:root {
  --ink: #1c1c1e;
  --ink-2: #2a2a2d;
  --graphite: #5b5b62;
  --mist: #a9a9b0;
  --fog: #eeeef0;
  --line: #dcdce0;
  --paper: #ffffff;
  --warm: #f7f4ef;
  --signal: #c0272b;
  --signal-deep: #9e1f22;
  --signal-wash: #f9eaea;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r-field: 6px;
  --r-panel: 14px;
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-font-smoothing: antialiased; scroll-behavior: smooth; scroll-padding-top: 80px; }
body { margin: 0; font-family: var(--sans); font-size: 1.0625rem; line-height: 1.6; color: var(--ink); background: var(--paper); }
img { max-width: 100%; display: block; }
a { color: inherit; }
:focus-visible { outline: 2px solid var(--signal); outline-offset: 3px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { animation: none !important; transition: none !important; } }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.serif { font-family: var(--serif); }
.muted { color: var(--graphite); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border-radius: var(--r-field); padding: 13px 22px; font-weight: 600; text-decoration: none; border: 1px solid transparent; cursor: pointer; font-size: 1rem; white-space: nowrap; }
.btn-red { background: var(--signal); color: #fff; }
.btn-red:hover { background: var(--signal-deep); }
.btn-ink { background: var(--ink); color: #fff; }
.btn-ink:hover { background: var(--signal); }
.btn-ghost { border-color: rgba(255,255,255,.28); color: #fff; }
.btn-ghost:hover { border-color: #fff; }
.btn-line { border-color: var(--line); }
.btn-line:hover { border-color: var(--ink); }

/* Nav */
.nav { position: sticky; top: 0; z-index: 20; background: rgba(28,28,30,.92); backdrop-filter: saturate(1.4) blur(10px); color: #fff; border-bottom: 1px solid rgba(255,255,255,.08); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.nav-links { display: flex; gap: 28px; font-size: .95rem; }
.nav-links a { text-decoration: none; color: rgba(255,255,255,.78); }
.nav-links a:hover { color: #fff; }
.nav-cta { display: flex; align-items: center; gap: 8px; }
.nav-cta .login { text-decoration: none; font-weight: 500; padding: 8px 12px; color: rgba(255,255,255,.85); }
.nav-cta .login:hover { color: #fff; }
.nav-cta .btn { padding: 9px 16px; font-size: .95rem; }
.logo img { height: 40px; width: auto; }
@media (max-width: 860px) { .nav-links { display: none; } }
@media (max-width: 420px) { .nav-cta .login { display: none; } .logo img { height: 34px; } }

/* Hero */
.hero { background: var(--ink); color: #fff; position: relative; overflow: hidden; }
.hero::before { /* the target mark, huge and faint */
  content: ""; position: absolute; right: -220px; top: -160px; width: 760px; height: 760px; border-radius: 50%;
  border: 2px dashed rgba(192,39,43,.22); pointer-events: none;
}
.hero::after { content: ""; position: absolute; right: 10px; top: 50px; width: 320px; height: 320px; border-radius: 50%; border: 2px solid rgba(192,39,43,.14); pointer-events: none; }
.hero .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1.02fr; gap: 64px; align-items: center; padding-top: 84px; padding-bottom: 96px; }
.hero h1 { font-family: var(--serif); font-weight: 600; font-size: clamp(2.8rem, 5.6vw, 4.6rem); line-height: 1.02; letter-spacing: -.025em; margin: 0; }
.hero .lede { margin: 24px 0 0; font-size: 1.2rem; line-height: 1.55; color: rgba(255,255,255,.76); max-width: 34ch; }
.hero .actions { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.hero .fine { margin-top: 18px; font-size: .92rem; color: rgba(255,255,255,.6); }
@media (max-width: 960px) { .hero .wrap { grid-template-columns: 1fr; gap: 48px; padding-top: 56px; padding-bottom: 64px; } }

