:root {
  --bg: #f3ede3;
  --surface: rgba(255, 255, 255, 0.72);
  --surface-2: rgba(255, 255, 255, 0.5);
  --border: rgba(139, 105, 20, 0.18);
  --text: #2d2a24;
  --text-muted: #6b6356;
  --primary: #b8860b;
  --primary-light: #e6c860;
  --accent: #b8860b;
  --gold-dark: #8a6d10;
  --gold-light: rgba(212, 175, 55, 0.16);
  --pearl: #ffffff;
  --pearl-mid: rgba(255, 255, 255, 0.45);
  --pearl-deep: rgba(0, 0, 0, 0.07);
  --pearl-shade: rgba(0, 0, 0, 0.04);
  --bank: #b8860b;
  --nonbank: #64748b;
  --success: #16a34a;
  --success-bg: rgba(22, 163, 74, 0.1);
  --success-border: rgba(22, 163, 74, 0.28);
  --danger: #dc2626;
  --danger-bg: rgba(220, 38, 38, 0.08);
  --danger-border: rgba(220, 38, 38, 0.25);
  --overlay: rgba(45, 42, 36, 0.55);
  --on-gold: #2d2a24;
  --radius: 16px;
  --radius-xl: 20px;
  --shadow: 0 18px 40px -16px rgba(80, 60, 20, 0.22);
  --glass-blur: blur(20px);
}

/* Glassmorphism utilities */
.glass-panel {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.glass-card {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
  transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s;
}

.glass-card:hover {
  border-color: rgba(251, 191, 36, 0.35);
  box-shadow: 0 0 50px rgba(212, 175, 55, 0.15), var(--shadow);
}

.glass-option {
  background: var(--surface-2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid var(--border);
  transition: border-color 0.2s, background 0.2s, transform 0.2s;
}

.glass-option:hover,
.glass-option.selected {
  border-color: rgba(251, 191, 36, 0.45);
  background: rgba(251, 191, 36, 0.12);
}

.glass-chip {
  background: var(--surface-2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid var(--border);
}

.glass-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(251, 191, 36, 0.25);
  background: rgba(251, 191, 36, 0.1);
  color: var(--accent);
  box-shadow: 0 0 24px rgba(212, 175, 55, 0.2);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  color-scheme: dark;
}

body {
  font-family: 'Heebo', sans-serif;
  background: linear-gradient(165deg, #fdfbf6 0%, #f4efe6 45%, #ece4d6 100%);
  background-attachment: fixed;
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
  overflow-x: hidden;
}

.bg-gradient {
  position: fixed;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 50% at 50% -10%, rgba(251, 191, 36, 0.18), transparent),
    radial-gradient(ellipse 50% 40% at 100% 60%, rgba(212, 175, 55, 0.1), transparent),
    radial-gradient(ellipse 40% 30% at 0% 90%, rgba(251, 191, 36, 0.08), transparent);
  pointer-events: none;
  z-index: 0;
}

.bg-grid {
  position: fixed;
  inset: 0;
  background-image:
    linear-gradient(rgba(139, 105, 20, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(139, 105, 20, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
  z-index: 0;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

/* Header */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  background: rgba(255, 255, 255, 0.78);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 0 rgba(184, 134, 11, 0.12);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.25rem;
}

.logo-icon {
  color: var(--accent);
  font-size: 1.5rem;
}

.logo-accent { color: var(--primary); }

.nav-links {
  display: flex;
  gap: 28px;
}

.nav-links a {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--gold-dark); }

/* Buttons */
.btn {
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-weight: 600;
  border-radius: 12px;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-light), var(--gold-dark));
  color: var(--on-gold);
  box-shadow: 0 4px 20px rgba(184, 134, 11, 0.35);
}

.btn-primary:hover:not(:disabled) {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(184, 134, 11, 0.45);
}

.btn-primary:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}

.btn-ghost {
  background: var(--surface-2);
  color: var(--text);
  border: 1px solid var(--border);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.btn-ghost:hover {
  background: rgba(251, 191, 36, 0.12);
  border-color: rgba(251, 191, 36, 0.35);
}

.btn-sm { padding: 10px 18px; font-size: 0.875rem; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }

/* Hero */
.hero {
  padding: 80px 24px 60px;
  text-align: center;
}

.hero-badge {
  display: inline-block;
  padding: 8px 16px;
  background: var(--gold-light);
  border: 1px solid rgba(184, 134, 11, 0.35);
  border-radius: 999px;
  font-size: 0.85rem;
  color: var(--gold-dark);
  margin-bottom: 24px;
}

.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
}

.gradient-text {
  background: linear-gradient(135deg, #8a6d10, #c9921a);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: 1.15rem;
  color: var(--text-muted);
  max-width: 620px;
  margin: 0 auto 36px;
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-bottom: 40px;
}

.stat {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.stat strong {
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary);
}

.stat span {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.hero-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Compare Section */
.compare-section {
  padding: 60px 24px 80px;
}

.section-header {
  text-align: center;
  margin-bottom: 36px;
}

.section-header h2 {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.section-header p { color: var(--text-muted); }

.filters {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 24px;
}

.filter-tabs {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
}

.filter-tab {
  padding: 10px 20px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--surface-2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: var(--text-muted);
  cursor: pointer;
  font-family: inherit;
  font-weight: 500;
  transition: all 0.2s;
}

.filter-tab:hover { border-color: rgba(184, 134, 11, 0.4); color: var(--gold-dark); }

.filter-tab.active {
  background: linear-gradient(135deg, var(--primary-light), var(--gold-dark));
  border-color: var(--primary);
  color: var(--on-gold);
}

.filter-row {
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
}

.bank-select {
  padding: 10px 16px;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: var(--surface-2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: var(--text);
  font-family: inherit;
  font-size: 0.9rem;
  min-width: 200px;
  cursor: pointer;
}

.bank-select:focus {
  outline: none;
  border-color: var(--primary);
}

.filter-tags {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
}

.tag-btn {
  padding: 6px 14px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--text-muted);
  cursor: pointer;
  font-family: inherit;
  font-size: 0.8rem;
  transition: all 0.2s;
}

.tag-btn.active {
  border-color: var(--accent);
  color: var(--accent);
  background: rgba(212, 175, 55, 0.1);
}

.search-box input {
  width: 100%;
  max-width: 400px;
  margin: 0 auto;
  display: block;
  padding: 14px 20px;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: var(--surface-2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: var(--text);
  font-family: inherit;
  font-size: 1rem;
}

.search-box input::placeholder { color: var(--text-muted); opacity: 0.7; }

.search-box input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(184, 134, 11, 0.2);
}

/* Compare Bar */
.compare-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid rgba(184, 134, 11, 0.35);
  border-radius: var(--radius);
  margin-bottom: 28px;
  flex-wrap: wrap;
  box-shadow: 0 8px 32px rgba(80, 60, 20, 0.15);
}

.compare-label {
  font-size: 0.9rem;
  color: var(--text-muted);
  white-space: nowrap;
}

.compare-slots {
  display: flex;
  gap: 8px;
  flex: 1;
  flex-wrap: wrap;
}

.compare-slot {
  padding: 6px 12px;
  background: var(--surface-2);
  border-radius: 8px;
  font-size: 0.8rem;
  display: flex;
  align-items: center;
  gap: 6px;
}

.compare-slot button {
  background: none;
  border: none;
  color: var(--text-muted);
  cursor: pointer;
  font-size: 0.9rem;
  line-height: 1;
}

.compare-slot button:hover { color: var(--danger); }

/* Cards catalog — grouped by bank / non-bank */
.cards-catalog {
  display: flex;
  flex-direction: column;
  gap: 48px;
}

.catalog-section {
  border-radius: var(--radius);
  overflow: hidden;
}

.catalog-section-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 20px;
  margin-bottom: 24px;
  border-radius: 12px;
}

.nonbank-section .catalog-section-header {
  background: rgba(212, 196, 168, 0.12);
  border: 1px solid rgba(212, 196, 168, 0.25);
}

.nonbank-section .catalog-section-header h2 { color: var(--nonbank); }

.bank-section .catalog-section-header {
  background: rgba(245, 158, 11, 0.1);
  border: 1px solid rgba(245, 158, 11, 0.25);
}

.bank-section .catalog-section-header h2 { color: var(--bank); }

.catalog-section-header h2 {
  font-size: 1.35rem;
  font-weight: 700;
  margin: 0;
}

