/* =========================================================
   BRAND B — Soft Editorial Fintech
   Warm paper · Coral ink · Soft teal · Rounded calm UI
   ========================================================= */
:root, [data-theme="light"] {
  --bg: #F6F1EA;
  --bg-elevated: #FFFCF8;
  --bg-soft: #EFE8DE;
  --bg-muted: #E7DFD3;
  --ink: #2B2118;
  --ink-soft: #5C5348;
  --ink-faint: #8A8074;
  --line: rgba(43, 33, 24, 0.10);
  --line-strong: rgba(43, 33, 24, 0.16);
  --coral: #E36A4A;
  --coral-deep: #C65336;
  --coral-soft: #F8D7CC;
  --teal: #2A9D8F;
  --teal-soft: #D3EDE9;
  --sand: #F0C987;
  --sand-soft: #F8E9C8;
  --lavender: #C9B8E8;
  --shadow: 0 12px 40px rgba(43, 33, 24, 0.08);
  --shadow-lg: 0 24px 60px rgba(43, 33, 24, 0.12);
  --nav-bg: rgba(246, 241, 234, 0.85);
  --toast-bg: #2B2118;
  --toast-ink: #FFFCF8;
  --success: #2A9D8F;
  --danger: #C65336;
  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 28px;
  --radius-pill: 999px;
  --space-section: 100px;
  --max: 1180px;
  --font: 'Nunito', system-ui, sans-serif;
  --ease: cubic-bezier(0.25, 0.8, 0.25, 1);
}

[data-theme="dark"] {
  --bg: #171411;
  --bg-elevated: #221E19;
  --bg-soft: #2A241E;
  --bg-muted: #332C25;
  --ink: #F4EDE4;
  --ink-soft: #C9BFB3;
  --ink-faint: #8F8578;
  --line: rgba(244, 237, 228, 0.10);
  --line-strong: rgba(244, 237, 228, 0.16);
  --coral: #F08A6C;
  --coral-deep: #E36A4A;
  --coral-soft: rgba(227, 106, 74, 0.18);
  --teal: #4DB6A8;
  --teal-soft: rgba(42, 157, 143, 0.18);
  --sand: #E0B56A;
  --sand-soft: rgba(240, 201, 135, 0.15);
  --lavender: #B9A6DE;
  --shadow: 0 12px 40px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 24px 60px rgba(0, 0, 0, 0.45);
  --nav-bg: rgba(23, 20, 17, 0.88);
  --toast-bg: #F4EDE4;
  --toast-ink: #171411;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--ink);
  font-size: 16.5px;
  line-height: 1.65;
  overflow-x: hidden;
  transition: background 0.35s var(--ease), color 0.35s var(--ease);
}
img { max-width: 100%; }
a { color: inherit; text-decoration: none; transition: color 0.25s var(--ease), background 0.25s var(--ease), border-color 0.25s var(--ease), transform 0.25s var(--ease), box-shadow 0.25s var(--ease); }
button, input, select, textarea { font-family: inherit; }
::selection { background: var(--coral-soft); color: var(--ink); }
:focus-visible { outline: 2px solid var(--coral); outline-offset: 3px; }

.wrap { width: min(var(--max), calc(100% - 40px)); margin-inline: auto; }
section { padding: var(--space-section) 0; position: relative; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 700; letter-spacing: 0.04em;
  text-transform: uppercase; color: var(--coral); margin-bottom: 12px;
}
.eyebrow span { font-size: 16px; }
.title {
  font-size: clamp(28px, 4.2vw, 44px); font-weight: 800;
  line-height: 1.15; letter-spacing: -0.02em; margin-bottom: 14px;
}
.lead { color: var(--ink-soft); font-size: 17px; max-width: 520px; }

