margin-bottom: 16px; }
.feature .mark svg { width: 22px; height: 22px; color: var(--brand-green); }
.feature h3 { margin-bottom: 8px; }
.feature p { color: var(--muted); font-size: 15px; }
.feature a { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; font-weight: 600; font-size: 14px; color: var(--brand-pressed); }
.feature a:hover { color: var(--brand-green); }

/* ── product cards ── */
.product { display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 28px; box-shadow: var(--shadow-1); transition: transform .18s ease, box-shadow .18s ease; }
.product:hover { transform: translateY(-4px); box-shadow: var(--shadow-2); }
.product .ptag { align-self: flex-start; margin-bottom: 16px; }
.product h3 { font-size: 21px; margin-bottom: 4px; }
.product .who { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.product .prange { border-top: 1px solid var(--border); padding-top: 16px; margin-top: 4px; }
.product .prange dl { display: flex; justify-content: space-between; align-items: baseline; padding: 7px 0; margin: 0; }
.product .prange dt { font-size: 14px; color: var(--muted); }
.product .prange dd { margin: 0; font-family: var(--font-money); font-weight: 700; font-variant-numeric: tabular-nums; color: var(--fg); font-size: 15px; }
.product .pfoot { margin-top: auto; padding-top: 20px; }
.product .cost-link { display: inline-block; margin-top: 12px; font-size: 13px; font-weight: 600; color: var(--brand-pressed); }
.product.featured { background: var(--forest); border-color: var(--forest); color: color-mix(in oklch, var(--white) 82%, transparent); }
.product.featured h3, .product.featured dd { color: var(--white); }
.product.featured .who, .product.featured .prange dt { color: color-mix(in oklch, var(--white) 68%, transparent); }
.product.featured .prange { border-top-color: color-mix(in oklch, var(--white) 16%, transparent); }
.product.featured .ptag { background: var(--lime); color: var(--fg); }
.product.featured .cost-link { color: var(--lime); }
.product-note { display: flex; gap: 8px; font-size: 12.5px; color: var(--muted); margin-top: 14px; line-height: 1.4; }
.product.featured .product-note { color: color-mix(in oklch, var(--white) 60%, transparent); }
.product-note svg { width: 15px; height: 15px; flex: none; margin-top: 1px; color: var(--info); }
.product.featured .product-note svg { color: var(--lime); }

/* ── checklist + cost table ── */
.checklist li { display: flex; align-items: flex-start; gap: 12px; padding: 12px 0; border-top: 1px solid var(--border); }
.checklist li:first-child { border-top: 0; }
.checklist .chk { width: 24px; height: 24px; border-radius: var(--r-full); background: color-mix(in oklch, var(--success) 14%, transparent); display: grid; place-items: center; flex: none; }
.checklist .chk svg { width: 14px; height: 14px; color: var(--success); }
.checklist strong { display: block; font-size: 15px; color: var(--fg); }
.checklist span { font-size: 13.5px; color: var(--muted); }
.cost-table { width: 100%; border-collapse: collapse; }
.cost-table th, .cost-table td { text-align: left; padding: 13px 0; border-bottom: 1px solid var(--border); font-size: 14.5px; }
.cost-table th { font-weight: 600; color: var(--muted); font-size: 12px; letter-spacing: 0.05em; text-transform: uppercase; }
.cost-table td:last-child, .cost-table th:last-child { text-align: right; font-family: var(--font-money); font-variant-numeric: tabular-nums; font-weight: 700; color: var(--fg); }
.cost-table .desc { font-size: 12.5px; color: var(--muted); font-family: var(--font-body); font-weight: 400; }