.catalog-section-count {
  font-size: 0.9rem;
  color: var(--text-muted);
  background: var(--surface);
  padding: 6px 14px;
  border-radius: 999px;
}

.catalog-issuer-group {
  margin-bottom: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border);
}

.catalog-issuer-group:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.catalog-issuer-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  padding-right: 4px;
}

.catalog-issuer-header h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin: 0;
  flex: 1;
}

.catalog-issuer-count {
  font-size: 0.8rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
}

.catalog-issuer-top-note {
  color: var(--primary);
  font-weight: 500;
}

.issuer-see-more-wrap {
  display: flex;
  justify-content: center;
  margin: 4px 0 28px;
}

.issuer-see-more {
  min-width: 200px;
  border-style: dashed;
}

.issuer-logos-row {
  margin: 0 0 24px;
  padding: 20px;
  border-radius: var(--radius-xl);
}

.issuer-logos-row:not(.glass-panel) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.issuer-logos-title {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 12px;
  text-align: center;
}

.issuer-logos-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
}

.issuer-logo-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--pearl);
  cursor: pointer;
  font-family: inherit;
  font-size: 0.85rem;
  color: var(--text);
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}

.issuer-logo-chip:hover {
  transform: translateY(-1px);
  border-color: var(--issuer-color, var(--primary));
  box-shadow: 0 4px 12px rgba(139, 115, 70, 0.12);
}

.issuer-logo-mark {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--issuer-color, var(--primary));
  color: #fff;
  font-size: 0.65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.issuer-logo-name {
  font-weight: 600;
}

.catalog-issuer-group {
  scroll-margin-top: 96px;
}

.split-catalog .catalog-issuer-group {
  margin-bottom: 24px;
  padding-bottom: 24px;
}

.split-catalog .cards-grid {
  grid-template-columns: 1fr;
}

/* Cards Grid */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.card-item {
  overflow: hidden;
  position: relative;
}

.card-item:not(.glass-card) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
  transition: all 0.3s;
}

.card-item:hover {
  transform: translateY(-4px);
}

.card-item.selected {
  border-color: var(--primary);
  box-shadow: 0 0 0 2px rgba(184, 134, 11, 0.3);
}

.card-visual {
  height: 180px;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.card-visual img {
  width: 85%;
  max-height: 140px;
  object-fit: contain;
  border-radius: 12px;
  filter: drop-shadow(0 10px 24px rgba(139, 115, 70, 0.28));
}

.card-mock {
  width: 85%;
  height: 130px;
  border-radius: 14px;
  padding: 18px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 12px 32px rgba(139, 115, 70, 0.25);
  position: relative;
  overflow: hidden;
  color: var(--on-gold);
}

.card-mock::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.15), transparent 60%);
}

.card-mock-chip {
  width: 36px;
  height: 26px;
  background: linear-gradient(135deg, #d4af37, #f5e6a3);
  border-radius: 5px;
}

.card-mock-name {
  font-size: 0.75rem;
  font-weight: 600;
  opacity: 0.9;
}

.card-mock-network {
  position: absolute;
  bottom: 18px;
  left: 18px;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 1px;
  opacity: 0.7;
}

.card-body {
  padding: 20px;
}

.card-badges {
  display: flex;
  gap: 8px;
  margin-bottom: 10px;
  flex-wrap: wrap;
}

.badge {
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 0.7rem;
  font-weight: 600;
}

.badge-bank {
  background: rgba(245, 158, 11, 0.15);
  color: var(--bank);
}

.badge-nonbank {
  background: rgba(212, 196, 168, 0.15);
  color: var(--nonbank);
}

.badge-popular {
  background: var(--success-bg);
  color: var(--success);
}

.card-body h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.card-issuer {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 12px;
}

.card-cashback {
  font-size: 0.9rem;
  color: var(--accent);
  font-weight: 500;
  margin-bottom: 12px;
}

.card-highlights {
  list-style: none;
  margin-bottom: 16px;
}

.card-highlights li {
  font-size: 0.82rem;
  color: var(--text-muted);
  padding: 3px 0;
  padding-right: 16px;
  position: relative;
}

.card-highlights li::before {
  content: '✓';
  position: absolute;
  right: 0;
  color: var(--success);
  font-size: 0.75rem;
}

.card-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
}

.card-fee {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.card-fee strong {
  color: var(--text);
}

.card-actions {
  display: flex;
  gap: 8px;
}

.card-actions .btn-sm {
  padding: 8px 14px;
  font-size: 0.8rem;
}

.fee-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 12px;
  padding: 8px 10px;
  background: var(--surface-2);
  border-radius: 8px;
}

.fee-row strong { color: var(--text); }

.badge-net {
  background: rgba(212, 175, 55, 0.15);
  color: var(--accent);
}

.positive { color: var(--success); }
.negative { color: var(--danger); }

.empty-msg {
  text-align: center;
  color: var(--text-muted);
  grid-column: 1 / -1;
  padding: 40px;
}

/* Perfect Card Finder — hero */
.perfect-section {
  position: relative;
  padding: 48px 24px 64px;
  text-align: center;
}

.perfect-glow {
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: min(900px, 100%);
  height: 400px;
  background: radial-gradient(ellipse, rgba(184, 134, 11, 0.2), transparent 70%);
  pointer-events: none;
  z-index: 0;
}

.perfect-header { position: relative; z-index: 1; margin-bottom: 40px; }

.perfect-badge {
  display: inline-block;
  background: rgba(212, 175, 55, 0.12);
  border: 1px solid rgba(212, 175, 55, 0.35);
  color: var(--accent);
  padding: 8px 18px;
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 20px;
}

.perfect-header h1 {
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 16px;
}

.perfect-sub {
  color: var(--text-muted);
  font-size: 1.1rem;
  max-width: 520px;
  margin: 0 auto 28px;
}

.perfect-stats { justify-content: center; margin-bottom: 0; }

.perfect-finder {
  position: relative;
  z-index: 1;
  max-width: 560px;
  margin: 0 auto;
}

.perfect-finder.hidden { display: none; }

.perfect-step-dots {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 20px;
}

.perfect-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  transition: all 0.25s;
}

.perfect-dot.active {
  border-color: var(--primary);
  background: var(--primary);
  color: var(--on-gold);
  transform: scale(1.1);
}

.perfect-dot.done {
  border-color: var(--success);
  background: var(--success-bg);
  color: var(--success);
}

.perfect-box {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  box-shadow: var(--shadow);
}

.perfect-progress {
  height: 5px;
  background: var(--pearl-deep);
  border-radius: 5px;
  margin-bottom: 28px;
  overflow: hidden;
}

.perfect-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transition: width 0.35s ease;
}

.perfect-step-label {
  font-size: 0.8rem;
  color: var(--accent);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}

.perfect-q {
  font-size: 1.45rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.perfect-hint {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 24px;
}

.perfect-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.perfect-options.profile-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

@media (max-width: 520px) {
  .perfect-options.profile-options {
    grid-template-columns: 1fr;
  }
}

.perfect-options.profile-options .perfect-opt:last-child {
  grid-column: 1 / -1;
}

.perfect-opt {
  padding: 18px 22px;
  border-radius: 14px;
  color: var(--text);
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 500;
  cursor: pointer;
  text-align: center;
}

.perfect-opt:hover {
  transform: translateY(-2px);
}

.perfect-back { margin-top: 20px; }

.bank-pick-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 12px;
}

.bank-pick {
  padding: 14px 12px;
  border-radius: 12px;
  color: var(--text);
  font-family: inherit;
  font-size: 0.95rem;
  cursor: pointer;
  text-align: center;
}

.bank-pick:hover { border-color: var(--bank); }
.bank-pick.selected {
  border-color: var(--bank);
  color: var(--bank);
  font-weight: 600;
}

.bank-pick-nonbank {
  width: 100%;
  padding: 14px 16px;
  border: 2px dashed var(--border);
  border-radius: 12px;
  background: transparent;
  color: var(--text-muted);
  font-family: inherit;
  font-size: 0.95rem;
  cursor: pointer;
  margin-bottom: 20px;
  transition: all 0.2s;
}

.bank-pick-nonbank:hover,
.bank-pick-nonbank.selected {
  border-color: var(--nonbank);
  border-style: solid;
  background: rgba(212, 196, 168, 0.1);
  color: var(--nonbank);
  font-weight: 600;
}

.bank-pick-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}

.perfect-eligible-note {
  text-align: center;
  color: var(--text-muted);
  font-size: 0.9rem;
  margin: -12px 0 24px;
  padding: 10px 16px;
  background: var(--surface);
  border-radius: 10px;
  border: 1px solid var(--border);
}

