/* Offer Ledger (working name) - single stylesheet, no external fonts */
:root{
  --ink:#16201c; --ink-2:#3d4a44; --muted:#5d6b64;
  --paper:#fbfaf6; --card:#ffffff; --line:#dcd9cf; --soft:#f1efe7;
  --brand:#0f5c45; --brand-ink:#ffffff; --brand-soft:#e3f0ea;
  --accent:#b4531a; --accent-ink:#ffffff; --warn-bg:#fff5e0; --warn-line:#e2b25a;
  --hold-bg:#fde8e8; --hold-line:#c94444;
  --focus:#1a73e8; --radius:10px; --max:1080px; --read:720px;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){--ink:#eef2ef;--ink-2:#c9d3ce;--muted:#a3b0a9;--paper:#121715;--card:#1a211e;--line:#2e3833;--soft:#1f2723;
  --brand:#5fc29d;--brand-ink:#0b1a14;--brand-soft:#173329;--accent:#f0a46d;--accent-ink:#1a0f06;--warn-bg:#2d2414;--warn-line:#8a6a2a;--hold-bg:#3a1c1c;--hold-line:#d06666;color-scheme:dark}
}
:root[data-theme="dark"]{--ink:#eef2ef;--ink-2:#c9d3ce;--muted:#a3b0a9;--paper:#121715;--card:#1a211e;--line:#2e3833;--soft:#1f2723;
  --brand:#5fc29d;--brand-ink:#0b1a14;--brand-soft:#173329;--accent:#f0a46d;--accent-ink:#1a0f06;--warn-bg:#2d2414;--warn-line:#8a6a2a;--hold-bg:#3a1c1c;--hold-line:#d06666;color-scheme:dark}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--brand);text-underline-offset:2px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}
img{max-width:100%;height:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--card);padding:8px 12px;z-index:10}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.read{max-width:var(--read)}

/* staging + hold banners */
.staging{background:#2b2b2b;color:#fff;font-size:14px;text-align:center;padding:6px 16px}
.hold{border:2px dashed var(--hold-line);background:var(--hold-bg);border-radius:var(--radius);padding:12px 16px;margin:16px 0}
.hold::before{content:"HELD - not for publication until verified";display:block;font-weight:700;font-size:13px;letter-spacing:.04em;color:var(--hold-line);margin-bottom:6px}

/* header */
.site-header{border-bottom:1px solid var(--line);background:var(--card)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px;flex-wrap:wrap}
.logo{font-weight:800;letter-spacing:-.01em;color:var(--ink);text-decoration:none;font-size:19px;display:flex;align-items:center;gap:8px}
.logo-mark{width:26px;height:26px;border-radius:6px;background:var(--brand);display:inline-grid;place-items:center;color:var(--brand-ink);font-size:14px}
.nav{display:flex;gap:4px 16px;flex-wrap:wrap;font-size:15px}
.nav a{color:var(--ink-2);text-decoration:none;padding:6px 0}
.nav a[aria-current="page"]{color:var(--ink);font-weight:600;border-bottom:2px solid var(--brand)}
.indep{font-size:13px;color:var(--muted);background:var(--soft);border-bottom:1px solid var(--line)}
.indep .wrap{padding-top:6px;padding-bottom:6px}

/* typography */
h1{font-size:clamp(28px,5vw,40px);line-height:1.15;letter-spacing:-.02em;margin:28px 0 12px}
h2{font-size:clamp(22px,3.4vw,27px);line-height:1.25;margin:40px 0 12px;letter-spacing:-.01em}
h3{font-size:19px;margin:24px 0 8px}
p,ul,ol{margin:0 0 14px}
li{margin-bottom:6px}
.lede{font-size:19px;color:var(--ink-2)}
.meta{font-size:14px;color:var(--muted)}
.small{font-size:14px}

/* offer box */
.offer{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;margin:20px 0;box-shadow:0 1px 0 rgba(0,0,0,.03)}
.offer-top{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between}
.offer h2{margin:0;font-size:22px}
.codebox{display:flex;align-items:stretch;border:2px dashed var(--brand);border-radius:10px;overflow:hidden;background:var(--brand-soft)}
.code{font:700 22px/1 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;letter-spacing:.06em;padding:12px 14px;color:var(--ink)}
.copy{border:0;background:var(--brand);color:var(--brand-ink);font:600 15px system-ui,sans-serif;padding:0 16px;cursor:pointer;min-height:44px}
.copy:hover{filter:brightness(1.08)}
.parts{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0}
.part{border:1px solid var(--line);border-radius:var(--radius);padding:14px;background:var(--paper)}
.part .amt{font-size:26px;font-weight:800;color:var(--brand);line-height:1}
.part h3{margin:6px 0 6px;font-size:16px}
.part p{margin:0;font-size:15px}
.cta-row{display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center;margin-top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border-radius:10px;background:var(--accent);color:var(--accent-ink);text-decoration:none;font-weight:700}
.btn:hover{filter:brightness(1.07)}
.btn-ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.disclose{font-size:14px;color:var(--muted);margin-top:10px}
.keyterms{font-size:15px;border-top:1px solid var(--line);margin-top:14px;padding-top:12px}
.keyterms ul{padding-left:20px;margin:0}

/* notes */
.note{border-left:4px solid var(--warn-line);background:var(--warn-bg);padding:12px 16px;border-radius:0 var(--radius) var(--radius) 0;margin:16px 0}
.note.info{border-color:var(--brand);background:var(--brand-soft)}

/* tables */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:12px 0 18px}
table{border-collapse:collapse;width:100%;font-size:15px;background:var(--card)}
th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
th{background:var(--soft)}
caption{text-align:left;font-weight:600;padding-bottom:6px}

/* calculator */
.calc{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;margin:16px 0}
.calc label{font-weight:600;display:block;margin-bottom:6px}
.calc input[type=date]{font:inherit;padding:10px;border:1px solid var(--line);border-radius:8px;min-height:44px;background:var(--paper);color:var(--ink)}
.calc output{display:block;margin-top:12px}
.calc ol{padding-left:22px}

/* checklist */
.check{list-style:none;padding:0}
.check li{padding-left:30px;position:relative}
.check li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border:2px solid var(--brand);border-radius:4px}

/* faq */
details{border:1px solid var(--line);border-radius:var(--radius);background:var(--card);margin:8px 0}
summary{cursor:pointer;padding:14px 16px;font-weight:600;list-style-position:outside}
details>div{padding:0 16px 8px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin:16px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.card h3{margin-top:0}

/* sticky mobile CTA */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;background:var(--card);border-top:1px solid var(--line);padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));display:none;gap:10px;align-items:center;justify-content:space-between;z-index:5;font-size:14px}
.sticky-cta .btn{min-height:44px;padding:0 14px}
@media (max-width:700px){
  .parts{grid-template-columns:1fr}
  .sticky-cta.show{display:flex}
  body.has-sticky{padding-bottom:76px}
}

/* footer */
.site-footer{border-top:1px solid var(--line);margin-top:56px;padding:28px 0 40px;font-size:14px;color:var(--muted);background:var(--card)}
.site-footer a{color:var(--ink-2)}
.foot-links{display:flex;flex-wrap:wrap;gap:6px 18px;margin:10px 0}
.breadcrumb{font-size:14px;margin-top:16px;color:var(--muted)}
.breadcrumb a{color:var(--muted)}
.toc{background:var(--soft);border-radius:var(--radius);padding:12px 16px;font-size:15px}
.toc ol{margin:6px 0 0;padding-left:20px}
@media print{.site-header,.sticky-cta,.copy,.staging{display:none}}

