/* Phase 3 Benefits — site stylesheet
   Design system per build brief §3 and §14
   Fonts: League Gothic (display), Inter (Helvetica fallback, body), JetBrains Mono (code) */

/* Self-hosted fonts (latin subset, variable woff2) — no third-party requests.
   Inter & JetBrains Mono are variable fonts (one file covers every weight). */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('../fonts/inter.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'JetBrains Mono';
  font-style: normal;
  font-weight: 100 800;
  font-display: swap;
  src: url('../fonts/jetbrains-mono.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'League Gothic';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/league-gothic.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  /* Surface */
  --carbon: #1A1F24;
  --graphite: #3A4148;
  --plaster: #F5F1EA;
  --cloud: #FFFFFF;

  /* Brand */
  --deepwell: #1F6F73;
  --deepwell-2: #2A8B8F;
  --deepwell-ink: #155558;
  --mist-teal: #C6E0DD;
  --gold: #7D6932;
  --gold-ink: #6E5C2C;
  --gold-on-dark: #B89642;
  --citron: #C7C46A;
  --soft-citron: #EBE9C2;

  /* State */
  --success: #1C6B40;
  --warning: #7A4E0E;
  --error: #B53A2B;
  --info: #3F6FB0;

  /* Type */
  --font-display: 'League Gothic', 'Oswald', 'Impact', 'Helvetica Neue Condensed', 'Arial Narrow', sans-serif;
  --font-body: 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  --font-mono: 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  /* Layout */
  --maxw: 1280px;
  --gutter: 80px;
  --r-input: 4px;
  --r-card: 8px;
  --r-panel: 16px;
  --r-hero: 24px;

  /* Shadows */
  --shadow-card: 0 1px 2px rgba(26,31,36,0.04), 0 8px 24px rgba(26,31,36,0.06);
  --shadow-lift: 0 2px 4px rgba(26,31,36,0.06), 0 16px 40px rgba(26,31,36,0.1);

  /* Motion */
  --ease: cubic-bezier(0.2, 0, 0, 1);
  --t-fast: 120ms;
  --t-base: 200ms;
  --t-slow: 400ms;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--carbon);
  background: var(--cloud);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--deepwell); text-decoration: none; transition: color var(--t-fast) var(--ease); }
a:hover { color: var(--gold); }

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

h1, h2, h3, h4, h5, h6 { margin: 0 0 16px; color: var(--carbon); }

/* Display type */
.display-xl, .display-lg, .display-md, .display-sm {
  font-family: var(--font-display);
  font-weight: 400;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  line-height: 0.98;
  text-wrap: balance;
}
.display-xl { font-size: clamp(56px, 8vw, 96px); }
.display-lg { font-size: clamp(44px, 6vw, 72px); }
.display-md { font-size: clamp(36px, 4.5vw, 56px); }
.display-sm { font-size: clamp(28px, 3vw, 40px); font-style: italic; }
.display-tight { letter-spacing: 0; }
.title-narrow { max-width: 20ch; }
.br-mobile { display: none; }

h1 { font-size: clamp(28px, 3.4vw, 36px); font-weight: 700; line-height: 1.2; text-wrap: balance; }
h2 { font-size: clamp(24px, 2.6vw, 28px); font-weight: 700; line-height: 1.25; text-wrap: balance; }
h3 { font-size: clamp(20px, 2vw, 22px); font-weight: 600; line-height: 1.3; text-wrap: balance; }
.body-lg { font-size: 18px; line-height: 1.6; }
.body-sm { font-size: 14px; line-height: 1.55; color: var(--graphite); }
.eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--deepwell);
  margin-bottom: 16px;
}
.eyebrow-gold { color: var(--gold); }

/* Layout */
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 32px; }
.section { padding: 96px 0; }
.section-tight { padding: 64px 0; }
.section-plaster { background: var(--plaster); }
.section-carbon { background: var(--carbon); color: var(--plaster); }
.section-carbon h1, .section-carbon h2, .section-carbon h3 { color: var(--cloud); }
.section-carbon .eyebrow { color: var(--mist-teal); }
.section-gradient {
  background: linear-gradient(135deg, var(--plaster) 0%, var(--mist-teal) 100%);
}