/* ── forest panel ── */
.forest-panel { background: var(--forest); color: color-mix(in oklch, var(--white) 82%, transparent); border-radius: var(--r-xl); padding: clamp(32px, 5vw, 56px); }
.forest-panel .eyebrow { color: var(--lime); }
.forest-panel h2 { color: var(--white); }
.forest-panel .lead { color: color-mix(in oklch, var(--white) 72%, transparent); }
.sec-list li { display: flex; align-items: flex-start; gap: 12px; padding: 14px 0; border-top: 1px solid color-mix(in oklch, var(--white) 14%, transparent); }
.sec-list li:first-child { border-top: 0; }
.sec-list .ico { width: 26px; height: 26px; flex: none; display: grid; place-items: center; }
.sec-list .ico svg { width: 20px; height: 20px; color: var(--lime); }
.sec-list strong { color: var(--white); display: block; font-size: 15px; }
.sec-list span { font-size: 13.5px; color: color-mix(in oklch, var(--white) 66%, transparent); }

/* ── responsible lending ── */
.resp { background: var(--surface-muted); }
.resp .card { background: var(--surface); }
.rl-item { display: flex; gap: 14px; align-items: flex-start; }
.rl-item .ico { width: 40px; height: 40px; border-radius: var(--r-md); background: var(--mint); display: grid; place-items: center; flex: none; }
.rl-item .ico svg { width: 20px; height: 20px; color: var(--brand-green); }
.rl-item h3 { font-size: 16px; font-family: var(--font-body); font-weight: 700; margin-bottom: 4px; }
.rl-item p { font-size: 14px; color: var(--muted); }

/* ── testimonials placeholder ── */
.stories-empty { border: 1.5px dashed var(--border-strong); border-radius: var(--r-xl); background: var(--surface); padding: clamp(32px, 5vw, 48px); text-align: center; max-width: 720px; margin: 0 auto; }
.stories-empty .pill { margin-bottom: 16px; }
.stories-empty p { color: var(--muted); max-width: 52ch; margin: 10px auto 0; }

/* ── FAQ ── */
.faq { max-width: 820px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 22px 4px; background: transparent; border: 0; text-align: left; font-family: var(--font-display); font-weight: 700; font-size: 17px; color: var(--fg); }
.faq-q .plus { width: 26px; height: 26px; flex: none; position: relative; }
.faq-q .plus::before, .faq-q .plus::after { content: ''; position: absolute; background: var(--brand-green); border-radius: 2px; transition: transform .2s ease; }
.faq-q .plus::before { top: 12px; left: 4px; right: 4px; height: 2px; }
.faq-q .plus::after { left: 12px; top: 4px; bottom: 4px; width: 2px; }
.faq-item.open .plus::after { transform: scaleY(0); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-a p { padding: 0 4px 22px; color: var(--muted); font-size: 15px; max-width: 68ch; }

/* ── closing CTA ── */
.cta-dark { position: relative; background: var(--grad-cta); color: var(--white); border-radius: var(--r-xl); text-align: center; padding: clamp(48px, 7vw, 88px) 32px; overflow: hidden; }
.cta-dark .eyebrow { color: var(--lime); }
.cta-dark h2 { color: var(--white); max-width: 20ch; margin: 0 auto 16px; }
.cta-dark .lead { color: color-mix(in oklch, var(--white) 78%, transparent); max-width: 52ch; margin: 0 auto 28px; }
.cta-dark .hero-cta { justify-content: center; }
.cta-dark .btn-secondary { background: transparent; color: var(--white); border-color: color-mix(in oklch, var(--white) 34%, transparent); }
.cta-dark .btn-secondary:hover { border-color: var(--white); color: var(--white); }

