/* ==========================================================================
   Alraedah Invest, Landing page styles
   On top of tokens.css. Page-specific layout + components.
   ========================================================================== */

/* ---- Reset-lite + base --------------------------------------------------- */
* { box-sizing: border-box; }
body { margin: 0; }
a { color: var(--blue-primary); text-decoration: none; }
a:hover { color: var(--blue-600); }
img { max-width: 100%; display: block; }
button { font-family: inherit; }

/* Typography polish, kills orphans, smooths on macOS, tabular numbers backup */
html { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
h1, h2, h3, h4, .hero-title, .section-title, .tool-title, .hero-card-title, .opp-title, .step h3, .faq-q, .why-title, .risk-title { text-wrap: balance; }
p, li, .hero-lead, .section-lede, .faq-a, .risk-card p, .why-body { text-wrap: pretty; }
.tabular, [class*="tabular"], [class*="kpi-num"], [class*="compare-num"], [class*="result-num"], [class*="num-"], .why-num, .outcome-num { font-variant-numeric: tabular-nums; font-feature-settings: 'tnum' 1; }

/* Scale on press for tactile feedback */
.btn, .tenor-btn, .tool-tab, .state-btn, .story-choice-btn { transition-property: background, color, border-color, box-shadow, scale; transition-duration: var(--motion-fast); transition-timing-function: var(--motion-ease); }
.btn:active, .tenor-btn:active, .tool-tab:active, .state-btn:active, .story-choice-btn:active { scale: 0.97; }

/* Better hit areas on nav links (extend without visual change) */
.site-nav a { padding: 10px 0; min-height: 40px; display: inline-flex; align-items: center; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.is-hidden { display: none !important; }
.container { max-width: var(--container-lg); margin: 0 auto; padding: 0 var(--space-6); }
.row-between { display: flex; align-items: center; justify-content: space-between; gap: var(--space-7); }
.row { display: flex; align-items: center; gap: var(--space-4); }

/* ---- Buttons ------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  font: var(--fw-semibold) var(--fs-body-sm)/1 var(--font-latin);
  padding: 12px 18px;
  border-radius: var(--r-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background var(--motion-fast) var(--motion-ease),
              color var(--motion-fast) var(--motion-ease),
              border-color var(--motion-fast) var(--motion-ease),
              box-shadow var(--motion-fast) var(--motion-ease);
  text-decoration: none;
  white-space: nowrap;
}
.btn-lg { padding: 14px 22px; font-size: var(--fs-body-md); }
.btn-primary { background: var(--blue-primary); color: var(--white); border-color: var(--blue-primary); }
.btn-primary:hover { background: var(--blue-600); border-color: var(--blue-600); color: var(--white); }
.btn-gold { background: var(--gold); color: var(--blue-800); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--blue-800); }
.btn-ghost { background: transparent; color: var(--fg-1); border-color: transparent; }
.btn-ghost:hover { background: var(--ink-05); color: var(--fg-1); }
.btn-ghost-on-dark { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.35); }
.btn-ghost-on-dark:hover { background: rgba(255,255,255,0.1); color: var(--white); border-color: rgba(255,255,255,0.6); }
.btn-disabled {
  opacity: 0.55;
  cursor: default;
  pointer-events: none;
}

/* ---- Eyebrow, titles, ledes --------------------------------------------- */
.eyebrow {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--blue-primary);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin: 0 0 var(--space-3);
}
.eyebrow-on-dark { color: var(--gold); }
.section-title { font: var(--fw-bold) 40px/1.1 var(--font-latin); color: var(--blue-800); letter-spacing: -0.015em; margin: 0 0 var(--space-4); }
.section-title-light { color: var(--white); }
.section-lede { font: var(--fw-regular) var(--fs-body-lg)/1.55 var(--font-latin); color: var(--fg-2); max-width: 680px; margin: 0 0 var(--space-9); }
.section-lede-light { color: rgba(255,255,255,0.8); }

/* ---- Site header --------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: var(--z-sticky);
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.site-header .container {
  padding-top: var(--space-4); padding-bottom: var(--space-4);
  /* Allow flex children to shrink so the CTA can't crush the logo */
  min-width: 0;
}
.site-header .logo { flex-shrink: 0; }
.site-header .logo img { display: block; }
.site-nav { display: flex; gap: var(--space-6); }
.site-nav a { font: var(--fw-medium) var(--fs-body-sm) var(--font-latin); color: var(--fg-1); }
.site-nav a:hover { color: var(--blue-primary); }
.site-nav .nav-institutions { color: var(--fg-3); }
.header-actions { display: flex; gap: var(--space-3); align-items: center; }

/* ---- State toolbar (design review only, whispers not shouts) ------------ */
.state-toolbar {
  background: var(--surface-light);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
}
.state-toolbar .row { gap: var(--space-2); flex-wrap: wrap; font-size: 11px; }
.state-toolbar-label {
  font: var(--fw-medium) 11px/1.2 var(--font-latin);
  color: var(--fg-3);
  letter-spacing: 0.02em;
}
.state-btn {
  font: var(--fw-medium) 11px/1 var(--font-latin);
  background: transparent;
  color: var(--fg-3);
  border: none;
  border-radius: var(--r-xs);
  padding: 5px 10px;
  cursor: pointer;
}
.state-btn:hover { color: var(--blue-primary); background: var(--blue-50); }
.state-btn.is-active { background: var(--blue-primary); color: var(--white); }

/* ---- HERO ---------------------------------------------------------------- */
.hero {
  background: linear-gradient(180deg, var(--blue-800) 0%, var(--blue-primary) 100%);
  color: var(--white);
  padding: 96px 0 120px;
  position: relative;
  overflow: hidden;
}
/* Native candlestick texture (mockup 01) — full-width back layer, blue-on-blue,
   sits behind the dot grid and gold flow accent. */
.hero::after {
  content: ''; position: absolute; inset: 0;
  background: url('assets/visuals/hero-candles.jpg') center / cover no-repeat;
  opacity: 0.55;
  pointer-events: none;
  z-index: 0;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.08) 1.5px, transparent 1.5px);
  background-size: 32px 32px;
  opacity: 0.35;
  z-index: 0;
}
.hero > .container { position: relative; z-index: 1; }
.hero-accent {
  position: absolute;
  right: -8%;
  top: -8%;
  width: 72%;
  max-width: 800px;
  height: auto;
  pointer-events: none;
  z-index: 0;
}
.hero-grid {
  position: relative;
  display: grid; grid-template-columns: 1.25fr 1fr;
  gap: var(--space-10); align-items: center;
}
.hero-title { font: var(--fw-bold) 56px/1.05 var(--font-latin); letter-spacing: -0.02em; margin: 0 0 var(--space-5); }
.hero-title .hl { color: var(--gold); }
.hero-lead { font: var(--fw-regular) var(--fs-body-lg)/1.5 var(--font-latin); color: rgba(255,255,255,0.88); max-width: 560px; margin: 0 0 var(--space-7); }
.hero-lead strong { color: var(--white); font-weight: var(--fw-semibold); }
.hero-ctas { display: flex; gap: var(--space-3); flex-wrap: wrap; margin-bottom: var(--space-5); }
.hero-disclosure { font: var(--fw-regular) var(--fs-disclosure)/1.5 var(--font-latin); color: rgba(255,255,255,0.6); max-width: 560px; margin: 0; }

/* Hero card (featured opportunity, empty, between states) — liquid glass over the brand gradient */
.hero-card {
  position: relative;
  color: var(--fg-1);
  border-radius: var(--r-lg);
  padding: var(--space-7);
  background: linear-gradient(135deg, rgba(255,255,255,0.94) 0%, rgba(255,255,255,0.80) 100%);
  border: 1px solid rgba(255,255,255,0.6);
  backdrop-filter: blur(22px) saturate(150%);
  -webkit-backdrop-filter: blur(22px) saturate(150%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.9),
    0 24px 60px rgba(7, 22, 56, 0.35);
  overflow: hidden;
}
.hero-card::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  pointer-events: none;
  background: radial-gradient(120% 60% at 0% 0%, rgba(255,255,255,0.45) 0%, transparent 55%);
}
.hero-card > * { position: relative; z-index: 1; }
.hero-card-empty, .hero-card-between { padding: var(--space-7); }
.hero-card-title { font: var(--fw-semibold) var(--fs-heading-md)/1.25 var(--font-latin); color: var(--blue-800); margin: var(--space-3) 0 var(--space-2); }
.hero-card-sub { font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin); color: var(--fg-3); margin: 0 0 var(--space-5); }

