/* ============================================================
   Lending Credit Advisor — TOKENS  (terracotta · navy · cream)
   ============================================================ */
:root{
  --paper:#F5F0E8;
  --surface:#FFFDF8;
  --surface-2:#ECE6DA;

  --ink:#172238;
  --ink-2:#4B5668;
  --muted:#7D8490;

  --edge:#D9D2C6;
  --edge-hard:#172238;

  --lime:#E85D4A;
  --lime-ink:#FFFDF8;
  --lime-soft:#FBE0DB;

  --petrol:#243B5A;
  --petrol-soft:#DFE6F0;

  --clay:#C9784D;
  --clay-soft:#F4E2D7;

  --sky:#5687A8;
  --sky-soft:#E0EBF2;

  --plum:#765A78;
  --plum-soft:#EAE1EA;

  --hard:4px 4px 0 rgba(23,34,56,.08);
  --hard-hover:7px 7px 0 var(--lime);

  --r:10px;
  --r-sm:6px;
  --r-lg:16px;

  --rail:248px;
  --ease:cubic-bezier(.2,.8,.2,1);
}

[data-mode="dark"]{
  --paper:#111820;
  --surface:#18212B;
  --surface-2:#202B36;

  --ink:#F6F0E6;
  --ink-2:#C7C9C8;
  --muted:#929CA4;

  --edge:#303C47;
  --edge-hard:#E7DFD3;

  --lime:#FF7967;
  --lime-ink:#171820;
  --lime-soft:rgba(255,121,103,.14);

  --petrol:#789AC0;
  --petrol-soft:rgba(120,154,192,.14);

  --clay:#E49A70;
  --clay-soft:rgba(228,154,112,.13);

  --sky:#82B4D1;
  --sky-soft:rgba(130,180,209,.13);

  --plum:#B796B8;
  --plum-soft:rgba(183,150,184,.14);

  --hard:4px 4px 0 rgba(0,0,0,.42);
  --hard-hover:7px 7px 0 var(--lime);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{
  font-family:'DM Sans',system-ui,sans-serif;background:var(--paper);color:var(--ink);
  font-size:16px;line-height:1.62;overflow-x:hidden;
  transition:background .45s var(--ease),color .45s var(--ease);
}
h1,h2,h3,h4,h5{font-weight:600;letter-spacing:-.028em;line-height:1.14;color:var(--ink)}
p{color:var(--ink-2)}
a{text-decoration:none;color:inherit}
.mono{font-family:'DM Mono',ui-monospace,monospace;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase}
.muted{color:var(--muted)}
::selection{background:var(--lime);color:var(--lime-ink)}
::-webkit-scrollbar{width:10px;height:10px}
::-webkit-scrollbar-thumb{background:var(--edge);border-radius:10px}

/* ============================================================
   LAYOUT: fixed left rail + content column
   ============================================================ */
.shell{display:flex;min-height:100vh}
.rail{
  position:fixed;inset:0 auto 0 0;width:var(--rail);background:var(--surface);
  border-right:1.5px solid var(--edge);display:flex;flex-direction:column;padding:26px 20px;z-index:60;
  transition:background .45s var(--ease),border-color .45s var(--ease)
}
.main{flex:1;margin-left:var(--rail);min-width:0}
@media(max-width:1199px){ .rail{display:none} .main{margin-left:0} }

.logo{display:flex;align-items:center;gap:10px;margin-bottom:26px}
.logo-mk{width:34px;height:34px;border-radius:9px;background:var(--lime);color:var(--lime-ink);
  display:grid;place-items:center;font-weight:700;font-size:.95rem;border:1.5px solid var(--edge-hard)}
.logo-tx{font-weight:700;font-size:1.02rem;letter-spacing:-.03em}
.logo-sub{font-family:'DM Mono',monospace;font-size:.6rem;letter-spacing:.22em;color:var(--muted);text-transform:uppercase}

