/* ============================================================
   SmartMemberHub design system — "consumer ledger"
   Palette, type and the dated-rate-chip system are the identity:
   monospace tabular figures, dotted-leader breakdowns, every
   price carrying an as-of date. Independent indigo/emerald only —
   deliberately nothing resembling Amazon's orange/black.
   ============================================================ */
:root{
  --ink:#0f172a; --ink-2:#334155; --ink-3:#5b6779;
  --paper:#ffffff; --paper-2:#f7f8fc; --paper-3:#eef1f8;
  --line:#e4e7ee; --line-2:#d5dae4;
  --indigo:#4f46e5; --indigo-hover:#4338ca; --indigo-deep:#3730a3;
  --indigo-soft:#eef2ff; --indigo-line:#dbe1ff;
  --emerald:#10b981; --emerald-deep:#047857; --emerald-ink:#065f46; --emerald-soft:#ecfdf5; --emerald-line:#bbe9d6;
  --amber-ink:#92400e; --amber-soft:#fffbeb; --amber-line:#f3e3b3;
  --mono:ui-monospace,"SF Mono","Cascadia Mono","Roboto Mono",Menlo,Consolas,monospace;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --r:14px; --r-lg:20px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.05);
  --shadow-md:0 14px 40px -18px rgba(15,23,42,.25);
  --bar-h:96px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--sans);font-size:16.5px;line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img,svg{display:block;max-width:100%}
a{color:var(--indigo-deep);text-decoration-thickness:1px;text-underline-offset:3px}
h1,h2,h3,h4{line-height:1.18;margin:0;letter-spacing:-.025em;font-weight:800}
p{margin:0 0 1em}
.wrap{max-width:1140px;margin-inline:auto;padding-inline:22px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:.7rem 1.1rem;border-radius:0 0 12px 0;z-index:100;font-weight:600}
.skip-link:focus{left:0}
:focus-visible{outline:3px solid rgba(79,70,229,.5);outline-offset:2px;border-radius:6px}
::selection{background:var(--indigo-soft)}

/* ---------- chips & buttons ---------- */
.chip{display:inline-flex;align-items:center;gap:.4rem;font-size:.72rem;font-weight:700;letter-spacing:.03em;padding:.24rem .6rem;border-radius:999px;background:var(--indigo-soft);color:var(--indigo-deep);border:1px solid var(--indigo-line);white-space:nowrap}
.chip-em{background:var(--emerald-soft);color:var(--emerald-ink);border-color:var(--emerald-line)}
.chip-amber{background:var(--amber-soft);color:var(--amber-ink);border-color:var(--amber-line)}
.chip-date{font-family:var(--mono);font-size:.68rem;font-weight:600;background:var(--paper-3);color:var(--ink-2);border-color:var(--line-2);letter-spacing:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;background:var(--indigo);color:#fff;font:inherit;font-weight:700;font-size:1rem;padding:.9rem 1.5rem;border-radius:12px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s ease,transform .15s ease,box-shadow .15s ease;box-shadow:var(--shadow-sm)}
.btn:hover{background:var(--indigo-hover);transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn:active{transform:translateY(0)}
.btn-ghost{background:var(--indigo-soft);color:var(--indigo-deep);border-color:var(--indigo-line)}
.btn-ghost:hover{background:#e4e9ff}
.btn-em{background:var(--emerald-deep)}
.btn-em:hover{background:var(--emerald-ink)}