.grid { display: grid; gap: 32px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-5 { grid-template-columns: repeat(5, 1fr); }
.grid-6 { grid-template-columns: repeat(6, 1fr); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 48px;
  padding: 0 24px;
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.01em;
  border: none;
  cursor: pointer;
  transition: all var(--t-fast) var(--ease);
  text-decoration: none;
}
.btn-lg { height: 56px; padding: 0 28px; font-size: 16px; }
.btn-primary {
  background: var(--deepwell);
  color: var(--cloud);
  box-shadow: 0 1px 2px rgba(31,111,115,0.4);
}
.btn-primary:hover { background: var(--deepwell-2); color: var(--cloud); box-shadow: var(--shadow-card); }
.btn-secondary {
  background: transparent;
  color: var(--carbon);
  border: 1.5px solid var(--carbon);
}
.btn-secondary:hover { background: var(--plaster); color: var(--carbon); }
.btn-tertiary {
  background: transparent;
  color: var(--deepwell);
  padding: 0;
  height: auto;
  font-weight: 600;
}
.btn-tertiary::after { content: '\2192'; transition: transform var(--t-fast) var(--ease); }
.btn-tertiary:hover { color: var(--gold); }
.btn-tertiary:hover::after { transform: translateX(4px); }
.section-carbon .btn-secondary,
.cta-band .btn-secondary,
.footer .btn-secondary { color: var(--plaster); border-color: var(--plaster); }
.section-carbon .btn-secondary:hover,
.cta-band .btn-secondary:hover,
.footer .btn-secondary:hover { background: var(--plaster); color: var(--carbon); border-color: var(--plaster); }

/* Header */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid rgba(26,31,36,0.06);
  transition: all var(--t-base) var(--ease);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
  max-width: var(--maxw); margin: 0 auto; padding: 0 32px;
}
/* Phase 3 brand mark — League Gothic wordmark per master brand guidelines */
.brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}
/* Wordmark matches the Phase 3 Benefits card: Inter Bold, pipe divider, carbon + muted gold */
.brand-mark {
  font-family: 'Inter', 'Helvetica Neue', Helvetica, sans-serif;
  font-weight: 800;
  font-size: 20px;
  color: var(--carbon);
  letter-spacing: -0.005em;
  line-height: 1;
  text-transform: uppercase;
  display: inline-flex; align-items: center; gap: 10px;
  white-space: nowrap;
}
.brand-mark .brand-divider {
  display: inline-block;
  width: 1.5px; height: 18px;
  background: var(--gold);
  opacity: 0.9;
  flex: 0 0 auto;
}
.brand-mark .accent { color: var(--gold); font-weight: 800; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--graphite);
  border-radius: 6px;
  transition: all var(--t-fast) var(--ease);
}
.nav-link:hover, .nav-link.active { color: var(--carbon); background: var(--plaster); }
/* Solutions dropdown */
.nav-item-dropdown { position: relative; display: inline-flex; }
.nav-dropdown-toggle {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: inherit; font-size: 14px; font-weight: 500;
  color: var(--graphite); background: transparent; border: none; cursor: pointer;
  padding: 8px 14px; border-radius: 6px;
  transition: all var(--t-fast) var(--ease);
}
.nav-item-dropdown:hover .nav-dropdown-toggle,
.nav-dropdown-toggle:hover,
.nav-dropdown-toggle.active,
.nav-dropdown-toggle[aria-expanded="true"] { color: var(--carbon); background: var(--plaster); }
.nav-caret {
  width: 7px; height: 7px;
  border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  transition: transform var(--t-fast) var(--ease);
}
.nav-item-dropdown:hover .nav-caret,
.nav-dropdown-toggle[aria-expanded="true"] .nav-caret { transform: rotate(-135deg) translateY(2px); }
.nav-dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  min-width: 220px;
  background: #fff; border: 1px solid rgba(26,31,36,0.08);
  border-radius: 12px; box-shadow: 0 12px 32px rgba(26,31,36,0.12);
  padding: 8px; display: flex; flex-direction: column; gap: 2px;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity var(--t-fast) var(--ease), transform var(--t-fast) var(--ease), visibility var(--t-fast) var(--ease);
  z-index: 120;
}
.nav-item-dropdown:hover .nav-dropdown-menu,
.nav-item-dropdown:focus-within .nav-dropdown-menu,
.nav-dropdown-menu.open { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown-link {
  padding: 9px 12px; border-radius: 8px; white-space: nowrap;
  font-size: 14px; font-weight: 500; color: var(--graphite);
  transition: all var(--t-fast) var(--ease);
}
.nav-dropdown-link:hover, .nav-dropdown-link.active { color: var(--carbon); background: var(--plaster); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.signin-link { font-size: 14px; font-weight: 500; color: var(--graphite); }
.signin-link:hover { color: var(--carbon); }
.nav-toggle {
  display: none;
  width: 40px; height: 40px;
  background: transparent; border: none;
  cursor: pointer;
}
.nav-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--carbon);
  margin: 5px auto;
  transition: all var(--t-base) var(--ease);
}

/* Hero */
.hero {
  position: relative;
  padding: 96px 0 64px;
  background:
    radial-gradient(1200px 600px at 80% -10%, rgba(31,111,115,0.10), transparent 60%),
    radial-gradient(900px 500px at 10% 100%, rgba(199,196,106,0.08), transparent 60%),
    var(--plaster);
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-copy h1, .hero-copy .display-xl { margin-bottom: 24px; }
.hero-sub { font-size: 19px; line-height: 1.55; color: var(--graphite); max-width: 560px; margin: 0 0 32px; }
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-visual { position: relative; min-height: 480px; }

