:root{
  --ink:#1C2B27; --ink-2:#33443F; --muted:#56655F; --soft:#5E6E68;
  --line:#DCE6E0; --fog:#F5F8F6; --paper:#FFFFFF;
  --leaf:#0B7553; --leaf-2:#095C42; --em:#0E8A62; --em-2:#12A472; --leaf-soft:#E7F5EE; --mint-2:#CBE8DA; --mint-3:#7FE0B5;
  --dark:#0F2621; --dark-2:#0A1C18;
  --saffron:#F4B740; --saffron-soft:#FFF4DA; --brick:#A3402A;
  --font-display:"Inter Tight","Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --r-lg:22px; --r-md:14px; --r-sm:9px;
  --shadow:0 1px 2px rgba(28,43,39,.06),0 22px 44px -24px rgba(28,43,39,.30);
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);font-size:1.03rem;line-height:1.68;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--leaf);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--leaf-2)}
h1,h2,h3{font-family:var(--font-display);color:var(--ink);margin:0 0 .5em;letter-spacing:-.02em}
h2{font-size:clamp(1.9rem,3.5vw,2.8rem);line-height:1.08;font-weight:750;letter-spacing:-.03em;max-width:24ch}
h3{font-size:1.25rem;line-height:1.22;font-weight:650;letter-spacing:-.01em}
p{margin:0 0 1em;max-width:68ch}
ul,ol{padding-left:1.2em}
strong{font-weight:650}
:focus-visible{outline:3px solid var(--saffron);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:10001;font-weight:700}
.skip:focus{left:12px}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(18px,4vw,40px)}
.section{padding-block:clamp(64px,8vw,104px)}
.bg-mint{background:var(--leaf-soft)}
.bg-fog{background:var(--fog)}
.intro{font-size:1.125rem;color:var(--muted);max-width:62ch}
.small{font-size:.9rem;color:var(--muted)}
.ic{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none;display:inline-block;vertical-align:middle}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.accent{color:var(--leaf)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:13px 28px;border-radius:999px;font:700 1rem/1.2 var(--font-body);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background-color .18s ease,border-color .18s ease,color .18s ease;touch-action:manipulation}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--em);color:#fff}
.btn-outline{border-color:var(--ink);color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--leaf-soft);color:var(--ink)}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-sm{min-height:44px;padding:9px 20px;font-size:.95rem}
.pill-link{display:inline-flex;align-items:center;gap:8px;min-height:40px;padding:7px 16px;border-radius:999px;background:var(--leaf-soft);color:var(--leaf);font-weight:650;font-size:.95rem;text-decoration:none}
.pill-link:hover{background:var(--mint-2);color:var(--leaf-2)}
.pill-link .ic{width:16px;height:16px}

/* Header */
.site-header{position:sticky;top:0;z-index:10000;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:20px;height:76px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:800 1.32rem/1 var(--font-display);letter-spacing:-.03em}
.logo em{font-style:normal;color:var(--leaf);font-weight:600}
.logo:hover{color:var(--ink)}
.site-nav{margin-inline:auto}
.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{display:block;padding:10px 14px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:500;font-size:.96rem}
.site-nav a:hover{color:var(--leaf);background:var(--leaf-soft)}
.nav-toggle{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);cursor:pointer;align-items:center;justify-content:center}
@media (max-width:1040px){
  .nav-toggle{display:inline-flex}
  .site-nav{position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none;margin:0}
  .site-nav.is-open{display:block}
  .site-nav ul{flex-direction:column;padding:10px clamp(18px,4vw,40px) 18px}
  .site-nav a{padding:13px 10px;font-size:1.02rem}
  .header-cta{display:none}
}

/* Hero */
.hero{background:radial-gradient(55% 75% at 82% 45%,#E9F7F0 0%,rgba(233,247,240,0) 70%),#fff;overflow:hidden}
.hero-inner{display:grid;grid-template-columns:1fr 1.08fr;gap:clamp(32px,5vw,64px);align-items:center;padding-block:clamp(40px,6vw,84px) clamp(56px,7vw,96px)}
.hero h1{font-size:clamp(2.7rem,5vw,4.3rem);font-weight:800;line-height:1.03;letter-spacing:-.035em;max-width:13ch;margin-bottom:24px}
.hero h1 .accent{display:block}
.hero-lead{font-size:clamp(1.08rem,1.5vw,1.2rem);color:var(--ink-2);max-width:46ch;margin-bottom:30px}
.hero-ctas{display:flex;flex-direction:column;align-items:flex-start;gap:14px;margin-bottom:26px}
.assure{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;padding:0;margin:0;font-size:.93rem;color:var(--muted)}
.assure li{display:flex;align-items:center;gap:8px}
.assure .ic{color:var(--leaf);width:18px;height:18px}

