/* FINOSCOP — светлая финтех-доверительная тема */
:root {
  --bg: #f5f7f6;
  --bg-elevated: #ffffff;
  --bg-muted: #eef2f1;
  --ink: #142226;
  --ink-soft: #3d4f55;
  --ink-muted: #6b7c82;
  --line: #d5dedc;
  --line-strong: #b8c7c3;
  --accent: #0a5c63;
  --accent-deep: #074248;
  --accent-soft: #d7ecee;
  --accent-mid: #1a7f88;
  --warn: #8a5a12;
  --warn-bg: #f8efd9;
  --danger-soft: #f3e4e1;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(20, 34, 38, 0.06);
  --shadow-hover: 0 14px 36px rgba(10, 92, 99, 0.12);
  --font-display: "Unbounded", system-ui, sans-serif;
  --font-body: "Manrope", system-ui, sans-serif;
  --header-h: 68px;
  --container: 1120px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: var(--accent);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--accent-deep);
}

button,
input {
  font: inherit;
}

:focus-visible {
  outline: 2px solid var(--accent-mid);
  outline-offset: 3px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -48px;
  z-index: 1000;
  background: var(--accent);
  color: #fff;
  padding: 0.6rem 1rem;
  border-radius: 8px;
}

.skip-link:focus {
  top: 12px;
}

.container {
  width: min(100% - 2rem, var(--container));
  margin-inline: auto;
}

.container.narrow {
  width: min(100% - 2rem, 760px);
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(245, 247, 246, 0.88);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}

.site-header.is-scrolled,
.site-header:has(.nav-item.is-open) {
  border-bottom-color: var(--line);
  box-shadow: 0 4px 20px rgba(20, 34, 38, 0.04);
  background: #ffffff;
  backdrop-filter: none;
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: var(--header-h);
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--ink);
  flex-shrink: 0;
}

.logo:hover {
  color: var(--accent-deep);
}

.logo-mark {
  width: 44px;
  height: 44px;
  display: block;
  flex-shrink: 0;
  border-radius: 0;
  background: none;
  box-shadow: none;
  object-fit: contain;
}

.logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: 0.04em;
}

.nav-desktop {
  display: none;
  align-items: stretch;
  gap: 0.15rem;
  margin-left: 1rem;
  flex: 1;
  min-width: 0;
}

.nav-extra {
  display: none;
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  padding: 0.4rem 0.55rem;
  white-space: nowrap;
}

.nav-extra:hover {
  color: var(--accent);
}

.nav-item {
  position: static;
}

.nav-trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  border: none;
  background: transparent;
  color: var(--ink-soft);
  font: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.55rem 0.65rem;
  border-radius: 10px;
  cursor: pointer;
  white-space: nowrap;
}

.nav-trigger::after {
  content: "";
  width: 0;
  height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  opacity: 0.55;
  margin-top: 1px;
}

.nav-trigger:hover,
.nav-item.is-open .nav-trigger {
  color: var(--accent-deep);
  background: var(--accent-soft);
}

.mega-panel {
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  background: #ffffff;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 22px 48px rgba(20, 34, 38, 0.14);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(6px);
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s;
  z-index: 120;
  isolation: isolate;
}

.nav-item.is-open .mega-panel,
.mega-panel.is-open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: none;
}

.mega-panel-inner {
  width: min(100% - 2rem, var(--container));
  margin-inline: auto;
  display: grid;
  grid-template-columns: 1.1fr 1.1fr 0.85fr;
  gap: 1.5rem 2rem;
  padding: 1.35rem 0 1.5rem;
}

.mega-col {
  display: grid;
  gap: 0.15rem;
  align-content: start;
}

.mega-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.55rem 0.45rem;
  border-radius: 10px;
  text-decoration: none;
  color: var(--ink);
  font-weight: 600;
  font-size: 0.92rem;
  border: none;
  background: transparent;
  width: 100%;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
}

.mega-link:hover {
  background: var(--bg-muted);
  color: var(--accent-deep);
}

.mega-ico {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--bg-muted);
  color: var(--accent-deep);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

.mega-col.is-secondary .mega-link {
  font-weight: 500;
  color: var(--ink-muted);
  padding-left: 0.55rem;
}

.mega-col.is-secondary .mega-link:hover {
  color: var(--accent);
  background: transparent;
}

.mega-scrim {
  position: fixed;
  inset: 0;
  top: var(--header-h);
  background: rgba(16, 34, 38, 0.18);
  z-index: 90;
  border: none;
  padding: 0;
  cursor: default;
}

.mega-scrim[hidden] {
  display: none !important;
}

.mobile-mega {
  display: grid;
  gap: 0.35rem;
  margin-bottom: 1rem;
}

.mobile-mega details {
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--bg);
  overflow: hidden;
}

.mobile-mega summary {
  list-style: none;
  cursor: pointer;
  padding: 0.75rem 1rem;
  font-weight: 700;
}

.mobile-mega summary::-webkit-details-marker {
  display: none;
}

.mobile-mega-links {
  display: grid;
  gap: 0.15rem;
  padding: 0 0.5rem 0.65rem;
}

.mobile-mega-links a,
.mobile-mega-links button {
  display: block;
  width: 100%;
  text-align: left;
  border: none;
  background: transparent;
  color: var(--ink-soft);
  text-decoration: none;
  font: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.55rem 0.5rem;
  border-radius: 8px;
  cursor: pointer;
}

.mobile-mega-links a:hover,
.mobile-mega-links button:hover {
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.header-actions {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 0.45rem;
}

.search-btn,
.burger {
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  border-radius: 12px;
  color: var(--ink);
  cursor: pointer;
  display: grid;
  place-items: center;
}

.search-btn:hover,
.burger:hover {
  border-color: var(--line-strong);
}

.burger span {
  display: block;
  width: 16px;
  height: 2px;
  background: currentColor;
  margin: 2.5px 0;
  transition: transform 0.25s var(--ease), opacity 0.2s;
}

.burger[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(4.5px) rotate(45deg);
}

.burger[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.burger[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-4.5px) rotate(-45deg);
}

.search-panel,
.mobile-nav {
  border-top: 1px solid var(--line);
  background: var(--bg-elevated);
  padding: 1rem 0 1.25rem;
}

.search-label {
  display: block;
  font-size: 0.85rem;
  color: var(--ink-muted);
  margin-bottom: 0.4rem;
}

#site-search {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--bg);
}

.search-hint {
  margin: 0.5rem 0 0;
  color: var(--ink-muted);
  font-size: 0.85rem;
}

