@import url('https://fonts.googleapis.com/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@24,400,0,0');

/* ============================================
   DESIGN TOKENS (ui-kit.html)
   ============================================ */
:root {
  --bg-base: #15151D;
  --surface-card: rgba(255, 255, 255, 0.02);
  --surface-hover: rgba(255, 255, 255, 0.04);
  --surface-modal: rgba(255, 255, 255, 0.06);

  --text-primary: #FFFFFF;
  --text-secondary: rgba(255, 255, 255, 0.6);
  --text-muted: #898B9A;

  --accent-primary: #97A5FC;
  --accent-strong: #1D15F4;
  --accent-soft: rgba(151, 165, 252, 0.12);
  --accent-hover: #B4BEFD;
  --accent-active: #7E8DF8;
  --accent-gradient: linear-gradient(135deg, #97A5FC 0%, #1D15F4 100%);

  --status-success: #48D440;
  --status-warning: #FEE318;
  --status-danger: #DF3F3F;
  --neutral-light: #E5E7EB;

  --border-default: rgba(255, 255, 255, 0.08);
  --border-input: rgba(255, 255, 255, 0.15);
  --border-strong: rgba(255, 255, 255, 0.16);
  --border-accent: #97A5FC;

  --radius-xs: 8px;
  --radius-sm: 12px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 35px;
  --radius-pill: 99px;

  --glow-primary: 0 0 40px rgba(151, 165, 252, 0.25);
  --shadow-card-hover: 0 8px 32px rgba(0, 0, 0, 0.4);
  --glow-focus: 0 0 0 4px rgba(151, 165, 252, 0.15);

  --t-color: 200ms ease-out;
  --t-transform: 250ms ease-out;

  --container-max: 1280px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: 88px;
  overflow-x: clip;
  max-width: 100%;
}

body {
  background: var(--bg-base);
  color: var(--text-primary);
  font-family: 'Google Sans Flex', 'Inter', system-ui, sans-serif;
  font-weight: 400;
  line-height: 1.55;
  letter-spacing: 0;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
  max-width: 100%;
}

body.menu-open { overflow: hidden; }

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
ul { list-style: none; }

:focus { outline: none; }
:focus-visible {
  outline: 2px solid var(--accent-primary);
  outline-offset: 3px;
}

/* Reveal */
[data-reveal] {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 600ms ease-out, transform 600ms ease-out;
}
[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* Typography */
.t-mega { font-size: 120px; font-weight: 700; line-height: 0.95; }
.t-hero { font-size: 88px; font-weight: 700; line-height: 1.02; }
.t-h1 { font-size: 64px; font-weight: 700; line-height: 1.08; }
.t-h2 { font-size: 44px; font-weight: 700; line-height: 1.15; }
.t-h3 { font-size: 28px; font-weight: 600; line-height: 1.25; }
.t-h4 { font-size: 20px; font-weight: 600; line-height: 1.3; }
.t-bodyL { font-size: 20px; font-weight: 400; line-height: 1.5; }
.t-body { font-size: 16px; font-weight: 400; line-height: 1.55; }
.t-bodyS { font-size: 14px; font-weight: 400; line-height: 1.5; }
.t-caption { font-size: 12px; font-weight: 500; line-height: 1.4; }

@media (max-width: 767px) {
  .t-mega { font-size: 56px; }
  .t-hero { font-size: 48px; }
  .t-h1 { font-size: 36px; }
  .t-h2 { font-size: 28px; }
  .t-h3 { font-size: 22px; }
}

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding-left: 80px;
  padding-right: 80px;
}
@media (max-width: 1023px) {
  .container { padding-left: 40px; padding-right: 40px; }
}
@media (max-width: 767px) {
  .container { padding-left: 20px; padding-right: 20px; }
}

.section-head { max-width: 720px; margin-bottom: 64px; }
.section-head .section-sub {
  color: var(--text-secondary);
  margin-top: 12px;
}

/* Icons */
/* Material Symbols (homepage decorative icons) */
.mi {
  font-family: 'Material Symbols Outlined';
  font-weight: normal;
  font-style: normal;
  line-height: 1;
  letter-spacing: normal;
  text-transform: none;
  display: inline-block;
  white-space: nowrap;
  word-wrap: normal;
  direction: ltr;
  -webkit-font-smoothing: antialiased;
  font-variation-settings: 'FILL' 0, 'wght' 400, 'GRAD' 0, 'opsz' 48;
  color: var(--accent-primary);
  user-select: none;
}
.mi--meta { font-size: 44px; }
.mi--vp { font-size: 80px; font-variation-settings: 'FILL' 0, 'wght' 300, 'GRAD' 0, 'opsz' 48; }
.mi--cat-lg { font-size: 52px; }
.mi--cat-md { font-size: 44px; }
.mi--cat-sm { font-size: 40px; }
.mi--why { font-size: 48px; }
.mi--page { font-size: 44px; }
.mi--contact { font-size: 44px; }
.mi--perk {
  font-size: 22px;
  color: var(--status-success);
}
.mi--success {
  font-size: 48px;
  color: var(--status-success);
}
.mi--trait {
  font-size: 20px;
  color: var(--status-success);
}
.mi--ui {
  font-size: 24px;
  font-variation-settings: 'FILL' 0, 'wght' 400, 'GRAD' 0, 'opsz' 24;
  color: currentColor;
}
.ico { flex-shrink: 0; }
.ico g {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* Buttons (ui-kit) */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 500;
  line-height: 1;
  border-radius: 99px;
  border: none;
  cursor: pointer;
  padding: 0 36px;
  height: 56px;
  transition: background var(--t-color), color var(--t-color),
              box-shadow var(--t-color), transform var(--t-transform);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent-primary);
  color: var(--bg-base);
}
.btn-primary:hover {
  background: var(--accent-hover);
  box-shadow: 0 0 32px rgba(151, 165, 252, 0.4);
}
.btn-primary:active { background: var(--accent-active); }
.btn-ghost {
  background: transparent;
  color: var(--accent-primary);
  padding: 0 16px;
}
.btn-ghost:hover { text-decoration: underline; }
.btn-m { height: 48px; font-size: 15px; padding: 0 28px; }