.tag-gold {
  display: inline-block;
  font: var(--fw-semibold) 10px/1 var(--font-latin);
  color: var(--gold-600);
  background: var(--gold-50);
  padding: 6px 10px;
  border-radius: var(--r-pill);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.tag-muted {
  display: inline-block;
  font: var(--fw-semibold) 10px/1 var(--font-latin);
  color: var(--fg-3);
  background: var(--surface-pale);
  padding: 6px 10px;
  border-radius: var(--r-pill);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* KPI row and cells */
.kpi-row { display: flex; gap: var(--space-6); margin-bottom: var(--space-3); }
.kpi-row-sm { gap: var(--space-5); }
.kpi { min-width: 0; }
.kpi-num { font: var(--fw-bold) 22px/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; }
.kpi-num-gold { color: var(--gold-600); }
.kpi-label {
  font: var(--fw-medium) 10px/1.2 var(--font-latin);
  color: var(--fg-3);
  margin-top: 6px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.kpi-label .anno { display: block; color: var(--gold-600); text-transform: none; letter-spacing: 0; font-weight: var(--fw-regular); margin-top: 2px; }

/* Progress */
.progress { height: 6px; background: var(--blue-50); border-radius: var(--r-pill); overflow: hidden; margin-top: var(--space-3); }
.progress-fill { height: 100%; background: var(--blue-primary); transition: width var(--motion-slow) var(--motion-ease); }
.progress-fill-complete { background: var(--success); }
.progress-meta {
  display: flex; justify-content: space-between;
  font: var(--fw-medium) 11px/1.2 var(--font-latin); color: var(--fg-3);
  margin-top: var(--space-2);
}

/* Card disclosure (always under returns/CTAs) */
.card-disclosure {
  font: var(--fw-regular) 11px/1.5 var(--font-latin); color: var(--fg-3);
  margin-top: var(--space-4); padding-top: var(--space-3);
  border-top: 1px solid var(--border);
}
.card-line {
  font: var(--fw-medium) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-2); margin: 0 0 var(--space-4);
}

/* Notify form */
.notify-form { display: flex; gap: var(--space-2); margin-top: var(--space-4); }
.notify-form input {
  flex: 1;
  font: var(--fw-regular) var(--fs-body-sm) var(--font-latin);
  padding: 12px 14px;
  border: 1px solid var(--border-strong);
  border-radius: var(--r-sm);
  color: var(--fg-1);
  background: var(--white);
}
.notify-form input:focus { outline: none; border-color: var(--blue-primary); box-shadow: var(--shadow-focus); }
.notify-form-wide { max-width: 480px; margin-top: var(--space-5); }
.notify-form-dark input { border-color: rgba(255,255,255,0.25); background: rgba(255,255,255,0.06); color: var(--white); }
.notify-form-dark input::placeholder { color: rgba(255,255,255,0.55); }
.notify-form-dark input:focus { border-color: var(--gold); box-shadow: var(--shadow-focus-gold); }

/* Sample anatomy (inside empty state hero card) */
.sample-anatomy { margin-top: var(--space-6); padding-top: var(--space-5); border-top: 1px dashed var(--border-strong); }
.sample-lbl {
  font: var(--fw-semibold) 10px/1 var(--font-latin);
  color: var(--gold-600); background: var(--gold-50);
  padding: 5px 10px; border-radius: var(--r-xs);
  text-transform: uppercase; letter-spacing: 0.08em;
  display: inline-block; margin-bottom: var(--space-3);
}
.sample-note { font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin); color: var(--fg-3); margin: 0 0 var(--space-4); }
.anatomy-card {
  background: var(--surface-light);
  border: 1px dashed var(--border-strong);
  border-radius: var(--r-md);
  padding: var(--space-4);
}
.anatomy-card .cat, .anatomy-card h4 { opacity: 0.7; }

/* ---- TRUST BAR ----------------------------------------------------------- */
.trust-bar { padding: var(--space-7) 0; border-bottom: 1px solid var(--border); background: var(--white); }
.trust-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-7); align-items: center; }
.trust-item { display: flex; gap: var(--space-3); align-items: center; min-width: 0; }
.trust-icon {
  width: 44px; height: 44px;
  border-radius: var(--r-sm);
  background: var(--blue-50);
  color: var(--blue-primary);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 22px; height: 22px; }
.trust-icon-gold { background: var(--gold-50); color: var(--gold-600); }
/* SAMA mark: use logo image when present, fall back to inline SVG shield */
.trust-icon-sama { background: var(--white); border: 1px solid var(--border); padding: 4px; }
.trust-icon-sama .sama-mark { width: 100%; height: 100%; object-fit: contain; display: block; }
.trust-icon-sama:not(.has-mark) { background: var(--blue-50); border: 0; padding: 0; }
.trust-icon-sama.has-mark .sama-fallback { display: none; }
.trust-title { font: var(--fw-semibold) var(--fs-body-sm)/1.3 var(--font-latin); color: var(--blue-800); }
.trust-sub { font: var(--fw-regular) 12px/1.4 var(--font-latin); color: var(--fg-3); margin-top: 2px; }

/* ---- Section container --------------------------------------------------- */
.section { padding: var(--space-11) 0; }
.section-subtle { background: var(--surface-light); }
.section-dark { background: var(--blue-800); color: var(--white); }
.section-narrow { padding: var(--space-9) 0; }

/* Dot-pair brand accent (mockup 02) — sits at the heading row, right side. */
.has-dotpair { position: relative; }
.dotpair-accent {
  position: absolute;
  top: var(--space-9);
  right: var(--space-3);
  width: 220px;
  height: auto;
  pointer-events: none;
}
[dir="rtl"] .dotpair-accent { right: auto; left: var(--space-3); }

/* ---- HOW IT WORKS -------------------------------------------------------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.step {
  background: var(--surface-light);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-7);
}
.step-art {
  width: 100%;
  aspect-ratio: 280 / 200;
  margin: 0 0 var(--space-5) 0;
  background: linear-gradient(180deg, rgba(241,195,27,0.06) 0%, rgba(31,65,136,0.04) 100%);
  border: 1px solid rgba(255,255,255,0.5);
  border-radius: var(--r-md);
  padding: var(--space-3);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.7),
    0 6px 24px rgba(15, 38, 87, 0.08);
  overflow: hidden;
}
.step-art svg { width: 100%; height: 100%; display: block; }
.step-num {
  display: inline-block;
  font: var(--fw-semibold) 11px/1 var(--font-latin);
  color: var(--gold-600);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: var(--space-3);
}
.step h3 { font: var(--fw-semibold) var(--fs-heading-sm)/1.3 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-2); }
.step p { font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin); color: var(--fg-2); margin: 0; }

/* ---- Opportunities section ---------------------------------------------- */
.section-head-row {
  display: flex; align-items: flex-end; justify-content: space-between; gap: var(--space-7);
  margin-bottom: var(--space-8); flex-wrap: wrap;
}
.section-head-row .section-title { margin-bottom: 0; }
.link-arrow { font: var(--fw-semibold) var(--fs-body-sm) var(--font-latin); color: var(--blue-primary); }
.section-note {
  font: var(--fw-regular) var(--fs-disclosure)/1.5 var(--font-latin);
  color: var(--fg-3);
  margin: 0 0 var(--space-5);
}

.opps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.opp-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-5);
  box-shadow: var(--shadow-2);
  transition: box-shadow var(--motion-base) var(--motion-ease), transform var(--motion-base) var(--motion-ease);
}
.opp-card:hover { box-shadow: var(--shadow-3); transform: translateY(-2px); }
.opp-card-past:hover { transform: none; box-shadow: var(--shadow-2); cursor: default; }
.cat-pill {
  display: inline-block;
  font: var(--fw-semibold) 11px/1 var(--font-latin);
  color: var(--blue-primary);
  background: var(--blue-50);
  padding: 5px 10px;
  border-radius: var(--r-pill);
  margin-bottom: var(--space-3);
}
.cat-pill-past { color: var(--success); background: var(--success-bg); }
.opp-title { font: var(--fw-semibold) 17px/1.3 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-4); }
.opp-card .card-disclosure { font-size: 11px; margin-top: var(--space-3); padding-top: var(--space-2); }

/* Empty state */
.empty-state {
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-8);
  background: var(--white);
  border: 1px dashed var(--border-strong);
  border-radius: var(--r-lg);
  padding: var(--space-9);
}
.empty-state h3 { font: var(--fw-semibold) 24px/1.25 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-3); }
.empty-state > .empty-head > p { font: var(--fw-regular) var(--fs-body-md)/1.55 var(--font-latin); color: var(--fg-2); margin: 0 0 var(--space-4); }
.sample-card-wrap .sample-lbl { margin-bottom: var(--space-3); }
.opp-card-sample { background: var(--surface-light); border-style: dashed; }
.opp-card-sample .anno { color: var(--gold-600); font-weight: var(--fw-regular); font-size: 11px; text-transform: none; letter-spacing: 0; }
.opp-card-sample:hover { transform: none; box-shadow: var(--shadow-2); }