.mobile-nav nav {
  display: grid;
  gap: 0.35rem;
}

.mobile-nav a {
  text-decoration: none;
  color: var(--ink);
  padding: 0.65rem 0;
  font-weight: 600;
  border-bottom: 1px solid var(--bg-muted);
}

.mobile-cats {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  margin-top: 1rem;
}

.mobile-cats a {
  text-decoration: none;
  font-size: 0.8rem;
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent-deep);
  border: none;
  font-weight: 600;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  padding: 0.9rem 1.3rem;
  border-radius: 12px;
  border: 1px solid transparent;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s var(--ease), background 0.25s, border-color 0.25s, box-shadow 0.25s, color 0.2s;
}

.btn-arrow {
  transition: transform 0.25s var(--ease);
}

.btn:hover .btn-arrow {
  transform: translateX(3px);
}

.btn:active {
  transform: translateY(1px);
}

.btn-sm {
  padding: 0.55rem 0.9rem;
  font-size: 0.85rem;
  border-radius: 10px;
}

.btn-primary {
  background: linear-gradient(165deg, #12808a 0%, var(--accent) 55%, var(--accent-deep) 100%);
  color: #fff;
  box-shadow: 0 8px 22px rgba(10, 92, 99, 0.22);
}

.btn-primary:hover {
  background: linear-gradient(165deg, #1a909a 0%, var(--accent-deep) 100%);
  color: #fff;
  box-shadow: 0 14px 32px rgba(10, 92, 99, 0.28);
  transform: translateY(-2px);
}

.btn-glow::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, transparent 30%, rgba(255, 255, 255, 0.22) 48%, transparent 62%);
  transform: translateX(-120%);
  transition: transform 0.6s var(--ease);
}

.btn-glow:hover::after {
  transform: translateX(120%);
}

.btn-on-dark {
  background: #fff !important;
  color: var(--accent-deep) !important;
  box-shadow: 0 10px 28px rgba(0, 0, 0, 0.18);
}

.btn-on-dark:hover {
  background: #f3fbfb !important;
  color: var(--accent) !important;
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.85);
  color: var(--accent-deep);
  border-color: var(--line-strong);
  backdrop-filter: blur(6px);
}

.btn-secondary:hover {
  border-color: var(--accent);
  color: var(--accent);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(10, 92, 99, 0.1);
}

.btn-secondary.on-dark {
  background: transparent;
  color: #e8f4f4;
  border-color: rgba(232, 244, 244, 0.45);
  backdrop-filter: none;
}

.btn-secondary.on-dark:hover {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  border-color: #fff;
}

.btn-ghost {
  background: transparent;
  border-color: var(--line);
  color: var(--ink-soft);
}

.btn-ghost:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.btn-linkish {
  background: transparent;
  border: none;
  color: var(--accent);
  padding: 0.35rem 0;
  font-weight: 600;
  cursor: pointer;
}

.text-link {
  font-weight: 700;
  text-decoration: none;
}

/* Hero */
.hero {
  position: relative;
  padding: 2.75rem 0 3.5rem;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 55% at 88% 18%, rgba(26, 127, 136, 0.18), transparent 58%),
    radial-gradient(ellipse 45% 40% at 8% 85%, rgba(10, 92, 99, 0.1), transparent 55%),
    linear-gradient(165deg, #e4f0ef 0%, #f3f7f6 42%, var(--bg) 78%);
  pointer-events: none;
  overflow: hidden;
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(40px);
  opacity: 0.55;
  animation: blob-float 12s var(--ease) infinite;
}

.hero-blob-a {
  width: 280px;
  height: 280px;
  background: rgba(26, 127, 136, 0.28);
  top: -60px;
  right: 8%;
}

.hero-blob-b {
  width: 220px;
  height: 220px;
  background: rgba(125, 196, 190, 0.35);
  bottom: 10%;
  left: -40px;
  animation-delay: -4s;
}

.hero-blob-c {
  width: 160px;
  height: 160px;
  background: rgba(10, 92, 99, 0.12);
  top: 40%;
  right: 35%;
  animation-delay: -7s;
}

.hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(10, 92, 99, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10, 92, 99, 0.035) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 70% 60% at 70% 40%, #000 20%, transparent 75%);
  opacity: 0.7;
}

.hero-grid {
  position: relative;
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

.brand-lockup {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 5vw, 2.35rem);
  font-weight: 700;
  letter-spacing: 0.02em;
  margin: 0 0 1rem;
  color: var(--accent-deep);
}

.brand-lockup span {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.55em;
  color: var(--ink-muted);
  letter-spacing: 0;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 4.2vw, 2.05rem);
  font-weight: 600;
  line-height: 1.22;
  margin: 0 0 1rem;
  max-width: 16ch;
}

.hero-sub {
  margin: 0 0 1.35rem;
  color: var(--ink-soft);
  font-size: 1.05rem;
  max-width: 38ch;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
}

.hero-trust {
  list-style: none;
  margin: 1.15rem 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
}

.hero-trust li {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--accent-deep);
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(10, 92, 99, 0.14);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  backdrop-filter: blur(6px);
}

.hero-note {
  margin: 0.85rem 0 0;
  font-size: 0.82rem;
  color: var(--ink-muted);
}

.hero-visual {
  display: grid;
  place-items: center;
  min-height: 280px;
}

.scope-orb {
  position: relative;
  width: min(100%, 340px);
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  transform: translate3d(var(--px, 0), var(--py, 0), 0);
  transition: transform 0.35s var(--ease);
}

.scope-glow {
  position: absolute;
  inset: 18%;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26, 127, 136, 0.35), transparent 70%);
  filter: blur(18px);
  animation: glow-pulse 4.5s ease-in-out infinite;
}

.scope-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(10, 92, 99, 0.22);
}

.scope-ring-1 {
  inset: 8%;
  animation: pulse-ring 5s var(--ease) infinite;
}

.scope-ring-2 {
  inset: 22%;
  border-style: dashed;
  animation: spin-slow 28s linear infinite;
}

.scope-ring-3 {
  inset: 0;
  border-color: rgba(10, 92, 99, 0.1);
  animation: pulse-ring 7s var(--ease) infinite reverse;
}

.scope-core {
  width: 42%;
  aspect-ratio: 1;
  border-radius: 50%;
  background: linear-gradient(160deg, #2a9aa3 0%, var(--accent-mid) 40%, var(--accent-deep) 100%);
  color: #fff;
  display: grid;
  place-content: center;
  text-align: center;
  box-shadow:
    0 18px 40px rgba(10, 92, 99, 0.28),
    inset 0 1px 0 rgba(255, 255, 255, 0.25);
  position: relative;
  z-index: 2;
}