/* Homepage: hero fills the first screen */
.hero-screen {
  display: flex;
  flex-direction: column;
  min-height: calc(100vh - 72px);
}
.hero-screen .hero {
  flex: 1 0 auto;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
/* Homepage hero card only: center the card's vertical midpoint on the copy
   block's midpoint (the grid is align-items:center), and use a calmer/flatter
   angle (matches the mobile @768 transform). Scoped to .hero-screen so other
   pages' hero visuals and the lower "CARD" mockup are unaffected. */
.hero-screen .hero-visual { display: flex; align-items: center; justify-content: center; }
.hero-screen .hero-visual .visa-card { transform: rotateY(-8deg) rotate(-2deg); }
.logo-cloud {
  gap: 48px 64px;
  opacity: 1;
}
.logo-cloud .logo {
  height: 36px;
  width: auto;
  max-width: 140px;
  object-fit: contain;
  transition: transform 0.2s ease;
}
.logo-cloud .logo:hover {
  transform: translateY(-2px);
}
@media (max-width: 720px) {
  .logo-cloud { gap: 28px 36px; }
  .logo-cloud .logo { height: 28px; max-width: 110px; }
}
/* Integration logos — single-row auto-scrolling carousel */
.logo-marquee {
  position: relative;
  overflow: hidden;
  margin-top: 8px;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
}
.logo-track {
  display: flex;
  flex-wrap: nowrap;
  width: max-content;
  align-items: center;
  animation: logo-scroll 50s linear infinite;
}
.logo-marquee:hover .logo-track { animation-play-state: paused; }
.logo-item {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-right: 60px;
}
.logo-item img {
  width: 30px; height: 30px;
  object-fit: contain;
  border-radius: 7px;
  flex: 0 0 auto;
}
.logo-item span {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 16px;
  letter-spacing: -0.01em;
  color: #1A1F24;
  white-space: nowrap;
}
@keyframes logo-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .logo-marquee { overflow-x: auto; }
  .logo-track { animation: none; }
}

/* Cards */
.card {
  background: var(--cloud);
  border-radius: var(--r-card);
  padding: 32px;
  box-shadow: var(--shadow-card);
  transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease);
}
.card-bordered {
  background: var(--cloud);
  border: 1px solid rgba(26,31,36,0.08);
  border-radius: var(--r-card);
  padding: 32px;
}
.card-panel {
  background: var(--cloud);
  border-radius: var(--r-panel);
  padding: 40px;
  box-shadow: var(--shadow-card);
}
.card-pathway {
  display: block;
  background: var(--cloud);
  border-radius: var(--r-card);
  padding: 28px;
  border: 1px solid rgba(26,31,36,0.08);
  text-decoration: none;
  transition: all var(--t-base) var(--ease);
}
.card-pathway:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lift);
  border-color: var(--deepwell);
}
.card-pathway h3 { color: var(--carbon); }
.card-pathway:hover h3 { color: var(--deepwell); }
.card-pathway .arrow {
  display: inline-block; margin-top: 16px;
  font-weight: 600; color: var(--deepwell);
}

/* Section title block */
.section-title {
  text-align: center;
  margin-bottom: 64px;
}
.section-title .display-md { margin: 0 auto 16px; max-width: 880px; }
.section-title p { max-width: 640px; margin: 0 auto; color: var(--graphite); font-size: 18px; }

/* Feature tile */
.feature-tile {
  background: var(--cloud);
  border: 1px solid rgba(26,31,36,0.08);
  border-radius: var(--r-card);
  padding: 28px;
  transition: all var(--t-base) var(--ease);
}
.feature-tile:hover { border-color: var(--deepwell); box-shadow: var(--shadow-card); }
.feature-tile .icon {
  width: 44px; height: 44px;
  display: flex; align-items: center; justify-content: center;
  background: var(--mist-teal);
  border-radius: 8px;
  margin-bottom: 20px;
  color: var(--deepwell);
}
.feature-tile h3 { margin: 0 0 8px; font-size: 18px; }
.feature-tile p { margin: 0; color: var(--graphite); font-size: 15px; }

/* Stat block */
.stat-block { text-align: left; }
.stat-block .num {
  font-family: var(--font-display);
  font-size: 64px;
  color: var(--deepwell);
  line-height: 1;
  letter-spacing: 0.02em;
}
.stat-block .label {
  display: block; margin-top: 8px;
  font-size: 13px; font-weight: 600;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--graphite);
}

/* Comparison table */
.compare {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--cloud);
  border-radius: var(--r-card);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.compare th, .compare td {
  padding: 18px 24px;
  text-align: left;
  border-bottom: 1px solid rgba(26,31,36,0.06);
  font-size: 15px;
}
.compare th {
  font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--graphite);
  background: var(--plaster);
}
.compare th.col-us { color: var(--deepwell); }
.compare td.label { font-weight: 600; }
.compare tr:last-child td { border-bottom: none; }
.compare .check { color: var(--deepwell); font-weight: 700; }
.compare .x { color: var(--graphite); }