/* Buttons */
.btn-main {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: none; border-radius: var(--radius-pill); padding: 13px 24px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  background: var(--coral); color: #fff;
  box-shadow: 0 8px 20px rgba(227, 106, 74, 0.28);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background 0.2s;
}
.btn-main:hover { background: var(--coral-deep); transform: translateY(-2px); color: #fff; box-shadow: 0 12px 28px rgba(227, 106, 74, 0.35); }
.btn-soft {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border-radius: var(--radius-pill); padding: 13px 24px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  background: var(--bg-elevated); color: var(--ink);
  border: 1.5px solid var(--line-strong);
}
.btn-soft:hover { border-color: var(--ink-faint); transform: translateY(-2px); color: var(--ink); }
.btn-tiny {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 14px; border-radius: var(--radius-pill);
  font-size: 13px; font-weight: 700; border: none; cursor: pointer;
  background: var(--teal); color: #fff;
}
.btn-tiny:hover { filter: brightness(1.05); color: #fff; transform: translateY(-1px); }
.btn-loading .btn-label { display: none; }
.btn-loading .btn-spin { display: inline-block; }
.btn-spin {
  display: none; width: 16px; height: 16px; border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.35); border-top-color: #fff;
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* Surfaces */
.surface {
  background: var(--bg-elevated);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  transition: background 0.35s, border-color 0.35s, box-shadow 0.35s;
}
.chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 12px; border-radius: var(--radius-pill);
  background: var(--bg-soft); color: var(--ink-soft);
  font-size: 13px; font-weight: 600; border: 1px solid var(--line);
}

/* ===== PRELOADER ===== */
#preloader {
  position: fixed; inset: 0; z-index: 100000;
  background: var(--bg); display: grid; place-items: center;
  transition: opacity 0.55s ease, visibility 0.55s;
}
#preloader.hide { opacity: 0; visibility: hidden; pointer-events: none; }
.preload-mark { text-align: center; }
.preload-mark .logo-mark {
  width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 20px;
  background: linear-gradient(145deg, var(--coral), #F0A07E);
  display: grid; place-items: center; font-size: 28px;
  animation: bob 1.2s ease-in-out infinite;
  box-shadow: 0 12px 30px rgba(227, 106, 74, 0.3);
}
.preload-mark strong { font-size: 22px; font-weight: 800; }
.preload-dots { display: flex; gap: 8px; justify-content: center; margin-top: 20px; }
.preload-dots i {
  width: 8px; height: 8px; border-radius: 50%; background: var(--coral);
  animation: dots 1.2s ease-in-out infinite;
}
.preload-dots i:nth-child(2) { animation-delay: 0.15s; }
.preload-dots i:nth-child(3) { animation-delay: 0.3s; }
@keyframes bob { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-8px)} }
@keyframes dots { 0%,100%{opacity:0.3;transform:scale(0.8)} 50%{opacity:1;transform:scale(1.15)} }

/* ===== SCROLL TOP BAR ===== */
#progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0; z-index: 9999;
  background: linear-gradient(90deg, var(--coral), var(--teal));
  transition: width 0.08s linear;
}

/* ===== NAV ===== */
.topbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 14px 0; transition: padding 0.3s, background 0.3s, box-shadow 0.3s;
  background: transparent;
}
.topbar.solid {
  background: var(--nav-bg); backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 var(--line); padding: 10px 0;
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.brand {
  display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 18px;
}
.brand-badge {
  width: 38px; height: 38px; border-radius: 12px;
  background: linear-gradient(145deg, var(--coral), #F0A07E);
  display: grid; place-items: center; font-size: 18px; color: #fff;
}
.menu {
  display: flex; align-items: center; gap: 4px; list-style: none;
}
.menu a {
  padding: 8px 12px; border-radius: var(--radius-pill);
  font-size: 14px; font-weight: 650; color: var(--ink-soft);
}
.menu a:hover, .menu a.active { color: var(--ink); background: var(--bg-soft); }
.nav-actions { display: flex; align-items: center; gap: 8px; }
.icon-btn {
  width: 42px; height: 42px; border-radius: 50%; border: 1.5px solid var(--line-strong);
  background: var(--bg-elevated); color: var(--ink); display: grid; place-items: center;
  cursor: pointer; font-size: 18px;
}
.icon-btn:hover { border-color: var(--coral); color: var(--coral); }
.burger { display: none; }
.mobile-drawer {
  position: fixed; inset: 0; z-index: 1100; background: var(--bg);
  display: flex; flex-direction: column; padding: 24px;
  transform: translateX(100%); transition: transform 0.35s var(--ease);
}
.mobile-drawer.open { transform: translateX(0); }
.drawer-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 32px; }
.drawer-links { display: flex; flex-direction: column; gap: 6px; }
.drawer-links a {
  padding: 14px 16px; border-radius: var(--radius-md); font-size: 18px; font-weight: 700;
  color: var(--ink-soft);
}
.drawer-links a:hover { background: var(--bg-soft); color: var(--ink); }