.scope-core strong {
  font-family: var(--font-display);
  font-size: 1.8rem;
  line-height: 1;
}

.scope-label {
  font-size: 0.7rem;
  opacity: 0.85;
  text-transform: lowercase;
}

.scope-chip {
  position: absolute;
  z-index: 3;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.4rem 0.8rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--accent-deep);
  box-shadow: 0 10px 24px rgba(20, 34, 38, 0.08);
  backdrop-filter: blur(8px);
  animation: chip-float 5.5s ease-in-out infinite;
}

.scope-chip-1 {
  top: 12%;
  right: 4%;
}

.scope-chip-2 {
  bottom: 22%;
  left: 0;
  animation-delay: -1.5s;
}

.scope-chip-3 {
  bottom: 8%;
  right: 12%;
  animation-delay: -3s;
}

.scope-chip-4 {
  top: 28%;
  left: 2%;
  animation-delay: -2.2s;
}

@keyframes pulse-ring {
  0%,
  100% {
    transform: scale(1);
    opacity: 1;
  }
  50% {
    transform: scale(1.03);
    opacity: 0.7;
  }
}

@keyframes spin-slow {
  to {
    transform: rotate(360deg);
  }
}

@keyframes blob-float {
  0%,
  100% {
    transform: translate(0, 0) scale(1);
  }
  50% {
    transform: translate(18px, -14px) scale(1.06);
  }
}

@keyframes glow-pulse {
  0%,
  100% {
    opacity: 0.55;
    transform: scale(1);
  }
  50% {
    opacity: 0.9;
    transform: scale(1.08);
  }
}

@keyframes chip-float {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-7px);
  }
}

/* Sections */
.section {
  padding: 3.25rem 0;
}

.section-muted {
  background: var(--bg-muted);
}

.section-head {
  margin-bottom: 1.75rem;
  max-width: 52ch;
}

.section-head.compact {
  margin-bottom: 1.1rem;
}

.section-head h2 {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 3vw, 1.55rem);
  font-weight: 600;
  margin: 0 0 0.5rem;
  letter-spacing: -0.01em;
}

.section-head p {
  margin: 0;
  color: var(--ink-soft);
}

.section-actions {
  margin-top: 1.5rem;
}

/* Category grid */
.cat-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.cat-card {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  padding: 1.05rem;
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-decoration: none;
  color: inherit;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s, background 0.3s;
  min-height: 142px;
  position: relative;
  overflow: hidden;
}

.cat-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(180deg, var(--accent-mid), var(--accent-deep));
  opacity: 0;
  transition: opacity 0.25s;
}

.cat-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 36px rgba(10, 92, 99, 0.14);
  border-color: rgba(10, 92, 99, 0.28);
  color: inherit;
  background: linear-gradient(180deg, #fff 0%, #f7fbfb 100%);
}

.cat-card:hover::before {
  opacity: 1;
}

.cat-card:hover .cat-icon {
  transform: scale(1.08) rotate(-4deg);
  background: linear-gradient(145deg, #c9e8ea, var(--accent-soft));
}

.cat-card:hover .cat-go {
  opacity: 1;
  transform: translateX(0);
}

.cat-card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 0.5rem;
}

.cat-icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: var(--accent-soft);
  color: var(--accent-deep);
  display: grid;
  place-items: center;
  transition: transform 0.3s var(--ease), background 0.3s;
}

.cat-icon svg {
  width: 28px;
  height: 28px;
}

.cat-icon svg [stroke] {
  stroke-width: 2.25;
}

.cat-badge {
  font-size: 0.68rem;
  font-weight: 700;
  padding: 0.25rem 0.5rem;
  border-radius: 999px;
  background: var(--bg-muted);
  color: var(--accent-deep);
  white-space: nowrap;
}

.cat-card h3 {
  margin: 0;
  font-size: 0.98rem;
}

.cat-card p {
  margin: 0;
  font-size: 0.82rem;
  color: var(--ink-muted);
}

.cat-go {
  margin-top: auto;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--accent);
  opacity: 0;
  transform: translateX(-6px);
  transition: opacity 0.25s, transform 0.25s var(--ease);
}

/* Picks carousel */
.picks-track-wrap {
  position: relative;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 0.5rem;
  align-items: center;
}

.picks-track {
  display: flex;
  gap: 0.85rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  padding: 0.35rem 0.15rem 0.85rem;
  scrollbar-width: thin;
}

.pick-card {
  flex: 0 0 min(78vw, 260px);
  scroll-snap-align: start;
  background: linear-gradient(165deg, #ffffff 0%, #f4faf9 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  min-height: 188px;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
}

.pick-glow {
  position: absolute;
  width: 140px;
  height: 140px;
  right: -40px;
  top: -50px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26, 127, 136, 0.18), transparent 70%);
  pointer-events: none;
}

.pick-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 34px rgba(10, 92, 99, 0.12);
  border-color: rgba(10, 92, 99, 0.28);
}

.pick-card h3 {
  margin: 0;
  font-size: 1.05rem;
  position: relative;
}

.pick-metric {
  font-family: var(--font-display);
  font-size: 1.65rem;
  color: var(--accent);
  font-weight: 600;
  line-height: 1.1;
  position: relative;
}

.pick-metric-label {
  font-size: 0.82rem;
  color: var(--ink-muted);
  margin-bottom: auto;
  position: relative;
}

.picks-nav {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  cursor: pointer;
  font-size: 1.4rem;
  line-height: 1;
  color: var(--ink);
}

.picks-nav:hover {
  border-color: var(--accent);
  color: var(--accent);
}

/* Market */
.market-tabs,
.calc-tabs,
.offer-tabs {
  display: flex;
  gap: 0.45rem;
  overflow-x: auto;
  padding-bottom: 0.35rem;
  margin-bottom: 1rem;
  scrollbar-width: thin;
}

.market-tab,
.calc-tab,
.offer-tab {
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  color: var(--ink-soft);
  border-radius: 999px;
  padding: 0.55rem 0.95rem;
  white-space: nowrap;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.88rem;
}

.market-tab.is-active,
.calc-tab.is-active,
.offer-tab.is-active {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}

.market-panel {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
}

.market-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin-bottom: 1rem;
  font-size: 0.82rem;
  color: var(--ink-muted);
}

.market-subtabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-bottom: 1rem;
}

.market-subtab {
  border: none;
  background: var(--bg-muted);
  color: var(--ink-soft);
  border-radius: 8px;
  padding: 0.4rem 0.7rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.82rem;
}

.market-subtab.is-active {
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.market-list {
  display: grid;
  gap: 0.55rem;
}

