/* CreditCardTalks — main stylesheet */
:root{
  --bg:#0B0A09;
  --bg-2:#100E0C;
  --panel:#151310;
  --panel-2:#1C1915;
  --panel-3:#24201B;
  --gold:#C9A15A;
  --gold-light:#E6CB8F;
  --gold-deep:#8A6C33;
  --cream:#F3EFE6;
  --soft:#B8B0A2;
  --muted:#8C8478;
  --line:rgba(243,239,230,.09);
  --line-2:rgba(243,239,230,.16);
  --good:#8FCB9B;
  --warn:#E5A36B;
  --radius:14px;
  --radius-sm:8px;
  --wrap:1200px;
  --gold-grad:linear-gradient(135deg,var(--gold-light),var(--gold) 55%,var(--gold-deep));
  --shadow:0 30px 60px -20px rgba(0,0,0,.6);
  --ease:cubic-bezier(.2,.7,.2,1);
  --header-h:72px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 50px)}
html{overflow-x:clip}
body{background:var(--bg);color:var(--cream);font-family:'Inter',system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:500;letter-spacing:-.015em;line-height:1.12}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
:focus-visible{outline:2px solid var(--gold-light);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
[hidden]{display:none!important}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.gold{color:var(--gold-light)}
em.gold-em{font-style:italic;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent}

/* grain overlay */
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:100;opacity:.035;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

.eyebrow{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;font-size:11px;letter-spacing:.22em;color:var(--gold);font-weight:600;margin-bottom:16px}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--gold)}
.eyebrow.center{justify-content:center}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:999px;font-size:14px;font-weight:600;letter-spacing:.01em;transition:transform .25s var(--ease),box-shadow .25s,background .25s,border-color .25s,color .25s;white-space:nowrap;position:relative;overflow:hidden}
.btn-gold{background:var(--gold-grad);color:#17130E;box-shadow:0 10px 30px -10px rgba(201,161,90,.55)}
.btn-gold::after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,transparent 35%,rgba(255,255,255,.55) 50%,transparent 65%);transform:translateX(-120%);transition:transform .8s var(--ease)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 36px -10px rgba(201,161,90,.6)}
.btn-gold:hover::after{transform:translateX(120%)}
.btn-ghost{border:1px solid var(--line-2);color:var(--cream)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-light);background:rgba(201,161,90,.06)}
.btn-sm{padding:10px 18px;font-size:13px}
.btn .arr{transition:transform .25s var(--ease)}
.btn:hover .arr{transform:translateX(4px)}

/* ── Top connect bar ── */
.topbar{background:linear-gradient(90deg,#1a150d,#2a2213 50%,#1a150d);border-bottom:1px solid rgba(201,161,90,.25);font-size:13px;position:relative;z-index:60}
.topbar .wrap{display:flex;align-items:center;justify-content:center;gap:16px;min-height:42px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.topbar .pulse{width:8px;height:8px;border-radius:50%;background:var(--good);box-shadow:0 0 0 0 rgba(143,203,155,.6);animation:pulse 2s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 10px rgba(143,203,155,0)}100%{box-shadow:0 0 0 0 rgba(143,203,155,0)}}
.topbar a{color:var(--gold-light);font-weight:600;border-bottom:1px solid rgba(230,203,143,.4)}
.topbar a:hover{border-color:var(--gold-light)}
.topbar .tb-links{display:flex;gap:14px;align-items:center}

/* ── Header ── */
header.site{position:sticky;top:0;z-index:50;background:rgba(11,10,9,.78);backdrop-filter:blur(14px) saturate(1.2);-webkit-backdrop-filter:blur(14px) saturate(1.2);border-bottom:1px solid var(--line);transition:background .3s}
header.site.scrolled{background:rgba(11,10,9,.94)}
.nav{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:20px}
.logo{font-family:'Fraunces',serif;font-size:21px;font-weight:600;letter-spacing:.02em;display:flex;align-items:center;gap:10px}
.logo .wm span{color:var(--gold)}
.logo .mark{width:30px;height:20px;border-radius:4px;background:var(--gold-grad);position:relative;box-shadow:0 4px 12px -4px rgba(201,161,90,.6)}
.logo .mark::after{content:"";position:absolute;left:4px;top:6px;width:7px;height:6px;border-radius:1.5px;background:rgba(23,19,14,.55)}
.menu{display:flex;align-items:center;gap:4px}
.menu > li{list-style:none;position:relative}
.menu > li > a,.menu > li > button{display:flex;align-items:center;gap:6px;padding:10px 14px;font-size:14px;font-weight:500;color:var(--soft);border-radius:8px;transition:color .2s,background .2s}
.menu > li > a:hover,.menu > li > button:hover,.menu > li.open > button{color:var(--cream);background:rgba(243,239,230,.05)}
.menu > li > a.active{color:var(--gold-light)}
.menu .chev{width:10px;height:10px;transition:transform .25s}
.menu li.open .chev{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,8px);min-width:300px;background:var(--panel);border:1px solid var(--line-2);border-radius:var(--radius);padding:10px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:opacity .2s,transform .25s var(--ease),visibility .2s}
.dropdown.wide{min-width:520px;display:grid;grid-template-columns:1fr 1fr;gap:2px}
.menu li.open .dropdown,.menu li:hover .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dropdown a{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border-radius:10px;font-size:14px;transition:background .2s}
.dropdown a:hover{background:var(--panel-2)}
.dropdown a small{display:block;color:var(--muted);font-size:12px;margin-top:2px}
.dropdown .di{width:32px;height:32px;flex-shrink:0;border-radius:8px;border:1px solid var(--gold-deep);display:grid;place-items:center;color:var(--gold-light)}
.dropdown .di svg{width:16px;height:16px}
.nav-right{display:flex;align-items:center;gap:10px}
.burger{display:none;width:44px;height:44px;border-radius:10px;border:1px solid var(--line-2);position:relative}
.burger span{position:absolute;left:12px;right:12px;height:1.5px;background:var(--cream);transition:transform .3s var(--ease),opacity .2s}
.burger span:nth-child(1){top:16px}.burger span:nth-child(2){top:21px}.burger span:nth-child(3){top:26px}
body.nav-open .burger span:nth-child(1){transform:translateY(5px) rotate(45deg)}
body.nav-open .burger span:nth-child(2){opacity:0}
body.nav-open .burger span:nth-child(3){transform:translateY(-5px) rotate(-45deg)}