.featured-label{display:inline-block;margin:0 0 10px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);background:var(--brand-soft);border-radius:999px;padding:3px 10px}
.card.hold{border-style:dashed}

/* ===== v0.3 fintech refresh ===== */
:root{
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  --hero-bg:#0b1f1a; --hero-bg-2:#0f2c24; --hero-ink:#f2f7f4; --hero-muted:#a9c2b8;
  --mint:#6fe3b4; --mint-soft:rgba(111,227,180,.14); --cta:#ff7a3d; --cta-ink:#1b0e05;
  --card-shadow:0 1px 2px rgba(10,30,24,.06),0 8px 24px rgba(10,30,24,.06);
  --header-bg:rgba(255,255,255,.9);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--hero-bg:#081612;--hero-bg-2:#0c221c;--card-shadow:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.3);--header-bg:rgba(26,33,30,.92)}}
:root[data-theme="dark"]{--hero-bg:#081612;--hero-bg-2:#0c221c;--card-shadow:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.3);--header-bg:rgba(26,33,30,.92)}
body{font-family:var(--font);letter-spacing:-.005em}
h1,h2,h3{text-wrap:balance;letter-spacing:-.025em}
.code,.mono{font-family:var(--mono)}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--header-bg);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px)}
.nav a{font-weight:500}
main.full{display:block}

/* hero */
.hero{background-color:var(--hero-bg);background-image:radial-gradient(900px 480px at 85% 10%,rgba(111,227,180,.18),transparent 60%),radial-gradient(700px 400px at 0% 100%,rgba(255,122,61,.10),transparent 60%),linear-gradient(180deg,var(--hero-bg),var(--hero-bg-2));color:var(--hero-ink);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000 30%,transparent 95%);-webkit-mask-image:linear-gradient(180deg,#000 30%,transparent 95%);pointer-events:none}
.hero-inner{position:relative;max-width:var(--max);margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px));padding-block:56px 48px;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero-copy{min-width:0}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--mint);background:var(--mint-soft);border:1px solid rgba(111,227,180,.28);padding:5px 12px;border-radius:999px;margin:0 0 18px}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--mint);box-shadow:0 0 0 4px rgba(111,227,180,.2)}
.hero h1{font-size:clamp(34px,5.6vw,58px);line-height:1.04;font-weight:800;margin:0 0 18px;color:var(--hero-ink)}
.hero h1 .hl{display:block;background:linear-gradient(90deg,var(--mint),#b8f2d9);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-sub{font-size:clamp(17px,2vw,19px);color:var(--hero-muted);max-width:34em;margin:0 0 26px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:16px}
.btn-hero{background:var(--cta);color:var(--cta-ink);min-height:52px;padding:0 22px;border-radius:12px;font-weight:700;box-shadow:0 6px 20px rgba(255,122,61,.28)}
.btn-hero-ghost{background:transparent;color:var(--hero-ink);border:1.5px solid rgba(255,255,255,.28);min-height:52px;border-radius:12px}
.btn-hero-ghost:hover{border-color:var(--mint)}
.hero-fine{font-size:13.5px;color:var(--hero-muted);max-width:40em;margin:0}
.hero-fine a{color:var(--hero-ink)}
.hero :focus-visible{outline-color:var(--mint)}

.hero-visual{min-width:0;display:flex;justify-content:center}
.stack{position:relative;width:min(380px,100%);padding:70px 0 70px}
.pcard{background:#fff;color:#11201b;border-radius:18px;box-shadow:0 30px 60px rgba(0,0,0,.35),0 2px 6px rgba(0,0,0,.2)}
.pcard-main{position:relative;z-index:2;padding:22px}
.pcard-top{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:10px}
.pname{font-weight:700;font-size:16px}
.ptag{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#0f5c45;background:#e3f3ec;border-radius:999px;padding:3px 9px}
.pamount{font-size:56px;font-weight:800;letter-spacing:-.04em;line-height:1;display:flex;align-items:baseline;gap:8px}
.pamount .upto{font-size:15px;font-weight:600;letter-spacing:0;color:#5b6b64}
.pcaption{margin:4px 0 12px;color:#5b6b64;font-size:14px}
.pcode{display:flex;align-items:center;justify-content:space-between;border:1.5px dashed #0f5c45;background:#f1faf6;border-radius:10px;padding:8px 8px 8px 12px;font-size:18px;font-weight:700;letter-spacing:.06em}
.copy-sm{min-height:44px;border-radius:8px;padding:0 12px;font-size:13px}
.psteps{list-style:none;padding:0;margin:14px 0;display:grid;gap:8px;font-size:14px}
.psteps li{display:flex;align-items:center;gap:10px;margin:0}
.pill{font-weight:700;font-size:13px;background:#11201b;color:#fff;border-radius:7px;padding:3px 8px;min-width:48px;text-align:center}
.pbtn{display:flex;justify-content:center;align-items:center;gap:6px;min-height:48px;border-radius:12px;background:#11201b;color:#fff;text-decoration:none;font-weight:700}
.pbtn:hover{background:#0f5c45}
.pstatus{font-size:12px;color:#0f5c45;margin:6px 0 0;min-height:1em}
.pcard-mini{position:absolute;z-index:1;display:flex;flex-direction:column;gap:2px;padding:12px 16px;font-size:13px;opacity:.96}
.pcard-mini .mini-val{font-weight:700;font-size:15px;color:#0f5c45}
.m1{right:-22px;top:0;transform:rotate(3deg)}
.m2{left:-22px;bottom:0;transform:rotate(-3deg)}
@media (prefers-reduced-motion:no-preference){
  .pcard-main{animation:rise .7s cubic-bezier(.2,.8,.2,1) both}
  .m1{animation:rise .7s .15s cubic-bezier(.2,.8,.2,1) both}
  .m2{animation:rise .7s .25s cubic-bezier(.2,.8,.2,1) both}
  @keyframes rise{from{transform:translateY(14px)}to{}}
}
.trust{border-top:1px solid rgba(255,255,255,.08);position:relative}
.trust-inner{max-width:var(--max);margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px));padding-block:16px;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;font-size:13.5px;color:var(--hero-muted)}
.trust strong{color:var(--hero-ink);font-weight:600}

/* sections */
.section{padding-block:56px 8px}
.section-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:end;gap:8px 24px;margin-bottom:20px}
.section-head h2{margin:0;font-size:clamp(24px,3.4vw,32px)}
.section-head p{margin:0;color:var(--muted);font-size:15px}