.market-row {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 0.75rem;
  align-items: center;
  padding: 0.75rem 0.85rem;
  border-radius: var(--radius-sm);
  background: var(--bg);
  border: 1px solid transparent;
}

.market-bank {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  min-width: 0;
}

.market-logo {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--logo-bg, var(--accent));
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 0.68rem;
  font-weight: 800;
  flex-shrink: 0;
  overflow: hidden;
}

.market-logo--img {
  background: #fff;
  box-shadow: inset 0 0 0 1px rgba(15, 23, 42, 0.08);
}

.market-logo-img {
  width: 28px;
  height: 28px;
  object-fit: contain;
  display: block;
}

.market-logo--img.is-fallback {
  background: var(--logo-bg, var(--accent));
  color: #fff;
}

.market-bank-name {
  font-weight: 600;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.market-row:hover {
  border-color: var(--line);
}

.market-row strong {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--accent);
}

.market-row a {
  font-weight: 700;
  text-decoration: none;
  font-size: 0.85rem;
}

/* Offers */
.insurance-subs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-bottom: 1rem;
}

.sub-chip {
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--ink-soft);
}

.sub-chip.is-active {
  background: var(--accent-soft);
  border-color: transparent;
  color: var(--accent-deep);
}

.mfo-warning {
  background: var(--warn-bg);
  color: var(--warn);
  border-radius: var(--radius-sm);
  padding: 0.9rem 1rem;
  margin-bottom: 1rem;
  font-size: 0.9rem;
}

.offers-grid {
  display: grid;
  gap: 0.9rem;
}

.offer-card {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
  display: grid;
  gap: 0.9rem;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
}

.offer-compare {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  z-index: 2;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.25rem 0.55rem;
}

.offer-card::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent-mid), transparent 70%);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s var(--ease);
}

.offer-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(10, 92, 99, 0.12);
  border-color: rgba(10, 92, 99, 0.28);
}

.offer-card:hover::after {
  transform: scaleX(1);
}

.offer-top {
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
}

.offer-logo {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--logo-bg, #0a5c63);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.72rem;
  flex-shrink: 0;
  position: relative;
  overflow: hidden;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.18);
}

.offer-logo--img {
  background: #fff;
  box-shadow: inset 0 0 0 1px rgba(15, 23, 42, 0.08);
  color: #111;
  padding: 6px;
}

html[data-theme="dark"] .offer-logo--img {
  background: #f8fafc;
}

.offer-logo-img {
  width: 40px;
  height: 40px;
  object-fit: contain;
  display: block;
  border-radius: 8px;
}

.offer-logo-fallback {
  display: none;
  font-size: 0.9rem;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.offer-logo--img.is-fallback {
  background: var(--logo-bg, #0a5c63);
  color: #fff;
}

.offer-logo--img.is-fallback .offer-logo-fallback {
  display: block;
}

.offer-logo-icon {
  display: grid;
  place-items: center;
  opacity: 0.95;
}

.offer-logo-icon svg {
  width: 26px;
  height: 26px;
}

.offer-logo-letters {
  position: absolute;
  right: 4px;
  bottom: 3px;
  font-size: 0.58rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  opacity: 0.9;
  line-height: 1;
}

.offer-logo--img .offer-logo-letters {
  display: none;
}

.offer-more-wrap {
  grid-column: 1 / -1;
  display: flex;
  justify-content: center;
  margin-top: 0.5rem;
}

.offer-count-note {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin: 0 0 0.75rem;
}

.offer-title-wrap {
  flex: 1;
  min-width: 0;
}

.offer-title-wrap h3 {
  margin: 0 0 0.2rem;
  font-size: 1.02rem;
}

.offer-partner {
  margin: 0;
  font-size: 0.8rem;
  color: var(--ink-muted);
}

.offer-badge {
  display: inline-block;
  margin-top: 0.4rem;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 0.22rem 0.55rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.offer-params {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.55rem;
}

.offer-param {
  background: var(--bg);
  border-radius: 10px;
  padding: 0.55rem 0.65rem;
}

.offer-param span {
  display: block;
  font-size: 0.72rem;
  color: var(--ink-muted);
}

.offer-param strong {
  font-size: 0.92rem;
}

.offer-usp {
  margin: 0;
  font-size: 0.9rem;
  color: var(--ink-soft);
}

.offer-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  align-items: center;
}

.offer-details {
  margin: 0;
  font-size: 0.85rem;
  color: var(--ink-muted);
  border-top: 1px solid var(--line);
  padding-top: 0.75rem;
}

.demo-note {
  margin: 1rem 0 0;
  font-size: 0.8rem;
  color: var(--ink-muted);
}

/* Calculators */
.calc-layout {
  display: grid;
  gap: 1rem;
}

.calc-form,
.calc-result {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
}

.calc-fields {
  display: grid;
  gap: 0.85rem;
  margin-bottom: 1rem;
}

.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.35rem;
}

.field input {
  width: 100%;
  padding: 0.75rem 0.9rem;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--bg);
}

.field input:focus {
  border-color: var(--accent-mid);
  outline: none;
  box-shadow: 0 0 0 3px rgba(26, 127, 136, 0.15);
}

.calc-result-label {
  margin: 0;
  font-size: 0.85rem;
  color: var(--ink-muted);
}

.calc-result-value {
  margin: 0.35rem 0;
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 4vw, 2rem);
  color: var(--accent-deep);
  font-weight: 600;
}

.calc-result-hint {
  margin: 0 0 1rem;
  color: var(--ink-soft);
  font-size: 0.9rem;
}

/* FX + services */
.dual-block {
  display: grid;
  gap: 2rem;
}

.fx-widget {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
}

.fx-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--line);
}

.fx-row:last-of-type {
  border-bottom: none;
}

.fx-code {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1rem;
}

.fx-value {
  font-weight: 700;
  font-size: 1.1rem;
}

.fx-change.up {
  color: #1a7a4c;
}

.fx-change.down {
  color: #a33b2d;
}

.fx-updated {
  margin: 0.5rem 0 0.85rem;
  font-size: 0.78rem;
  color: var(--ink-muted);
}

.fx-stub {
  margin-top: 0.75rem;
  font-size: 0.85rem;
  color: var(--ink-muted);
}

.services-grid {
  display: grid;
  gap: 0.75rem;
}

.service-card {
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-rows: auto auto auto;
  column-gap: 0.75rem;
  text-decoration: none;
  color: inherit;
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem;
  transition: transform 0.2s var(--ease), box-shadow 0.2s, border-color 0.2s;
}

