/* Layout concept: fresh white page with pale lime bands, one electric-lime (#AAFF00) accent, deep green-black ink. Large type, floating hero chips, scroll-revealed sections, image slots the owner can fill. Single light look by choice. */
:root {
  color-scheme: light;
  --bg: #FAFFF0;
  --white: #FFFFFF;
  --band: #EAFFB8;
  --band2: #F4FFD6;
  --ink: #10180A;
  --muted: #4B5740;
  --accent: #AAFF00;
  --accent-soft: #D2FF6B;
  --accent-ink: #10180A;
  --accent-deep: #3B6600;
  --line: #D6EDA5;
  --good: #22764A;
  --note: #E2FF94;
  --display: "Bricolage Grotesque", "Trebuchet MS", system-ui, sans-serif;
  --body: "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", sans-serif;
  --ease: cubic-bezier(.22, .8, .24, 1);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { background: var(--bg); color: var(--ink); font-family: var(--body); font-size: 17px; line-height: 1.65; margin: 0; overflow-x: hidden; }
h1, h2, h3, h4 { font-family: var(--display); line-height: 1.1; text-wrap: balance; margin: 0; letter-spacing: -0.015em; }
h1 { font-size: clamp(2.6rem, 7.2vw, 4.9rem); font-weight: 800; }
h2 { font-size: clamp(2rem, 5vw, 3.1rem); font-weight: 800; }
h3 { font-size: 1.3rem; font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; }
p { margin: 0; }
a { color: var(--accent-deep); }
.wrap { max-width: 1200px; margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
section { padding-block: 96px; position: relative; }
.band { background: var(--band); }
.band2 { background: var(--band2); }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--accent-deep); }
.eyebrow::before { content: ""; width: 26px; height: 3px; border-radius: 3px; background: var(--accent); }
.lead { color: var(--muted); max-width: 64ch; font-size: 1.12rem; }
.head { display: grid; gap: 14px; margin-bottom: 48px; }
.head.center { text-align: center; justify-items: center; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; background: var(--accent); color: var(--accent-ink); font-weight: 700; text-decoration: none; padding: 16px 28px; border-radius: 14px; border: 2px solid var(--accent); font-family: inherit; font-size: 1.02rem; cursor: pointer; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s; box-shadow: 0 6px 0 #6FB300; }
.btn:hover { transform: translateY(-3px); box-shadow: 0 9px 0 #6FB300; }
.btn:active { transform: translateY(3px); box-shadow: 0 2px 0 #6FB300; }
.btn.ghost { background: var(--white); color: var(--ink); border-color: var(--ink); box-shadow: 0 6px 0 var(--ink); }
.btn.ghost:hover { box-shadow: 0 9px 0 var(--ink); }
.btn.sm { padding: 10px 18px; border-radius: 11px; font-size: .95rem; box-shadow: 0 4px 0 #6FB300; }
:focus-visible { outline: 3px solid var(--accent-deep); outline-offset: 3px; border-radius: 6px; }

/* scroll reveal: resting state stays readable */
.rv { opacity: .3; transform: translateY(34px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.rv.in { opacity: 1; transform: none; }
@keyframes rise { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: none; } }
.load { animation: rise 1s var(--ease) both; animation-delay: var(--d, 0s); }
@keyframes floaty { 0%, 100% { transform: translateY(0) rotate(var(--r, 0deg)); } 50% { transform: translateY(-14px) rotate(var(--r, 0deg)); } }
@keyframes drift { 0%, 100% { transform: translate(0, 0) scale(1); } 50% { transform: translate(40px, -30px) scale(1.08); } }
@keyframes marquee { to { transform: translateX(-50%); } }

/* header */
.topbar { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 40; background: rgba(250, 255, 240, .88); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); transition: box-shadow .3s; }
.topbar.stuck { box-shadow: 0 8px 30px rgba(59, 102, 0, .12); }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 50; background: var(--bg); }
.progress { position: absolute; left: 0; bottom: 0; height: 3px; width: 100%; background: var(--accent); transform-origin: 0 50%; transform: scaleX(0); }
.bar { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 74px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); font-family: var(--display); font-weight: 800; font-size: 1.4rem; }
.nav { display: flex; gap: 6px; align-items: center; }
.nav a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 600; font-size: .98rem; padding: 8px 14px; border-radius: 10px; transition: background .2s; }
.nav a:not(.btn):hover { background: var(--band); }
.menu-btn { display: none; background: var(--white); border: 2px solid var(--ink); color: var(--ink); border-radius: 10px; padding: 8px 16px; font: inherit; font-weight: 700; cursor: pointer; }
@media (max-width: 1080px) {
  .menu-btn { display: inline-block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: 0; background: var(--bg); border-bottom: 1px solid var(--line); padding: 8px max(16px, env(safe-area-inset-left, 0px)) 18px; box-shadow: 0 20px 30px rgba(59, 102, 0, .1); }
  .nav.open { display: flex; animation: rise .35s var(--ease); }
  .nav a:not(.btn) { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .btn { margin-top: 14px; }
}

/* image slots */
.slot { position: relative; margin: 0; width: 100%; border-radius: 26px; overflow: hidden; background: linear-gradient(135deg, var(--band), var(--accent-soft)); border: 2px dashed var(--accent-deep); display: grid; place-items: center; text-align: center; isolation: isolate; }
.slot.filled { border-style: solid; border-color: var(--line); }
.slot.r169 { aspect-ratio: 16 / 9; }
.slot.r43 { aspect-ratio: 4 / 3; }
.slot.r54 { aspect-ratio: 5 / 4; }
.slot.r11 { aspect-ratio: 1 / 1; }
.slot.r32 { aspect-ratio: 3 / 2; }
.slot img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 1; }
.slot .ph-in { display: grid; gap: 6px; justify-items: center; padding: 18px; color: var(--accent-deep); }
.slot .ph-in b { font-family: var(--display); font-size: 1.05rem; color: var(--ink); }
.slot .ph-in span { font-size: .85rem; color: var(--muted); }
.slot .pick { position: absolute; right: 12px; bottom: 12px; z-index: 2; background: var(--white); color: var(--ink); border: 2px solid var(--ink); border-radius: 10px; font-weight: 700; font-size: .85rem; padding: 6px 12px; cursor: pointer; }
.slot .pick:hover { background: var(--accent); }
.slot .pick input { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; }
.slot .pick:focus-within { outline: 3px solid var(--accent-deep); outline-offset: 2px; }