.hero-visual{position:relative;padding:92px 34px 78px 56px;max-width:600px;justify-self:end;width:100%}
.portal{position:relative;z-index:1;display:grid;grid-template-columns:132px 1fr;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 34px 70px -34px rgba(28,43,39,.42);overflow:hidden;font-size:.84rem}
.portal-side{background:var(--fog);border-right:1px solid var(--line);padding:16px 10px}
.portal-side .ps-logo{width:30px;height:30px;border-radius:8px;background:var(--ink);display:grid;place-items:center;margin:0 0 18px 6px}
.portal-side ul{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.portal-side li{display:flex;align-items:center;gap:8px;padding:8px;border-radius:8px;color:var(--muted);font-size:.8rem}
.portal-side li .ic{width:15px;height:15px}
.portal-side li.on{background:#fff;color:var(--ink);font-weight:650;box-shadow:0 1px 2px rgba(0,0,0,.06)}
.portal-main{padding:18px 18px 16px}
.pm-hi{margin:0;font-weight:700;font-size:.95rem}
.pm-addr{margin:0 0 12px;color:var(--muted);font-size:.76rem}
.pm-bill{border:1px solid var(--line);border-radius:12px;padding:6px 12px;margin-bottom:12px}
.pm-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px dashed var(--line);font-size:.8rem;color:var(--ink-2)}
.pm-row:last-child{border-bottom:0}
.pm-row.total{font-weight:750;color:var(--ink);font-size:.86rem}
.pm-label{margin:0 0 8px;font-weight:650;font-size:.8rem}
.pm-opt{display:flex;align-items:center;gap:10px;border:1px solid var(--line);border-radius:12px;padding:9px 11px;margin-bottom:8px}
.pm-opt b{display:block;font-size:.82rem}
.pm-opt small{display:block;color:var(--muted);font-size:.72rem}
.pm-opt .radio{width:16px;height:16px;border-radius:50%;border:2px solid #A9B8B2;flex:none}
.pm-opt.sel{border:2px solid var(--leaf);background:var(--leaf-soft)}
.pm-opt.sel .radio{border:5px solid var(--leaf)}
.pm-tag{margin-left:auto;background:var(--leaf);color:#fff;border-radius:999px;padding:3px 9px;font-size:.68rem;font-weight:700}
.pm-btn{display:inline-block;min-width:150px;text-align:center;background:var(--ink);color:#fff;border-radius:999px;padding:9px;font-weight:700;font-size:.82rem;margin-top:4px}
.ph{position:absolute;z-index:2;border-radius:22px;overflow:hidden;border:5px solid #fff;box-shadow:0 18px 36px -16px rgba(28,43,39,.45);background:var(--leaf-soft)}
.ph img{width:100%;height:100%;object-fit:cover}
.ph-1{width:112px;height:116px;top:0;right:96px}
.ph-2{width:128px;height:132px;left:0;bottom:6px}
.ph-3{width:136px;height:144px;right:0;bottom:0}
.ph-1 img{object-position:50% 30%}.ph-2 img{object-position:50% 25%}.ph-3 img{object-position:50% 30%}

/* Feature band */
.features{display:grid;grid-template-columns:repeat(4,1fr)}
.feature{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:20px;text-align:center;padding:42px 26px 46px;background:var(--leaf-soft);color:var(--ink)}
.feature:nth-child(even){background:var(--em);color:#fff}
.feature svg{width:140px;height:114px}
.feature p{margin:0;font-weight:650;font-size:1.02rem;line-height:1.45;max-width:24ch}

/* Trust strip */
.trust ul{list-style:none;margin:0;padding:22px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px 0}
.trust li{display:flex;align-items:center;gap:10px;font-size:.92rem;line-height:1.35;color:var(--ink-2);padding:0 18px;border-left:1px solid var(--line)}
.trust li:first-child{border-left:0;padding-left:0}
.trust .ic{color:var(--leaf)}

/* Apply / form */
.apply-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(32px,5vw,64px);align-items:start}
.rounded-photo{margin:0;border-radius:var(--r-lg);overflow:hidden;background:var(--mint-2)}
.rounded-photo img{width:100%;height:100%;object-fit:cover}
.form-photo{aspect-ratio:16/9;margin:22px 0 6px}
.steps-mini{list-style:none;padding:0;margin:26px 0 22px;counter-reset:s}
.steps-mini li{position:relative;padding:0 0 22px 58px;counter-increment:s}
.steps-mini li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--leaf);color:#fff;display:grid;place-items:center;font:800 1.05rem var(--font-display)}
.steps-mini li:not(:last-child)::after{content:"";position:absolute;left:19px;top:44px;bottom:4px;width:2px;background:var(--mint-2)}
.steps-mini h3{margin:6px 0 4px;font-size:1.12rem}
.steps-mini p{margin:0;color:var(--muted)}
.form-box{position:relative;z-index:0;isolation:isolate;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden}
.form-head{background:var(--ink);color:#fff;padding:20px 24px}
.form-head p{margin:0;color:rgba(255,255,255,.8);font-size:.92rem}
.form-head .form-title{font:750 1.35rem/1.2 var(--font-display);color:#fff;margin:0 0 4px}
.form-body{padding:18px 18px 8px;min-height:420px}
.form-loading{display:flex;align-items:center;gap:10px;padding:14px;color:var(--muted);font-size:.95rem}
.form-loading::before{content:"";width:18px;height:18px;border-radius:50%;border:3px solid var(--mint-2);border-top-color:var(--leaf);animation:spin .9s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.form-foot{display:flex;flex-wrap:wrap;gap:8px 20px;padding:14px 22px;border-top:1px solid var(--line);background:var(--fog);font-size:.84rem;color:var(--muted)}
.form-foot span{display:flex;align-items:center;gap:6px}
.form-foot .ic{width:15px;height:15px;color:var(--leaf)}