/* Between-deals state */
.between-state {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: var(--space-8);
}
.between-head p { font: var(--fw-regular) var(--fs-body-md)/1.55 var(--font-latin); color: var(--fg-2); margin: 0 0 var(--space-6); }
.between-head h3 { font: var(--fw-semibold) 24px/1.25 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-2); }
.between-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-8); align-items: center; }
.between-cta h4 { font: var(--fw-semibold) 20px/1.25 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-2); }
.between-cta p { font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin); color: var(--fg-2); margin: 0; }

/* ---- RETURNS section ---------------------------------------------------- */
.returns-clarity {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.85fr);
  gap: var(--space-6);
  align-items: stretch;
  margin: var(--space-8) 0 var(--space-7);
}
.clarity-copy {
  background: var(--surface-light);
  border-radius: var(--r-md);
  padding: var(--space-7);
}
.clarity-kicker {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--blue-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.clarity-copy h3 {
  font: var(--fw-semibold) var(--fs-heading-md)/1.2 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-3);
}
.clarity-copy p:last-child {
  font: var(--fw-regular) var(--fs-body-md)/1.55 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.clarity-rule {
  display: grid;
  gap: var(--space-3);
  align-content: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-6);
}
.rule-row {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: var(--space-4);
  align-items: center;
  padding: var(--space-4);
  border-radius: var(--r-sm);
  background: var(--surface-light);
}
.rule-row-accent { background: var(--gold-50); }
.rule-label {
  font: var(--fw-semibold) var(--fs-body-sm)/1.2 var(--font-latin);
  color: var(--blue-800);
}
.rule-text {
  font: var(--fw-regular) var(--fs-body-sm)/1.45 var(--font-latin);
  color: var(--fg-2);
}
.compare-summary {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5);
  margin: 0 0 var(--space-5);
}
.compare-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-6);
}
.compare-card-accent { border-color: var(--blue-200); background: var(--blue-50); }
.compare-card-best { border-color: var(--gold-200); background: var(--gold-50); }
.compare-label {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--fg-3); text-transform: uppercase; letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.compare-num { font: var(--fw-bold) 40px/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; margin-bottom: var(--space-2); }
.compare-num-accent { color: var(--blue-primary); }
.compare-num-best { color: var(--gold-600); }
.compare-sub { font: var(--fw-medium) var(--fs-body-sm)/1.4 var(--font-latin); color: var(--fg-2); margin: 0 0 var(--space-3); }
.compare-meta { font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin); color: var(--fg-3); margin: 0; }
.compare-disclosure {
  font: var(--fw-regular) var(--fs-disclosure)/1.5 var(--font-latin);
  color: var(--fg-3); margin: 0 0 var(--space-9);
}

/* Unified shell wrapping the calculator + payment story as one container */
.returns-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-2);
  margin-bottom: var(--space-7);
  overflow: hidden;
}
.returns-card > .tool-primary {
  background: transparent;
  border: 0;
  border-radius: 0;
  margin-bottom: 0;
  box-shadow: none;
}
.returns-card > .payment-story {
  margin: 0;
  border-radius: 0;
  border-top: 1px solid var(--border);
}

/* Primary tool (calculator) */
.tool-primary {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: var(--space-9);
  margin-bottom: var(--space-7);
  box-shadow: var(--shadow-2);
}
.tool-head { margin-bottom: var(--space-7); }
.tool-title { font: var(--fw-semibold) var(--fs-heading-lg)/1.15 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-2); }
.tool-sub { font: var(--fw-regular) var(--fs-body-md)/1.5 var(--font-latin); color: var(--fg-2); margin: 0; }
.crossover-mark { color: var(--gold-600); }
.tool-disclosure { font: var(--fw-regular) var(--fs-disclosure)/1.5 var(--font-latin); color: var(--fg-3); margin: var(--space-5) 0 0; }

.calc-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: var(--space-9); align-items: start; }
.input-label { font: var(--fw-semibold) 11px/1.2 var(--font-latin); color: var(--fg-3); text-transform: uppercase; letter-spacing: 0.08em; display: block; margin-bottom: var(--space-2); }
.calc-amount { font: var(--fw-bold) var(--fs-num-md)/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; margin-bottom: var(--space-3); }
#calc-amount { width: 100%; accent-color: var(--blue-primary); }
.range-minmax { display: flex; justify-content: space-between; font: var(--fw-medium) 11px/1 var(--font-latin); color: var(--fg-3); margin-top: var(--space-2); }
.tenor-selector { display: flex; gap: var(--space-2); }
.tenor-btn {
  flex: 1;
  font: var(--fw-semibold) var(--fs-body-sm)/1 var(--font-latin);
  padding: 10px 14px;
  border: 1px solid var(--border);
  background: var(--white);
  border-radius: var(--r-sm);
  cursor: pointer;
  color: var(--fg-2);
}
.tenor-btn:hover { border-color: var(--blue-300); color: var(--blue-primary); }
.tenor-btn.is-active { background: var(--blue-primary); color: var(--white); border-color: var(--blue-primary); }
.rate-display { font: var(--fw-bold) var(--fs-heading-md)/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; }
.rate-note { font: var(--fw-regular) var(--fs-body-sm) var(--font-latin); color: var(--fg-3); margin-left: var(--space-2); }

.calc-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.result-card {
  background: var(--surface-light);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-5);
}
.result-card-mid { background: var(--blue-50); border-color: var(--blue-200); }
.result-card-best { background: var(--gold-50); border-color: var(--gold-200); }
.result-label {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--fg-3); text-transform: uppercase; letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.result-card-mid .result-label { color: var(--blue-primary); }
.result-card-best .result-label { color: var(--gold-600); }
.result-num { font: var(--fw-bold) 28px/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; margin-bottom: var(--space-1); }
.result-card-best .result-num { color: var(--gold-600); }
.result-profit {
  font: var(--fw-semibold) var(--fs-body-md)/1 var(--font-num);
  color: var(--fg-2); font-feature-settings: 'tnum' 1; margin-bottom: var(--space-3);
}
.result-card-best .result-profit { color: var(--gold-600); }
.result-note { font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin); color: var(--fg-3); margin: 0; }
.result-note strong { color: var(--gold-600); font-weight: var(--fw-semibold); }

/* Alternative view, the simpler restatement of the calculator block */
.returns-alt {
  margin: var(--space-8) 0 var(--space-9);
  padding: var(--space-8) var(--space-7);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  text-align: center;
}
/* Portrait variant (mockup 03) — figure on the left, copy on the right */
.returns-alt-portrait {
  display: grid;
  grid-template-columns: minmax(220px, 320px) 1fr;
  gap: var(--space-7);
  align-items: center;
  text-align: left;
}
.returns-alt-portrait .alt-lede,
.returns-alt-portrait .alt-choices { margin-left: 0; margin-right: 0; }
.returns-alt-portrait .alt-steps { justify-content: flex-start; }
.alt-figure {
  width: 100%;
  height: auto;
  display: block;
  align-self: center;
  user-select: none;
}
[dir="rtl"] .returns-alt-portrait { grid-template-columns: 1fr minmax(220px, 320px); }
[dir="rtl"] .returns-alt-portrait .alt-figure { order: 2; }
.alt-eyebrow {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--blue-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.alt-title {
  font: var(--fw-semibold) var(--fs-heading-lg)/1.2 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-3);
}
.alt-lede {
  font: var(--fw-regular) var(--fs-body-lg)/1.55 var(--font-latin);
  color: var(--fg-2);
  max-width: 560px;
  margin: 0 auto var(--space-7);
}
.alt-steps {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-7);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: var(--space-3) var(--space-5);
}
.alt-steps > li {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font: var(--fw-medium) var(--fs-body-md)/1.2 var(--font-latin);
  color: var(--fg-1);
}
.alt-dot {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: var(--blue-50);
  color: var(--blue-primary);
  font: var(--fw-semibold) 12px/1 var(--font-latin);
}
.alt-arrow {
  color: var(--fg-3);
  font-size: 18px;
  line-height: 1;
}
.alt-choices {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  max-width: 560px;
  margin: 0 auto var(--space-5);
  text-align: left;
}
.alt-choice {
  padding: var(--space-5);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  background: var(--surface-light);
  transition: border-color 160ms ease;
}
.alt-choice:hover { border-color: var(--blue-300); }
.alt-choice-best { background: var(--gold-50); border-color: var(--gold-200); }
.alt-choice-title {
  font: var(--fw-semibold) var(--fs-body-md)/1.2 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-1);
}
.alt-choice-best .alt-choice-title { color: var(--gold-600); }
.alt-choice-body {
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.alt-foot {
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-3);
  margin: var(--space-5) 0 0;
}
.alt-foot a {
  color: var(--blue-primary);
  font-weight: var(--fw-semibold);
  border-bottom: 1px solid transparent;
  transition: border-color 160ms ease;
}
.alt-foot a:hover { border-bottom-color: var(--blue-primary); }