/* mobile drawer */
.drawer{position:fixed;inset:0;z-index:70;background:rgba(11,10,9,.98);backdrop-filter:blur(10px);padding:90px 24px 40px;overflow-y:auto;opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s}
body.nav-open .drawer{opacity:1;visibility:visible}
body.nav-open{overflow:hidden}
.drawer .d-close{position:absolute;top:20px;right:20px}
.drawer h4{font-family:'Inter';font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:26px 0 10px}
.drawer a.dlink{display:block;padding:12px 0;font-size:18px;border-bottom:1px solid var(--line);font-family:'Fraunces',serif}
.drawer .d-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.drawer .d-grid a{padding:12px;border:1px solid var(--line);border-radius:10px;font-size:14px}
.drawer .connect-mini{margin-top:6px}

@media (max-width:1020px){
  .menu{display:none}
  .burger{display:block}
  .nav-right .btn-ghost{display:none}
}

/* ── Hero ── */
.hero{position:relative;padding:72px 0 80px;overflow:hidden;isolation:isolate}
.hero-bg{position:absolute;inset:0;z-index:-1;pointer-events:none}
.hero-bg .orb{position:absolute;border-radius:50%;filter:blur(80px);opacity:.55}
.hero-bg .o1{width:620px;height:620px;left:-180px;top:-260px;background:radial-gradient(circle,rgba(201,161,90,.35),transparent 65%)}
.hero-bg .o2{width:520px;height:520px;right:-140px;top:60px;background:radial-gradient(circle,rgba(138,108,51,.35),transparent 65%)}
.hero-bg .gridlines{position:absolute;inset:0;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);-webkit-mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);opacity:.6}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(38px,5.6vw,76px);line-height:1.02;margin-bottom:22px}
.hero h1 .line{display:block;overflow:hidden;padding-bottom:.06em}
.hero h1 .line > span{display:inline-block;white-space:nowrap}
.hero h1 em{padding-right:.08em}
.hero .lede{font-size:17px;color:var(--soft);max-width:540px;margin-bottom:30px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:34px}
.trust-row{display:flex;gap:22px;flex-wrap:wrap;color:var(--soft);font-size:13px}
.trust-row span{display:flex;align-items:center;gap:8px}
.trust-row svg{width:16px;height:16px;color:var(--gold)}

/* card stack */
.stack{position:relative;height:480px;perspective:1400px}
.stack .float-card{position:absolute;left:50%;top:50%;border-radius:18px;line-height:0;overflow:hidden;transform-style:preserve-3d;box-shadow:0 40px 80px -30px rgba(0,0,0,.9),0 0 0 1px rgba(255,255,255,.08);will-change:transform}
.stack .float-card.h{width:min(370px,74%)}
.stack .float-card.v{width:min(180px,36%)}
.stack .float-card img{width:100%;height:auto}
.stack .float-card::after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,transparent 30%,rgba(255,255,255,.35) 45%,transparent 60%);transform:translateX(-100%);animation:sheen 6s var(--ease) infinite}
.stack .float-card:nth-child(2)::after{animation-delay:2s}
.stack .float-card:nth-child(3)::after{animation-delay:4s}
@keyframes sheen{0%,60%{transform:translateX(-100%)}100%{transform:translateX(100%)}}
.stack .fc1{transform:translate(-50%,-50%) translate(-90px,-70px) rotate(-12deg)}
.stack .fc2{transform:translate(-50%,-50%) translate(150px,-10px) rotate(9deg)}
.stack .fc3{transform:translate(-50%,-50%) translate(10px,30px) rotate(-4deg)}
.stack .chip{position:absolute;z-index:5;background:rgba(21,19,16,.9);border:1px solid var(--line-2);backdrop-filter:blur(8px);padding:10px 14px;border-radius:12px;font-size:12.5px;display:flex;gap:10px;align-items:center;box-shadow:var(--shadow)}
.stack .chip b{color:var(--gold-light);font-size:15px;font-family:'Fraunces',serif}
.stack .chip.c1{left:0;top:30px}.stack .chip.c2{right:0;top:46%}.stack .chip.c3{left:6%;bottom:10px}
.stack .chip i{width:28px;height:28px;border-radius:8px;display:grid;place-items:center;background:rgba(201,161,90,.12);color:var(--gold-light);font-style:normal}

@media (max-width:900px){
  .hero{padding:48px 0 56px}
  .hero-grid{grid-template-columns:1fr;gap:20px}
  .stack{order:-1}
  .stack .float-card.h{width:min(290px,66%)}
  .stack{height:360px}
  .stack .float-card.v{width:min(135px,34%)}
  .stack .fc1{transform:translate(-50%,-50%) translate(-50px,-55px) rotate(-12deg)}
  .stack .fc2{transform:translate(-50%,-50%) translate(100px,-5px) rotate(9deg)}
  .stack .fc3{transform:translate(-50%,-50%) translate(0,25px) rotate(-4deg)}
  .stack .chip.c2{display:none}
}

/* ── Stats ── */
.stats{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:var(--radius);background:rgba(21,19,16,.6);overflow:hidden}
.stat{padding:24px 16px;text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat .num{font-family:'Fraunces',serif;font-size:clamp(28px,3.4vw,40px);color:var(--gold-light);line-height:1}
.stat .label{font-size:11.5px;text-transform:uppercase;letter-spacing:.12em;color:var(--soft);margin-top:8px}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}}