/* Pull quote */
.pull-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.2;
  color: var(--carbon);
  border-left: 4px solid var(--deepwell);
  padding-left: 24px;
  margin: 32px 0;
}

/* CTA band */
.cta-band {
  background: var(--carbon);
  color: var(--plaster);
  padding: 96px 0;
  text-align: center;
}
.cta-band .display-md { color: var(--cloud); }
.cta-band p { color: var(--mist-teal); max-width: 560px; margin: 0 auto 32px; font-size: 18px; }
.cta-band .hero-cta { justify-content: center; }

/* Footer */
.footer { background: var(--carbon); color: var(--plaster); padding: 80px 0 32px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .brand-mark { color: #F2EDE4; font-size: 22px; }
.footer-brand .brand-mark .accent { color: var(--gold); }
.footer-brand .brand-mark .brand-divider { background: var(--gold); height: 20px; }
.footer-tagline {
  margin: 14px 0 0;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-style: italic;
  color: var(--gold-on-dark);
  letter-spacing: 0.02em;
  max-width: 280px;
}
.footer-brand p { color: rgba(245,241,234,0.7); font-size: 14px; max-width: 280px; }
.footer h2 {
  font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--mist-teal); margin-bottom: 16px;
}
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(245,241,234,0.8); font-size: 14px; }
.footer-links a:hover { color: var(--gold); }
.footer-utility {
  border-top: 1px solid rgba(245,241,234,0.1);
  padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px;
  font-size: 13px;
  color: rgba(245,241,234,0.55);
}
.footer-utility a { color: rgba(245,241,234,0.7); margin-right: 16px; }
.footer-disclaimer {
  margin-top: 24px;
  font-size: 12px;
  color: rgba(245,241,234,0.5);
  line-height: 1.6;
  max-width: 920px;
}

/* Forms */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 13px; font-weight: 600; color: var(--carbon); }
.form-field input, .form-field select, .form-field textarea {
  height: 48px;
  padding: 0 14px;
  border: 1px solid rgba(26,31,36,0.2);
  border-radius: var(--r-input);
  font-family: var(--font-body);
  font-size: 15px;
  background: var(--cloud);
  color: var(--carbon);
  transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
}
.form-field textarea { height: 120px; padding: 12px 14px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--deepwell);
  box-shadow: 0 0 0 3px rgba(31,111,115,0.15);
}
.form-field .checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--graphite); }
.form-field .checkbox-row input { height: auto; width: auto; }

/* Honeypot — off-screen spam trap (absolute = excluded from grid/flow). */
.hp-field { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* Sign-in page — centered single-card auth (static preview; no real auth) */
.signin-card { max-width: 460px; margin: 0 auto; }
.signin-aux { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.signin-aux .checkbox-row { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; color: var(--graphite); cursor: pointer; }
.signin-aux .checkbox-row input { width: auto; height: auto; }
.signin-aux a { font-size: 14px; font-weight: 600; }
.signin-submit { width: 100%; }
.signin-note {
  display: none;
  margin-top: 16px;
  padding: 14px;
  border-radius: var(--r-card);
  background: #E2F1EB;
  color: var(--deepwell);
  font-size: 14px;
}
.signin-note.is-visible { display: block; }
.signin-alt { margin-top: 24px; padding-top: 24px; border-top: 1px solid rgba(26,31,36,0.08); text-align: center; }
.signin-alt p { margin: 0; }