.rail-nav{display:flex;flex-direction:column;gap:1px;flex:1}
.rnav{
  display:grid;grid-template-columns:26px 1fr;align-items:center;gap:8px;padding:9px 10px;border-radius:var(--r-sm);
  color:var(--ink-2);font-size:.92rem;font-weight:500;transition:.28s var(--ease);position:relative
}
.rnav i.num{font-family:'DM Mono',monospace;font-size:.68rem;color:var(--muted);font-style:normal}
.rnav:hover{background:var(--surface-2);color:var(--ink)}
.rnav.on{background:var(--lime);color:var(--lime-ink);font-weight:600}
.rnav.on i.num{color:var(--lime-ink);opacity:.6}

.rail-foot{border-top:1.5px solid var(--edge);padding-top:16px;display:flex;flex-direction:column;gap:12px}
.mode-switch{
  display:flex;background:var(--surface-2);border:1.5px solid var(--edge);border-radius:8px;padding:3px;gap:3px
}
.mode-switch button{
  flex:1;border:0;background:transparent;border-radius:6px;padding:7px 4px;font-size:.78rem;font-weight:600;
  color:var(--muted);cursor:pointer;display:flex;align-items:center;justify-content:center;gap:6px;transition:.25s
}
.mode-switch button.on{background:var(--ink);color:var(--paper)}
.prog-wrap{height:3px;background:var(--edge);border-radius:3px;overflow:hidden}
.prog-bar{height:100%;width:0;background:var(--lime);transition:width .1s linear}

/* mobile bar + drawer */
.mbar{
  display:none;position:sticky;top:0;z-index:70;background:var(--surface);border-bottom:1.5px solid var(--edge);
  padding:12px 18px;align-items:center;justify-content:space-between
}
@media(max-width:1199px){ .mbar{display:flex} }
.icon-btn{width:40px;height:40px;border-radius:8px;border:1.5px solid var(--edge);background:var(--surface-2);
  color:var(--ink);display:grid;place-items:center;cursor:pointer;font-size:1.05rem;transition:.25s}
.icon-btn:hover{border-color:var(--edge-hard)}
.drawer{position:fixed;inset:0;z-index:200;display:none}
.drawer.open{display:block}
.drawer-bg{position:absolute;inset:0;background:rgba(4,12,10,.5)}
.drawer-panel{position:absolute;top:0;bottom:0;right:0;width:min(320px,86vw);background:var(--surface);
  border-left:1.5px solid var(--edge);padding:22px;overflow-y:auto;animation:slideL .35s var(--ease)}
@keyframes slideL{from{transform:translateX(100%)}to{transform:none}}
.drawer-panel a{display:block;padding:12px 6px;border-bottom:1px solid var(--edge);font-weight:500}

/* ============================================================
   SPACING + SECTION HEADS
   ============================================================ */
.wrap{max-width:1080px;margin:0 auto;padding:0 34px}
@media(max-width:575px){.wrap{padding:0 18px}}
.band{padding:84px 0}
.band-alt{background:var(--surface-2);border-top:1.5px solid var(--edge);border-bottom:1.5px solid var(--edge)}
.sec-head{margin-bottom:38px;max-width:760px}
.sec-idx{display:inline-flex;align-items:center;gap:9px;margin-bottom:12px}
.sec-idx b{font-family:'DM Mono',monospace;font-size:.72rem;letter-spacing:.18em;color:var(--petrol);font-weight:500}
.sec-idx .bar{width:40px;height:2px;background:var(--lime);transform-origin:left;transform:scaleX(0);transition:transform .7s .1s var(--ease)}
.seen .sec-idx .bar{transform:scaleX(1)}
.sec-head h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:12px}
.sec-head p{font-size:1.03rem}
.hl{background:linear-gradient(transparent 62%, var(--lime) 62%);padding:0 2px}

/* ============================================================
   ANIMATION SYSTEM
   ============================================================ */
[data-anim]{opacity:0;transform:translateY(14px);transition:opacity .6s var(--ease),transform .6s var(--ease);transition-delay:var(--dl,0ms)}
[data-anim="wipe"]{transform:none;clip-path:inset(0 100% 0 0);transition:clip-path .8s var(--ease),opacity .5s}
[data-anim="pop"]{transform:scale(.96)}
.seen{opacity:1;transform:none;clip-path:inset(0)}
@media(prefers-reduced-motion:reduce){[data-anim]{opacity:1!important;transform:none!important;clip-path:none!important}}