/* ---------- top chrome: sticky disclosure bar + header ---------- */
.top-chrome{position:sticky;top:0;z-index:60}
.compliance-bar{background:#111827;color:#f9fafb;font-size:.8rem;line-height:1.45;text-align:center;padding:.42rem 1rem .46rem}
.compliance-bar strong{font-weight:700;color:#fff}
.site-header{background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:64px}
.brand{display:flex;flex-direction:column;gap:1px;text-decoration:none;color:var(--ink);padding-block:10px}
.brand-mark{display:flex;align-items:center;gap:.6rem}
.brand-mark svg{flex:none}
.brand-name{font-size:1.28rem;font-weight:800;letter-spacing:-.03em}
.brand-name .n2{color:var(--indigo)}
.brand-tagline{font-size:.68rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3)}
.primary-nav{display:flex;align-items:center;gap:.25rem}
.primary-nav a{font-size:.86rem;font-weight:600;color:var(--ink-2);text-decoration:none;padding:.55rem .8rem;border-radius:10px;white-space:nowrap}
.primary-nav a:hover{color:var(--indigo-deep);background:var(--indigo-soft)}
.primary-nav a .n-badge{display:inline-block;font-family:var(--mono);font-size:.68rem;font-weight:600;color:var(--emerald-ink);background:var(--emerald-soft);border-radius:6px;padding:.05rem .35rem;margin-left:.3rem;vertical-align:1px}
.menu-btn{display:none;align-items:center;gap:.5rem;background:none;border:1px solid var(--line-2);border-radius:10px;padding:.5rem .8rem;font:inherit;font-weight:600;font-size:.85rem;color:var(--ink-2);cursor:pointer}
.nav-panel{display:none}
@media (max-width:1010px){
  .primary-nav{display:none}
  .menu-btn{display:inline-flex}
  .nav-panel{display:none;position:absolute;inset:100% 0 auto 0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md);padding:.6rem 1.2rem 1.2rem}
  body.nav-open .nav-panel{display:block}
  .nav-panel a{display:block;padding:.8rem .4rem;font-weight:600;color:var(--ink-2);text-decoration:none;border-bottom:1px solid var(--paper-3)}
  .nav-panel a:last-child{border-bottom:0}
  .nav-panel a:hover{color:var(--indigo-deep)}
}

/* ---------- hero ---------- */
.hero{position:relative;background:
  radial-gradient(1100px 480px at 15% -10%,rgba(79,70,229,.10),transparent 60%),
  radial-gradient(900px 420px at 95% 0%,rgba(16,185,129,.10),transparent 55%),
  var(--paper);
  border-bottom:1px solid var(--line);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:3.5rem;align-items:center;padding-block:64px 72px}
.hero h1{font-size:clamp(2.15rem,4.6vw,3.35rem);letter-spacing:-.035em;margin:1.1rem 0 1.15rem}
.hero h1 .u{position:relative;white-space:nowrap}
.hero h1 .u::after{content:"";position:absolute;left:0;right:0;bottom:.08em;height:.16em;background:linear-gradient(90deg,var(--indigo),var(--emerald));border-radius:99px;opacity:.85}
.hero-sub{font-size:1.13rem;color:var(--ink-2);max-width:34rem;margin-bottom:1.7rem}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center}
.hero-trust{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.6rem}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-md);padding:1.5rem 1.6rem 1.3rem;max-width:26rem;justify-self:end;width:100%}
.receipt{font-variant-numeric:tabular-nums}
.receipt-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;border-bottom:2px solid var(--ink);padding-bottom:.7rem;margin-bottom:.35rem}
.receipt-head h2{font-size:1rem;letter-spacing:.02em}
.receipt-row{display:flex;align-items:baseline;gap:.6rem;padding:.5rem 0}
.receipt-row .lbl{font-size:.9rem;color:var(--ink-2)}
.receipt-row .dots{flex:1;border-bottom:2px dotted var(--line-2);transform:translateY(-.28em)}
.receipt-row .val{font-family:var(--mono);font-size:.92rem;font-weight:700;color:var(--ink)}
.receipt-row .val.pos{color:var(--emerald-deep)}
.receipt-row .val .was{text-decoration:line-through;color:var(--ink-3);font-weight:500;margin-right:.35rem}
.receipt-total{display:flex;justify-content:space-between;align-items:center;gap:1rem;border-top:2px solid var(--ink);margin-top:.4rem;padding-top:.8rem}
.receipt-total .t-lbl{font-weight:800;font-size:.95rem}
.receipt-total .t-val{font-family:var(--mono);font-weight:700;font-size:1.35rem;color:var(--emerald-deep)}
.receipt-foot{margin-top:.85rem;padding-top:.7rem;border-top:1px dashed var(--line-2);display:flex;flex-wrap:wrap;gap:.4rem}