/* Visa card mockup — Phase 3 Benefits Option B (Warm Plaster Healthcare Card)
   Plaster #F2EDE4 face, carbon "PHASE 3" + muted gold "FSA" with pipe divider.
   Debossed medical cross watermark. Subtle wave pattern at the base. Numberless front. */
.card-mockup-wrap {
  position: relative;
  display: flex; align-items: center; justify-content: center;
  perspective: 1200px;
}
.visa-card {
  width: 380px;
  aspect-ratio: 1.586; /* CR80 */
  border-radius: 14px;
  background:
    radial-gradient(140% 110% at 0% 0%, rgba(255,255,255,0.7), transparent 55%),
    linear-gradient(160deg, #FAF6EE 0%, #F2EDE4 50%, #E8E0CF 100%);
  color: #1A1F24;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.85) inset,
    0 -1px 0 rgba(0,0,0,0.07) inset,
    0 30px 60px -10px rgba(60,52,40,0.22),
    0 18px 30px -20px rgba(60,52,40,0.28);
  transform: rotateY(-12deg) rotateX(8deg) rotate(-4deg);
  padding: 24px 26px;
  display: grid;
  grid-template-rows: auto 1fr auto;
  position: relative;
  overflow: hidden;
}
/* Subtle wave pattern across the lower half — paper-deboss feel */
.visa-card::before {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 60%;
  background-image:
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 600 200' preserveAspectRatio='none'><path d='M0,160 C100,120 200,180 300,140 C400,100 500,170 600,130' fill='none' stroke='%23B89968' stroke-width='0.7' opacity='0.18'/><path d='M0,180 C100,140 200,200 300,160 C400,120 500,190 600,150' fill='none' stroke='%23B89968' stroke-width='0.7' opacity='0.13'/><path d='M0,140 C100,100 200,160 300,120 C400,80 500,150 600,110' fill='none' stroke='%23B89968' stroke-width='0.7' opacity='0.1'/></svg>");
  background-size: 100% 100%;
  background-repeat: no-repeat;
  pointer-events: none;
}
/* Debossed medical cross in upper-right area */
.visa-card .vc-cross {
  position: absolute;
  top: 38%; left: 62%;
  width: 60px; height: 60px;
  opacity: 0.18;
  pointer-events: none;
}
.visa-card .vc-cross::before,
.visa-card .vc-cross::after {
  content: '';
  position: absolute;
  background: linear-gradient(135deg, rgba(0,0,0,0.18) 0%, rgba(255,255,255,0.5) 60%);
  border-radius: 3px;
}
.visa-card .vc-cross::before {
  top: 0; left: 38%;
  width: 24%; height: 100%;
}
.visa-card .vc-cross::after {
  top: 38%; left: 0;
  width: 100%; height: 24%;
}
.visa-card .vc-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 1; }
.visa-card .vc-brand {
  font-family: 'Inter', 'Helvetica Neue', sans-serif;
  font-weight: 800;
  font-size: 26px;
  color: #1A1F24;
  letter-spacing: -0.005em;
  line-height: 1;
  display: inline-flex; align-items: center; gap: 12px;
}
.visa-card .vc-brand .vc-divider {
  display: inline-block;
  width: 1.5px; height: 22px;
  background: var(--gold);
  opacity: 0.85;
}
.visa-card .vc-brand .accent {
  color: var(--gold);
  font-weight: 800;
}
.visa-card .vc-mid { position: relative; z-index: 1; display: flex; align-items: flex-start; gap: 14px; margin-top: 4px; }
.visa-card .vc-chip {
  width: 44px; height: 34px;
  background: var(--gold);
  border-radius: 5px;
  position: relative;
  box-shadow: 0 0 0 0.5px rgba(0,0,0,0.25), 0 1px 1px rgba(0,0,0,0.15) inset;
}
.visa-card .vc-chip::after {
  content: '';
  position: absolute; inset: 5px;
  border: 1px solid rgba(0,0,0,0.18);
  border-radius: 3px;
  background:
    linear-gradient(180deg, transparent 30%, rgba(0,0,0,0.12) 30%, rgba(0,0,0,0.12) 34%, transparent 34%),
    linear-gradient(180deg, transparent 62%, rgba(0,0,0,0.12) 62%, rgba(0,0,0,0.12) 66%, transparent 66%);
}
.visa-card .vc-contactless {
  width: 24px; height: 24px;
  flex: none;
  margin-top: 3px;
  color: var(--gold);
  opacity: 0.55;
}
.visa-card .vc-bottom { display: flex; justify-content: space-between; align-items: flex-end; position: relative; z-index: 1; }
.visa-card .vc-name {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 11px;
  color: #1A1F24;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.visa-card .vc-visa {
  font-family: 'Inter', sans-serif;
  font-style: italic;
  font-weight: 800;
  font-size: 22px;
  color: #1A1F24;
  letter-spacing: 0.01em;
  line-height: 1;
}

/* Phone mockup */
.phone-mockup {
  width: 280px;
  aspect-ratio: 0.49;
  background: var(--carbon);
  border-radius: 36px;
  padding: 10px;
  box-shadow: 0 30px 60px -10px rgba(26,31,36,0.4);
  margin: 0 auto;
}
.phone-screen {
  width: 100%; height: 100%;
  background: var(--plaster);
  border-radius: 28px;
  overflow: hidden;
  position: relative;
}
.phone-status-bar {
  height: 36px;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 20px;
  font-size: 11px; font-weight: 600;
  color: var(--carbon);
}
.phone-header { padding: 8px 20px 12px; }
.phone-header .greet { font-size: 11px; color: var(--graphite); }
.phone-header .name { font-size: 18px; font-weight: 700; color: var(--carbon); }
.phone-tile {
  margin: 8px 16px;
  padding: 14px;
  background: var(--cloud);
  border-radius: 12px;
  box-shadow: 0 1px 2px rgba(0,0,0,0.04);
}
.phone-tile .small { font-size: 10px; color: var(--graphite); letter-spacing: 0.08em; text-transform: uppercase; font-weight: 600; }
.phone-tile .big {
  font-family: var(--font-display);
  font-size: 32px;
  color: var(--carbon);
  line-height: 1;
  margin-top: 4px;
}
.phone-tile .row {
  display: flex; align-items: center; justify-content: space-between;
  margin-top: 8px;
  font-size: 11px;
}
.phone-tile .row .pos { color: var(--success); font-weight: 600; }
.phone-tile.invest { background: var(--deepwell-ink); color: var(--plaster); }
.phone-tile.invest .small { color: var(--mist-teal); }
.phone-tile.invest .big { color: var(--cloud); font-size: 24px; }
.phone-cta {
  margin: 16px;
  height: 36px;
  background: var(--carbon); color: var(--plaster);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 600;
}