/* Blob */
.blob {
  position: absolute;
  border-radius: 50%;
  background: linear-gradient(135deg, #97A5FC 0%, #1D15F4 100%);
  filter: blur(160px);
  opacity: 0.35;
  pointer-events: none;
  z-index: 0;
}

.page-blob {
  position: fixed;
  top: -300px;
  right: -200px;
  width: min(800px, 120vw);
  height: min(800px, 120vw);
  background: linear-gradient(135deg, #97A5FC 0%, #1D15F4 100%);
  border-radius: 50%;
  filter: blur(160px);
  opacity: 0.15;
  z-index: 0;
  pointer-events: none;
}
@media (max-width: 767px) {
  .page-blob {
    top: -180px;
    right: -80px;
    width: min(420px, 100vw);
    height: min(420px, 100vw);
  }
}

/* Loan card */
.loan-card {
  background: var(--surface-card);
  border-radius: 35px;
  padding: 24px;
  backdrop-filter: blur(20px);
}
.loan-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 20px;
}
.loan-tag {
  color: var(--accent-primary);
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 6px;
}
.loan-amount { font-size: 28px; font-weight: 700; }
.loan-amount .of {
  color: var(--text-muted);
  font-weight: 500;
  font-size: 16px;
}
.loan-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.meta-box {
  background: var(--surface-card);
  border-radius: 16px;
  padding: 12px 16px;
  text-align: center;
}
.meta-label { font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.meta-value { font-size: 14px; font-weight: 500; }
.ring { width: 56px; height: 56px; flex-shrink: 0; }

/* ========== HEADER ========== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 110;
  height: 72px;
  background: transparent;
  transition: background var(--t-color), backdrop-filter var(--t-color);
}
.site-header.is-scrolled {
  background: rgba(21, 21, 29, 0.7);
  backdrop-filter: blur(20px);
}
.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 100%;
}
.logo {
  font-size: 20px;
  font-weight: 600;
  text-decoration: none;
  flex-shrink: 0;
}
.main-nav { display: flex; gap: 32px; }
.main-nav a {
  font-size: 15px;
  color: var(--text-secondary);
  text-decoration: none;
  transition: color var(--t-color);
}
.main-nav a:hover { color: var(--accent-primary); }
.menu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  padding: 0;
  margin-left: auto;
  background: rgba(21, 21, 29, 0.92);
  border: 1px solid rgba(151, 165, 252, 0.5);
  border-radius: var(--radius-sm);
  cursor: pointer;
  color: #fff;
  -webkit-appearance: none;
  appearance: none;
  box-shadow: 0 0 24px rgba(151, 165, 252, 0.2);
}
.menu-toggle-svg {
  display: block;
  flex-shrink: 0;
  pointer-events: none;
}
.menu-toggle-icon {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 22px;
  height: 18px;
  pointer-events: none;
}
.menu-toggle-icon span {
  display: block;
  height: 2px;
  width: 100%;
  background: #fff;
  border-radius: 1px;
  transition: transform 200ms ease-out, opacity 200ms ease-out;
}
body.menu-open .menu-toggle-icon span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
body.menu-open .menu-toggle-icon span:nth-child(2) {
  opacity: 0;
}
body.menu-open .menu-toggle-icon span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 105;
  background: var(--bg-base);
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 24px;
  padding: 96px 20px 40px;
}
.mobile-nav a {
  font-size: 24px;
  font-weight: 500;
  text-decoration: none;
}
body.menu-open .mobile-nav { display: flex; }
.mobile-nav[hidden] { display: none !important; }
body.menu-open .mobile-nav[hidden] { display: flex !important; }

@media (max-width: 1023px) {
  .site-header .container {
    padding-right: 64px;
  }
  .header-inner {
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: 12px;
    position: relative;
  }
  .header-inner .menu-toggle {
    display: none !important;
  }
  .main-nav,
  .header-cta {
    display: none !important;
    visibility: hidden !important;
    pointer-events: none !important;
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    overflow: hidden !important;
    clip: rect(0, 0, 0, 0) !important;
    white-space: nowrap !important;
  }
  body > .menu-toggle {
    display: inline-flex !important;
    visibility: visible !important;
    opacity: 1 !important;
    position: fixed;
    top: 12px;
    right: max(16px, env(safe-area-inset-right, 16px));
    left: auto;
    margin: 0;
    z-index: 250;
    pointer-events: auto !important;
  }
}

