/* =============================================================
   Kredo — stylesheet
   Direction: a bank vault that opens onto a statement.
   Dark, holographic hero (the card itself) → light, precise,
   monospaced numbers below (the statement). Gold = the EMV chip.
   ============================================================= */

:root{
  --ink:#0A0E1C;
  --ink-2:#111931;
  --ink-3:#1B2444;
  --ink-4:#28325A;

  --paper:#F5F6FA;
  --paper-2:#EAEDF5;
  --paper-3:#DEE3EF;

  --text:#0E1424;
  --text-mute:#5A6480;
  --text-inv:#EEF1F8;
  --text-inv-mute:#9AA5C4;

  --gold:#E9B84C;
  --gold-deep:#B98A22;
  --mint:#1FBF8B;
  --mint-bright:#2BD9A0;
  --rose:#E4557A;

  --holo-1:#6BE3FF;
  --holo-2:#B58BFF;
  --holo-3:#FF9EC7;

  --line-dark:rgba(255,255,255,.13);
  --line-light:#D7DCEA;

  --r-sm:8px; --r-md:14px; --r-lg:22px; --r-xl:30px;
  --wrap:1200px;

  --f-display:"Bricolage Grotesque",system-ui,sans-serif;
  --f-body:"IBM Plex Sans",system-ui,sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,monospace;

  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box}

/* The hidden attribute must beat any author display rule below it.
   Without this, .modal{display:grid} overrides [hidden] and the empty
   card popup renders over the page on load. */
[hidden]{display:none !important}

html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--paper);
  color:var(--text);
  font-family:var(--f-body);
  font-size:16.5px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit}
button,input,select{font:inherit;color:inherit}

.wrap{width:min(var(--wrap),calc(100% - 3rem));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--ink);padding:.7rem 1.1rem;z-index:200;border-radius:0 0 var(--r-sm) 0}
.skip:focus{left:0}

:focus-visible{outline:2.5px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ---------- Type scale ---------- */
h1,h2,h3,h4{font-family:var(--f-display);font-weight:800;letter-spacing:-.025em;line-height:1.05;margin:0}
h1{font-size:clamp(2.5rem,6.2vw,4.6rem)}
.h2{font-size:clamp(1.85rem,3.6vw,2.9rem);letter-spacing:-.03em}
.h3{font-size:clamp(1.25rem,2vw,1.6rem)}
.eyebrow{
  font-family:var(--f-mono);font-size:.72rem;text-transform:uppercase;
  letter-spacing:.18em;color:var(--text-mute);margin:0 0 .9rem;font-weight:500;
}
.lede{font-size:clamp(1.02rem,1.35vw,1.16rem);color:var(--text-inv-mute);max-width:34em;margin:1.4rem 0 0}
.sec-sub{color:var(--text-mute);max-width:48ch;margin:.9rem 0 0;font-size:1.02rem}
.sec-head{margin-bottom:2.8rem;max-width:46rem}
.sec-head-dark .eyebrow,.sec-head-dark .sec-sub{color:var(--text-inv-mute)}
.sec-head-dark .h2{color:var(--text-inv)}
.microcopy{font-family:var(--f-mono);font-size:.78rem;color:var(--text-inv-mute);margin-top:1.5rem;letter-spacing:.01em}

/* ---------- Buttons ---------- */
.btn{
  --bg:var(--ink); --fg:#fff;
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  background:var(--bg);color:var(--fg);border:1.5px solid transparent;
  padding:.78rem 1.35rem;border-radius:999px;font-weight:600;font-size:.94rem;
  text-decoration:none;cursor:pointer;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 26px -12px rgba(10,14,28,.6)}
.btn:active{transform:translateY(0)}
.btn-lg{padding:1rem 1.8rem;font-size:1rem}
.btn-sm{padding:.55rem 1.05rem;font-size:.85rem}
.btn-accent{--bg:var(--gold);--fg:var(--ink)}
.btn-ghost{--bg:transparent;--fg:currentColor;border-color:currentColor;opacity:.85}
.btn-ghost:hover{opacity:1;box-shadow:none}