/* Payment story, simple first explanation */
.payment-story {
  margin: var(--space-8) 0 var(--space-7);
  padding: var(--space-9);
  background: var(--surface-light);
  border-radius: var(--r-lg);
}
.story-head {
  max-width: 760px;
  margin-bottom: var(--space-7);
}
.story-kicker {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--blue-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.story-head h3 {
  font: var(--fw-semibold) var(--fs-heading-lg)/1.15 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-3);
}
.story-head p {
  font: var(--fw-regular) var(--fs-body-md)/1.6 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.payment-flow {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 40px minmax(0, 1.15fr) 40px minmax(0, 1.15fr);
  gap: var(--space-4);
  align-items: stretch;
}
.flow-step {
  min-height: 190px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-6);
  box-shadow: var(--shadow-1);
}
.flow-step-accent {
  border-color: var(--blue-200);
  background: var(--blue-50);
}
.flow-step-choice {
  border-color: var(--gold-200);
  background: var(--gold-50);
}
.flow-num {
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--r-pill);
  background: var(--blue-primary);
  color: var(--white);
  font: var(--fw-bold) var(--fs-body-sm)/1 var(--font-num);
  margin-bottom: var(--space-4);
}
.flow-step-choice .flow-num {
  background: var(--gold);
  color: var(--blue-800);
}
.flow-label {
  font: var(--fw-semibold) var(--fs-body-sm)/1.35 var(--font-latin);
  color: var(--fg-3);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.flow-value {
  font: var(--fw-bold) var(--fs-num-lg)/1 var(--font-num);
  color: var(--blue-800);
  margin-bottom: var(--space-3);
}
.flow-note {
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.flow-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-primary);
}
.flow-arrow svg {
  width: 40px;
  height: 24px;
}
.story-choice {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-2);
  margin-bottom: var(--space-4);
}
.story-choice-btn {
  min-height: 40px;
  border: 1px solid var(--gold-200);
  border-radius: var(--r-sm);
  background: var(--white);
  color: var(--blue-800);
  font: var(--fw-semibold) var(--fs-body-sm)/1 var(--font-latin);
  cursor: pointer;
}
.story-choice-btn:hover {
  border-color: var(--gold);
}
.story-choice-btn.is-active {
  background: var(--blue-800);
  border-color: var(--blue-800);
  color: var(--white);
}
.simple-views {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.65fr);
  gap: var(--space-5);
  margin-top: var(--space-6);
}
.simple-view {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-6);
}
.simple-view-head {
  display: flex;
  justify-content: space-between;
  gap: var(--space-5);
  align-items: baseline;
  margin-bottom: var(--space-5);
}
.simple-view h4 {
  font: var(--fw-semibold) var(--fs-heading-sm)/1.25 var(--font-latin);
  color: var(--blue-800);
  margin: 0;
}
.simple-view-head p {
  max-width: 360px;
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-3);
  margin: 0;
}
.month-comparison {
  display: grid;
  gap: var(--space-4);
}
.month-row {
  display: grid;
  grid-template-columns: 150px minmax(0, 1fr);
  gap: var(--space-4);
  align-items: center;
}
.month-row-label strong {
  display: block;
  font: var(--fw-semibold) var(--fs-body-md)/1.25 var(--font-latin);
  color: var(--blue-800);
}
.month-row-label span {
  display: block;
  font: var(--fw-regular) var(--fs-body-sm)/1.35 var(--font-latin);
  color: var(--fg-3);
  margin-top: 3px;
}
.month-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(68px, 1fr));
  gap: var(--space-2);
}
.month-pill {
  min-height: 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  border-radius: var(--r-sm);
  background: var(--surface-light);
  color: var(--fg-2);
  padding: var(--space-2);
  text-align: center;
}
.month-pill strong {
  font: var(--fw-semibold) 11px/1 var(--font-latin);
  color: var(--fg-3);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.month-pill span {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-num);
  color: var(--fg-2);
}
.month-pill-active {
  background: var(--blue-50);
  outline: 1px solid var(--blue-200);
}
.month-pill-active span {
  color: var(--blue-primary);
}
.month-pill-final {
  background: var(--gold-50);
  outline: 1px solid var(--gold-200);
}
.month-pill-final span {
  color: var(--gold-600);
}
.month-pill-ellipsis {
  background: transparent;
  outline: 1px dashed var(--border-strong);
}
.result-explainer {
  background: var(--blue-800);
  color: var(--white);
  border-color: var(--blue-800);
}
.result-eyebrow {
  font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin);
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 var(--space-3);
}
.story-result-num {
  font: var(--fw-bold) var(--fs-num-lg)/1 var(--font-num);
  color: var(--white);
  margin-bottom: var(--space-4);
}
.story-result-copy {
  font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin);
  color: rgba(255,255,255,0.78);
  margin: 0 0 var(--space-5);
}
.result-mini-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
}
.result-mini-grid div {
  background: rgba(255,255,255,0.08);
  border-radius: var(--r-sm);
  padding: var(--space-4);
}
.result-mini-grid span {
  display: block;
  font: var(--fw-medium) 11px/1.2 var(--font-latin);
  color: rgba(255,255,255,0.62);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-2);
}
.result-mini-grid strong {
  display: block;
  font: var(--fw-semibold) var(--fs-body-md)/1.2 var(--font-num);
  color: var(--white);
}

/* Advanced tools, optional after the simple story */
.advanced-tools {
  margin-top: var(--space-7);
}
.advanced-tools summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-5);
  padding: var(--space-5) var(--space-6);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  cursor: pointer;
  box-shadow: var(--shadow-1);
  list-style: none;
}
.advanced-tools summary::-webkit-details-marker { display: none; }
.advanced-tools summary::after {
  content: '+';
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 32px;
  border-radius: var(--r-pill);
  background: var(--blue-50);
  color: var(--blue-primary);
  font: var(--fw-bold) 22px/1 var(--font-latin);
}
.advanced-tools[open] summary::after {
  content: '-';
}
.advanced-tools summary strong {
  display: block;
  font: var(--fw-semibold) var(--fs-body-md)/1.25 var(--font-latin);
  color: var(--blue-800);
}
.advanced-tools summary em {
  display: block;
  font: normal var(--fw-regular) var(--fs-body-sm)/1.45 var(--font-latin);
  color: var(--fg-3);
  margin-top: 2px;
}

/* Secondary tools tabs */
.tool-picker {
  display: grid;
  grid-template-columns: minmax(260px, 0.8fr) minmax(0, 1.4fr);
  gap: var(--space-7);
  align-items: center;
  margin: var(--space-8) 0 var(--space-6);
}
.tool-picker-copy h3 {
  font: var(--fw-semibold) var(--fs-heading-md)/1.2 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-2);
}
.tool-picker-copy p {
  font: var(--fw-regular) var(--fs-body-md)/1.55 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.tools-tabs {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-3);
}
.tool-tab {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  min-height: 78px;
  text-align: left;
  font-family: var(--font-latin);
  padding: var(--space-4);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  cursor: pointer;
  color: var(--fg-1);
  box-shadow: var(--shadow-1);
}
.tool-tab:hover {
  border-color: var(--blue-200);
  box-shadow: var(--shadow-2);
}
.tool-tab.is-active {
  border-color: var(--blue-primary);
  box-shadow: var(--shadow-focus);
}
.tool-tab-icon {
  width: 40px;
  height: 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 40px;
  border-radius: var(--r-sm);
  background: var(--blue-50);
  color: var(--blue-primary);
}
.tool-tab-icon svg { width: 22px; height: 22px; }
.tool-tab.is-active .tool-tab-icon {
  background: var(--blue-primary);
  color: var(--white);
}
.tool-tab-copy {
  display: flex;
  flex-direction: column;
  gap: 3px;
  min-width: 0;
}
.tool-tab-title {
  font: var(--fw-semibold) var(--fs-body-md)/1.2 var(--font-latin);
  color: var(--blue-800);
}
.tool-tab-desc {
  font: var(--fw-regular) var(--fs-body-sm)/1.35 var(--font-latin);
  color: var(--fg-3);
}

.tool-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: var(--space-9);
  box-shadow: var(--shadow-2);
}

/* Timeline graph */
.graph-wrap { margin-top: var(--space-6); }
#timeline-canvas { width: 100%; height: auto; max-width: 100%; border-radius: var(--r-sm); background: var(--surface-light); }