@media (min-width: 1024px) {
  .menu-toggle {
    display: none !important;
  }
  .main-nav {
    display: flex;
  }
  .header-cta {
    display: inline-flex;
  }
}

/* ========== HERO (editorial) ========== */
.hero {
  position: relative;
  min-height: 100vh;
  padding: 120px 0 96px;
  overflow: hidden;
}
.hero-blob {
  top: -200px;
  right: -200px;
  width: 700px;
  height: 700px;
  opacity: 0.4;
}
.hero-blob-2 {
  bottom: -100px;
  left: -200px;
  width: 500px;
  height: 500px;
  opacity: 0.2;
}
.hero-blob-2 {
  bottom: -100px;
  left: -200px;
  width: 500px;
  height: 500px;
  opacity: 0.2;
}
.hero-container {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  min-height: calc(100vh - 216px);
}
.hero-shelf-1 { flex: 0 0 auto; margin-bottom: 48px; }
.hero-top {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.72fr);
  column-gap: 96px;
  row-gap: 40px;
  align-items: center;
}
.hero-copy { min-width: 0; }
.hero-visual {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-left: 24px;
}
.hero-visual img {
  width: 100%;
  max-width: min(300px, 100%);
  height: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 16px 40px rgba(29, 21, 244, 0.4));
}
.hero-mega {
  color: var(--text-primary);
  font-size: 100px;
  line-height: 0.98;
}
.hero-accent {
  background: var(--accent-gradient);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
  margin: 48px 0;
}
.hero-shelf-2 {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 48px;
  margin-bottom: 96px;
}
.hero-sub { max-width: 480px; color: var(--text-secondary); }
.hero-cta {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-shrink: 0;
  flex-wrap: wrap;
}
.hero-shelf-3 { margin-top: auto; }
.hero-cards-caption { color: var(--text-muted); margin-bottom: 16px; }
.hero-cards {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
}
.hero-card { transition: transform 300ms ease-out; }
.hero-card-1 { transform: rotate(-2deg); }
.hero-card-2 { transform: rotate(1deg); }
.hero-card-3 { transform: rotate(-2deg); }
.hero-card:hover {
  transform: rotate(0deg) translateY(-4px);
  z-index: 2;
  position: relative;
}

@media (max-width: 1023px) {
  .hero-top {
    grid-template-columns: 1fr;
    column-gap: 0;
    row-gap: 32px;
  }
  .hero-mega { font-size: 72px; }
  .hero-visual {
    justify-content: center;
    padding-left: 0;
  }
  .hero-visual img { max-width: min(280px, 78vw); margin: 0 auto; }
}

@media (max-width: 767px) {
  .hero { padding: 96px 0 64px; min-height: auto; }
  .hero-container { min-height: auto; }
  .hero-mega { font-size: 50px; }
  .hero-shelf-2 { flex-direction: column; align-items: flex-start; margin-bottom: 48px; }
  .hero-cards { grid-template-columns: 1fr; }
  .hero-card-1, .hero-card-3 { display: none; }
  .hero-card-2 { transform: none; }
  .hero-divider { margin: 32px 0; }
}

.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;
}

/* ========== TRUST META ========== */
.trust-meta { padding: 80px 0; }
.meta-panel {
  position: relative;
  background: var(--surface-card);
  border-radius: 35px;
  padding: 48px;
  backdrop-filter: blur(20px);
  overflow: hidden;
}
.meta-panel-head { margin-bottom: 40px; max-width: 480px; }
.meta-panel-eyebrow {
  color: var(--accent-primary);
  text-transform: uppercase;
  margin-bottom: 12px;
  display: block;
}
.meta-panel-title { color: var(--text-primary); }
.meta-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  position: relative;
  z-index: 1;
}
.meta-card {
  background: rgba(255, 255, 255, 0.03);
  border-radius: 24px;
  padding: 24px;
  transition: background var(--t-color), transform var(--t-transform);
}
.meta-card:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
}
.meta-card-icon {
  margin-bottom: 16px;
  line-height: 1;
}
.meta-label {
  font-size: 11px;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  margin-bottom: 6px;
}
.meta-value {
  font-size: 20px;
  font-weight: 600;
  margin-bottom: 8px;
}
.meta-hint { color: var(--text-secondary); }

@media (max-width: 1023px) {
  .meta-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .meta-panel { padding: 28px 20px; }
  .meta-grid { grid-template-columns: 1fr; }
}