/* ── footer ── */
.pagefoot { background: var(--forest); color: color-mix(in oklch, var(--white) 66%, transparent); padding-block: clamp(48px, 6vw, 72px) 32px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: var(--gap-lg); }
.pagefoot .brand { color: var(--white); margin-bottom: 14px; }
.pagefoot .brand .logo-mark { background: var(--lime); color: var(--forest); }
.pagefoot h4 { font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; color: color-mix(in oklch, var(--white) 55%, transparent); margin-bottom: 14px; font-family: var(--font-body); font-weight: 600; }
.pagefoot a { display: block; padding: 6px 0; font-size: 14px; color: color-mix(in oklch, var(--white) 72%, transparent); }
.pagefoot a:hover { color: var(--lime); }
.pagefoot .about-blurb { font-size: 14px; max-width: 34ch; margin-bottom: 16px; }
.foot-legal { border-top: 1px solid color-mix(in oklch, var(--white) 14%, transparent); margin-top: 40px; padding-top: 24px; font-size: 12.5px; line-height: 1.6; color: color-mix(in oklch, var(--white) 55%, transparent); }
.foot-legal .placeholder { color: var(--lime); }
@media (max-width: 920px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 519px) { .foot-grid { grid-template-columns: 1fr; } }

/* ── mobile fixed apply bar ── */
.apply-bar { position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 50; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-full); box-shadow: var(--shadow-float); padding: 8px 8px 8px 20px; display: none; align-items: center; justify-content: space-between; gap: 12px; transform: translateY(140%); transition: transform .28s ease; }
.apply-bar.show { transform: translateY(0); }
.apply-bar .ab-label { font-size: 13px; font-weight: 600; color: var(--fg); line-height: 1.2; }
.apply-bar .ab-label small { display: block; font-weight: 400; color: var(--muted); font-size: 11.5px; }
@media (max-width: 1023px) { .apply-bar { display: flex; } }

.divider { border: 0; border-top: 1px solid var(--border); }

/* ─────────────────────────────────────────────────────────────────────
   INNER-PAGE HELPERS (used by the 12 sub-pages)
   ───────────────────────────────────────────────────────────────────── */
.page-hero { background: var(--surface-muted); border-bottom: 1px solid var(--border); }
.page-hero .container { padding-block: clamp(40px, 6vw, 76px); }
.page-hero h1 { font-family: var(--font-display); font-weight: 800; font-size: clamp(32px, 4.4vw, 46px); line-height: 1.08; letter-spacing: -0.02em; color: var(--fg); }
.page-hero .lead { margin-top: 14px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 13px; color: var(--muted); margin-bottom: 16px; flex-wrap: wrap; }
.breadcrumb a { color: var(--brand-pressed); font-weight: 600; }
.breadcrumb a:hover { color: var(--brand-green); }
.breadcrumb span { opacity: .55; }

.prose { max-width: 760px; }
.prose h2 { font-size: clamp(22px, 2.6vw, 28px); margin: 44px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 18px; font-family: var(--font-display); font-weight: 700; color: var(--fg); margin: 26px 0 8px; }
.prose p { color: var(--text); margin-bottom: 14px; line-height: 1.65; }
.prose ul.bullets { list-style: disc; padding-left: 22px; margin: 0 0 16px; color: var(--text); }
.prose ul.bullets li { margin-bottom: 8px; }
.prose .updated { font-size: 13px; color: var(--muted); margin-bottom: 8px; }

/* ── forms ── */
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label { font-size: 14px; font-weight: 600; color: var(--text); }
.field .hint { font-size: 12.5px; color: var(--muted); }
.input, .textarea, select.input { width: 100%; padding: 12px 14px; border: 1.5px solid var(--border-strong); border-radius: var(--r-md); background: var(--surface); color: var(--fg); font: inherit; font-size: 15px; }
.input::placeholder, .textarea::placeholder { color: color-mix(in oklch, var(--muted) 78%, transparent); }
.input:focus, .textarea:focus, select.input:focus { border-color: var(--brand-green); outline: none; box-shadow: 0 0 0 3px color-mix(in oklch, var(--brand-green) 14%, transparent); }
.textarea { min-height: 120px; resize: vertical; line-height: 1.55; }
.form-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
@media (max-width: 620px) { .form-2 { grid-template-columns: 1fr; } }
.check-row { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 16px; font-size: 14px; color: var(--text); }
.check-row input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--brand-green); flex: none; }
.err { color: var(--error); font-size: 12.5px; display: none; margin-top: 4px; }
.err.show { display: block; }