/* Story chips replace the legend: each chip reads like a short sentence */
.story-chips {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4);
  list-style: none; padding: 0; margin: var(--space-6) 0 0;
}
.chip {
  padding: var(--space-4) var(--space-5);
  border-radius: var(--r-md);
  border-left: 4px solid;
  background: var(--surface-light);
  font-size: var(--fs-body-sm); line-height: 1.5;
  color: var(--fg-2);
}
.chip strong {
  display: block;
  font: var(--fw-semibold) var(--fs-body-md)/1.3 var(--font-latin);
  margin-bottom: 2px;
}
.chip-bank { border-left-color: var(--fg-3); }
.chip-bank strong { color: var(--fg-1); }
.chip-alr { border-left-color: var(--blue-primary); background: var(--blue-50); }
.chip-alr strong { color: var(--blue-primary); }
.chip-reinv { border-left-color: var(--gold); background: var(--gold-50); }
.chip-reinv strong { color: var(--gold-600); }
.chip-reinv::after {
  content: '';
}

@media (max-width: 768px) {
  .story-chips { grid-template-columns: 1fr; }
}

/* ---- Opportunity proof --------------------------------------------------- */
.opportunity-proof {
  padding: var(--space-9) 0;
  background:
    linear-gradient(180deg, var(--surface-light) 0%, var(--white) 82%);
  overflow: hidden;
}
.opportunity-proof-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(260px, 0.62fr) minmax(0, 1fr);
  gap: var(--space-5);
  align-items: center;
}
.proof-card,
.proof-thesis {
  border-radius: var(--r-lg);
  background: rgba(255,255,255,0.78);
  box-shadow:
    inset 0 0 0 1px rgba(0,0,0,0.06),
    0 20px 54px rgba(15, 38, 87, 0.10);
}
.proof-card {
  display: grid;
  grid-template-rows: auto auto;
  gap: var(--space-4);
  padding: var(--space-6);
}
.proof-card-business,
.proof-card-process {
  transform: none;
}
.proof-media {
  margin: 0;
  position: relative;
  align-self: end;
  border-radius: calc(var(--r-lg) - var(--space-6));
  overflow: hidden;
  box-shadow:
    inset 0 0 0 1px rgba(0,0,0,0.10),
    0 14px 34px rgba(15, 38, 87, 0.14);
}
.proof-media::after {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  box-shadow: inset 0 0 0 1px rgba(0,0,0,0.10);
  border-radius: inherit;
}
.proof-media img {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 10;
  max-height: 255px;
  object-fit: cover;
}
.proof-media-primary img { object-position: 52% center; }
.proof-media-secondary img { object-position: center; }
.proof-copy {
  max-width: 100%;
}
.proof-copy p:last-child {
  font: var(--fw-regular) var(--fs-body)/1.62 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
  text-wrap: pretty;
}
.proof-copy .section-title {
  margin-bottom: var(--space-4);
}
.proof-copy h3 {
  font: var(--fw-semibold) clamp(24px, 2vw, 32px)/1.16 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-3);
  text-wrap: balance;
}
.proof-thesis {
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
  min-height: 360px;
  padding: var(--space-7) var(--space-6);
  background:
    radial-gradient(ellipse 95% 72% at 50% 42%, rgba(241,195,27,0.18), transparent 70%),
    var(--blue-900);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.proof-thesis::before,
.proof-thesis::after {
  content: '';
  position: absolute;
  left: 50%;
  width: 1px;
  height: 72px;
  background: linear-gradient(to bottom, transparent, rgba(241,195,27,0.68), transparent);
  transform: translateX(-50%);
}
.proof-thesis::before { top: 0; }
.proof-thesis::after { bottom: 0; }
.proof-thesis p {
  font: var(--fw-bold) clamp(30px, 3.2vw, 42px)/1.07 var(--font-latin);
  letter-spacing: -0.01em;
  margin: 0 0 var(--space-6);
  text-wrap: balance;
}
.proof-thesis span { color: var(--gold); }
.proof-thesis cite {
  display: inline-block;
  align-self: center;
  max-width: 18ch;
  font: var(--fw-semibold) 10px/1.55 var(--font-latin);
  color: rgba(255,255,255,0.72);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-style: normal;
}

/* Cash flow table */
.table-controls { margin: var(--space-6) 0 var(--space-5); }
.switch { display: inline-flex; align-items: center; gap: var(--space-3); cursor: pointer; }
.switch input { position: absolute; opacity: 0; pointer-events: none; }
.switch-slider {
  width: 44px; height: 24px;
  background: var(--border-strong);
  border-radius: var(--r-pill);
  position: relative;
  transition: background var(--motion-fast) var(--motion-ease);
}
.switch-slider::after {
  content: ''; position: absolute; top: 2px; left: 2px;
  width: 20px; height: 20px; border-radius: var(--r-pill);
  background: var(--white);
  box-shadow: var(--shadow-1);
  transition: transform var(--motion-fast) var(--motion-ease);
}
.switch input:checked + .switch-slider { background: var(--blue-primary); }
.switch input:checked + .switch-slider::after { transform: translateX(20px); }
.switch-label { font: var(--fw-semibold) var(--fs-body-sm) var(--font-latin); color: var(--fg-1); }

.table-wrap { overflow-x: auto; }
.cashflow-table { width: 100%; border-collapse: collapse; }
.cashflow-table th {
  font: var(--fw-semibold) var(--fs-body-sm)/1.4 var(--font-latin);
  color: var(--fg-3);
  text-align: left;
  padding: var(--space-3) var(--space-4);
  background: var(--surface-light);
  border-bottom: 1px solid var(--border);
}
.cashflow-table td {
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  padding: var(--space-3) var(--space-4);
  border-bottom: 1px solid var(--border);
  color: var(--fg-1);
}
.cashflow-table tr:last-child td { border-bottom: none; font-weight: var(--fw-semibold); }
.cashflow-table tr.is-highlighted td { background: var(--gold-50); }

/* Money flow simulator */
.sim-wrap {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5);
  margin: var(--space-6) 0 var(--space-5);
}
.sim-scene {
  background: var(--surface-light);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-6);
  min-height: 280px;
  display: flex; flex-direction: column; justify-content: space-between;
  gap: var(--space-3);
}
.sim-scene.sim-reinv { background: var(--gold-50); border-color: var(--gold-200); }
.sim-label { font: var(--fw-semibold) var(--fs-body-sm)/1.3 var(--font-latin); color: var(--blue-800); margin: 0; }
.sim-bar {
  position: relative;
  height: 140px;
  background: var(--blue-100);
  border-radius: var(--r-sm);
  overflow: hidden;
  display: flex; align-items: flex-end;
}
.sim-bar .sim-fill {
  width: 100%;
  background: var(--blue-primary);
  transition: height var(--motion-slow) var(--motion-ease);
}
.sim-bar-gold { background: var(--gold-100); }
.sim-bar-gold .sim-fill { background: var(--gold); }
.sim-cap {
  position: absolute; top: 8px; left: 10px;
  font: var(--fw-bold) var(--fs-num-sm)/1 var(--font-num);
  color: var(--blue-800); font-feature-settings: 'tnum' 1;
  transition: color 200ms var(--motion-ease);
}
.sim-bar:not(.sim-bar-gold) .sim-cap.is-covered { color: var(--white); }
.sim-pocket {
  background: var(--blue-primary);
  color: var(--white);
  border-radius: var(--r-sm);
  padding: var(--space-5);
  flex: 1;
  display: flex; flex-direction: column; justify-content: center;
}
.pocket-label { font: var(--fw-medium) 11px/1.2 var(--font-latin); text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.75); margin: 0 0 var(--space-2); }
.pocket-num { font: var(--fw-bold) var(--fs-num-md)/1 var(--font-num); color: var(--white); font-feature-settings: 'tnum' 1; }
.sim-month { font: var(--fw-medium) var(--fs-body-sm)/1 var(--font-num); color: var(--fg-3); margin: 0; font-feature-settings: 'tnum' 1; }
.sim-controls { display: flex; gap: var(--space-3); margin-top: var(--space-5); }
.sim-outcomes {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4);
  margin-top: var(--space-6); padding-top: var(--space-6); border-top: 1px solid var(--border);
}
.sim-outcomes[hidden] { display: none; }
.outcome-card {
  background: var(--surface-light);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--space-5);
  text-align: center;
}
.outcome-card-mid { background: var(--blue-50); border-color: var(--blue-200); }
.outcome-card-best { background: var(--gold-50); border-color: var(--gold-200); }
.outcome-label { font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin); color: var(--fg-3); text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 var(--space-2); }
.outcome-num { font: var(--fw-bold) var(--fs-num-md)/1 var(--font-num); color: var(--blue-800); font-feature-settings: 'tnum' 1; }
.outcome-card-best .outcome-num { color: var(--gold-600); }