/* Stats */
.stats-band{padding-block:56px}
.stats{display:grid;grid-template-columns:repeat(5,1fr);list-style:none;margin:0;padding:28px 8px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow)}
.stats li{padding:0 22px;border-left:1px solid var(--line)}
.stats li:first-child{border-left:0}
.stats b{display:block;font:800 clamp(1.9rem,3.2vw,2.6rem)/1 var(--font-display);color:var(--leaf);letter-spacing:-.03em;margin-bottom:6px}
.stats span{font-size:.9rem;color:var(--muted);line-height:1.35;display:block}
.stats-src{margin:14px 0 0;font-size:.8rem;color:var(--muted);text-align:center;max-width:none}

/* Photo split section */
.split-photo{display:grid;grid-template-columns:1fr 1fr;background:var(--leaf-soft)}
.split-photo__media{position:relative;margin:0;min-height:560px;background:var(--mint-2)}
.split-photo__media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 35%}
.split-photo__panel{padding:clamp(48px,6vw,88px) clamp(22px,5vw,72px);max-width:680px}

/* Grid children may shrink below content width */
.cols>*,.cols-even>*,.apply-grid>*,.reviews>*,.calc>*,.tabpanel>*,.hero-inner>*,.how>*,.partners>*,.split-photo>*{min-width:0}
.cols{display:grid;grid-template-columns:1.25fr .95fr;gap:clamp(32px,5vw,64px);align-items:start}
.cols-even{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px);align-items:start}

/* Byline */
.byline{display:flex;align-items:center;gap:12px;margin:0 0 22px;font-size:.88rem;color:var(--muted)}
.byline .avatar{width:42px;height:42px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font:800 .95rem var(--font-display);flex:none}
.byline strong{color:var(--ink)}

/* Ledger fact sheet */
.ledger{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:8px 22px 14px;margin-top:26px}
.ledger-title{font:750 1.1rem var(--font-display);color:var(--ink);margin:14px 0 6px}
.ledger dl{margin:0}
.ledger div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.ledger div:last-child{border-bottom:0}
.ledger dt{color:var(--muted)}
.ledger dd{margin:0;font-weight:650;color:var(--ink);text-align:right}
.cols > .ledger{margin-top:0}

/* Tabs */
.tabs{margin-top:34px}
.tablist{display:flex;gap:8px;overflow-x:auto;padding-bottom:6px;scrollbar-width:thin}
.tablist button{flex:none;display:inline-flex;align-items:center;gap:8px;min-height:46px;padding:10px 18px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink);font:600 .95rem var(--font-body);cursor:pointer;transition:background-color .2s,color .2s,border-color .2s}
.tablist button .ic{width:18px;height:18px;color:var(--leaf)}
.tablist button[aria-selected="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.tablist button[aria-selected="true"] .ic{color:var(--mint-3)}
.tabpanel{margin-top:18px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3.5vw,38px);display:grid;grid-template-columns:1.35fr 1fr;gap:clamp(22px,4vw,48px)}
.tabpanel[hidden]{display:none}
.tabpanel h3{font-size:1.6rem}
.tabpanel .facts{list-style:none;margin:0;padding:0;display:grid;gap:10px;align-content:start}
.tabpanel .facts li{display:flex;gap:12px;align-items:center;background:var(--leaf-soft);border-radius:12px;padding:13px 16px;font-weight:600;color:var(--ink)}
.tabpanel .facts .ic{color:var(--leaf)}

/* Ticks */
.ticks{list-style:none;padding:0;margin:0 0 1.2em}
.ticks li{position:relative;padding-left:32px;margin-bottom:10px}
.ticks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--mint-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2318764D' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.crosses li::before{background:#F7E3DE url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A3402A' stroke-width='3.2' stroke-linecap='round'%3E%3Cpath d='M18 6 6 18M6 6l12 12'/%3E%3C/svg%3E") center/11px no-repeat}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);background:#fff;margin:6px 0 14px}
table{width:100%;border-collapse:collapse;min-width:560px;font-size:.96rem}
table.tight{min-width:0}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--ink);color:#fff;font:650 .95rem var(--font-display);letter-spacing:0}
tbody th{font-weight:650;color:var(--ink)}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#FAFCFB}
.table-note{font-size:.84rem;color:var(--muted)}
td.hl{background:var(--leaf-soft);font-weight:700;color:var(--leaf-2)}