/* ── Sections ── */
section{padding:96px 0;position:relative}
section.tight{padding:64px 0}
.section-head{max-width:680px;margin:0 auto 52px;text-align:center}
.section-head.left{margin-left:0;text-align:left}
.section-head h2{font-size:clamp(30px,4.4vw,48px);margin-bottom:14px}
.section-head p{color:var(--soft);font-size:16px}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:40px;flex-wrap:wrap}
.head-row .section-head{margin:0}
.foil{height:1px;background:linear-gradient(90deg,transparent,var(--gold) 20%,var(--gold-light) 50%,var(--gold) 80%,transparent);opacity:.5}
@media (max-width:600px){section{padding:64px 0}.wrap{padding:0 18px}}

/* ── Connect panel ── */
.connect{display:grid;grid-template-columns:auto 1fr auto;gap:36px;align-items:center;background:linear-gradient(135deg,rgba(201,161,90,.12),rgba(21,19,16,.9) 45%);border:1px solid rgba(201,161,90,.3);border-radius:22px;padding:34px 38px;position:relative;overflow:hidden}
.connect::before{content:"";position:absolute;width:300px;height:300px;right:-100px;top:-120px;background:radial-gradient(circle,rgba(201,161,90,.25),transparent 70%);pointer-events:none}
.avatar{width:120px;height:120px;border-radius:50%;padding:3px;background:conic-gradient(from 0deg,var(--gold-deep),var(--gold-light),var(--gold-deep),var(--gold-light),var(--gold-deep));animation:spin 10s linear infinite;flex-shrink:0}
.avatar img{width:100%;height:100%;border-radius:50%;object-fit:cover;border:4px solid var(--panel);animation:spin 10s linear infinite reverse}
@keyframes spin{to{transform:rotate(360deg)}}
.connect h2{font-size:clamp(24px,3vw,32px);margin-bottom:6px}
.connect .who{font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:var(--gold);margin-bottom:8px;font-weight:600}
.connect p{color:var(--soft);font-size:15px;max-width:520px}
.connect-actions{display:flex;flex-direction:column;gap:10px;min-width:250px}
.connect-actions .btn{justify-content:space-between}
.connect-links{display:flex;gap:16px;margin-top:14px;font-size:13px;color:var(--soft);flex-wrap:wrap}
.connect-links a{display:flex;align-items:center;gap:6px;transition:color .2s}
.connect-links a:hover{color:var(--gold-light)}
.connect-links svg{width:15px;height:15px}
@media (max-width:900px){.connect{grid-template-columns:1fr;text-align:center;padding:30px 22px;gap:20px}.avatar{margin:0 auto}.connect p{margin:0 auto}.connect-links{justify-content:center}.connect-actions{min-width:0}}

/* ── Marquee ── */
.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);padding:8px 0}
.marquee-track{display:flex;gap:18px;width:max-content;animation:marquee 40s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(-50%)}}
.m-item{display:flex;align-items:center;gap:12px;padding:10px 20px 10px 10px;border:1px solid var(--line);border-radius:999px;background:var(--panel);white-space:nowrap;font-size:14px;font-weight:500}
.m-item img{width:34px;height:34px;border-radius:50%;background:#fff;padding:2px;object-fit:cover}
.marquee.cards .m-item{padding:0;border-radius:12px;overflow:hidden;border:1px solid var(--line-2)}
.marquee.cards .m-item img{width:180px;height:114px;border-radius:0;padding:0;background:none}

/* ── Category tiles ── */
.cat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.cat-tile{position:relative;padding:28px 24px;border-radius:var(--radius);background:var(--panel);border:1px solid var(--line);display:flex;flex-direction:column;gap:14px;min-height:200px;overflow:hidden;transition:border-color .3s,transform .4s var(--ease)}
.cat-tile::before{content:"";position:absolute;inset:0;background:radial-gradient(400px circle at var(--mx,50%) var(--my,0%),rgba(201,161,90,.14),transparent 45%);opacity:0;transition:opacity .3s}
.cat-tile:hover{border-color:rgba(201,161,90,.45);transform:translateY(-4px)}
.cat-tile:hover::before{opacity:1}
.cat-icon{width:46px;height:46px;border-radius:12px;border:1px solid var(--gold-deep);display:grid;place-items:center;color:var(--gold-light);background:rgba(201,161,90,.06);transition:transform .4s var(--ease)}
.cat-tile:hover .cat-icon{transform:rotate(-8deg) scale(1.08)}
.cat-icon svg{width:21px;height:21px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.cat-tile h3{font-size:20px}
.cat-tile p{font-size:13.5px;color:var(--soft)}
.cat-tile .count{margin-top:auto;font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--gold);font-weight:600;display:flex;justify-content:space-between}
@media (max-width:1000px){.cat-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.cat-grid{grid-template-columns:1fr 1fr;gap:10px}.cat-tile{padding:18px 16px;min-height:0}.cat-tile p{display:none}.cat-tile h3{font-size:16px}}

/* ── Bank grid ── */
.bank-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.bank-tile{display:flex;align-items:center;gap:16px;padding:20px;border-radius:var(--radius);background:var(--panel);border:1px solid var(--line);transition:border-color .25s,background .25s,transform .35s var(--ease)}
.bank-tile:hover{border-color:rgba(201,161,90,.45);background:var(--panel-2);transform:translateY(-3px)}
.bank-tile img{width:52px;height:52px;border-radius:50%;background:#fff;padding:3px;object-fit:cover;flex-shrink:0}
.bank-tile .bn{font-weight:600;font-size:15.5px}
.bank-tile .bs{font-size:12.5px;color:var(--soft)}
.bank-tile .go{margin-left:auto;color:var(--gold);transition:transform .25s}
.bank-tile:hover .go{transform:translateX(4px)}
@media (max-width:900px){.bank-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.bank-grid{grid-template-columns:1fr}}