/* ============================================================
   NAV
   ============================================================ */
.nav{
  position:sticky;top:0;z-index:80;
  background:rgba(10,14,28,.72);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line-dark);color:var(--text-inv);
  transition:background .3s;
}
.nav.is-light{background:rgba(245,246,250,.86);border-bottom-color:var(--line-light);color:var(--text)}
.nav-inner{display:flex;align-items:center;gap:2rem;height:66px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;font-family:var(--f-display);font-weight:800;letter-spacing:-.03em;font-size:1.15rem}
.brand-name em{font-style:normal;color:var(--gold)}
.brand-mark{
  width:26px;height:18px;border-radius:4px;flex:none;
  background:linear-gradient(115deg,var(--holo-1),var(--holo-2) 45%,var(--gold));
  box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.35);
  position:relative;
}
.brand-mark::after{content:"";position:absolute;left:3px;top:5px;width:7px;height:6px;border-radius:1.5px;background:var(--ink);opacity:.55}
.nav-links{display:flex;gap:1.6rem;margin-left:auto;font-size:.9rem;font-weight:500}
.nav-links a{text-decoration:none;opacity:.78;transition:opacity .2s}
.nav-links a:hover{opacity:1}
.nav .btn{--bg:var(--gold);--fg:var(--ink)}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;background:var(--ink);color:var(--text-inv);
  padding:clamp(3.5rem,7vw,6rem) 0 0;overflow:hidden;isolation:isolate;
}
.hero-bg{position:absolute;inset:-10% -5%;z-index:0;pointer-events:none}
.layer{position:absolute;inset:0;will-change:transform}
.layer-grid{
  background-image:
    linear-gradient(var(--line-dark) 1px,transparent 1px),
    linear-gradient(90deg,var(--line-dark) 1px,transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(ellipse 70% 60% at 60% 30%,#000 20%,transparent 75%);
  opacity:.55;
}
.layer-glow{
  background:
    radial-gradient(38rem 26rem at 78% 22%,rgba(107,227,255,.16),transparent 65%),
    radial-gradient(30rem 22rem at 20% 70%,rgba(181,139,255,.14),transparent 68%),
    radial-gradient(24rem 18rem at 62% 78%,rgba(233,184,76,.12),transparent 70%);
}
.layer-rupee{display:flex;flex-wrap:wrap;gap:6vw;padding:4rem;font-family:var(--f-display);font-size:9rem;color:#fff;opacity:.028;font-weight:800}

.hero-inner{
  position:relative;z-index:2;display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);
  gap:3rem;align-items:center;padding-bottom:clamp(3rem,6vw,5rem);
}
.hero-copy h1{color:#fff}
.hero-copy .eyebrow{color:var(--gold)}
.strike{position:relative;color:var(--text-inv-mute)}
.strike::after{
  content:"";position:absolute;left:0;right:0;top:52%;height:5px;
  background:var(--gold);border-radius:3px;transform:scaleX(0);transform-origin:left;
  animation:strike 1s var(--ease) .7s forwards;
}
@keyframes strike{to{transform:scaleX(1)}}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2.2rem}
.hero-actions .btn:first-child{--bg:var(--gold);--fg:var(--ink)}
.hero-actions .btn-ghost{color:var(--text-inv)}