/* Calculator */
.calc { background: var(--paper); color: var(--ink); border-radius: var(--r-panel); padding: 30px; box-shadow: 0 30px 80px -30px rgba(0,0,0,.6); }
.calc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.calc label { display: block; font-size: .85rem; color: var(--graphite); }
.field { margin-top: 4px; display: flex; align-items: baseline; gap: 2px; background: var(--fog); border: 1px solid var(--line); border-radius: var(--r-field); padding: 9px 12px; }
.field:focus-within { border-color: var(--ink); }
.field span { color: var(--graphite); font-size: .95rem; }
.field input { width: 100%; min-width: 0; border: 0; background: transparent; font: inherit; font-weight: 600; font-variant-numeric: tabular-nums; outline: none; color: var(--ink); }
.field input::-webkit-outer-spin-button, .field input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.field input[type=number] { -moz-appearance: textfield; }
.calc .result-label { margin: 28px 0 0; color: var(--graphite); }
.calc .result { font-family: var(--serif); font-weight: 600; font-size: clamp(2.4rem, 5vw, 3.5rem); line-height: 1.05; letter-spacing: -.02em; margin: 0; }
.calc .result-note { margin: 8px 0 0; color: var(--graphite); }
.calc svg { display: block; width: 100%; height: auto; margin-top: 20px; }
.calc .boost { margin-top: 16px; background: var(--signal-wash); border-radius: var(--r-field); padding: 12px 16px; font-size: .95rem; }
@media (max-width: 520px) { .calc { padding: 22px; } .calc-fields { grid-template-columns: 1fr; } }

.line-draw { stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw 1.2s .2s cubic-bezier(.2,.7,.2,1) forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }

/* Trust strip */
.strip { border-bottom: 1px solid var(--line); }
.strip .wrap { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 14px 32px; padding-top: 26px; padding-bottom: 26px; }
.strip p { margin: 0; display: flex; align-items: center; gap: 10px; font-weight: 500; }
.strip svg { color: var(--signal); flex: none; }

/* Sections */
section.block { padding: 104px 0; }
section.warm { background: var(--warm); }
.h2 { font-family: var(--serif); font-weight: 600; font-size: clamp(2.1rem, 3.8vw, 3rem); line-height: 1.08; letter-spacing: -.02em; margin: 0; max-width: 24ch; }
.sub { margin: 16px 0 0; font-size: 1.15rem; color: var(--graphite); max-width: 58ch; }

/* Minimum payment trap */
.trap { display: grid; grid-template-columns: 1fr 1fr; margin-top: 56px; border-top: 2px solid var(--ink); }
.trap > div { padding: 32px 32px 8px 0; }
.trap > div + div { padding-left: 32px; border-left: 1px solid var(--line); }
.trap .k { color: var(--graphite); margin: 0; }
.trap .v { font-family: var(--serif); font-weight: 600; font-size: clamp(2.6rem, 6vw, 4.4rem); line-height: 1; letter-spacing: -.03em; margin: 10px 0 0; }
.trap .d { margin: 14px 0 0; font-size: 1.05rem; }
.trap .good .v { color: var(--signal); }
.trap-note { margin-top: 28px; font-size: .92rem; color: var(--graphite); max-width: 70ch; }
@media (max-width: 760px) { .trap { grid-template-columns: 1fr; } .trap > div + div { padding-left: 0; border-left: 0; border-top: 1px solid var(--line); } }

/* Steps */
.steps { list-style: none; padding: 0; margin: 56px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; counter-reset: s; }
.steps li { border-top: 2px solid var(--ink); padding-top: 22px; counter-increment: s; }
.steps li::before { content: counter(s); font-family: var(--serif); font-weight: 600; font-size: 1.8rem; color: var(--signal); }
.steps h3 { margin: 6px 0 0; font-size: 1.3rem; }
.steps p { margin: 8px 0 0; color: var(--graphite); }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; gap: 32px; } }