/* ===== HERO — interactive playground ===== */
.hero { padding: 130px 0 70px; overflow: hidden; }
.hero-shell {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center;
}
.hero-copy h1 {
  font-size: clamp(34px, 5.2vw, 58px); font-weight: 800;
  line-height: 1.08; letter-spacing: -0.03em; margin-bottom: 18px;
}
.hero-copy h1 em { font-style: normal; color: var(--coral); position: relative; }
.hero-copy h1 em::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 4px; height: 10px;
  background: var(--coral-soft); z-index: -1; border-radius: 4px;
}
.hero-copy p {
  color: var(--ink-soft); font-size: 18px; max-width: 460px; margin-bottom: 28px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px; }

/* Hero interactive panel */
.hero-play { position: relative; min-height: 520px; }
.hero-stage {
  position: relative; height: 100%; min-height: 520px;
  border-radius: 36px; background: var(--bg-elevated);
  border: 1.5px solid var(--line); box-shadow: var(--shadow-lg);
  overflow: hidden; padding: 28px;
}
.hero-stage-bg {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(circle at 20% 20%, var(--coral-soft), transparent 40%),
    radial-gradient(circle at 85% 75%, var(--teal-soft), transparent 45%),
    radial-gradient(circle at 60% 10%, var(--sand-soft), transparent 35%);
}
.hero-tabs {
  position: relative; z-index: 2; display: flex; gap: 6px; flex-wrap: wrap;
  margin-bottom: 20px;
}
.hero-tab {
  border: 1.5px solid var(--line); background: var(--bg-elevated);
  color: var(--ink-soft); border-radius: var(--radius-pill);
  padding: 8px 14px; font-size: 13px; font-weight: 700; cursor: pointer;
}
.hero-tab.active {
  background: var(--ink); color: var(--bg); border-color: var(--ink);
}
[data-theme="dark"] .hero-tab.active { background: var(--coral); border-color: var(--coral); color: #fff; }

.hero-panel { display: none; position: relative; z-index: 2; animation: panelIn 0.4s var(--ease); }
.hero-panel.active { display: block; }
@keyframes panelIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

/* SVG scene */
.svg-scene { width: 100%; height: auto; max-height: 340px; }
.svg-scene .float-a { animation: floatY 4s ease-in-out infinite; }
.svg-scene .float-b { animation: floatY 5s ease-in-out infinite 0.6s; }
.svg-scene .float-c { animation: floatY 4.5s ease-in-out infinite 1.1s; }
.svg-scene .pulse-ring { transform-origin: center; animation: ringSoft 3s ease-in-out infinite; }
@keyframes floatY { 0%,100%{ transform: translateY(0); } 50%{ transform: translateY(-8px); } }
@keyframes ringSoft { 0%,100%{ opacity: 0.35; } 50%{ opacity: 0.8; } }