/* Admin portal mockup */
.admin-mockup {
  background: var(--cloud);
  border-radius: 12px;
  box-shadow: var(--shadow-lift);
  overflow: hidden;
  border: 1px solid rgba(26,31,36,0.08);
}
.admin-bar {
  height: 40px;
  background: var(--plaster);
  display: flex; align-items: center; gap: 8px;
  padding: 0 16px;
  border-bottom: 1px solid rgba(26,31,36,0.06);
}
.admin-bar .dot { width: 10px; height: 10px; border-radius: 50%; background: var(--gold); }
.admin-bar .dot.r { background: #E5A19D; }
.admin-bar .dot.y { background: #E5CD9D; }
.admin-bar .dot.g { background: #9DD0B0; }
.admin-bar .url {
  margin-left: 16px;
  font-family: var(--font-mono); font-size: 11px;
  color: var(--graphite);
  background: var(--cloud);
  padding: 4px 12px;
  border-radius: 4px;
}
.admin-content { padding: 24px; min-height: 320px; }
.admin-content .dash-title {
  margin: 0 0 4px;
  font-family: var(--font-display);
  font-size: 22px; color: var(--carbon); letter-spacing: 0.04em;
}
.admin-content .sub { color: var(--graphite); font-size: 13px; margin-bottom: 20px; }
.admin-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; margin-bottom: 20px; }
.admin-stat { background: var(--plaster); border-radius: 8px; padding: 14px; }
.admin-stat .l { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--graphite); }
.admin-stat .v { font-family: var(--font-display); font-size: 26px; color: var(--carbon); line-height: 1; margin-top: 4px; }
.admin-stat .d { font-size: 11px; color: var(--success); margin-top: 4px; font-weight: 600; }
.admin-chart {
  height: 100px;
  background: linear-gradient(180deg, rgba(31,111,115,0.06) 0%, transparent 100%);
  border-bottom: 2px solid var(--deepwell);
  position: relative;
  overflow: hidden;
  border-radius: 6px;
}
.admin-chart svg { width: 100%; height: 100%; }
.admin-rows { margin-top: 16px; display: flex; flex-direction: column; gap: 8px; }
.admin-row {
  display: grid; grid-template-columns: 1fr auto auto; gap: 12px;
  padding: 10px 12px;
  background: var(--plaster);
  border-radius: 6px;
  font-size: 12px;
}
.admin-row .name { color: var(--carbon); font-weight: 500; }
.admin-row .amt { font-family: var(--font-mono); color: var(--carbon); }
.admin-row .stat-tag {
  font-size: 10px; font-weight: 700; padding: 2px 8px;
  border-radius: 4px; text-transform: uppercase; letter-spacing: 0.08em;
}
.admin-row .stat-tag.ok { background: rgba(47,143,91,0.12); color: var(--success); }
.admin-row .stat-tag.pen { background: rgba(198,138,46,0.12); color: var(--warning); }

/* Code block (API page) */
.code-block {
  background: var(--carbon);
  color: var(--mist-teal);
  border-radius: 12px;
  padding: 24px;
  font-family: var(--font-mono);
  font-size: 13px;
  line-height: 1.7;
  overflow-x: auto;
}
.code-block .k { color: var(--citron); }
.code-block .s { color: #B8DDD9; }
.code-block .n { color: var(--gold-on-dark); }
.code-block .c { color: rgba(198,224,221,0.6); }

/* Audience grid pathway */
.pathway-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

/* FAQ */
.faq-list { display: flex; flex-direction: column; gap: 16px; }
.faq {
  background: var(--cloud);
  border: 1px solid rgba(26,31,36,0.08);
  border-radius: var(--r-card);
  padding: 20px 24px;
  cursor: pointer;
}
.faq summary {
  font-weight: 600;
  color: var(--carbon);
  list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font-size: 22px; color: var(--deepwell); transition: transform var(--t-base) var(--ease); }
.faq[open] summary::after { transform: rotate(45deg); }
.faq p { margin: 12px 0 0; color: var(--graphite); }

/* Tag chip */
.chip {
  display: inline-flex; align-items: center;
  padding: 4px 12px;
  background: var(--mist-teal);
  color: var(--deepwell-ink);
  border-radius: 100px;
  font-size: 12px; font-weight: 600;
  letter-spacing: 0.04em;
}
.chip-gold { background: var(--soft-citron); color: var(--gold-ink); }
.chip-live { background: var(--deepwell); color: #ffffff; }

.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 link */
.skip-link {
  position: absolute; left: -9999px; top: 0;
  padding: 8px 16px;
  background: var(--carbon); color: var(--cloud);
  z-index: 200;
}
.skip-link:focus { left: 16px; top: 16px; }