/* ============================================================
   CARD LANGUAGE
   ============================================================ */
.stick{background:var(--surface);border:1.5px solid var(--edge);border-radius:var(--r);box-shadow:var(--hard);
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.stick:hover{transform:translate(-3px,-3px);box-shadow:var(--hard-hover);border-color:var(--edge-hard)}
.flat{background:var(--surface);border:1.5px solid var(--edge);border-radius:var(--r)}
.tagx{display:inline-flex;align-items:center;gap:6px;font-family:'DM Mono',monospace;font-size:.66rem;letter-spacing:.14em;
  text-transform:uppercase;padding:5px 9px;border-radius:5px;background:var(--petrol-soft);color:var(--petrol)}
.tagx.lime{background:var(--lime-soft);color:var(--petrol)}
.tagx.clay{background:var(--clay-soft);color:var(--clay)}
.tagx.sky{background:var(--sky-soft);color:var(--sky)}
.tagx.plum{background:var(--plum-soft);color:var(--plum)}

/* buttons */
.btn-nb{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1.5px solid var(--edge-hard);
  background:var(--ink);color:var(--paper);font-weight:600;font-size:.92rem;padding:12px 20px;border-radius:8px;
  cursor:pointer;transition:.28s var(--ease);font-family:inherit}
.btn-nb:hover{transform:translate(-2px,-2px);box-shadow:4px 4px 0 var(--lime);color:var(--paper)}
.btn-lime{background:var(--lime);color:var(--lime-ink)}
.btn-lime:hover{box-shadow:4px 4px 0 var(--ink);color:var(--lime-ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--edge)}
.btn-ghost:hover{border-color:var(--edge-hard);box-shadow:4px 4px 0 var(--lime);color:var(--ink)}
.btn-xs{padding:7px 13px;font-size:.8rem;border-radius:7px}
.apply{display:inline-flex;align-items:center;gap:6px;border:1.5px solid var(--edge);background:var(--surface-2);
  color:var(--ink);font-weight:600;font-size:.8rem;padding:7px 13px;border-radius:7px;cursor:pointer;transition:.25s var(--ease);font-family:inherit}
.apply:hover{background:var(--lime);border-color:var(--edge-hard);color:var(--lime-ink);gap:10px}

/* ============================================================
   HERO
   ============================================================ */
.hero{padding:56px 0 76px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}
@media(max-width:991px){.hero-grid{grid-template-columns:1fr;gap:34px}}
.hero h1{font-size:clamp(2.15rem,4.7vw,3.5rem);margin:14px 0 16px;letter-spacing:-.035em}
.hero .sub{font-size:1.06rem;max-width:50ch;margin-bottom:22px}
.kick{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--edge);background:var(--surface);
  padding:6px 12px;border-radius:7px;box-shadow:var(--hard)}

/* pillar chips */
.pillars{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin:18px 0}
@media(max-width:575px){.pillars{grid-template-columns:1fr}}
.pchip{
  display:flex;align-items:center;gap:9px;padding:11px 12px;border:1.5px solid var(--edge);background:var(--surface);
  border-radius:8px;cursor:pointer;font-size:.88rem;font-weight:500;color:var(--ink-2);text-align:left;
  transition:.25s var(--ease);font-family:inherit
}
.pchip:hover{border-color:var(--edge-hard)}
.pchip .bx{width:18px;height:18px;border-radius:4px;border:1.5px solid var(--edge-hard);display:grid;place-items:center;
  font-size:.7rem;flex:0 0 auto;background:var(--surface);color:transparent;transition:.2s}
.pchip.on{background:var(--lime-soft);border-color:var(--petrol);color:var(--ink)}
.pchip.on .bx{background:var(--lime);color:var(--lime-ink)}