/* ---------- section shells ---------- */
section{scroll-margin-top:calc(var(--bar-h) + 8px)}
.section{padding-block:72px}
.section-alt{background:var(--paper-2);border-block:1px solid var(--line)}
.section-head{max-width:44rem;margin-bottom:2.4rem}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--indigo-deep);margin-bottom:.8rem}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:99px;background:linear-gradient(90deg,var(--indigo),var(--emerald))}
.section-head h2{font-size:clamp(1.55rem,3vw,2.15rem);margin-bottom:.7rem}
.section-head p{color:var(--ink-2);font-size:1.03rem;margin:0}

/* ---------- calculator ---------- */
.calc-shell{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-md);overflow:hidden}
.calc-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr)}
.calc-form{padding:2rem 2.2rem;border-right:1px solid var(--line)}
.calc-out{padding:2rem 2.2rem;background:linear-gradient(180deg,#fbfcff, var(--paper-2));display:flex;flex-direction:column}
.fieldset{border:0;margin:0 0 1.6rem;padding:0}
.fieldset legend{font-weight:800;font-size:.95rem;margin-bottom:.6rem;padding:0;letter-spacing:-.01em}
.fieldset .hint{font-size:.8rem;color:var(--ink-3);font-weight:500;margin:.1rem 0 .7rem}
.toggle-row{display:flex;gap:.7rem}
.toggle-opt{position:relative;flex:1}
.toggle-opt input{position:absolute;inset:0;opacity:0;cursor:pointer}
.toggle-opt label{display:flex;flex-direction:column;align-items:center;gap:.1rem;border:1.5px solid var(--line-2);border-radius:12px;padding:.7rem .5rem;font-weight:700;font-size:.92rem;color:var(--ink-2);cursor:pointer;transition:all .15s ease;text-align:center}
.toggle-opt label small{font-weight:500;font-size:.72rem;color:var(--ink-3)}
.toggle-opt input:checked + label{border-color:var(--indigo);background:var(--indigo-soft);color:var(--indigo-deep);box-shadow:0 0 0 1px var(--indigo)}
.toggle-opt input:focus-visible + label{outline:3px solid rgba(79,70,229,.5);outline-offset:2px}
.slider-row{display:flex;align-items:center;gap:1rem}
.slider-row input[type=range]{flex:1;accent-color:var(--indigo);height:1.6rem;cursor:pointer}
.slider-val{font-family:var(--mono);font-weight:700;font-size:.9rem;background:var(--paper-3);border:1px solid var(--line-2);border-radius:8px;padding:.3rem .6rem;min-width:5.4rem;text-align:center;white-space:nowrap}
.check-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(10.5rem,1fr));gap:.55rem}
.check-opt{display:flex;align-items:center;gap:.55rem;border:1.5px solid var(--line-2);border-radius:10px;padding:.55rem .7rem;font-size:.9rem;font-weight:600;color:var(--ink-2);cursor:pointer;transition:all .15s ease}
.check-opt:hover{border-color:var(--indigo)}
.check-opt input{accent-color:var(--emerald-deep);width:1.05rem;height:1.05rem;cursor:pointer;flex:none}
.check-opt:has(input:checked){border-color:var(--emerald-deep);background:var(--emerald-soft);color:var(--emerald-ink)}
