/* ============================================================
   Figmetric design system v2 — "Ink, Paper & Mint"
   Palette: ink-navy #0A1628 · paper #FAFAF7 · electric mint #00E5A0
   Type: Space Grotesk (display) · Inter (body) · system fallbacks
   Vanilla CSS. Mobile-first. No build step.
   ============================================================ */
:root{
  --ink:#0A1628;
  --ink-2:#12233F;
  --ink-3:#1B3252;
  --paper:#FAFAF7;
  --card:#FFFFFF;
  --muted:#5B6B82;
  --faint:#8A97AB;
  --line:#E4E9F1;
  --line-soft:#EEF1F6;
  --mint:#00E5A0;
  --mint-deep:#00B57E;
  --mint-bg:#E6FDF4;
  --mint-ink:#065F46;
  --good:#059669; --good-bg:#ECFDF5;
  --warn:#D97706; --warn-bg:#FFFBEB;
  --bad:#E11D48;  --bad-bg:#FFF1F2;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 1px 3px rgba(10,22,40,.07),0 4px 14px rgba(10,22,40,.05);
  --shadow-lg:0 8px 30px rgba(10,22,40,.14);
  --font-display:"Space Grotesk",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --content:1060px;
  --content-narrow:880px;
}

/* ---------- base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--font-body);line-height:1.6;font-size:16px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:var(--font-display);line-height:1.22;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(28px,4.5vw,40px);font-weight:800}
h2{font-size:clamp(21px,3vw,27px);font-weight:700}
h3{font-size:19px;font-weight:700}
p{margin:0 0 1em}
a{color:var(--ink-3)}
img,svg,canvas{max-width:100%}
.num,.stat .v,.stat-hero .n,td,th{font-variant-numeric:tabular-nums}
.wrap{max-width:var(--content);margin:0 auto;padding:0 20px}
.wrap-narrow{max-width:var(--content-narrow);margin:0 auto;padding:0 20px}
section{scroll-margin-top:84px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- header ---------- */
.site-header{
  background:var(--ink);color:#fff;
  position:sticky;top:0;z-index:60;
  border-bottom:1px solid rgba(255,255,255,.08);
  box-shadow:0 2px 12px rgba(10,22,40,.25);
}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.brand{font-family:var(--font-display);font-weight:800;font-size:21px;letter-spacing:-.01em;color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:9px}
.brand .brand-mark{width:30px;height:30px;flex:none;display:block}
footer.site-footer .brand .brand-mark{width:26px;height:26px}
.brand em{font-style:normal;color:var(--mint)}
.site-nav{display:flex;gap:2px;flex-wrap:wrap;align-items:center}
.site-nav a{color:#C7D3E6;text-decoration:none;font-size:13.5px;font-weight:600;padding:8px 11px;border-radius:9px;white-space:nowrap}
.site-nav a:hover{background:rgba(255,255,255,.1);color:#fff}
.site-nav a[aria-current="page"]{background:rgba(0,229,160,.14);color:var(--mint)}

/* ---------- heroes ---------- */
.hero{
  background:
    radial-gradient(1100px 420px at 85% -10%,rgba(0,229,160,.16),transparent 60%),
    radial-gradient(800px 380px at 8% 110%,rgba(0,229,160,.07),transparent 55%),
    linear-gradient(180deg,var(--ink-2),var(--ink));
  color:#fff;padding:76px 0 84px;position:relative;overflow:hidden;
}
.hero .kicker{
  display:inline-flex;align-items:center;gap:8px;
  font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--mint);
  border:1px solid rgba(0,229,160,.35);border-radius:999px;padding:7px 14px;margin-bottom:20px;
  background:rgba(0,229,160,.07);
}
.hero h1{color:#fff;margin:0 0 14px;max-width:20ch}
.hero h1 em{font-style:normal;color:var(--mint)}
.hero .tagline{font-family:var(--font-display);font-size:clamp(18px,2.6vw,23px);font-weight:600;color:#fff;margin:0 0 12px}
.hero .subline{font-size:16.5px;color:#AFC0D8;margin:0;max-width:62ch}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero .meta-row{display:flex;gap:22px;flex-wrap:wrap;margin-top:34px;color:#8FA2BE;font-size:13.5px;font-weight:600}
.hero .meta-row b{color:#fff;font-weight:700}
@media(max-width:640px){.hero{padding:56px 0 64px}}

/* compact tool-page hero */
.hero--tool{padding:44px 0 40px}
.hero--tool h1{font-size:clamp(26px,4vw,34px)}
.hero--tool .lede{color:#AFC0D8;font-size:16.5px;max-width:64ch;margin:0}
.crumbs{font-size:13px;color:#8FA2BE;margin-bottom:14px;font-weight:600}
.crumbs a{color:#C7D3E6;text-decoration:none}
.crumbs a:hover{color:var(--mint)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  border:0;border-radius:12px;padding:14px 22px;min-height:52px;
  font-family:var(--font-body);font-size:15.5px;font-weight:700;cursor:pointer;text-decoration:none;
  transition:transform .12s ease,box-shadow .12s ease,background .12s ease;
  line-height:1.2;text-align:center;
}
.btn:active{transform:translateY(1px)}
.btn-mint{background:var(--mint);color:var(--ink);box-shadow:0 4px 16px rgba(0,229,160,.3)}
.btn-mint:hover{background:#2BF0B2;box-shadow:0 6px 20px rgba(0,229,160,.4)}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-3)}
.btn-ghost{background:#EDF1F7;color:var(--ink)}
.btn-ghost:hover{background:#E1E8F1}
.btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn-outline:hover{border-color:var(--mint);color:var(--mint)}
.btn-danger{background:var(--bad-bg);color:var(--bad);padding:10px 14px;min-height:44px;font-size:14px}
.btn-sm{padding:10px 16px;min-height:44px;font-size:14px;border-radius:10px}
.btn:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,a:focus-visible{
  outline:3px solid rgba(0,229,160,.55);outline-offset:2px;
}

/* ---------- cards & layout ---------- */
.sec{padding:52px 0 6px}
.sec-head{margin-bottom:26px}
.sec-head h2{margin:0 0 8px}
.sec-head .lede{color:var(--muted);font-size:16.5px;margin:0;max-width:66ch}
.cat{
  font-family:var(--font-display);font-size:15px;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;color:var(--muted);
  margin:36px 0 16px;display:flex;align-items:center;gap:10px;
}
.cat::after{content:"";flex:1;height:1px;background:var(--line)}
.cat:first-of-type{margin-top:4px}

.app-card,.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:clamp(20px,3.5vw,30px);margin:0 0 24px;
}
.app-card--dark{background:var(--ink-2);border-color:rgba(255,255,255,.1);color:#E8EEF7}
.app-card--dark h2,.app-card--dark h3{color:#fff}

.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:760px){.grid2,.grid3{grid-template-columns:1fr}}

/* homepage tool grid with icons */
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){.calc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.calc-grid{grid-template-columns:1fr}}
.tool-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:22px;display:flex;flex-direction:column;gap:10px;
  text-decoration:none;color:var(--ink);
  transition:transform .14s ease,box-shadow .14s ease,border-color .14s ease;
  position:relative;overflow:hidden;
}
.tool-card::before{
  content:"";position:absolute;inset:0 0 auto 0;height:3px;
  background:linear-gradient(90deg,var(--mint),transparent 70%);
  opacity:0;transition:opacity .14s ease;
}
.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#C9D4E2}
.tool-card:hover::before{opacity:1}
.tool-card .icon{
  width:44px;height:44px;border-radius:13px;flex:none;
  background:linear-gradient(135deg,var(--ink-2),var(--ink-3));
  display:grid;place-items:center;
}
.tool-card .icon svg{width:24px;height:24px;display:block}
.tool-card h3{margin:0;font-size:16.5px}
.tool-card p{margin:0;font-size:14px;color:var(--muted);flex:1}
.tool-card .go{font-size:14px;font-weight:700;color:var(--mint-deep);display:inline-flex;align-items:center;gap:6px}