/* offer cards */
.offer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.ocard{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;display:flex;flex-direction:column;gap:10px;box-shadow:var(--card-shadow);min-width:0}
.ocard-featured{border:2px solid var(--brand)}
.ocard-head{display:flex;justify-content:space-between;align-items:center;gap:8px}
.ocard-head h3{margin:0;font-size:20px}
.otag{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border:1px solid var(--line);border-radius:999px;padding:3px 9px;white-space:nowrap}
.otag-feat{color:var(--brand-ink);background:var(--brand);border-color:var(--brand)}
.ohead{font-size:24px;font-weight:800;letter-spacing:-.02em;margin:0;line-height:1.15}
.oterms{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:14.5px;color:var(--ink-2)}
.oterms li{position:relative;padding-left:20px;margin:0}
.oterms li::before{content:"";position:absolute;left:2px;top:.55em;width:8px;height:8px;border-radius:2px;background:var(--brand)}
.ocard-cta{margin-top:auto;display:flex;flex-wrap:wrap;align-items:center;gap:8px 16px;padding-top:6px}
.btn-out{background:var(--accent);color:var(--accent-ink);min-height:48px;border-radius:12px;flex:1 1 auto}
.olink{font-weight:600;font-size:15px}
.ofine{font-size:12.5px;color:var(--muted);margin:0}
.ocard.hold{box-shadow:none}

/* needs */
.need-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.need{display:flex;flex-direction:column;gap:6px;padding:18px;border-radius:14px;border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.need:hover{border-color:var(--brand);transform:translateY(-2px)}
.need strong{font-size:17px}
.need span{font-size:14px;color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.split h2{margin-top:0}
.guide-list{padding-left:18px}

@media (max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:28px;padding-block:40px 32px}
  .offer-grid{grid-template-columns:1fr 1fr}
  .need-grid{grid-template-columns:1fr 1fr}
  .trust-inner{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  .offer-grid,.need-grid,.split{grid-template-columns:1fr}
  .m1{right:-6px}.m2{left:-6px}
  .pamount{font-size:48px}
}

@media (max-width:700px){.nav{flex-wrap:nowrap;overflow-x:auto;width:100%;padding-bottom:4px;scrollbar-width:none}.nav a{white-space:nowrap}.site-header .wrap{gap:4px;padding-block:8px}}

/* ===== v0.4: nav, cards, interactions, pages ===== */
:root{--tide-blue:#2330d8;--tide-navy:#0e1a7a;--cot:#273456;--ease:cubic-bezier(.2,.8,.2,1)}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* header + mobile menu */
.nav{align-items:center}
.nav a{transition:color .15s}
.nav a:hover{color:var(--brand)}
.nav-cta{background:var(--brand);color:var(--brand-ink)!important;padding:7px 14px!important;border-radius:999px;font-weight:600}
.nav-cta:hover{filter:brightness(1.1)}
.nav a.nav-cta[aria-current="page"]{border-bottom:0}
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:8px;min-height:44px;padding:0 12px;border:1px solid var(--line);border-radius:10px;font-weight:600;font-size:15px}
.mnav summary::-webkit-details-marker{display:none}
.burger,.burger::before,.burger::after{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;position:relative;transition:transform .2s var(--ease)}
.burger::before,.burger::after{content:"";position:absolute;left:0}
.burger::before{top:-6px}.burger::after{top:6px}
.mnav[open] .burger{background:transparent}
.mnav[open] .burger::before{transform:translateY(6px) rotate(45deg)}
.mnav[open] .burger::after{transform:translateY(-6px) rotate(-45deg)}
.mnav nav{position:absolute;right:0;top:calc(100% + 8px);min-width:240px;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--card-shadow);padding:8px;display:flex;flex-direction:column;z-index:30}
.mnav nav a{padding:12px 14px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:500}
.mnav nav a:hover{background:var(--soft)}
.mnav nav a.nav-cta{margin-top:6px;text-align:center}
@media (max-width:860px){
  .site-header .nav{display:none}
  .mnav{display:block}
  .site-header .wrap{flex-wrap:nowrap}
}

/* interactions */
.btn,.pbtn,.copy,.rel-card,.ocard,.need,.cc{transition:transform .18s var(--ease),box-shadow .18s var(--ease),background-color .18s,filter .18s,border-color .18s}
.btn:hover,.pbtn:hover{transform:translateY(-1px) scale(1.03)}
.btn:active,.pbtn:active{transform:scale(.98)}
.btn-out:hover{background:var(--brand);color:var(--brand-ink)}
.btn-hero:hover{box-shadow:0 10px 28px rgba(255,122,61,.45)}
.ocard:hover,.cc:hover{transform:translateY(-4px);box-shadow:0 2px 4px rgba(10,30,24,.08),0 18px 40px rgba(10,30,24,.14)}
.ocard:hover{border-color:var(--brand)}
.rel-card:hover{transform:translateY(-3px);border-color:var(--brand)}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important}.ocard:hover,.cc:hover,.btn:hover,.pbtn:hover,.rel-card:hover{transform:none}}

/* hero card (single, clean) */
.hero-visual{min-width:0;display:flex;justify-content:center}
.tcard{width:min(400px,100%);background:#fff;color:#11201b;border-radius:20px;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.35),0 2px 6px rgba(0,0,0,.2);transition:transform .25s var(--ease)}
.tcard-band{display:flex;align-items:center;justify-content:space-between;gap:8px;background-color:var(--tide-blue);background-image:linear-gradient(120deg,var(--tide-blue),var(--tide-navy));padding:14px 20px}
.tcard-band img{height:28px;width:auto}
.tcard-band .ptag{background:rgba(255,255,255,.16);color:#fff}
.tcard-body{padding:20px}


/* featured partner grid */
.feat-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:16px}
.ocard-xl .ohead{font-size:30px}
.olog{height:30px;width:auto}
.okind{margin:0;font-size:12.5px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}
.ocard-featured2{border:2px solid var(--cot)}
.otag-feat2{color:#fff;background:var(--cot);border-color:var(--cot)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .ocard-featured2{border-color:#8aa0d6}:root:not([data-theme="light"]) .otag-feat2{background:#8aa0d6;color:#0b1220;border-color:#8aa0d6}}
:root[data-theme="dark"] .ocard-featured2{border-color:#8aa0d6}
:root[data-theme="dark"] .otag-feat2{background:#8aa0d6;color:#0b1220;border-color:#8aa0d6}
.offer-grid{grid-template-columns:repeat(4,1fr)}

/* tide band */
.tide-band{display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:center;background:linear-gradient(135deg,#eef0ff,#f6f7ff);border:1px solid #dfe2ff;border-radius:20px;padding:28px}
.tide-band h2{margin-top:4px}
.tide-band-img{width:100%;height:auto;max-width:420px;justify-self:center}
.tide-links{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .tide-band{background:linear-gradient(135deg,#151a3d,#10142e);border-color:#262d63}}
:root[data-theme="dark"] .tide-band{background:linear-gradient(135deg,#151a3d,#10142e);border-color:#262d63}