.perfect-empty { text-align: center; color: var(--text-muted); margin: 24px 0; }

.winner-bank-note {
  margin-top: 16px;
  padding: 12px 14px;
  background: rgba(245, 158, 11, 0.1);
  border-radius: 10px;
  font-size: 0.88rem;
  color: var(--bank);
}

/* Bank upsell — open account CTA */
.bank-upsell {
  margin: 32px 0;
  border-radius: var(--radius-xl);
  padding: 28px;
  text-align: right;
}

.bank-upsell:not(.glass-panel) {
  background: rgba(251, 191, 36, 0.08);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid rgba(251, 191, 36, 0.35);
  box-shadow: var(--shadow);
}

.bank-upsell-header { margin-bottom: 24px; text-align: center; }
.bank-upsell-header h3 { font-size: 1.25rem; margin: 8px 0; }
.bank-upsell-header p { color: var(--text-muted); font-size: 0.95rem; }

.bank-upsell-badge {
  display: inline-block;
  background: rgba(245, 158, 11, 0.15);
  color: var(--bank);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
}

.bank-upsell-body {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 28px;
  align-items: center;
}

.bank-upsell-visual {
  border-radius: 16px;
  padding: 12px;
  min-height: 150px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.bank-upsell-info h4 { font-size: 1.2rem; margin-bottom: 6px; }
.bank-upsell-info > p { color: var(--text-muted); margin-bottom: 12px; font-size: 0.9rem; }

.bank-upsell-stat {
  font-size: 0.95rem;
  margin-bottom: 16px;
  padding: 12px;
  background: var(--surface);
  border-radius: 10px;
}

.upsell-diff { font-weight: 700; }

.bank-upsell-steps {
  margin: 0 0 20px;
  padding-right: 20px;
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.8;
}

.bank-upsell-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* Perfect results */
.perfect-result {
  position: relative;
  z-index: 1;
  max-width: 960px;
  margin: 0 auto;
  text-align: right;
}

.perfect-result.hidden { display: none; }

.perfect-done-badge {
  text-align: center;
  background: var(--success-bg);
  border: 1px solid var(--success-border);
  color: var(--success);
  padding: 12px 20px;
  border-radius: 12px;
  font-weight: 600;
  margin-bottom: 28px;
}

.perfect-winner-block {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 32px;
  padding: 32px;
  margin-bottom: 32px;
}

.perfect-winner-block:not(.glass-card) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 2px solid rgba(251, 191, 36, 0.45);
  border-radius: var(--radius-xl);
  box-shadow: 0 0 60px rgba(212, 175, 55, 0.12);
}

.perfect-winner-visual {
  border-radius: 16px;
  padding: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 180px;
}

.perfect-winner-label {
  display: inline-block;
  background: var(--accent);
  color: var(--on-gold);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.perfect-winner-body h2 {
  font-size: 1.75rem;
  margin-bottom: 8px;
}

.perfect-winner-meta {
  color: var(--text-muted);
  margin-bottom: 16px;
}

.perfect-why {
  list-style: none;
  margin-bottom: 20px;
}

.perfect-why li {
  padding: 8px 0;
  padding-right: 24px;
  position: relative;
  font-size: 0.95rem;
}

.perfect-why li::before {
  content: '✓';
  position: absolute;
  right: 0;
  color: var(--success);
  font-weight: 700;
}

.perfect-winner-stats {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 24px;
  padding: 16px;
  background: var(--surface-2);
  border-radius: 12px;
}

.pws { display: flex; flex-direction: column; gap: 4px; }
.pws span { font-size: 0.75rem; color: var(--text-muted); }
.pws strong { font-size: 1.1rem; }

.perfect-winner-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.perfect-alts h3 {
  font-size: 1.1rem;
  color: var(--text-muted);
  margin-bottom: 16px;
  text-align: center;
}

.perfect-alts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 32px;
}

.perfect-alt {
  padding: 20px;
  position: relative;
}

.perfect-alt:not(.glass-card) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
}

.perfect-alt-rank {
  position: absolute;
  top: 12px;
  left: 12px;
  background: var(--surface-2);
  padding: 4px 10px;
  border-radius: 8px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-muted);
}

.perfect-alt h4 { font-size: 1rem; margin-bottom: 4px; padding-left: 36px; }
.perfect-alt p { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 8px; }
.perfect-alt-net { font-weight: 700; margin-bottom: 12px; }
.perfect-alt-actions { display: flex; gap: 8px; }

.perfect-browse {
  text-align: center;
  padding: 28px;
  border-top: 1px solid var(--border);
}

.perfect-browse p { color: var(--text-muted); margin-bottom: 16px; }
.perfect-browse .btn-sm { margin-top: 12px; }

.hero-compact {
  text-align: center;
  padding: 24px;
  color: var(--text-muted);
  font-size: 0.95rem;
  border-bottom: 1px solid var(--border);
  margin-bottom: 20px;
}

.hero-compact strong { color: var(--text); }

/* Wizard (legacy) */
.wizard-section, .calc-section {
  padding: 60px 24px;
}

.wizard-box {
  max-width: 560px;
  margin: 0 auto;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
}

.wizard-progress {
  height: 4px;
  background: var(--surface-2);
  border-radius: 4px;
  margin-bottom: 28px;
  overflow: hidden;
}

.wizard-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transition: width 0.3s;
  width: 25%;
}

.wizard-q {
  font-size: 1.2rem;
  font-weight: 600;
  text-align: center;
  margin-bottom: 24px;
}

.wizard-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.wizard-opt {
  padding: 16px 20px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--surface-2);
  color: var(--text);
  font-family: inherit;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.2s;
  text-align: right;
}

.wizard-opt:hover {
  border-color: var(--primary);
  background: rgba(184, 134, 11, 0.1);
}

.wizard-back { margin-top: 16px; }

.wizard-result {
  max-width: 900px;
  margin: 32px auto 0;
  text-align: center;
}

.wizard-result.hidden { display: none; }

.wizard-result h3 {
  font-size: 1.4rem;
  margin-bottom: 24px;
}

.wizard-top3 {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  margin-bottom: 24px;
}

.wizard-pick {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  position: relative;
}

.wizard-pick.winner {
  border-color: var(--accent);
  box-shadow: 0 0 30px rgba(212, 175, 55, 0.15);
}

.winner-badge {
  position: absolute;
  top: -10px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: var(--on-gold);
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 700;
}

.wizard-pick h4 { font-size: 1.1rem; margin-bottom: 4px; }
.wizard-pick p { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 12px; }
.pick-stat { font-size: 0.85rem; margin: 6px 0; }
.pick-actions { display: flex; gap: 8px; justify-content: center; margin-top: 16px; }

/* Calculator */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  max-width: 960px;
  margin: 0 auto;
}

.calc-inputs {
  border-radius: var(--radius-xl);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.calc-inputs:not(.glass-panel) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.calc-inputs label {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-weight: 500;
  font-size: 0.95rem;
}

.calc-inputs input[type="range"] {
  width: 100%;
  accent-color: var(--primary);
}

.calc-inputs select {
  padding: 12px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: var(--surface-2);
  color: var(--text);
  font-family: inherit;
}

.calc-benefits {
  border: 1px dashed var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.calc-benefits legend {
  font-weight: 600;
  font-size: 0.9rem;
  padding: 0 6px;
  color: var(--text-muted);
}

.calc-benefit-label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 400;
  font-size: 0.9rem;
  cursor: pointer;
}

.calc-benefit-label input {
  accent-color: var(--accent);
  width: 18px;
  height: 18px;
}

.range-val {
  color: var(--accent);
  font-weight: 700;
  font-size: 1.1rem;
}

.calc-results {
  border-radius: var(--radius-xl);
  padding: 20px;
}

.calc-results:not(.glass-panel) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.calc-formula {
  padding: 12px;
  background: var(--surface-2);
  border-radius: 8px;
  margin-bottom: 16px;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.calc-formula code { color: var(--accent); }

.calc-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px;
  border-radius: 10px;
  margin-bottom: 8px;
  border: 1px solid transparent;
}

.calc-row.calc-winner {
  border-color: var(--success);
  background: var(--success-bg);
}

.calc-rank {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--surface-2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
}

.calc-info { flex: 1; }
.calc-info strong { display: block; }
.calc-info span { font-size: 0.8rem; color: var(--text-muted); }
.calc-net { font-weight: 700; font-size: 1rem; }