/* Feature rows */
.feature { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; margin-top: 96px; }
.feature:first-of-type { margin-top: 64px; }
.feature.flip .copy { order: 2; }
.feature h3 { font-family: var(--serif); font-weight: 600; font-size: clamp(1.7rem, 2.8vw, 2.2rem); line-height: 1.12; letter-spacing: -.015em; margin: 0; }
.feature p { margin: 14px 0 0; color: var(--graphite); font-size: 1.08rem; max-width: 46ch; }
.feature .copy ul { margin: 18px 0 0; padding: 0; list-style: none; }
.feature .copy li { padding: 6px 0 6px 26px; position: relative; }
.feature .copy li::before { content: ""; position: absolute; left: 0; top: 14px; width: 12px; height: 12px; border-radius: 50%; border: 2px solid var(--signal); }
@media (max-width: 860px) { .feature { grid-template-columns: 1fr; gap: 32px; margin-top: 72px; } .feature.flip .copy { order: 0; } }

/* Mock visuals */
.mock { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-panel); padding: 26px; box-shadow: 0 24px 60px -36px rgba(28,28,30,.45); }
.warm .mock { border-color: #e6e1d8; }
.drop { border: 2px dashed var(--line); border-radius: 10px; padding: 22px; display: flex; gap: 14px; align-items: center; }
.drop .file { width: 44px; height: 54px; border-radius: 6px; background: var(--signal-wash); color: var(--signal); display: grid; place-items: center; font-size: .7rem; font-weight: 700; flex: none; }
.read { margin-top: 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 18px; }
.read div { border-bottom: 1px solid var(--line); padding-bottom: 8px; }
.read small { display: block; color: var(--graphite); font-size: .8rem; }
.read b { font-variant-numeric: tabular-nums; }
.pill { display: inline-block; font-size: .78rem; font-weight: 600; padding: 3px 9px; border-radius: 999px; background: var(--signal-wash); color: var(--signal-deep); }

.order { list-style: none; margin: 0; padding: 0; }
.order li { display: grid; grid-template-columns: 28px 1fr auto; gap: 10px; align-items: baseline; padding: 13px 0; border-bottom: 1px solid var(--line); }
.order li:first-child { padding-top: 0; }
.order .n { font-family: var(--serif); font-weight: 600; font-size: 1.3rem; color: var(--mist); }
.order li.focus .n, .order li.focus .amt { color: var(--signal); }
.order .amt { font-family: var(--serif); font-weight: 600; font-size: 1.25rem; font-variant-numeric: tabular-nums; }
.order small { display: block; color: var(--graphite); font-size: .85rem; }
.toggle { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 18px; }
.toggle span { border: 1px solid var(--line); border-radius: var(--r-field); padding: 10px 12px; font-size: .9rem; }
.toggle span.on { background: var(--ink); color: #fff; border-color: var(--ink); }
.toggle b { display: block; font-size: 1rem; }

.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; }
.compare div { padding: 18px; }
.compare div + div { border-left: 1px solid var(--line); background: var(--signal-wash); }
.compare small { color: var(--graphite); }
.compare b { display: block; font-family: var(--serif); font-size: 1.7rem; letter-spacing: -.01em; }
.switch-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--line); }
.sw { width: 40px; height: 22px; border-radius: 999px; background: var(--line); position: relative; flex: none; }
.sw::after { content: ""; position: absolute; top: 2px; left: 2px; width: 18px; height: 18px; border-radius: 50%; background: #fff; box-shadow: 0 1px 2px rgba(0,0,0,.2); }
.sw.on { background: var(--signal); }
.sw.on::after { left: 20px; }

/* Small features */
.more { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; margin-top: 96px; padding-top: 48px; border-top: 1px solid var(--line); }
.more h4 { margin: 14px 0 0; font-size: 1.15rem; }
.more p { margin: 6px 0 0; color: var(--graphite); font-size: .98rem; }
.more svg { color: var(--signal); }
@media (max-width: 960px) { .more { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .more { grid-template-columns: 1fr; } }