.service-ico {
  grid-row: 1 / span 3;
  align-self: start;
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.service-ico svg {
  width: 20px;
  height: 20px;
}

.service-card h3 {
  margin: 0 0 0.35rem;
  font-size: 0.98rem;
  grid-column: 2;
}

.service-card p {
  margin: 0 0 0.55rem;
  font-size: 0.85rem;
  color: var(--ink-muted);
  grid-column: 2;
}

.service-card > span:last-child {
  font-weight: 700;
  grid-column: 2;
}

.service-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: rgba(10, 92, 99, 0.3);
  color: inherit;
}

.service-card span {
  font-weight: 700;
  color: var(--accent);
  font-size: 0.85rem;
}

/* Why */
.why-grid {
  display: grid;
  gap: 0.85rem;
}

.why-item {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem;
}

.why-item h3 {
  margin: 0 0 0.4rem;
  font-size: 1rem;
}

.why-item p {
  margin: 0;
  color: var(--ink-soft);
  font-size: 0.92rem;
}

.counters {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  margin: 1.5rem 0 0.5rem;
}

.counter {
  text-align: center;
  padding: 1.15rem 0.5rem;
  background: linear-gradient(165deg, #e4f3f4, var(--accent-soft));
  border-radius: var(--radius);
  border: 1px solid rgba(10, 92, 99, 0.08);
  transition: transform 0.25s var(--ease), box-shadow 0.25s;
}

html[data-theme="dark"] .counter {
  background: linear-gradient(165deg, #1a2a2e, #152226);
  border-color: rgba(94, 200, 210, 0.12);
}

html[data-theme="dark"] .counter strong {
  color: var(--accent);
}

.counter:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(10, 92, 99, 0.1);
}

.counter strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.45rem;
  color: var(--accent-deep);
}

.counter span {
  font-size: 0.78rem;
  color: var(--ink-soft);
}

.safety {
  margin-top: 1.5rem;
  padding: 1.15rem;
  border-radius: var(--radius);
  background: var(--bg-elevated);
  border: 1px solid var(--line);
}

.safety h3 {
  margin: 0 0 0.6rem;
  font-family: var(--font-display);
  font-size: 1.05rem;
}

.safety ul {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--ink-soft);
}

.safety li {
  margin-bottom: 0.35rem;
}

/* Journal */
.journal-grid {
  display: grid;
  gap: 0.85rem;
}

.journal-card {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem;
  text-decoration: none;
  color: inherit;
  display: block;
  transition: transform 0.2s var(--ease), box-shadow 0.2s;
}

.journal-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  color: inherit;
}

.journal-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 0.45rem;
}

.journal-card h3 {
  margin: 0 0 0.45rem;
  font-size: 1rem;
  line-height: 1.35;
}

.journal-read {
  font-size: 0.8rem;
  color: var(--ink-muted);
}

/* FAQ */
.faq-list {
  display: grid;
  gap: 0.55rem;
}

.faq-item {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 1rem 1.1rem;
  font-weight: 700;
  position: relative;
  padding-right: 2.5rem;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--accent);
  font-size: 1.2rem;
}

.faq-item[open] summary::after {
  content: "–";
}

.faq-item p {
  margin: 0;
  padding: 0 1.1rem 1rem;
  color: var(--ink-soft);
  font-size: 0.94rem;
}

/* Final CTA */
.final-cta {
  position: relative;
  padding: 4rem 0;
  background: linear-gradient(145deg, #05383d 0%, var(--accent-deep) 45%, var(--accent) 100%);
  color: #eef7f7;
  text-align: center;
  overflow: hidden;
}

.final-cta-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 70% at 85% 20%, rgba(127, 208, 214, 0.28), transparent 55%),
    radial-gradient(ellipse 40% 50% at 10% 90%, rgba(255, 255, 255, 0.08), transparent 50%);
  pointer-events: none;
}

.final-cta .container {
  position: relative;
}

.final-eyebrow {
  display: inline-block;
  margin: 0 0 0.75rem;
  padding: 0.3rem 0.75rem;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
}

.final-cta h2 {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 3vw, 1.85rem);
  margin: 0 0 0.5rem;
}

.final-cta p {
  margin: 0 0 1.35rem;
  opacity: 0.9;
  max-width: 42ch;
  margin-inline: auto;
}

.final-cta .hero-cta {
  justify-content: center;
}

/* Footer */
.site-footer {
  background: #102226;
  color: #c5d2d4;
  padding: 3rem 0 6.5rem;
}

.footer-grid {
  display: grid;
  gap: 2rem;
}

.footer-brand .logo {
  color: #fff;
  margin-bottom: 0.75rem;
}

.footer-brand p {
  margin: 0 0 0.5rem;
  font-size: 0.9rem;
}

.footer-age {
  display: inline-block;
  margin-top: 0.5rem !important;
  padding: 0.2rem 0.55rem;
  border: 1px solid rgba(197, 210, 212, 0.35);
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.8rem !important;
}

.site-footer h3 {
  margin: 0 0 0.75rem;
  color: #fff;
  font-size: 0.92rem;
}

.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.4rem;
}

.footer-links a {
  color: #c5d2d4;
  text-decoration: none;
  font-size: 0.88rem;
}

.footer-links a:hover {
  color: #fff;
}

.footer-links span {
  font-size: 0.88rem;
}

.footer-legal {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(197, 210, 212, 0.15);
  font-size: 0.78rem;
  line-height: 1.55;
  color: #8fa0a4;
}

.footer-legal p {
  margin: 0 0 0.75rem;
}

.footer-legal a {
  color: #b7c9cc;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.legal-block {
  font-size: 0.98rem;
  line-height: 1.65;
  color: var(--text-muted, #4a5c60);
}

.legal-block p {
  margin: 0 0 0.9rem;
}

.legal-block a {
  color: var(--accent, #0a5c63);
}

/* Mobile sticky CTA */
.mobile-sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 90;
  padding: 0.75rem 1rem calc(0.75rem + env(safe-area-inset-bottom));
  background: rgba(245, 247, 246, 0.94);
  backdrop-filter: blur(10px);
  border-top: 1px solid var(--line);
  display: grid;
}

.mobile-sticky-cta .btn {
  width: 100%;
}

.mobile-sticky-cta.is-hidden {
  transform: translateY(110%);
  pointer-events: none;
  transition: transform 0.3s var(--ease);
}

/* Modal */
.modal[hidden] {
  display: none !important;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: grid;
  place-items: center;
  padding: 1rem;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(16, 34, 38, 0.45);
}