/* ── Card tiles ── */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:1000px){.card-grid{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.card-grid{grid-template-columns:1fr}}
.cc{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:18px;display:flex;flex-direction:column;gap:14px;transition:border-color .3s,transform .4s var(--ease),box-shadow .4s;position:relative}
.cc:hover{border-color:rgba(201,161,90,.4);box-shadow:0 30px 60px -30px rgba(0,0,0,.8)}
.cc-visual{position:relative;border-radius:12px;background:radial-gradient(circle at 50% 30%,#2a241b,#14110d);display:grid;place-items:center;overflow:hidden;perspective:900px;aspect-ratio:1.5}
.cc-visual img{position:absolute;inset:0;margin:auto;width:auto;height:auto;max-width:72%;max-height:84%;border-radius:9px;box-shadow:0 18px 35px -12px rgba(0,0,0,.85);transition:transform .5s var(--ease)}
.cc:hover .cc-visual img{transform:translateY(-4px) rotateX(8deg) rotateY(-8deg) scale(1.04)}
.badges{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:-4px}
.badge{font-size:10.5px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;padding:4px 9px;border-radius:999px;background:rgba(11,10,9,.8);border:1px solid var(--line-2);color:var(--cream)}
.badge.ltf{color:var(--good);border-color:rgba(143,203,155,.4)}
.badge.fx{color:var(--gold-light);border-color:rgba(201,161,90,.4)}
.cc .bankname{font-size:11.5px;text-transform:uppercase;letter-spacing:.12em;color:var(--gold)}
.cc h3{font-size:19px;line-height:1.25}
.cc h3 a:hover{color:var(--gold-light)}
.cc .hl{font-size:14px;color:var(--soft)}
.cc .facts{display:grid;grid-template-columns:1fr 1fr 1fr;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:12px 0}
.cc .facts div{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.cc .facts b{display:block;font-size:13.5px;color:var(--cream);text-transform:none;letter-spacing:0;font-weight:600;margin-top:2px}
.cc .actions{display:flex;gap:8px;margin-top:auto;align-items:center}
.cc .actions .btn{flex:1}
.cc .cmp{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--soft);cursor:pointer;padding:6px 2px;user-select:none}
.cc .cmp input{accent-color:var(--gold)}

/* ── Explorer filters ── */
.filters{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-bottom:28px;padding:14px;border:1px solid var(--line);border-radius:var(--radius);background:var(--panel)}
.filters input[type=search],.filters select{background:var(--bg);border:1px solid var(--line-2);border-radius:999px;color:var(--cream);padding:10px 16px;font:inherit;font-size:14px}
.filters input[type=search]{flex:1;min-width:200px}
.chips{display:flex;gap:8px;flex-wrap:wrap}
.chip-btn{padding:8px 14px;border-radius:999px;border:1px solid var(--line-2);font-size:13px;color:var(--soft);transition:all .2s}
.chip-btn:hover{color:var(--cream);border-color:var(--gold-deep)}
.chip-btn.on{background:var(--gold-grad);color:#17130E;border-color:transparent;font-weight:600}
.result-count{font-size:13px;color:var(--soft);margin-bottom:16px}
.empty{padding:60px;text-align:center;color:var(--soft);border:1px dashed var(--line-2);border-radius:var(--radius)}

/* compare tray */
.cmp-tray{position:fixed;left:50%;bottom:20px;transform:translate(-50%,140%);z-index:55;background:var(--panel-2);border:1px solid rgba(201,161,90,.4);border-radius:999px;padding:8px 8px 8px 20px;display:flex;align-items:center;gap:14px;box-shadow:var(--shadow);transition:transform .4s var(--ease);font-size:14px}
.cmp-tray.show{transform:translate(-50%,0)}
.cmp-tray .thumbs{display:flex;gap:-6px}
.cmp-tray .thumbs img{width:44px;height:28px;border-radius:4px;object-fit:cover;border:1px solid var(--line-2);margin-left:-8px}
.cmp-tray .thumbs img:first-child{margin-left:0}
.cmp-tray .clear{font-size:12px;color:var(--muted)}

/* ── Page head ── */
.page-head{padding:64px 0 40px;position:relative;overflow:hidden}
.page-head h1{font-size:clamp(34px,5vw,58px);margin-bottom:14px}
.page-head p{color:var(--soft);font-size:17px;max-width:680px}
.page-head.center{text-align:center}
.page-head.center p{margin:0 auto}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:22px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a:hover{color:var(--gold-light)}
.crumbs span{opacity:.5}

/* ── Card detail ── */
.cd-hero{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:center;padding:30px 0 50px}
.cd-visual{position:relative;aspect-ratio:1.4;border-radius:24px;background:radial-gradient(circle at 50% 35%,#2d261c,#110f0c 70%);border:1px solid var(--line);display:grid;place-items:center;perspective:1000px;overflow:hidden}
.cd-visual::before{content:"";position:absolute;width:70%;height:30%;bottom:12%;background:radial-gradient(ellipse,rgba(201,161,90,.25),transparent 70%);filter:blur(20px)}
.cd-visual .tilt{border-radius:16px;overflow:hidden;box-shadow:0 40px 70px -25px rgba(0,0,0,.9);transform-style:preserve-3d;transition:transform .2s ease-out;position:relative}
.cd-visual .tilt{line-height:0}
.cd-visual .tilt.h{width:72%}
.cd-visual .tilt.h img{width:100%;height:auto}
.cd-visual .tilt.v{height:84%}
.cd-visual .tilt.v img{height:100%;width:auto}
.cd-visual .tilt::after{content:"";position:absolute;inset:0;background:radial-gradient(circle at var(--gx,30%) var(--gy,20%),rgba(255,255,255,.35),transparent 50%);mix-blend-mode:overlay;pointer-events:none}
.cd-info h1{font-size:clamp(30px,4vw,46px);margin:8px 0 14px}
.cd-info .hl{font-size:18px;color:var(--gold-light);margin-bottom:24px;font-family:'Fraunces',serif;font-style:italic}
.kf{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin-bottom:24px}
.kf div{background:var(--panel);padding:14px 16px}
.kf small{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.kf b{font-size:15px;font-weight:600}
.cd-cta{display:flex;gap:10px;flex-wrap:wrap}
.updated{font-size:12.5px;color:var(--muted);margin-top:16px;display:flex;gap:8px;align-items:center}
.updated::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--good)}
@media (max-width:900px){.cd-hero{grid-template-columns:1fr;gap:28px}.kf{grid-template-columns:1fr 1fr}}