/* Mini tools in hero */
.tool-card {
  background: var(--bg-elevated); border: 1.5px solid var(--line);
  border-radius: var(--radius-md); padding: 18px; margin-top: 14px;
}
.tool-card h4 { font-size: 15px; font-weight: 800; margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }
.range-row { display: grid; gap: 8px; margin-bottom: 12px; }
.range-row label { font-size: 12px; font-weight: 700; color: var(--ink-faint); display: flex; justify-content: space-between; }
input[type="range"] { width: 100%; accent-color: var(--coral); height: 6px; cursor: pointer; }
.tool-result {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 14px; border-radius: var(--radius-sm); background: var(--bg-soft);
  font-weight: 700;
}
.tool-result strong { color: var(--coral); font-size: 20px; }
.check-list { display: grid; gap: 10px; }
.check-list label {
  display: flex; align-items: center; gap: 10px; padding: 12px 14px;
  border-radius: var(--radius-sm); background: var(--bg-soft); cursor: pointer;
  border: 1.5px solid transparent; font-weight: 600; font-size: 14px;
}
.check-list label:has(input:checked) { border-color: var(--teal); background: var(--teal-soft); }
.check-list input { accent-color: var(--teal); width: 16px; height: 16px; }
.goal-pills { display: flex; flex-wrap: wrap; gap: 8px; }
.goal-pill {
  padding: 10px 14px; border-radius: var(--radius-pill); border: 1.5px solid var(--line);
  background: var(--bg-elevated); cursor: pointer; font-weight: 700; font-size: 13px; color: var(--ink-soft);
}
.goal-pill.on { background: var(--coral); color: #fff; border-color: var(--coral); }
.goal-note {
  margin-top: 14px; padding: 14px; border-radius: var(--radius-sm);
  background: var(--sand-soft); font-size: 14px; font-weight: 600; color: var(--ink-soft);
  min-height: 52px;
}

/* ===== PAGE HEADER (shared) ===== */
.page-head {
  padding: 150px 0 40px; text-align: center;
}
.page-head h1 {
  font-size: clamp(32px, 5vw, 52px); font-weight: 800;
  line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 14px;
}
.page-head p { color: var(--ink-soft); font-size: 17px; max-width: 620px; margin: 0 auto; }
.breadcrumbs {
  display: inline-flex; gap: 8px; font-size: 13px; font-weight: 600;
  color: var(--ink-faint); margin-bottom: 16px;
}
.breadcrumbs a:hover { color: var(--coral); }
.breadcrumbs span { color: var(--ink-soft); }

/* ===== ABOUT — zigzag story rail ===== */
.about-rail { display: grid; gap: 18px; margin-top: 42px; }
.story-row {
  display: grid; grid-template-columns: 80px 1fr; gap: 18px; align-items: start;
  padding: 22px 24px; border-radius: var(--radius-lg);
  background: var(--bg-elevated); border: 1.5px solid var(--line);
}
.story-emoji {
  width: 64px; height: 64px; border-radius: 20px; display: grid; place-items: center;
  font-size: 28px; background: var(--bg-soft);
}
.story-row h3 { font-size: 20px; font-weight: 800; margin-bottom: 6px; }
.story-row p { color: var(--ink-soft); font-size: 15px; }
.values-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 22px;
}
.value-pill {
  text-align: center; padding: 22px 14px; border-radius: var(--radius-md);
  background: var(--bg-soft); border: 1.5px dashed var(--line-strong);
}
.value-pill .ve { font-size: 26px; display: block; margin-bottom: 8px; }
.value-pill strong { display: block; font-size: 15px; margin-bottom: 4px; }
.value-pill span { font-size: 13px; color: var(--ink-faint); }

/* ===== SERVICES — stacked chapter reader ===== */
.services-head { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; align-items: end; margin-bottom: 28px; }
.chapter-list { display: grid; gap: 12px; }
.chapter {
  border-radius: var(--radius-lg); border: 1.5px solid var(--line);
  background: var(--bg-elevated); overflow: hidden;
  transition: box-shadow 0.3s, border-color 0.3s;
}
.chapter.open {
  border-color: color-mix(in srgb, var(--coral) 45%, var(--line));
  box-shadow: var(--shadow);
}
.chapter-bar {
  width: 100%; display: grid; grid-template-columns: auto 1fr auto; gap: 14px; align-items: center;
  padding: 18px 20px; background: transparent; border: none; cursor: pointer; text-align: left; color: var(--ink);
}
.chapter-num {
  width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center;
  font-weight: 800; font-size: 14px; background: var(--bg-soft); color: var(--ink-soft);
}
.chapter.open .chapter-num { background: var(--coral-soft); color: var(--coral-deep); }
[data-theme="dark"] .chapter.open .chapter-num { color: var(--coral); }
.chapter-bar h3 { font-size: 18px; font-weight: 800; margin-bottom: 2px; }
.chapter-bar p { font-size: 13px; color: var(--ink-faint); margin: 0; }
.chapter-chevron {
  width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center;
  background: var(--bg-soft); color: var(--ink-soft); transition: transform 0.3s;
}
.chapter.open .chapter-chevron { transform: rotate(180deg); background: var(--coral); color: #fff; }
.chapter-body {
  display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.4s var(--ease);
}
.chapter.open .chapter-body { grid-template-rows: 1fr; }
.chapter-body-inner { overflow: hidden; }
.chapter-content { padding: 0 20px 22px; }
.svc-flow {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 12px;
}
.svc-tile {
  padding: 18px; border-radius: var(--radius-md); background: var(--bg-soft);
  border: 1.5px solid transparent; transition: border-color 0.25s, transform 0.25s, background 0.25s;
  height: 100%;
}
.svc-tile:hover {
  border-color: var(--line-strong); transform: translateY(-3px);
  background: var(--bg-elevated); box-shadow: var(--shadow);
}
.svc-tile .ico {
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  font-size: 20px; margin-bottom: 12px; background: var(--bg-elevated); border: 1px solid var(--line);
}
.svc-tile h4 { font-size: 16px; font-weight: 800; margin-bottom: 8px; }
.svc-tile p { font-size: 13.5px; color: var(--ink-soft); line-height: 1.55; margin-bottom: 12px; }
.svc-tile .btn-tiny { margin-top: auto; }