/* Why Section */
.why-section {
  padding: 80px 24px;
  text-align: center;
}

.why-section h2 {
  font-size: 2rem;
  margin-bottom: 40px;
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 800px;
  margin: 0 auto;
}

.why-card {
  padding: 28px;
  border-radius: var(--radius);
  text-align: right;
  border: 1px solid var(--border);
}

.why-us {
  background: var(--success-bg);
  border-color: var(--success-border);
}

.why-them {
  background: var(--danger-bg);
  border-color: var(--danger-border);
}

.why-card h3 { margin-bottom: 16px; font-size: 1.1rem; }
.why-card ul { list-style: none; }
.why-card li {
  padding: 8px 0;
  font-size: 0.9rem;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.why-card li:last-child { border-bottom: none; }

/* Why teaser on homepage */
.why-teaser {
  padding: 64px 24px;
  text-align: center;
}

.why-teaser h2 {
  font-size: 1.75rem;
  margin-bottom: 16px;
}

.why-teaser-text {
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto 28px;
  font-size: 1.05rem;
  line-height: 1.7;
}

/* Catalog standalone page */
.catalog-page-hero {
  padding-top: 32px;
}

.catalog-back-link {
  display: inline-block;
  margin-bottom: 16px;
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.95rem;
}

.catalog-back-link:hover {
  color: var(--gold-dark);
}

.catalog-hint {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-top: 8px;
}

.catalog-hint a {
  color: var(--gold-dark);
}

.catalog-teaser {
  text-align: center;
  padding: 48px 24px;
  margin: 24px auto;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(184, 134, 11, 0.06), rgba(255, 255, 255, 0.5));
  border: 1px solid var(--border);
}

.catalog-teaser h2 {
  font-size: 1.5rem;
  margin-bottom: 12px;
}

.catalog-teaser p {
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto 20px;
  line-height: 1.7;
}

/* Why-us standalone page */
.nav-links a.nav-active {
  color: var(--gold-dark);
  font-weight: 600;
}

.why-page-hero {
  padding: 64px 24px 48px;
  text-align: center;
}

.why-page-hero h1 {
  font-size: clamp(2rem, 4.5vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
}

.why-page-lead {
  color: var(--text-muted);
  max-width: 680px;
  margin: 0 auto 32px;
  font-size: 1.1rem;
  line-height: 1.75;
}

.why-scoreboard {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  max-width: 720px;
  margin: 0 auto 32px;
}

.why-score {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 12px;
  text-align: center;
}

.why-score strong {
  display: block;
  font-size: 1.6rem;
  color: var(--gold-dark);
  line-height: 1.2;
}

.why-score span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.why-score-win {
  border-color: rgba(45, 122, 82, 0.4);
  background: var(--success-bg);
}

.why-score-win strong { color: var(--success); }

.competitor-card-regulator {
  border-top: 3px solid var(--bank);
  background: var(--surface-2);
}

.why-page-cta {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.why-page-section {
  padding: 48px 24px;
}

.why-page-h2 {
  font-size: 1.65rem;
  text-align: center;
  margin-bottom: 32px;
}

.why-page-note {
  text-align: center;
  color: var(--text-muted);
  font-size: 0.82rem;
  margin-top: 16px;
}

.compare-matrix-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.compare-matrix {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  font-size: 0.88rem;
}

.compare-matrix th,
.compare-matrix td {
  padding: 14px 16px;
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.compare-matrix th:first-child,
.compare-matrix td:first-child {
  text-align: right;
  font-weight: 600;
  color: var(--text);
  min-width: 200px;
}

.compare-matrix th {
  background: var(--surface-2);
  font-weight: 700;
  font-size: 0.85rem;
}

.compare-matrix th.col-us,
.compare-matrix td.col-us {
  background: var(--success-bg);
}

.compare-matrix tbody tr:hover td {
  background: rgba(212, 175, 55, 0.06);
}

.compare-matrix tbody tr:hover td.col-us {
  background: rgba(45, 122, 82, 0.14);
}

.cm-yes {
  color: var(--success);
  font-weight: 800;
  font-size: 1.1rem;
}

.cm-no {
  color: var(--text-muted);
  opacity: 0.6;
}

.cm-partial {
  color: var(--gold-dark);
  font-size: 0.8rem;
  font-weight: 600;
}

.competitor-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.competitor-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  text-align: right;
}

.competitor-card h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
  color: var(--gold-dark);
}

.competitor-card-featured {
  border-color: rgba(184, 134, 11, 0.45);
  box-shadow: 0 0 0 1px rgba(212, 175, 55, 0.12);
}

.competitor-type {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--gold-dark);
  background: var(--gold-light);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
}

.competitor-card-tool { border-top: 3px solid var(--primary); }
.competitor-card-catalog { border-top: 3px solid var(--nonbank); }

.why-feature-win {
  border-color: rgba(45, 122, 82, 0.35);
  background: var(--success-bg);
}

.why-feature-roadmap {
  border-style: dashed;
  opacity: 0.92;
}

.compare-matrix a {
  color: var(--primary);
  font-size: 0.85rem;
}

.competitor-url {
  margin-bottom: 16px;
  font-size: 0.85rem;
}

.competitor-url a {
  color: var(--primary);
}

.competitor-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 10px;
  line-height: 1.6;
}

.competitor-edge {
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
  color: var(--text) !important;
}

.why-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
}

.why-feature {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  text-align: right;
}

.why-feature-icon {
  font-size: 1.75rem;
  display: block;
  margin-bottom: 12px;
}

.why-feature h3 {
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.why-feature p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.why-page-bottom-cta {
  padding: 24px 24px 80px;
}

/* Guide pages */
.guide-page { padding-bottom: 64px; }

.guide-hero {
  padding: 64px 24px 40px;
  text-align: center;
}

.guide-hero h1 {
  font-size: clamp(2rem, 4.5vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
}

.guide-lead {
  color: var(--text-muted);
  max-width: 720px;
  margin: 0 auto 28px;
  font-size: 1.1rem;
  line-height: 1.75;
}

.guide-edu-panel {
  display: flex;
  align-items: center;
  gap: 24px;
  margin: 24px 0;
  padding: 20px 24px;
  background: linear-gradient(135deg, #fffdfb 0%, var(--pearl-mid) 100%);
  border: 1px solid rgba(212, 175, 55, 0.22);
  border-radius: var(--radius);
  box-shadow: inset 0 1px 0 #fff;
}

.guide-edu-panel p {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--text-muted);
}

.guide-edu-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 24px 0;
}

.guide-edu-card {
  text-align: center;
  padding: 20px 16px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

.guide-edu-card-figure,
.guide-edu-panel-figure {
  padding: 10px;
  background: linear-gradient(165deg, #fffefb 0%, #f8f0dc 100%);
  border: 1px solid rgba(212, 175, 55, 0.32);
  border-radius: 14px;
  box-shadow: inset 0 1px 0 #fff, 0 4px 14px rgba(139, 105, 20, 0.1);
}

.guide-edu-card strong {
  display: block;
  font-size: 0.88rem;
  color: var(--gold-dark);
  margin-bottom: 6px;
}

.guide-edu-card span {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.45;
}

@media (max-width: 560px) {
  .guide-edu-panel {
    flex-direction: column;
    text-align: center;
  }
}

/* Network Born timeline — pearl/gold glass cards */
.network-born-section {
  margin-top: 8px;
}

.network-born-lead {
  margin: 12px 0 28px;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.55;
  max-width: 72ch;
}

.network-born-timeline {
  --network-progress: 0%;
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px 16px;
  align-items: stretch;
  padding-top: 8px;
}

@media (min-width: 720px) {
  .network-born-timeline {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px 16px;
  }
}

@media (min-width: 1140px) {
  .network-born-timeline {
    grid-template-columns: repeat(6, 1fr);
    gap: 16px;
  }

  .network-born-rail {
    display: block;
  }
}

.network-born-rail {
  display: none;
  position: absolute;
  top: 52px;
  left: 12%;
  right: 12%;
  height: 3px;
  z-index: 0;
  pointer-events: none;
}

.network-born-track {
  height: 100%;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  position: relative;
  overflow: hidden;
}

.network-born-track::after {
  content: '';
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--network-progress, 0%);
  background: linear-gradient(90deg, #8b6914, #d4af37, #f5e6b8);
  border-radius: inherit;
  transition: width 0.45s ease;
  box-shadow: 0 0 12px rgba(212, 175, 55, 0.45);
}