/* ---------- The card stack (signature element) ---------- */
.hero-stage{perspective:1400px;perspective-origin:50% 45%;display:grid;place-items:center;min-height:min(58vh,460px)}
.stack{
  position:relative;width:min(100%,420px);aspect-ratio:1/.92;
  transform-style:preserve-3d;
  transform:rotateX(var(--rx,10deg)) rotateY(var(--ry,-16deg));
  transition:transform .45s var(--ease);
}
.cardart{
  position:absolute;left:50%;top:50%;width:300px;aspect-ratio:1.586/1;
  border-radius:18px;transform-style:preserve-3d;overflow:hidden;
  background:
    linear-gradient(150deg,#232C4E 0%,#151C36 55%,#0E1428 100%);
  box-shadow:
    0 26px 60px -22px rgba(0,0,0,.85),
    inset 0 1px 0 rgba(255,255,255,.16),
    inset 0 0 0 1px rgba(255,255,255,.07);
  animation:floaty 7s ease-in-out infinite;
}
@keyframes floaty{0%,100%{margin-top:0}50%{margin-top:-8px}}
.cardart .chip{
  position:absolute;left:26px;top:64px;width:44px;height:34px;border-radius:6px;
  background:linear-gradient(135deg,#F5D98B,var(--gold) 45%,var(--gold-deep));
  box-shadow:inset 0 0 0 1px rgba(0,0,0,.28);
}
.cardart .chip::before,.cardart .chip::after{
  content:"";position:absolute;left:0;right:0;height:1px;background:rgba(0,0,0,.3);
}
.cardart .chip::before{top:11px}
.cardart .chip::after{top:22px}
.cardart .holo{
  position:absolute;right:-30%;top:-40%;width:90%;height:190%;
  background:linear-gradient(105deg,transparent 20%,rgba(107,227,255,.5),rgba(181,139,255,.45),rgba(255,158,199,.4),transparent 80%);
  filter:blur(14px);opacity:.55;transform:rotate(14deg);
  transition:transform .5s var(--ease);
}
.cardart .strip{
  position:absolute;left:0;right:0;bottom:26px;height:2px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.28),transparent);
}
.cardart-label{
  position:absolute;left:26px;bottom:34px;font-family:var(--f-mono);
  font-size:.72rem;letter-spacing:.24em;text-transform:uppercase;
  color:rgba(255,255,255,.72);font-weight:500;
}
.cardart::after{
  content:"";position:absolute;right:20px;top:20px;width:34px;height:22px;border-radius:3px;
  background:repeating-linear-gradient(90deg,rgba(255,255,255,.22) 0 3px,transparent 3px 6px);
}
.c1{transform:translate(-50%,-50%) translate3d(-56px,-92px,110px) rotate(-9deg);animation-delay:0s}
.c2{transform:translate(-50%,-50%) translate3d(6px,-30px,60px) rotate(-3deg);animation-delay:.6s}
.c3{transform:translate(-50%,-50%) translate3d(-30px,42px,20px) rotate(3.5deg);animation-delay:1.2s}
.c4{transform:translate(-50%,-50%) translate3d(30px,110px,-30px) rotate(9deg);animation-delay:1.8s}
.c1{background:linear-gradient(150deg,#2B3A66,#141C38)}
.c2{background:linear-gradient(150deg,#1E3A4F,#0F1B2E)}
.c3{background:linear-gradient(150deg,#3A2B4F,#18122B)}
.c4{background:linear-gradient(150deg,#20402F,#0D1D18)}

/* ---------- Ticker ---------- */
.hero-ticker{
  position:relative;z-index:2;border-top:1px solid var(--line-dark);
  border-bottom:1px solid var(--line-dark);overflow:hidden;
  background:rgba(255,255,255,.02);
}
.ticker-track{
  display:flex;gap:2.2rem;white-space:nowrap;padding:.85rem 0;
  font-family:var(--f-mono);font-size:.78rem;color:var(--text-inv-mute);
  animation:ticker 46s linear infinite;width:max-content;
}
.ticker-track span:nth-child(even){color:var(--gold);opacity:.6}
@keyframes ticker{to{transform:translateX(-50%)}}

/* ============================================================
   PROBLEM BAND
   ============================================================ */
.band{background:var(--ink-2);color:var(--text-inv);padding:clamp(4rem,8vw,6.5rem) 0}
.band-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:3.5rem}
.band-lead .h2{color:#fff}
.band-lead em{font-style:italic;color:var(--gold)}
.band-items{display:grid;gap:1.6rem}
.fact{
  display:grid;grid-template-columns:minmax(6.5rem,auto) 1fr;gap:1.6rem;align-items:start;
  padding-bottom:1.6rem;border-bottom:1px solid var(--line-dark);
}
.band-items .fact:last-child{border-bottom:0;padding-bottom:0}
.fact-num{
  font-family:var(--f-mono);font-size:clamp(1.5rem,2.4vw,2rem);font-weight:600;
  color:var(--gold);margin:0;letter-spacing:-.02em;line-height:1.2;
}
.fact-body{margin:0;color:var(--text-inv-mute);font-size:.97rem}