/* ── auth card ── */
.auth-wrap { max-width: 460px; margin: 0 auto; }
.auth-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--shadow-2); padding: clamp(28px, 4vw, 40px); }

/* ── notice / callout ── */
.notice { display: flex; gap: 10px; background: var(--mint); border-radius: var(--r-lg); padding: 16px 18px; font-size: 13.5px; color: var(--text); line-height: 1.5; }
.notice svg { width: 18px; height: 18px; color: var(--info); flex: none; margin-top: 1px; }
.notice.warn { background: color-mix(in oklch, var(--warning) 12%, var(--surface)); }
.notice.warn svg { color: var(--warning); }
.notice strong { color: var(--fg); }
/* unresolved content marker on light surfaces — the footer overrides this */
.placeholder { color: var(--warning); font-weight: 600; }
.link-strong { color: var(--brand-pressed); font-weight: 600; }
.link-strong:hover { color: var(--brand-green); }

/* ── faq categories + contact ── */
.faq-cat { font-family: var(--font-display); font-weight: 700; font-size: 14px; color: var(--brand-pressed); text-transform: uppercase; letter-spacing: .05em; margin: 34px 0 2px; }
.faq-cat:first-child { margin-top: 0; }
.contact-methods li { display: flex; gap: 14px; align-items: flex-start; padding: 16px 0; border-top: 1px solid var(--border); }
.contact-methods li:first-child { border-top: 0; }
.contact-methods .ico { width: 42px; height: 42px; border-radius: var(--r-md); background: var(--mint); display: grid; place-items: center; flex: none; }
.contact-methods .ico svg { width: 20px; height: 20px; color: var(--brand-green); }
.contact-methods strong { display: block; font-size: 15px; color: var(--fg); }
.contact-methods span { font-size: 13.5px; color: var(--muted); }

/* ── value stat (no invented numbers — used for principles, not metrics) ── */
.value-num { font-family: var(--font-display); font-weight: 800; font-size: 34px; color: var(--brand-green); line-height: 1; }
.ordered-steps { counter-reset: step; }
.ordered-steps li { position: relative; padding: 4px 0 20px 52px; }
.ordered-steps li::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0; width: 34px; height: 34px; border-radius: var(--r-full); background: var(--mint); color: var(--brand-pressed); font-family: var(--font-display); font-weight: 800; display: grid; place-items: center; font-size: 15px; }
.ordered-steps li strong { display: block; font-size: 16px; color: var(--fg); margin-bottom: 3px; }
.ordered-steps li p { font-size: 14px; color: var(--muted); }

/* ─────────────────────────────────────────────────────────────────────
   IMAGERY
   ───────────────────────────────────────────────────────────────────── */
/* full-bleed photographic band */
.img-band { position: relative; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-1); }
.img-band img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 16 / 7; }
@media (max-width: 767px) { .img-band img { aspect-ratio: 4 / 3; } }

/* caption card over a photo — pinned to ONE corner, inside the bounds,
   on a real surface, clear of the subject */
.img-caption {
  position: absolute; left: 24px; bottom: 24px; right: auto;
  max-width: min(380px, calc(100% - 48px));
  background: var(--surface); border-radius: var(--r-lg);
  padding: 18px 22px; box-shadow: var(--shadow-2);
}
.img-caption strong { display: block; font-family: var(--font-display); font-weight: 700; font-size: 17px; color: var(--fg); margin-bottom: 4px; }
.img-caption span { font-size: 13.5px; color: var(--muted); line-height: 1.45; }
@media (max-width: 639px) {
  .img-caption { left: 14px; right: 14px; bottom: 14px; max-width: none; padding: 14px 16px; }
}