/* ---------- forms: thumb-friendly ---------- */
.field{margin-bottom:18px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.field-row{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:14.5px;margin-bottom:8px}
.hint{font-weight:400;color:var(--muted);font-size:13px;display:block;margin-top:6px;line-height:1.5}
input[type=text],input[type=number],input[type=email],select{
  width:100%;padding:13px 15px;min-height:52px;font-size:16.5px;
  border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);
  font-family:var(--font-body);transition:border-color .12s ease,box-shadow .12s ease;
}
input:hover,select:hover{border-color:#C4CEDD}
input:focus,select:focus{border-color:var(--mint-deep);box-shadow:0 0 0 4px rgba(0,229,160,.16);outline:none}
input[type=number]{font-variant-numeric:tabular-nums}

/* styled range sliders */
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:52px;background:transparent;cursor:pointer;margin:0;
  --p:50%;
}
input[type=range]::-webkit-slider-runnable-track{
  height:10px;border-radius:999px;
  background:linear-gradient(90deg,var(--mint) var(--p),#E2E8F0 var(--p));
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:30px;height:30px;border-radius:50%;
  background:#fff;border:3px solid var(--ink);margin-top:-10px;
  box-shadow:0 2px 8px rgba(10,22,40,.25);
}
input[type=range]::-moz-range-track{height:10px;border-radius:999px;background:#E2E8F0}
input[type=range]::-moz-range-progress{height:10px;border-radius:999px;background:var(--mint)}
input[type=range]::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--ink);
  box-shadow:0 2px 8px rgba(10,22,40,.25);
}
.slider-val{font-family:var(--font-display);font-weight:700;font-size:20px;color:var(--ink)}
.slider-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:2px}

/* dynamic rows (debts, cards, loans) */
.dyn-row{
  display:grid;gap:10px;align-items:end;
  padding:16px 0;border-top:1px solid var(--line-soft);
}
.dyn-row:first-of-type{border-top:0;padding-top:0}

/* ---------- results ---------- */
.results-head{display:flex;align-items:baseline;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-bottom:6px}
.results-head .hint{margin:0}

.stat-hero{
  background:linear-gradient(135deg,var(--ink-2),var(--ink));
  border-radius:var(--radius);padding:26px;color:#fff;margin:18px 0;
  position:relative;overflow:hidden;
}
.stat-hero::after{
  content:"";position:absolute;top:-60px;right:-60px;width:200px;height:200px;border-radius:50%;
  background:radial-gradient(circle,rgba(0,229,160,.28),transparent 70%);
}
.stat-hero .k{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#9DB1CC;margin-bottom:8px}
.stat-hero .n{font-family:var(--font-display);font-size:clamp(34px,6vw,52px);font-weight:800;color:var(--mint);line-height:1.05}
.stat-hero .s{font-size:14.5px;color:#C7D3E6;margin-top:8px;max-width:52ch}

.verdict{border-radius:14px;padding:18px 20px;font-size:16px;margin:18px 0;border:1px solid}
.verdict.good{background:var(--good-bg);border-color:#A7E3C7;color:#0B3B2C}
.verdict.neutral{background:#F1F4F9;border-color:var(--line);color:var(--ink-2)}
.verdict.warn{background:var(--warn-bg);border-color:#F0D9A8;color:#6B3D05}
.verdict b{font-variant-numeric:tabular-nums}

.result-card{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff;position:relative;overflow:hidden}
.result-card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:var(--line)}
.result-card.a::before{background:var(--ink)}
.result-card.b::before{background:var(--mint)}
.result-card h3{margin:0 0 12px;font-size:17.5px}
.stat{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:8px 0;border-top:1px dashed var(--line);font-size:15px}
.stat:first-of-type{border-top:0}
.stat .k{color:var(--muted)}
.stat .v{font-weight:700;font-variant-numeric:tabular-nums;text-align:right}
.stat .v.good{color:var(--good)}
.stat .v.bad{color:var(--bad)}

.bar-track{background:#E8EDF4;border-radius:9px;min-height:34px;position:relative;margin:8px 0 4px;overflow:hidden}
.bar-fill{min-height:34px;border-radius:9px;display:flex;align-items:center;justify-content:flex-end;
  padding:6px 12px;color:#fff;font-size:13.5px;font-weight:700;white-space:nowrap;min-width:76px;
  transition:width .7s cubic-bezier(.22,.8,.3,1)}
.bar-fill.a{background:linear-gradient(90deg,var(--ink-3),var(--ink))}
.bar-fill.b{background:linear-gradient(90deg,var(--mint-deep),#00D68F);color:var(--ink)}
.bar-fill.neg{background:linear-gradient(90deg,#C81E4A,var(--bad))}
.bar-label{font-size:14.5px;color:var(--muted);margin:12px 0 2px}

.callout{border-radius:12px;padding:14px 17px;font-size:14.5px;margin:14px 0;border:1px solid}
.callout.warn{background:var(--warn-bg);border-color:#F0D9A8;color:#6B3D05}
.callout.bad{background:var(--bad-bg);border-color:#F3B7C3;color:#8F1030}
.callout.ok{background:var(--good-bg);border-color:#A7E3C7;color:#0B3B2C}
.callout.info{background:#EFF4FB;border-color:#C9D8EC;color:var(--ink-2)}

/* tables */
.tblwrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px}
table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums;min-width:560px}
th,td{text-align:right;padding:9px 10px;border-bottom:1px solid var(--line-soft)}
th:first-child,td:first-child{text-align:left}
th{background:#F1F5F9;font-weight:700;font-size:13px;position:sticky;top:0}
tbody tr:hover td{background:#F8FAFD}

details{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff;overflow:hidden}
summary{cursor:pointer;padding:14px 18px;font-weight:700;font-size:15px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:20px;font-weight:400;color:var(--mint-deep);flex:none;transition:transform .15s ease}
details[open] summary::after{transform:rotate(45deg)}
details .tblwrap{padding:0 18px 18px}
.faq p{padding:0 18px 16px;margin:0;color:var(--muted);font-size:15px}

/* explainer / prose */
.explainer p,.explainer li{color:var(--muted);font-size:15.5px}
.explainer li{margin:8px 0}
.explainer strong{color:var(--ink)}
.prose{max-width:68ch}
.prose p,.prose li{font-size:16.5px;color:#33415A}
.prose li{margin:8px 0}
.prose h2{margin-top:38px}

/* affiliate */
.aff-slot{border:1.5px dashed #B9C6D8;background:#F4F8FD;border-radius:14px;padding:20px;margin:22px 0}
/* AFFILIATE SLOTS HIDDEN (2026-09-27): .aff-slot is display:none until approved CJ tracking links replace the affiliate.example placeholders.
   The JS affSlot() still emits "<!-- AFFILIATE SLOT: replace placeholder with approved program link -->" in the DOM as the drop-in marker.
   To re-enable: delete the next rule and set real hrefs in the per-page AFFILIATE_LINKS config. */
.aff-slot{display:none!important}
.aff-tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--muted);border:1px solid var(--line);border-radius:6px;padding:3px 9px;margin-bottom:10px;background:#fff}
.aff-slot .aff-text{margin:0 0 12px;font-size:15.5px}
.aff-slot .aff-note{font-size:12.5px;color:var(--muted);margin:12px 0 0}
.aff-line{font-size:12.5px;color:var(--muted);margin:18px 0 0}

/* methodology + updated */
.rel-list{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:10px}
.rel-list li{margin:0}
.rel-list a{font-weight:700}
.method{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:18px;line-height:1.6}
.method strong{color:var(--ink-2)}
.updated{font-size:12.5px;color:var(--faint);margin-top:14px}

/* error + test banner */
.error{color:var(--bad);font-size:14px;font-weight:600;margin-top:10px}
.test-banner{display:none;background:var(--bad);color:#fff;font-weight:700;padding:12px 16px;text-align:center;font-size:14.5px}