/* ============================================================
   ENGINE
   ============================================================ */
.engine{padding:clamp(4rem,8vw,7rem) 0;background:var(--paper)}
.steps{display:grid;gap:1rem;max-width:var(--wrap)}
.step{border:1.5px solid var(--line-light);border-radius:var(--r-lg);background:#fff;overflow:hidden;transition:border-color .25s,box-shadow .25s}
.step.is-open{border-color:var(--ink-4);box-shadow:0 18px 40px -30px rgba(10,14,28,.5)}
.step-head{
  width:100%;display:flex;align-items:center;gap:1rem;padding:1.3rem 1.6rem;
  background:none;border:0;cursor:pointer;text-align:left;
}
.step-chip{
  flex:none;width:32px;height:22px;border-radius:5px;display:grid;place-items:center;
  background:linear-gradient(135deg,#F5D98B,var(--gold) 50%,var(--gold-deep));
  color:var(--ink);font-family:var(--f-mono);font-size:.78rem;font-weight:600;
  box-shadow:inset 0 0 0 1px rgba(0,0,0,.2);
}
.step-title{font-family:var(--f-display);font-weight:600;font-size:1.08rem;letter-spacing:-.015em}
.step-state{margin-left:auto;font-family:var(--f-mono);font-size:.78rem;color:var(--text-mute);text-align:right}
.step-body{padding:0 1.6rem 1.7rem}

/* sliders */
.sliders{display:grid;grid-template-columns:repeat(auto-fit,minmax(275px,1fr));gap:1.5rem 2.4rem;padding-top:.4rem}
.slider{display:block}
.slider-top{display:flex;align-items:baseline;gap:.6rem;margin-bottom:.5rem}
.slider-label{font-weight:600;font-size:.95rem}
.slider-hint{font-size:.78rem;color:var(--text-mute)}
.slider-val{
  margin-left:auto;font-family:var(--f-mono);font-weight:600;font-size:.95rem;
  background:var(--paper-2);padding:.15rem .55rem;border-radius:var(--r-sm);
}
.slider-val.is-zero{color:var(--text-mute);background:transparent}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:26px;background:transparent;cursor:pointer;
}
input[type=range]::-webkit-slider-runnable-track{height:5px;border-radius:99px;background:var(--paper-3)}
input[type=range]::-moz-range-track{height:5px;border-radius:99px;background:var(--paper-3)}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:22px;height:16px;margin-top:-5.5px;border-radius:4px;
  background:linear-gradient(135deg,#F5D98B,var(--gold) 50%,var(--gold-deep));
  box-shadow:0 2px 8px -2px rgba(0,0,0,.4),inset 0 0 0 1px rgba(0,0,0,.2);
}
input[type=range]::-moz-range-thumb{
  width:22px;height:16px;border:0;border-radius:4px;
  background:linear-gradient(135deg,#F5D98B,var(--gold) 50%,var(--gold-deep));
  box-shadow:0 2px 8px -2px rgba(0,0,0,.4),inset 0 0 0 1px rgba(0,0,0,.2);
}
.spend-total{
  display:flex;align-items:baseline;gap:1rem;margin-top:1.8rem;padding-top:1.2rem;
  border-top:1.5px dashed var(--line-light);font-size:.95rem;
}
.spend-total strong{margin-left:auto;font-family:var(--f-mono);font-size:1.35rem;letter-spacing:-.02em}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:.6rem;padding-top:.4rem}
.chip{
  display:inline-flex;flex-direction:column;gap:.1rem;align-items:flex-start;
  padding:.6rem 1rem;border-radius:var(--r-md);border:1.5px solid var(--line-light);
  background:#fff;cursor:pointer;transition:all .18s var(--ease);text-align:left;
}
.chip:hover{border-color:var(--ink-4);transform:translateY(-1px)}
.chip strong{font-size:.9rem;font-weight:600}
.chip small{font-size:.73rem;color:var(--text-mute)}
.chip[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:#fff}
.chip[aria-pressed=true] small{color:rgba(255,255,255,.62)}