/* Product details */
.detail + .detail{margin-top:clamp(56px,7vw,88px);padding-top:clamp(56px,7vw,88px);border-top:1px solid var(--line)}
.detail-photo{aspect-ratio:16/9;margin:0 0 20px}
.note{background:var(--fog);border-left:4px solid var(--leaf);border-radius:0 12px 12px 0;padding:14px 18px;font-size:.95rem;margin:14px 0}
.note p:last-child{margin:0}
.warn{border-left-color:var(--brick)}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px}
.three > div{padding-top:16px;border-top:3px solid var(--leaf)}
.three h3{font-size:1.1rem;margin-bottom:6px}
.three p{color:var(--muted);margin:0;font-size:.97rem}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:12px 0 16px}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 13px;font-size:.88rem;font-weight:600;color:var(--ink)}

/* Partners */
.partners{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(32px,5vw,64px);align-items:center}
.partners .rounded-photo{aspect-ratio:4/5}
.stack{display:grid;gap:18px;margin-top:22px}
.stack > div{display:flex;gap:14px;align-items:flex-start;padding:18px;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
.stack .ic{color:var(--leaf);width:24px;height:24px;margin-top:2px}
.stack h3{font-size:1.08rem;margin:0 0 4px}
.stack p{margin:0;color:var(--muted);font-size:.96rem}

/* How it works (steps + live plan widget) */
.how{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,80px);align-items:center;margin-top:30px}
.how-steps{list-style:none;margin:0;padding:0}
.how-steps li{padding:22px 0;border-bottom:1px solid var(--line)}
.how-steps .step-n{display:block;font-size:.85rem;font-weight:700;color:var(--soft);margin-bottom:4px}
.how-steps h3{font-size:1.3rem;font-weight:500;color:var(--soft);margin:0 0 4px}
.how-steps p{margin:0;color:var(--muted);font-size:.97rem}
.how-steps li.is-active{border-bottom:2px solid var(--leaf)}
.how-steps li.is-active .step-n{color:var(--leaf)}
.how-steps li.is-active h3{color:var(--ink);font-weight:650}
.plan-card{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:26px 26px 20px}
.plan-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:18px}
.plan-title{margin:0;font:700 1.15rem var(--font-display)}
.plan-amt{margin:0;font:800 1.5rem var(--font-display);color:var(--leaf)}
.plan-n{display:flex;justify-content:center;gap:10px;margin-bottom:22px}
.plan-n button{width:50px;height:50px;border-radius:12px;border:1px solid var(--line);background:#fff;font:750 1.1rem var(--font-display);color:var(--ink);cursor:pointer;transition:background-color .2s,color .2s,border-color .2s}
.plan-n button[aria-checked="true"]{background:var(--leaf);border-color:var(--leaf);color:#fff}
.stepper{list-style:none;margin:0 0 20px;padding:0;display:grid;grid-auto-flow:column;grid-auto-columns:1fr;position:relative}
.stepper li{display:flex;flex-direction:column;align-items:center;gap:6px;position:relative;text-align:center}
.stepper li:not(:last-child)::after{content:"";position:absolute;top:33px;left:calc(50% + 17px);right:calc(-50% + 17px);height:2px;background:var(--mint-2)}
.st-amt{font:700 .95rem var(--font-display);color:var(--ink)}
.st-dot{width:32px;height:32px;border-radius:50%;border:2px solid var(--leaf);display:grid;place-items:center;font:700 .85rem var(--font-display);color:var(--leaf);background:#fff;position:relative;z-index:1}
.stepper li:first-child .st-dot{background:var(--leaf);color:#fff}
.st-date{font-size:.8rem;color:var(--muted)}
.cal{display:grid;grid-template-columns:repeat(7,1fr);gap:4px;margin:0 auto 12px;max-width:340px;padding:12px;border:1px solid var(--line);border-radius:14px}
.cal .cal-title{grid-column:1/-1;text-align:center;font-size:.78rem;font-weight:700;color:var(--ink);margin-bottom:4px}
.cal .dow{font-size:.66rem;text-align:center;color:var(--muted);font-weight:600}
.cal [data-day]{width:32px;height:32px;justify-self:center;display:grid;place-items:center;border-radius:50%;font-size:.78rem;color:var(--ink-2);transition:background-color .25s,color .25s}
.cal [data-day].is-pay{background:var(--leaf-soft);color:var(--leaf);font-weight:750;box-shadow:inset 0 0 0 1px var(--mint-2)}
.cal [data-day].is-first{background:var(--leaf);color:#fff;box-shadow:none}
.split-note{margin:4px 0 0;font-size:.78rem;line-height:1.45;color:var(--muted);text-align:center}