/* ========== VALUE PROPS ========== */
.value-props { padding: 96px 0; }
.vp-head { margin-bottom: 80px; }
.vp-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding: 96px 0;
}
.vp-row:first-of-type { padding-top: 0; }
.vp-row:last-child { padding-bottom: 0; }
.vp-row-left .vp-content { grid-column: 1; }
.vp-row-left .vp-visual { grid-column: 2; justify-self: end; }
.vp-row-right .vp-visual { grid-column: 1; justify-self: start; }
.vp-row-right .vp-content { grid-column: 2; }
.vp-num {
  font-size: 160px;
  font-weight: 700;
  line-height: 1;
  background: var(--accent-gradient);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  opacity: 0.4;
  margin-bottom: -40px;
}
.vp-title {
  font-size: 36px;
  font-weight: 700;
  line-height: 1.15;
  position: relative;
  z-index: 1;
  margin-bottom: 16px;
}
.vp-text {
  max-width: 480px;
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.55;
}
.vp-img {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  max-width: 360px;
}
.vp-img::before {
  content: '';
  position: absolute;
  inset: -24px -48px;
  background: var(--accent-primary);
  filter: blur(72px);
  opacity: 0.12;
  z-index: 0;
  pointer-events: none;
}
.vp-img img {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 320px;
  height: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 12px 32px rgba(29, 21, 244, 0.35));
  transition: transform 450ms ease-out;
}
.vp-row:hover .vp-img img {
  transform: scale(1.03) translateY(-2px);
}

@media (max-width: 767px) {
  .value-props { padding: 64px 0; }
  .vp-head { margin-bottom: 40px; }
  .vp-row {
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 48px 0;
  }
  .vp-row:first-of-type { padding-top: 0; }
  .vp-row:last-child { padding-bottom: 0; }
  .vp-row .vp-visual {
    grid-column: 1;
    grid-row: 1;
    justify-self: center;
    width: 100%;
  }
  .vp-row .vp-content { grid-column: 1; grid-row: 2; }
  .vp-img {
    max-width: min(220px, 72vw);
    margin: 0 auto;
  }
  .vp-img img { max-width: min(200px, 100%); }
  .vp-num { font-size: 72px; margin-bottom: -16px; }
  .vp-title { font-size: 24px; }
  .vp-text { max-width: none; font-size: 15px; }
}

/* ========== HOW IT WORKS ========== */
.how { padding: 128px 0; }
.how-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 96px;
}
.how-head .section-sub { color: var(--text-secondary); margin-top: 12px; }
.how-stage { position: relative; height: 360px; }
.how-curve {
  position: absolute;
  inset: 80px 0;
  height: 200px;
  width: 100%;
  pointer-events: none;
}
.curve-path {
  stroke-dasharray: 1500;
  stroke-dashoffset: 1500;
}
.how-stage.is-visible .curve-path {
  animation: drawCurve 1500ms ease-out forwards;
}
@keyframes drawCurve {
  to { stroke-dashoffset: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .curve-path { stroke-dashoffset: 0; animation: none; }
}
.how-point {
  position: absolute;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--accent-primary);
  box-shadow: 0 0 24px rgba(151, 165, 252, 0.5);
  z-index: 2;
}
.how-point-1 { left: 8%; top: 220px; }
.how-point-2 { left: 50%; top: 100px; transform: translateX(-50%); }
.how-point-3 { left: 92%; top: 220px; transform: translateX(-100%); }
.how-card {
  position: absolute;
  width: 280px;
  padding: 20px;
  background: var(--surface-card);
  border-radius: 24px;
  backdrop-filter: blur(20px);
}
.how-card-1 { left: 0; top: 60px; }
.how-card-2 { left: 50%; transform: translateX(-50%); top: 200px; }
.how-card-3 { right: 0; top: 60px; }
.how-num {
  font-size: 12px;
  font-weight: 500;
  color: var(--accent-primary);
  margin-bottom: 8px;
}
.how-card h3 { margin-bottom: 8px; }
.how-card p { color: var(--text-secondary); }

@media (max-width: 1023px) {
  .how-stage {
    height: auto;
    display: flex;
    flex-direction: column;
    gap: 48px;
  }
  .how-curve, .how-point { display: none; }
  .how-card {
    position: static;
    width: 100%;
    transform: none;
  }
}

/* ========== PICKER ========== */
.picker-section { position: relative; }
.picker-track { min-height: auto; }
.picker-sticky {
  position: relative;
  min-height: auto;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  padding: 120px 0;
}
.picker-blob {
  width: 800px;
  height: 800px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  opacity: 0.25;
  transition: transform 600ms ease-out;
}
.picker-decor {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.decor-dot {
  position: absolute;
  left: var(--x);
  top: var(--y);
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-primary);
  opacity: 0.4;
  transition: transform 200ms ease-out;
}
.ghost-card {
  position: absolute;
  width: 360px;
  height: 240px;
  background: var(--surface-card);
  border-radius: 35px;
  backdrop-filter: blur(20px);
  opacity: 0.4;
  transition: transform 300ms ease-out;
}
.ghost-card-1 { left: 8%; top: 25%; transform: rotate(-6deg); }
.ghost-card-2 { right: 8%; bottom: 20%; transform: rotate(4deg); }

.picker-desktop { position: relative; z-index: 2; width: 100%; display: flex; justify-content: center; }
.picker-mobile { display: none; }