.check-opt .price-hint{margin-left:auto;font-family:var(--mono);font-size:.7rem;color:var(--ink-3);font-weight:500}
.calc-cta{margin-top:.4rem}
.calc-note{font-size:.78rem;color:var(--ink-3);margin-top:.9rem;line-height:1.5}
.out-top{display:flex;align-items:baseline;justify-content:space-between;gap:1rem;border-bottom:2px solid var(--ink);padding-bottom:.75rem}
.out-top .o-lbl{font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3)}
.big-num{font-family:var(--mono);font-size:clamp(2.3rem,4vw,3rem);font-weight:700;letter-spacing:-.02em;color:var(--emerald-deep);font-variant-numeric:tabular-nums;line-height:1.05}
.big-num .per{font-size:1rem;color:var(--ink-3);font-weight:500;font-family:var(--sans)}
.big-num.neg,.out-total .t-val.neg{color:var(--amber-ink)}
.out-sub{font-size:.86rem;color:var(--ink-2);margin:.8rem 0 1.1rem}
.break-row{display:flex;align-items:baseline;gap:.6rem;padding:.55rem 0}
.break-row .lbl{font-size:.9rem;color:var(--ink-2)}
.break-row .dots{flex:1;border-bottom:2px dotted var(--line-2);transform:translateY(-.3em)}
.break-row .val{font-family:var(--mono);font-size:.92rem;font-weight:700;font-variant-numeric:tabular-nums}
.break-row .val.pos{color:var(--emerald-deep)}
.break-row .val.zero{color:var(--ink-3);font-weight:500}
.break-row .val small{display:block;font-family:var(--sans);font-size:.7rem;color:var(--ink-3);font-weight:500;text-align:right}
.out-total{display:flex;justify-content:space-between;align-items:center;gap:1rem;border-top:2px solid var(--ink);margin-top:.7rem;padding-top:.9rem}
.out-total .t-lbl{font-weight:800}
.out-total .t-val{font-family:var(--mono);font-weight:700;font-size:1.6rem;color:var(--emerald-deep)}
.trial-note{display:flex;gap:.55rem;align-items:flex-start;background:var(--emerald-soft);border:1px solid var(--emerald-line);color:var(--emerald-ink);border-radius:10px;padding:.65rem .8rem;font-size:.8rem;line-height:1.5;margin-top:1rem}
.assume{margin-top:1rem;border:1px solid var(--line-2);border-radius:12px;background:#fff}
.assume summary{cursor:pointer;font-weight:700;font-size:.85rem;padding:.75rem 1rem;color:var(--ink-2);list-style:none;display:flex;align-items:center;gap:.5rem}
.assume summary::before{content:"+";font-family:var(--mono);color:var(--indigo);font-weight:700}
.assume[open] summary::before{content:"–"}
.assume .assume-body{padding:.2rem 1rem 1rem;font-size:.78rem;color:var(--ink-2);line-height:1.6}
.assume table{width:100%;border-collapse:collapse;font-family:var(--mono);font-size:.74rem}
.assume td{padding:.22rem 0;border-bottom:1px dashed var(--line);vertical-align:top}
.assume td:last-child{text-align:right;font-weight:700}
.eligible-warn{display:none;background:var(--amber-soft);border:1px solid var(--amber-line);color:var(--amber-ink);border-radius:10px;padding:.75rem .9rem;font-size:.84rem;line-height:1.55;margin-top:1rem}
.eligible-warn.show{display:block}
.net-row{display:none}
.net-row.show{display:flex}