/* hero */
.hero { position: relative; padding-block: 72px 110px; overflow: hidden; background: linear-gradient(180deg, var(--band) 0%, var(--bg) 100%); }
.blob { position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55; z-index: 0; animation: drift 14s ease-in-out infinite; }
.blob.b1 { width: 420px; height: 420px; background: var(--accent); top: -120px; right: -80px; }
.blob.b2 { width: 320px; height: 320px; background: var(--accent-soft); bottom: -80px; left: -60px; animation-delay: -6s; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.hero-grid > * { min-width: 0; }
.hero h1 { margin-top: 18px; }
.hero h1 mark { background: linear-gradient(180deg, transparent 58%, var(--accent) 58%, var(--accent) 92%, transparent 92%); color: inherit; padding: 0 4px; }
.hero .lead { margin-top: 24px; font-size: 1.22rem; }
.cta-row { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 36px; }
.fine-chip { display: block; margin-top: 26px; font-size: .9rem; color: var(--muted); }
.visual { position: relative; }
.visual .slot { box-shadow: 0 30px 60px rgba(59, 102, 0, .18); }
.chip { position: absolute; background: var(--white); border: 2px solid var(--ink); border-radius: 16px; padding: 12px 16px; display: flex; align-items: center; gap: 12px; box-shadow: 0 10px 0 rgba(16, 24, 10, .9); animation: floaty 6s ease-in-out infinite; z-index: 3; max-width: 78%; }
.chip b { font-family: var(--display); font-size: 1.15rem; display: block; line-height: 1.2; }
.chip small { color: var(--muted); font-size: .8rem; display: block; line-height: 1.3; }
.chip .dot { width: 38px; height: 38px; border-radius: 11px; background: var(--accent); display: grid; place-items: center; flex: none; }
.chip.c1 { left: -22px; top: 8%; --r: -3deg; }
.chip.c2 { right: -14px; bottom: 10%; --r: 3deg; animation-delay: -3s; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; } .chip.c1 { left: 8px; } .chip.c2 { right: 8px; } }

/* marquee */
.marq { overflow: hidden; background: var(--ink); color: var(--bg); padding-block: 18px; }
.marq-track { display: flex; width: max-content; animation: marquee 38s linear infinite; }
.marq:hover .marq-track { animation-play-state: paused; }
.marq span { padding-inline: 30px; font-family: var(--display); font-weight: 700; font-size: 1.1rem; white-space: nowrap; display: inline-flex; align-items: center; gap: 30px; }
.marq span::after { content: ""; width: 10px; height: 10px; background: var(--accent); border-radius: 3px; transform: rotate(45deg); }

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 56px; position: relative; z-index: 5; }
.stat { background: var(--white); border: 2px solid var(--ink); border-radius: 22px; padding: 28px 24px; box-shadow: 0 8px 0 var(--accent); min-width: 0; transition: transform .3s var(--ease); }
.stat:hover { transform: translateY(-6px); }
.stat b { display: block; font-family: var(--display); font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 800; font-variant-numeric: tabular-nums; line-height: 1.1; }
.stat span { color: var(--muted); font-size: .95rem; display: block; margin-top: 8px; }
@media (max-width: 900px) { .stats { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .stats { grid-template-columns: 1fr; } }

/* split blocks */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split > * { min-width: 0; }
@media (max-width: 980px) { .split { grid-template-columns: 1fr; gap: 36px; } }
.feat { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 30px; }
.feat > * { min-width: 0; }
.feat div { background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 20px; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.feat div:hover { transform: translateY(-5px); box-shadow: 0 16px 30px rgba(59, 102, 0, .14); }
.feat .ic { width: 44px; height: 44px; border-radius: 13px; background: var(--accent); display: grid; place-items: center; margin-bottom: 12px; }
.feat p { color: var(--muted); font-size: .95rem; margin-top: 4px; }
@media (max-width: 560px) { .feat { grid-template-columns: 1fr; } }

/* loan cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.cards > * { min-width: 0; }
.loan { background: var(--white); border: 1px solid var(--line); border-radius: 26px; padding: 14px 14px 26px; display: flex; flex-direction: column; gap: 14px; transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .3s; }
.loan:hover { transform: translateY(-10px); box-shadow: 0 30px 50px rgba(59, 102, 0, .16); border-color: var(--accent); }
.loan .body { padding: 6px 12px 0; display: flex; flex-direction: column; gap: 12px; flex: 1; }
.loan .slot { border-radius: 18px; }
.loan p { color: var(--muted); font-size: .98rem; }
.loan .best { font-size: .85rem; font-weight: 700; color: var(--accent-deep); }
.loan ul { margin: 0; padding: 0; list-style: none; display: grid; margin-top: auto; }
.loan li { display: flex; justify-content: space-between; gap: 12px; border-top: 1px dashed var(--line); padding: 9px 0; font-size: .95rem; }
.loan li span:first-child { color: var(--muted); }
.loan li span:last-child { font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
@media (max-width: 1020px) { .cards { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .cards { grid-template-columns: 1fr; } }

/* tables */
.scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: 20px; background: var(--white); }
table { border-collapse: collapse; width: 100%; min-width: 440px; font-variant-numeric: tabular-nums; }
th, td { text-align: left; padding: 16px 20px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--band); font-size: .78rem; letter-spacing: .09em; text-transform: uppercase; color: var(--muted); position: sticky; top: 0; z-index: 1; }
tbody tr { transition: background .2s; }
tbody tr:hover { background: var(--band2); }
tr:last-child td { border-bottom: 0; }
td.num, th.num { text-align: right; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
.two > * { min-width: 0; }
@media (max-width: 1020px) { .two { grid-template-columns: 1fr; } }
.tag { display: inline-block; background: var(--note); border: 1px solid var(--line); border-radius: 8px; padding: 2px 10px; font-size: .78rem; font-weight: 700; vertical-align: middle; }
.callout { background: var(--note); border: 2px solid var(--accent); border-radius: 18px; padding: 20px 24px; margin-top: 28px; }
.ph { background: var(--note); border: 1px dashed var(--accent-deep); border-radius: 6px; padding: 0 8px; font-weight: 600; }

/* rate factors */
.factors { display: grid; gap: 18px; margin-top: 8px; }
.factor { display: grid; gap: 6px; }
.factor .top { display: flex; justify-content: space-between; gap: 12px; font-weight: 600; font-size: .98rem; }
.factor .top span:last-child { color: var(--muted); font-weight: 500; font-size: .9rem; }
.meter { height: 12px; border-radius: 12px; background: var(--band); overflow: hidden; }
.meter i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--accent), #6FD400); border-radius: 12px; transition: width 1.3s var(--ease); }
.in .meter i, .meter.in i { width: var(--w); }

/* example */
.example { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; margin-top: 22px; }
.example > div { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 16px; min-width: 0; }
.example small { color: var(--muted); display: block; font-size: .8rem; }
.example b { font-family: var(--display); font-size: 1.3rem; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
@media (max-width: 1020px) { .example { grid-template-columns: 1fr 1fr; } }

/* calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
.calc > * { min-width: 0; }
.panel { background: var(--white); border: 2px solid var(--ink); border-radius: 26px; padding: 32px; box-shadow: 0 10px 0 var(--accent); }
.panel.plain { border: 1px solid var(--line); box-shadow: none; }
.field { display: grid; gap: 10px; margin-bottom: 28px; }
.field:last-child { margin-bottom: 0; }
.field label { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-weight: 600; flex-wrap: wrap; }
.inp { display: flex; align-items: center; background: var(--bg); border: 2px solid var(--line); border-radius: 12px; padding: 4px 12px; gap: 4px; transition: border-color .2s, box-shadow .2s; }
.inp:focus-within { border-color: var(--accent-deep); box-shadow: 0 0 0 4px var(--note); }
.inp input { width: 112px; border: 0; background: transparent; color: var(--ink); font: inherit; font-weight: 700; text-align: right; padding: 7px 2px; outline: 0; font-variant-numeric: tabular-nums; -moz-appearance: textfield; }
.inp input::-webkit-outer-spin-button, .inp input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.inp .unit { color: var(--muted); font-size: .9rem; }
input[type=range] { width: 100%; accent-color: var(--accent-deep); height: 30px; cursor: pointer; }
.scale { display: flex; justify-content: space-between; color: var(--muted); font-size: .82rem; }
.emi-big { text-align: center; padding: 4px 0 22px; }
.emi-big small { color: var(--muted); display: block; font-weight: 600; }
.emi-big b { font-family: var(--display); font-size: clamp(2.6rem, 8vw, 3.8rem); font-weight: 800; font-variant-numeric: tabular-nums; }
.donut-row { display: flex; align-items: center; gap: 26px; flex-wrap: wrap; justify-content: center; }
.donut-row svg circle { transition: stroke-dasharray .7s var(--ease); }
.legend { display: grid; gap: 12px; min-width: 0; }
.legend div { display: flex; align-items: center; gap: 10px; }
.sw { width: 14px; height: 14px; border-radius: 4px; flex: none; }
.legend b { font-variant-numeric: tabular-nums; }
.sum { margin: 22px 0 0; display: grid; }
.sum .row { display: flex; justify-content: space-between; gap: 14px; padding: 12px 0; border-top: 1px dashed var(--line); font-variant-numeric: tabular-nums; }
.sum .row span:first-child { color: var(--muted); }
.sum .row b { text-align: right; }
.sum .row.hl { background: var(--band); border-radius: 12px; padding-inline: 14px; border-top: 0; margin-top: 8px; }
.small { color: var(--muted); font-size: .88rem; }
@media (max-width: 980px) { .calc { grid-template-columns: 1fr; } .panel { padding: 24px 20px; } }
.chart { margin-top: 28px; }
.chart svg { width: 100%; height: auto; display: block; }
.sched { margin-top: 44px; }
.sched .scroll { max-height: 460px; overflow: auto; }
.sched table { min-width: 520px; }
.sched-head { display: flex; justify-content: space-between; align-items: end; gap: 12px; flex-wrap: wrap; margin-bottom: 16px; }
.seg { display: inline-flex; border: 2px solid var(--ink); border-radius: 12px; overflow: hidden; background: var(--white); }
.seg button { background: transparent; color: var(--ink); border: 0; padding: 10px 18px; font: inherit; font-weight: 700; cursor: pointer; transition: background .25s; }
.seg button[aria-pressed=true] { background: var(--accent); }
.out-big { font-family: var(--display); font-size: clamp(1.8rem, 5vw, 2.6rem); font-weight: 800; font-variant-numeric: tabular-nums; }
.pair { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 20px; }
.pair > div { background: var(--band2); border: 1px solid var(--line); border-radius: 16px; padding: 16px; min-width: 0; }
.pair small { color: var(--muted); display: block; font-size: .82rem; }
.pair b { font-family: var(--display); font-size: 1.3rem; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.pair .good b { color: var(--good); }

/* timeline */
.timeline { position: relative; display: grid; gap: 22px; padding-left: 0; margin: 0; list-style: none; counter-reset: s; }
.timeline li { counter-increment: s; position: relative; padding-left: 74px; min-height: 58px; }
.timeline li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 48px; height: 48px; display: grid; place-items: center; background: var(--accent); border: 2px solid var(--ink); color: var(--ink); border-radius: 50%; font-family: var(--display); font-weight: 800; font-size: 1.15rem; z-index: 1; }
.timeline li::after { content: ""; position: absolute; left: 23px; top: 48px; bottom: -22px; width: 2px; background: repeating-linear-gradient(var(--accent-deep) 0 6px, transparent 6px 12px); }
.timeline li:last-child::after { display: none; }
.timeline p { color: var(--muted); margin-top: 4px; }

/* boxes + lists */
.box { background: var(--white); border: 1px solid var(--line); border-radius: 24px; padding: 32px; }
.box h3 { margin-bottom: 16px; }
.list { margin: 0; padding-left: 22px; display: grid; gap: 10px; color: var(--muted); }
.list b { color: var(--ink); }
.rights { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.rights > * { min-width: 0; }
.right { background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 26px; position: relative; overflow: hidden; transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.right::after { content: ""; position: absolute; right: -30px; top: -30px; width: 90px; height: 90px; border-radius: 50%; background: var(--band); transition: transform .5s var(--ease); z-index: 0; }
.right:hover { transform: translateY(-6px); box-shadow: 0 20px 36px rgba(59, 102, 0, .14); }
.right:hover::after { transform: scale(2.6); }
.right > * { position: relative; z-index: 1; }
.right h4 { margin-bottom: 8px; }
.right p { color: var(--muted); font-size: .96rem; }
@media (max-width: 1020px) { .rights { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .rights { grid-template-columns: 1fr; } }
.gloss { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 40px; }
.gloss > div { border-top: 1px solid var(--line); padding-top: 14px; min-width: 0; }
.gloss dt { font-weight: 700; }
.gloss dd { margin: 4px 0 0; color: var(--muted); font-size: .96rem; }
@media (max-width: 760px) { .gloss { grid-template-columns: 1fr; } }
.esc { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.esc > * { min-width: 0; }
.esc .box { position: relative; padding-top: 44px; }
.esc .lvl { position: absolute; top: 0; left: 32px; transform: translateY(-50%); background: var(--accent); border: 2px solid var(--ink); border-radius: 999px; padding: 3px 16px; font-weight: 700; font-size: .85rem; }
@media (max-width: 980px) { .esc { grid-template-columns: 1fr; gap: 34px; } }

/* accordion */
.acc { display: grid; gap: 14px; }
.acc-item { background: var(--white); border: 1px solid var(--line); border-radius: 18px; transition: border-color .3s, box-shadow .3s; }
.acc-item.open { border-color: var(--accent); box-shadow: 0 14px 30px rgba(59, 102, 0, .12); }
.acc-q { width: 100%; background: transparent; border: 0; text-align: left; font: inherit; font-weight: 700; font-size: 1.08rem; color: var(--ink); padding: 22px 24px; display: flex; justify-content: space-between; align-items: center; gap: 16px; cursor: pointer; }
.acc-q .pm { width: 32px; height: 32px; border-radius: 50%; background: var(--band); display: grid; place-items: center; flex: none; transition: transform .4s var(--ease), background .3s; }
.acc-item.open .pm { transform: rotate(135deg); background: var(--accent); }
.acc-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .45s var(--ease); }
.acc-item.open .acc-a { grid-template-rows: 1fr; }
.acc-a > div { overflow: hidden; visibility: hidden; transition: visibility 0s .45s; }
.acc-item.open .acc-a > div { visibility: visible; transition-delay: 0s; }
.acc-a p { color: var(--muted); padding: 0 24px 24px; }