/* Special chapter layouts */
.debt-path {
  display: grid; grid-template-columns: 1fr; gap: 10px; align-items: stretch;
}
.debt-box {
  padding: 18px; border-radius: var(--radius-md); background: var(--bg-soft); text-align: center;
}
.debt-box.mid { text-align: left; }
.debt-box .tag {
  display: inline-block; font-size: 11px; font-weight: 800; text-transform: uppercase;
  letter-spacing: 0.06em; padding: 4px 10px; border-radius: var(--radius-pill); margin-bottom: 10px;
}
.tag-warn { background: #F8D7CC; color: #C65336; }
.tag-act { background: var(--lavender); color: #5B4585; }
.tag-ok { background: var(--teal-soft); color: #1F7A70; }
[data-theme="dark"] .tag-warn { background: rgba(198,83,54,0.25); color: #F08A6C; }
[data-theme="dark"] .tag-act { background: rgba(185,166,222,0.2); color: #C9B8E8; }
[data-theme="dark"] .tag-ok { color: var(--teal); }
.debt-arrow { display: grid; place-items: center; font-size: 22px; color: var(--ink-faint); }
.home-grid, .auto-grid {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 16px; align-items: center;
}
.illus-box {
  border-radius: var(--radius-md); background: var(--bg-soft); padding: 20px;
  display: grid; place-items: center; min-height: 220px; border: 1.5px dashed var(--line-strong);
}
.net-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px;
}
.net-center-note {
  grid-column: 1 / -1; text-align: center; padding: 14px; border-radius: var(--radius-md);
  background: linear-gradient(90deg, var(--coral-soft), var(--teal-soft));
  font-weight: 800; margin-bottom: 4px;
}

/* ===== BENEFITS ===== */
.benefit-ribbon {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 36px;
}
.benefit-item {
  padding: 26px 22px; border-radius: var(--radius-lg); position: relative;
  background: var(--bg-elevated); border: 1.5px solid var(--line); overflow: hidden;
}
.benefit-item:nth-child(1) { background: linear-gradient(160deg, var(--bg-elevated), var(--coral-soft)); }
.benefit-item:nth-child(2) { background: linear-gradient(160deg, var(--bg-elevated), var(--teal-soft)); }
.benefit-item:nth-child(3) { background: linear-gradient(160deg, var(--bg-elevated), var(--sand-soft)); }
.benefit-item:nth-child(4) { background: linear-gradient(160deg, var(--bg-elevated), color-mix(in srgb, var(--lavender) 35%, var(--bg-elevated))); }
.benefit-item:nth-child(5) { background: linear-gradient(160deg, var(--bg-elevated), var(--coral-soft)); }
.benefit-item:nth-child(6) { background: linear-gradient(160deg, var(--bg-elevated), var(--teal-soft)); }
.benefit-item .be { font-size: 30px; display: block; margin-bottom: 12px; }
.benefit-item h3 { font-size: 19px; font-weight: 800; margin-bottom: 8px; }
.benefit-item p { color: var(--ink-soft); font-size: 14.5px; }
.benefit-item:hover { transform: translateY(-4px); box-shadow: var(--shadow); }