.network-born-card {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 28px 12px 20px;
  min-height: 268px;
  background:
    linear-gradient(165deg, rgba(255, 254, 249, 0.14) 0%, rgba(255, 255, 255, 0.06) 100%);
  opacity: 0;
  transform: translateY(18px);
  transition:
    opacity 0.5s ease var(--network-delay, 0ms),
    transform 0.5s ease var(--network-delay, 0ms),
    border-color 0.25s,
    box-shadow 0.25s;
  cursor: default;
  outline: none;
}

.network-born-card.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.network-born-card.is-active,
.network-born-card:focus-visible {
  border-color: rgba(212, 175, 55, 0.55);
  box-shadow:
    0 0 40px rgba(212, 175, 55, 0.18),
    inset 0 1px 0 rgba(255, 254, 249, 0.35),
    var(--shadow);
}

.network-born-badge {
  position: absolute;
  top: -11px;
  left: 50%;
  transform: translateX(-50%);
  padding: 4px 12px;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--on-gold);
  background: linear-gradient(135deg, #f5e6b8, #d4af37, #8b6914);
  border-radius: 999px;
  border: 1px solid rgba(255, 254, 249, 0.5);
  box-shadow: 0 4px 14px rgba(139, 105, 20, 0.35);
  white-space: nowrap;
}

.network-born-figure,
[data-edu-figure].network-born-figure {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 108px;
  height: 118px;
  margin: 6px 0 12px;
  padding: 10px;
  background: linear-gradient(165deg, #fffefb 0%, #f8f0dc 100%);
  border: 1px solid rgba(212, 175, 55, 0.32);
  border-radius: 16px;
  box-shadow:
    inset 0 1px 0 #fff,
    0 6px 18px rgba(139, 105, 20, 0.12);
}

.edu-figure-svg {
  width: 100%;
  height: 100%;
  display: block;
}

[data-edu-figure].guide-edu-card-figure {
  width: 88px;
  height: 100px;
  margin: 0 auto 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}

[data-edu-figure].guide-edu-panel-figure {
  width: 96px;
  height: 112px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

[data-edu-figure].pay-cycle-figure-slot {
  width: 48px;
  height: 56px;
  padding: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  border: none;
  box-shadow: none;
}

.network-born-step {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 10px;
}

.network-born-text {
  font-size: 0.82rem;
  line-height: 1.48;
  color: var(--text-muted);
  margin: 0;
}

@media (max-width: 1139px) {
  .network-born-rail {
    display: none;
  }
}

@media (max-width: 719px) {
  .network-born-timeline {
    grid-template-columns: 1fr;
    max-width: 320px;
    margin-inline: auto;
  }

  .network-born-card {
    min-height: 248px;
  }
}

.guide-hero-cta {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

.guide-article {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 24px 48px;
}

.guide-section {
  margin-bottom: 48px;
}

.guide-section h2 {
  font-size: 1.5rem;
  margin-bottom: 16px;
  color: var(--gold-dark);
}

.guide-section p,
.guide-section li {
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 12px;
}

.guide-cards-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 20px 0;
}

.guide-info-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
}

.guide-info-card h3 { margin-bottom: 10px; color: var(--gold-dark); }

.guide-note {
  background: var(--gold-light);
  border-radius: 10px;
  padding: 16px 20px;
  border: 1px solid rgba(184, 134, 11, 0.2);
}

.guide-steps-list {
  padding-inline-start: 1.25rem;
  margin: 16px 0;
}

.guide-diagram {
  text-align: center;
  padding: 20px;
  background: var(--surface-2);
  border-radius: var(--radius);
  font-weight: 600;
  color: var(--gold-dark);
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  align-items: center;
}

/* Payment cycle diagram (guide) — pearl/gold flow with SVG icons */
.pay-cycle {
  margin-top: 24px;
  padding: 32px 24px 28px;
  background:
    radial-gradient(ellipse 90% 60% at 50% 0%, rgba(212, 175, 55, 0.08), transparent 70%),
    linear-gradient(165deg, #fffdfb 0%, var(--pearl-mid) 50%, #ebe6de 100%);
  border: 1px solid rgba(212, 175, 55, 0.22);
  border-radius: 20px;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.98),
    0 16px 48px rgba(139, 115, 70, 0.1);
}

.pay-cycle-lead {
  text-align: center;
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 24px;
  line-height: 1.55;
}

.pay-cycle-overview {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin: 0 0 24px;
  padding: 16px 10px;
  background: rgba(255, 255, 255, 0.55);
  border: 1px solid rgba(212, 175, 55, 0.18);
  border-radius: 14px;
  list-style: none;
  direction: ltr;
}

.pay-cycle-overview-step {
  flex: 1 1 0;
  max-width: 108px;
  text-align: center;
}

.pay-cycle-overview-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  margin: 0 auto 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, #d4af37 0%, #8b6914 100%);
  color: #fff;
  font-size: 0.78rem;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(139, 105, 20, 0.25);
}

.pay-cycle-overview-text {
  display: block;
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--gold-dark);
  line-height: 1.35;
}

.pay-cycle-overview-connector {
  flex: 0 0 20px;
  height: 2px;
  margin-top: 15px;
  background: linear-gradient(90deg, rgba(212, 175, 55, 0.25), rgba(212, 175, 55, 0.55), rgba(212, 175, 55, 0.25));
}

.pay-cycle-loop {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin: 20px 0 0;
  padding: 14px 18px;
  text-align: center;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gold-dark);
  background: linear-gradient(90deg, rgba(212, 175, 55, 0.06), rgba(212, 175, 55, 0.14), rgba(212, 175, 55, 0.06));
  border: 1px dashed rgba(212, 175, 55, 0.35);
  border-radius: 12px;
}

.pay-cycle-loop-icon {
  font-size: 1.25rem;
  line-height: 1;
  color: var(--primary);
}

.pay-cycle-phase {
  margin-bottom: 26px;
  padding-bottom: 22px;
  border-bottom: 1px dashed rgba(212, 175, 55, 0.28);
}

.pay-cycle-phase:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.pay-cycle-card-icon {
  width: 40px;
  height: 28px;
  display: block;
}

.pay-cycle-flow-wide {
  max-width: 520px;
}

.pay-cycle-network-band-compact {
  margin-top: 4px;
  margin-bottom: 0;
}

.pay-cycle-phase-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold-dark);
  margin-bottom: 18px;
  text-align: center;
}

.pay-cycle-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 4px 0;
  direction: ltr;
  margin-bottom: 16px;
}

.pay-cycle-flow-compact {
  max-width: 420px;
  margin-left: auto;
  margin-right: auto;
}

.pay-cycle-arrow {
  flex: 0 0 56px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0 2px;
  gap: 4px;
}

.pay-cycle-arrow-label {
  font-size: 0.62rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--text-muted);
  white-space: nowrap;
}

.pay-cycle-arrow-money .pay-cycle-arrow-label {
  color: var(--success);
}

.pay-cycle-network-band {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 8px auto 20px;
  max-width: 520px;
  padding: 14px 18px;
  background: linear-gradient(90deg, rgba(245, 158, 11, 0.06), rgba(245, 158, 11, 0.12), rgba(245, 158, 11, 0.06));
  border: 1px dashed rgba(245, 158, 11, 0.35);
  border-radius: 12px;
  direction: ltr;
}

.pay-cycle-network-icon {
  width: 48px;
  height: 24px;
  flex-shrink: 0;
}

.pay-cycle-network-band strong {
  display: block;
  font-size: 0.85rem;
  color: var(--gold-dark);
  margin-bottom: 4px;
}

.pay-cycle-network-band span {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.45;
}

.pay-cycle-node-highlight {
  border-color: rgba(45, 122, 82, 0.35);
  box-shadow: inset 0 1px 0 #fff, 0 6px 20px rgba(45, 122, 82, 0.1);
}

.pay-cycle-tag {
  display: inline-block;
  margin-top: 8px;
  padding: 3px 8px;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: var(--success-bg);
  color: var(--success);
  border-radius: 6px;
  border: 1px solid var(--success-border);
}

.pay-cycle-settle {
  max-width: 480px;
  margin: 0 auto 24px;
  padding: 18px 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  text-align: center;
  direction: ltr;
}

.pay-cycle-settle-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}

.pay-cycle-settle-from,
.pay-cycle-settle-to {
  padding: 8px 16px;
  background: var(--surface-2);
  border-radius: 10px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--gold-dark);
}