.picker-card {
  max-width: 600px;
  width: 100%;
  margin: 0 32px;
  background: var(--surface-card);
  border-radius: 35px;
  padding: 48px;
  backdrop-filter: blur(20px);
  text-align: center;
}
.picker-title { margin-bottom: 8px; }
.picker-sub { color: var(--text-secondary); margin-bottom: 32px; }
.picker-amount {
  font-size: 96px;
  font-weight: 700;
  line-height: 1;
  background: var(--accent-gradient);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 4px;
}
.amount-currency { font-size: 56px; vertical-align: top; }
.amount-label {
  color: var(--text-muted);
  text-transform: uppercase;
  margin-bottom: 32px;
}
.picker-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 32px;
}
.stat-box {
  background: rgba(255, 255, 255, 0.03);
  border-radius: 16px;
  padding: 16px;
}
.stat-label {
  color: var(--text-muted);
  margin-bottom: 6px;
  text-transform: uppercase;
}
.stat-value { font-size: 20px; font-weight: 600; }
.picker-cta {
  width: 100%;
  max-width: 320px;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 300ms ease-out, transform 300ms ease-out;
  pointer-events: none;
}
.picker-cta.is-ready {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.picker-disclaimer { color: var(--text-muted); margin-top: 24px; }

.picker-slider-wrap { margin-bottom: 28px; }
.picker-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.08);
  outline: none;
  cursor: pointer;
}
.picker-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--accent-gradient);
  box-shadow: 0 0 24px rgba(151, 165, 252, 0.6);
  border: 3px solid var(--bg-base);
  cursor: grab;
}
.picker-slider::-moz-range-thumb {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--accent-gradient);
  box-shadow: 0 0 24px rgba(151, 165, 252, 0.6);
  border: 3px solid var(--bg-base);
  cursor: grab;
}
.picker-slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 12px;
  font-size: 12px;
  color: var(--text-muted);
}

/* Mobile picker fallback */
.picker-mobile .amount-picker {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.picker-mobile .amount-option {
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 20px;
  font-weight: 500;
  color: var(--text-muted);
  padding: 10px 14px;
  transition: color var(--t-color), transform var(--t-color);
}
.picker-mobile .amount-option.is-selected {
  font-size: 32px;
  color: var(--accent-primary);
  font-weight: 700;
}

body.picker-mode-mobile .picker-section { height: auto; }
body.picker-mode-mobile .picker-sticky {
  position: static;
  height: auto;
  padding: 96px 0;
  min-height: auto;
}
body.picker-mode-mobile .picker-desktop { display: none; }
body.picker-mode-mobile .picker-mobile { display: block; width: 100%; }
body.picker-mode-mobile .ghost-card,
body.picker-mode-mobile .picker-blob,
body.picker-mode-mobile .picker-decor { display: none; }
body.picker-mode-mobile .picker-cta {
  opacity: 1;
  transform: none;
  pointer-events: auto;
}

@media (max-width: 767px) {
  .picker-section { height: auto; }
  .picker-sticky {
    position: static;
    height: auto;
    padding: 64px 0;
  }
  .picker-desktop { display: none; }
  .picker-mobile { display: block; width: 100%; }
  .ghost-card, .picker-blob, .picker-decor { display: none; }
  .picker-card {
    margin: 0;
    padding: 28px 20px;
    border-radius: var(--radius-lg);
  }
  .picker-mobile .picker-title { font-size: 22px; }
  .picker-mobile .picker-sub {
    font-size: 14px;
    margin-bottom: 24px;
  }
  .picker-mobile .amount-picker {
    gap: 6px 10px;
    margin-bottom: 24px;
  }
  .picker-mobile .amount-option {
    font-size: 15px;
    padding: 8px 10px;
  }
  .picker-mobile .amount-option.is-selected {
    font-size: 22px;
  }
  .picker-stats {
    gap: 10px;
    margin-bottom: 24px;
  }
  .stat-box { padding: 14px 12px; }
  .stat-value { font-size: 17px; }
  .picker-cta {
    opacity: 1;
    transform: none;
    pointer-events: auto;
    max-width: none;
  }
  .picker-disclaimer {
    font-size: 11px;
    line-height: 1.45;
    margin-top: 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .picker-section { height: auto; }
  .picker-sticky { position: static; height: auto; padding: 96px 0; }
}

/* ========== CATEGORIES BENTO ========== */
.cat-section { padding: 128px 0; }
.bento-cat {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: repeat(3, minmax(160px, auto));
  gap: 16px;
}
.cat-tile {
  background: var(--surface-card);
  border-radius: 35px;
  padding: 28px;
  color: inherit;
  position: relative;
  overflow: hidden;
  transition: background var(--t-color), transform var(--t-transform), box-shadow var(--t-color);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  cursor: default;
}
.cat-tile:hover,
.cat-tile:focus-visible {
  background: var(--surface-hover);
  transform: translateY(-3px);
  box-shadow: var(--shadow-card-hover);
  outline: none;
}
.cat-tile-glow {
  position: absolute;
  inset: -60px auto auto -60px;
  width: 180px;
  height: 180px;
  background: var(--accent-primary);
  filter: blur(80px);
  opacity: 0.12;
  pointer-events: none;
}
.cat-icon-wrap {
  display: flex;
  align-items: center;
  line-height: 1;
  color: var(--accent-primary);
  margin-bottom: 20px;
}
.cat-icon-wrap--md { margin-bottom: 16px; }
.cat-icon-wrap--sm { margin-bottom: 12px; }
.cat-sub { color: var(--text-secondary); margin-top: 8px; max-width: 320px; }