/* ---------- share card ---------- */
.share-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px;align-items:center}
.share-note{font-size:13px;color:var(--muted)}
#shareCanvas{display:none}

/* ---------- email capture ---------- */
.email-band{
  background:linear-gradient(135deg,var(--ink-2),var(--ink));
  border-radius:20px;padding:clamp(26px,4vw,40px);margin:52px 0 0;color:#fff;
  position:relative;overflow:hidden;
}
.email-band::before{
  content:"";position:absolute;top:-80px;right:-40px;width:280px;height:280px;border-radius:50%;
  background:radial-gradient(circle,rgba(0,229,160,.22),transparent 70%);
}
.email-band h2{color:#fff;margin:0 0 8px;position:relative}
.email-band h2 em{font-style:normal;color:var(--mint)}
.email-band p{color:#AFC0D8;font-size:15.5px;position:relative}
.email-band .privacy{font-size:12.5px;color:#8FA2BE;margin:12px 0 0;position:relative}

/* sticky bottom capture bar (homepage) */
.sticky-capture{
  position:fixed;left:0;right:0;bottom:0;z-index:55;
  background:rgba(10,22,40,.96);backdrop-filter:blur(8px);
  border-top:1px solid rgba(0,229,160,.25);
  transform:translateY(110%);transition:transform .3s ease;
  padding:12px 0;
}
.sticky-capture.show{transform:translateY(0)}
.sticky-capture .wrap{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.sticky-capture .t{color:#fff;font-weight:700;font-size:14.5px;flex:1;min-width:200px}
.sticky-capture .t span{color:var(--mint)}
.sticky-capture .x{background:none;border:0;color:#8FA2BE;font-size:20px;cursor:pointer;padding:8px;line-height:1}
body.has-capture{padding-bottom:0}

/* ---------- why strip / misc home ---------- */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:10px}
@media(max-width:760px){.why{grid-template-columns:1fr}}
.why-item{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.why-item .icon{width:40px;height:40px;border-radius:12px;background:var(--mint-bg);display:grid;place-items:center;margin-bottom:12px}
.why-item .icon svg{width:22px;height:22px}
.why-item h3{margin:0 0 8px;font-size:16.5px}
.why-item p{margin:0;font-size:14.5px;color:var(--muted)}

/* ---------- inline source links ---------- */
.src{display:block;font-size:12.5px;color:var(--muted,#5A6B87);margin-top:6px}
.src a{color:inherit;text-decoration:underline;text-underline-offset:2px}
.src a:hover{color:var(--accent,#1B7F5A)}

/* ---------- footer ---------- */
footer.site-footer{background:var(--ink);color:#8FA2BE;font-size:13.5px;padding:40px 0 46px;margin-top:64px}
footer.site-footer .wrap{display:flex;flex-direction:column;gap:10px;align-items:center;text-align:center}
footer.site-footer .disclaimer{font-size:13px;max-width:70ch;margin:0}
footer.site-footer .footer-links{margin:0;display:flex;gap:18px;flex-wrap:wrap;justify-content:center}
footer.site-footer .footer-links a{color:#C7D3E6;text-decoration:none;font-weight:600}
footer.site-footer .footer-links a:hover{color:var(--mint)}
footer.site-footer .brand{font-size:18px}

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

/* ---------- small screens ---------- */
@media(max-width:640px){
  body{font-size:15.5px}
  .sec{padding:40px 0 4px}
  .btn{width:100%}
  .share-row .btn{width:auto;flex:1}
  .site-nav a{padding:7px 9px;font-size:13px}
  .stat-hero{padding:22px 20px}
}

/* ============================================================
   Legacy shims — classes emitted by page scripts (kept verbatim
   so math/DOM logic never changes), mapped onto v2 tokens.
   ============================================================ */
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:clamp(20px,3.5vw,30px);margin:0 0 24px;
}
/* dynamic input rows (JS-generated) */
.debt-row,.promo-row,.loan-row{
  display:grid;gap:10px;align-items:end;
  padding:16px 0;border-top:1px solid var(--line-soft);
}
.debt-row{grid-template-columns:2fr 1.4fr 1fr 1.4fr auto}
.promo-row{grid-template-columns:2fr 1.4fr 1fr 1fr 1fr 1.2fr auto}
.loan-row{grid-template-columns:2fr 1fr 1.4fr auto}
.debt-row:first-of-type,.promo-row:first-of-type,.loan-row:first-of-type{border-top:0;padding-top:0}
@media(max-width:760px){
  .debt-row,.promo-row,.loan-row{grid-template-columns:1fr 1fr}
  .debt-row .remove-cell,.promo-row .remove-cell,.loan-row .remove-cell{grid-column:1/-1}
}
.radio-row{display:flex;gap:18px;flex-wrap:wrap;margin:6px 0 4px}
.radio-row label{display:flex;align-items:center;gap:8px;font-weight:600;font-size:15px;margin:0;cursor:pointer}
/* verdict modifiers */
.verdict.bad{background:var(--bad-bg);border-color:#F3B7C3;color:#8F1030}
.verdict.mid{background:var(--warn-bg);border-color:#F0D9A8;color:#6B3D05}
.verdict .big{font-size:24px;font-weight:800;display:block;margin-top:6px;font-variant-numeric:tabular-nums}
/* result-card accents emitted by scripts */
.result-card.stay::before{background:var(--bad)}
.result-card.move::before{background:var(--good)}
/* bar-fill color modifiers (original semantics preserved) */
.bar-fill.av,.bar-fill.put,.bar-fill.prog,.bar-fill.roth{background:linear-gradient(90deg,var(--ink-3),var(--ink))}
.bar-fill.grow,.bar-fill.extra,.bar-fill.new{background:linear-gradient(90deg,var(--mint-deep),#00D68F);color:var(--ink)}
.bar-fill.base,.bar-fill.cur{background:linear-gradient(90deg,#C81E4A,var(--bad))}
.bar-fill.sn,.bar-fill.trad{background:linear-gradient(90deg,#B45309,var(--warn));color:#fff}
/* timeline (promo-juggler) */
.tl-row{margin:10px 0}
.tl-meta{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:4px}
.tl-track{background:#E8EDF4;border-radius:8px;height:22px;position:relative;overflow:hidden}
.tl-fill{height:100%;border-radius:8px}
.tl-fill.ok{background:var(--good)}
.tl-fill.miss{background:var(--warn)}
.tl-tick{position:absolute;top:-2px;bottom:-2px;width:3px;background:var(--ink)}
/* prose helpers */
.meaning{font-size:14px;color:var(--muted);margin:6px 0 12px;max-width:62ch}
.order-list{margin:10px 0 0;padding-left:20px;font-size:14px;color:var(--muted)}
.order-list li{margin:3px 0}
.big-net{font-family:var(--font-display);font-size:34px;font-weight:800;font-variant-numeric:tabular-nums;color:var(--ink-2);margin:4px 0}
.takeaway{background:var(--good-bg);border:1px solid #A7E3C7;border-radius:12px;padding:18px 20px;margin:0 0 22px}
.takeaway h2{color:var(--mint-ink);margin:0 0 8px;font-size:18px}
.takeaway p{margin:0;color:var(--mint-ink);font-size:15.5px}
.chain{background:#EFF4FB;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:14px 0;font-size:15px;color:var(--ink)}
.chain b{color:var(--ink-2)}
/* tabs (take-home-pay W-4 tuner) */
.tabs{display:flex;gap:8px;margin:0 0 18px;flex-wrap:wrap}
.tab-btn{border:1.5px solid var(--line);background:#fff;border-radius:10px;padding:11px 18px;min-height:48px;
  font-size:15px;font-weight:700;cursor:pointer;color:var(--muted);font-family:var(--font-body)}
.tab-btn[aria-selected="true"]{background:var(--ink);color:#fff;border-color:var(--ink)}