.pay-cycle-settle-arrow {
  font-size: 0.82rem;
  color: var(--text-muted);
  font-weight: 600;
}

.pay-cycle-settle-note {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}

.pay-cycle-who-pays {
  max-width: 520px;
  margin: 0 auto 28px;
}

.pay-cycle-who-pays h4 {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold-dark);
  text-align: center;
  margin-bottom: 12px;
}

.pay-cycle-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--border);
}

.pay-cycle-table th,
.pay-cycle-table td {
  padding: 10px 14px;
  text-align: start;
  border-bottom: 1px solid var(--border);
}

.pay-cycle-table th {
  background: var(--surface-2);
  font-weight: 700;
  color: var(--gold-dark);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.pay-cycle-table tr:last-child td {
  border-bottom: none;
}

.pay-cycle-table-action {
  font-weight: 500;
}

.pay-cycle-table-action.pay-good {
  color: var(--success);
  font-weight: 600;
}

.pay-cycle-table-action.pay-muted {
  color: var(--text-muted);
  font-style: italic;
}

.pay-cycle-node span em {
  font-style: normal;
  color: var(--gold-dark);
  font-weight: 600;
}

.pay-cycle-node {
  flex: 1 1 110px;
  max-width: 148px;
  min-width: 100px;
  text-align: center;
  padding: 18px 12px 16px;
  background: linear-gradient(180deg, #ffffff 0%, #faf7f2 100%);
  border: 1px solid rgba(212, 175, 55, 0.28);
  border-radius: 16px;
  box-shadow:
    inset 0 1px 0 #fff,
    0 6px 20px rgba(184, 134, 11, 0.1);
  transition: transform 0.2s, box-shadow 0.2s;
}

.pay-cycle-node:hover {
  transform: translateY(-3px);
  box-shadow:
    inset 0 1px 0 #fff,
    0 10px 28px rgba(184, 134, 11, 0.16);
}

.pay-cycle-icon-wrap {
  width: 64px;
  height: 64px;
  margin: 0 auto 12px;
  padding: 6px;
  border-radius: 50%;
  background: linear-gradient(145deg, #fffefb, var(--pearl-mid));
  border: 1px solid rgba(212, 175, 55, 0.2);
  box-shadow: 0 4px 12px rgba(184, 134, 11, 0.12);
}

.pay-cycle-figure-wrap {
  background: linear-gradient(165deg, #fffefb 0%, #f8f0dc 100%);
  border-color: rgba(212, 175, 55, 0.35);
}

.pay-cycle-figure {
  width: 48px;
  height: 56px;
  object-fit: contain;
  display: block;
}

.pay-cycle-icon {
  width: 100%;
  height: 100%;
  display: block;
}

.pay-cycle-node strong {
  display: block;
  font-size: 0.92rem;
  color: var(--gold-dark);
  margin-bottom: 6px;
  font-weight: 700;
}

.pay-cycle-node span {
  display: block;
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.45;
}

.pay-cycle-arrow-svg {
  width: 36px;
  height: 22px;
  display: block;
  filter: drop-shadow(0 1px 2px rgba(184, 134, 11, 0.2));
}

.pay-cycle-arrow-down {
  display: flex;
  justify-content: center;
  padding: 8px 0 12px;
}

.pay-cycle-arrow-down-svg {
  width: 24px;
  height: 40px;
  display: block;
  filter: drop-shadow(0 1px 2px rgba(184, 134, 11, 0.2));
}

.pay-cycle-bill {
  padding-top: 8px;
  border-top: 1px dashed rgba(212, 175, 55, 0.4);
  margin-top: 8px;
}

.pay-cycle-bill-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  max-width: 480px;
  margin: 0 auto;
}

.pay-cycle-bill-box {
  padding: 20px 16px 18px;
  border-radius: 16px;
  text-align: center;
  background: linear-gradient(180deg, #fff 0%, var(--pearl-mid) 100%);
  border: 1px solid rgba(212, 175, 55, 0.2);
  box-shadow: inset 0 1px 0 #fff;
}

.pay-cycle-bill-svg {
  width: 52px;
  height: 52px;
  display: block;
  margin: 0 auto 12px;
}

.pay-cycle-bill-box strong {
  display: block;
  font-size: 0.92rem;
  margin-bottom: 6px;
}

.pay-cycle-bill-box p {
  font-size: 0.8rem;
  margin: 0;
  line-height: 1.45;
  color: var(--text-muted);
}

.pay-cycle-bill-good {
  border-color: var(--success-border);
  box-shadow: inset 0 1px 0 #fff, 0 4px 16px rgba(45, 122, 82, 0.08);
}

.pay-cycle-bill-good strong { color: var(--success); }

.pay-cycle-bill-caution {
  border-color: var(--danger-border);
  box-shadow: inset 0 1px 0 #fff, 0 4px 16px rgba(196, 92, 92, 0.08);
}

.pay-cycle-bill-caution strong { color: var(--danger); }

@media (max-width: 720px) {
  .pay-cycle-overview {
    flex-wrap: wrap;
    gap: 8px 4px;
    padding: 14px 8px;
  }

  .pay-cycle-overview-step {
    flex: 1 1 40%;
    max-width: none;
  }

  .pay-cycle-overview-connector {
    display: none;
  }

  .pay-cycle-flow-wide {
    max-width: 240px;
    margin-left: auto;
    margin-right: auto;
  }

  .pay-cycle-flow,
  .pay-cycle-flow-compact {
    flex-direction: column;
    align-items: stretch;
    max-width: 240px;
    margin-left: auto;
    margin-right: auto;
  }

  .pay-cycle-node {
    max-width: none;
    width: 100%;
  }

  .pay-cycle-arrow {
    flex: 0 0 auto;
    flex-direction: row;
    padding: 6px 0;
    transform: rotate(90deg);
  }

  .pay-cycle-arrow-label {
    display: none;
  }

  .pay-cycle-arrow-svg {
    width: 28px;
    height: 28px;
  }

  .pay-cycle-network-band {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 520px) {
  .pay-cycle-bill-grid {
    grid-template-columns: 1fr;
    max-width: 240px;
  }

  .pay-cycle {
    padding: 24px 16px;
  }
}

.guide-section-highlight {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}

.guide-tips { list-style: none; padding: 0; }

.guide-tips li { margin-bottom: 12px; }

.guide-tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.guide-tip-box {
  border-radius: var(--radius);
  padding: 24px;
  border: 1px solid var(--border);
}

.guide-tip-good { background: var(--success-bg); border-color: rgba(45, 122, 82, 0.3); }

.guide-tip-care { background: var(--surface); }

.guide-tip-box h3 { margin-bottom: 12px; font-size: 1.05rem; }

.guide-tip-box ul { padding-inline-start: 1.2rem; margin: 0; }

.guide-gentle-warning h2 { color: var(--text); }

.guide-gentle-box {
  background: var(--surface);
  border: 1px dashed var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin: 20px 0;
}

.guide-gentle-box h3 { margin-bottom: 12px; font-size: 1.05rem; }

.guide-cta-section { margin-top: 48px; }

.guide-teaser {
  text-align: center;
  padding: 64px 24px;
  background: var(--surface);
  border-block: 1px solid var(--border);
  margin-block: 32px;
}

.guide-teaser h2 { margin-bottom: 12px; font-size: 1.5rem; }

.guide-teaser p {
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto 20px;
  line-height: 1.6;
}

/* Lang switcher & nav */
.nav-right {
  display: flex;
  align-items: center;
  gap: 12px;
}

.lang-switch {
  display: flex;
  gap: 4px;
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 3px;
}

.lang-switch a {
  font-size: 0.78rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 999px;
  text-decoration: none;
  color: var(--text-muted);
}

.lang-switch a.lang-active {
  background: var(--gold-light);
  color: var(--gold-dark);
}

html[dir="ltr"] .nav-links { flex-direction: row; }

html[dir="ltr"] .compare-bar { flex-direction: row; }

html[dir="ltr"] .bank-pick-actions {
  flex-direction: row;
  justify-content: space-between;
}

.footer a {
  color: var(--primary);
  text-decoration: none;
}

.footer a:hover {
  text-decoration: underline;
}

.modal-note {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-bottom: 16px;
}

.modal-actions {
  margin-top: 24px;
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

/* How Section */
.how-section {
  padding: 80px 24px;
  text-align: center;
}

.how-section h2 {
  font-size: 2rem;
  margin-bottom: 48px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px;
}