/* final cta + footer */
.cta { background: var(--accent); border: 2px solid var(--ink); border-radius: 36px; padding: 56px; display: grid; grid-template-columns: 1.2fr 1fr; gap: 44px; align-items: center; box-shadow: 0 14px 0 var(--ink); }
.cta > * { min-width: 0; }
.cta .lead { color: #1F3300; }
.cta .btn { background: var(--ink); color: var(--bg); border-color: var(--ink); box-shadow: 0 6px 0 #000; }
.cta .btn.ghost { background: var(--white); color: var(--ink); }
.cta .slot { border-color: var(--ink); background: var(--accent-soft); }
@media (max-width: 980px) { .cta { grid-template-columns: 1fr; padding: 32px 22px; } }
footer { background: var(--band); border-top: 2px solid var(--accent); padding-block: 64px; font-size: .94rem; }
footer .fine { display: grid; gap: 14px; max-width: 100ch; color: var(--muted); }
footer .fine p { overflow-wrap: anywhere; }
footer .logo { color: var(--ink); }

/* ---- responsive refinements ---- */
@media (min-width: 1400px) { .wrap { max-width: 1320px; } }
@media (hover: none) {
  .btn:hover { transform: none; box-shadow: 0 6px 0 #6FB300; }
  .btn.ghost:hover { box-shadow: 0 6px 0 var(--ink); }
  .btn.sm:hover { box-shadow: 0 4px 0 #6FB300; }
  .cta .btn:hover { box-shadow: 0 6px 0 #000; }
  .stat:hover, .feat div:hover, .loan:hover, .right:hover { transform: none; }
  .right:hover::after { transform: none; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  section { padding-block: 60px; }
  .head { margin-bottom: 32px; }
  .hero { padding-block: 44px 90px; }
  .hero .lead { font-size: 1.08rem; }
  .lead { font-size: 1.02rem; }
  .btn { padding: 15px 22px; }
  .cta-row { gap: 14px; }
  .cta-row .btn { flex: 1 1 100%; }
  .chip { padding: 8px 12px; border-radius: 12px; box-shadow: 0 6px 0 rgba(16, 24, 10, .9); max-width: 72%; gap: 9px; }
  .chip b { font-size: .98rem; }
  .chip small { font-size: .72rem; }
  .chip .dot { width: 30px; height: 30px; border-radius: 9px; }
  .slot { border-radius: 20px; }
  .stats { margin-top: 36px; gap: 14px; }
  .stat { padding: 20px 18px; border-radius: 18px; }
  .loan { padding: 10px 10px 22px; border-radius: 22px; }
  .panel { padding: 22px 16px; border-radius: 20px; box-shadow: 0 7px 0 var(--accent); }
  .box { padding: 24px 20px; border-radius: 20px; }
  .esc .lvl { left: 20px; }
  th, td { padding: 12px 14px; }
  .inp input { width: 96px; }
  .donut-row { gap: 16px; }
  .example { gap: 10px; }
  .example > div:last-child { grid-column: 1 / -1; }
  .pair { gap: 10px; }
  .pair b { font-size: 1.1rem; }
  .timeline li { padding-left: 62px; }
  .timeline li::before { width: 42px; height: 42px; }
  .timeline li::after { left: 20px; top: 42px; }
  .rights { gap: 14px; }
  .right { padding: 20px; }
  .acc-q { padding: 18px 16px; font-size: 1rem; }
  .acc-a p { padding: 0 16px 20px; }
  .cta { border-radius: 26px; box-shadow: 0 9px 0 var(--ink); padding: 28px 18px; }
  .marq span { padding-inline: 20px; font-size: 1rem; }
  .sched-head { align-items: center; }
}
@media (max-width: 400px) {
  h1 { font-size: 2.35rem; }
  .logo { font-size: 1.2rem; gap: 9px; }
  .logo svg { width: 34px; height: 34px; }
  .menu-btn { padding: 7px 14px; }
  .pair { grid-template-columns: 1fr; }
  .inp input { width: 84px; }
  .donut-row svg { width: 150px; height: 150px; }
  .legend { width: 100%; }
  .seg button { padding: 9px 14px; }
  .slot .pick { right: 8px; bottom: 8px; padding: 5px 10px; }
}
@media (max-width: 1200px) { th, td { padding: 14px 14px; } }
table.tenure { min-width: 380px; }
@media (max-width: 760px) {
  .visual { padding-block: 20px; }
  .chip.c1 { top: 0; left: 10px; }
  .chip.c2 { bottom: 0; right: 10px; }
  .visual .slot { aspect-ratio: 4 / 3; }
  .visual .slot .pick { right: auto; left: 12px; }
  .visual .slot .ph-in { padding: 36px 18px; }
}
@media (max-width: 640px) {
  .stack { border: 0; background: transparent; overflow: visible; border-radius: 0; }
  .stack table { min-width: 0; display: block; }
  .stack thead { display: none; }
  .stack tbody { display: grid; gap: 12px; }
  .stack tr { display: block; background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 6px 16px; }
  .stack td { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px dashed var(--line); text-align: right; }
  .stack td:last-child { border-bottom: 0; }
  .stack td::before { content: attr(data-label); color: var(--muted); font-weight: 600; text-align: left; flex: none; }
  .stack td:first-child { display: block; text-align: left; font-weight: 700; border-bottom: 1px solid var(--line); }
  .stack td:first-child::before { content: none; }
  .stack.col td { display: block; text-align: left; }
  .stack.col td::before { content: none; }
  .stack.col td:first-child { border-bottom: 0; padding-bottom: 0; }
  .stack.col td:last-child { padding-top: 4px; }
  .sched table { min-width: 0; }
  .sched th, .sched td { padding: 10px 7px; font-size: .82rem; }
  .sched th { font-size: .68rem; letter-spacing: .04em; }
}
@media (max-width: 400px) { .sched th, .sched td { padding: 9px 5px; font-size: .76rem; } }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition-duration: .01ms !important; }
  .rv { opacity: 1; transform: none; }
  .marq-track { animation: none; }
}

/* ================= multi-page additions ================= */
:root { padding-top: env(safe-area-inset-top, 0px); padding-bottom: env(safe-area-inset-bottom, 0px); }
[hidden] { display: none !important; }
img { max-width: 100%; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: var(--bg); padding: 10px 16px; border-radius: 10px; z-index: 100; }
.skip:focus { left: 16px; }