/* ---- WHY (section-dark) -------------------------------------------------- */
#why { position: relative; overflow: hidden; }
.why-dotpair {
  position: absolute;
  top: var(--space-7);
  left: var(--space-7);
  width: clamp(80px, 8vw, 120px);
  height: auto;
  pointer-events: none;
  user-select: none;
  z-index: 0;
}
.why-phone {
  position: absolute;
  left: clamp(-40px, -2vw, 0px);
  bottom: 0;
  width: clamp(280px, 28vw, 420px);
  height: auto;
  pointer-events: none;
  user-select: none;
  z-index: 1;
}
[dir="rtl"] .why-dotpair { left: auto; right: var(--space-7); }
[dir="rtl"] .why-phone { left: auto; right: clamp(-40px, -2vw, 0px); transform: scaleX(-1); }
.why-container { position: relative; z-index: 2; padding-left: clamp(0px, 18vw, 260px); }
[dir="rtl"] .why-container { padding-left: 0; padding-right: clamp(0px, 18vw, 260px); }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); margin-top: var(--space-7); }
.why-card {
  position: relative;
  background: linear-gradient(135deg, rgba(255,255,255,0.10) 0%, rgba(255,255,255,0.04) 100%);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--r-md);
  padding: var(--space-7);
  backdrop-filter: blur(20px) saturate(160%);
  -webkit-backdrop-filter: blur(20px) saturate(160%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.20),
    0 12px 40px rgba(0,0,0,0.20);
  overflow: hidden;
}
.why-card::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  pointer-events: none;
  background: radial-gradient(120% 60% at 0% 0%, rgba(255,255,255,0.18) 0%, transparent 55%);
}
.why-card > * { position: relative; z-index: 1; }
.why-num { font: var(--fw-bold) var(--fs-num-md)/1 var(--font-num); color: var(--gold); font-feature-settings: 'tnum' 1; margin-bottom: var(--space-3); }
.why-num-unit { font-size: 0.5em; font-weight: var(--fw-medium); color: rgba(255,255,255,0.55); margin-left: 2px; }
.why-scene {
  width: 100%;
  margin: 0 0 var(--space-4);
  border-radius: var(--r-sm);
  overflow: hidden;
  background: linear-gradient(180deg, rgba(255,255,255,0.04) 0%, rgba(0,0,0,0.10) 100%);
  border: 1px solid rgba(255,255,255,0.10);
  padding: var(--space-2) var(--space-3);
}
.why-scene svg { display: block; width: 100%; height: auto; }
.why-title { font: var(--fw-semibold) var(--fs-heading-sm)/1.3 var(--font-latin); color: var(--white); margin: 0 0 var(--space-3); }
.why-body { font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin); color: rgba(255,255,255,0.75); margin: 0; }

/* ---- RISK ---------------------------------------------------------------- */
.risk-container { max-width: var(--container-md); }
.risk-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); margin-bottom: var(--space-8); }
.risk-card {
  background: var(--white);
  border-left: 4px solid var(--warning);
  border-radius: var(--r-sm);
  padding: var(--space-5);
  box-shadow: var(--shadow-1);
}
.risk-title { font: var(--fw-semibold) var(--fs-heading-sm)/1.3 var(--font-latin); color: var(--blue-800); margin: 0 0 var(--space-2); }
.risk-card p { font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin); color: var(--fg-2); margin: 0; }
.risk-mgmt {
  background: linear-gradient(135deg, var(--blue-50) 0%, rgba(245, 250, 255, 0.7) 100%);
  border-radius: var(--r-md);
  padding: var(--space-7);
}
.risk-mgmt-title {
  font: var(--fw-semibold) var(--fs-heading-sm)/1.3 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-5);
}
.risk-mgmt-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
  margin: 0;
}
.risk-mgmt-tile {
  padding: var(--space-5);
  color: var(--fg-1);
}
.risk-mgmt-tile h4 {
  font: var(--fw-semibold) var(--fs-body-md)/1.3 var(--font-latin);
  color: var(--blue-800);
  margin: 0 0 var(--space-2);
}
.risk-mgmt-tile p {
  font: var(--fw-regular) var(--fs-body-sm)/1.5 var(--font-latin);
  color: var(--fg-2);
  margin: 0;
}
.risk-mgmt-icon {
  display: inline-flex;
  width: 40px; height: 40px;
  align-items: center; justify-content: center;
  border-radius: var(--r-sm);
  background: rgba(255,255,255,0.55);
  color: var(--blue-primary);
  margin-bottom: var(--space-3);
  border: 1px solid rgba(255,255,255,0.5);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.6);
}
.risk-mgmt-icon svg { width: 22px; height: 22px; }
.risk-disclosure {
  font: var(--fw-regular) var(--fs-disclosure)/1.5 var(--font-latin);
  color: var(--fg-3);
  margin: 0;
  padding-top: var(--space-4);
  border-top: 1px solid var(--border);
}

/* ---- FAQ ----------------------------------------------------------------- */
.faq-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 56% 44% at 14% 18%, rgba(241,195,27,0.16), transparent 68%),
    radial-gradient(ellipse 48% 52% at 88% 8%, rgba(1,179,227,0.10), transparent 66%),
    linear-gradient(180deg, #F7F9FC 0%, #EEF3FB 54%, #FFFFFF 100%);
}
.faq-section::before {
  content: '';
  position: absolute;
  inset: var(--space-7) max(var(--space-5), calc((100vw - var(--container-lg)) / 2));
  border-radius: var(--r-xl);
  background:
    linear-gradient(135deg, rgba(255,255,255,0.72), rgba(255,255,255,0.34));
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.86),
    inset 0 0 0 1px rgba(255,255,255,0.54),
    0 24px 70px rgba(15, 38, 87, 0.08);
  pointer-events: none;
}
.faq-container {
  position: relative;
  z-index: 1;
  max-width: var(--container-md);
}
.faq-themes {
  display: flex;
  flex-direction: column;
  gap: var(--space-7);
  margin-top: var(--space-7);
}
.faq-theme {
  font: var(--fw-semibold) 11px/1.2 var(--font-latin);
  color: var(--blue-primary);
  text-transform: uppercase;
  letter-spacing: 0.16em;
  margin: 0 0 var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 1px solid rgba(7,67,155,0.14);
  display: flex; align-items: center; gap: var(--space-3);
}
.faq-theme-icon {
  display: inline-flex;
  width: 28px; height: 28px;
  align-items: center; justify-content: center;
  border-radius: var(--r-sm);
  background: rgba(255,255,255,0.68);
  color: var(--gold-600);
  flex-shrink: 0;
  border: 1px solid rgba(255,255,255,0.72);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.86),
    0 8px 18px rgba(15, 38, 87, 0.08);
}
.faq-theme-icon svg { width: 16px; height: 16px; }
.faq-list { display: flex; flex-direction: column; gap: var(--space-3); }
.faq-item {
  background: rgba(255,255,255,0.66);
  border: 1px solid rgba(255,255,255,0.76);
  border-radius: var(--r-md);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.82),
    0 12px 32px rgba(15, 38, 87, 0.08);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  overflow: hidden;
  transition:
    background var(--motion-fast) var(--motion-ease),
    box-shadow var(--motion-fast) var(--motion-ease),
    transform var(--motion-fast) var(--motion-ease);
}
.faq-item[open] {
  background: rgba(255,255,255,0.82);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.92),
    0 18px 44px rgba(15, 38, 87, 0.11);
}
.faq-q {
  font: var(--fw-semibold) var(--fs-body-lg)/1.4 var(--font-latin);
  color: var(--blue-800);
  padding: var(--space-5) var(--space-6);
  cursor: pointer;
  list-style: none;
  display: flex; align-items: flex-start; justify-content: space-between; gap: var(--space-4);
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::after {
  content: '+';
  width: 32px;
  height: 32px;
  border-radius: var(--r-pill);
  background: rgba(7,67,155,0.08);
  font: var(--fw-bold) 24px/28px var(--font-latin);
  color: var(--blue-primary);
  text-align: center;
  flex-shrink: 0;
  transition:
    background var(--motion-fast) var(--motion-ease),
    transform var(--motion-fast) var(--motion-ease);
}
details[open] .faq-q::after {
  content: '−';
  background: rgba(241,195,27,0.22);
}
.faq-a {
  padding: 0 var(--space-6) var(--space-5);
  border-top: 1px solid rgba(7,67,155,0.10);
  padding-top: var(--space-4);
}
.faq-a p { font: var(--fw-regular) var(--fs-body-md)/1.6 var(--font-latin); color: var(--fg-1); margin: 0 0 var(--space-3); }
.faq-a p:last-child { margin-bottom: 0; }
.faq-a strong { color: var(--blue-800); font-weight: var(--fw-semibold); }
.faq-disclosure { font-size: var(--fs-disclosure) !important; color: var(--fg-3) !important; padding-top: var(--space-3); border-top: 1px solid var(--border); margin-top: var(--space-3) !important; }
/* Inline mini-chart inside an FAQ answer (used for "What is compounding?") */
.faq-chart {
  margin: var(--space-3) 0 var(--space-4);
  padding: var(--space-4);
  background: linear-gradient(180deg, rgba(241,195,27,0.06) 0%, rgba(31,65,136,0.04) 100%);
  border: 1px solid rgba(7,67,155,0.10);
  border-radius: var(--r-sm);
}
.faq-chart svg { display: block; width: 100%; height: auto; max-width: 420px; margin: 0 auto; }
.faq-chart-caption {
  font: var(--fw-regular) var(--fs-disclosure)/1.45 var(--font-latin);
  color: var(--fg-3);
  margin: var(--space-3) 0 0;
  text-align: center;
}