/* fields */
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.3rem;padding-top:.4rem}
.field{display:grid;gap:.35rem}
.field-label{font-weight:600;font-size:.9rem}
.field-hint{font-size:.76rem;color:var(--text-mute)}
select,.search input{
  padding:.7rem .85rem;border:1.5px solid var(--line-light);border-radius:var(--r-md);
  background:#fff;font-size:.94rem;width:100%;
}
select:focus,.search input:focus{border-color:var(--ink-4);outline:none}

.engine-cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:2rem;align-items:center}

/* ============================================================
   RESULTS
   ============================================================ */
.results{background:var(--ink);color:var(--text-inv);padding:clamp(4rem,8vw,6.5rem) 0;position:relative}
.results::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(40rem 26rem at 80% 0%,rgba(107,227,255,.10),transparent 65%);
}
.results .wrap{position:relative}
.picks{list-style:none;margin:0;padding:0;display:grid;gap:1.2rem}
.pick{
  display:grid;grid-template-columns:auto minmax(0,1fr) minmax(0,auto);gap:1.8rem;
  padding:1.6rem;border:1px solid var(--line-dark);border-radius:var(--r-lg);
  background:linear-gradient(150deg,rgba(255,255,255,.055),rgba(255,255,255,.015));
  transition:border-color .25s,transform .25s var(--ease);
}
.pick:hover{border-color:rgba(233,184,76,.5);transform:translateY(-2px)}
.pick-rank{
  font-family:var(--f-mono);font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;
  writing-mode:vertical-rl;transform:rotate(180deg);color:var(--gold);align-self:start;
  padding-top:.2rem;font-weight:500;
}
.pick-main h3{font-size:1.5rem;color:#fff;letter-spacing:-.03em}
.pick-bank{font-family:var(--f-mono);font-size:.76rem;color:var(--text-inv-mute);letter-spacing:.08em;text-transform:uppercase;margin:.35rem 0 0}
.pick-blurb{color:var(--text-inv-mute);font-size:.95rem;margin:.9rem 0 0;max-width:52ch}
.pick-reasons{list-style:none;margin:1.1rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.45rem}
.pick-reasons li{
  font-size:.78rem;padding:.3rem .7rem;border-radius:999px;
  background:rgba(233,184,76,.13);color:#F4D389;border:1px solid rgba(233,184,76,.24);
}
.pick-value{text-align:right;min-width:11rem}
.pick-value .big{
  font-family:var(--f-mono);font-size:clamp(1.6rem,2.6vw,2.15rem);font-weight:600;
  color:var(--mint-bright);letter-spacing:-.03em;display:block;line-height:1.1;
}
.pick-value .cap{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--text-inv-mute);display:block;margin-top:.3rem}
.pick-lines{margin:1rem 0 0;font-family:var(--f-mono);font-size:.79rem;color:var(--text-inv-mute);display:grid;gap:.22rem}
.pick-lines b{color:var(--text-inv);font-weight:500}
.pick-actions{display:flex;gap:.5rem;justify-content:flex-end;margin-top:1.2rem;flex-wrap:wrap}
.pick-actions .btn{--bg:var(--gold);--fg:var(--ink);padding:.6rem 1.1rem;font-size:.86rem}
.pick-actions .btn-ghost{--bg:transparent;--fg:var(--text-inv);border-color:var(--line-dark)}

.wallet{margin-top:3.5rem;padding-top:2.5rem;border-top:1px solid var(--line-dark)}
.wallet .h3{color:#fff}
.wallet-rows{display:grid;gap:.6rem;margin-top:1.6rem}
.wallet-row{
  display:grid;grid-template-columns:minmax(8rem,1.1fr) minmax(0,1.6fr) auto;gap:1rem;align-items:center;
  padding:.85rem 1.1rem;border-radius:var(--r-md);background:rgba(255,255,255,.04);
  border:1px solid var(--line-dark);font-size:.92rem;
}
.wallet-cat{font-weight:600;color:#fff}
.wallet-card{color:var(--text-inv-mute)}
.wallet-card b{color:var(--gold);font-weight:600}
.wallet-val{font-family:var(--f-mono);color:var(--mint-bright);font-size:.9rem;white-space:nowrap}
.results-actions{display:flex;gap:.7rem;flex-wrap:wrap;margin-top:2.5rem}
.results-actions .btn{--fg:var(--text-inv);border-color:var(--line-dark)}