/* nav: more dropdown */
.more { position: relative; }
.more > button { background: transparent; border: 0; font: inherit; font-weight: 600; font-size: .98rem; color: var(--ink); padding: 8px 14px; border-radius: 10px; cursor: pointer; display: inline-flex; gap: 6px; align-items: center; }
.more > button:hover, .more.open > button { background: var(--band); }
.more > button svg { transition: transform .3s var(--ease); }
.more.open > button svg { transform: rotate(180deg); }
.more-panel { display: none; position: absolute; right: 0; top: calc(100% + 10px); min-width: 250px; background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 8px; box-shadow: 0 24px 44px rgba(59, 102, 0, .2); z-index: 60; }
.more.open .more-panel { display: grid; animation: rise .25s var(--ease); }
.more-panel a { padding: 11px 14px; border-radius: 10px; text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; }
.more-panel a:hover, .more-panel a.active { background: var(--band); }
.nav a.active:not(.btn) { background: var(--band); }
@media (max-width: 1080px) {
  .more { display: contents; }
  .more > button { display: none; }
  .more-panel, .more.open .more-panel { display: contents; animation: none; }
  .more-panel a { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; background: transparent; }
  .nav { max-height: calc(100vh - 90px); overflow-y: auto; }
}

/* inner page hero */
.phero { position: relative; overflow: hidden; background: linear-gradient(180deg, var(--band), var(--bg)); padding-block: 56px 48px; }
.phero .wrap { position: relative; z-index: 1; }
.phero h1 { font-size: clamp(2.3rem, 5.8vw, 3.8rem); margin-top: 6px; max-width: 18ch; }
.phero .lead { margin-top: 18px; font-size: 1.15rem; }
.phero .blob { opacity: .4; }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: .9rem; color: var(--muted); margin-bottom: 18px; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--ink); text-decoration: underline; }
.crumbs span[aria-hidden] { opacity: .5; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chipbtn { display: inline-flex; align-items: center; gap: 8px; background: var(--white); border: 2px solid var(--line); border-radius: 999px; padding: 9px 18px; font: inherit; font-weight: 600; font-size: .95rem; color: var(--ink); text-decoration: none; cursor: pointer; transition: border-color .25s, background .25s, transform .25s var(--ease); }
.chipbtn:hover { border-color: var(--accent); background: var(--band2); transform: translateY(-2px); }
.chipbtn[aria-pressed=true], .chipbtn.on { background: var(--accent); border-color: var(--ink); }
.subnav { position: sticky; top: calc(74px + env(safe-area-inset-top, 0px)); z-index: 30; background: rgba(250, 255, 240, .92); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); padding-block: 12px; }
.subnav .chips { flex-wrap: nowrap; overflow-x: auto; scrollbar-width: none; padding-bottom: 2px; }
.subnav .chips::-webkit-scrollbar { display: none; }
.subnav .chipbtn { flex: none; padding: 7px 16px; font-size: .9rem; }

/* product detail */
.prod { display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: start; padding-block: 72px; border-top: 1px solid var(--line); scroll-margin-top: 150px; }
.prod:first-of-type { border-top: 0; }
.prod > * { min-width: 0; }
.prod.flip .pv { order: 2; }
.prod h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); }
.prod .tagline { color: var(--accent-deep); font-weight: 700; font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; }
.prod .lead { margin-top: 12px; }
.facts { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 26px 0; }
.facts > div { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 14px 16px; min-width: 0; }
.facts small { color: var(--muted); display: block; font-size: .8rem; }
.facts b { font-family: var(--display); font-size: 1.12rem; overflow-wrap: anywhere; }
.prod h3 { font-size: 1.1rem; margin: 22px 0 10px; }
.tick { margin: 0; padding: 0; list-style: none; display: grid; gap: 9px; }
.tick li { position: relative; padding-left: 30px; color: var(--muted); }
.tick li::before { content: ""; position: absolute; left: 0; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.500l3.200 3L15 6.800' fill='none' stroke='%2310180A' stroke-width='2.200' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 20px no-repeat; }
.tick li b { color: var(--ink); }
.pv .slot + .callout { margin-top: 22px; }
@media (max-width: 980px) { .prod { grid-template-columns: 1fr; gap: 32px; padding-block: 52px; } .prod.flip .pv { order: 0; } }
@media (max-width: 480px) { .facts { grid-template-columns: 1fr; } }

/* documents with side TOC */
.doc { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: 56px; align-items: start; }
.toc { position: sticky; top: calc(96px + env(safe-area-inset-top, 0px)); background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 20px; }
.toc b { font-family: var(--display); display: block; margin-bottom: 10px; }
.toc a { display: block; padding: 7px 10px; border-radius: 8px; color: var(--muted); text-decoration: none; font-size: .93rem; line-height: 1.35; }
.toc a:hover, .toc a.on { background: var(--band); color: var(--ink); }
.prose { max-width: 78ch; }
.prose h2 { font-size: clamp(1.5rem, 3.4vw, 2rem); margin: 52px 0 14px; scroll-margin-top: 100px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.15rem; margin: 26px 0 8px; }
.prose p { color: var(--muted); margin: 0 0 14px; }
.prose ul, .prose ol { color: var(--muted); padding-left: 22px; display: grid; gap: 8px; margin: 0 0 16px; }
.prose li b, .prose p b { color: var(--ink); }
.prose .callout { margin: 22px 0; }
@media (max-width: 980px) { .doc { grid-template-columns: 1fr; gap: 28px; } .toc { position: static; } }