/* ---- INSTITUTIONS ------------------------------------------------------- */
.inst-container { max-width: var(--container-md); text-align: left; }
.inst-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-9);
  align-items: center;
}
.inst-copy { display: flex; flex-direction: column; }
.inst-copy .section-title { margin-bottom: var(--space-4); }
.inst-copy .section-lede { margin: 0 0 var(--space-6); }
.inst-points {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-7);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.inst-points li {
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: var(--space-4);
  align-items: center;
  padding: var(--space-3) var(--space-4);
  background: rgba(255,255,255,0.6);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.inst-point-num {
  font: var(--fw-bold) 18px/1 var(--font-num);
  color: var(--blue-primary);
  text-align: center;
  letter-spacing: -0.01em;
}
.inst-point-text {
  font: var(--fw-regular) var(--fs-body-sm)/1.4 var(--font-latin);
  color: var(--fg-2);
}
.inst-copy .btn { align-self: flex-start; }
.inst-visual {
  border-radius: var(--r-md);
  background: linear-gradient(180deg, rgba(241,195,27,0.08) 0%, rgba(31,65,136,0.04) 100%);
  border: 1px solid rgba(255,255,255,0.5);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.7),
    0 8px 32px rgba(15, 38, 87, 0.10);
  padding: var(--space-5);
  overflow: hidden;
}
.inst-visual img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: calc(var(--r-md) - var(--space-5));
  box-shadow:
    inset 0 0 0 1px rgba(0,0,0,0.10),
    0 18px 45px rgba(15, 38, 87, 0.12);
}
@media (max-width: 1024px) {
  .inst-grid { grid-template-columns: 1fr; gap: var(--space-7); }
  .inst-visual { max-width: 480px; margin: 0 auto; }
}
@media (max-width: 640px) {
  .inst-points li { grid-template-columns: 70px 1fr; gap: var(--space-3); padding: var(--space-2) var(--space-3); }
  .inst-point-num { font-size: 16px; }
  .inst-copy .btn { align-self: stretch; }
  .faq-section .container {
    width: calc(100vw - (var(--space-4) * 2));
    padding-left: 0;
    padding-right: 0;
  }
  .faq-section::before { inset: var(--space-5) var(--space-2); border-radius: var(--r-lg); }
  .faq-themes { gap: var(--space-6); }
  .faq-q {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    padding: var(--space-4);
    gap: var(--space-3);
    min-width: 0;
  }
  .faq-a { padding: var(--space-4); padding-top: var(--space-4); }
  .faq-a p { overflow-wrap: anywhere; }
  .faq-q::after { width: 28px; height: 28px; font-size: 21px; line-height: 25px; }
}

/* ---- NEWSLETTER (section-dark) ------------------------------------------ */
.nl-container { max-width: var(--container-md); text-align: center; }
.nl-container .section-title { text-align: center; }
.nl-container .section-lede { margin-left: auto; margin-right: auto; text-align: center; }
.notify-form-wide.notify-form-dark { margin: 0 auto; max-width: 520px; }

/* ---- FOOTER ------------------------------------------------------------- */
.site-footer { background: var(--blue-900); color: rgba(255,255,255,0.8); padding: var(--space-11) 0 var(--space-7); }
.footer-cols { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: var(--space-8); margin-bottom: var(--space-8); }
.footer-col h5 { font: var(--fw-semibold) var(--fs-caption)/1.2 var(--font-latin); color: var(--white); text-transform: uppercase; letter-spacing: 0.1em; margin: 0 0 var(--space-4); }
.footer-col a { color: rgba(255,255,255,0.7); display: block; padding: 6px 0; font: var(--fw-regular) var(--fs-body-sm) var(--font-latin); }
.footer-col a:hover { color: var(--gold); }
.footer-logo { filter: brightness(0) invert(1); }
.footer-line { font: var(--fw-regular) var(--fs-body-sm)/1.55 var(--font-latin); color: rgba(255,255,255,0.65); margin: var(--space-4) 0 0; max-width: 340px; }
.footer-sama { padding-top: var(--space-6); border-top: 1px solid rgba(255,255,255,0.1); }
.footer-sama p { font: var(--fw-regular) var(--fs-disclosure)/1.6 var(--font-latin); color: rgba(255,255,255,0.6); margin: 0 0 var(--space-4); }
.footer-sama strong { color: rgba(255,255,255,0.85); font-weight: var(--fw-semibold); }
.footer-meta { display: flex; gap: var(--space-6); flex-wrap: wrap; font-size: var(--fs-disclosure) !important; color: rgba(255,255,255,0.4) !important; margin: 0 !important; }

/* ---- RESPONSIVE --------------------------------------------------------- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .hero-title { font-size: 44px; }
  .trust-row { grid-template-columns: repeat(2, 1fr); gap: var(--space-5); }
  .steps, .opps-grid, .compare-summary, .calc-results, .sim-wrap, .sim-outcomes, .why-grid { grid-template-columns: 1fr 1fr; }
  .risk-grid { grid-template-columns: 1fr; }
  .returns-clarity, .payment-flow, .simple-views, .tool-picker { grid-template-columns: 1fr; }
  .opportunity-proof-panel {
    grid-template-columns: 1fr;
    gap: var(--space-4);
  }
  .proof-card,
  .proof-card-business,
  .proof-card-process {
    transform: none;
  }
  .proof-card {
    grid-template-columns: minmax(0, 1.1fr) minmax(220px, 0.72fr);
    grid-template-rows: auto;
    align-items: center;
  }
  .proof-thesis {
    min-height: 260px;
  }
  .why-phone, .why-dotpair { display: none; }
  .why-container { padding-left: 0; }
  [dir="rtl"] .why-container { padding-right: 0; }
  .flow-arrow { transform: rotate(90deg); min-height: 24px; }
  .empty-state, .between-grid { grid-template-columns: 1fr; gap: var(--space-6); }
  .calc-grid { grid-template-columns: 1fr; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .section-title { font-size: 32px; }
  .section { padding: var(--space-9) 0; }
}