/* ============================================================
   BROWSE
   ============================================================ */
.browse{padding:clamp(4rem,8vw,7rem) 0;background:var(--paper-2)}
.filters{display:grid;gap:1rem;margin-bottom:1.6rem}
.search input{max-width:26rem}
.filter-row{display:flex;flex-wrap:wrap;gap:.45rem}
.pill{
  padding:.42rem .9rem;border-radius:999px;border:1.5px solid var(--line-light);
  background:#fff;cursor:pointer;font-size:.84rem;font-weight:500;transition:all .16s;
}
.pill:hover{border-color:var(--ink-4)}
.pill[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}
.filter-row-tags .pill[aria-pressed=true]{background:var(--gold-deep);border-color:var(--gold-deep)}
.result-count{font-family:var(--f-mono);font-size:.8rem;color:var(--text-mute);margin:0 0 1.2rem}

.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:1.1rem}
.tile{
  position:relative;text-align:left;padding:1.3rem;border-radius:var(--r-lg);
  background:#fff;border:1.5px solid var(--line-light);cursor:pointer;
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s;
  display:grid;gap:.75rem;align-content:start;
}
.tile:hover{transform:translateY(-4px);box-shadow:0 22px 40px -26px rgba(10,14,28,.55);border-color:var(--ink-4)}
.tile-swatch{height:5px;border-radius:99px;width:44px}
.tile-bank{font-family:var(--f-mono);font-size:.71rem;letter-spacing:.12em;text-transform:uppercase;color:var(--text-mute)}
.tile h3{font-size:1.12rem;letter-spacing:-.02em}
.tile-best{font-size:.87rem;color:var(--text-mute);margin:0}
.tile-stats{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.3rem}
.stat{
  font-family:var(--f-mono);font-size:.72rem;padding:.22rem .55rem;border-radius:var(--r-sm);
  background:var(--paper-2);color:var(--text);
}
.stat.is-free{background:rgba(31,191,139,.14);color:#0E7A57}
.stat.is-fee{background:var(--paper-2)}
.tile-rating{position:absolute;right:1.2rem;top:1.2rem;font-family:var(--f-mono);font-size:.78rem;color:var(--gold-deep);font-weight:600}
.empty{padding:3rem;text-align:center;color:var(--text-mute);grid-column:1/-1}

/* ============================================================
   METHOD
   ============================================================ */
.method{padding:clamp(4rem,8vw,7rem) 0;background:var(--paper)}
.method-list{list-style:none;counter-reset:m;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:2rem}
.method-list li{counter-increment:m;position:relative;padding-top:2.4rem;border-top:2px solid var(--ink)}
.method-list li::before{
  content:counter(m,decimal-leading-zero);position:absolute;top:.7rem;left:0;
  font-family:var(--f-mono);font-size:.78rem;color:var(--gold-deep);letter-spacing:.1em;font-weight:600;
}
.method-list h3{font-size:1.08rem;margin-bottom:.5rem;letter-spacing:-.02em}
.method-list p{margin:0;color:var(--text-mute);font-size:.93rem}
.caveat{
  margin-top:3rem;padding:1.6rem 1.8rem;border-radius:var(--r-lg);
  background:var(--paper-2);border-left:4px solid var(--gold);
}
.caveat h3{font-size:1rem;margin-bottom:.5rem}
.caveat p{margin:0;font-size:.9rem;color:var(--text-mute)}

/* ============================================================
   SIGNUP
   ============================================================ */
.signup{background:var(--ink-2);color:var(--text-inv);padding:clamp(3.5rem,7vw,5.5rem) 0}
.signup-inner{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.85fr);gap:3rem;align-items:center}
.signup .h2{color:#fff}
.signup .sec-sub{color:var(--text-inv-mute)}
.signup-form{display:flex;gap:.6rem;flex-wrap:wrap}
.signup-form input{
  flex:1 1 15rem;padding:.85rem 1.1rem;border-radius:999px;border:1.5px solid var(--line-dark);
  background:rgba(255,255,255,.05);color:#fff;
}
.signup-form input::placeholder{color:var(--text-inv-mute)}
.signup-form input:focus{border-color:var(--gold);outline:none}
.form-note{flex-basis:100%;margin:.2rem 0 0;font-family:var(--f-mono);font-size:.78rem;color:var(--mint-bright);min-height:1.2em}