/* inner-page misc */
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.grid4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid3 > *, .grid2 > *, .grid4 > * { min-width: 0; }
@media (max-width: 1020px) { .grid3 { grid-template-columns: 1fr 1fr; } .grid4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 680px) { .grid3, .grid2, .grid4 { grid-template-columns: 1fr; } }
.kvt { display: grid; }
.kvt > div { display: grid; grid-template-columns: 220px 1fr; gap: 16px; padding: 14px 0; border-top: 1px dashed var(--line); }
.kvt > div:first-child { border-top: 0; }
.kvt dt { color: var(--muted); font-weight: 600; }
.kvt dd { margin: 0; font-weight: 600; overflow-wrap: anywhere; }
@media (max-width: 560px) { .kvt > div { grid-template-columns: 1fr; gap: 2px; } }
.mini { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 24px; }
.mini h3 { margin-bottom: 8px; }
.mini p { color: var(--muted); font-size: .96rem; }
.mini .ic { width: 46px; height: 46px; border-radius: 14px; background: var(--accent); display: grid; place-items: center; margin-bottom: 14px; }
.step-card { background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 26px; position: relative; min-width: 0; }
.step-card .n { position: absolute; top: -18px; left: 22px; width: 38px; height: 38px; border-radius: 50%; background: var(--accent); border: 2px solid var(--ink); display: grid; place-items: center; font-family: var(--display); font-weight: 800; }
.step-card h3 { margin: 8px 0 6px; font-size: 1.12rem; }
.step-card p { color: var(--muted); font-size: .96rem; }
.warn { background: #FFE9E3; border: 2px solid #E8B3A6; border-radius: 18px; padding: 18px 22px; color: #5B2A1C; margin-top: 22px; }
.warn b { color: #5B2A1C; }
.draft { background: var(--note); border: 2px dashed var(--accent-deep); border-radius: 14px; padding: 12px 16px; font-size: .92rem; margin-bottom: 28px; }
.mini-calc { display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center; }
.mini-calc > * { min-width: 0; }
@media (max-width: 980px) { .mini-calc { grid-template-columns: 1fr; gap: 28px; } }
.bigres { background: var(--ink); color: var(--bg); border-radius: 26px; padding: 34px 30px; text-align: center; box-shadow: 0 12px 0 var(--accent); }
.bigres small { opacity: .8; display: block; font-weight: 600; }
.bigres b { display: block; font-family: var(--display); font-size: clamp(2.6rem, 8vw, 3.8rem); font-weight: 800; font-variant-numeric: tabular-nums; margin: 4px 0 14px; color: var(--accent); }
.bigres .row { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-top: 1px solid rgba(250, 255, 240, .22); font-variant-numeric: tabular-nums; text-align: left; }
.bigres .btn { margin-top: 18px; }
.check { display: grid; gap: 10px; }
.check label { display: flex; gap: 12px; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; cursor: pointer; transition: border-color .25s, background .25s; }
.check label:hover { border-color: var(--accent); }
.check input { width: 22px; height: 22px; accent-color: var(--accent-deep); flex: none; margin-top: 2px; }
.check label.done { background: var(--band2); border-color: var(--accent); }
.prog { height: 12px; border-radius: 12px; background: var(--band); overflow: hidden; margin: 10px 0 6px; }
.prog i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--accent), #6FD400); border-radius: 12px; transition: width .6s var(--ease); }
.search { position: relative; max-width: 560px; }
.search input { width: 100%; border: 2px solid var(--line); background: var(--white); border-radius: 14px; padding: 15px 18px 15px 48px; font: inherit; color: var(--ink); }
.search input:focus { outline: 0; border-color: var(--accent-deep); box-shadow: 0 0 0 4px var(--note); }
.search svg { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); }
.faq-cat { margin: 44px 0 16px; }
.faq-cat:first-child { margin-top: 0; }
.faq-cat h2 { font-size: 1.5rem; }
.faq-cat .acc { margin-top: 14px; }
.empty { text-align: center; color: var(--muted); padding: 40px 0; }

/* forms + wizard */
.fgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 22px; }
.fgrid > * { min-width: 0; }
.fgrid .full { grid-column: 1 / -1; }
@media (max-width: 620px) { .fgrid { grid-template-columns: 1fr; } }
.fld { display: grid; gap: 7px; align-content: start; }
.fld > label, .fld > .lab { font-weight: 600; font-size: .96rem; }
.fld .hint { color: var(--muted); font-size: .84rem; font-weight: 400; }
.fld input[type=text], .fld input[type=tel], .fld input[type=email], .fld input[type=number], .fld input[type=date], .fld select, .fld textarea { width: 100%; background: var(--bg); border: 2px solid var(--line); border-radius: 12px; padding: 13px 14px; font: inherit; color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.fld textarea { min-height: 120px; resize: vertical; }
.fld input:focus, .fld select:focus, .fld textarea:focus { outline: 0; border-color: var(--accent-deep); box-shadow: 0 0 0 4px var(--note); }
.fld.bad input, .fld.bad select, .fld.bad textarea { border-color: #C0452B; background: #FFF6F3; }
.fld .err { color: #B03A22; font-size: .85rem; font-weight: 600; min-height: 0; }
.opts { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 12px; }
.opt { position: relative; }
.opt input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; cursor: pointer; margin: 0; }
.opt span { display: block; background: var(--bg); border: 2px solid var(--line); border-radius: 14px; padding: 14px 16px; font-weight: 600; transition: border-color .2s, background .2s, transform .25s var(--ease); height: 100%; }
.opt span small { display: block; color: var(--muted); font-weight: 400; font-size: .82rem; margin-top: 2px; }
.opt input:checked + span { background: var(--accent); border-color: var(--ink); }
.opt input:checked + span small { color: var(--accent-ink); }
.opt input:focus-visible + span { outline: 3px solid var(--accent-deep); outline-offset: 2px; }
.opt:hover span { transform: translateY(-2px); border-color: var(--accent); }
.consent { display: flex; gap: 12px; align-items: flex-start; background: var(--bg); border: 2px solid var(--line); border-radius: 14px; padding: 14px 16px; cursor: pointer; }
.consent input { width: 22px; height: 22px; accent-color: var(--accent-deep); flex: none; margin-top: 2px; }
.consent span { font-size: .95rem; color: var(--muted); }
.consent.bad { border-color: #C0452B; background: #FFF6F3; }
.wiz { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: 36px; align-items: start; }
@media (max-width: 1020px) { .wiz { grid-template-columns: 1fr; } }
.stepper { display: flex; gap: 8px; margin: 0 0 28px; padding: 0; list-style: none; overflow-x: auto; scrollbar-width: none; }
.stepper::-webkit-scrollbar { display: none; }
.stepper li { flex: 1 0 auto; display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: .9rem; color: var(--muted); padding: 8px 14px 8px 8px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); white-space: nowrap; }
.stepper li b { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--band); color: var(--ink); font-size: .85rem; }
.stepper li.on { color: var(--ink); border-color: var(--ink); background: var(--band); }
.stepper li.on b { background: var(--accent); }
.stepper li.done b { background: var(--good); color: #fff; }
.fstep { display: none; }
.fstep.on { display: block; animation: rise .5s var(--ease); }
.fstep h2 { font-size: 1.7rem; margin-bottom: 6px; }
.fstep .sub { color: var(--muted); margin-bottom: 26px; }
.fnav { display: flex; justify-content: space-between; gap: 14px; margin-top: 32px; flex-wrap: wrap; }
.fnav .btn { min-width: 150px; }
.aside-sticky { position: sticky; top: calc(96px + env(safe-area-inset-top, 0px)); display: grid; gap: 18px; }
@media (max-width: 1020px) { .aside-sticky { position: static; } }
.review { display: grid; gap: 14px; }
.review .grp { background: var(--bg); border: 1px solid var(--line); border-radius: 16px; padding: 16px 18px; }
.review .grp h3 { font-size: 1rem; display: flex; justify-content: space-between; gap: 10px; margin-bottom: 8px; }
.review .grp button { background: transparent; border: 0; color: var(--accent-deep); font: inherit; font-weight: 700; cursor: pointer; text-decoration: underline; }
.review dl { margin: 0; display: grid; gap: 6px; }
.review dl div { display: flex; justify-content: space-between; gap: 14px; font-size: .95rem; }
.review dt { color: var(--muted); }
.review dd { margin: 0; font-weight: 600; text-align: right; overflow-wrap: anywhere; }
.done-box { text-align: center; }
.done-box .tickbig { width: 76px; height: 76px; border-radius: 50%; background: var(--accent); border: 3px solid var(--ink); display: grid; place-items: center; margin: 0 auto 18px; }
.refid { display: inline-block; font-family: var(--display); font-weight: 800; letter-spacing: .06em; background: var(--band); border: 2px dashed var(--accent-deep); border-radius: 12px; padding: 8px 18px; font-size: 1.2rem; margin: 10px 0 20px; }
.sumbox { width: 100%; min-height: 220px; background: var(--bg); border: 2px solid var(--line); border-radius: 14px; padding: 14px; font: .9rem/1.6 ui-monospace, SFMono-Regular, Menlo, monospace; color: var(--ink); resize: vertical; }
.after { text-align: left; }