/* ============================================================
   Figmetric design polish v3 — "cooler but professional"
   Stripe/Linear-level refinement. All progressive enhancement:
   nothing here hides content if JS is off.
   ============================================================ */

/* ---------- sticky nav: glass blur + shrink on scroll ---------- */
.site-header{
  background:rgba(10,22,40,.86);
  -webkit-backdrop-filter:blur(14px) saturate(1.2);
  backdrop-filter:blur(14px) saturate(1.2);
}
.site-header .wrap{transition:padding .2s ease}
.site-header.scrolled .wrap{padding-top:6px;padding-bottom:6px}
.site-header.scrolled{box-shadow:0 4px 20px rgba(10,22,40,.35)}

/* ---------- hero: animated orbs + home visual ---------- */
.hero::before,.hero::after{
  content:"";position:absolute;border-radius:50%;pointer-events:none;z-index:0;
  filter:blur(6px);
}
.hero::before{
  width:380px;height:380px;top:-140px;right:-100px;
  background:radial-gradient(circle,rgba(0,229,160,.12),transparent 65%);
  animation:orbA 18s ease-in-out infinite alternate;
}
.hero::after{
  width:480px;height:480px;bottom:-200px;left:-120px;
  background:radial-gradient(circle,rgba(0,180,255,.10),transparent 65%);
  animation:orbB 22s ease-in-out infinite alternate;
}
@keyframes orbA{from{transform:translate(0,0) scale(1)}to{transform:translate(-70px,50px) scale(1.12)}}
@keyframes orbB{from{transform:translate(0,0) scale(1)}to{transform:translate(60px,-40px) scale(1.08)}}
.hero .wrap{position:relative;z-index:1}

/* homepage hero split layout */
.hero--home .hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero-visual{position:relative;min-height:300px}
.hero-chart{
  width:100%;height:auto;display:block;border-radius:18px;
  background:linear-gradient(160deg,rgba(255,255,255,.06),rgba(255,255,255,.015));
  border:1px solid rgba(255,255,255,.12);
  box-shadow:0 24px 60px rgba(0,0,0,.35),inset 0 1px 0 rgba(255,255,255,.08);
}
.hero-chart .draw{stroke-dasharray:620;stroke-dashoffset:620;animation:draw 2.6s ease-out .3s forwards}
.hero-chart .fade{opacity:0;animation:fadeUp .8s ease-out forwards}
.hero-chart .fade.d1{animation-delay:.9s}.hero-chart .fade.d2{animation-delay:1.2s}.hero-chart .fade.d3{animation-delay:1.5s}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.chip{
  position:absolute;padding:10px 16px;border-radius:14px;
  background:rgba(18,35,63,.92);border:1px solid rgba(0,229,160,.35);
  -webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);
  box-shadow:0 12px 30px rgba(0,0,0,.4);
  font-size:13.5px;font-weight:700;color:#fff;white-space:nowrap;
  animation:float 5s ease-in-out infinite;
}
.chip b{color:var(--mint);font-variant-numeric:tabular-nums}
.chip small{display:block;font-size:11px;color:#8FA2BE;font-weight:600}
.chip-1{top:14px;left:14px;animation-delay:0s}
.chip-2{bottom:14px;right:14px;animation-delay:2.5s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
@media(max-width:940px){
  .hero--home .hero-inner{grid-template-columns:1fr;gap:30px}
  .hero-visual{max-width:440px}
  .hero--mega .hero-visual{padding-top:0}
  .chip-1{left:10px}.chip-2{right:10px}
}

/* ---------- reveal on scroll (JS adds .rv/.in) ---------- */
.rv{opacity:0;transform:translateY(18px);transition:opacity .55s ease,transform .55s cubic-bezier(.22,.8,.3,1)}
.rv.in{opacity:1;transform:none}
.rv[data-rd="1"]{transition-delay:.08s}.rv[data-rd="2"]{transition-delay:.16s}
.rv[data-rd="3"]{transition-delay:.24s}.rv[data-rd="4"]{transition-delay:.32s}
.rv[data-rd="5"]{transition-delay:.4s}

/* ---------- results entrance + stat-hero shimmer ---------- */
#results .stat-hero,#results .verdict,#results .result-card,#results .takeaway,#results .callout{
  animation:resultIn .5s cubic-bezier(.22,.8,.3,1) both;
}
#results .verdict{animation-delay:.06s}
#results .result-card{animation-delay:.12s}
@keyframes resultIn{from{opacity:0;transform:translateY(14px) scale(.995)}to{opacity:1;transform:none}}
.stat-hero{isolation:isolate}
.stat-hero::before{
  content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:linear-gradient(105deg,transparent 40%,rgba(255,255,255,.09) 50%,transparent 60%);
  transform:translateX(-100%);animation:shine 4.5s ease-in-out 1.2s infinite;
}
.stat-hero>*{position:relative;z-index:1}
@keyframes shine{0%{transform:translateX(-100%)}55%,100%{transform:translateX(100%)}}

/* ---------- buttons: hover micro-interactions ---------- */
.btn{will-change:transform}
.btn-mint:hover{transform:translateY(-2px);background:#2BF0B2;box-shadow:0 8px 26px rgba(0,229,160,.45)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(10,22,40,.35)}
.btn-ghost:hover{transform:translateY(-2px)}
.btn-outline:hover{transform:translateY(-2px)}
.tool-card .go svg,.tool-card .go{transition:transform .14s ease}
.tool-card:hover .go{transform:translateX(4px)}

/* ---------- cards: deeper hover ---------- */
.app-card,.card{transition:box-shadow .2s ease,transform .2s ease}
section .app-card:hover{box-shadow:0 10px 34px rgba(10,22,40,.10)}
.tool-card .icon{transition:transform .2s ease}
.tool-card:hover .icon{transform:scale(1.08) rotate(-4deg)}

/* ---------- section heads: accent rule ---------- */
.sec-head h2{position:relative;display:inline-block;padding-bottom:10px}
.sec-head h2::after{
  content:"";position:absolute;left:0;bottom:0;height:3px;width:52px;border-radius:3px;
  background:linear-gradient(90deg,var(--mint),rgba(0,229,160,.15));
}

/* ---------- guides: editorial typography ---------- */
.prose{font-size:17px}
.prose p{line-height:1.75}
.prose > p:first-of-type::first-letter{
  font-family:var(--font-display);font-weight:800;font-size:3.1em;float:left;
  line-height:.92;padding:4px 10px 0 0;color:var(--ink-2);
}
.pullquote,.takeaway{
  border:0;border-left:4px solid var(--mint);border-radius:0 14px 14px 0;
  background:linear-gradient(120deg,var(--mint-bg),#F2FBF7);
  padding:22px 26px;margin:30px 0;position:relative;
}
.pullquote::before,.takeaway::before{
  content:"\201C";font-family:var(--font-display);font-weight:800;font-size:56px;
  color:var(--mint-deep);opacity:.35;position:absolute;top:6px;left:12px;line-height:1;
}
.takeaway h2{color:var(--ink-2);font-size:15px;letter-spacing:.1em;text-transform:uppercase;margin:0 0 10px;padding-left:34px}
.takeaway p{margin:0;color:var(--ink-2);font-size:17.5px;line-height:1.7;padding-left:34px;font-weight:500}
.prose h2{scroll-margin-top:96px}
.prose blockquote{
  margin:28px 0;padding:6px 0 6px 24px;border-left:3px solid var(--mint);
  font-family:var(--font-display);font-size:20px;font-weight:600;color:var(--ink-2);line-height:1.5;
}
/* reading progress bar (JS-injected) */
.read-progress{
  position:fixed;top:0;left:0;height:3px;width:100%;z-index:80;pointer-events:none;
  background:transparent;
}
.read-progress i{
  display:block;height:100%;width:100%;transform-origin:0 50%;transform:scaleX(0);
  background:linear-gradient(90deg,var(--mint-deep),var(--mint));
}
/* guides index grid (was unstyled) */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){.guide-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.guide-grid{grid-template-columns:1fr}}