/* Timeline */
.timeline{list-style:none;padding:0;margin:36px 0 26px;display:grid;grid-template-columns:repeat(5,1fr);position:relative}
.timeline::before{content:"";position:absolute;top:13px;left:0;right:0;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--leaf) 0 40%,var(--saffron) 40% 80%,var(--brick) 80%)}
.timeline li{position:relative;padding:40px 14px 0 0}
.timeline li::before{content:"";position:absolute;top:4px;left:0;width:22px;height:22px;border-radius:50%;background:#fff;border:4px solid var(--ink)}
.timeline .when{display:block;font:750 1.05rem/1.2 var(--font-display);color:var(--ink);margin-bottom:4px}
.timeline .what{font-size:.93rem;color:var(--muted);line-height:1.45}

/* Fee boxes */
.fee-boxes{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:26px 0}
.fee-box{border:1px solid var(--line);border-radius:var(--r-md);padding:18px;background:#fff}
.fee-box b{display:block;font:800 2rem/1 var(--font-display);color:var(--leaf);margin-bottom:8px;letter-spacing:-.02em}
.fee-box span{font-size:.92rem;color:var(--muted);display:block;line-height:1.45}

/* Calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);background:#fff;margin-top:28px}
.calc-controls{padding:clamp(22px,3.5vw,36px);display:grid;gap:22px}
.calc label,.calc legend{display:block;font-weight:650;color:var(--ink);margin-bottom:8px}
.calc fieldset{border:0;padding:0;margin:0}
.amount-row{display:block}
.amount-out{display:block;font:800 2.2rem/1 var(--font-display);color:var(--ink);margin-bottom:8px;letter-spacing:-.02em}
input[type=range]{width:100%;accent-color:var(--leaf);height:28px}
.range-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted)}
.pick{display:flex;gap:8px;flex-wrap:wrap}
.pick label{margin:0}
.pick input{position:absolute;opacity:0;pointer-events:none}
.pick span{display:inline-flex;align-items:center;min-height:44px;padding:9px 16px;border:1px solid var(--line);border-radius:10px;font-weight:600;color:var(--ink);cursor:pointer;background:#fff}
.pick input:checked + span{background:var(--leaf);border-color:var(--leaf);color:#fff}
.pick input:focus-visible + span{outline:3px solid var(--saffron);outline-offset:2px}
.calc-out{background:var(--ink);color:#fff;padding:clamp(22px,3.5vw,36px);display:flex;flex-direction:column}
.calc-out dl{margin:0 0 18px}
.calc-out div{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px dashed rgba(255,255,255,.22)}
.calc-out dt{color:rgba(255,255,255,.8)}
.calc-out dd{margin:0;font:750 1.15rem var(--font-display);text-align:right}
.calc-out .big dd{font-size:1.6rem;color:var(--mint-3)}
.calc-out p{color:rgba(255,255,255,.75);font-size:.84rem}
.calc-out .btn{margin-top:auto;align-self:flex-start}

/* Callout */
.callout{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--leaf-soft);border:1px solid var(--mint-2);border-radius:var(--r-md);padding:20px 24px;margin-top:30px}
.callout p{margin:0;max-width:60ch}
.callout strong{color:var(--ink)}

/* Portals */
.portals{list-style:none;padding:0;margin:28px 0 18px;display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.portals li{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff}
.portals b{display:block;font:750 1.08rem var(--font-display);color:var(--ink);margin-bottom:4px}
.portals span{font-size:.86rem;color:var(--muted);line-height:1.4;display:block}

/* Protections */
.protect{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:0 48px}
.protect li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.protect .ic{color:var(--leaf);margin-top:3px}
.protect b{display:block;color:var(--ink);margin-bottom:2px}
.protect span{color:var(--muted);font-size:.96rem}

/* Personas (photo cards) */
.personas{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:28px}
.persona{border-radius:var(--r-md);background:#fff;border:1px solid var(--line);overflow:hidden}
.persona img{width:100%;aspect-ratio:4/3;object-fit:cover;background:var(--mint-2)}
.persona-body{padding:18px 20px 22px}
.persona h3{font-size:1.1rem}
.persona p{margin:0;color:var(--muted);font-size:.96rem}

/* Reviews */
.reviews{display:grid;grid-template-columns:.8fr 1.6fr;gap:clamp(28px,4vw,56px);margin-top:26px;align-items:start}
.ratings{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:26px}
.rating{padding:14px 0;border-bottom:1px dashed rgba(255,255,255,.22)}
.rating:last-of-type{border-bottom:0}
.rating b{font:800 2.6rem/1 var(--font-display);color:#fff;margin-right:8px}
.rating .stars{display:inline-flex;gap:2px;vertical-align:middle}
.rating .stars .ic{width:16px;height:16px;fill:var(--saffron);stroke:var(--saffron)}
.rating p{margin:6px 0 0;color:rgba(255,255,255,.8);font-size:.9rem}
.ratings .small{color:rgba(255,255,255,.65);margin:12px 0 0}
.themes{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.theme{border:1px solid var(--line);border-radius:var(--r-md);padding:20px;background:#fff}
.theme h3{font-size:1.08rem;margin-bottom:6px}
.theme p{margin:0 0 10px;color:var(--ink);font-size:.97rem}
.theme cite{font-style:normal;font-size:.82rem;color:var(--muted)}
.theme.con{background:var(--fog)}