/* content pages */
.kicker{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);margin:0 0 8px}
.page-hero{display:grid;grid-template-columns:1.4fr .6fr;gap:24px;align-items:center;margin:8px 0 8px}
.page-hero h1{margin-top:0}
.page-hero-img{width:100%;height:auto;max-width:300px;justify-self:end;filter:drop-shadow(0 16px 30px rgba(10,30,60,.18))}
.btn-big{min-height:52px;padding:0 24px;font-size:16.5px}
.steps{padding-left:22px}
.steps li{margin-bottom:10px}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:28px 0 8px}
.rel-card{display:flex;flex-direction:column;gap:4px;padding:14px 16px;border:1px solid var(--line);border-radius:14px;background:var(--card);text-decoration:none;color:var(--ink)}
.rel-card span{font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--brand)}
.rel-card strong{font-size:15.5px;line-height:1.3}
.compare-cards{display:grid;grid-template-columns:1fr 1.2fr;gap:16px;margin:16px 0 24px}
.cc{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:var(--card-shadow)}
.cc-feat{border:2px solid var(--brand)}
.cc-label{margin:0 0 6px;font-weight:600;display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.cc-amt{font-size:40px;font-weight:800;letter-spacing:-.03em;margin:0 0 8px;line-height:1}
.cc ul{padding-left:18px;font-size:15px}
.inline-code{font-weight:700;background:var(--brand-soft);border:1px dashed var(--brand);border-radius:6px;padding:2px 8px}
.copy-inline{min-height:44px;border-radius:8px;padding:0 14px;font-size:14px;vertical-align:middle}
.verdict{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px;margin:16px 0 24px;box-shadow:var(--card-shadow)}
.verdict h2{margin-top:0}
.verdict-grid,.proscons{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.verdict-grid h3,.proscons h3{margin-top:0}
.verdict-offer{display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between;background:var(--brand-soft);border-radius:14px;padding:16px;margin-top:8px}
.verdict-offer p{margin:0;flex:1 1 320px}
.ticks,.crosses{list-style:none;padding:0}
.ticks li,.crosses li{position:relative;padding-left:26px}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--brand);font-weight:800}
.crosses li::before{content:"✕";position:absolute;left:2px;color:#c2410c;font-weight:800}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .crosses li::before{color:#f0a46d}}
:root[data-theme="dark"] .crosses li::before{color:#f0a46d}
article.page{max-width:none}

/* tablet + mobile */
@media (max-width:1100px){.offer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:900px){
  .feat-grid,.tide-band,.compare-cards{grid-template-columns:1fr}
  .page-hero{grid-template-columns:1fr}
  .page-hero-img{justify-self:start;max-width:220px}
  .tide-band-img{max-width:300px}
}
@media (max-width:620px){
  .offer-grid,.tide-links,.related,.verdict-grid,.proscons{grid-template-columns:1fr}
  .page-hero-img{display:none}
  .ocard-xl .ohead{font-size:26px}
  .tide-band{padding:20px}
}

/* ===== v0.5: comparison-led home ===== */
.quickfind{display:flex;flex-wrap:wrap;gap:10px;margin-top:4px}
.qf{display:inline-flex;align-items:center;gap:10px;min-height:52px;padding:0 18px 0 8px;border-radius:14px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);color:var(--hero-ink);text-decoration:none;font-weight:600;transition:background .18s,border-color .18s,transform .18s var(--ease)}
.qf:hover{background:rgba(111,227,180,.14);border-color:var(--mint);transform:translateY(-2px)}
.qf-ico{width:38px;height:38px;border-radius:10px;background:var(--mint-soft);display:grid;place-items:center}
.qf-ico svg,.need-ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.qf-ico svg{stroke:var(--mint)}
.pfine{font-size:12.5px;color:#5b6b64;margin:10px 0 0}
.pfine a{color:#0f5c45}
.kicker-light{color:var(--mint)}

/* finder + table */
.finder{display:flex;flex-wrap:wrap;align-items:center;gap:12px 16px;margin-bottom:14px;padding:12px;background:var(--card);border:1px solid var(--line);border-radius:16px}
.seg{display:inline-flex;background:var(--soft);border-radius:12px;padding:4px;gap:4px;flex-wrap:wrap}
.seg-btn{border:0;background:transparent;color:var(--ink-2);font:600 14.5px var(--font);padding:0 14px;min-height:44px;border-radius:9px;cursor:pointer;transition:background .15s,color .15s}
.seg-btn.is-on{background:var(--card);color:var(--ink);box-shadow:0 1px 3px rgba(0,0,0,.12)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1.5px solid var(--line);background:var(--card);color:var(--ink-2);font:600 14px var(--font);padding:0 14px;min-height:44px;border-radius:999px;cursor:pointer;transition:all .15s}
.chip:hover{border-color:var(--brand)}
.chip.is-on{background:var(--brand);color:var(--brand-ink);border-color:var(--brand)}
.chip.is-on::before{content:"✓ "}
.finder-count{margin:0 0 0 auto;font-size:14px;color:var(--muted)}
.ctable-wrap{border:1px solid var(--line);border-radius:18px;overflow:hidden;background:var(--card);box-shadow:var(--card-shadow)}
.ctable{width:100%;border-collapse:collapse;font-size:14.5px;background:transparent}
.ctable th,.ctable td{border:0;border-bottom:1px solid var(--line);padding:14px 12px;vertical-align:middle;text-align:left}
.ctable thead th{background:var(--soft);font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.ctable tbody tr{transition:background .15s}
.ctable tbody tr:hover{background:var(--brand-soft)}
.ctable tbody tr:last-child th,.ctable tbody tr:last-child td{border-bottom:0}
.row-feat{background:linear-gradient(90deg,rgba(35,48,216,.07),transparent 60%)}
.row-feat th{box-shadow:inset 4px 0 0 var(--tide-blue)}
.acc{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.acc strong{font-size:16px}
.tlogo{height:24px;width:auto}
.acc-suits{display:block;font-size:12.5px;color:var(--muted);font-weight:400;margin-top:4px}
.sub{display:block;font-size:12.5px;color:var(--muted)}
.prot{display:inline-block;padding:3px 9px;border-radius:999px;font-size:12.5px;font-weight:600;line-height:1.4}
.prot-fscs{background:#e2f4ea;color:#0b5233}
.prot-emoney{background:#fff1dc;color:#7a4a05}
.prot-check{background:#ececec;color:#3d3d3d}
.cta-cell{white-space:nowrap}
.cta-cell .btn-row{display:flex;min-height:44px;padding:0 14px;border-radius:10px;background:var(--accent);color:var(--accent-ink);font-size:14px}
.cta-cell .btn-row-plain{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.cta-cell .btn-row-plain:hover{border-color:var(--ink)}
.cta-cell .small,.cta-cell .src{display:inline-block;margin:6px 10px 0 0;font-size:12.5px}
.cta-cell .src{color:var(--muted)}
.otag-plain{color:var(--muted)}
.table-note{font-size:13px;color:var(--muted);margin-top:10px}
@media (max-width:980px){
  .ctable thead{display:none}
  .ctable,.ctable tbody,.ctable tr,.ctable th,.ctable td{display:block;width:100%}
  .ctable tbody tr{border-bottom:1px solid var(--line);padding:14px 16px}
  .ctable tbody tr[hidden]{display:none}
  .ctable th,.ctable td{border:0;padding:6px 0}
  .ctable td[data-label]{display:grid;grid-template-columns:120px 1fr;gap:10px}
  .ctable td[data-label]::before{content:attr(data-label);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);padding-top:2px}
  .cta-cell{white-space:normal;padding-top:10px!important}
  .row-feat th{box-shadow:none}
  .row-feat{box-shadow:inset 4px 0 0 var(--tide-blue)}
  .finder-count{margin-left:0}
}