.cd-body{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start;padding-bottom:40px}
.cd-body aside{position:sticky;top:calc(var(--header-h) + 60px);display:flex;flex-direction:column;gap:16px}
@media (max-width:1000px){.cd-body{grid-template-columns:1fr}.cd-body aside{position:static}}
.block{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin-bottom:20px}
.block h2{font-size:24px;margin-bottom:16px;display:flex;align-items:center;gap:12px}
.block h2 .n{font-family:'Inter';font-size:11px;letter-spacing:.14em;color:var(--gold);border:1px solid var(--gold-deep);border-radius:999px;padding:3px 9px}
.rtable{width:100%;border-collapse:collapse;font-size:14.5px}
.rtable th,.rtable td{text-align:left;padding:13px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.rtable th{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:600}
.rtable td:first-child{color:var(--soft);width:44%}
.rtable tr:last-child td{border-bottom:0}
.dl{display:grid;grid-template-columns:180px 1fr;gap:0}
.dl dt,.dl dd{padding:12px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.dl dt{color:var(--muted)}
.dl dt:last-of-type,.dl dd:last-of-type{border-bottom:0}
@media (max-width:560px){.dl{grid-template-columns:1fr}.dl dt{border:0;padding-bottom:0}.block{padding:20px}}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.pc ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.pc li{display:flex;gap:10px;font-size:14.5px}
.pc li::before{flex-shrink:0;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;font-size:11px;margin-top:2px}
.pc .pros li::before{content:"✓";background:rgba(143,203,155,.15);color:var(--good)}
.pc .cons li::before{content:"!";background:rgba(229,163,107,.15);color:var(--warn);font-weight:700}
.pc h3{font-size:14px;font-family:'Inter';text-transform:uppercase;letter-spacing:.12em;margin-bottom:14px;color:var(--soft)}
@media (max-width:640px){.pc{grid-template-columns:1fr}}
.side-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.side-card.gold{background:linear-gradient(160deg,rgba(201,161,90,.16),var(--panel) 60%);border-color:rgba(201,161,90,.35)}
.side-card h3{font-size:19px;margin-bottom:8px}
.side-card p{font-size:14px;color:var(--soft);margin-bottom:14px}
.side-card .btn{width:100%}
.side-card .btn + .btn{margin-top:8px}
.mini-avatar{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.mini-avatar img{width:46px;height:46px;border-radius:50%;object-fit:cover;border:2px solid var(--gold-deep)}
.mini-avatar small{display:block;color:var(--muted);font-size:12px}

/* sticky apply bar (mobile) */
.apply-bar{position:fixed;left:0;right:0;bottom:0;z-index:55;background:rgba(21,19,16,.97);border-top:1px solid rgba(201,161,90,.3);padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:none;gap:10px;align-items:center;backdrop-filter:blur(10px);transform:translateY(100%);transition:transform .35s var(--ease)}
.apply-bar.show{transform:none}
.apply-bar .t{flex:1;font-size:13px;line-height:1.3;min-width:0}
.apply-bar .t b{display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.apply-bar .t small{color:var(--muted)}
@media (max-width:900px){.apply-bar{display:flex}body.has-apply-bar footer.site{padding-bottom:110px}}

/* mobile floating call button */
.fab-call{position:fixed;right:16px;bottom:18px;z-index:54;display:none;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;background:var(--gold-grad);color:#17130E;font-weight:700;font-size:14px;box-shadow:0 14px 30px -10px rgba(201,161,90,.7)}
@media (max-width:900px){.fab-call{display:flex}body.has-apply-bar .fab-call{display:none}}

/* ── Steps ── */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative}
.steps .line{position:absolute;top:28px;left:16%;right:16%;height:1px;background:var(--line-2);overflow:hidden}
.steps .line i{position:absolute;inset:0;background:var(--gold-grad);transform-origin:left;transform:scaleX(var(--p,0))}
.step{text-align:center;position:relative}
.step .sn{width:56px;height:56px;border-radius:50%;margin:0 auto 18px;display:grid;place-items:center;background:var(--panel);border:1px solid var(--gold-deep);font-family:'Fraunces',serif;font-size:22px;color:var(--gold-light);position:relative;z-index:1}
.step h3{font-size:20px;margin-bottom:8px}
.step p{color:var(--soft);font-size:14.5px;max-width:300px;margin:0 auto}
@media (max-width:760px){.steps{grid-template-columns:1fr}.steps .line{display:none}}

/* ── Tabs (picks) ── */
.tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-bottom:34px}
.tab{padding:10px 18px;border-radius:999px;border:1px solid var(--line-2);font-size:14px;color:var(--soft);transition:all .25s}
.tab:hover{color:var(--cream)}
.tab.on{background:var(--cream);color:#17130E;border-color:var(--cream);font-weight:600}
.tab-panel{display:none}
.tab-panel.on{display:grid}

/* ── Tool cards ── */
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tool{position:relative;padding:32px 28px;border-radius:20px;border:1px solid var(--line);background:linear-gradient(180deg,var(--panel-2),var(--panel));overflow:hidden;display:flex;flex-direction:column;gap:12px;min-height:280px;transition:transform .4s var(--ease),border-color .3s}
.tool:hover{transform:translateY(-6px);border-color:rgba(201,161,90,.45)}
.tool .ti{width:54px;height:54px;border-radius:14px;background:var(--gold-grad);display:grid;place-items:center;color:#17130E;margin-bottom:8px}
.tool .ti svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tool h3{font-size:24px}
.tool p{color:var(--soft);font-size:14.5px}
.tool .go{margin-top:auto;color:var(--gold-light);font-weight:600;font-size:14px}
.tools.two{grid-template-columns:repeat(2,1fr);max-width:900px;margin:0 auto}
.tool .deco{position:absolute;right:-40px;bottom:-40px;width:160px;height:160px;border-radius:50%;border:1px solid rgba(201,161,90,.15);box-shadow:0 0 0 24px rgba(201,161,90,.04),0 0 0 48px rgba(201,161,90,.025)}
@media (max-width:900px){.tools{grid-template-columns:1fr}}