.step {
  padding: 32px 24px;
  border-radius: var(--radius-xl);
}

.step:not(.glass-card) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.2rem;
  margin: 0 auto 16px;
}

.step h3 {
  font-size: 1.1rem;
  margin-bottom: 8px;
}

.step p {
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* Partners */
.partners-section {
  padding: 80px 24px;
  background: var(--surface);
  border-top: 1px solid var(--border);
}

.partners-section h2 {
  text-align: center;
  font-size: 2rem;
  margin-bottom: 8px;
}

.partners-sub {
  text-align: center;
  color: var(--text-muted);
  margin-bottom: 40px;
}

.partners-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  margin-bottom: 48px;
}

.partner {
  padding: 16px 28px;
  border-radius: 12px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid var(--border);
  text-decoration: none;
  transition: transform 0.2s, border-color 0.2s;
}

.partner:hover {
  transform: translateY(-2px);
  border-color: rgba(255,255,255,0.2);
}

.partner.bank {
  background: rgba(245, 158, 11, 0.08);
  color: var(--bank);
}

.partner.nonbank {
  background: rgba(212, 196, 168, 0.08);
  color: var(--nonbank);
}

.cta-box {
  text-align: center;
  padding: 48px;
  border-radius: var(--radius-xl);
  max-width: 640px;
  margin: 0 auto;
}

.cta-box:not(.glass-panel) {
  background: var(--surface-2);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.cta-box h3 {
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.cta-box p {
  color: var(--text-muted);
  margin-bottom: 24px;
}

/* Modal */
.modal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 200;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.modal.open { display: flex; }

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: var(--overlay);
  backdrop-filter: blur(6px);
}

.modal-content {
  position: relative;
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  max-width: 960px;
  width: 100%;
  max-height: 85vh;
  overflow: auto;
  box-shadow: var(--shadow);
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 1;
}

.modal-close {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1.2rem;
  cursor: pointer;
}

.modal-body { padding: 24px; }

.compare-table {
  width: 100%;
  border-collapse: collapse;
}

.compare-table th,
.compare-table td {
  padding: 14px 16px;
  text-align: right;
  border-bottom: 1px solid var(--border);
}

.compare-table th {
  background: var(--surface-2);
  font-weight: 600;
  font-size: 0.9rem;
}

.compare-table td:first-child {
  color: var(--text-muted);
  font-weight: 500;
  width: 140px;
}

.compare-table tr:last-child td { border-bottom: none; }

.best-cell {
  background: var(--success-bg);
  color: var(--success);
  font-weight: 700;
  border-radius: 6px;
  padding: 2px 6px;
}

.th-bank { border-top: 3px solid var(--bank) !important; }
.th-nonbank { border-top: 3px solid var(--nonbank) !important; }

.modal-bvn-note {
  background: rgba(184, 134, 11, 0.15);
  border: 1px solid rgba(184, 134, 11, 0.3);
  border-radius: 12px;
  padding: 12px 16px;
  margin-bottom: 16px;
  font-size: 0.95rem;
}

.hidden { display: none !important; }

/* Bank vs Non-bank section */
.bvn-section { padding: 80px 0; }

.bvn-summary {
  margin-bottom: 32px;
  text-align: center;
}

.bvn-verdict {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 16px;
  line-height: 1.8;
}

.bvn-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.bvn-col {
  border-radius: var(--radius-xl);
  padding: 24px;
}

.bvn-col:not(.glass-panel) {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.bvn-col.bank { border-top: 4px solid var(--bank); }
.bvn-col.nonbank { border-top: 4px solid var(--nonbank); }

.bvn-col-header h3 { margin: 8px 0 4px; font-size: 1.25rem; }
.bvn-col-header p { color: var(--text-muted); font-size: 0.9rem; }

.bvn-list { display: flex; flex-direction: column; gap: 12px; margin-top: 16px; }

.bvn-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px;
  background: var(--surface-2);
  border-radius: 12px;
  flex-wrap: wrap;
}

.bvn-item.bvn-top { border: 1px solid var(--success-border); }

.bvn-rank {
  background: var(--success);
  color: var(--on-gold);
  font-weight: 800;
  font-size: 0.75rem;
  padding: 4px 8px;
  border-radius: 6px;
}

.bvn-item-info { flex: 1; min-width: 140px; }
.bvn-item-info strong { display: block; font-size: 0.95rem; }
.bvn-item-info span { color: var(--text-muted); font-size: 0.8rem; }

.bvn-net { font-weight: 700; font-size: 0.95rem; min-width: 70px; text-align: left; }

/* Compare how-to */
.compare-howto {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 24px;
}

.howto-step {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--text-muted);
}

.howto-step span {
  background: var(--primary);
  color: var(--on-gold);
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
}

#quick-bvn-btn { margin-right: auto; }

/* Split view */
.cards-split {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 16px;
  align-items: start;
}

.split-col h3 {
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}

.bank-col h3 { color: var(--bank); border-color: var(--bank); }
.nonbank-col h3 { color: var(--nonbank); border-color: var(--nonbank); }

.split-count {
  background: var(--surface-2);
  padding: 2px 10px;
  border-radius: 999px;
  font-size: 0.85rem;
  margin-right: 8px;
}

.split-divider {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 60px;
}

.split-divider span {
  background: linear-gradient(135deg, var(--bank), var(--nonbank));
  color: var(--on-gold);
  font-weight: 800;
  padding: 12px 16px;
  border-radius: 50%;
  font-size: 0.9rem;
}

.split-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.split-cards .card-item { margin: 0; }

.compare-bar {
  position: sticky;
  bottom: 16px;
  z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid rgba(184, 134, 11, 0.35);
  box-shadow: 0 8px 32px rgba(80, 60, 20, 0.18);
}

/* Footer */
.footer {
  padding: 32px 24px;
  text-align: center;
  color: var(--text-muted);
  font-size: 0.85rem;
  border-top: 1px solid var(--border);
}

.footer-disclaimer {
  margin-top: 8px;
  font-size: 0.75rem;
  opacity: 0.85;
}

/* Responsive */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hero-stats { gap: 24px; }
  .perfect-winner-block { grid-template-columns: 1fr; }
  .bank-upsell-body { grid-template-columns: 1fr; }
  .bank-upsell-actions { flex-direction: column; }
  .bank-upsell-actions .btn-lg { width: 100%; }
  .perfect-alts-grid { grid-template-columns: 1fr; }
  .perfect-winner-actions { flex-direction: column; }
  .perfect-winner-actions .btn-lg { width: 100%; }
  .compare-bar { flex-direction: column; align-items: stretch; }
  .cards-grid { grid-template-columns: 1fr; }
  .bvn-grid { grid-template-columns: 1fr; }
  .cards-split { grid-template-columns: 1fr; }
  .split-divider { padding: 8px 0; }
  .compare-howto { flex-direction: column; align-items: flex-start; }
  #quick-bvn-btn { margin-right: 0; }
  .calc-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .why-page-hero { padding-top: 48px; }
  .why-scoreboard { grid-template-columns: repeat(2, 1fr); }
  .guide-cards-row { grid-template-columns: 1fr; }
  .guide-tips-grid { grid-template-columns: 1fr; }
  .nav-right { flex-wrap: wrap; justify-content: center; }
  .compare-matrix { font-size: 0.8rem; }
  .bank-select { min-width: 140px; }
}

/* Features section — pure CSS glass (no Tailwind) */
#features {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background: var(--bg);
  padding: 5rem 1.5rem;
}

#features .features-glow {
  pointer-events: none;
  position: absolute;
  inset: 0;
  z-index: 0;
}

#features .features-glow::before {
  content: '';
  position: absolute;
  left: 50%;
  top: 0;
  width: 28rem;
  height: 28rem;
  transform: translateX(-50%);
  border-radius: 50%;
  background: rgba(251, 191, 36, 0.2);
  filter: blur(100px);
}

#features .features-inner {
  position: relative;
  z-index: 1;
  max-width: 72rem;
  margin: 0 auto;
}

#features .features-heading {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto;
}

#features .features-eyebrow {
  margin-bottom: 0.75rem;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(251, 191, 36, 0.9);
}

#features .features-title {
  font-size: clamp(1.875rem, 4vw, 3rem);
  font-weight: 800;
  background: linear-gradient(to left, #fde68a, #facc15, #d97706);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

#features .features-sub {
  margin-top: 1rem;
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--text-muted);
}

#features .features-grid {
  display: grid;
  gap: 1.5rem;
  margin-top: 3.5rem;
}