/* pre-footer band — photo with a forest scrim, text sits on top */
.prefooter { position: relative; overflow: hidden; background: var(--forest); }
.prefooter img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.prefooter::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(90deg,
    color-mix(in oklch, var(--forest) 92%, transparent) 0%,
    color-mix(in oklch, var(--forest) 82%, transparent) 45%,
    color-mix(in oklch, var(--forest) 58%, transparent) 100%);
}
.prefooter .container { position: relative; z-index: 1; padding-block: clamp(56px, 8vw, 104px); }
.prefooter .eyebrow { color: var(--lime); }
.prefooter h2 { color: var(--white); max-width: 20ch; margin-bottom: 14px; }
.prefooter .lead { color: color-mix(in oklch, var(--white) 78%, transparent); max-width: 52ch; margin-bottom: 28px; }
.prefooter .hero-cta { margin-bottom: 0; }
.prefooter .btn-secondary { background: transparent; color: var(--white); border-color: color-mix(in oklch, var(--white) 36%, transparent); }
.prefooter .btn-secondary:hover { border-color: var(--white); color: var(--white); }

/* image + copy, two-up */
.img-split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--gap-2xl); align-items: center; }
.img-split .shot { border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-1); }
.img-split .shot img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 3 / 2; display: block; }
@media (max-width: 920px) { .img-split { grid-template-columns: 1fr; gap: var(--gap-lg); } }

/* ─────────────────────────────────────────────────────────────────────
   LEGAL PAGES — section index, at-a-glance summary, numbered clauses
   ───────────────────────────────────────────────────────────────────── */
.legal-wrap { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: var(--gap-2xl); align-items: start; }
@media (max-width: 1023px) { .legal-wrap { grid-template-columns: 1fr; gap: var(--gap-lg); } }

.legal-index { position: sticky; top: 96px; }
.legal-index h4 { font-size: 11px; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); font-family: var(--font-body); font-weight: 600; margin-bottom: 12px; }
.legal-index a { display: block; padding: 7px 0 7px 14px; font-size: 13.5px; line-height: 1.4; color: var(--muted); border-left: 2px solid var(--border); }
.legal-index a:hover { color: var(--brand-pressed); border-left-color: var(--border-strong); }
.legal-index a.is-on { color: var(--brand-pressed); font-weight: 600; border-left-color: var(--brand-green); }
@media (max-width: 1023px) {
  .legal-index { position: static; border: 1px solid var(--border); border-radius: var(--r-lg); background: var(--surface); padding: 16px 18px; }
  .legal-index .idx-links { display: flex; flex-wrap: wrap; gap: 4px 8px; }
  .legal-index a { border-left: 0; padding: 6px 11px; background: var(--surface-muted); border-radius: var(--r-full); font-size: 13px; }
  .legal-index a.is-on { background: var(--mint); }
}

.at-a-glance { background: var(--mint); border-radius: var(--r-xl); padding: clamp(22px, 3vw, 30px); margin-bottom: 40px; }
.at-a-glance h2 { font-size: clamp(19px, 2vw, 22px); margin-bottom: 4px; }
.at-a-glance .caveat { font-size: 13px; color: var(--brand-pressed); font-weight: 600; margin-bottom: 18px; }
.at-a-glance dl { margin: 0; display: grid; gap: 12px; }
.at-a-glance .row { display: grid; grid-template-columns: 170px minmax(0,1fr); gap: 14px; align-items: baseline; padding-bottom: 12px; border-bottom: 1px solid color-mix(in oklch, var(--brand-green) 16%, transparent); }
.at-a-glance .row:last-child { border-bottom: 0; padding-bottom: 0; }
.at-a-glance dt { font-size: 13.5px; font-weight: 600; color: var(--brand-pressed); }
.at-a-glance dd { margin: 0; font-size: 14.5px; color: var(--text); line-height: 1.5; }
@media (max-width: 559px) { .at-a-glance .row { grid-template-columns: 1fr; gap: 3px; } }