/* footer (multi-page) */
.fgrid-foot { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr; gap: 36px; }
.fgrid-foot > * { min-width: 0; }
.fgrid-foot h4 { font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-deep); margin-bottom: 14px; }
.fgrid-foot ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 9px; }
.fgrid-foot a { color: var(--ink); text-decoration: none; font-weight: 500; }
.fgrid-foot a:hover { text-decoration: underline; text-decoration-color: var(--accent-deep); text-underline-offset: 4px; }
.fgrid-foot p { color: var(--muted); font-size: .92rem; margin-top: 14px; max-width: 34ch; }
@media (max-width: 1020px) { .fgrid-foot { grid-template-columns: 1fr 1fr 1fr; } .fgrid-foot > :first-child { grid-column: 1 / -1; } }
@media (max-width: 560px) { .fgrid-foot { grid-template-columns: 1fr 1fr; gap: 28px; } }
.fine-sep { border-top: 1px solid var(--line); margin-top: 40px; padding-top: 28px; }
footer .fine p { font-size: .88rem; }

@media (max-width: 760px) {
  .phero { padding-block: 40px 36px; }
  .phero .lead { font-size: 1.05rem; }
  .bigres { padding: 26px 20px; border-radius: 22px; box-shadow: 0 9px 0 var(--accent); }
  .step-card { padding: 22px 18px; }
  .subnav { top: calc(74px + env(safe-area-inset-top, 0px)); }
  .fstep h2 { font-size: 1.45rem; }
  .fnav .btn { flex: 1 1 100%; }
}
@media (prefers-reduced-motion: reduce) { .fstep.on { animation: none; } }
.wiz > * { min-width: 0; }
.stepper { max-width: 100%; }

/* ================= site footer ================= */
footer.site-foot { background: var(--ink); color: #E4F2CB; padding: 0; border-top: 0; font-size: .95rem; position: relative; overflow: hidden; }
.site-foot .foot-stripe { height: 10px; background: repeating-linear-gradient(90deg, var(--accent) 0 36px, #6FD400 36px 72px, var(--accent-soft) 72px 108px); }
.site-foot a { color: #E4F2CB; text-decoration: none; }
.site-foot .logo { color: #F6FFE0; font-size: 1.35rem; }
.site-foot .eyebrow { color: var(--accent); }
.site-foot .ph { background: rgba(170, 255, 0, .14); border: 1px dashed var(--accent); color: var(--accent); border-radius: 6px; padding: 0 8px; font-weight: 600; }
.site-foot h2 { color: #F6FFE0; font-size: clamp(1.7rem, 4vw, 2.4rem); margin-top: 10px; }
.site-foot h4 { color: var(--accent); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 16px; }
.foot-top { display: grid; grid-template-columns: 1fr 1.25fr; gap: 48px; align-items: center; padding-block: 64px 48px; }
.foot-top > * { min-width: 0; }
.foot-lead p { color: #AAB799; margin-top: 12px; max-width: 46ch; }
.foot-cards { display: grid; gap: 14px; }
.fcard { display: flex; align-items: center; gap: 16px; background: rgba(234, 255, 184, .06); border: 1px solid rgba(234, 255, 184, .16); border-radius: 18px; padding: 16px 20px; transition: transform .35s var(--ease), background .3s, border-color .3s; min-width: 0; }
.fcard:hover { transform: translateX(6px); background: rgba(234, 255, 184, .1); border-color: var(--accent); }
.fcard .fic { width: 46px; height: 46px; border-radius: 14px; background: rgba(170, 255, 0, .16); display: grid; place-items: center; flex: none; }
.fcard small { display: block; color: #AAB799; font-size: .8rem; letter-spacing: .06em; text-transform: uppercase; }
.fcard b { font-family: var(--display); font-size: 1.1rem; color: #F6FFE0; overflow-wrap: anywhere; }
.fcard > div { min-width: 0; }
.foot-main { display: grid; grid-template-columns: 1.6fr 1.15fr .9fr .9fr .9fr; gap: 36px; padding-block: 48px; border-top: 1px solid rgba(234, 255, 184, .14); }
.foot-main > * { min-width: 0; }
.foot-brand p { color: #AAB799; margin-top: 16px; max-width: 36ch; }
.foot-badges { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.foot-badges span { border: 1px solid rgba(170, 255, 0, .5); color: var(--accent); border-radius: 999px; padding: 4px 12px; font-size: .78rem; font-weight: 700; }
.foot-social { font-size: .9rem; }
.foot-col ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 11px; }
.foot-col a { position: relative; display: inline-block; transition: color .2s, transform .25s var(--ease); }
.foot-col a:hover { color: var(--accent); transform: translateX(4px); }
.foot-reg { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; background: rgba(234, 255, 184, .06); border: 1px solid rgba(234, 255, 184, .16); border-radius: 20px; overflow: hidden; }
.foot-reg > div { padding: 20px 24px; border-right: 1px solid rgba(234, 255, 184, .14); min-width: 0; display: grid; gap: 2px; align-content: start; }
.foot-reg > div:last-child { border-right: 0; }
.foot-reg small { color: #AAB799; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; }
.foot-reg b { font-family: var(--display); font-size: 1.1rem; color: #F6FFE0; overflow-wrap: anywhere; }
.foot-reg span { color: #AAB799; font-size: .9rem; overflow-wrap: anywhere; }
.foot-help { display: flex; flex-wrap: wrap; gap: 10px 28px; margin-top: 22px; padding: 14px 22px; background: rgba(170, 255, 0, .12); border: 1px solid rgba(170, 255, 0, .4); border-radius: 14px; color: #EBFFA6; font-size: .92rem; }
.foot-help b { color: var(--accent); font-family: var(--display); }
.foot-disc { padding-block: 28px 8px; display: grid; gap: 12px; max-width: 1200px; }
.foot-disc p { color: #9AA88A; font-size: .86rem; line-height: 1.6; overflow-wrap: anywhere; }
.foot-bar { border-top: 1px solid rgba(234, 255, 184, .14); margin-top: 24px; padding-block: 20px calc(20px + env(safe-area-inset-bottom, 0px)); }
.foot-bar-in { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px 28px; }
.foot-bar span { color: #AAB799; font-size: .88rem; }
.foot-links { display: flex; flex-wrap: wrap; gap: 6px 22px; }
.foot-links a { color: #E4F2CB; font-size: .88rem; }
.foot-links a:hover { color: var(--accent); }
.totop { display: inline-flex; align-items: center; gap: 8px; background: var(--accent); color: var(--accent-ink); border: 0; border-radius: 12px; padding: 10px 16px; font: inherit; font-weight: 700; cursor: pointer; transition: transform .25s var(--ease); }
.totop:hover { transform: translateY(-3px); }
.site-foot :focus-visible { outline-color: var(--accent); }
@media (max-width: 1100px) { .foot-main { grid-template-columns: repeat(4, 1fr); } .foot-brand { grid-column: 1 / -1; } }
@media (max-width: 900px) { .foot-top { grid-template-columns: 1fr; gap: 28px; padding-block: 48px 36px; } .foot-reg { grid-template-columns: 1fr; } .foot-reg > div { border-right: 0; border-bottom: 1px solid rgba(234, 255, 184, .14); } .foot-reg > div:last-child { border-bottom: 0; } }
@media (max-width: 680px) { .foot-main { grid-template-columns: 1fr 1fr; gap: 30px 20px; padding-block: 36px; } .fcard { padding: 14px 16px; } .foot-bar-in { flex-direction: column; align-items: flex-start; } .totop { width: 100%; justify-content: center; } }
@media (hover: none) { .fcard:hover, .foot-col a:hover { transform: none; } }