@media (min-width: 640px) {
  #features .features-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  #features .features-grid { grid-template-columns: repeat(3, 1fr); gap: 2rem; }
  #features .features-grid .glass-feature-wide { grid-column: span 1; }
}

.glass-feature-card {
  padding: 2rem;
  border-radius: var(--radius-xl);
}

.glass-feature-card .glass-icon {
  width: 3.5rem;
  height: 3.5rem;
  border-radius: 0.75rem;
  margin-bottom: 1.5rem;
}

.glass-feature-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
}

.glass-feature-card p {
  margin-top: 0.75rem;
  font-size: 0.875rem;
  line-height: 1.65;
  color: var(--text-muted);
}

.glass-feature-card a {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: 1.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--accent);
  text-decoration: none;
}

.glass-feature-card a:hover { color: var(--gold-dark); }

/* Fallback: style #features cards even if old Tailwind markup remains */
#features article {
  background: var(--surface);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: 0 0 40px rgba(212, 175, 55, 0.08);
  transition: border-color 0.25s, box-shadow 0.25s, background 0.25s;
}

#features article:hover {
  border-color: rgba(251, 191, 36, 0.35);
  box-shadow: 0 0 50px rgba(212, 175, 55, 0.15);
}

#features article h3 { color: var(--text); }
#features article p { color: var(--text-muted); }
#features article a { color: var(--accent); text-decoration: none; }
#features article a:hover { color: var(--gold-dark); }

/* Credit cycle wheel */
.cycle-wrap {
  width: 100%;
  max-width: 680px;
  margin: 28px auto 0;
  padding: 24px;
  background:
    radial-gradient(ellipse 90% 60% at 50% 0%, rgba(212, 175, 55, 0.1), transparent 70%),
    rgba(255, 255, 255, 0.62);
  border: 1px solid rgba(184, 134, 11, 0.22);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
}

.cycle-title {
  text-align: center;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 20px;
}

.cycle-stage {
  position: relative;
  width: 100%;
  aspect-ratio: 1;
  max-width: 560px;
  margin: 0 auto;
}

.cycle-ring {
  position: absolute;
  inset: 8%;
  border-radius: 50%;
  border: 2px solid rgba(212, 175, 55, 0.35);
  background: radial-gradient(circle, rgba(255, 253, 248, 0.55) 0%, transparent 70%);
  pointer-events: none;
}

.cycle-arrow {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 28px;
  height: 3px;
  margin-top: -1.5px;
  background: linear-gradient(90deg, #c9a227, #d4af37, #f5e6b8);
  border-radius: 2px;
  transform-origin: 0 50%;
  pointer-events: none;
}

.cycle-arrow::after {
  content: '';
  position: absolute;
  right: -2px;
  top: 50%;
  transform: translateY(-50%);
  border: 5px solid transparent;
  border-left: 8px solid #d4af37;
}

.cycle-center {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 38%;
  max-width: 200px;
  aspect-ratio: 1;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 12px;
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(212, 175, 55, 0.45);
  box-shadow: 0 8px 32px rgba(139, 105, 20, 0.12), inset 0 1px 0 rgba(255, 255, 255, 0.9);
  font-family: Georgia, serif;
  font-size: clamp(0.65rem, 2.2vw, 0.9rem);
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: 0.06em;
  color: var(--gold-dark);
  z-index: 2;
}

.cycle-step {
  position: absolute;
  top: 50%;
  left: 50%;
  width: clamp(72px, 18vw, 96px);
  height: clamp(72px, 18vw, 96px);
  margin: calc(clamp(72px, 18vw, 96px) / -2);
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
  padding: 8px 6px;
  cursor: default;
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 2px solid rgba(212, 175, 55, 0.55);
  box-shadow: 0 6px 20px rgba(139, 105, 20, 0.1), inset 0 1px 0 rgba(255, 255, 255, 0.85);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  z-index: 3;
}

.cycle-step:hover,
.cycle-step.is-active {
  transform: scale(1.1);
  border-color: #d4af37;
  box-shadow: 0 10px 28px rgba(184, 134, 11, 0.22), inset 0 1px 0 #fff;
  z-index: 5;
}

.cycle-step-num {
  font-size: 1.15rem;
  font-weight: 800;
  line-height: 1;
  color: var(--gold-dark);
}

.cycle-step-label {
  font-size: 0.58rem;
  font-weight: 700;
  text-align: center;
  line-height: 1.15;
  color: var(--text);
  max-width: 88px;
}

.cycle-step-emoji {
  font-size: 1rem;
  line-height: 1;
}

.cycle-tooltip {
  position: absolute;
  bottom: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(4px);
  min-width: 180px;
  max-width: 220px;
  padding: 10px 12px;
  font-size: 0.75rem;
  line-height: 1.45;
  text-align: center;
  color: var(--text);
  background: rgba(255, 254, 249, 0.97);
  border: 1px solid rgba(212, 175, 55, 0.4);
  border-radius: 10px;
  box-shadow: 0 8px 24px rgba(61, 52, 40, 0.12);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s, transform 0.2s, visibility 0.2s;
  pointer-events: none;
  z-index: 10;
}

.cycle-tooltip::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 50%;
  margin-left: -6px;
  border: 6px solid transparent;
  border-top-color: rgba(212, 175, 55, 0.4);
}

.cycle-step:hover .cycle-tooltip,
.cycle-step.is-active .cycle-tooltip {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.cycle-foot {
  margin-top: 20px;
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
  padding: 0 8px;
}

html[dir="rtl"] .cycle-step-label,
html[dir="rtl"] .cycle-tooltip {
  direction: rtl;
}

@media (max-width: 520px) {
  .cycle-wrap { padding: 18px 12px; }
  .cycle-stage { max-width: 320px; }

  .cycle-step {
    width: 64px;
    height: 64px;
    margin: -32px;
  }

  .cycle-step-label {
    font-size: 0.5rem;
    max-width: 58px;
  }

  .cycle-step-num { font-size: 0.95rem; }
  .cycle-center {
    width: 34%;
    font-size: 0.55rem;
  }
  .cycle-arrow { width: 16px; }
}

.about-points {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 28px;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.about-point {
  padding: 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  text-align: center;
}

.about-point strong {
  display: block;
  color: var(--gold-dark);
  font-size: 1rem;
  margin-bottom: 6px;
}

.about-point span {
  display: block;
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.5;
}

.contact-box {
  padding: 32px;
  text-align: center;
  border-radius: var(--radius-xl);
}

.contact-box .why-page-h2 {
  margin-bottom: 12px;
}

.contact-box p {
  color: var(--text-muted);
  margin-bottom: 12px;
}

.contact-email {
  margin: 20px 0 !important;
}

.contact-email a {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gold-dark);
  text-decoration: none;
}

.contact-email a:hover {
  color: var(--accent);
  text-decoration: underline;
}

.partner-contact {
  max-width: 620px;
  margin: 22px auto;
  padding: 18px;
  background: rgba(212, 175, 55, 0.1);
  border: 1px solid rgba(184, 134, 11, 0.28);
  border-radius: var(--radius);
}

.partner-contact strong {
  display: block;
  color: var(--gold-dark);
  font-size: 1.05rem;
  margin-bottom: 6px;
}

.partner-contact span {
  display: block;
  color: var(--text-muted);
  line-height: 1.55;
  margin-bottom: 14px;
}

.contact-note {
  font-size: 0.85rem;
  opacity: 0.85;
}

@media (max-width: 768px) {
  .about-points {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 380px) {
  .cycle-stage {
    aspect-ratio: auto;
    max-width: 100%;
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding-top: 8px;
  }

  .cycle-ring,
  .cycle-arrow,
  .cycle-center {
    display: none;
  }

  .cycle-step {
    position: relative;
    top: auto !important;
    left: auto !important;
    width: 100%;
    height: auto;
    margin: 0;
    flex-direction: row;
    gap: 12px;
    padding: 14px 16px;
    border-radius: 14px;
    max-width: 100%;
    transform: none !important;
  }

  .cycle-step:hover,
  .cycle-step.is-active {
    transform: none !important;
  }

  .cycle-step-label {
    max-width: none;
    font-size: 0.85rem;
    text-align: start;
    flex: 1;
  }

  .cycle-tooltip {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    min-width: 0;
    max-width: none;
    margin-top: 6px;
    text-align: start;
    display: none;
  }

  .cycle-step.is-active .cycle-tooltip {
    display: block;
  }
}