/* the clauses a reader actually needs — pulled out of the wall of text */
.key-clauses { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap-md); margin: 8px 0 40px; }
@media (max-width: 920px) { .key-clauses { grid-template-columns: 1fr; } }
.key-clause { background: var(--surface); border: 1px solid var(--border-strong); border-radius: var(--r-lg); padding: 22px; }
.key-clause .ico { width: 38px; height: 38px; border-radius: var(--r-md); background: var(--mint); display: grid; place-items: center; margin-bottom: 14px; }
.key-clause .ico svg { width: 19px; height: 19px; color: var(--brand-green); }
.key-clause h3 { font-size: 16px; font-family: var(--font-body); font-weight: 700; margin-bottom: 6px; }
.key-clause p { font-size: 14px; color: var(--muted); line-height: 1.5; }
.key-clause a { display: inline-block; margin-top: 10px; font-size: 13px; font-weight: 600; color: var(--brand-pressed); }

.clause h2 { scroll-margin-top: 100px; }
.clause-no { font-family: var(--font-money); font-variant-numeric: tabular-nums; color: var(--brand-green); margin-right: 10px; }
.prose .sub-clause { display: grid; grid-template-columns: 42px minmax(0,1fr); gap: 10px; margin-bottom: 12px; }
.prose .sub-clause .n { font-family: var(--font-money); font-variant-numeric: tabular-nums; font-weight: 700; color: var(--muted); font-size: 14px; }
.updated-meta { display: inline-flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--muted); background: var(--surface-muted); border-radius: var(--r-full); padding: 6px 14px; margin-bottom: 20px; }
.updated-meta svg { width: 15px; height: 15px; }

/* ─────────────────────────────────────────────────────────────────────
   ESCALATION LADDER (complaints)
   ───────────────────────────────────────────────────────────────────── */
.ladder { counter-reset: rung; display: grid; gap: 0; }
.ladder li { position: relative; display: grid; grid-template-columns: 54px minmax(0,1fr); gap: 20px; padding: 0 0 32px; }
.ladder li:last-child { padding-bottom: 0; }
.ladder li::before { counter-increment: rung; content: counter(rung); width: 44px; height: 44px; border-radius: var(--r-full); background: var(--surface); border: 2px solid var(--brand-green); color: var(--brand-pressed); font-family: var(--font-display); font-weight: 800; font-size: 17px; display: grid; place-items: center; position: relative; z-index: 1; }
.ladder li::after { content: ''; position: absolute; left: 21px; top: 46px; bottom: 6px; width: 2px; background: repeating-linear-gradient(180deg, var(--border-strong) 0 6px, transparent 6px 12px); }
.ladder li:last-child::after { display: none; }
.ladder h3 { font-size: 17px; margin-bottom: 6px; }
.ladder p { font-size: 14.5px; color: var(--muted); line-height: 1.55; }
.ladder .when { display: inline-flex; align-items: center; gap: 7px; margin-top: 10px; font-size: 12.5px; font-weight: 600; color: var(--brand-pressed); background: var(--mint); border-radius: var(--r-full); padding: 5px 12px; }
.ladder .when svg { width: 14px; height: 14px; }

/* ─────────────────────────────────────────────────────────────────────
   AUTH (login / verification / password reset)
   ───────────────────────────────────────────────────────────────────── */
.auth-split { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,.85fr); gap: var(--gap-2xl); align-items: center; }
/* mobile: the form leads — the trust panel follows it, never pushes it below the fold */
@media (max-width: 1023px) { .auth-split { grid-template-columns: 1fr; gap: var(--gap-xl); } }

/* dark trust panel beside the form */
.auth-aside { background: var(--forest); border-radius: var(--r-xl); padding: clamp(28px, 4vw, 44px); color: color-mix(in oklch, var(--white) 82%, transparent); }
.auth-aside .eyebrow { color: var(--lime); }
.auth-aside h2 { color: var(--white); font-size: clamp(22px, 2.4vw, 28px); margin-bottom: 12px; }
.auth-aside p.lead { color: color-mix(in oklch, var(--white) 72%, transparent); font-size: 16px; }