/* need tiles */
.need-grid{gap:14px}
.need{position:relative;padding:20px 20px 46px;border-radius:18px;overflow:hidden;box-shadow:var(--card-shadow)}
.need::after{content:"";position:absolute;inset:0;border-radius:inherit;padding:1.5px;background:linear-gradient(135deg,var(--brand),var(--tide-blue));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:0;transition:opacity .2s}
.need:hover::after{opacity:1}
.need:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(10,30,24,.14)}
.need-ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;margin-bottom:8px;color:#fff}
.ni-1{background:linear-gradient(135deg,#0f5c45,#2e9b74)}.ni-2{background:linear-gradient(135deg,#2330d8,#5a66f0)}.ni-3{background:linear-gradient(135deg,#c2410c,#f08a4b)}.ni-4{background:linear-gradient(135deg,#6b21a8,#a259e6)}
.need-go{position:absolute;right:18px;bottom:16px;font-style:normal;font-weight:700;color:var(--brand);transition:transform .2s var(--ease)}
.need:hover .need-go{transform:translateX(5px)}

/* method band */
.how-band{background:radial-gradient(600px 300px at 90% 0%,rgba(111,227,180,.16),transparent 60%),linear-gradient(160deg,var(--hero-bg),var(--hero-bg-2));background-color:var(--hero-bg);color:var(--hero-ink);border-radius:24px;padding:36px 28px}
.how-head h2{color:var(--hero-ink);margin:0 0 6px}
.how-head p{color:var(--hero-muted);margin:0 0 22px}
.how-steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;counter-reset:none}
.how-steps li{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:20px;margin:0;transition:transform .2s var(--ease),border-color .2s}
.how-steps li:hover{transform:translateY(-4px);border-color:var(--mint)}
.how-steps h3{color:var(--hero-ink);margin:10px 0 6px;font-size:18px}
.how-steps p{color:var(--hero-muted);margin:0;font-size:15px}
.how-n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--mint);color:#0b1f1a;font-weight:800}
.how-link{display:inline-block;margin-top:18px;color:var(--mint);font-weight:700;text-decoration:none}
.how-link:hover span{display:inline-block;transform:translateX(4px)}

/* faq */
.split-faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:32px;align-items:start}
.split-faq h2{margin-top:0}
.faq details{border-radius:14px;margin:0 0 10px;transition:border-color .15s,box-shadow .15s}
.faq details:hover{border-color:var(--brand)}
.faq details[open]{box-shadow:var(--card-shadow)}
.faq summary{list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--soft);display:grid;place-items:center;font-weight:700;transition:transform .2s var(--ease),background .2s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg);background:var(--brand);color:var(--brand-ink)}

/* timeline */
.timeline{list-style:none;padding:0;margin:0;border-left:2px solid var(--line);margin-left:6px}
.timeline li{position:relative;padding:0 0 18px 22px;margin:0}
.timeline li::before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 4px var(--brand-soft)}
.timeline time{font-size:13px;font-weight:700;color:var(--brand)}
.timeline p{margin:2px 0 0}

/* rel-card extra line */
.rel-card em{font-style:normal;font-size:13px;color:var(--muted)}

/* footer groups */
.site-footer{background:var(--hero-bg);color:var(--hero-muted);border-top:0}
.site-footer a{color:var(--hero-ink)}
.site-footer strong{color:var(--hero-ink)}
.foot-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:6px 0 22px;padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-grid h2{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--mint);margin:0 0 10px}
.foot-grid a{display:block;padding:5px 0;text-decoration:none}
.foot-grid a:hover{text-decoration:underline}
@media (max-width:900px){.how-steps,.split-faq{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.qf{flex:1 1 100%}.how-band{padding:26px 18px}}

/* v0.6 */
.tcard{transition:none}
.otag-raf{color:#6b21a8;border-color:#e3d3f5;background:#f6effd}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .otag-raf{color:#e2c9ff;background:#2a1d3a;border-color:#4a3566}}
:root[data-theme="dark"] .otag-raf{color:#e2c9ff;background:#2a1d3a;border-color:#4a3566}
.hero-card-label{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--mint);margin:0 0 10px;text-align:center}
.hero-visual{flex-direction:column;align-items:center}
.ast{color:inherit;font-weight:700}
.tide-duo{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.tide-tile{position:relative;overflow:hidden;border-radius:20px;padding:24px;color:#fff;background-color:var(--tide-navy);background-image:linear-gradient(140deg,var(--tide-blue),var(--tide-navy));display:flex;flex-direction:column;gap:10px;min-height:340px;box-shadow:0 18px 40px rgba(14,26,122,.25);transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.tide-tile:hover{transform:translateY(-4px);box-shadow:0 26px 50px rgba(14,26,122,.32)}
.tide-tile .tt-top{display:flex;justify-content:space-between;align-items:center;gap:8px}
.tide-tile .tt-top img{height:26px;width:auto}
.tide-tile .tt-tag{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:rgba(255,255,255,.16);border-radius:999px;padding:4px 10px}
.tide-tile .tt-kind{margin:0;font-size:12.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:#c9cdfd}
.tide-tile .tt-head{margin:0;font-size:30px;font-weight:800;letter-spacing:-.02em;line-height:1.1}
.tide-tile ul{list-style:none;padding:0;margin:0;display:grid;gap:7px;font-size:14.5px;color:#e6e8ff;max-width:34em}
.tide-tile li{position:relative;padding-left:20px;margin:0}
.tide-tile li::before{content:"";position:absolute;left:2px;top:.55em;width:8px;height:8px;border-radius:2px;background:#9fe8c8}
.tide-tile .tt-cta{margin-top:auto;display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center;position:relative;z-index:1}
.tide-tile .tt-cta .btn{background:#fff;color:var(--tide-navy)}
.tide-tile .tt-cta .btn:hover{background:#9fe8c8}
.tide-tile .tt-cta a:not(.btn){color:#fff}
.tide-tile .tt-fine{font-size:12.5px;color:#c9cdfd;margin:0;position:relative;z-index:1}
.tide-tile .tt-fine a{color:#fff}
.tide-tile .tt-img{position:absolute;right:-30px;bottom:-30px;width:210px;height:auto;opacity:.95;pointer-events:none}
.tide-tile .tt-body{position:relative;z-index:1;max-width:72%}
.cot-wide{display:grid;grid-template-columns:1.2fr 1fr;gap:18px;align-items:center}
.cot-wide .ocard-cta{margin-top:0}
.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.art{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:var(--card);text-decoration:none;color:var(--ink);box-shadow:var(--card-shadow);transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.art:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(10,30,24,.14)}
.art-img{aspect-ratio:16/9;max-width:100%;display:grid;place-items:center;overflow:hidden;background:linear-gradient(140deg,var(--tide-blue),var(--tide-navy))}
.art-img img{width:72%;height:auto}
.art-img.g2{background:linear-gradient(140deg,#0f5c45,#2e9b74)}
.art-img.g3{background:linear-gradient(140deg,#c2410c,#f08a4b)}
.art-img svg{width:38%;height:auto}
.art-body{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px}
.art-body span{font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--brand)}
.art-body strong{font-size:17px;line-height:1.3}
.art-body em{font-style:normal;font-size:14px;color:var(--muted)}
.fig{margin:22px 0}
.fig img{width:100%;height:auto;border-radius:16px;background:linear-gradient(140deg,var(--tide-blue),var(--tide-navy))}
.fig figcaption{font-size:13px;color:var(--muted);margin-top:6px}
@media (max-width:900px){.tide-duo,.cot-wide{grid-template-columns:1fr}.articles{grid-template-columns:1fr 1fr}.tide-tile .tt-body{max-width:100%}.tide-tile .tt-img{width:150px;opacity:.35}}
@media (max-width:620px){.articles{grid-template-columns:1fr}}