.cat-personal { grid-column: 1 / span 2; grid-row: 1; }
.cat-consol { grid-column: 3 / span 2; grid-row: 1; }
.cat-emergency { grid-column: 1 / span 2; grid-row: 2; }
.cat-medical { grid-column: 3; grid-row: 2; }
.cat-repairs { grid-column: 4; grid-row: 2; }
.cat-purchases { grid-column: 1; grid-row: 3; }
.cat-education { grid-column: 2; grid-row: 3; }
.cat-travel { grid-column: 3; grid-row: 3; }
.cat-moving { grid-column: 4; grid-row: 3; }

.cat-tile-decor {
  position: absolute;
  bottom: -20px;
  right: -20px;
  width: 200px;
  height: 200px;
  opacity: 0.15;
  pointer-events: none;
}
.cat-decor-dots {
  background-image: radial-gradient(circle, var(--accent-primary) 1.5px, transparent 1.5px);
  background-size: 16px 16px;
}
.cat-decor-rings {
  inset: 0;
  width: 100%;
  height: 100%;
  bottom: auto;
  right: auto;
  opacity: 1;
}
.cat-decor-rings::before {
  content: '';
  position: absolute;
  left: 62%;
  top: 50%;
  width: 160%;
  height: 200%;
  transform: translate(-50%, -50%);
  background: repeating-radial-gradient(
    circle at center,
    transparent 0,
    transparent 17px,
    rgba(151, 165, 252, 0.08) 17px,
    rgba(151, 165, 252, 0.08) 18px
  );
  -webkit-mask-image: linear-gradient(
    to right,
    transparent 0%,
    rgba(0, 0, 0, 0.15) 28%,
    rgba(0, 0, 0, 0.55) 50%,
    black 72%
  );
  mask-image: linear-gradient(
    to right,
    transparent 0%,
    rgba(0, 0, 0, 0.15) 28%,
    rgba(0, 0, 0, 0.55) 50%,
    black 72%
  );
}
.cat-decor-diagonal {
  inset: 0;
  width: 100%;
  height: 100%;
  bottom: auto;
  right: auto;
  opacity: 0.55;
  background: repeating-linear-gradient(
    -42deg,
    transparent,
    transparent 10px,
    rgba(151, 165, 252, 0.1) 10px,
    rgba(151, 165, 252, 0.1) 11px
  );
}
.cat-decor-travel {
  inset: 0;
  width: 100%;
  height: 100%;
  bottom: auto;
  right: auto;
  opacity: 1;
  overflow: hidden;
  pointer-events: none;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, rgba(0, 0, 0, 0.35) 42%, black 68%);
  mask-image: linear-gradient(to right, transparent 0%, rgba(0, 0, 0, 0.35) 42%, black 68%);
}
.cat-decor-travel::before {
  content: '';
  position: absolute;
  top: 0;
  right: 8%;
  width: 1px;
  height: 100%;
  background: rgba(151, 165, 252, 0.1);
  box-shadow: -22px 0 0 0 rgba(151, 165, 252, 0.08);
}
.cat-decor-travel::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 18%;
  width: 100%;
  height: 1px;
  background: rgba(151, 165, 252, 0.1);
  box-shadow: 0 -22px 0 0 rgba(151, 165, 252, 0.08);
}

@media (max-width: 1023px) {
  .bento-cat { grid-template-columns: repeat(2, 1fr); grid-template-rows: auto; }
  .cat-personal, .cat-consol, .cat-emergency { grid-column: span 2; grid-row: auto; }
  .cat-medical, .cat-repairs, .cat-purchases, .cat-education, .cat-travel, .cat-moving { grid-column: span 1; grid-row: auto; }
}
@media (max-width: 767px) {
  .bento-cat { grid-template-columns: 1fr; gap: 12px; }
  .cat-tile { grid-column: span 1 !important; grid-row: auto !important; }
}

/* ========== LEARN BENTO ========== */
.learn { padding: 128px 0; }
.bento-learn {
  display: grid;
  grid-template-columns: 2fr 1fr;
  grid-template-rows: auto auto;
  gap: 16px;
}
.learn-tile {
  background: var(--surface-card);
  border: 1px solid var(--border-default);
  border-radius: 35px;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  display: flex;
  transition:
    background var(--t-color),
    border-color var(--t-color),
    transform var(--t-transform),
    box-shadow var(--t-color);
  flex-direction: column;
}
.learn-tile:hover {
  background: var(--surface-hover);
  border-color: rgba(151, 165, 252, 0.22);
  transform: translateY(-2px);
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.28);
}
.learn-quiz { grid-column: 1; grid-row: 1 / span 2; }
.learn-payment { grid-column: 2; grid-row: 1; flex-direction: row; align-items: stretch; }
.learn-minimum { grid-column: 2; grid-row: 2; flex-direction: row; align-items: stretch; }

/* Shared image treatment */
.learn-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  overflow: hidden;
}
.learn-visual img {
  position: relative;
  z-index: 1;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
  transition: transform 450ms ease-out;
  filter: drop-shadow(0 12px 28px rgba(29, 21, 244, 0.35));
}
.learn-tile:hover .learn-visual img {
  transform: scale(1.04) translateY(-2px);
}