/* ---------- footer glow-up ---------- */
footer.site-footer{
  background:linear-gradient(180deg,var(--ink-2),var(--ink));
  border-top:1px solid rgba(0,229,160,.18);
  position:relative;overflow:hidden;
}
footer.site-footer::before{
  content:"";position:absolute;top:0;left:10%;right:10%;height:1px;
  background:linear-gradient(90deg,transparent,rgba(0,229,160,.6),transparent);
}
footer.site-footer .brand{font-size:20px;margin-bottom:4px}

/* ---------- misc ---------- */
html{scroll-padding-top:92px}
::selection{background:rgba(0,229,160,.28)}

/* ---------- reduced motion: kill all v3 motion ---------- */
@media(prefers-reduced-motion:reduce){
  .hero::before,.hero::after{animation:none}
  .hero-chart .draw{stroke-dashoffset:0;animation:none}
  .hero-chart .fade{opacity:1;animation:none}
  .chip{animation:none}
  .rv{opacity:1;transform:none;transition:none}
  #results .stat-hero,#results .verdict,#results .result-card,#results .takeaway,#results .callout{animation:none}
  .stat-hero::before{animation:none;display:none}
  .btn:hover,.tool-card:hover{transform:none}
}
@media(max-width:640px){
  .chip{font-size:12px;padding:8px 12px}
  .hero-visual{min-height:0}
}

/* ============================================================
   Watch & learn — vertical video section (v3)
   ============================================================ */
.watch-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:6px}
@media(max-width:900px){.watch-grid{grid-template-columns:repeat(3,1fr);gap:12px}}
@media(max-width:640px){.watch-grid{grid-template-columns:1fr 1fr;gap:12px}.watch-card:nth-child(3){grid-column:1/-1;max-width:280px;margin:0 auto;width:100%}}
.watch-card{margin:0}
.vplayer{
  position:relative;border-radius:18px;overflow:hidden;background:var(--ink-2);
  aspect-ratio:9/16;box-shadow:var(--shadow-lg);
  border:1px solid rgba(255,255,255,.1);
  transition:transform .2s ease,box-shadow .2s ease;
}
.watch-card:hover .vplayer{transform:translateY(-4px);box-shadow:0 18px 44px rgba(10,22,40,.22)}
.vplayer video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;background:var(--ink-2)}
/* CSS poster overlay (shows until video plays) */
.v-poster{
  position:absolute;inset:0;display:flex;flex-direction:column;justify-content:flex-end;
  padding:18px;gap:8px;cursor:pointer;
  background:
    radial-gradient(120% 60% at 50% 0%,rgba(0,229,160,.22),transparent 60%),
    linear-gradient(180deg,rgba(10,22,40,.15) 30%,rgba(10,22,40,.88) 100%);
  transition:opacity .35s ease;
}
.vplayer.playing .v-poster{opacity:0;pointer-events:none}
.v-poster .v-kicker{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--mint)}
.v-poster .v-t{font-family:var(--font-display);font-weight:800;font-size:19px;color:#fff;line-height:1.25;margin:0}
.v-play{
  position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  width:64px;height:64px;border-radius:50%;border:0;cursor:pointer;
  background:rgba(0,229,160,.94);color:var(--ink);
  display:grid;place-items:center;
  box-shadow:0 8px 28px rgba(0,229,160,.5);
  transition:transform .15s ease;
}
.v-play:hover{transform:translate(-50%,-50%) scale(1.08)}
.v-play svg{width:24px;height:24px;margin-left:3px}
/* custom player chrome */
.v-chrome{
  position:absolute;left:0;right:0;bottom:0;padding:10px 12px 12px;
  display:flex;align-items:center;gap:10px;
  background:linear-gradient(180deg,transparent,rgba(10,22,40,.78));
  opacity:0;transition:opacity .25s ease;
}
.vplayer:hover .v-chrome,.vplayer.paused .v-chrome{opacity:1}
.v-btn{
  background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);color:#fff;
  width:36px;height:36px;border-radius:50%;cursor:pointer;flex:none;
  display:grid;place-items:center;backdrop-filter:blur(6px);
}
.v-btn:hover{background:rgba(0,229,160,.85);color:var(--ink);border-color:transparent}
.v-btn svg{width:15px;height:15px}
.v-track{flex:1;height:5px;border-radius:99px;background:rgba(255,255,255,.22);cursor:pointer;position:relative}
.v-fill{position:absolute;inset:0 auto 0 0;width:0%;border-radius:99px;background:var(--mint)}
.v-time{font-size:11px;font-weight:600;color:#C7D3E6;font-variant-numeric:tabular-nums;flex:none}
.watch-meta{padding:14px 4px 0}
.watch-meta h3{margin:0 0 6px;font-size:16px}
.watch-meta p{margin:0;font-size:13.5px;color:var(--muted);line-height:1.55}

/* compact inline embed on tool pages */
.watch-inline{
  display:grid;grid-template-columns:150px 1fr;gap:18px;align-items:center;
  background:linear-gradient(135deg,var(--ink-2),var(--ink));
  border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);
  padding:18px;color:#fff;margin:0 0 24px;position:relative;overflow:hidden;
}
.watch-inline::after{
  content:"";position:absolute;top:-50px;right:-30px;width:180px;height:180px;border-radius:50%;
  background:radial-gradient(circle,rgba(0,229,160,.18),transparent 70%);pointer-events:none;
}
.watch-inline .vplayer{border-radius:12px;box-shadow:0 10px 26px rgba(0,0,0,.4)}
.watch-inline .v-poster{padding:12px}
.watch-inline .v-poster .v-t{font-size:14px}
.watch-inline .v-poster .v-kicker{font-size:9.5px}
.watch-inline .v-play{width:46px;height:46px}
.watch-inline .v-play svg{width:17px;height:17px}
.watch-inline h3{margin:0 0 6px;font-size:16.5px;color:#fff;position:relative}
.watch-inline h3 em{font-style:normal;color:var(--mint)}
.watch-inline p{margin:0;font-size:14px;color:#AFC0D8;position:relative;max-width:52ch}
.watch-inline .v-dur{display:inline-block;margin-top:8px;font-size:12px;font-weight:700;color:var(--mint);
  border:1px solid rgba(0,229,160,.4);border-radius:99px;padding:3px 10px;position:relative}
@media(max-width:560px){
  .watch-inline{grid-template-columns:104px 1fr;gap:14px;padding:14px}
  .watch-inline p{font-size:13px}
}

@media(prefers-reduced-motion:reduce){
  .watch-card:hover .vplayer{transform:none}
  .v-play:hover{transform:translate(-50%,-50%)}
}

/* ============================================================
   Figmetric v4 — "BOLD" dark premium theme
   Full dark theme. Linear/Stripe/Robinhood-level polish.
   All component overrides; functionality untouched.
   ============================================================ */
:root{
  --font-display:"Space Grotesk",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --bg0:#050B16;
  --bg1:#081120;
  --glass:rgba(13,24,44,.72);
  --glass-brd:rgba(255,255,255,.09);
  --txt:#EDF2FA;
  --txt-dim:#9DB1CC;
  --txt-faint:#64748E;
  --glow:0 0 0 1px rgba(0,229,160,.12),0 8px 40px rgba(0,229,160,.10);
}

/* ---------- base ---------- */
body{background:var(--bg0);color:var(--txt)}
body::before{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background:
    radial-gradient(900px 500px at 12% -4%,rgba(0,229,160,.06),transparent 60%),
    radial-gradient(1000px 600px at 95% 20%,rgba(56,130,246,.07),transparent 60%),
    radial-gradient(800px 800px at 50% 110%,rgba(0,229,160,.04),transparent 60%);
}
h1,h2,h3{color:#F4F8FD;letter-spacing:-.03em}
h1{font-weight:700}
a{color:#8FD8FF}
::selection{background:rgba(0,229,160,.35);color:#fff}