/* Pricing */
.pricing { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.price-card { background: var(--ink); color: #fff; border-radius: 20px; padding: 44px; position: relative; overflow: hidden; }
.price-card::after { content: ""; position: absolute; right: -70px; bottom: -70px; width: 240px; height: 240px; border-radius: 50%; border: 2px dashed rgba(192,39,43,.45); }
.price-card .plan { margin: 0; color: rgba(255,255,255,.7); font-weight: 500; }
.price { margin: 6px 0 0; font-family: var(--serif); font-weight: 600; font-size: 5rem; line-height: 1; letter-spacing: -.03em; }
.price small { font-family: var(--sans); font-size: 1.05rem; font-weight: 400; letter-spacing: 0; color: rgba(255,255,255,.7); }
.price-card ul { list-style: none; padding: 0; margin: 28px 0 32px; position: relative; z-index: 1; }
.price-card li { padding: 8px 0 8px 30px; position: relative; border-bottom: 1px solid rgba(255,255,255,.09); }
.price-card li::before { content: ""; position: absolute; left: 2px; top: 15px; width: 13px; height: 7px; border-left: 2px solid var(--signal); border-bottom: 2px solid var(--signal); transform: rotate(-45deg); }
.price-card .btn { width: 100%; position: relative; z-index: 1; }
.price-card .fine { margin: 14px 0 0; text-align: center; font-size: .9rem; color: rgba(255,255,255,.6); position: relative; z-index: 1; }
.math { margin-top: 28px; border-left: 3px solid var(--signal); padding-left: 18px; }
.math p { margin: 0; }
@media (max-width: 900px) { .pricing { grid-template-columns: 1fr; gap: 40px; } .price-card { padding: 32px; } .price { font-size: 4rem; } }

/* FAQ */
.faq { margin-top: 48px; max-width: 820px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 22px 40px 22px 0; font-weight: 600; font-size: 1.12rem; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 16px; font-size: 1.6rem; font-weight: 400; color: var(--signal); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { margin: 0 0 22px; color: var(--graphite); max-width: 68ch; }

/* Final CTA */
.final { background: var(--signal); color: #fff; }
.final .wrap { padding-top: 88px; padding-bottom: 88px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 32px; }
.final h2 { font-family: var(--serif); font-weight: 600; font-size: clamp(2rem, 3.6vw, 2.9rem); line-height: 1.08; letter-spacing: -.02em; margin: 0; max-width: 22ch; }
.final .btn { background: var(--ink); color: #fff; padding: 16px 28px; font-size: 1.05rem; }
.final .btn:hover { background: #000; }

/* Footer */
footer { background: var(--ink); color: rgba(255,255,255,.7); font-size: .95rem; }
footer .wrap { padding-top: 56px; padding-bottom: 48px; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
footer h5 { margin: 0 0 12px; color: #fff; font-size: .95rem; }
footer ul { list-style: none; margin: 0; padding: 0; }
footer li { padding: 4px 0; }
footer a { text-decoration: none; }
footer a:hover { color: #fff; }
footer .legal { grid-column: 1 / -1; border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; font-size: .85rem; color: rgba(255,255,255,.5); }
@media (max-width: 760px) { footer .wrap { grid-template-columns: 1fr 1fr; } footer .brand { grid-column: 1 / -1; } }

/* Legal pages */
.legal-page { max-width: 760px; margin: 0 auto; padding: 72px 24px 96px; }
.legal-page h1 { font-family: var(--serif); font-size: clamp(2.2rem, 4vw, 3rem); letter-spacing: -.02em; margin: 0; }
.legal-page h2 { font-size: 1.25rem; margin: 40px 0 8px; }
.legal-page p, .legal-page li { color: var(--ink-2); }
.legal-page .updated { color: var(--graphite); margin-top: 8px; }