@media (max-width: 640px) {
  .site-nav { display: none; }
  /* Header: tame the logo, hide the disabled Sign-in, shrink the CTA */
  .site-header .container { padding-left: var(--space-4); padding-right: var(--space-4); }
  .logo img { height: 36px; width: auto; }
  .header-actions { gap: var(--space-2); }
  .header-actions .btn-disabled,
  .header-actions .btn-soon { display: none; }
  .header-actions .btn-gold {
    padding: 9px 12px;
    font-size: 12px;
    letter-spacing: 0.01em;
  }
  .hero { padding: 64px 0 80px; }
  .hero-title { font-size: 36px; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  /* Scope full-width to hero CTAs only — broader .btn { width: 100% }
     was leaking into the header and crushing the logo. */
  .hero-ctas .btn { width: 100%; }
  .opportunity-proof {
    padding: var(--space-8) 0;
  }
  .proof-card {
    grid-template-columns: 1fr;
    padding: var(--space-4);
  }
  .proof-media {
    border-radius: var(--r-md);
  }
  .proof-media img {
    aspect-ratio: 16 / 10;
  }
  .proof-thesis {
    min-height: 220px;
  }
  .state-toolbar .row { flex-direction: column; align-items: flex-start; }
  .trust-row { grid-template-columns: 1fr; }
  .steps, .opps-grid, .compare-summary, .calc-results, .why-grid, .footer-cols { grid-template-columns: 1fr; }
  /* Simulator: keep all 3 scenes side-by-side on mobile and compact heights so
     the whole panel fits inside one mobile viewport (~640px target on 812h). */
  .sim-wrap { grid-template-columns: repeat(3, 1fr); gap: var(--space-3); margin: var(--space-4) 0 var(--space-4); }
  .sim-scene { padding: var(--space-3); min-height: 0; gap: var(--space-2); }
  .sim-label { font-size: 10px; line-height: 1.2; }
  .sim-bar { height: 70px; }
  .sim-cap { font-size: 11px; top: 4px; left: 5px; }
  .sim-pocket { padding: var(--space-3); }
  .pocket-label { font-size: 9px; }
  .pocket-num { font-size: 16px; }
  .sim-month { font-size: 10px; }
  .sim-controls { gap: var(--space-2); margin-top: var(--space-3); }
  .sim-controls .btn { padding: 9px 12px; font-size: 12px; flex: 1; }
  /* Outcomes also packed 3-up on mobile so they don't add another tall scroll */
  .sim-outcomes { grid-template-columns: repeat(3, 1fr); gap: var(--space-2); margin-top: var(--space-4); padding-top: var(--space-4); }
  .outcome-card { padding: var(--space-3); }
  .outcome-label { font-size: 9px; margin-bottom: var(--space-1); }
  .outcome-num { font-size: 14px; }
  /* Tool panel head: tighter to save vertical space on mobile */
  .tool-panel .tool-head { margin-bottom: var(--space-4); }
  .tool-panel .tool-title { font-size: 18px; line-height: 1.2; }
  .tool-panel .tool-sub { font-size: 13px; line-height: 1.4; }
  .tools-tabs { grid-template-columns: 1fr; }
  .rule-row { grid-template-columns: 1fr; gap: var(--space-2); }
  .payment-story, .tool-primary, .tool-panel, .empty-state, .between-state, .risk-mgmt { padding: var(--space-6); }
  .returns-alt { padding: var(--space-7) var(--space-5); }
  .returns-alt-portrait { grid-template-columns: 1fr; text-align: center; gap: var(--space-5); }
  .returns-alt-portrait .alt-steps { justify-content: center; }
  .returns-alt-portrait .alt-lede,
  .returns-alt-portrait .alt-choices { margin-left: auto; margin-right: auto; }
  .alt-figure { display: none; }
  .alt-steps { flex-direction: column; gap: var(--space-3); }
  .alt-arrow { transform: rotate(90deg); }
  .alt-choices { grid-template-columns: 1fr; }
  .simple-view-head, .month-row { display: block; }
  .simple-view-head p, .month-row-label { margin-top: var(--space-2); margin-bottom: var(--space-3); }
  .month-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .result-mini-grid { grid-template-columns: 1fr; }
  .section-title { font-size: 28px; }
  .hero-card { padding: var(--space-5); }
  .dotpair-accent { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

/* ---- Subtle entrance animations (split + stagger per skill principle) -- */
@keyframes lift-in {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fade-in {
  from { opacity: 0; }
  to   { opacity: 1; }
}
.hero-copy > * { animation: lift-in 0.6s var(--motion-ease-out) both; }
.hero-copy > *:nth-child(1) { animation-delay: 0ms; }
.hero-copy > *:nth-child(2) { animation-delay: 90ms; }
.hero-copy > *:nth-child(3) { animation-delay: 180ms; }
.hero-copy > *:nth-child(4) { animation-delay: 270ms; }
.hero-copy > *:nth-child(5) { animation-delay: 360ms; }
.hero-card { animation: lift-in 0.7s var(--motion-ease-out) 360ms both; }
.hero-accent { animation: fade-in 1.2s var(--motion-ease-out) 200ms both; }
.trust-item { animation: lift-in 0.5s var(--motion-ease-out) both; opacity: 0; animation-fill-mode: forwards; }
.trust-item:nth-child(1) { animation-delay: 500ms; }
.trust-item:nth-child(2) { animation-delay: 580ms; }
.trust-item:nth-child(3) { animation-delay: 660ms; }
.trust-item:nth-child(4) { animation-delay: 740ms; }

@media (prefers-reduced-motion: reduce) {
  .hero-copy > *, .hero-card, .hero-accent, .trust-item { animation: none !important; opacity: 1 !important; transform: none !important; }
}

/* ============================================================
   LIQUID GLASS — reusable component for translucent cards
   Applied via .glass-tile (light) or extended on .hero-card,
   .why-card individually.
   ============================================================ */
.glass-tile {
  position: relative;
  background: linear-gradient(135deg, rgba(255,255,255,0.65) 0%, rgba(255,255,255,0.30) 100%);
  border: 1px solid rgba(255,255,255,0.55);
  border-radius: var(--r-md);
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.65),
    0 8px 32px rgba(15, 38, 87, 0.10);
  overflow: hidden;
  transition: transform var(--motion-fast) var(--motion-ease), box-shadow var(--motion-fast) var(--motion-ease);
}
.glass-tile::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  pointer-events: none;
  background: radial-gradient(120% 60% at 0% 0%, rgba(255,255,255,0.45) 0%, transparent 60%);
}
.glass-tile > * { position: relative; z-index: 1; }
.glass-tile:hover {
  transform: translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.75),
    0 16px 44px rgba(15, 38, 87, 0.14);
}

/* Mobile: drop the blur (GPU cost) but keep the gradient + shadow look */
@media (max-width: 720px) {
  .glass-tile, .hero-card, .why-card {
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }
  .risk-mgmt-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================================
   CONTINUOUS MICRO-ANIMATIONS — visual rest beats throughout
   the page. All respect prefers-reduced-motion (block at end).
   ============================================================ */

/* HERO ACCENT: gold "spark" travels along the curve, dots breathe */
.hero-accent-flow {
  /* Path length on this curve is ~960. Dash 140 visible / 820 gap = a
     short bright streak chasing the curve. Animate offset to scroll it. */
  stroke-dasharray: 140 820;
  stroke-dashoffset: 960;
  animation: hero-accent-flow 6s linear infinite;
}
@keyframes hero-accent-flow {
  from { stroke-dashoffset: 960; }
  to   { stroke-dashoffset: 0; }
}
.hero-accent-dot { transform-box: fill-box; transform-origin: center; }
.hero-accent-dot-1 { animation: dot-pulse 4s ease-in-out infinite; animation-delay: 0s; }
.hero-accent-dot-2 { animation: dot-pulse 4s ease-in-out infinite; animation-delay: 0.6s; }
.hero-accent-dot-3 { animation: dot-pulse 4s ease-in-out infinite; animation-delay: 1.2s; }
.hero-accent-dot-4 { animation: dot-pulse 4s ease-in-out infinite; animation-delay: 1.8s; }
@keyframes dot-pulse {
  0%, 100% { transform: scale(1);   opacity: 0.85; }
  50%      { transform: scale(1.4); opacity: 1; }
}

/* HOW IT WORKS: each step illustration gets one subtle, slow loop */
/* Step 1: the gold check badge gently pulses (notification metaphor) */
.art1-check {
  transform-box: fill-box;
  animation: art1-pulse 3.2s ease-in-out infinite;
}
@keyframes art1-pulse {
  0%, 100% { transform: scale(1);   filter: drop-shadow(0 0 0 rgba(241,195,27,0)); }
  50%      { transform: scale(1.08); filter: drop-shadow(0 2px 6px rgba(241,195,27,0.5)); }
}
/* Step 2: the highlighted gold opportunity card floats up and back */
.art2-highlight {
  transform-box: fill-box;
  animation: art2-float 4s ease-in-out infinite;
}
@keyframes art2-float {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-3px); }
}
/* ============================================================
   RETURNS INTRO — 50/50 grid: copy left, faux-3D scene right.
   Sits above the calculator. Gives the section a wordless preview
   of the velocity-of-money concept before the slider work.
   ============================================================ */
.returns-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  align-items: center;
  margin-bottom: var(--space-9);
}
.returns-intro-copy { display: flex; flex-direction: column; }
.returns-intro-copy .section-title { margin-bottom: var(--space-4); }
.returns-intro-copy .section-lede { margin: 0; }
.returns-intro-scene {
  border-radius: var(--r-md);
  overflow: hidden;
  background: linear-gradient(180deg, rgba(241,195,27,0.08) 0%, rgba(31,65,136,0.04) 100%);
  border: 1px solid rgba(255,255,255,0.5);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.7),
    0 8px 32px rgba(15, 38, 87, 0.10);
  padding: var(--space-4);
}
.returns-concept-img {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 9;
  height: auto;
  object-fit: contain;
  border-radius: calc(var(--r-md) - var(--space-4));
  box-shadow:
    inset 0 0 0 1px rgba(0,0,0,0.10),
    0 16px 40px rgba(15, 38, 87, 0.14);
}
.returns-intro-scene svg { display: none; }
@media (max-width: 1024px) {
  .returns-intro { grid-template-columns: 1fr; gap: var(--space-6); }
  .returns-intro-scene { max-width: 720px; margin: 0 auto; }
}

/* Reduced motion: kill all looping animations. The first-paint
   entrance animations are already handled in the earlier @media block. */
@media (prefers-reduced-motion: reduce) {
  .hero-accent-flow,
  .hero-accent-dot,
  .art1-check, .art2-highlight {
    animation: none !important;
  }
  .hero-accent-flow { stroke-dashoffset: 0; }
}