/* dial artwork */
.dial-card{position:relative;padding:26px;border:1.5px solid var(--edge);border-radius:var(--r-lg);background:var(--surface);box-shadow:var(--hard)}
.dial-stage{position:relative;width:100%;max-width:360px;margin:0 auto;aspect-ratio:1}
.dial-stage svg{width:100%;height:100%;display:block;transform:rotate(-90deg)}
.dial-core{position:absolute;inset:0;display:grid;place-items:center;text-align:center;pointer-events:none}
.dial-score{font-size:3.3rem;font-weight:700;letter-spacing:-.05em;line-height:1}
.dial-label{font-family:'DM Mono',monospace;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--petrol)}
.sat{
  position:absolute;transform:translate(-50%,-50%);width:46px;height:46px;border-radius:12px;border:1.5px solid var(--edge);
  background:var(--surface);display:grid;place-items:center;font-size:1.05rem;cursor:pointer;transition:.3s var(--ease);
  box-shadow:var(--hard)
}
.sat:hover{transform:translate(-50%,-50%) scale(1.09)}
.sat.on{background:var(--lime);border-color:var(--edge-hard)}
.next-box{margin-top:18px;border-top:1.5px dashed var(--edge);padding-top:16px}
.next-row{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:9px 0;border-bottom:1px dashed var(--edge)}
.next-row:last-child{border-bottom:0}

/* ============================================================
   ABOUT — article slabs
   ============================================================ */
.art{padding:26px;border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface);height:100%}
.art .n{font-family:'DM Mono',monospace;font-size:.7rem;letter-spacing:.18em;color:var(--muted)}
.pullquote{border-left:4px solid var(--lime);padding:16px 0 16px 22px;font-size:1.22rem;font-weight:500;letter-spacing:-.02em}

/* ============================================================
   SERVICES
   ============================================================ */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:30px;position:sticky;top:0;z-index:40;
  background:var(--paper);padding:12px 0;border-bottom:1.5px solid var(--edge)}
@media(max-width:1199px){.filters{top:65px}.mod{scroll-margin-top:180px}}
.fbtn{border:1.5px solid var(--edge);background:var(--surface);border-radius:7px;padding:7px 13px;font-size:.82rem;
  font-weight:600;color:var(--ink-2);cursor:pointer;transition:.25s var(--ease);font-family:inherit}
.fbtn:hover{border-color:var(--edge-hard)}
.fbtn.on{background:var(--ink);color:var(--paper);border-color:var(--edge-hard)}
.mod{margin-bottom:56px;scroll-margin-top:120px}
.mod.hide{display:none}
.mod-bar{display:flex;flex-wrap:wrap;align-items:baseline;gap:12px;justify-content:space-between;
  border-bottom:2px solid var(--ink);padding-bottom:10px;margin-bottom:24px}
.mod-bar h3{font-size:1.45rem;display:flex;align-items:center;gap:10px}
.svc-t{font-size:1.02rem;font-weight:600;letter-spacing:-.02em;margin-bottom:5px}
.svc-d{font-size:.89rem;color:var(--muted);line-height:1.6;margin-bottom:12px}

/* M1 loans */
.lrow{display:grid;grid-template-columns:64px 1fr 130px;gap:18px;align-items:center;padding:20px 14px;
  border-bottom:1.5px solid var(--edge);position:relative;z-index:0;isolation:isolate;transition:.3s var(--ease)}
.lrow:first-child{border-top:1.5px solid var(--edge)}
.lrow::before{content:'';position:absolute;left:0;top:0;bottom:0;width:0;background:var(--lime-soft);transition:width .35s var(--ease);z-index:-1}
.lrow:hover::before{width:100%}
.lrow .ln{font-family:'DM Mono',monospace;font-size:1.5rem;color:var(--edge-hard);opacity:.45}
.lrow:hover .ln{opacity:1;color:var(--petrol)}
@media(max-width:767px){.lrow{grid-template-columns:44px 1fr;gap:12px}.lrow .lact{grid-column:2/3}}

/* M2 insurance */
.stamps{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.stamp{border:1.5px dashed var(--edge-hard);border-radius:var(--r-sm);background:var(--surface);padding:18px;
  display:flex;flex-direction:column;justify-content:space-between;transition:.3s var(--ease)}
.stamp:hover{background:var(--lime-soft);border-style:solid;transform:translateY(-3px)}
.stamp .em{font-size:1.4rem;margin-bottom:8px}