.ctable-wrap{overflow-x:auto}
.ctable{min-width:980px}
.ctable td,.ctable th{font-size:14px}
.cta-cell{min-width:150px}
@media (max-width:980px){.ctable{min-width:0}}
.ctable{min-width:0;table-layout:auto}
.ctable tbody th[scope="row"]{width:24%;max-width:240px}
.acc-suits{max-width:220px}
.ctable td{max-width:150px}
.cta-cell{min-width:150px;max-width:none!important}
.tide-tile .tt-img{width:170px;right:-14px;bottom:-70px}
.tide-tile:nth-child(2) .tt-img{width:120px;bottom:-110px;right:4px}
.tide-tile .tt-body{max-width:66%}
.tide-tile .tt-cta{max-width:70%}
.tide-tile .tt-top{position:relative;z-index:2}
@media (max-width:900px){.tide-tile .tt-cta{max-width:100%}}

.ctable tbody th{background:transparent;font-weight:400}
.otag.hold{padding:3px 9px;margin:0;border-width:1px}
.otag.hold::before{content:"HELD: ";display:inline;font-size:11px;margin:0}

/* v0.6.1: card layout fix for the comparison table at tablet / side-panel widths */
@media (max-width:980px){
  .ctable td,.ctable th{max-width:none!important}
  .ctable tbody th[scope="row"]{width:auto}
  .acc-suits{max-width:none}
  .ctable td[data-label]{display:grid;grid-template-columns:130px minmax(0,1fr);gap:12px;align-items:start}
  .ctable .cv{min-width:0}
  .ctable .sub{display:block}
  .cta-cell{display:flex!important;flex-wrap:wrap;align-items:center;gap:6px 14px}
  .cta-cell .btn-row{flex:1 1 100%}
  .cta-cell .small,.cta-cell .src{margin:0}
}
@media (max-width:420px){.ctable td[data-label]{grid-template-columns:104px minmax(0,1fr)}}

/* v0.7: nav CTA hover, light Tide duo tiles */
.nav a.nav-cta:hover,.mnav nav a.nav-cta:hover{background:var(--accent);color:var(--accent-ink)!important;filter:none}
.tide-tile{background:var(--card);background-image:radial-gradient(420px 260px at 100% 100%,var(--brand-soft),transparent 70%);color:var(--ink);border:1px solid var(--line);box-shadow:var(--card-shadow)}
.tide-tile:hover{box-shadow:0 18px 40px rgba(10,30,24,.14);border-color:var(--brand)}
.tide-tile .tt-tag{background:var(--brand-soft);color:var(--brand)}
.tide-tile .tt-kind{color:var(--muted)}
.tide-tile .tt-head{color:var(--ink)}
.tide-tile ul{color:var(--ink-2)}
.tide-tile li::before{background:var(--brand)}
.tide-tile .tt-cta .btn{background:var(--accent);color:var(--accent-ink)}
.tide-tile .tt-cta .btn:hover{background:var(--brand);color:var(--brand-ink)}
.tide-tile .tt-cta a:not(.btn){color:var(--brand)}
.tide-tile .tt-fine,.tide-tile .tt-fine a{color:var(--muted)}
.tide-tile .tt-img{filter:drop-shadow(0 12px 22px rgba(10,30,24,.18))}

.tide-band{background:linear-gradient(135deg,var(--brand-soft),var(--card));border-color:var(--line)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .tide-band{background:linear-gradient(135deg,var(--brand-soft),var(--card));border-color:var(--line)}}
:root[data-theme="dark"] .tide-band{background:linear-gradient(135deg,var(--brand-soft),var(--card));border-color:var(--line)}

/* v0.8: glass hero card, equal article tiles */
.tcard-glass{background:linear-gradient(160deg,rgba(255,255,255,.10),rgba(255,255,255,.04));background-color:rgba(12,40,32,.55);color:var(--hero-ink);border:1px solid rgba(255,255,255,.16);border-radius:22px;box-shadow:0 24px 60px rgba(0,0,0,.35),inset 0 1px 0 rgba(255,255,255,.12);backdrop-filter:blur(14px) saturate(1.2);-webkit-backdrop-filter:blur(14px) saturate(1.2);overflow:hidden;position:relative}
.tcard-glass::before{content:"";position:absolute;inset:-40% -30% auto auto;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(111,227,180,.22),transparent 65%);pointer-events:none}
.tcard-glass .tcard-band{background:none;background-color:transparent;padding:18px 22px 0;position:relative}
.tcard-glass .tcard-band img{height:26px}
.tcard-glass .tcard-band .ptag{background:var(--mint-soft);color:var(--mint);border:1px solid rgba(111,227,180,.3)}
.tcard-glass .tcard-body{padding:14px 22px 20px;position:relative}
.tcard-glass .pamount{color:#fff}
.tcard-glass .pamount .upto,.tcard-glass .pcaption{color:var(--hero-muted)}
.tcard-glass .pcode{background:rgba(255,255,255,.06);border:1.5px dashed rgba(111,227,180,.6);color:#fff}
.tcard-glass .copy{background:var(--mint);color:#0b1f1a}
.tcard-glass .psteps li{color:#e8f1ed}
.tcard-glass .pill{background:var(--mint-soft);color:var(--mint);border:1px solid rgba(111,227,180,.3)}
.tcard-glass .pbtn{background:var(--cta);color:var(--cta-ink);box-shadow:0 6px 20px rgba(255,122,61,.28)}
.tcard-glass .pbtn:hover{background:#ff8f5c}
.tcard-glass .pfine{color:var(--hero-muted)}
.tcard-glass .pfine a{color:#fff}
.tcard-glass .pstatus{color:var(--mint)}
.hero-card-label{display:none}
.articles{grid-auto-rows:1fr}
.art{height:100%}
.art-img{aspect-ratio:auto;height:190px;flex:0 0 190px}
.art-img img{width:auto;max-width:80%;max-height:85%;object-fit:contain}
.art-img svg{width:auto;height:46%}
.art-body{flex:1}

.art-img{background:linear-gradient(140deg,var(--brand-soft),var(--soft))}
.art-img.g2{background:linear-gradient(140deg,#0f5c45,#2e9b74)}
.art-img.g3{background:linear-gradient(140deg,#c2410c,#f08a4b)}
.art-img img{filter:drop-shadow(0 10px 18px rgba(10,30,24,.18))}