/* ── Blog ── */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:1000px){.post-grid{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.post-grid{grid-template-columns:1fr}}
.post{display:flex;flex-direction:column;border-radius:18px;overflow:hidden;border:1px solid var(--line);background:var(--panel);transition:transform .4s var(--ease),border-color .3s}
.post:hover{transform:translateY(-5px);border-color:rgba(201,161,90,.4)}
.post .cover{aspect-ratio:1.8;position:relative;overflow:hidden;display:grid;place-items:center;background:radial-gradient(circle at 30% 20%,var(--c1,#3a2f1d),var(--c2,#120f0b) 70%)}
.post .cover .ic{width:64px;height:64px;color:var(--gold-light);opacity:.9;transition:transform .6s var(--ease)}
.post:hover .cover .ic{transform:scale(1.12) rotate(-6deg)}
.post .cover .ic svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.2;stroke-linecap:round;stroke-linejoin:round}
.post .cover .tag{position:absolute;left:14px;top:14px}
.post .pb{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.post h3{font-size:20px;line-height:1.28}
.post p{font-size:14px;color:var(--soft)}
.post .meta{margin-top:auto;font-size:12.5px;color:var(--muted);display:flex;gap:12px}
.post.featured{grid-column:span 2;flex-direction:row}
.post.featured .cover{flex:1;aspect-ratio:auto;min-height:280px}
.post.featured .pb{flex:1;padding:34px;justify-content:center}
.post.featured h3{font-size:28px}
@media (max-width:1000px){.post.featured{grid-column:span 2}}
@media (max-width:620px){.post.featured{grid-column:span 1;flex-direction:column}.post.featured .cover{min-height:180px}}

.article{display:grid;grid-template-columns:240px 1fr 280px;gap:48px;align-items:start;padding-bottom:60px}
.toc{position:sticky;top:calc(var(--header-h) + 60px);font-size:13.5px}
.toc h4{font-family:'Inter';font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.toc a{display:block;padding:7px 0 7px 14px;border-left:1px solid var(--line-2);color:var(--soft);transition:color .2s,border-color .2s}
.toc a:hover,.toc a.on{color:var(--cream);border-color:var(--gold)}
.article aside.side{position:sticky;top:calc(var(--header-h) + 60px);display:flex;flex-direction:column;gap:16px}
@media (max-width:1100px){.article{grid-template-columns:1fr 280px}.toc{display:none}}
@media (max-width:860px){.article{grid-template-columns:1fr}.article aside.side{position:static}}
.prose{font-size:17px;line-height:1.75;color:#E4DED2;max-width:720px}
.prose > * + *{margin-top:1.1em}
.prose h2{font-size:30px;margin-top:2em;color:var(--cream)}
.prose h3{font-size:22px;margin-top:1.6em;color:var(--cream)}
.prose a{color:var(--gold-light);border-bottom:1px solid rgba(230,203,143,.35)}
.prose a:hover{border-color:var(--gold-light)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li + li{margin-top:.45em}
.prose li::marker{color:var(--gold)}
.prose strong{color:var(--cream)}
.prose blockquote,.prose .note{border-left:2px solid var(--gold);background:rgba(201,161,90,.06);padding:16px 20px;border-radius:0 10px 10px 0;font-size:15.5px;color:var(--soft)}
.prose .note b{color:var(--gold-light)}
.prose table{width:100%;border-collapse:collapse;font-size:14.5px;display:block;overflow-x:auto}
.prose th,.prose td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.prose th{font-family:'Inter';font-size:11.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);background:var(--panel)}
.prose .card-inline{display:flex;gap:16px;align-items:center;padding:14px;border:1px solid var(--line);border-radius:12px;background:var(--panel);text-decoration:none;border-bottom:1px solid var(--line)}
.prose .card-inline .ci-box{flex-shrink:0;width:96px;height:72px;display:grid;place-items:center}
.prose .card-inline img{width:auto;height:auto;max-width:96px;max-height:72px;border-radius:6px}
.prose .card-inline b{display:block;color:var(--cream);font-family:'Fraunces',serif;font-size:18px;font-weight:500}
.prose .card-inline span{font-size:14px;color:var(--soft)}
.prose .card-inline em{margin-left:auto;font-style:normal;color:var(--gold-light);font-size:14px;white-space:nowrap}
@media (max-width:560px){.prose .card-inline em{display:none}.prose{font-size:16px}.prose h2{font-size:25px}}
.art-head{max-width:820px}
.art-meta{display:flex;gap:16px;align-items:center;color:var(--muted);font-size:13.5px;margin-top:18px;flex-wrap:wrap}
.art-meta img{width:34px;height:34px;border-radius:50%;object-fit:cover}
.progress{position:fixed;top:0;left:0;height:2px;background:var(--gold-grad);z-index:80;width:100%;transform-origin:left;transform:scaleX(0)}

/* ── FAQ ── */
.faq{max-width:820px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 0;font-size:17px;font-weight:500;display:flex;justify-content:space-between;gap:20px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:24px;color:var(--gold);transition:transform .3s var(--ease);flex-shrink:0}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 22px;color:var(--soft);font-size:15.5px;max-width:720px}
.faq .a a{color:var(--gold-light)}