/* ===== PROCESS ===== */
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 40px;
  counter-reset: step;
}
.step {
  padding: 24px 20px; position: relative; text-align: left;
  border-right: 1.5px solid var(--line);
}
.step:last-child { border-right: none; }
.step-ico {
  width: 52px; height: 52px; border-radius: 16px; display: grid; place-items: center;
  font-size: 24px; background: var(--bg-elevated); border: 1.5px solid var(--line);
  margin-bottom: 16px;
}
.step h3 { font-size: 18px; font-weight: 800; margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--ink-soft); }
.step-index {
  font-size: 12px; font-weight: 800; color: var(--coral); letter-spacing: 0.06em;
  text-transform: uppercase; margin-bottom: 10px;
}

/* ===== TESTIMONIALS ===== */
.quote-stack {
  display: grid; grid-template-columns: repeat(12, 1fr); gap: 14px; margin-top: 36px;
}
.quote {
  padding: 24px; border-radius: var(--radius-lg); background: var(--bg-elevated);
  border: 1.5px solid var(--line);
}
.quote:nth-child(1) { grid-column: span 7; }
.quote:nth-child(2) { grid-column: span 5; }
.quote:nth-child(3) { grid-column: span 4; }
.quote:nth-child(4) { grid-column: span 4; }
.quote:nth-child(5) { grid-column: span 4; }
.quote:nth-child(6) { grid-column: span 5; }
.quote:nth-child(7) { grid-column: span 7; }
.quote .stars { color: #E6A817; letter-spacing: 2px; font-size: 14px; margin-bottom: 10px; }
.quote p { color: var(--ink-soft); font-size: 15px; margin-bottom: 16px; }
.who { display: flex; align-items: center; gap: 12px; }
.who-ava {
  width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center;
  font-weight: 800; font-size: 14px; background: var(--coral-soft); color: var(--coral-deep);
}
[data-theme="dark"] .who-ava { color: var(--coral); }
.who strong { display: block; font-size: 14px; }
.who span { font-size: 12px; color: var(--ink-faint); }

/* ===== FAQ ===== */
.faq-wrap { max-width: 760px; margin: 36px auto 0; display: grid; gap: 10px; }
.faq {
  border-radius: var(--radius-md); background: var(--bg-elevated); border: 1.5px solid var(--line);
  overflow: hidden;
}
.faq.open { border-color: color-mix(in srgb, var(--teal) 40%, var(--line)); }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; color: var(--ink);
  padding: 16px 18px; font-size: 15.5px; font-weight: 750; cursor: pointer;
  display: flex; justify-content: space-between; gap: 12px; align-items: center;
}
.faq-q i { color: var(--teal); transition: transform 0.3s; flex-shrink: 0; }
.faq.open .faq-q i { transform: rotate(45deg); }
.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.35s var(--ease); }
.faq.open .faq-a { grid-template-rows: 1fr; }
.faq-a > div { overflow: hidden; }
.faq-a p { padding: 0 18px 16px; color: var(--ink-soft); font-size: 14.5px; }

/* ===== NEWSLETTER / FORMS ===== */
.nl-band {
  border-radius: 32px; padding: 42px; background: var(--bg-elevated);
  border: 1.5px solid var(--line); display: grid; grid-template-columns: 1fr 1.1fr; gap: 28px;
  align-items: center; box-shadow: var(--shadow);
}
.nl-band .emoji-row { font-size: 28px; letter-spacing: 6px; margin-bottom: 10px; }
.field { margin-bottom: 12px; }
.field label { display: block; font-size: 12px; font-weight: 750; color: var(--ink-faint); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border-radius: 12px; border: 1.5px solid var(--line-strong);
  background: var(--bg); color: var(--ink); font-size: 15px; outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--coral); box-shadow: 0 0 0 3px var(--coral-soft);
}
.field textarea { min-height: 110px; resize: vertical; }
.fields-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.check-line {
  display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--ink-soft);
  margin: 8px 0 14px;
}
.check-line input { margin-top: 3px; accent-color: var(--coral); width: 16px; height: 16px; }
.check-line a { color: var(--coral); text-decoration: underline; font-weight: 700; }
.unsub-link {
  display: inline-block; margin-top: 12px; font-size: 13px; color: var(--ink-faint);
  text-decoration: underline; cursor: pointer; background: none; border: none; font-family: inherit;
}
.unsub-link:hover { color: var(--coral); }

