/* BE Repaired v4: clean white card-index, Compare surface, no hero */
:root {
  --paper: #ffffff;
  --paper-soft: #f5f6f7;
  --paper-edge: #ececec;
  --ink: #1a1f24;
  --ink-soft: #5b6770;
  --ink-faint: #8a949c;
  --line: #e3e5e8;
  --line-strong: #cdd1d6;
  --forest: #1f5135;
  --forest-soft: #e6efe9;
  --cobalt: #1a3a8a;
  --warn: #b53d2a;
  --range: #0c5e3f;
  --shadow: 0 1px 0 rgba(20, 30, 35, .04), 0 12px 28px -16px rgba(20, 30, 35, .18);
  --shadow-soft: 0 1px 0 rgba(20, 30, 35, .04);
  --display: 'Manrope', 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --body: 'Manrope', 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --shell: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body, h1, h2, h3, h4, p, ul, ol, dl, dd, figure, blockquote { margin: 0; }
ul, ol { padding: 0; list-style: none; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
a { color: inherit; }
body {
  min-width: 320px;
  overflow-x: hidden;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body);
  font-size: 16.5px;
  line-height: 1.6;
  font-feature-settings: 'ss01', 'cv11';
  text-rendering: optimizeLegibility;
}

.shell { width: min(calc(100% - 40px), var(--shell)); margin-inline: auto; }
.skip-link { position: fixed; top: -80px; left: 20px; z-index: 200; background: var(--ink); color: #fff; padding: 12px 16px; }
.skip-link:focus { top: 12px; }
:focus-visible { outline: 3px solid var(--cobalt); outline-offset: 3px; border-radius: 2px; }

.eyebrow {
  display: inline-block;
  font-size: 12px;
  letter-spacing: .18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--ink-soft);
  margin-bottom: 14px;
}
.eyebrow-dark { color: var(--ink); }
.eyebrow-light { color: rgba(255,255,255,.78); }

h1, h2, h3, h4 { font-family: var(--display); font-weight: 700; letter-spacing: -.025em; line-height: 1.08; color: var(--ink); text-wrap: balance; }
h1 { font-size: clamp(2.4rem, 4.4vw, 3.55rem); max-width: 18ch; }
h2 { font-size: clamp(1.95rem, 3.4vw, 2.7rem); max-width: 20ch; }
h3 { font-size: 1.18rem; font-weight: 700; line-height: 1.25; letter-spacing: -.01em; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  font-weight: 700;
  font-size: 14.5px;
  border: 1px solid transparent;
  text-decoration: none;
  letter-spacing: .01em;
  transition: background 140ms ease, color 140ms ease, border-color 140ms ease;
}
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #000; }
.btn-ghost { background: transparent; border-color: var(--line-strong); color: var(--ink); font-variant-numeric: tabular-nums; }
.btn-ghost:hover { border-color: var(--ink); }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: #f1f1f1; }
.btn-ghost-light { background: transparent; border-color: rgba(255,255,255,.4); color: #fff; }
.btn-ghost-light:hover { border-color: #fff; }

.status-strip { background: var(--ink); color: #f1f1f1; font-size: 13px; }
.status-strip__row { display: flex; align-items: center; gap: 10px; min-height: 36px; flex-wrap: wrap; }
.status-strip__dot { width: 8px; height: 8px; border-radius: 50%; background: #4ade80; box-shadow: 0 0 0 4px rgba(74, 222, 128, .18); flex: 0 0 auto; }
.status-strip__sep { color: #6c757a; }

.topbar { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: saturate(180%) blur(6px); }
.topbar__row { display: flex; align-items: center; gap: 24px; min-height: 76px; }
.wordmark { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; min-width: 0; }
.wordmark__mark { width: 40px; height: 40px; display: grid; place-items: center; background: var(--forest); color: #fff; font-weight: 800; font-size: 16px; border-radius: 8px; }
.wordmark__name { display: grid; line-height: 1.05; min-width: 0; }
.wordmark__name strong { font-size: 16.5px; font-weight: 800; letter-spacing: -.01em; }
.wordmark__name small { margin-top: 3px; color: var(--ink-soft); font-size: 11.5px; letter-spacing: .14em; text-transform: uppercase; font-weight: 600; }
.topbar__nav { display: flex; align-items: center; gap: 22px; margin-left: auto; }
.topbar__nav a { color: var(--ink-soft); text-decoration: none; font-size: 14.5px; font-weight: 600; }
.topbar__nav a:hover { color: var(--ink); }
.topbar__actions { display: flex; align-items: center; gap: 10px; }