/* ============================================================
   FAQ + FOOTER
   ============================================================ */
.faq{padding:clamp(4rem,8vw,7rem) 0;background:var(--paper)}
.faq-list{display:grid;gap:.5rem;max-width:52rem}
.faq details{border-bottom:1.5px solid var(--line-light);padding:1.1rem 0}
.faq summary{cursor:pointer;font-family:var(--f-display);font-weight:600;font-size:1.05rem;letter-spacing:-.015em;list-style:none;display:flex;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";margin-left:auto;font-family:var(--f-mono);color:var(--gold-deep);font-size:1.3rem;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:.9rem 0 0;color:var(--text-mute);font-size:.95rem;max-width:60ch}

.foot{background:var(--ink);color:var(--text-inv);padding:clamp(3rem,6vw,4.5rem) 0 2rem}
.foot-inner{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid var(--line-dark)}
.foot-brand .brand-name{font-family:var(--f-display);font-weight:800;font-size:1.3rem;margin:.7rem 0 .4rem;letter-spacing:-.03em}
.foot-brand .brand-name em{font-style:normal;color:var(--gold)}
.foot-tag{color:var(--text-inv-mute);font-size:.9rem;margin:0;max-width:26ch}
.foot-links{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:2rem}
.foot-links h3,.foot-links h4{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:.9rem;font-weight:500}
.foot-links a{display:block;text-decoration:none;color:var(--text-inv-mute);font-size:.9rem;padding:.22rem 0;transition:color .2s}
.foot-links a:hover{color:#fff}
.foot-legal{padding-top:2rem}
.foot-legal p{color:var(--text-inv-mute);font-size:.78rem;margin:0 0 .8rem;max-width:88ch;line-height:1.65}
.foot-meta{font-family:var(--f-mono);opacity:.65}

/* ============================================================
   MODAL
   ============================================================ */
.modal{position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:1.2rem}
.modal-scrim{position:absolute;inset:0;background:rgba(6,9,20,.72);backdrop-filter:blur(6px);animation:fade .25s}
@keyframes fade{from{opacity:0}}
.modal-panel{
  position:relative;background:#fff;border-radius:var(--r-xl);width:min(720px,100%);
  max-height:88vh;overflow:auto;box-shadow:0 40px 90px -30px rgba(0,0,0,.7);
  animation:pop .3s var(--ease);
}
@keyframes pop{from{opacity:0;transform:translateY(18px) scale(.98)}}
.modal-close{
  position:sticky;top:1rem;float:right;right:1rem;margin:1rem 1rem 0 0;z-index:3;
  width:36px;height:36px;border-radius:50%;border:1.5px solid var(--line-light);
  background:#fff;font-size:1.4rem;line-height:1;cursor:pointer;color:var(--text-mute);
}
.modal-close:hover{border-color:var(--ink);color:var(--ink)}
.modal-body{padding:1.8rem 2rem 2.2rem}
.m-hero{border-radius:var(--r-lg);padding:1.5rem;color:#fff;margin-bottom:1.6rem;position:relative;overflow:hidden}
.m-hero::after{
  content:"";position:absolute;right:-20%;top:-60%;width:60%;height:220%;
  background:linear-gradient(105deg,transparent,rgba(255,255,255,.16),transparent);transform:rotate(16deg);
}
.m-hero .m-bank{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;opacity:.8}
.m-hero h3{font-size:1.7rem;margin:.4rem 0 .5rem;letter-spacing:-.03em}
.m-hero p{margin:0;font-size:.9rem;opacity:.88;max-width:42ch}
.m-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.7rem;margin-bottom:1.6rem}
.m-stat{padding:.8rem .9rem;border-radius:var(--r-md);background:var(--paper-2)}
.m-stat span{display:block;font-family:var(--f-mono);font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--text-mute);margin-bottom:.25rem}
.m-stat b{font-family:var(--f-mono);font-size:1rem;font-weight:600}
.m-sec{margin-bottom:1.5rem}
.m-sec h4{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--text-mute);margin-bottom:.7rem;font-weight:500}
.m-sec p{margin:0;font-size:.95rem;color:var(--text-mute)}
.m-list{margin:0;padding-left:1.1rem;font-size:.93rem;color:var(--text-mute);display:grid;gap:.35rem}
.m-two{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.m-two h4{margin-bottom:.6rem}
.m-pro li::marker{color:var(--mint)}
.m-con li::marker{color:var(--rose)}
.m-rates{width:100%;border-collapse:collapse;font-size:.88rem}
.m-rates td{padding:.42rem 0;border-bottom:1px solid var(--paper-3)}
.m-rates td:last-child{text-align:right;font-family:var(--f-mono);font-weight:600}
.m-rates .zero td:last-child{color:var(--text-mute);font-weight:400}
.m-actions{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.6rem;padding-top:1.4rem;border-top:1.5px solid var(--paper-3)}
.m-actions .btn{--bg:var(--ink);--fg:#fff}
/* Must match .m-actions .btn's specificity or the ghost gets a dark
   background and dark text, which reads as a blank button. */
.m-actions .btn-ghost{--bg:transparent;--fg:var(--text);border-color:var(--line-light)}
.m-actions .btn-ghost:hover{border-color:var(--ink)}
.m-note{font-size:.76rem;color:var(--text-mute);margin-top:1rem;font-family:var(--f-mono)}