/* ---------- nav: bold pill ---------- */
.site-header{background:rgba(5,11,22,.78)}
.site-header .wrap{max-width:1200px}
.brand{font-size:23px}
.brand .brand-mark{width:34px;height:34px;filter:drop-shadow(0 0 10px rgba(0,229,160,.45))}
.site-nav{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.09);
  border-radius:999px;padding:5px 8px;gap:2px;
  -webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);
}
.site-nav a{color:#B9C6DA;font-size:13.5px;padding:9px 14px;border-radius:999px}
.site-nav a:hover{background:rgba(255,255,255,.09);color:#fff}
.site-nav a[aria-current="page"]{background:rgba(0,229,160,.16);color:var(--mint)}
.nav-cta{
  background:var(--mint)!important;color:#06121F!important;font-weight:700;
  box-shadow:0 4px 18px rgba(0,229,160,.35);
}
.nav-cta:hover{background:#2BF0B2!important;color:#06121F!important}
@media(max-width:760px){
  .site-header .wrap{flex-wrap:nowrap}
  .site-nav{flex-wrap:nowrap;overflow-x:auto;max-width:62vw;scrollbar-width:none}
  .site-nav::-webkit-scrollbar{display:none}
  .site-nav a{flex:none}
}

/* ---------- MEGA hero (homepage) ---------- */
.hero--mega{
  min-height:0;display:flex;align-items:center;
  padding:64px 0 64px;
  background:
    radial-gradient(800px 380px at 85% 0%,rgba(0,229,160,.08),transparent 60%),
    radial-gradient(900px 700px at 10% 90%,rgba(56,130,246,.12),transparent 60%),
    radial-gradient(700px 500px at 50% 50%,rgba(150,80,255,.07),transparent 65%),
    linear-gradient(180deg,#0A1730,#050B16);
}
.hero--mega::before,.hero--mega::after{filter:blur(10px);opacity:.9}
.hero--mega .hero-inner{grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.hero--mega .hero-visual{padding-top:46px}
.hero--mega .kicker{
  font-size:13px;padding:9px 18px;
  background:rgba(0,229,160,.1);box-shadow:inset 0 0 20px rgba(0,229,160,.08);
}
.hero--mega h1{
  font-size:clamp(34px,4.2vw,52px);font-weight:700;line-height:1.05;
  letter-spacing:-.045em;margin:0 0 22px;max-width:14ch;
}
.hero--mega h1 .grad{
  background:linear-gradient(100deg,#00E5A0 10%,#7DF9FF 55%,#00E5A0 90%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.hero--mega .tagline{font-size:clamp(20px,2.8vw,27px);color:#fff;max-width:30ch}
.hero--mega .subline{font-size:17.5px;color:#9DB1CC;max-width:56ch}
.hero--mega .cta-row{margin-top:36px}
.hero--mega .btn{padding:17px 30px;min-height:58px;font-size:16.5px;border-radius:14px}
.hstat{
  background:var(--glass);border:1px solid var(--glass-brd);border-radius:16px;
  padding:16px 22px;min-width:150px;
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
  box-shadow:0 12px 34px rgba(0,0,0,.35);
}
.hstat b{display:block;font-family:var(--font-display);font-size:30px;font-weight:700;color:var(--mint);font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.hstat span{font-size:12.5px;color:var(--txt-dim);font-weight:600}
.hero--mega .hero-visual{min-height:380px}
.hero--mega .hero-chart{
  border-radius:22px;border-color:rgba(0,229,160,.28);
  box-shadow:0 30px 80px rgba(0,0,0,.5),0 0 70px rgba(0,229,160,.14),inset 0 1px 0 rgba(255,255,255,.1);
}
.hero-scroll{
  position:absolute;bottom:26px;left:50%;transform:translateX(-50%);
  color:#64748E;font-size:12px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;
  display:flex;flex-direction:column;align-items:center;gap:8px;z-index:2;
}
.hero-scroll::after{
  content:"";width:1px;height:44px;
  background:linear-gradient(180deg,var(--mint),transparent);
  animation:scrollHint 1.8s ease-in-out infinite;
}
@keyframes scrollHint{0%,100%{opacity:.4;transform:translateY(0)}50%{opacity:1;transform:translateY(8px)}}
/* ticker */
.ticker{
  border-top:1px solid rgba(0,229,160,.18);border-bottom:1px solid rgba(255,255,255,.08);
  background:linear-gradient(180deg,rgba(0,229,160,.05),rgba(255,255,255,.015));
  overflow-x:auto;overflow-y:hidden;white-space:nowrap;
  padding:18px 0;position:relative;z-index:2;
  cursor:grab;scrollbar-width:none;-ms-overflow-style:none;touch-action:pan-y;
}
.ticker::-webkit-scrollbar{display:none}
.ticker.dragging{cursor:grabbing}
.ticker.dragging *{user-select:none;-webkit-user-select:none}
.ticker-track{display:inline-flex;gap:28px;align-items:center;padding-right:28px;will-change:transform}
.ticker-track a{font-family:var(--font-display);font-size:15px;font-weight:700;color:#C4D2E8;letter-spacing:.05em;text-decoration:none;transition:color .2s}
.ticker-track a:hover{color:var(--mint)}
.ticker-track i{color:rgba(0,229,160,.4);font-style:normal}
.ticker span{font-family:var(--font-display);font-size:14px;font-weight:600;color:#8FA2BE;letter-spacing:.06em}
.ticker span b{color:var(--mint)}
/* ---------- tool-page heroes ---------- */
.hero--tool{
  padding:70px 0 60px;
  background:
    radial-gradient(800px 400px at 85% 0%,rgba(0,229,160,.12),transparent 60%),
    radial-gradient(600px 400px at 5% 100%,rgba(56,130,246,.10),transparent 60%),
    linear-gradient(180deg,#0C1830,#050B16);
}
.hero--tool h1{font-size:clamp(32px,5vw,52px);font-weight:700;letter-spacing:-.04em;max-width:22ch}
.hero--tool .lede{color:#9DB1CC;font-size:17.5px}
.crumbs{color:#64748E}
.crumbs a{color:#9DB1CC}

/* ---------- sections ---------- */
.sec{padding:72px 0 8px}
.sec-head h2{font-size:clamp(28px,4vw,42px);font-weight:700;letter-spacing:-.035em}
.sec-head h2::after{height:4px;width:64px;background:linear-gradient(90deg,var(--mint),rgba(0,229,160,.1));box-shadow:0 0 16px rgba(0,229,160,.5)}
.sec-head .lede{color:var(--txt-dim);font-size:17.5px}
.cat{color:#8FA2BE;font-size:13.5px}
.cat::after{background:rgba(255,255,255,.1)}

/* ---------- dark glass cards ---------- */
.app-card,.card,.tool-card,.why-item,.guide-card,.result-card{
  background:var(--glass);
  border:1px solid var(--glass-brd);
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
  box-shadow:0 16px 44px rgba(0,0,0,.35),inset 0 1px 0 rgba(255,255,255,.06);
  color:var(--txt);
}
.app-card h2,.app-card h3,.card h2,.card h3,.guide-card h2{color:#F4F8FD}
.guide-card{border-radius:var(--radius);padding:clamp(22px,3.5vw,30px);margin:0;display:flex;flex-direction:column;gap:10px}
.guide-card p{color:var(--txt-dim);font-size:15px}
.guide-card h2{font-size:20px;margin:0}
.guide-card h2 a{color:#F4F8FD;text-decoration:none}
.guide-card h2 a:hover{color:var(--mint)}
.guide-meta{font-size:12.5px;color:var(--txt-faint);font-weight:600}
.guide-card .btn{margin-top:auto;align-self:flex-start}