/* ---------- guides grid ---------- */
.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.4rem}
.guide-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:1.6rem;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .18s ease;color:inherit;text-decoration:none}
.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.guide-icon{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;margin-bottom:1.1rem}
.guide-icon.i1{background:var(--indigo-soft);color:var(--indigo)}
.guide-icon.i2{background:var(--emerald-soft);color:var(--emerald-deep)}
.guide-icon.i3{background:var(--paper-3);color:var(--ink-2)}
.guide-card h3{font-size:1.13rem;letter-spacing:-.02em;margin:.75rem 0 .55rem;line-height:1.3}
.guide-card p{font-size:.92rem;color:var(--ink-2);margin:0 0 1rem;flex:1}
.guide-link{font-weight:700;font-size:.9rem;color:var(--indigo-deep);display:inline-flex;align-items:center;gap:.35rem}
.guide-card:hover .guide-link{text-decoration:underline}

/* ---------- article template ---------- */
.article-head{padding-block:56px 34px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--indigo-soft),transparent)}
.breadcrumb{font-size:.8rem;color:var(--ink-3);margin-bottom:1.1rem}
.breadcrumb a{color:var(--ink-3)}
.article-head h1{font-size:clamp(1.9rem,3.6vw,2.7rem);max-width:52rem;margin:1rem 0 1.1rem;letter-spacing:-.03em}
.byline{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center;font-size:.82rem;color:var(--ink-3)}
.byline b{color:var(--ink-2)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:0;padding-block:44px 72px}
@media (min-width:1060px){
  .article-grid{grid-template-columns:240px minmax(0,1fr);gap:3.6rem}
}
.disclosure-box{display:flex;gap:.9rem;background:var(--amber-soft);border:1px solid var(--amber-line);border-left:4px solid #d97706;border-radius:12px;padding:1rem 1.2rem;font-size:.87rem;line-height:1.6;color:var(--amber-ink);margin-bottom:2.2rem}
.disclosure-box svg{flex:none;margin-top:.15rem;color:#b45309}
.disclosure-box p{margin:0}
.disclosure-box a{color:var(--amber-ink)}
.toc{display:none}
@media (min-width:1060px){
  .toc{display:block;position:sticky;top:calc(var(--bar-h) + 24px);align-self:start}
  .toc:not(.mobile-toc){display:block}
}
.mobile-toc{display:block;margin-bottom:2.2rem}
@media (min-width:1060px){.mobile-toc{display:none}}
.toc-card{border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:var(--shadow-sm)}
.toc-card .toc-title{font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);padding:.9rem 1.1rem .55rem}
.toc-card ol{list-style:none;margin:0;padding:0 0 .7rem;counter-reset:toc}
.toc-card a{counter-increment:toc;display:flex;gap:.55rem;font-size:.84rem;color:var(--ink-2);text-decoration:none;padding:.42rem 1.1rem;border-left:3px solid transparent;line-height:1.4}
.toc-card a::before{content:counter(toc,decimal-leading-zero);font-family:var(--mono);font-size:.72rem;color:var(--ink-3);padding-top:.15rem}
.toc-card a:hover{color:var(--indigo-deep);background:var(--indigo-soft)}
.toc-card a.active{color:var(--indigo-deep);border-left-color:var(--indigo);font-weight:700;background:var(--indigo-soft)}
.prose{max-width:74ch}
.prose h2{font-size:1.55rem;margin:2.6rem 0 1rem;padding-top:.2rem;letter-spacing:-.025em}
.prose h2 .h-anchor{color:var(--indigo);text-decoration:none}
.prose h3{font-size:1.13rem;margin:1.8rem 0 .6rem}
.prose p,.prose li{color:var(--ink-2)}
.prose ul,.prose ol{padding-left:1.3rem;margin:0 0 1.1em}
.prose li{margin-bottom:.45em}
.prose strong{color:var(--ink)}
.verdict{display:flex;gap:1rem;background:var(--emerald-soft);border:1px solid var(--emerald-line);border-radius:var(--r);padding:1.2rem 1.3rem;margin:0 0 2.2rem}
.verdict .v-mark{flex:none;width:38px;height:38px;border-radius:50%;background:#fff;border:1px solid var(--emerald-line);display:grid;place-items:center;color:var(--emerald-deep)}
.verdict p{margin:0;font-size:.95rem;color:var(--emerald-ink)}
.verdict p b{color:var(--emerald-ink)}

/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-sm);margin:0 0 .8rem;background:#fff}
table.compare{width:100%;border-collapse:collapse;font-size:.9rem;min-width:560px}
table.compare caption{text-align:left;padding:.95rem 1.1rem .2rem;font-weight:800;font-size:.95rem;color:var(--ink)}
table.compare th,table.compare td{padding:.7rem 1.1rem;text-align:left;border-top:1px solid var(--line);vertical-align:top}
table.compare thead th{border-top:0;background:var(--paper-2);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3)}
table.compare thead th.hl{background:var(--emerald-soft);color:var(--emerald-ink)}
table.compare td.rowlabel{font-weight:700;color:var(--ink);width:30%}
table.compare td.hl{background:var(--emerald-soft)}
table.compare .mono{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:700}
.rate-note{font-size:.78rem;color:var(--ink-3);line-height:1.55;margin:0 0 1.8rem}
.rate-note b{color:var(--amber-ink)}