/* Resource card */
.resource-card {
  display: block;
  background: var(--cloud);
  border: 1px solid rgba(26,31,36,0.08);
  border-radius: var(--r-card);
  padding: 24px;
  text-decoration: none;
  transition: all var(--t-base) var(--ease);
}
.resource-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lift); border-color: var(--deepwell); }
.resource-card .chip { margin-bottom: 16px; }
.resource-card h3 { color: var(--carbon); margin-bottom: 8px; }
.resource-card p { color: var(--graphite); margin: 0; font-size: 14px; }

/* Misc utilities */
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; } .mt-16 { margin-top: 16px; } .mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; } .mt-48 { margin-top: 48px; } .mt-64 { margin-top: 64px; }
.mb-0 { margin-bottom: 0; } .mb-16 { margin-bottom: 16px; } .mb-24 { margin-bottom: 24px; } .mb-32 { margin-bottom: 32px; }
.hide-desktop { display: none; }

/* Responsive */
@media (max-width: 1180px) {
  .nav { display: none; }
  .nav-toggle { display: block; }
  .signin-link { display: none; }
  .nav-cta .btn { display: none; }
}
@media (max-width: 1024px) {
  .container { padding: 0 24px; }
  .grid-5, .grid-6 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .pathway-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .grid-2, .grid-3, .grid-4, .grid-5, .grid-6 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .pathway-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .container { padding: 0 20px; }
  .hero { padding: 40px 0; }
  .hero-screen { min-height: auto; }
  .hero-screen .hero { flex: 0 0 auto; justify-content: center; min-height: calc(100vh - 60px); }
  .hero-grid { display: flex; flex-direction: column; gap: 0; align-items: stretch; }
  .hero-copy { display: contents; }
  .hero-copy .eyebrow { order: 1; }
  .hero-copy h1 { order: 2; }
  .hero-visual { order: 3; min-height: 0; margin: 4px 0 28px; }
  .hero-copy .hero-sub { order: 4; }
  .hero-copy .hero-cta { order: 5; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .btn { width: 100%; }
  .visa-card { width: 280px; transform: rotateY(-8deg) rotate(-2deg); }
  .header-inner { height: 60px; }
  .brand-mark { font-size: 22px; }
  .hide-mobile { display: none; }
  .br-mobile { display: inline; }
  .display-tight-m { letter-spacing: 0; }

  /* Mobile systemic: let grid/flex children shrink so unshrinkable content
     (mockups, code blocks, mono text) clips/scrolls inside its own box instead
     of forcing the whole page wider than the screen. */
  .grid > * { min-width: 0; }

  /* Long unbreakable strings (URLs, emails) wrap instead of overflowing. */
  .btn, a { overflow-wrap: anywhere; }

  /* Comparison table -> stacked cards (one card per row, no sideways scroll) */
  .compare { background: transparent; box-shadow: none; border-radius: 0; }
  /* Hide the header row visually but keep the column names for screen readers. */
  .compare thead {
    position: absolute; width: 1px; height: 1px;
    padding: 0; margin: -1px; overflow: hidden;
    clip: rect(0 0 0 0); white-space: nowrap; border: 0;
  }
  .compare tbody, .compare tr, .compare td { display: block; }
  .compare tr {
    background: var(--cloud);
    border-radius: var(--r-card);
    box-shadow: var(--shadow-card);
    padding: 4px 20px 12px;
    margin-bottom: 16px;
  }
  .compare tr:last-child { margin-bottom: 0; }
  .compare td { padding: 12px 0; border-bottom: 1px solid rgba(26,31,36,0.06); font-size: 15px; }
  .compare tr td:last-child { border-bottom: none; }
  .compare td.label {
    font-size: 17px; font-weight: 700; color: var(--carbon); padding-top: 16px;
  }
  .compare td[data-label]::before {
    content: attr(data-label);
    display: block;
    margin-bottom: 4px;
    font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--graphite);
  }

  /* Admin dashboard mockup — keep the 3 stat cards on one row by letting them
     shrink and truncating long labels with an ellipsis (mobile only). */
  .admin-stats { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
  .admin-stat { min-width: 0; }
  .admin-stat .l { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

  /* Admin transaction rows — name on its own line, with amount (left) and status
     (right) aligned on the line below so the columns line up cleanly (mobile only). */
  .admin-row { grid-template-columns: 1fr auto; gap: 4px 10px; }
  .admin-row .name { grid-column: 1 / -1; }
  .admin-row .amt { justify-self: start; }
  .admin-row .stat-tag { justify-self: end; align-self: center; }

  /* Feature tiles — compact icon-left rows on mobile (Option A): the icon sits
     in column 1 spanning both rows, with the title and description stacked in
     column 2 so each tile reads as a tight horizontal row (mobile only). */
  .feature-tile { display: grid; grid-template-columns: auto 1fr; column-gap: 14px; padding: 16px; }
  .feature-tile .icon { width: 40px; height: 40px; margin-bottom: 0; grid-row: 1 / span 2; align-self: start; }
  .feature-tile h3 { grid-column: 2; margin: 0 0 4px; font-size: 16px; }
  .feature-tile p { grid-column: 2; font-size: 14px; }
}