/* ===== CONTACT ===== */
.contact-layout {
  display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 20px; margin-top: 36px;
}
.contact-card, .info-card { padding: 28px; }
.info-row {
  display: flex; gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--line);
}
.info-row:last-child { border-bottom: none; }
.info-ico {
  width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center;
  font-size: 20px; background: var(--bg-soft); flex-shrink: 0;
}
.info-row small { display: block; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-faint); }
.info-row strong { font-size: 15px; font-weight: 700; }

/* ===== CTA ===== */
.cta-final {
  text-align: center; padding: 56px 32px; border-radius: 36px;
  background: linear-gradient(145deg, var(--coral), #F08A6C 45%, #E8A07A);
  color: #fff; box-shadow: 0 20px 50px rgba(227, 106, 74, 0.3);
}
.cta-final h2 { font-size: clamp(28px, 4vw, 42px); font-weight: 800; margin-bottom: 12px; color: #fff; }
.cta-final p { opacity: 0.92; max-width: 460px; margin: 0 auto 24px; font-size: 17px; }
.cta-final .btn-main {
  background: #fff; color: var(--coral-deep); box-shadow: none;
}
.cta-final .btn-main:hover { background: var(--bg); color: var(--coral-deep); }

/* ===== POLICY / LEGAL PAGES ===== */
.policy-wrap {
  max-width: 820px; margin: 0 auto; padding: 20px 0 80px;
}
.policy-card {
  padding: 42px; border-radius: var(--radius-lg);
  background: var(--bg-elevated); border: 1.5px solid var(--line);
  box-shadow: var(--shadow);
}
.policy-card h2 {
  font-size: clamp(26px, 4vw, 36px); font-weight: 800; margin-bottom: 20px;
}
.policy-card h4 {
  font-size: 18px; font-weight: 800; margin: 24px 0 8px; color: var(--ink);
}
.policy-card p {
  color: var(--ink-soft); font-size: 15px; line-height: 1.75; margin-bottom: 12px;
}
.policy-updated {
  font-size: 13px; color: var(--ink-faint); margin-bottom: 24px; font-weight: 600;
}
.policy-toc {
  padding: 18px; border-radius: var(--radius-md); background: var(--bg-soft);
  border: 1px dashed var(--line-strong); margin-bottom: 28px;
}
.policy-toc h5 {
  font-size: 12px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--ink-faint); margin-bottom: 10px; font-weight: 800;
}
.policy-toc ul { list-style: none; display: grid; gap: 6px; }
.policy-toc li { font-size: 14px; }
.policy-toc a { color: var(--coral); font-weight: 600; }

/* ===== FOOTER ===== */
footer {
  padding: 64px 0 28px; border-top: 1.5px solid var(--line); margin-top: 20px;
}
.foot-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: 32px; margin-bottom: 40px;
}
.foot-brand p { color: var(--ink-soft); font-size: 14px; margin-top: 12px; max-width: 280px; }
.socials { display: flex; gap: 8px; margin-top: 18px; }
.socials a {
  width: 38px; height: 38px; border-radius: 12px; display: grid; place-items: center;
  background: var(--bg-soft); border: 1px solid var(--line); color: var(--ink-soft); font-size: 15px;
}
.socials a:hover { background: var(--coral); color: #fff; border-color: var(--coral); }
.foot-col h4 {
  font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--ink-faint); margin-bottom: 14px; font-weight: 800; margin-left: 20px;
}
.foot-col ul { list-style: none; }
.foot-col li { margin-bottom: 8px; }
.foot-col a { font-size: 14px; color: var(--ink-soft); font-weight: 600; }
.foot-col a:hover { color: var(--coral); }
.foot-bottom {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px;
  padding-top: 20px; border-top: 1px solid var(--line);
  font-size: 13px; color: var(--ink-faint);
}
.foot-legal { display: flex; gap: 18px; }
.foot-legal button, .foot-legal a {
  background: none; border: none; color: var(--ink-faint); cursor: pointer;
  font-size: 13px; font-family: inherit; font-weight: 600; padding: 0;
}
.foot-legal button:hover, .foot-legal a:hover { color: var(--coral); }