.modal-card {
  position: relative;
  background: var(--bg-elevated);
  border-radius: var(--radius);
  padding: 1.35rem;
  width: min(100%, 420px);
  box-shadow: var(--shadow-hover);
}

.modal-card h3 {
  margin: 0 0 0.5rem;
  font-family: var(--font-display);
  font-size: 1.1rem;
}

.modal-card p {
  margin: 0 0 1rem;
  color: var(--ink-soft);
}

/* Reveal motion */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease);
  transition-delay: calc(var(--d, 0) * 70ms);
}

.reveal.is-visible {
  opacity: 1;
  transform: none;
}

.logo-mark {
  transition: transform 0.35s var(--ease);
}

.logo:hover .logo-mark {
  transform: scale(1.04);
}

.market-tab,
.calc-tab,
.offer-tab {
  white-space: nowrap;
  flex-shrink: 0;
}

.market-tab:hover,
.calc-tab:hover,
.offer-tab:hover {
  transform: translateY(-1px);
}

.service-card,
.journal-card,
.why-item {
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s;
}

.mega-panel {
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
}

.mega-link {
  transition: background 0.2s, color 0.2s, transform 0.2s;
}

.mega-link:hover {
  transform: translateX(3px);
}

.mega-link:hover .mega-ico {
  background: var(--accent-soft);
  transform: scale(1.05);
}

.mega-ico {
  transition: transform 0.25s var(--ease), background 0.25s;
}

.mobile-sticky-cta {
  transition: transform 0.35s var(--ease);
}

.mobile-sticky-cta .btn {
  animation: soft-pulse 2.8s ease-in-out infinite;
}

@keyframes soft-pulse {
  0%,
  100% {
    box-shadow: 0 8px 22px rgba(10, 92, 99, 0.22);
  }
  50% {
    box-shadow: 0 10px 28px rgba(10, 92, 99, 0.38);
  }
}

.section-head h2 {
  position: relative;
}

.section-muted {
  position: relative;
}

.section-muted::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 40% at 0% 0%, rgba(26, 127, 136, 0.06), transparent 60%),
    radial-gradient(ellipse 40% 35% at 100% 100%, rgba(10, 92, 99, 0.05), transparent 55%);
  pointer-events: none;
}

/* Login button hide on very small if needed — keep visible */
.login-btn {
  display: none;
}

/* Desktop */
@media (min-width: 768px) {
  .login-btn {
    display: inline-flex;
  }

  .burger {
    display: none;
  }

  .nav-desktop {
    display: flex;
  }

  .nav-extra {
    display: inline-flex;
    align-items: center;
  }

  .hero {
    padding: 4rem 0 4.5rem;
  }

  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 2rem;
  }

  .cat-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .pick-card {
    flex-basis: 240px;
  }

  .offers-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calc-layout {
    grid-template-columns: 1.1fr 0.9fr;
    align-items: start;
  }

  .dual-block {
    grid-template-columns: 0.85fr 1.15fr;
    align-items: start;
  }

  .why-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .journal-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .footer-grid {
    grid-template-columns: 1.3fr 1fr 1fr 1fr;
  }

  .mobile-sticky-cta {
    display: none;
  }

  .site-footer {
    padding-bottom: 3rem;
  }

  .offer-params {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .cat-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .cat-grid .cat-card:nth-child(11) {
    grid-column: span 2;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .scope-ring-1,
  .scope-ring-2,
  .scope-ring-3,
  .scope-glow,
  .scope-chip,
  .hero-blob,
  .btn-glow::after,
  .mobile-sticky-cta .btn,
  .cat-card,
  .service-card,
  .journal-card {
    animation: none !important;
    transition: none !important;
  }

  .scope-orb {
    transform: none !important;
  }
}

/* ——— Features: quiz, compare, reviews, theme ——— */
.theme-toggle {
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  border-radius: 12px;
  color: var(--ink);
  cursor: pointer;
  display: grid;
  place-items: center;
  font-size: 1rem;
}

.theme-toggle:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.quiz-card {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 1.25rem;
  box-shadow: var(--shadow);
}

.quiz-progress {
  height: 4px;
  background: var(--bg-muted);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 1rem;
}

.quiz-progress span {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--accent-mid), var(--accent));
  transition: width 0.35s var(--ease);
}

.quiz-steps {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  margin-bottom: 1.1rem;
}

.quiz-steps span {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--ink-muted);
  padding: 0.3rem 0.65rem;
  border-radius: 999px;
  background: var(--bg-muted);
}

.quiz-steps .is-active {
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.quiz-steps .is-done {
  color: var(--accent);
}

.quiz-goals {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 0.65rem;
}

.quiz-goal {
  text-align: left;
  border: 1px solid var(--line);
  background: var(--bg);
  border-radius: 12px;
  padding: 0.85rem;
  cursor: pointer;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.15rem 0.65rem;
  transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s;
}

.quiz-goal-ico {
  grid-row: 1 / span 2;
  align-self: center;
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.quiz-goal-ico svg {
  width: 20px;
  height: 20px;
}

.quiz-goal strong {
  font-size: 0.92rem;
}

.quiz-goal span:not(.quiz-goal-ico) {
  font-size: 0.78rem;
  color: var(--ink-muted);
}

.quiz-goal:hover,
.quiz-goal.is-active {
  border-color: var(--accent);
  box-shadow: 0 8px 20px rgba(10, 92, 99, 0.1);
  transform: translateY(-2px);
}

.quiz-chips,
.recent-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: 0.75rem;
}

.chip-btn {
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  border-radius: 999px;
  padding: 0.4rem 0.75rem;
  font-weight: 600;
  font-size: 0.82rem;
  cursor: pointer;
  color: var(--ink-soft);
}

.chip-btn:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.quiz-nav {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  margin-top: 1.15rem;
}

.quiz-result-lead {
  margin: 0 0 0.85rem;
  color: var(--ink-soft);
}

.quiz-results {
  display: grid;
  gap: 0.65rem;
  margin-bottom: 1rem;
}

.quiz-result-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.85rem;
  background: var(--bg);
  display: grid;
  gap: 0.45rem;
}

.quiz-result-card > div,
.quiz-result-head {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 0.65rem;
  flex-wrap: wrap;
}

.quiz-result-ico {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
  flex-shrink: 0;
}

.quiz-result-ico svg {
  width: 18px;
  height: 18px;
}

.quiz-result-head > div {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.45rem;
  justify-content: space-between;
  flex: 1;
  min-width: 0;
}

.quiz-result-card span {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--accent);
  background: var(--accent-soft);
  padding: 0.2rem 0.5rem;
  border-radius: 999px;
}