/* Large card — media band on top */
.learn-quiz .learn-visual {
  flex: 1 1 52%;
  min-height: 280px;
  padding: 0 24px;
  background:
    radial-gradient(ellipse 80% 70% at 50% 100%, rgba(151, 165, 252, 0.22) 0%, transparent 68%),
    linear-gradient(165deg, rgba(29, 21, 244, 0.28) 0%, rgba(151, 165, 252, 0.06) 55%, transparent 100%);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.learn-quiz .learn-visual img {
  max-width: min(360px, 82%);
  max-height: min(300px, 90%);
}

/* Small cards — left media strip (same language as quiz, no icon box) */
.learn-payment,
.learn-minimum {
  min-height: 148px;
}
.learn-payment .learn-visual,
.learn-minimum .learn-visual {
  flex: 0 0 42%;
  max-width: 200px;
  min-width: 128px;
  margin: 0;
  padding: 18px 14px;
  align-self: stretch;
  border-radius: 0;
  border: none;
  border-right: 1px solid rgba(255, 255, 255, 0.06);
  box-shadow: none;
  background:
    radial-gradient(ellipse 95% 85% at 50% 100%, rgba(151, 165, 252, 0.2) 0%, transparent 68%),
    linear-gradient(165deg, rgba(29, 21, 244, 0.26) 0%, rgba(151, 165, 252, 0.06) 55%, transparent 100%);
}
.learn-payment .learn-visual img,
.learn-minimum .learn-visual img {
  max-width: min(140px, 100%);
  max-height: min(112px, 88%);
  filter: drop-shadow(0 10px 24px rgba(29, 21, 244, 0.35));
}

.learn-content {
  padding: 32px;
  flex: 1;
  display: flex;
  flex-direction: column;
  min-width: 0;
}
.learn-quiz .learn-content {
  padding: 36px 40px 40px;
  flex: 0 1 auto;
}
.learn-payment .learn-content,
.learn-minimum .learn-content {
  padding: 20px 22px 20px 18px;
  justify-content: center;
}
.learn-tag {
  display: inline-block;
  background: var(--accent-soft);
  color: var(--accent-primary);
  padding: 6px 14px;
  border-radius: 99px;
  font-size: 12px;
  font-weight: 500;
  margin-bottom: 16px;
  align-self: flex-start;
}
.learn-content h3 { margin-bottom: 12px; }
.learn-content p { color: var(--text-secondary); margin-bottom: 20px; }
.learn-cta { color: var(--accent-primary); font-weight: 500; margin-top: auto; }
.learn-payment .learn-cta,
.learn-minimum .learn-cta {
  margin-top: 12px;
}

@media (max-width: 1023px) {
  .bento-learn {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
  }
  .learn-quiz,
  .learn-payment,
  .learn-minimum {
    grid-column: 1;
    grid-row: auto;
  }
  .learn-payment,
  .learn-minimum {
    flex-direction: row;
  }
  .learn-quiz .learn-visual {
    flex: 0 0 auto;
    min-height: 220px;
    padding: 24px 20px 20px;
  }
  .learn-quiz .learn-visual img {
    max-width: min(280px, 88%);
    max-height: 220px;
  }
  .learn-payment .learn-visual,
  .learn-minimum .learn-visual {
    flex: 0 0 38%;
    max-width: 160px;
    min-width: 112px;
    padding: 16px 12px;
  }
  .learn-payment .learn-visual img,
  .learn-minimum .learn-visual img {
    max-width: min(120px, 100%);
    max-height: 96px;
  }
}

/* ========== ELIGIBILITY CAROUSEL ========== */
.elig { padding: 160px 0; }
.elig-container {
  max-width: var(--container-max);
  margin: 0 auto;
  width: 100%;
}
.elig-head { text-align: center; margin-bottom: 64px; }
.elig-head .section-sub { color: var(--text-secondary); margin-top: 12px; }

.elig-carousel {
  position: relative;
  width: 100%;
  max-width: 920px;
  margin: 0 auto;
}
.elig-carousel-viewport {
  height: 400px;
  width: 100%;
  overflow: hidden;
  outline: none;
}
.elig-track {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  width: 100%;
  transition: transform 450ms cubic-bezier(0.22, 1, 0.36, 1);
  padding: 140px 0;
  will-change: transform;
}
.elig-track.is-instant {
  transition: none;
}
.elig-slide {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 16px;
  width: 100%;
  max-width: 880px;
  padding: 10px 0;
  cursor: pointer;
  text-align: center;
  transition: opacity 350ms ease, transform 350ms ease, color 350ms ease;
  opacity: 0.32;
  transform: scale(0.9);
  transform-origin: center center;
  background: none;
  border: none;
}
.elig-slide.elig-clone {
  pointer-events: none;
}
.elig-slide.is-active {
  opacity: 1;
  transform: scale(1);
  padding: 12px 0;
}
.elig-slide .elig-num {
  font-size: 28px;
  font-weight: 700;
  line-height: 1;
  color: var(--text-muted);
  transition: font-size 350ms ease, color 350ms ease;
}
.elig-slide.is-active .elig-num {
  font-size: 96px;
  color: var(--accent-primary);
}
.elig-slide .elig-suffix {
  font-size: 15px;
  font-weight: 500;
  color: var(--text-muted);
  transition: font-size 350ms ease, color 350ms ease;
}
.elig-slide.is-active .elig-suffix {
  font-size: 24px;
  color: var(--text-secondary);
}
.elig-slide .elig-line {
  font-size: 20px;
  font-weight: 600;
  line-height: 1.1;
  color: var(--text-muted);
  transition: font-size 350ms ease, color 350ms ease, font-weight 350ms ease;
}
.elig-slide.is-active .elig-line {
  font-size: 60px;
  font-weight: 700;
  color: var(--text-primary);
}