/* ── Forms ── */
.form-panel{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;background:var(--panel);border:1px solid var(--line-2);border-radius:22px;padding:48px}
@media (max-width:860px){.form-panel{grid-template-columns:1fr;padding:28px 20px;gap:28px}}
.form-panel h2{font-size:clamp(28px,3.5vw,38px);margin-bottom:12px}
.form-panel .info p{color:var(--soft);margin-bottom:22px}
.form-panel .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.form-panel .row{grid-template-columns:1fr}}
form.f{display:flex;flex-direction:column;gap:14px}
.f label{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--soft);display:block;margin-bottom:6px}
.f input,.f textarea,.f select{width:100%;background:var(--bg);border:1px solid var(--line-2);border-radius:10px;padding:13px 14px;font:inherit;font-size:15px;color:var(--cream);transition:border-color .2s}
.f input:focus,.f textarea:focus,.f select:focus{outline:none;border-color:var(--gold)}
.f textarea{min-height:110px;resize:vertical}
.f .note{font-size:12px;color:var(--muted)}
.contact-line{display:flex;gap:12px;align-items:center;font-size:15px;margin-bottom:12px}
.contact-line i{width:36px;height:36px;border-radius:10px;border:1px solid var(--gold-deep);display:grid;place-items:center;color:var(--gold-light);font-style:normal}
.contact-line svg{width:16px;height:16px}
.news{display:flex;gap:10px;max-width:460px}
.news input{flex:1;background:var(--bg);border:1px solid var(--line-2);border-radius:999px;padding:12px 18px;color:var(--cream);font:inherit;font-size:14px}

/* ── Tools pages ── */
.tool-shell{max-width:920px;margin:0 auto}
.quiz{background:var(--panel);border:1px solid var(--line-2);border-radius:24px;padding:40px;position:relative;overflow:hidden;min-height:440px}
@media (max-width:600px){.quiz{padding:24px 18px}}
.quiz .bar{height:4px;background:var(--line);border-radius:4px;overflow:hidden;margin-bottom:30px}
.quiz .bar i{display:block;height:100%;background:var(--gold-grad);width:0;transition:width .5s var(--ease)}
.quiz .qn{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.quiz h2{font-size:clamp(24px,3.4vw,34px);margin-bottom:8px}
.quiz .sub{color:var(--soft);margin-bottom:26px}
.opts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (max-width:600px){.opts{grid-template-columns:1fr}}
.opt{display:flex;align-items:center;gap:14px;text-align:left;padding:16px 18px;border-radius:14px;border:1px solid var(--line-2);background:var(--bg-2);transition:border-color .2s,background .2s,transform .2s;font-size:15px}
.opt:hover{border-color:var(--gold-deep);transform:translateY(-2px)}
.opt.on{border-color:var(--gold);background:rgba(201,161,90,.1)}
.opt .oi{font-size:22px;width:40px;height:40px;border-radius:10px;background:var(--panel-2);display:grid;place-items:center;flex-shrink:0}
.opt small{display:block;color:var(--muted);font-size:12.5px}
.quiz-nav{display:flex;justify-content:space-between;margin-top:28px;gap:12px}
.result-card{display:grid;grid-template-columns:220px 1fr auto;gap:24px;align-items:center;padding:22px;border:1px solid var(--line);border-radius:18px;background:var(--bg-2);margin-bottom:14px}
.result-card.top{border-color:rgba(201,161,90,.55);background:linear-gradient(135deg,rgba(201,161,90,.12),var(--bg-2) 55%)}
.result-card .ri{height:170px;display:grid;place-items:center}
.result-card img{width:auto;height:auto;max-width:220px;max-height:170px;border-radius:10px;box-shadow:0 14px 30px -14px #000}
.result-card h3{font-size:22px;margin-bottom:6px}
.result-card .why{list-style:none;font-size:14px;color:var(--soft);display:flex;flex-direction:column;gap:4px;margin-top:8px}
.result-card .why li::before{content:"→ ";color:var(--gold)}
.result-card .rank{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700}
.result-card .val{font-family:'Fraunces',serif;font-size:26px;color:var(--gold-light)}
.result-card .val small{display:block;font-family:'Inter';font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.result-card .ra{display:flex;flex-direction:column;gap:8px;align-items:stretch;text-align:center}
@media (max-width:760px){.result-card{grid-template-columns:1fr;text-align:left}.result-card img{max-width:220px}}

.calc{display:grid;grid-template-columns:380px 1fr;gap:28px;align-items:start}
@media (max-width:960px){.calc{grid-template-columns:1fr}}
.calc .inputs{background:var(--panel);border:1px solid var(--line-2);border-radius:20px;padding:26px;position:sticky;top:calc(var(--header-h) + 60px)}
@media (max-width:960px){.calc .inputs{position:static}}
.slider{margin-bottom:18px}
.slider .top{display:flex;justify-content:space-between;font-size:14px;margin-bottom:8px}
.slider .top b{color:var(--gold-light);font-variant-numeric:tabular-nums}
.slider input[type=range]{width:100%;accent-color:var(--gold);height:4px}
.calc .total{display:flex;justify-content:space-between;padding-top:14px;border-top:1px solid var(--line);font-size:14px;color:var(--soft)}
.calc .total b{color:var(--cream)}
.rank-list{display:flex;flex-direction:column;gap:12px}
.rank-row{display:grid;grid-template-columns:40px 110px 1fr auto;gap:16px;align-items:center;padding:14px 18px;border:1px solid var(--line);border-radius:14px;background:var(--panel);transition:border-color .3s}
.rank-row:first-child{border-color:rgba(201,161,90,.55)}
.rank-row .pos{font-family:'Fraunces',serif;font-size:22px;color:var(--muted)}
.rank-row:first-child .pos{color:var(--gold-light)}
.rank-row .ri{height:76px;display:grid;place-items:center}
.rank-row img{width:auto;height:auto;max-width:110px;max-height:76px;border-radius:6px}
.rank-row h4{font-size:16px;font-family:'Inter';font-weight:600}
.rank-row .sub{font-size:12.5px;color:var(--muted)}
.rank-row .barwrap{height:6px;background:var(--line);border-radius:6px;margin-top:8px;overflow:hidden}
.rank-row .barwrap i{display:block;height:100%;background:var(--gold-grad);border-radius:6px;transition:width .6s var(--ease)}
.rank-row .v{text-align:right;font-family:'Fraunces',serif;font-size:22px;color:var(--gold-light);font-variant-numeric:tabular-nums}
.rank-row .v small{display:block;font-family:'Inter';font-size:11px;color:var(--muted)}
@media (max-width:600px){.rank-row{grid-template-columns:28px 1fr auto;gap:10px;padding:12px}.rank-row .ri{display:none}}