/* ===== MODALS / TOAST ===== */
.modal-back {
  position: fixed; inset: 0; z-index: 20000; background: rgba(23, 20, 17, 0.55);
  backdrop-filter: blur(6px); display: grid; place-items: center; padding: 20px;
  opacity: 0; visibility: hidden; transition: 0.3s ease;
}
.modal-back.open { opacity: 1; visibility: visible; }
.custom-modal {
  width: min(560px, 100%); max-height: 80vh; overflow: auto;
  background: var(--bg-elevated); border-radius: 24px; border: 1.5px solid var(--line);
  box-shadow: var(--shadow-lg); transform: translateY(16px); transition: transform 0.3s var(--ease);
}
.modal-back.open .custom-modal { transform: none; }
.modal-top {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; border-bottom: 1px solid var(--line); position: sticky; top: 0;
  background: var(--bg-elevated); z-index: 1;
}
.modal-top h3 { font-size: 18px; font-weight: 800; }
.modal-x {
  width: 34px; height: 34px; border-radius: 10px; border: none; background: var(--bg-soft);
  color: var(--ink); cursor: pointer; font-size: 18px;
}
.modal-x:hover { background: var(--coral-soft); color: var(--coral-deep); }
.modal-body { padding: 22px; color: var(--ink-soft); font-size: 14px; line-height: 1.7; }
.modal-body h4 { color: var(--ink); font-size: 15px; margin: 16px 0 6px; }

#toasts {
  position: fixed; top: 18px; right: 18px; z-index: 30000; display: grid; gap: 10px;
}
.custom-toast {
  min-width: 280px; padding: 14px 16px; border-radius: 14px;
  background: var(--toast-bg); color: var(--toast-ink);
  display: flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 700;
  box-shadow: var(--shadow-lg); animation: toastIn 0.35s var(--ease);
}
.custom-toast.error { outline: 2px solid var(--danger); }
.custom-toast.out { animation: toastOut 0.28s forwards; }
@keyframes toastIn { from { opacity: 0; transform: translateX(24px); } to { opacity: 1; transform: none; } }
@keyframes toastOut { to { opacity: 0; transform: translateX(24px); } }

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {
  .hero-shell { grid-template-columns: 1fr; }
  .hero-play { min-height: auto; }
  .hero-stage { min-height: auto; }
  .benefit-ribbon { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .step:nth-child(2) { border-right: none; }
  .step { border-bottom: 1.5px solid var(--line); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .nl-band { grid-template-columns: 1fr; }
  .home-grid, .auto-grid { grid-template-columns: 1fr; }
  .net-grid { grid-template-columns: 1fr; }
  .debt-path { grid-template-columns: 1fr; }
  .debt-arrow { transform: rotate(90deg); padding: 4px 0; }
}
@media (max-width: 860px) {
  .menu, .nav-cta-desk { display: none; }
  .burger { display: grid; }
  .quote-stack { grid-template-columns: 1fr; }
  .quote:nth-child(n) { grid-column: span 1; }
  .contact-layout { grid-template-columns: 1fr; }
  .values-strip { grid-template-columns: 1fr 1fr; }
  :root { --space-section: 72px; }
}
@media (max-width: 560px) {
  .wrap { width: calc(100% - 28px); }
  .fields-2 { grid-template-columns: 1fr; }
  .benefit-ribbon, .steps, .values-strip, .foot-grid { grid-template-columns: 1fr; }
  .step { border-right: none; }
  .chapter-bar { grid-template-columns: auto 1fr; }
  .chapter-chevron { display: none; }
  .hero { padding-top: 110px; }
  .nl-band, .contact-card, .info-card, .policy-card { padding: 22px 18px; }
  .story-row { grid-template-columns: 1fr; }
  .policy-toc ul { grid-template-columns: 1fr; }
}