/* ---------- bento calculator grid ---------- */
.calc-grid{grid-template-columns:repeat(6,1fr);gap:18px}
.calc-grid .tool-card{grid-column:span 2}
@media(max-width:900px){
  .calc-grid{grid-template-columns:repeat(2,1fr)}
  .calc-grid .tool-card{grid-column:span 1}
}
@media(max-width:560px){
  .calc-grid{grid-template-columns:1fr}
  .calc-grid .tool-card{grid-column:span 1}
}
.tool-card{background:var(--glass);border:1px solid var(--glass-brd);color:var(--txt);padding:26px}
.tool-card:hover{
  transform:translateY(-5px);border-color:rgba(0,229,160,.4);
  box-shadow:0 20px 50px rgba(0,0,0,.45),0 0 30px rgba(0,229,160,.12);
}
.tool-card .icon{
  background:linear-gradient(135deg,rgba(0,229,160,.22),rgba(0,229,160,.05));
  border:1px solid rgba(0,229,160,.3);
  box-shadow:0 0 22px rgba(0,229,160,.18);
}
.tool-card h3{color:#F4F8FD;font-size:17.5px}
.tool-card p{color:var(--txt-dim)}
.tool-card .go{color:var(--mint)}
.tool-card::before{background:linear-gradient(90deg,var(--mint),transparent 80%)}

/* ---------- dark forms ---------- */
label{color:#DCE5F2}
.hint{color:#8FA2BE}
input[type=text],input[type=number],input[type=email],select{
  background:#0A1425;border:1.5px solid rgba(255,255,255,.14);color:#fff;
}
input:hover,select:hover{border-color:rgba(255,255,255,.28)}
input:focus,select:focus{
  border-color:var(--mint);box-shadow:0 0 0 4px rgba(0,229,160,.18),0 0 24px rgba(0,229,160,.25);outline:none;
  background:#0C1830;
}
input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(90deg,var(--mint) var(--p),#1B2B47 var(--p))}
input[type=range]::-webkit-slider-thumb{border-color:var(--mint);box-shadow:0 0 14px rgba(0,229,160,.5)}
input[type=range]::-moz-range-track{background:#1B2B47}
input[type=range]::-moz-range-thumb{border-color:var(--mint)}
.slider-val{color:#fff}
.radio-row label{color:#DCE5F2}
.debt-row,.promo-row,.loan-row,.dyn-row{border-top-color:rgba(255,255,255,.08)}
.tab-btn{background:#0A1425;border-color:rgba(255,255,255,.14);color:#9DB1CC}
.tab-btn[aria-selected="true"]{background:var(--mint);border-color:var(--mint);color:#06121F}
.btn-ghost{background:#16233C;color:#EDF2FA;border:1px solid rgba(255,255,255,.1)}
.btn-ghost:hover{background:#1D2E4E;transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.4)}
.btn-primary{background:#EDF2FA;color:#0A1628}
.btn-primary:hover{background:#fff;color:#0A1628;transform:translateY(-2px);box-shadow:0 10px 28px rgba(0,0,0,.45)}
.btn-danger{background:rgba(225,29,72,.14);color:#FDA4AF;border:1px solid rgba(225,29,72,.35)}

/* ---------- dramatic results ---------- */
.stat-hero{
  background:linear-gradient(135deg,#0E1F3D,#070F20);
  border:1px solid rgba(0,229,160,.28);
  box-shadow:0 0 50px rgba(0,229,160,.12),0 20px 50px rgba(0,0,0,.4);
  padding:34px 32px;
}
.stat-hero .n{
  font-size:clamp(48px,8vw,76px);letter-spacing:-.04em;
  text-shadow:0 0 40px rgba(0,229,160,.45);
}
.stat-hero .k{color:#8FA2BE}
.stat-hero .s{color:#B9C6DA}
.verdict{font-size:16.5px}
.verdict.good{background:rgba(0,229,160,.08);border-color:rgba(0,229,160,.35);color:#D3F9E8}
.verdict.neutral{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.12);color:#C9D4E8}
.verdict.warn,.verdict.mid{background:rgba(217,119,6,.1);border-color:rgba(217,119,6,.4);color:#FDE3B8}
.verdict.bad{background:rgba(225,29,72,.1);border-color:rgba(225,29,72,.4);color:#FECDD3}
.result-card h3{color:#F4F8FD}
.stat{border-top:1px dashed rgba(255,255,255,.1)}
.stat .k{color:#8FA2BE}
.stat .v{color:#fff}
.stat .v.good{color:var(--mint)}
.stat .v.bad{color:#FDA4AF}
.bar-track{background:#141F36}
.bar-label{color:#9DB1CC}
.result-card::before{background:rgba(255,255,255,.12)}
.result-card.a::before{background:#8FA2BE}
.result-card.b::before{background:var(--mint);box-shadow:0 0 12px rgba(0,229,160,.6)}
.bar-fill.av,.bar-fill.put,.bar-fill.prog,.bar-fill.roth{background:linear-gradient(90deg,#3B587F,#22344F)}
.bar-fill.grow,.bar-fill.extra,.bar-fill.new{background:linear-gradient(90deg,#00B57E,#00E5A0);color:#06121F;box-shadow:0 0 18px rgba(0,229,160,.4)}
.bar-fill.base,.bar-fill.cur{background:linear-gradient(90deg,#9F1239,#E11D48)}
.bar-fill.sn,.bar-fill.trad{background:linear-gradient(90deg,#B45309,#F59E0B);color:#1A1005}
.callout.warn{background:rgba(217,119,6,.1);border-color:rgba(217,119,6,.4);color:#FDE3B8}
.callout.bad{background:rgba(225,29,72,.1);border-color:rgba(225,29,72,.4);color:#FECDD3}
.callout.ok{background:rgba(0,229,160,.08);border-color:rgba(0,229,160,.35);color:#D3F9E8}
.callout.info{background:rgba(56,130,246,.1);border-color:rgba(56,130,246,.4);color:#CBDEFc}
.takeaway{background:linear-gradient(120deg,rgba(0,229,160,.1),rgba(0,229,160,.03));border:1px solid rgba(0,229,160,.25)}
.takeaway h2{color:var(--mint)}
.takeaway p{color:#D3F9E8}
.chain{background:rgba(56,130,246,.08);border:1px solid rgba(56,130,246,.25);color:#CBDEFC}
.chain b{color:#fff}
.big-net{color:#fff}
.meaning{color:#8FA2BE}
.order-list{color:#9DB1CC}
.tl-track{background:#141F36}
.tl-meta{color:#8FA2BE}
.tl-tick{background:var(--mint)}
.error{color:#FDA4AF}
.share-note{color:#8FA2BE}

/* ---------- tables / details ---------- */
table{color:#DCE5F2}
th{background:#0E1A30;color:#9DB1CC}
th,td{border-bottom:1px solid rgba(255,255,255,.07)}
tbody tr:hover td{background:rgba(255,255,255,.03)}
details{background:var(--glass);border:1px solid var(--glass-brd)}
summary{color:#EDF2FA}
.faq p{color:var(--txt-dim)}
.method{color:#8FA2BE;border-top:1px solid rgba(255,255,255,.1)}
.method strong{color:#DCE5F2}
.rel-list a{color:#8FD8FF}
.aff-line{color:#8FA2BE}
.updated{color:#5B6B82}

/* ---------- guides: magazine dark ---------- */
.prose p,.prose li{color:#B9C6DA}
.prose strong{color:#fff}
.prose > p:first-of-type::first-letter{color:var(--mint)}
.prose h2{color:#F4F8FD}
.prose blockquote{color:#E8EEF7;border-left-color:var(--mint)}
.pullquote{background:linear-gradient(120deg,rgba(0,229,160,.12),rgba(0,229,160,.03));border:1px solid rgba(0,229,160,.25);border-left:4px solid var(--mint)}
.pullquote::before{color:var(--mint)}
.explainer p,.explainer li{color:#9DB1CC}
.explainer strong{color:#fff}
.datestamp{color:#64748E;font-size:13px;font-weight:600}