.rate-band { background: var(--paper-soft); border-bottom: 1px solid var(--line); padding: clamp(56px, 7vw, 92px) 0 clamp(64px, 8vw, 110px); }
.rate-band__row { display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(320px, .85fr); gap: clamp(40px, 7vw, 90px); align-items: start; }
.rate-band__intro p { color: var(--ink-soft); max-width: 56ch; margin-top: 18px; font-size: 17px; }
.rate-band__tile { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: clamp(24px, 3vw, 36px); box-shadow: var(--shadow); }
.rate-band__row-num { display: flex; align-items: baseline; gap: 4px; }
.rate-band__currency { font-family: var(--display); font-size: 30px; font-weight: 700; color: var(--ink-soft); }
.rate-band__num { font-family: var(--display); font-size: clamp(72px, 9vw, 110px); font-weight: 800; letter-spacing: -.07em; line-height: .95; color: var(--ink); }
.rate-band__unit { font-size: 16px; font-weight: 600; color: var(--ink-soft); margin-left: 6px; }
.rate-band__min { display: grid; gap: 4px; margin: 16px 0 18px; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.rate-band__min span { color: var(--ink-soft); font-size: 13.5px; font-weight: 600; }
.rate-band__min strong { color: var(--ink); font-size: 19px; font-weight: 800; }
.rate-band__tile ul { display: grid; gap: 8px; }
.rate-band__tile li { position: relative; padding-left: 22px; color: var(--ink-soft); font-size: 14.5px; }
.rate-band__tile li::before { content: ""; position: absolute; left: 0; top: 9px; width: 12px; height: 2px; background: var(--forest); border-radius: 1px; }

.work { padding: clamp(72px, 9vw, 120px) 0; }
.work-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(260px, 320px); grid-template-areas: "intro rail" "grid rail"; gap: 24px 56px; align-items: start; }
.work-intro { grid-area: intro; max-width: 64ch; }
.work-intro h2 { max-width: 22ch; }
.work-intro__sub { margin-top: 14px; color: var(--ink-soft); font-size: 16.5px; }
.note-rail { grid-area: rail; background: var(--paper-soft); border: 1px solid var(--line); border-radius: 14px; padding: 26px 24px; position: sticky; top: 110px; }
.note-rail__title { font-family: var(--display); font-size: 15px; font-weight: 800; margin-bottom: 12px; }
.note-rail p { color: var(--ink-soft); font-size: 14.5px; margin-top: 10px; }
.note-rail p + p { margin-top: 12px; padding-top: 12px; border-top: 1px dashed var(--line-strong); }

.card-grid { grid-area: grid; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 24px 24px 22px; display: grid; grid-template-rows: auto auto 1fr; gap: 14px; box-shadow: var(--shadow-soft); min-width: 0; transition: border-color 160ms ease, transform 160ms ease; }
.card:hover { border-color: var(--ink); }
.card__head { display: flex; align-items: baseline; gap: 14px; }
.card__num { font-family: var(--mono); font-size: 12px; color: var(--ink-faint); letter-spacing: .12em; }
.card__title { font-size: 17.5px; }
.card__desc { color: var(--ink-soft); font-size: 14.5px; }
.card__data { display: grid; gap: 10px; padding-top: 14px; border-top: 1px solid var(--line); }
.card__data div { display: grid; grid-template-columns: 1fr; gap: 3px; }
.card__data dt { font-size: 11.5px; color: var(--ink-faint); letter-spacing: .12em; text-transform: uppercase; font-weight: 700; }
.card__data dd { color: var(--ink); font-size: 15px; font-weight: 600; }
.card__range { color: var(--range) !important; font-weight: 800 !important; font-size: 17px !important; font-variant-numeric: tabular-nums; }