/* ================= hero quick-check form ================= */
.hero h1 { font-size: clamp(2.4rem, 5.2vw, 4rem); }
.hero-grid { grid-template-columns: 1.05fr 1fr; gap: 56px; }
.hq { background: var(--white); border: 2px solid var(--ink); border-radius: 28px; box-shadow: 10px 10px 0 var(--accent); overflow: hidden; position: relative; z-index: 2; }
.hq-top { background: var(--accent); padding: 20px 26px; border-bottom: 2px solid var(--ink); }
.hq-kicker { font-size: .74rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.hq-top h2 { font-size: 1.55rem; margin-top: 4px; }
.hq-top p { font-size: .88rem; margin-top: 6px; color: #1F3300; line-height: 1.45; }
.hq-steps { display: flex; margin: 0; padding: 20px 26px 0; list-style: none; }
.hq-steps li { flex: 1; display: flex; align-items: center; gap: 8px; font-size: .85rem; font-weight: 700; color: var(--muted); }
.hq-steps li:last-child { flex: 0 0 auto; }
.hq-steps li b { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--band); border: 2px solid var(--line); font-size: .82rem; flex: none; transition: background .3s, border-color .3s; }
.hq-steps li::after { content: ""; flex: 1; height: 3px; background: var(--line); margin-inline: 6px; border-radius: 3px; transition: background .4s; }
.hq-steps li:last-child::after { display: none; }
.hq-steps li.on { color: var(--ink); }
.hq-steps li.on b { background: var(--accent); border-color: var(--ink); }
.hq-steps li.done b { background: var(--good); border-color: var(--good); color: #fff; }
.hq-steps li.done::after { background: var(--good); }
.hq-body { padding: 20px 26px 24px; }
.hstep { display: none; }
.hstep.on { display: block; animation: rise .45s var(--ease); }
.hq .fld { margin-bottom: 14px; }
.hq .fld input { padding: 12px 14px; }
.hq-label { font-weight: 700; margin-bottom: 10px; font-size: .96rem; }
.hq-types { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-bottom: 20px; }
.hq-emp { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 18px; }
.hq .opt span { padding: 10px 6px; text-align: center; font-size: .86rem; border-radius: 12px; }
.hq-amt { margin-bottom: 14px; }
.hq-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.hq-row label, .hq-row span { font-weight: 600; font-size: .95rem; }
.hq-row b { font-family: var(--display); font-size: 1.5rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.hq-btn { width: 100%; margin-top: 8px; padding: 14px 20px; }
.hq-nav { display: grid; grid-template-columns: 1fr 1.5fr; gap: 10px; }
.hq-emi { display: flex; justify-content: space-between; align-items: center; gap: 12px; background: var(--ink); color: var(--bg); padding: 16px 26px; }
.hq-emi span { font-size: .85rem; font-weight: 600; opacity: .9; }
.hq-emi small { display: block; font-size: .74rem; opacity: .7; line-height: 1.3; }
.hq-emi b { font-family: var(--display); font-size: 1.7rem; color: var(--accent); font-variant-numeric: tabular-nums; white-space: nowrap; }
.hq-res-top { text-align: center; margin-bottom: 14px; }
.hq-ico { width: 54px; height: 54px; border-radius: 50%; background: var(--accent); border: 2px solid var(--ink); display: grid; place-items: center; margin: 0 auto 10px; }
.hq-ico.warn { background: var(--note); }
.hq-res-top h3 { font-size: 1.35rem; }
.hq-res-top p { color: var(--muted); font-size: .9rem; margin-top: 6px; }
.hq-res-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.hq-res-grid > div { background: var(--band2); border: 1px solid var(--line); border-radius: 14px; padding: 12px 14px; min-width: 0; }
.hq-res-grid small { color: var(--muted); display: block; font-size: .76rem; }
.hq-res-grid b { font-family: var(--display); font-size: 1.2rem; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.hq-meter { margin-bottom: 12px; }
.hq-meter .meter i { transition: width 1s var(--ease), background .3s; width: 0; }
.hq-checks { list-style: none; margin: 0 0 8px; padding: 0; display: grid; gap: 6px; font-size: .88rem; }
.hq-checks .ok { color: var(--good); }
.hq-checks .no { color: #B03A22; }
.hq-link { display: block; margin: 12px auto 0; background: transparent; border: 0; color: var(--accent-deep); font: inherit; font-weight: 700; text-decoration: underline; cursor: pointer; }
.hero .chip.c1 { left: 18px; top: -26px; max-width: 70%; }
.hero .chip.c2 { right: -10px; bottom: -34px; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; gap: 56px; } .hero .chip.c1 { left: 12px; } .hero .chip.c2 { right: 12px; } }
@media (max-width: 760px) {
  .hero .chip { display: none; }
  .hq { border-radius: 22px; box-shadow: 7px 7px 0 var(--accent); }
  .hq-top, .hq-steps, .hq-body, .hq-emi { padding-inline: 18px; }
  .hq-top h2 { font-size: 1.35rem; }
  .hq-emi b { font-size: 1.45rem; }
}
@media (max-width: 420px) { .hq-types { grid-template-columns: 1fr 1fr; } .hq-steps li span { display: none; } .hq-steps li.on span { display: inline; } .hq-res-grid { grid-template-columns: 1fr; } }
.hero .chip { display: none; }
@media (max-width: 760px) { .hero .cta-row, .hero .fine-chip { display: none; } .hero-grid { gap: 34px; } .hero { padding-block: 36px 70px; } }

/* illustrated image blocks */
.slot.illu { display: block; border: 2px solid var(--ink); box-shadow: 0 8px 0 var(--accent); }
.slot.illu svg { position: absolute; inset: 0; width: 100%; height: 100%; display: block; }