/* Sources */
.sources{columns:2;column-gap:40px;padding-left:1.1em;margin:18px 0 0}
.sources li{margin-bottom:10px;break-inside:avoid;font-size:.96rem}

/* FAQ */
.faq{max-width:860px;margin-top:26px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:20px 0;font:650 1.15rem/1.3 var(--font-display);color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:30px;height:30px;border-radius:50%;background:var(--leaf-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2318764D' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .answer{padding:0 0 20px}
.faq .answer p{margin:0;color:var(--ink)}

/* Final CTA (dark band) */
.final{background:var(--dark);color:#fff}
.final-inner{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.final h2{color:#fff;font-size:clamp(2.2rem,4.6vw,3.6rem);max-width:16ch;margin-bottom:12px}
.final h2 .accent{color:var(--mint-3)}
.final p{color:rgba(255,255,255,.82);margin:0}
.final .btn-row{display:flex;gap:12px;flex-wrap:wrap}

/* Footer */
.site-footer{background:var(--dark-2);color:#B9CDC4;font-size:.92rem;padding-block:56px 30px}
.site-footer a{color:#E6F2EA;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-grid .logo{color:#fff;margin-bottom:14px}
.foot-grid .logo em{color:var(--mint-3)}
.foot-title{font:700 1rem var(--font-display);color:#fff;margin:0 0 12px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:8px}
.disclosure{padding-top:24px;font-size:.82rem;line-height:1.6;color:#A5BCB1}
.disclosure p{max-width:none}

/* Sticky apply bar + back to top */
.sticky-apply{position:fixed;left:0;right:0;bottom:0;z-index:9000;background:#fff;border-top:1px solid var(--line);padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:none;transform:translateY(110%);transition:transform .25s ease}
.sticky-apply .btn{width:100%}
.sticky-apply.is-visible{transform:none}
.to-top{position:fixed;right:24px;bottom:24px;z-index:9000;width:50px;height:50px;border-radius:50%;border:0;background:var(--ink);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.to-top.is-visible{opacity:1;visibility:visible}
@media (max-width:767px){.sticky-apply{display:block}.to-top{display:none}body{padding-bottom:72px}}

/* Responsive */
@media (max-width:1040px){
  .hero-inner{grid-template-columns:1fr}
  .hero-visual{justify-self:center;max-width:560px}
  .features{grid-template-columns:repeat(2,1fr)}
  .trust ul{grid-template-columns:repeat(2,1fr)}
  .trust li:nth-child(3){border-left:0;padding-left:0}
  .apply-grid,.cols,.cols-even,.calc,.reviews,.how,.partners{grid-template-columns:1fr}
  .partners .rounded-photo{aspect-ratio:16/9}
  .split-photo{grid-template-columns:1fr}
  .split-photo__media{min-height:340px}
  .split-photo__panel{max-width:none}
  .stats{grid-template-columns:repeat(3,1fr)}
  .portals{grid-template-columns:repeat(3,1fr)}
  .personas{grid-template-columns:repeat(2,1fr)}
  .fee-boxes{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .tabpanel{grid-template-columns:1fr}
}
@media (max-width:700px){
  .hero-visual{padding:44px 6px 70px 6px}
  .portal{grid-template-columns:1fr}
  .portal-side{display:none}
  .ph-1{display:none}
  .ph-2{width:92px;height:96px;left:-4px;bottom:0}
  .ph-3{width:96px;height:104px;right:-4px;bottom:-8px}
  .timeline{grid-template-columns:1fr;margin-left:4px}
  .timeline::before{top:0;bottom:0;left:9px;right:auto;width:4px;height:auto;background:linear-gradient(180deg,var(--leaf) 0 40%,var(--saffron) 40% 80%,var(--brick) 80%)}
  .timeline li{padding:0 0 22px 42px}
  .timeline li::before{top:2px}
  .three,.protect,.themes{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr)}
  .portals{grid-template-columns:repeat(2,1fr)}
  .personas{grid-template-columns:1fr}
  .sources{columns:1}
  .foot-grid{grid-template-columns:1fr}
  .plan-card{padding:22px 16px 18px}
}
@media (max-width:520px){
  .features{grid-template-columns:repeat(2,1fr)}
  .feature{padding:26px 12px 28px;gap:14px}
  .feature svg{width:96px;height:78px}
  .feature p{font-size:.86rem}
  .trust ul{grid-template-columns:1fr}
  .trust li{border-left:0;padding-left:0}
  .fee-boxes{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}