.trust { background: var(--ink); color: #fff; padding: 30px 0; }
.trust-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.trust-row__cell { display: grid; gap: 4px; padding: 6px 0; }
.trust-row__num { font-family: var(--display); font-size: clamp(1.6rem, 2.4vw, 2.1rem); font-weight: 800; letter-spacing: -.03em; }
.trust-row__lab { color: rgba(255,255,255,.7); font-size: 13.5px; }

.how { background: var(--paper-soft); border-block: 1px solid var(--line); padding: clamp(64px, 8vw, 100px) 0; }
.how-intro { max-width: 56ch; margin-bottom: 36px; }
.how-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; }
.how-grid li { padding: 18px 24px 6px 0; border-left: 1px solid var(--line-strong); padding-left: 22px; }
.how-grid li:first-child { border-left: 0; padding-left: 0; }
.how-grid__num { display: block; font-family: var(--mono); font-size: 13px; color: var(--ink-faint); margin-bottom: 14px; }
.how-grid h3 { margin-bottom: 8px; }
.how-grid p { color: var(--ink-soft); font-size: 15px; }

.faq { padding: clamp(64px, 8vw, 100px) 0; }
.faq-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr); gap: 48px; align-items: start; }
.faq-intro { position: sticky; top: 110px; }
.faq-list { display: grid; gap: 0; border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq-list summary { font-family: var(--display); font-size: 17px; font-weight: 700; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; font-size: 22px; color: var(--ink-faint); transition: transform 160ms ease; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list p { margin-top: 14px; color: var(--ink-soft); max-width: 64ch; }

.final { padding: clamp(48px, 7vw, 80px) 0 clamp(60px, 8vw, 100px); }
.final-card { background: var(--ink); color: #fff; border-radius: 20px; padding: clamp(36px, 6vw, 64px); display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(240px, 1fr); gap: 40px; align-items: end; }
.final-card h2 { color: #fff; max-width: 18ch; }
.final-card p { margin-top: 14px; color: rgba(255,255,255,.78); max-width: 56ch; }
.final-card__actions { display: grid; gap: 10px; }
.final-card__actions .btn { width: 100%; }

.site-footer { background: var(--paper-soft); border-top: 1px solid var(--line); padding: 50px 0 24px; color: var(--ink-soft); }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr .7fr; gap: 40px; }
.footer-brand { font-family: var(--display); font-size: 18px; font-weight: 800; color: var(--ink); margin-bottom: 8px; }
.footer-head { font-family: var(--display); font-size: 13.5px; font-weight: 800; color: var(--ink); margin-bottom: 8px; letter-spacing: .04em; }
.footer-grid a, .footer-link { color: var(--cobalt); text-decoration: underline; font-size: 14.5px; background: none; border: 0; padding: 0; }
.footer-link { display: inline-block; }
.footer-grid > div:last-child p { line-height: 1.85; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 44px; padding-top: 22px; border-top: 1px solid var(--line); font-size: 12.5px; color: var(--ink-faint); }

@media (max-width: 1080px) {
  .topbar__nav { display: none; }
  .work-layout { grid-template-columns: 1fr; grid-template-areas: "intro" "rail" "grid"; gap: 28px; }
  .note-rail { position: static; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .how-grid { grid-template-columns: 1fr 1fr; gap: 24px 32px; }
  .how-grid li { border-left: 0; padding: 0; border-top: 1px solid var(--line-strong); padding-top: 22px; }
  .how-grid li:first-child, .how-grid li:nth-child(2) { border-top: 0; padding-top: 0; }
  .faq-layout { grid-template-columns: 1fr; gap: 28px; }
  .faq-intro { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .shell { width: min(calc(100% - 28px), var(--shell)); }
  .topbar__row { min-height: 64px; gap: 10px; }
  .topbar__actions .btn-ghost { display: none; }
  .wordmark__name small { display: none; }
  .rate-band__row { grid-template-columns: 1fr; gap: 28px; }
  .rate-band { padding: 48px 0 56px; }
  .rate-band__num { font-size: 88px; }
  .card-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 1fr 1fr; gap: 22px; }
  .how-grid { grid-template-columns: 1fr; }
  .final-card { grid-template-columns: 1fr; padding: 30px 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid > div:first-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}