/* ============================================================
   REVEAL + RESPONSIVE
   ============================================================ */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

@media (max-width:980px){
  .hero-inner{grid-template-columns:1fr;gap:2.5rem}
  .hero-stage{order:-1;min-height:340px}
  .stack{width:min(100%,340px)}
  .cardart{width:250px}
  .band-grid,.signup-inner,.foot-inner{grid-template-columns:1fr;gap:2rem}
  .pick{grid-template-columns:auto 1fr}
  .pick-value{grid-column:2;text-align:left;margin-top:1rem}
  .pick-actions{justify-content:flex-start}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap{width:calc(100% - 2rem)}
  .nav-links{display:none}
  .hero{padding-top:2.5rem}
  .cardart{width:210px}
  .c1{transform:translate(-50%,-50%) translate3d(-38px,-70px,90px) rotate(-9deg)}
  .c2{transform:translate(-50%,-50%) translate3d(4px,-24px,50px) rotate(-3deg)}
  .c3{transform:translate(-50%,-50%) translate3d(-22px,32px,15px) rotate(3.5deg)}
  .c4{transform:translate(-50%,-50%) translate3d(22px,84px,-25px) rotate(9deg)}
  .fact{grid-template-columns:1fr;gap:.5rem}
  .m-two{grid-template-columns:1fr}
  .wallet-row{grid-template-columns:1fr;gap:.3rem}
  .modal-body{padding:1.2rem 1.3rem 1.8rem}
  .step-head{padding:1.1rem 1.1rem}
  .step-body{padding:0 1.1rem 1.4rem}
  .step-state{display:none}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important}
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none}
  .strike::after{transform:scaleX(1)}
}


/* ---------- Best-by-category (static, crawlable) ---------- */
.best{padding:clamp(4rem,8vw,7rem) 0;background:var(--paper-2)}
.best-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.6rem}
.best-item{
  background:#fff;border:1px solid var(--line-light);border-radius:var(--r-lg);
  padding:1.7rem 1.6rem 1.4rem;display:flex;flex-direction:column;gap:.7rem;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s
}
.best-item:hover{transform:translateY(-4px);box-shadow:0 22px 40px -26px rgba(10,14,28,.5);border-color:var(--paper-3)}
.best-item h3{font-size:1.1rem;letter-spacing:-.02em;line-height:1.25}
.best-item p{margin:0;color:var(--text-mute);font-size:.93rem}
.best-link{
  margin-top:auto;font-family:var(--f-mono);font-size:.78rem;letter-spacing:.04em;
  color:var(--gold-deep);text-decoration:none;border-bottom:1px solid transparent;
  align-self:flex-start;padding-top:.3rem
}
.best-link::after{content:" \2192"}
.best-link:hover{border-bottom-color:var(--gold-deep)}
.best .sec-sub a{color:var(--text);text-underline-offset:3px}