.art-img img{max-height:165px;max-width:82%;width:auto;height:auto}

/* compare page components */
.section-tight{margin:28px 0 8px}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0 6px}
.stat{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:var(--card-shadow);display:flex;flex-direction:column;gap:4px;transition:transform .2s var(--ease)}
.stat:hover{transform:translateY(-3px)}
.stat-n{font-size:34px;font-weight:800;letter-spacing:-.03em;color:var(--brand);line-height:1}
.stat-l{font-size:14px;color:var(--ink-2)}
.stat-note{color:var(--muted);margin:0 0 8px}
.split-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:12px 0 18px}
.sc{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:var(--card-shadow)}
.sc h3{margin:10px 0 6px}
.sc p{margin:0;font-size:15.5px}
.sc-ico{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;color:#fff}
.sc-ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.factor-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:12px 0 18px}
.factor{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px;transition:transform .2s var(--ease),border-color .2s}
.factor:hover{transform:translateY(-3px);border-color:var(--brand)}
.factor h3{margin:8px 0 4px;font-size:17px}
.factor p{margin:0;font-size:14.5px;color:var(--ink-2)}
.f-n{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:9px;background:var(--brand-soft);color:var(--brand);font-weight:800}
.bar{display:flex;gap:4px;margin:14px 0;border-radius:12px;overflow:hidden;min-height:44px}
.bar-seg{display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;padding:0 8px;text-align:center;white-space:nowrap;overflow:hidden}
.seg-fscs{background:#e2f4ea;color:#0b5233}.seg-emoney{background:#fff1dc;color:#7a4a05}.seg-check{background:#ececec;color:#3d3d3d}
.persona-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:12px 0 22px}
.persona{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px;display:flex;flex-direction:column;gap:6px;transition:transform .2s var(--ease),box-shadow .2s}
.persona:hover{transform:translateY(-3px);box-shadow:var(--card-shadow)}
.persona h3{margin:0;font-size:16.5px}
.persona p{margin:0;font-size:14.5px;color:var(--ink-2);flex:1}
.persona a{font-weight:600;font-size:14.5px}
.feature-callout{display:grid;grid-template-columns:1.4fr .6fr;gap:18px;align-items:center;background:linear-gradient(135deg,var(--brand-soft),var(--card));border:1px solid var(--line);border-radius:20px;padding:24px;margin:28px 0}
.feature-callout h2{margin-top:0}
.feature-callout img{width:100%;max-width:220px;height:auto;justify-self:center;filter:drop-shadow(0 12px 22px rgba(10,30,24,.18))}
.timeline-steps{list-style:none;padding:0;margin:12px 0 18px;display:grid;gap:10px}
.timeline-steps li{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px 16px;margin:0}
.timeline-steps h3{margin:0 0 4px;font-size:16.5px}
.timeline-steps p{margin:0;font-size:15px;color:var(--ink-2)}
.ts-n{flex:0 0 34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:var(--brand-ink);font-weight:800}
.mini-offer{display:flex;flex-wrap:wrap;gap:14px 20px;align-items:center;justify-content:space-between;border:2px solid var(--cot);border-radius:16px;padding:18px;background:var(--card);margin:12px 0 22px}
.mini-offer h3{margin:4px 0 6px}
.mini-offer>div{flex:1 1 380px}
.mini-offer .btn-out{flex:0 0 auto}
.glossary{display:grid;grid-template-columns:max-content 1fr;gap:8px 18px;margin:12px 0 20px}
.glossary dt{font-weight:700}
.glossary dd{margin:0;color:var(--ink-2)}
@media (max-width:900px){.stat-row{grid-template-columns:1fr 1fr}.factor-grid,.persona-grid{grid-template-columns:1fr 1fr}.feature-callout{grid-template-columns:1fr}.feature-callout img{max-width:160px}}
@media (max-width:620px){.split-cards,.factor-grid,.persona-grid{grid-template-columns:1fr}.glossary{grid-template-columns:1fr}.glossary dd{margin-bottom:8px}.bar-seg{font-size:11.5px}}

.page-hero-art{width:100%;max-width:300px;height:auto;justify-self:end}
@media (max-width:620px){.page-hero-art{display:none}}

.read-wide{max-width:100%}
.read-wide>p,.read-wide>ul,.read-wide>ol,.read-wide>h2,.read-wide>details,.read-wide>.toc,.read-wide>.glossary{max-width:760px}
.read-wide>details{max-width:900px}

/* v0.10 compare page: updated panel, quick picks, free-banking bars, table link */
.updated-panel{margin:8px 0 14px;padding:10px 14px;border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:10px;font-size:.92rem;color:var(--ink)}
.updated-panel p{margin:0}
.pick-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:6px 0 16px}
.pick{display:flex;flex-direction:column;gap:3px;padding:14px 16px;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--card-shadow);text-decoration:none;color:var(--ink);min-height:44px;transition:border-color .2s var(--ease)}
.pick:hover,.pick:focus-visible{border-color:var(--brand)}
.pick-k{font-size:.75rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--brand)}
.pick strong{font-size:1.08rem}
.pick-d{font-size:.85rem;color:var(--muted);line-height:1.35}
.table-more{margin:6px 0 0;font-weight:600}
.timeline-bars{display:flex;flex-direction:column;gap:8px;margin:10px 0 16px}
.tb{display:grid;grid-template-columns:90px 1fr;align-items:center;gap:10px}
.tb-l{font-weight:600;font-size:.9rem}
.tb-bar{display:block;width:var(--w);min-width:max-content;background:var(--brand);color:var(--brand-ink);border-radius:999px;padding:6px 12px;font-size:.82rem;font-weight:600;white-space:nowrap}
@media (max-width:980px){.pick-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.pick-grid{grid-template-columns:1fr}.tb{grid-template-columns:72px 1fr}.tb-bar{font-size:.75rem;padding:5px 10px}}
.table-scroll td .sub{display:block;font-size:.78rem;color:var(--muted)}
.table-scroll caption{white-space:normal;text-align:left}
@media (max-width:520px){.pick-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.pick{padding:12px}.pick-d{display:none}.pick strong{font-size:.98rem}}
@media (max-width:520px){.table-scroll th,.table-scroll td{padding:8px 6px;font-size:.86rem}}

/* v0.14 section bands: alternate soft backgrounds, full-bleed, so sections don't blend */
:root{--band-a:#eef6f2;--band-b:#f5f1ea;--band-line:rgba(15,92,69,.08)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--band-a:#13201b;--band-b:#1b1a17;--band-line:rgba(255,255,255,.06)}}
:root[data-theme="dark"]{--band-a:#13201b;--band-b:#1b1a17;--band-line:rgba(255,255,255,.06)}
.read .sect{padding:30px 0 22px;margin:0;position:relative}
.read .sect:nth-of-type(3n+1){background:var(--band-a);box-shadow:0 0 0 100vmax var(--band-a);clip-path:inset(0 -100vmax)}
.read .sect:nth-of-type(3n+2){background:var(--paper);box-shadow:0 0 0 100vmax var(--paper);clip-path:inset(0 -100vmax)}
.read .sect:nth-of-type(3n){background:var(--band-b);box-shadow:0 0 0 100vmax var(--band-b);clip-path:inset(0 -100vmax)}
.read .sect>h2:first-child{margin-top:0}
.read .sect + .sect{border-top:1px solid var(--band-line)}
main .wrap>section.section:nth-of-type(odd){background:var(--band-a);box-shadow:0 0 0 100vmax var(--band-a);clip-path:inset(0 -100vmax)}
main .wrap>section.section:nth-of-type(even){background:var(--band-b);box-shadow:0 0 0 100vmax var(--band-b);clip-path:inset(0 -100vmax)}
main .wrap>section.section{padding-top:44px;padding-bottom:44px;margin-top:0;margin-bottom:0}
a.tcs{font-size:.8em;white-space:nowrap;color:var(--muted);text-decoration:underline;text-underline-offset:2px}
a.tcs:hover{color:var(--ink)}