.quiz-result-card p {
  margin: 0;
  font-size: 0.85rem;
  color: var(--ink-muted);
}

.quiz-body .field select,
.quiz-body .field input {
  width: 100%;
  padding: 0.75rem 0.9rem;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--bg);
  color: var(--ink);
}

#recent-block:not([hidden]) {
  padding: 1.25rem 0 0;
}

.recent-inner {
  width: min(100% - 2rem, var(--container));
  margin-inline: auto;
  padding: 0.75rem 1rem;
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: 14px;
}

html[data-theme="dark"] .recent-inner {
  background: #152226;
}

.recent-inner h3 {
  margin: 0 0 0.55rem;
  font-size: 0.95rem;
}

.offer-compare {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--ink-muted);
  cursor: pointer;
}

.offers-toolbar {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.85rem;
  font-size: 0.82rem;
  color: var(--ink-muted);
}

.live-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin: 0;
  font-weight: 600;
}

.live-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #1a9a5a;
  box-shadow: 0 0 0 0 rgba(26, 154, 90, 0.5);
  animation: live-ping 1.8s ease-out infinite;
}

@keyframes live-ping {
  0% {
    box-shadow: 0 0 0 0 rgba(26, 154, 90, 0.45);
  }
  70% {
    box-shadow: 0 0 0 8px rgba(26, 154, 90, 0);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(26, 154, 90, 0);
  }
}

.offers-skeleton {
  display: grid;
  gap: 0.9rem;
  margin-bottom: 0.9rem;
}

.offers-skeleton[hidden] {
  display: none !important;
}

.skel-card {
  height: 180px;
  border-radius: var(--radius);
  background: linear-gradient(90deg, var(--bg-muted) 25%, #e7eeed 40%, var(--bg-muted) 60%);
  background-size: 200% 100%;
  animation: skel 1.2s ease-in-out infinite;
}

html[data-theme="dark"] .skel-card {
  background: linear-gradient(90deg, #1a2428 25%, #2a363b 40%, #1a2428 60%);
  background-size: 200% 100%;
}

@keyframes skel {
  to {
    background-position: -200% 0;
  }
}

@media (min-width: 768px) {
  .offers-skeleton {
    grid-template-columns: repeat(2, 1fr);
  }
}

.compare-bar {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 95;
  background: rgba(255, 255, 255, 0.96);
  border-top: 1px solid var(--line);
  box-shadow: 0 -8px 28px rgba(20, 34, 38, 0.1);
  padding: 0.75rem 0 calc(0.75rem + env(safe-area-inset-bottom));
}

.compare-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.compare-bar-actions {
  display: flex;
  gap: 0.45rem;
}

.modal-card-wide {
  width: min(100%, 920px);
  max-height: min(88vh, 820px);
  overflow: auto;
}

.modal-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1rem;
}

.modal-head h3 {
  margin: 0.25rem 0 0;
  font-family: var(--font-display);
  font-size: 1.15rem;
}

.compare-table-wrap {
  overflow-x: auto;
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}

.compare-table th,
.compare-table td {
  border: 1px solid var(--line);
  padding: 0.65rem 0.75rem;
  text-align: left;
  vertical-align: top;
}

.compare-table thead th {
  background: var(--bg-muted);
}

.article-body p {
  margin: 0 0 0.85rem;
  color: var(--ink-soft);
  line-height: 1.6;
}

.reviews-grid {
  display: grid;
  gap: 0.85rem;
}

@media (min-width: 768px) {
  .reviews-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.review-card {
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem;
}

.review-top {
  display: flex;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.5rem;
  font-size: 0.85rem;
}

.review-top span {
  color: var(--ink-muted);
}

.review-card p {
  margin: 0 0 0.7rem;
  font-size: 0.92rem;
  color: var(--ink-soft);
}

.review-tag {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--accent-deep);
  background: var(--accent-soft);
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
}

.mfo-calc-mini {
  margin-top: 0.85rem;
  padding-top: 0.75rem;
  border-top: 1px solid rgba(138, 90, 18, 0.2);
}

.mfo-calc-mini > p {
  margin: 0 0 0.55rem;
}

.mfo-calc-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  align-items: end;
}

.mfo-calc-row label {
  display: grid;
  gap: 0.25rem;
  font-size: 0.78rem;
  font-weight: 700;
}

.mfo-calc-row input {
  width: 110px;
  padding: 0.45rem 0.55rem;
  border-radius: 8px;
  border: 1px solid rgba(138, 90, 18, 0.3);
  background: #fff;
}

.mfo-calc-out {
  margin: 0.65rem 0 0;
  font-size: 0.88rem;
}

.mobile-sticky-cta {
  display: grid;
  gap: 0.45rem;
}

.mobile-sticky-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--ink-muted);
  font-weight: 600;
}

@media (min-width: 768px) {
  .mobile-sticky-cta {
    display: none;
  }

  .compare-bar {
    bottom: 0;
  }
}

@media (max-width: 767px) {
  .compare-bar {
    bottom: 72px;
  }
}

/* Dark theme */
html[data-theme="dark"] {
  --bg: #0f1719;
  --bg-elevated: #172226;
  --bg-muted: #1c2a2e;
  --ink: #e8f1f2;
  --ink-soft: #b7c6ca;
  --ink-muted: #87979c;
  --line: #2c3d42;
  --line-strong: #3d5258;
  --accent: #2bb3bc;
  --accent-deep: #7fd0d6;
  --accent-soft: #1a3338;
  --accent-mid: #3ec4cc;
  --warn: #e2b56a;
  --warn-bg: #2a2418;
  color-scheme: dark;
}

html[data-theme="dark"] body {
  background: var(--bg);
  color: var(--ink);
}

html[data-theme="dark"] .site-header {
  background: rgba(15, 23, 25, 0.9);
}

html[data-theme="dark"] .site-header.is-scrolled,
html[data-theme="dark"] .site-header:has(.nav-item.is-open) {
  background: #132024;
}

html[data-theme="dark"] .mega-panel,
html[data-theme="dark"] .compare-bar,
html[data-theme="dark"] .mobile-sticky-cta {
  background: #172226;
}

html[data-theme="dark"] .hero-bg {
  background:
    radial-gradient(ellipse 70% 55% at 88% 18%, rgba(43, 179, 188, 0.16), transparent 58%),
    linear-gradient(165deg, #101c1f 0%, #0f1719 70%);
}

html[data-theme="dark"] .btn-secondary {
  background: var(--bg-muted);
}

html[data-theme="dark"] .scope-chip,
html[data-theme="dark"] .hero-trust li {
  background: rgba(23, 34, 38, 0.92);
}

html[data-theme="dark"] .mfo-calc-row input {
  background: var(--bg-elevated);
  color: var(--ink);
  border-color: var(--line);
}

html[data-theme="dark"] .offer-compare {
  background: rgba(23, 34, 38, 0.95);
}

/* ——— Article pages (/journal/*.html) ——— */
.article-page .article-header {
  position: sticky;
  top: 0;
}