/* password field with reveal toggle */
.pw-wrap { position: relative; display: block; }
.pw-wrap .input { padding-right: 52px; }
.pw-toggle { position: absolute; top: 50%; right: 6px; transform: translateY(-50%); width: 40px; height: 40px; display: grid; place-items: center; background: transparent; border: 0; border-radius: var(--r-md); color: var(--muted); }
.pw-toggle:hover { color: var(--brand-green); background: var(--mint); }
.pw-toggle svg { width: 20px; height: 20px; }
.pw-toggle .eye-off { display: none; }
.pw-toggle.revealed .eye-on { display: none; }
.pw-toggle.revealed .eye-off { display: block; }

/* label row (label + inline helper link) */
.label-row { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.label-row a { font-size: 13px; }

/* inline alert (failed sign-in, info) */
.alert { display: flex; gap: 10px; align-items: flex-start; border-radius: var(--r-md); padding: 12px 14px; font-size: 13.5px; line-height: 1.45; margin-bottom: 18px; }
.alert svg { width: 18px; height: 18px; flex: none; margin-top: 1px; }
.alert-error { background: color-mix(in oklch, var(--error) 10%, var(--surface)); color: var(--fg); border: 1px solid color-mix(in oklch, var(--error) 32%, transparent); }
.alert-error svg { color: var(--error); }
.alert-info { background: var(--mint); color: var(--text); }
.alert-info svg { color: var(--info); }
.alert[hidden] { display: none; }

/* auth steps (credentials → verification) */
.auth-step[hidden] { display: none; }
.step-dots { display: flex; align-items: center; justify-content: center; gap: 8px; margin-bottom: 20px; }
.step-dots i { width: 28px; height: 4px; border-radius: var(--r-full); background: var(--border-strong); display: block; }
.step-dots i.on { background: var(--brand-green); }

/* one-time PIN inputs */
.otp-row { display: flex; gap: 10px; justify-content: space-between; margin-bottom: 8px; }
.otp-input { width: 100%; aspect-ratio: 1/1.15; max-width: 56px; text-align: center; font-family: var(--font-money); font-weight: 800; font-variant-numeric: tabular-nums; font-size: 22px; color: var(--fg); background: var(--surface); border: 1.5px solid var(--border-strong); border-radius: var(--r-md); }
.otp-input:focus { border-color: var(--brand-green); outline: none; box-shadow: 0 0 0 3px color-mix(in oklch, var(--brand-green) 14%, transparent); }
.otp-input.filled { border-color: var(--brand-green); background: var(--mint); }
.resend { font-size: 13px; color: var(--muted); text-align: center; margin-top: 14px; }
.resend button { background: transparent; border: 0; padding: 0; font-weight: 600; color: var(--brand-pressed); }
.resend button:hover:enabled { color: var(--brand-green); }
.resend button:disabled { color: var(--muted); cursor: default; font-weight: 400; }

/* success state */
.auth-done { text-align: center; }
.auth-done .tick { width: 60px; height: 60px; border-radius: var(--r-full); background: var(--mint); display: grid; place-items: center; margin: 0 auto 18px; }
.auth-done .tick svg { width: 30px; height: 30px; color: var(--brand-green); }
.auth-done p { color: var(--muted); margin: 8px auto 0; max-width: 40ch; }

/* back link inside auth card */
.auth-back { display: inline-flex; align-items: center; gap: 6px; background: transparent; border: 0; padding: 0; font-size: 13.5px; font-weight: 600; color: var(--brand-pressed); margin-bottom: 16px; }
.auth-back:hover { color: var(--brand-green); }
.auth-back svg { width: 16px; height: 16px; }