/* pros & cons */
.pc-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin:0 0 2rem}
@media (max-width:640px){.pc-grid{grid-template-columns:1fr}}
.pc-col{border:1px solid var(--line);border-radius:var(--r);padding:1.2rem 1.3rem;background:#fff}
.pc-col.pros{border-color:var(--emerald-line);background:var(--emerald-soft)}
.pc-col h3{font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.85rem}
.pc-col.pros h3{color:var(--emerald-ink)}
.pc-col.cons h3{color:var(--ink-2)}
.pc-col ul{list-style:none;padding:0;margin:0}
.pc-col li{display:flex;gap:.6rem;font-size:.9rem;margin-bottom:.6rem;color:var(--ink-2)}
.pc-col li svg{flex:none;margin-top:.18rem}
.pc-col.pros li svg{color:var(--emerald-deep)}
.pc-col.cons li svg{color:var(--ink-3)}

/* steps */
.steps{list-style:none;counter-reset:step;margin:0 0 1rem;padding:0}
.steps li{counter-increment:step;position:relative;padding:0 0 1.6rem 3.4rem;border-left:2px solid var(--line);margin-left:1.1rem}
.steps li:last-child{border-left-color:transparent;padding-bottom:.3rem}
.steps li::before{content:counter(step);position:absolute;left:-1.25rem;top:-.2rem;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--indigo);color:#fff;font-family:var(--mono);font-weight:700;display:grid;place-items:center;box-shadow:0 0 0 4px var(--paper)}
.steps li h3{font-size:1.02rem;margin:0 0 .4rem;padding-top:.2rem}
.steps li p{font-size:.93rem;margin-bottom:.5rem}
.steps .mini-note{font-size:.78rem;color:var(--ink-3);background:var(--paper-2);border:1px dashed var(--line-2);border-radius:8px;padding:.5rem .7rem;line-height:1.5}

/* compliant CTA card */
.cta-card{border:1px solid var(--indigo-line);background:linear-gradient(180deg,var(--indigo-soft),#fff);border-radius:var(--r-lg);padding:1.8rem;text-align:center;margin:2.2rem 0}
.cta-card h3{font-size:1.15rem;margin-bottom:.5rem}
.cta-card p{font-size:.9rem;color:var(--ink-2);max-width:38rem;margin:0 auto 1.2rem}
.cta-disclaimer{font-size:.74rem;color:var(--ink-3);margin-top:.85rem;line-height:1.5}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:.7rem;overflow:hidden}
.faq summary{cursor:pointer;font-weight:700;font-size:.97rem;padding:.95rem 1.15rem;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--mono);font-size:1.2rem;color:var(--indigo);font-weight:400;transition:transform .15s}
.faq details[open] summary::after{content:"–"}
.faq .faq-a{padding:0 1.15rem 1.05rem;font-size:.9rem;color:var(--ink-2)}
.faq .faq-a p{margin:0}

/* PA-API placeholder */
.papi-placeholder{border:2px dashed var(--line-2);border-radius:var(--r);background:var(--paper-2);padding:1.4rem 1.5rem;margin:2.4rem 0;text-align:center}
.papi-placeholder .ph-tag{font-family:var(--mono);font-size:.7rem;letter-spacing:.08em;color:var(--ink-3);border:1px solid var(--line-2);border-radius:6px;padding:.15rem .5rem;background:#fff;display:inline-block;margin-bottom:.6rem}
.papi-placeholder p{font-size:.84rem;color:var(--ink-3);margin:0;max-width:40rem;margin-inline:auto}
.papi-slots{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem;margin-top:1.1rem}
.papi-slot{background:#fff;border:1px solid var(--line);border-radius:10px;min-height:110px;display:grid;place-items:center;font-family:var(--mono);font-size:.7rem;color:var(--ink-3);padding:.6rem;text-align:center}
@media (max-width:640px){.papi-slots{grid-template-columns:1fr}}