.elig-note {
  color: var(--text-muted);
  text-align: center;
  margin-top: 48px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}

@media (max-width: 767px) {
  .elig { padding: 96px 0; }
  .elig-carousel-viewport { height: 300px; }
  .elig-track { padding: 100px 0; }
  .elig-slide.is-active .elig-num { font-size: 56px; }
  .elig-slide.is-active .elig-line { font-size: 36px; }
}

/* ========== WHY 2×2 ========== */
.why { padding: 128px 0; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 64px;
}
.why-card {
  position: relative;
  background: var(--surface-card);
  border-radius: 35px;
  padding: 32px;
  overflow: hidden;
  min-height: 260px;
  transition: background var(--t-color), transform var(--t-transform);
}
.why-card:hover {
  background: var(--surface-hover);
  transform: translateY(-2px);
}
.why-card-bg {
  position: absolute;
  right: 8px;
  bottom: -20px;
  font-size: 160px;
  font-weight: 700;
  line-height: 1;
  color: var(--accent-primary);
  opacity: 0.12;
  z-index: 0;
  pointer-events: none;
  transition: opacity 400ms ease, transform 400ms ease;
}
.why-card:hover .why-card-bg {
  opacity: 1;
  transform: scale(1.06);
}
.why-card-body {
  position: relative;
  z-index: 1;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.why-card-top {
  margin-bottom: 20px;
}
.why-icon {
  line-height: 1;
  color: var(--accent-primary);
  flex-shrink: 0;
}
.why-card h3 { margin-bottom: 12px; }
.why-card p {
  color: var(--text-secondary);
  margin-top: auto;
  transition: color var(--t-color);
}
.why-card:hover p {
  color: var(--text-primary);
}

@media (max-width: 767px) {
  .why-grid { grid-template-columns: 1fr; }
  .why-card-bg { font-size: 120px; }
}

/* ========== FAQ ========== */
.faq { padding: 128px 0; }
.faq-container { max-width: 880px; }
.faq .section-head {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 48px;
}
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--border-default); }
.faq-item:first-child { border-top: 1px solid var(--border-default); }
.faq-item summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  cursor: pointer;
  font-size: 20px;
  font-weight: 600;
  gap: 24px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-chevron {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform var(--t-transform);
}
.faq-item[open] .faq-chevron { transform: rotate(180deg); }
.faq-answer { padding: 0 0 24px; max-width: 720px; }
.faq-answer p { color: var(--text-secondary); font-size: 16px; line-height: 1.6; }

/* ========== FOOTER ========== */
.site-footer {
  padding: 0 0 40px;
  position: relative;
  z-index: 1;
  background: linear-gradient(180deg, transparent 0%, rgba(21, 21, 29, 0.6) 12%, rgba(255, 255, 255, 0.02) 100%);
  margin-top: 80px;
  overflow-x: clip;
  max-width: 100%;
}
.footer-separator {
  position: relative;
  height: 1px;
  margin-bottom: 64px;
}
.footer-separator-line {
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(151, 165, 252, 0.5) 50%, transparent);
}
.footer-cta-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 32px 40px;
  margin-bottom: 64px;
  background: var(--surface-card);
  border-radius: 35px;
  backdrop-filter: blur(20px);
  border: 1px solid rgba(151, 165, 252, 0.12);
}
.footer-cta-text p:first-child { margin-bottom: 6px; }
.footer-cta-text p:last-child { color: var(--text-secondary); }

@media (max-width: 767px) {
  .footer-cta-bar {
    flex-direction: column;
    align-items: flex-start;
    padding: 28px 24px;
  }
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 64px;
}
.footer-brand .logo { font-size: 20px; font-weight: 600; }
.footer-tag { color: var(--text-muted); margin-top: 8px; }
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-col-title {
  font-size: 12px;
  font-weight: 500;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 4px;
}
.footer-col a {
  font-size: 14px;
  color: var(--text-secondary);
  text-decoration: none;
  transition: color var(--t-color);
}
.footer-col a:hover { color: var(--accent-primary); }
.footer-bottom {
  margin-top: 64px;
  padding-top: 24px;
  border-top: 1px solid var(--border-default);
  text-align: center;
}
.footer-disclaimer {
  color: var(--text-muted);
  max-width: 880px;
  margin: 0 auto 16px;
  line-height: 1.5;
}
.footer-copy { color: var(--text-muted); }

@media (max-width: 767px) {
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
}