/* ===== v3 additions ===== */
.btn-arrow{padding:8px 8px 8px 28px;gap:16px}
.btn-arrow .arr{width:38px;height:38px;border-radius:50%;background:#fff;color:var(--ink);display:grid;place-items:center;flex:none;transition:transform .2s}
.btn-arrow:hover .arr{transform:translateX(3px)}
.btn-arrow .arr .ic{width:18px;height:18px}
.btn-light.btn-arrow .arr{background:var(--ink);color:#fff}
.works-in{display:flex;flex-wrap:wrap;align-items:center;gap:8px 10px;margin:4px 0 0;font-size:.85rem;color:var(--muted)}
.works-in ul{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:0}
.works-in li{border:1px solid var(--line);background:#fff;border-radius:999px;padding:4px 11px;font-weight:650;color:var(--ink);font-size:.82rem}

/* hero floating cards */
.hero-visual::before{content:"";position:absolute;z-index:0;inset:52px 10px 40px 70px;border-radius:36px;background:linear-gradient(150deg,#D7F0E3,#EEF8F3 60%,#fff);}
.float-card{position:absolute;z-index:3;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 18px 36px -18px rgba(28,43,39,.4);padding:10px 14px;display:flex;align-items:center;gap:10px;font-size:.8rem;line-height:1.25}
.float-card b{display:block;font:800 1.15rem/1 var(--font-display);color:var(--ink)}
.float-card small{display:block;color:var(--muted);font-size:.72rem}
.float-rating{top:30px;left:0}
.float-rating .stars{display:flex;gap:1px;margin-top:3px}
.float-rating .stars .ic{width:12px;height:12px;fill:var(--saffron);stroke:var(--saffron)}
.float-paid{bottom:22px;left:42%;transform:translateX(-50%)}
.float-paid .ok{width:30px;height:30px;border-radius:50%;background:var(--em);color:#fff;display:grid;place-items:center;flex:none}
.float-paid .ok .ic{width:16px;height:16px;stroke-width:3}
.pm-split{display:flex;gap:4px;margin-top:6px}
.pm-split span{flex:1;height:6px;border-radius:4px;background:var(--mint-2)}
.pm-split span:first-child{background:var(--em)}

/* product cards */
.pcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;transition:border-color .2s,box-shadow .2s}
.pcard:hover{border-color:var(--em);box-shadow:var(--shadow)}
.pc-ic{width:52px;height:52px;border-radius:14px;background:var(--leaf-soft);color:var(--leaf);display:grid;place-items:center;margin-bottom:18px}
.pcard:nth-child(3n+2) .pc-ic{background:var(--em);color:#fff}
.pc-ic .ic{width:26px;height:26px}
.pcard h3{font-size:1.3rem;margin-bottom:8px}
.pcard > p{color:var(--muted);font-size:.97rem;margin:0 0 16px}
.pc-facts{list-style:none;margin:0 0 20px;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.pc-facts li{background:var(--fog);border:1px solid var(--line);border-radius:999px;padding:4px 11px;font-size:.82rem;font-weight:600;color:var(--ink)}
.pc-more{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.94rem;color:var(--leaf);text-decoration:none}
.pc-more .ic{width:16px;height:16px}

/* phone mockup for the live plan widget */
.phone{position:relative;width:340px;max-width:100%;margin-inline:auto;background:var(--ink);border-radius:48px;padding:12px;box-shadow:0 40px 80px -36px rgba(28,43,39,.55)}
.phone::before{content:"";position:absolute;top:22px;left:50%;transform:translateX(-50%);width:96px;height:24px;border-radius:14px;background:var(--ink);z-index:2}
.phone-screen{background:#fff;border-radius:38px;padding:52px 18px 20px;overflow:hidden}
.phone .plan-card{border:0;box-shadow:none;padding:0;border-radius:0}
.phone .plan-head{margin-bottom:14px}
.phone .plan-n{margin-bottom:18px}
.phone .plan-n button{width:46px;height:46px}
.phone .cal{padding:10px 8px;max-width:none}
.phone .cal [data-day]{width:30px;height:30px;font-size:.76rem}
.how-visual{position:relative}
.how-visual::before{content:"";position:absolute;inset:8% 4% 6%;border-radius:40px;background:linear-gradient(160deg,#fff,#D7F0E3);z-index:0}
.how-visual .phone{z-index:1}

/* final CTA: emerald gradient with rings */
.final{position:relative;overflow:hidden;isolation:isolate;background:linear-gradient(120deg,#0B6E4E 0%,#0E8A62 55%,#12A472 100%)}
.final::before,.final::after{content:"";position:absolute;z-index:-1;border-radius:50%;border:2px solid rgba(255,255,255,.18)}
.final::before{width:520px;height:520px;right:-140px;top:-220px;box-shadow:0 0 0 60px rgba(255,255,255,.04),0 0 0 120px rgba(255,255,255,.03)}
.final::after{width:260px;height:260px;left:-80px;bottom:-140px}
.final h2 .accent{color:#CFF7E4}
.final p{color:rgba(255,255,255,.9)}