.article-nav {
  display: flex;
  gap: 1.25rem;
  align-items: center;
  font-size: 0.92rem;
}

.article-nav a {
  color: var(--ink-muted, #4a5c60);
  text-decoration: none;
}

.article-nav a:hover {
  color: var(--accent, #0a5c63);
}

.article-main {
  padding: 2.5rem 1rem 4rem;
}

.article-crumb {
  font-size: 0.85rem;
  color: var(--ink-muted, #4a5c60);
  margin: 0 0 1.25rem;
}

.article-crumb a {
  color: inherit;
}

.article-head h1 {
  font-family: Unbounded, sans-serif;
  font-size: clamp(1.35rem, 3vw, 2rem);
  line-height: 1.25;
  margin: 0.75rem 0 0.5rem;
}

.article-meta {
  font-size: 0.88rem;
  color: var(--ink-muted, #4a5c60);
  margin: 0 0 1.75rem;
}

.article-body p {
  font-size: 1.05rem;
  line-height: 1.7;
  margin: 0 0 1.15rem;
  color: var(--ink, #1a2b2e);
}

.article-cta {
  margin-top: 2.5rem;
  padding: 1.5rem;
  border-radius: 16px;
  background: var(--bg-muted, #eef3f2);
}

.article-cta p {
  margin: 0 0 1rem;
}

.article-footer {
  margin-top: 2rem;
}

@media (max-width: 720px) {
  .article-nav {
    display: none;
  }
}

/* ===== UX polish 2026-07-24 ===== */
.login-btn { display: none !important; }

.quiz-card {
  background: linear-gradient(180deg, var(--bg-elevated), var(--bg));
  border: 1px solid rgba(10, 92, 99, 0.18);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.12);
  padding: 1.5rem 1.35rem;
}

html[data-theme="dark"] .quiz-card {
  background: linear-gradient(180deg, #1a262a, #121a1d);
  border-color: rgba(94, 200, 210, 0.18);
}

.quiz-goal-ico {
  width: 48px !important;
  height: 48px !important;
  border-radius: 14px;
}

.quiz-goal-ico svg { width: 24px; height: 24px; }
.quiz-goal-ico svg [stroke] { stroke-width: 2.2; }

.chip-btn.is-active {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}

html[data-theme="dark"] .pick-card {
  background: linear-gradient(165deg, #1c292e 0%, #152024 100%);
}

.pick-card .pick-ico {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
  margin-bottom: 0.35rem;
}

.pick-card .pick-ico svg { width: 24px; height: 24px; }
.pick-actions { display: flex; flex-direction: column; gap: 0.45rem; margin-top: auto; position: relative; }
.pick-partner-link { font-size: 0.82rem; font-weight: 700; color: var(--accent); text-decoration: none; }

.services-grid--row {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 0.85rem;
}

.service-ico {
  width: 52px !important;
  height: 52px !important;
  border-radius: 14px;
}

.service-ico svg { width: 26px !important; height: 26px !important; }
.service-ico svg [stroke] { stroke-width: 2.2; }

.why-ico {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.why-item:hover {
  transform: translateY(-3px);
  border-color: rgba(10, 92, 99, 0.35);
  box-shadow: 0 12px 28px rgba(10, 92, 99, 0.1);
}

.reviews-ribbon-wrap {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 0.5rem;
  align-items: center;
}

.reviews-ribbon {
  display: flex;
  gap: 0.85rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  padding: 0.25rem 0.1rem 0.75rem;
  scrollbar-width: thin;
}

.reviews-ribbon .review-card {
  flex: 0 0 min(82vw, 300px);
  scroll-snap-align: start;
  min-height: 180px;
}

.reviews-nav {
  width: 40px;
  height: 40px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--bg-elevated);
  color: var(--ink);
  font-size: 1.4rem;
  cursor: pointer;
}

.review-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--accent-soft);
  flex-shrink: 0;
}

.review-avatar-fallback {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--accent-soft);
  color: var(--accent-deep);
  font-weight: 800;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.review-head {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 0.55rem;
}

.review-head-text { min-width: 0; flex: 1; }
.review-head-text strong { display: block; font-size: 0.92rem; }
.review-head-text span { font-size: 0.78rem; color: var(--ink-muted); }

.fx-widget--wide {
  max-width: 720px;
  margin: 0 auto;
  padding: 1.35rem;
  background: var(--bg-elevated);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.fx-main { display: grid; gap: 0.55rem; margin-bottom: 0.85rem; }
.fx-all { display: grid; gap: 0.55rem; margin: 0.75rem 0; }
.fx-updated { font-size: 0.8rem; color: var(--ink-muted); margin: 0.5rem 0 0; }

.fx-flag {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.72rem;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.calc-tip {
  margin: 0 0 1rem;
  font-size: 0.88rem;
  padding: 0.65rem 0.85rem;
  border-radius: 10px;
  background: var(--accent-soft);
  color: var(--accent-deep);
}

.field-range {
  width: 100%;
  margin-top: 0.45rem;
  accent-color: var(--accent);
}

.calc-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  margin-top: 0.45rem;
}

.calc-presets button {
  border: 1px solid var(--line);
  background: var(--bg);
  border-radius: 999px;
  padding: 0.3rem 0.65rem;
  font-size: 0.78rem;
  cursor: pointer;
  color: var(--ink-soft);
}

.calc-presets button:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.calc-breakdown {
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
  display: grid;
  gap: 0.35rem;
}

.calc-breakdown li {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  font-size: 0.88rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--line);
}

.recent-section { padding-top: 0; }

.footer-contacts-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px;
  padding: 1rem;
}

.footer-contact-note {
  margin: 0.75rem 0 0;
  font-size: 0.78rem;
  color: var(--ink-muted);
  line-height: 1.4;
}

.footer-legal-title {
  margin: 0 0 0.65rem;
  font-size: 1rem;
  color: var(--ink);
}

.market-rate-note {
  font-size: 0.72rem;
  color: var(--ink-muted);
  font-weight: 500;
}

@media (max-width: 720px) {
  .reviews-nav, .picks-nav { display: none; }
  .reviews-ribbon-wrap, .picks-track-wrap { grid-template-columns: 1fr; }
}