/* M3 investments */
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:860px){.cols3{grid-template-columns:1fr}}
.colcard{display:grid;grid-template-columns:34px 1fr;border:1.5px solid var(--edge);border-radius:var(--r);overflow:hidden;background:var(--surface)}
.colcard .side-lab{background:var(--petrol);color:#fff;display:grid;place-items:center}
.colcard .side-lab span{writing-mode:vertical-rl;transform:rotate(180deg);font-family:'DM Mono',monospace;font-size:.64rem;letter-spacing:.24em;text-transform:uppercase}
.colcard .body{padding:22px}
.colcard:nth-child(2) .side-lab{background:var(--clay)}
.colcard:nth-child(3) .side-lab{background:var(--sky)}

/* M4 wealth */
.ladder{border-left:2px dashed var(--edge-hard);margin-left:12px;padding-left:0}
.lad{position:relative;padding:16px 0 16px 30px;margin-left:0;transition:.3s var(--ease)}
.lad:nth-child(2){margin-left:16px}.lad:nth-child(3){margin-left:32px}
.lad:nth-child(4){margin-left:48px}.lad:nth-child(5){margin-left:64px}.lad:nth-child(6){margin-left:80px}
@media(max-width:767px){.lad{margin-left:0!important}}
.lad::before{content:'';position:absolute;left:-8px;top:26px;width:14px;height:14px;border-radius:4px;
  background:var(--surface);border:2px solid var(--edge-hard);transition:.3s}
.lad:hover::before{background:var(--lime);transform:rotate(45deg)}

/* M5 payments */
.receipt{max-width:720px;margin:0 auto;border:1.5px solid var(--edge-hard);border-radius:var(--r-sm);background:var(--surface);padding:26px;position:relative}
.receipt::after{content:'';position:absolute;left:0;right:0;bottom:-9px;height:9px;
  background:repeating-linear-gradient(135deg,var(--surface) 0 9px,transparent 9px 18px)}
.rline{display:grid;grid-template-columns:1fr auto;gap:14px;padding:15px 0;border-bottom:1.5px dashed var(--edge)}
.rline:last-child{border-bottom:0}

/* M6 debt */
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative}
@media(max-width:860px){.flow{grid-template-columns:1fr;gap:16px}}
.flow-step{border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface);padding:22px;position:relative}
.flow-step::after{content:'\F135';font-family:'bootstrap-icons';position:absolute;right:-20px;top:50%;transform:translateY(-50%);
  color:var(--edge-hard);font-size:1rem}
.flow-step:last-child::after{display:none}
@media(max-width:860px){.flow-step::after{display:none}}
.meter{height:8px;border-radius:8px;background:var(--edge);overflow:hidden;margin-top:16px}
.meter i{display:block;height:100%;background:linear-gradient(90deg,var(--clay),var(--lime));transition:width .8s var(--ease)}

/* M7/M8 blueprints */
.bp{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:center}
@media(max-width:900px){.bp{grid-template-columns:1fr}}
.bp-art{border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface-2);padding:18px}
.bp-art svg{width:100%;height:auto;display:block}
.zone{opacity:.22;transition:opacity .4s var(--ease)}
.zone.lit{opacity:1}
.zrow{display:grid;grid-template-columns:auto 1fr auto;gap:14px;align-items:start;padding:16px;border:1.5px solid var(--edge);
  border-radius:var(--r-sm);background:var(--surface);margin-bottom:10px;cursor:pointer;transition:.3s var(--ease)}
.zrow:hover{border-color:var(--edge-hard)}
.zrow.on{background:var(--lime-soft);border-color:var(--petrol)}
.zdot{width:26px;height:26px;border-radius:7px;border:1.5px solid var(--edge-hard);display:grid;place-items:center;font-size:.75rem;background:var(--surface)}
.zrow.on .zdot{background:var(--lime)}