/* Mobile nav drawer */
.mobile-nav {
  position: fixed; inset: 0;
  background: var(--cloud);
  z-index: 90;
  padding: 96px 32px 32px;
  transform: translateY(-110%);
  transition: transform var(--t-base) var(--ease);
  overflow-y: auto;
}
.mobile-nav.open { transform: translateY(0); }
.mobile-nav a {
  display: block;
  padding: 14px 0;
  font-size: 18px;
  font-weight: 500;
  color: var(--carbon);
  border-bottom: 1px solid rgba(26,31,36,0.08);
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { margin-top: 16px; width: 100%; display: flex; align-items: center; justify-content: center; height: 48px; padding: 0 24px; }
.mobile-nav .btn-primary { color: var(--cloud); }
.mobile-nav-heading {
  display: block; margin-top: 18px; padding: 6px 0;
  font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: #6B7075;
}
.mobile-nav a.mobile-nav-sub { padding-left: 16px; }

/* Print-friendly */
@media print {
  .header, .footer, .nav-toggle, .mobile-nav { display: none; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* === Additions for legal, report, article, signin pages === */
.hero-tight { padding: 64px 0 32px; }
.legal-page .legal-section, .report-section { padding: 32px 0; border-top: 1px solid rgba(26,31,36,0.08); }
.legal-page .legal-section:first-child, .report-section:first-child { border-top: none; padding-top: 0; }
.legal-page h2, .report-section h2 {
  font-size: 26px; font-weight: 700; color: var(--carbon);
  margin: 0 0 16px; scroll-margin-top: 100px;
}
.legal-grid, .report-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 64px;
  align-items: flex-start;
}
.legal-toc, .report-toc {
  position: sticky; top: 96px;
  font-size: 14px;
}
.legal-toc .toc-title, .report-toc .toc-title {
  font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--graphite); margin: 0 0 12px;
}
.legal-toc ol, .report-toc ol {
  list-style: none; padding: 0; margin: 0;
  border-left: 1px solid rgba(26,31,36,0.1);
}
.legal-toc li, .report-toc li { padding: 6px 0 6px 16px; margin-left: -1px; }
.legal-toc a, .report-toc a {
  color: var(--graphite); font-size: 13px; line-height: 1.5;
  display: block;
}
.legal-toc a:hover, .report-toc a:hover { color: var(--deepwell); }
.report-aside-cta {
  margin-top: 32px; padding: 20px;
  background: var(--plaster);
  border-radius: var(--r-card);
}
.report-aside-cta .btn { width: 100%; margin-top: 12px; display: flex; align-items: center; justify-content: center; height: 48px; padding: 0 24px; }
.report-aside-cta .aside-cta-title { margin: 0 0 16px; color: var(--carbon); font-size: 16px; font-weight: 700; }
.legal-content p, .report-content p { font-size: 16px; line-height: 1.7; color: var(--graphite); margin: 0 0 14px; }
.legal-content ul, .report-content ul { padding-left: 20px; margin: 0 0 14px; }
.legal-content li, .report-content li { color: var(--graphite); margin-bottom: 8px; line-height: 1.6; }
.legal-content strong, .report-content strong { color: var(--carbon); }
.report-hero {
  background:
    radial-gradient(1000px 500px at 80% -10%, rgba(31,111,115,0.08), transparent 60%),
    var(--plaster);
  padding: 96px 0 64px;
}
.report-hero .display-lg { margin-bottom: 24px; }
.report-meta { display: flex; gap: 16px; align-items: center; margin-top: 32px; flex-wrap: wrap; }
.article-page .back-link {
  display: inline-block; margin-bottom: 24px;
  font-size: 14px; color: var(--graphite);
}
.article-page .back-link:hover { color: var(--deepwell); }
.article-page .article-lede {
  font-size: 20px; line-height: 1.55;
  color: var(--graphite); margin-top: 24px;
}
.article-body p {
  font-size: 18px; line-height: 1.75; color: var(--carbon);
  margin: 0 0 22px;
}
.article-body strong { color: var(--carbon); }
.article-foot {
  margin-top: 48px; padding-top: 32px;
  border-top: 1px solid rgba(26,31,36,0.1);
  display: flex; gap: 16px; flex-wrap: wrap;
}
.role-card .role-meta { display: flex; gap: 8px; margin-bottom: 12px; }
@media print {
  .header, .footer, .nav-toggle, .mobile-nav, .report-toc, .report-aside-cta, .report-meta, .cta-band { display: none !important; }
  .report-hero { background: none !important; padding: 0 !important; }
  .report-grid { grid-template-columns: 1fr !important; gap: 0 !important; }
  body { font-size: 11pt; }
  a { color: inherit; text-decoration: none; }
}
@media (max-width: 1024px) {
  .legal-grid, .report-grid { grid-template-columns: 1fr; gap: 32px; }
  .legal-toc, .report-toc { position: static; }
}