/* ---------- compact sections (video / household / about) ---------- */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:2.6rem;align-items:start}
@media (max-width:880px){.split{grid-template-columns:1fr}}
.split h3{font-size:1.06rem;margin:1.4rem 0 .5rem}
.split h3:first-of-type{margin-top:0}
.include-list{list-style:none;padding:0;margin:0 0 1.2rem}
.include-list li{display:flex;gap:.7rem;align-items:flex-start;padding:.6rem 0;border-bottom:1px dashed var(--line);font-size:.93rem;color:var(--ink-2)}
.include-list li:last-child{border-bottom:0}
.include-list svg{flex:none;margin-top:.2rem;color:var(--emerald-deep)}
.include-list li b{color:var(--ink)}
.include-list .extra{color:var(--ink-3);font-size:.82rem;display:block}

/* about / integrity */
.integrity-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.3rem}
@media (max-width:760px){.integrity-grid{grid-template-columns:1fr}}
.integrity-item{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.3rem 1.4rem}
.integrity-item h3{font-size:1rem;margin-bottom:.45rem}
.integrity-item p{font-size:.9rem;color:var(--ink-2);margin:0}

/* ---------- footer ---------- */
.site-footer{background:#0f172a;color:#cbd5e1;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.8rem;padding-block:56px 40px}
@media (max-width:880px){.footer-grid{grid-template-columns:1fr}}
.footer-brand .brand-name{color:#fff}
.footer-brand .brand-tagline{color:#7c8ba1}
.footer-brand p{margin-top:1.1rem;font-size:.84rem;line-height:1.7;color:#9fb0c6}
.footer-disclaimer{border-top:1px solid #243149;padding-block:1.6rem;font-size:.78rem;line-height:1.75;color:#8da0b8}
.footer-disclaimer b{color:#cdd9e8}
.site-footer h4{color:#fff;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.55rem}
.footer-link{color:#c3d0e0;text-decoration:none;font-size:.9rem}
.footer-link:hover{color:#fff;text-decoration:underline}
.footer-bottom{display:flex;flex-wrap:wrap;gap:1rem;justify-content:space-between;align-items:center;border-top:1px solid #243149;padding-block:1.3rem;font-size:.78rem;color:#7c8ba1}
.social-row{display:flex;gap:.6rem}
.social-row a{width:34px;height:34px;border-radius:9px;border:1px solid #2c3d59;display:grid;place-items:center;color:#aebfd6}
.social-row a:hover{color:#fff;border-color:#4d5f80}

/* ---------- dialogs ---------- */
dialog.legal{border:0;border-radius:var(--r-lg);box-shadow:0 30px 80px -20px rgba(15,23,42,.45);padding:0;max-width:640px;width:calc(100% - 2rem);max-height:85vh}
dialog.legal::backdrop{background:rgba(15,23,42,.55);backdrop-filter:blur(3px)}
.legal-inner{padding:1.8rem 2rem 2rem;overflow-y:auto;max-height:85vh}
.legal-inner h2{font-size:1.3rem;margin-bottom:.3rem}
.legal-inner .legal-kicker{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--indigo-deep);margin-bottom:1.4rem}
.legal-inner h3{font-size:1rem;margin:1.4rem 0 .4rem}
.legal-inner p,.legal-inner li{font-size:.88rem;color:var(--ink-2);line-height:1.7}
.legal-close{position:sticky;top:0;float:right;margin:-.6rem -.6rem 0 1rem;background:var(--paper-3);border:1px solid var(--line-2);border-radius:50%;width:36px;height:36px;font-size:1.05rem;cursor:pointer;color:var(--ink-2);display:grid;place-items:center}
.legal-close:hover{background:var(--line)}

/* ---------- mobile sticky compliance bar ---------- */
.mobile-disclosure{display:none}
@media (max-width:767px){
  .mobile-disclosure{display:block;position:fixed;bottom:0;left:0;right:0;z-index:70;background:#111827;color:#e5e7eb;font-size:.7rem;line-height:1.4;text-align:center;padding:.5rem .9rem}
  body{padding-bottom:46px}
  .hero-grid{padding-block:44px 52px;gap:2.4rem}
  .calc-grid{grid-template-columns:1fr}
  .calc-form{border-right:0;border-bottom:1px solid var(--line)}
  .guide-grid{grid-template-columns:1fr}
  .section{padding-block:56px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  html{scroll-behavior:auto}
}