/* v0.14 USP carousel (hero strip) */
.usp-strip{border-top:1px solid rgba(255,255,255,.08);overflow:hidden;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.usp-track{display:flex;width:max-content;animation:usp-scroll 48s linear infinite}
.usp-strip:hover .usp-track,.usp-strip:focus-within .usp-track{animation-play-state:paused}
.usp-list{display:flex;gap:14px;list-style:none;margin:0;padding:14px 7px}
.usp-list li{display:flex;align-items:center;gap:10px;white-space:nowrap;font-size:14px;color:var(--hero-ink);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:999px;padding:8px 16px 8px 8px}
.usp-i{display:inline-grid;place-items:center;min-width:30px;height:30px;padding:0 6px;border-radius:999px;background:var(--mint-soft);color:var(--mint);font-weight:700;font-size:12px}
@keyframes usp-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.usp-track{animation:none;width:auto;flex-wrap:wrap}.usp-list[aria-hidden]{display:none}.usp-list{flex-wrap:wrap;justify-content:center}.usp-strip{-webkit-mask-image:none;mask-image:none}}

/* v0.14 pricing tiles */
.price-tiles{display:grid;grid-template-columns:1.12fr 1fr 1fr;gap:18px;align-items:stretch;margin-top:8px}
.ptile{position:relative;display:flex;flex-direction:column;gap:10px;background:var(--card);border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:var(--card-shadow);transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease);transform-origin:center}
.ptile:hover,.ptile:focus-within{transform:scale(1.035);box-shadow:0 18px 40px rgba(10,40,30,.16);border-color:var(--brand);z-index:2}
.ptile-feat{border:2px solid var(--brand);padding-top:30px;background:linear-gradient(180deg,var(--band-a),var(--card) 45%)}
.ptile-flag{position:absolute;top:-13px;left:20px;margin:0;background:var(--cta);color:var(--cta-ink);font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:5px 12px;border-radius:999px}
.ptile-top{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:34px}
.ptile-name{font-size:1.15rem}
.ptile-price{margin:4px 0 0;display:flex;align-items:baseline;gap:6px}
.ptile-price strong{font-size:2.4rem;line-height:1;letter-spacing:-.02em}
.ptile-price span{color:var(--muted);font-size:.95rem}
.ptile-note{margin:0;color:var(--muted);font-size:.88rem}
.ptile-offer{margin:4px 0 0;padding:10px 12px;border-radius:12px;background:var(--soft);font-weight:600;font-size:.93rem}
.ptile-feat .ptile-offer{background:var(--mint-soft)}
.ptile-usps{list-style:none;margin:4px 0 0;padding:0;display:flex;flex-direction:column;gap:8px;flex:1}
.ptile-usps li{position:relative;padding-left:26px;font-size:.93rem;line-height:1.4}
.ptile-usps li::before{content:"";position:absolute;left:0;top:2px;width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat}
.ptile-cta{display:flex;flex-direction:column;gap:10px;margin-top:8px}
.ptile-cta .btn{width:100%;justify-content:center}
.ptile-cta>a:not(.btn){font-size:.9rem;text-align:center}
.tiles-more{text-align:center;margin:26px 0 6px}
@media (max-width:980px){.price-tiles{grid-template-columns:1fr;max-width:560px;margin-inline:auto}.ptile:hover,.ptile:focus-within{transform:scale(1.015)}}
@media (prefers-reduced-motion:reduce){.ptile{transition:none}.ptile:hover,.ptile:focus-within{transform:none}}
.btn-cta{background:var(--cta);color:var(--cta-ink);border-color:var(--cta)}
.btn-cta:hover{filter:brightness(1.05);color:var(--cta-ink)}

/* v0.14 Tide page banners, floating tile, CASS badge */
.offer-banner{display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;margin:30px 0 8px;padding:18px 20px;border-radius:18px;background:linear-gradient(120deg,#0f5c45,#14402f);color:#fff;box-shadow:0 14px 30px rgba(10,40,30,.18)}
.offer-banner img{display:block}
.ob-head{margin:0;font-weight:700;font-size:1.08rem;color:#fff}
.ob-sub{margin:4px 0 0;font-size:.88rem;color:rgba(255,255,255,.82)}
.ob-sub a{color:#fff}
.ob-cta{display:flex;gap:10px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.offer-banner .copy{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.3)}
@media (max-width:760px){.offer-banner{grid-template-columns:1fr;text-align:left}.ob-cta{justify-content:flex-start}.ob-cta .btn{flex:1;justify-content:center}}
.float-offer{position:fixed;right:18px;top:50%;transform:translate(130%,-50%);width:220px;z-index:40;background:var(--card);border:2px solid var(--brand);border-radius:18px;padding:16px;box-shadow:0 18px 44px rgba(10,30,20,.25);transition:transform .35s var(--ease);text-align:center}
.float-offer.show{transform:translate(0,-50%)}
.float-offer img{margin:0 auto 6px;display:block}
.fo-amt{margin:4px 0 2px;font-size:1rem}
.fo-amt strong{font-size:1.6rem}
.fo-code{margin:0 0 10px;font-size:.9rem}
.float-offer .btn{width:100%;justify-content:center;font-size:.95rem}
.fo-fine{margin:8px 0 0;font-size:.75rem;color:var(--muted)}
.float-close{position:absolute;top:6px;right:8px;width:30px;height:30px;border:0;background:transparent;color:var(--muted);font-size:20px;cursor:pointer;border-radius:8px}
.float-close:hover{background:var(--soft)}
@media (max-width:1180px){.float-offer{display:none}}
@media (prefers-reduced-motion:reduce){.float-offer{transition:none}}
.hero-media{display:flex;flex-direction:column;align-items:flex-end;gap:10px;justify-self:end}
.hero-media .page-hero-img{justify-self:auto}
.cass-badge{display:flex;align-items:center;gap:8px;max-width:300px;padding:6px 10px 6px 6px;background:#fff;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:#1b2420;font-size:12px;line-height:1.3;font-weight:600}
.cass-badge img{width:84px;height:auto;flex:none}
@media (max-width:760px){.hero-media{align-items:flex-start;justify-self:start}}

/* v0.14 cookie banner */
.cookie-banner{position:fixed;left:16px;bottom:16px;z-index:60;max-width:440px;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:16px;padding:16px 18px;box-shadow:0 20px 50px rgba(0,0,0,.22)}
.cookie-banner p{margin:0 0 12px;font-size:.92rem}
.cb-btns{display:flex;gap:10px;flex-wrap:wrap}
.cb-btns .btn{flex:1;justify-content:center}
@media (max-width:520px){.cookie-banner{left:8px;right:8px;bottom:8px;max-width:none}}
body.has-sticky .cookie-banner{bottom:84px}
.foot-grid{grid-template-columns:repeat(5,1fr)}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.review-strip{margin:26px 0 6px}
.review-strip h3{margin:0 0 12px;font-size:1.05rem}
.related-8{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
@media (max-width:900px){.related-8{grid-template-columns:repeat(2,minmax(0,1fr))}}
.btn-ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.btn-ghost:hover{background:var(--brand);color:var(--brand-ink)}
.cookie-banner .btn{min-height:44px;font-size:.95rem}