/* ============================================================
   BENEFITS
   ============================================================ */
.spot{display:grid;grid-template-columns:300px 1fr;gap:26px}
@media(max-width:900px){.spot{grid-template-columns:1fr}}
.spot-list{display:flex;flex-direction:column;gap:2px}
.sbtn{display:grid;grid-template-columns:26px 1fr auto;gap:10px;align-items:center;text-align:left;border:0;background:transparent;
  padding:14px 12px;border-radius:8px;cursor:pointer;font-family:inherit;font-size:.95rem;font-weight:600;color:var(--ink-2);transition:.25s}
.sbtn:hover{background:var(--surface)}
.sbtn.on{background:var(--ink);color:var(--paper)}
.sbtn .k{font-family:'DM Mono',monospace;font-size:.68rem;opacity:.6}
.spot-pane{border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface);padding:32px;box-shadow:var(--hard)}
.fadein{animation:fi .45s var(--ease)}
@keyframes fi{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* ============================================================
   PROCESS
   ============================================================ */
.rail4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;position:relative}
@media(max-width:767px){.rail4{grid-template-columns:repeat(2,1fr)}}
.pstep{border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface);padding:18px;cursor:pointer;
  text-align:left;font-family:inherit;transition:.3s var(--ease)}
.pstep:hover{border-color:var(--edge-hard)}
.pstep.on{background:var(--lime);border-color:var(--edge-hard);box-shadow:var(--hard)}
.pstep .pn{font-family:'DM Mono',monospace;font-size:.72rem;color:var(--muted)}
.pstep.on .pn{color:var(--lime-ink)}
.pdetail{margin-top:16px;border:1.5px dashed var(--edge-hard);border-radius:var(--r);padding:24px;background:var(--surface)}

/* ============================================================
   VOICES
   ============================================================ */
.quote-box{border:1.5px solid var(--edge);border-radius:var(--r-lg);background:var(--surface);padding:34px;box-shadow:var(--hard);position:relative}
.qmk{font-size:3.4rem;line-height:.6;color:var(--lime);font-weight:700}
.who{display:flex;align-items:center;gap:12px;margin-top:20px}
.who .av{width:44px;height:44px;border-radius:11px;border:1.5px solid var(--edge-hard);background:var(--lime-soft);display:grid;place-items:center;font-size:1.2rem}
.qpick{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px}
.qbtn{width:42px;height:42px;border-radius:10px;border:1.5px solid var(--edge);background:var(--surface);font-size:1.05rem;cursor:pointer;transition:.25s}
.qbtn.on{background:var(--lime);border-color:var(--edge-hard);transform:translateY(-3px)}

/* ============================================================
   FAQ
   ============================================================ */
.faq-search{display:flex;align-items:center;gap:10px;border:1.5px solid var(--edge);border-radius:8px;background:var(--surface);padding:10px 14px;margin-bottom:20px}
.faq-search input{border:0;outline:0;background:transparent;flex:1;font-family:inherit;font-size:.95rem;color:var(--ink)}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:860px){.qgrid{grid-template-columns:1fr}}
.qcard{border:1.5px solid var(--edge);border-radius:var(--r);background:var(--surface);padding:18px;cursor:pointer;transition:.3s var(--ease);align-self:start}
.qcard:hover{border-color:var(--edge-hard)}
.qcard.open{background:var(--surface-2);border-color:var(--petrol)}
.qhead{display:grid;grid-template-columns:1fr 24px;gap:10px;align-items:start;font-weight:600;font-size:.97rem}
.qsign{width:22px;height:22px;border-radius:6px;border:1.5px solid var(--edge-hard);display:grid;place-items:center;font-size:.7rem;transition:.3s}
.qcard.open .qsign{background:var(--lime);transform:rotate(45deg)}
.qbody{max-height:0;overflow:hidden;transition:max-height .4s var(--ease),margin .3s}
.qcard.open .qbody{max-height:340px;margin-top:12px}
.qcard.gone{display:none}