.cmp-pickers{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:28px}
@media (max-width:760px){.cmp-pickers{grid-template-columns:1fr}}
.cmp-pickers select{width:100%;background:var(--panel);border:1px solid var(--line-2);border-radius:12px;padding:14px;color:var(--cream);font:inherit;font-size:14px}
.cmp-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px}
.cmp-table{width:100%;border-collapse:collapse;min-width:720px;font-size:14px}
.cmp-table th,.cmp-table td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.cmp-table thead th{background:var(--panel);vertical-align:bottom}
.cmp-table thead .cmp-img{height:150px;display:flex;align-items:flex-end;margin-bottom:10px}
.cmp-table thead img{width:auto;height:auto;max-width:180px;max-height:150px;border-radius:8px}
.cmp-table thead h3{font-size:17px}
.cmp-table tbody th{color:var(--muted);font-weight:500;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em;width:170px;background:var(--bg-2)}
.cmp-table td.best{color:var(--good)}

/* ── Footer ── */
footer.site{border-top:1px solid var(--line);padding:70px 0 34px;background:var(--bg-2);margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:36px;margin-bottom:46px}
.foot-grid h4{font-family:'Inter';font-size:11.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.foot-grid ul{list-style:none;display:flex;flex-direction:column;gap:10px;font-size:14px;color:var(--soft)}
.foot-grid a:hover{color:var(--gold-light)}
.foot-grid .about p{color:var(--soft);font-size:14px;margin:14px 0 18px;max-width:320px}
.social{display:flex;gap:10px}
.social a{width:40px;height:40px;border-radius:50%;border:1px solid var(--line-2);display:grid;place-items:center;transition:all .25s}
.social a:hover{border-color:var(--gold);color:var(--gold-light);transform:translateY(-3px)}
.social svg{width:17px;height:17px}
.foot-bottom{border-top:1px solid var(--line);padding-top:24px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:12.5px;color:var(--muted)}
.foot-bottom .disc{max-width:720px;line-height:1.55}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid .about{grid-column:span 2}}

/* ── CTA band ── */
.cta-band{border-radius:26px;padding:60px 48px;text-align:center;position:relative;overflow:hidden;background:radial-gradient(circle at 50% -20%,rgba(201,161,90,.35),transparent 60%),var(--panel);border:1px solid rgba(201,161,90,.35)}
.cta-band h2{font-size:clamp(28px,4vw,46px);margin-bottom:14px}
.cta-band p{color:var(--soft);max-width:560px;margin:0 auto 26px}
.cta-band .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
@media (max-width:600px){.cta-band{padding:40px 20px}}

/* ── Notice ── */
.notice{display:flex;gap:12px;padding:14px 18px;border-radius:12px;background:rgba(229,163,107,.07);border:1px solid rgba(229,163,107,.25);font-size:13.5px;color:var(--soft)}
.notice b{color:var(--warn)}

/* ── Reveal (JS adds .in) ── */
.js .reveal{opacity:0;transform:translateY(28px)}
.js .reveal.in{opacity:1;transform:none;transition:opacity .9s var(--ease),transform .9s var(--ease)}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .js .reveal{opacity:1;transform:none}
  .marquee-track{animation:none}
}

/* ── Change timeline ── */
.timeline{position:relative;display:flex;flex-direction:column;gap:0;max-width:900px}
.timeline::before{content:"";position:absolute;left:148px;top:8px;bottom:8px;width:1px;background:var(--line-2)}
.timeline .tl-fill{position:absolute;left:148px;top:8px;width:1px;background:var(--gold-grad);height:0}
.tl-item{display:grid;grid-template-columns:130px 36px 1fr;align-items:start;padding:14px 0}
.tl-date{font-size:13px;color:var(--gold-light);font-weight:600;text-align:right;padding-top:2px;font-variant-numeric:tabular-nums}
.tl-dot{width:11px;height:11px;border-radius:50%;background:var(--bg-2);border:2px solid var(--gold);margin:5px auto 0;position:relative;z-index:1}
.tl-body b{font-size:15.5px}
.tl-body p{color:var(--soft);font-size:14.5px}
@media (max-width:640px){.timeline::before,.timeline .tl-fill{left:5px}.tl-item{grid-template-columns:12px 1fr;gap:14px}.tl-date{grid-column:2;text-align:left;order:-1;padding:0}.tl-dot{grid-row:1/3;grid-column:1;margin:4px 0 0}.tl-body{grid-column:2}}

@media (max-width:480px){
  .logo{font-size:18px;gap:8px}
  .logo .mark{width:24px;height:16px}
  .nav{gap:10px}
  .nav-right{gap:8px}
  .nav-right .btn-gold{padding:9px 14px;font-size:12.5px}
  .burger{width:40px;height:40px}
  .burger span{left:11px;right:11px}
  .burger span:nth-child(1){top:14px}.burger span:nth-child(2){top:19px}.burger span:nth-child(3){top:24px}
  .topbar{font-size:12px}
}
@media (max-width:360px){.logo .mark{display:none}}
body.nav-open header.site{z-index:80;background:rgba(11,10,9,.98)}
.drawer{padding-top:130px}
@media (max-width:560px){
  .rtable td{display:block;width:auto!important;padding:4px 0}
  .rtable td:first-child{padding-top:14px;font-size:13px}
  .rtable tr{display:block;border-bottom:1px solid var(--line);padding-bottom:12px}
  .rtable td{border:0}
  .rtable thead{display:none}
}

/* ── Cards only available through a relationship manager ── */
.rm-note{margin-top:18px;padding:14px 18px;border-radius:12px;background:rgba(201,161,90,.08);border:1px solid rgba(201,161,90,.35);font-size:14px;color:var(--soft);scroll-margin-top:140px}
.rm-note b{color:var(--gold-light)}