/* ---------- how it works strip ---------- */
.how{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
@media(max-width:760px){.how{grid-template-columns:1fr}}
.how-step{
  background:var(--glass);border:1px solid var(--glass-brd);border-radius:20px;
  padding:28px 26px;position:relative;overflow:hidden;
  -webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);
}
.how-step::before{
  content:attr(data-n);position:absolute;top:6px;right:18px;
  font-family:var(--font-display);font-weight:700;font-size:88px;line-height:1;
  color:rgba(255,255,255,.05);
}
.how-step h3{margin:0 0 8px;font-size:18px;color:#fff}
.how-step h3 em{font-style:normal;color:var(--mint)}
.how-step p{margin:0;font-size:14.5px;color:var(--txt-dim)}

/* ---------- proof band ---------- */
.proof{
  margin:72px 0 0;border-radius:28px;padding:clamp(36px,5vw,64px);
  background:
    radial-gradient(600px 300px at 20% 0%,rgba(0,229,160,.14),transparent 60%),
    linear-gradient(135deg,#0C1B36,#060D1C);
  border:1px solid rgba(0,229,160,.22);
  box-shadow:0 30px 80px rgba(0,0,0,.45),inset 0 1px 0 rgba(255,255,255,.08);
  text-align:center;position:relative;overflow:hidden;
}
.proof h2{font-size:clamp(26px,3.6vw,38px);margin:0 0 8px}
.proof h2 em{font-style:normal;color:var(--mint)}
.proof .lede{color:var(--txt-dim);max-width:60ch;margin:0 auto 34px}
.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:760px){.proof-grid{grid-template-columns:repeat(2,1fr)}}
.proof-num b{
  display:block;font-family:var(--font-display);font-weight:700;letter-spacing:-.03em;
  font-size:clamp(34px,4.5vw,54px);color:#fff;font-variant-numeric:tabular-nums;
}
.proof-num b.hl{color:var(--mint);text-shadow:0 0 34px rgba(0,229,160,.5)}
.proof-num span{font-size:13px;color:var(--txt-dim);font-weight:600}

/* ---------- mega CTA ---------- */
.mega-cta{
  margin:72px 0 0;border-radius:28px;padding:clamp(48px,7vw,90px) clamp(24px,5vw,64px);
  text-align:center;position:relative;overflow:hidden;
  background:
    radial-gradient(700px 340px at 50% 120%,rgba(0,229,160,.22),transparent 65%),
    linear-gradient(180deg,#0B1730,#060C19);
  border:1px solid rgba(255,255,255,.1);
}
.mega-cta h2{font-size:clamp(34px,5.5vw,60px);font-weight:700;letter-spacing:-.04em;margin:0 0 14px}
.mega-cta h2 em{font-style:normal;
  background:linear-gradient(100deg,#00E5A0,#7DF9FF);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.mega-cta p{color:var(--txt-dim);font-size:18px;max-width:56ch;margin:0 auto 32px}
.mega-cta .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.mega-cta .btn{padding:17px 34px;min-height:60px;font-size:17px;border-radius:14px}

/* ---------- statement footer ---------- */
footer.site-footer{
  background:linear-gradient(180deg,#070E1D,#040810);
  border-top:1px solid rgba(0,229,160,.16);
  padding:70px 0 40px;margin-top:90px;
}
.foot-giant{
  font-family:var(--font-display);font-weight:700;letter-spacing:-.05em;
  font-size:clamp(64px,12vw,170px);line-height:.95;margin:0 0 30px;
  background:linear-gradient(180deg,rgba(255,255,255,.16),rgba(255,255,255,.02));
  -webkit-background-clip:text;background-clip:text;color:transparent;
  text-align:center;user-select:none;
}
.foot-cols{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px;
  max-width:1060px;margin:0 auto 34px;padding:0 20px;text-align:left;
}
@media(max-width:760px){.foot-cols{grid-template-columns:1fr 1fr}}
.foot-cols h4{margin:0 0 12px;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#64748E;font-family:var(--font-body);font-weight:700}
.foot-cols ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.foot-cols a{color:#B9C6DA;text-decoration:none;font-size:14.5px;font-weight:500}
.foot-cols a:hover{color:var(--mint)}
.foot-brand p{color:#8FA2BE;font-size:14px;max-width:34ch}
.foot-base{border-top:1px solid rgba(255,255,255,.07);padding-top:24px;text-align:center}
footer.site-footer .disclaimer{color:#64748E}

/* ---------- email band: richer ---------- */
.email-band{
  background:
    radial-gradient(500px 260px at 85% 20%,rgba(0,229,160,.16),transparent 60%),
    linear-gradient(135deg,#0D1D3A,#060C19);
  border:1px solid rgba(0,229,160,.25);
  box-shadow:0 24px 60px rgba(0,0,0,.4);
  border-radius:24px;
}
.email-band h2{font-size:clamp(24px,3.4vw,34px);letter-spacing:-.03em}

/* ---------- watch section on dark ---------- */
.watch-meta h3{color:#F4F8FD}
.watch-meta p{color:var(--txt-dim)}

/* ---------- app-card--dark (pro upsell) richer ---------- */
.app-card--dark{
  background:linear-gradient(135deg,#0D1D3A,#070F20);
  border:1px solid rgba(0,229,160,.3);
  box-shadow:0 0 44px rgba(0,229,160,.1),0 20px 50px rgba(0,0,0,.4);
}

/* ---------- sticky capture ---------- */
.sticky-capture{background:rgba(5,11,22,.94)}

/* ---------- reduced motion: kill v4 motion ---------- */
@media(prefers-reduced-motion:reduce){
  .hero--mega::before,.hero--mega::after{animation:none}
  .ticker-track{animation:none}
  .hero-scroll::after{animation:none}
  .stat-hero .n{text-shadow:none}
}

/* ---------- small screens ---------- */
@media(max-width:640px){
  .hero--mega{min-height:0;padding:90px 0 70px}
  .hero--mega .hero-inner{gap:36px}
  .hero-stats{gap:10px}
  .hstat{min-width:0;flex:1;padding:13px 16px}
  .hstat b{font-size:24px}
  .hero-scroll{display:none}
  .sec{padding:56px 0 6px}
  .proof,.mega-cta{border-radius:20px;margin-left:0;margin-right:0}
  .foot-cols{grid-template-columns:1fr 1fr;gap:20px}
}
footer.site-footer .name-story{margin:4px 0 0}
footer.site-footer .name-story strong{color:#C7D3E6;font-weight:700}
.email-band .consent-note{font-size:12.5px;color:#8FA2BE;margin:8px 0 0}
.hero-brandline{display:flex;align-items:center;gap:11px;margin:0 0 16px;color:#C7D3E6;font-size:15.5px;line-height:1.45}
.hero-brandline .brand-mark{width:34px;height:34px;flex:none}
.hero-brandline strong{font-weight:800;color:#fff;letter-spacing:-.01em}
.hero-brandline strong em{font-style:normal;color:var(--mint)}
.topbrand{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;padding:12px 16px;background:rgba(8,17,32,.65);border-bottom:1px solid rgba(255,255,255,.06);text-align:center}
.topbrand-lockup{display:inline-flex;align-items:center;gap:0;text-decoration:none}
.topbrand-lockup .brand-mark{width:32px;height:32px;flex:none}
.topbrand-lockup strong{font-size:24px;font-weight:800;letter-spacing:-.01em;color:#fff;line-height:1}
.topbrand-lockup strong em{font-style:normal;color:var(--mint)}
.topbrand-desc{font-size:14px;color:#9FB0C9}
.hero-note{font-size:12px;color:#8FA2BE;margin:10px 4px 0;max-width:420px;line-height:1.5}
.vh{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.promise{font-size:21px;font-weight:800;letter-spacing:-.01em;color:#fff;margin:18px 0 0}
.promise em{font-style:normal;color:var(--mint)}

.topbrand-lockup .wm-f{font-size:0;line-height:0}

.result-card,.stat-hero,.verdict{scroll-margin-top:96px}