@media (max-width:1040px){
  .pcards{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(3,1fr);row-gap:22px}
  .stats li:nth-child(4){border-left:0}
}
@media (max-width:700px){
  .pcards{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stats li{border-left:0;padding:0 14px}
  .hero-visual::before{inset:30px 0 30px 0}
  .float-rating{top:4px;left:4px}
  .float-paid{bottom:14px}
  .btn-arrow{padding-left:22px}
}

/* ===== Multi-page additions ===== */
.site-nav a[aria-current="page"]{color:var(--leaf);background:var(--leaf-soft);font-weight:650}
.more-link{margin:24px 0 0;max-width:none}
.page-hero{background:radial-gradient(50% 90% at 88% 20%,#E9F7F0 0%,rgba(233,247,240,0) 70%),#fff;border-bottom:1px solid var(--line);padding-block:34px 44px}
.crumbs ol{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0 0 22px;font-size:.88rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:8px;color:#9AA9A3}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--leaf);text-decoration:underline}
.page-hero h1{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:800;letter-spacing:-.035em;line-height:1.04;max-width:20ch;margin-bottom:18px}
.page-hero h1 .accent{display:block}
.page-lead{font-size:clamp(1.05rem,1.4vw,1.18rem);color:var(--ink-2);max-width:64ch;margin-bottom:20px}
.page-meta{display:flex;align-items:center;flex-wrap:wrap;gap:6px 14px;font-size:.88rem;color:var(--muted);margin:0 0 24px}
.page-meta .avatar{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font:800 .8rem var(--font-display)}
.page-meta strong{color:var(--ink)}
.page-hero .hero-ctas{flex-direction:row;flex-wrap:wrap;align-items:center;margin:0}
.article{display:grid;grid-template-columns:230px minmax(0,1fr);gap:clamp(32px,5vw,64px);padding-block:clamp(44px,6vw,72px) clamp(64px,8vw,96px)}
.toc{position:sticky;top:100px;align-self:start;font-size:.9rem}
.toc-title{font:700 .95rem var(--font-display);margin:0 0 10px;color:var(--ink)}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc a{display:block;margin-left:-2px;padding:6px 0 6px 14px;border-left:2px solid transparent;color:var(--muted);text-decoration:none;line-height:1.35}
.toc a:hover{color:var(--leaf);border-left-color:var(--leaf)}
.prose{max-width:800px;min-width:0}
.prose > h2{font-size:clamp(1.6rem,2.8vw,2.1rem);margin:56px 0 14px;scroll-margin-top:96px}
.prose > h2:first-child{margin-top:0}
.prose h3{margin-top:24px}
.prose .table-wrap{margin:16px 0 14px}
.prose .faq{max-width:none;margin-top:8px}
.prose .ledger{margin-top:16px}
.prose .themes{margin:18px 0 8px}
.prose .calc{margin:22px 0 8px}
.prose .sources{columns:1}
.answer-box{background:var(--leaf-soft);border:1px solid var(--mint-2);border-radius:var(--r-lg);padding:24px 26px;margin-bottom:8px}
.answer-box p:last-child,.answer-box ul:last-child{margin-bottom:0}
.ab-title{font:750 1.1rem var(--font-display);color:var(--leaf);margin:0 0 8px}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:16px 0 8px}
.pros-cons > div{border:1px solid var(--line);border-radius:var(--r-md);padding:20px 22px;background:#fff}
.pros-cons h3{margin-top:0}
.pros-cons .ticks{margin-bottom:0}
.related{background:var(--fog);padding-block:clamp(56px,7vw,88px)}
.related .pcards{margin-top:24px}
/* Wordmark: Option A, split weight (text only) */
.logo{gap:0;font:800 1.625rem/1 var(--font-display);letter-spacing:-.03em;color:var(--ink)}
.logo em{font-style:normal;font-weight:500;color:var(--leaf)}
.foot-grid .logo{font-size:1.75rem;color:#fff}
.foot-grid .logo em{color:var(--mint-3)}
.foot-grid{grid-template-columns:1.3fr repeat(4,1fr)}
@media (max-width:1040px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid > div:first-child{grid-column:1 / -1}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.form-legal{margin:0;padding:12px 22px 16px;background:var(--fog);font-size:.8rem;color:var(--muted);max-width:none}
.page-meta a{color:var(--ink);font-weight:650}
.legal-hero .page-lead{margin-bottom:12px}
@media (max-width:1040px){
  .article{grid-template-columns:1fr}
  .toc{display:none}
}
@media (max-width:700px){
  .pros-cons{grid-template-columns:1fr}
  .page-hero .hero-ctas{flex-direction:column;align-items:flex-start}
}