/* ============================================================
   FORMS
   ============================================================ */
.lab{font-family:'DM Mono',monospace;font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:6px}
.inp{width:100%;border:1.5px solid var(--edge);background:var(--surface);border-radius:8px;padding:12px 14px;
  font-family:inherit;font-size:.95rem;color:var(--ink);transition:.25s}
.inp:focus{outline:0;border-color:var(--petrol);box-shadow:3px 3px 0 var(--lime)}
.inp.bad{border-color:var(--clay);box-shadow:3px 3px 0 var(--clay-soft)}
.inp option{color:#0C1F1C}
.form-check-input{border-color:var(--edge-hard);background-color:var(--surface)}
.form-check-input:checked{background-color:var(--petrol);border-color:var(--petrol)}
.nl-band{border:1.5px solid var(--edge-hard);border-radius:var(--r-lg);background:var(--surface);padding:36px;box-shadow:6px 6px 0 var(--lime)}
.info-line{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:16px 0;border-bottom:1.5px dashed var(--edge)}
.info-line:last-child{border-bottom:0}
.ibx{width:42px;height:42px;border-radius:10px;border:1.5px solid var(--edge-hard);display:grid;place-items:center;font-size:1.05rem;background:var(--surface-2)}

/* CTA */
.cta{background:var(--lime);border-top:2px solid var(--edge-hard);border-bottom:2px solid var(--edge-hard);padding:70px 0;text-align:center}
.cta h2,.cta p{color:var(--lime-ink)}

/* FOOTER */
.foot{background:var(--surface);border-top:1.5px solid var(--edge);padding:56px 0 26px}
.flink{display:block;padding:5px 0;color:var(--ink-2);font-size:.92rem;transition:.25s}
.flink:hover{color:var(--petrol);transform:translateX(4px)}
.soc{width:38px;height:38px;border-radius:9px;border:1.5px solid var(--edge);display:grid;place-items:center;transition:.25s;background:var(--surface-2)}
.soc:hover{background:var(--lime);border-color:var(--edge-hard)}

/* MODALS + TOASTS */
.modal-content{background:var(--surface);color:var(--ink);border:1.5px solid var(--edge-hard);border-radius:var(--r);box-shadow:8px 8px 0 var(--lime)}
.modal-header,.modal-footer{border-color:var(--edge)}
.modal-body{color:var(--ink-2);max-height:64vh;overflow-y:auto}
.btn-close{filter:var(--cf,none)}
[data-mode="dark"] .btn-close{filter:invert(1) grayscale(1)}
#toasts{position:fixed;left:22px;bottom:22px;z-index:9999;display:flex;flex-direction:column;gap:10px;max-width:330px}
.tst{border:1.5px solid var(--edge-hard);background:var(--surface);border-radius:8px;padding:13px 16px;
  box-shadow:5px 5px 0 var(--lime);display:flex;gap:10px;align-items:flex-start;font-size:.9rem;animation:tin .35s var(--ease)}
@keyframes tin{from{opacity:0;transform:translateX(-24px)}to{opacity:1;transform:none}}
.spin{width:14px;height:14px;border:2px solid rgba(255,255,255,.35);border-top-color:#fff;border-radius:50%;display:inline-block;animation:sp .8s linear infinite}
.btn-lime .spin{border-color:rgba(12,31,28,.3);border-top-color:#0C1F1C}
@keyframes sp{to{transform:rotate(360deg)}}

/* Page Hero (for sub-pages) */
.page-hero{padding:56px 0 40px;background:var(--surface-2);border-bottom:1.5px solid var(--edge)}
.page-hero h1{font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:10px}
.page-breadcrumb{display:flex;gap:8px;align-items:center;font-size:.85rem;color:var(--muted);margin-bottom:16px}
.page-breadcrumb a{color:var(--petrol);font-weight:500}

/* Policy content */
.policy-section{margin-bottom:28px}
.policy-section h3{font-size:1.15rem;margin-bottom:10px;display:flex;align-items:center;gap:10px}
.policy-section h3 .icon{width:32px;height:32px;border-radius:8px;background:var(--lime-soft);display:grid;place-items:center;font-size:.95rem;border:1.5px solid var(--edge-hard)}
.policy-section p{font-size:.96rem;line-height:1.7}