/* =========================================================
   BANK TREE — "MONEY GARDEN" DESIGN SYSTEM
   A colorful, playful fintech identity built on the palette
   of Indian currency notes: money green, marigold saffron,
   sky blue and magenta — chunky ink outlines, offset "sticker"
   shadows, and a blooming-tree signature motif.
   ========================================================= */

:root{
  /* --- palette (currency-note colors) --- */
  --bg:           #FFFFFF;
  --cream:        #FFF6E4;   /* warm accent card bg */
  --white:        #FFFFFF;
  --ink:          #12261F;   /* near-black green-ink — text + outlines */
  --ink-soft:     #3E5850;
  --ink-faint:    #74897F;

  --green:        #0E9A5B;   /* signature money green */
  --green-deep:   #087246;
  --green-pale:   #DCF5E7;

  --brass:        #FFB020;   /* marigold / saffron (₹20 note) */
  --brass-deep:   #DE8C00;
  --brass-pale:   #FFE9BC;

  --sky:          #2FB1E8;   /* ₹50 note fluorescent blue */
  --sky-deep:     #1487BB;
  --sky-pale:     #D9F2FC;

  --stamp:        #F0407D;   /* ₹2000 note magenta */
  --stamp-deep:   #C22A5F;
  --stamp-pale:   #FCDCE7;

  --violet:       #8C6BFF;   /* ₹100 note lavender */
  --violet-pale:  #E8E1FF;

  --line:         #12261F;   /* thick ink outline, used at 1.5–2.5px */
  --line-soft:    #DCE4DD;

  --font-display: 'Bricolage Grotesque', sans-serif;
  --font-body:    'Plus Jakarta Sans', -apple-system, sans-serif;
  --font-mono:    'JetBrains Mono', monospace;

  --radius-s: 10px;
  --radius-m: 18px;
  --radius-l: 28px;

  --shadow-card:   4px 4px 0 var(--ink);
  --shadow-raised: 7px 7px 0 var(--ink);
  --shadow-sm:     3px 3px 0 var(--ink);
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

body{
  margin:0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img{ max-width:100%; display:block; }
a{ color: inherit; text-decoration: none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family: inherit; cursor:pointer; }
h1,h2,h3,h4{ font-family: var(--font-display); margin:0; font-weight: 700; color: var(--ink); letter-spacing:-0.01em; }
p{ margin:0; }

:focus-visible{
  outline: 3px solid var(--sky);
  outline-offset: 3px;
}

.wrap{
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 32px;
  position: relative;
}

.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family: var(--font-mono);
  font-size: 12.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--stamp-deep);
  background: var(--stamp-pale);
  border: 1.5px solid var(--ink);
  border-radius: 100px;
  padding: 6px 14px;
  margin-bottom: 18px;
}

/* =========================================================
   DECORATIVE BLOBS — signature ambient color motif
   ========================================================= */
.blob{
  position:absolute; border-radius:50%; filter: blur(2px); z-index:0; pointer-events:none;
  opacity:0.55;
}
.stub-divider{
  position: relative;
  height: 46px;
  background-image: repeating-linear-gradient(-45deg, var(--brass) 0 22px, var(--sky) 22px 44px, var(--stamp) 44px 66px, var(--green) 66px 88px);
  background-size: 88px 88px;
  border-top: 2px solid var(--ink);
  border-bottom: 2px solid var(--ink);
  opacity: 0.9;
}
.stub-divider.on-ink{ opacity:1; }

/* =========================================================
   NAVIGATION
   ========================================================= */
.site-header{
  position: sticky; top:0; z-index: 100;
  background: var(--white);
  border-bottom: 2.5px solid var(--ink);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding: 16px 32px;
  max-width: 1180px; margin:0 auto;
}
.brand{
  display:flex; align-items:center; gap:10px;
  font-family: var(--font-display);
  font-size: 22px; font-weight: 800; letter-spacing: -0.01em;
  color: var(--ink);
}
.brand .mark{
  display:inline-flex; align-items:center; justify-content:center;
  width: 34px; height: 34px;
  background: var(--green);
  border: 2px solid var(--ink);
  border-radius: 50%;
  font-family: var(--font-mono);
  font-weight:700;
  font-size: 13px;
  color: var(--white);
  transform: rotate(-6deg);
  box-shadow: 2px 2px 0 var(--ink);
}
.nav-links{
  display:flex; align-items:center; gap: 30px;
}
.nav-links a{
  font-size: 14.5px; font-weight:600; color: var(--ink-soft);
  position: relative;
  padding: 4px 0;
}
.nav-links a:hover{ color: var(--ink); }
.nav-links a.active{ color: var(--ink); }
.nav-links a.active::after{
  content:"";
  position:absolute; left:0; right:0; bottom:-4px;
  height: 3px; background: var(--stamp); border-radius:2px;
}
.nav-cta{
  display:inline-flex; align-items:center; gap:8px;
  background: var(--brass); color: var(--ink);
  font-size: 14px; font-weight: 700;
  padding: 10px 22px;
  border-radius: 100px;
  border: 2px solid var(--ink);
  box-shadow: 3px 3px 0 var(--ink);
  transition: transform .15s ease, box-shadow .15s ease;
}
.nav-cta:hover{ transform: translate(2px,2px); box-shadow: 1px 1px 0 var(--ink); }
.nav-toggle{ display:none; background:none; border:none; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{
  content:""; display:block; width:22px; height:2.5px; background:var(--ink); border-radius:2px;
  position:relative; transition: all .2s ease;
}
.nav-toggle span::before{ position:absolute; top:-7px; }
.nav-toggle span::after{ position:absolute; top:7px; }
.nav-right{ display:flex; align-items:center; gap:16px; }

.nav-item{ position:relative; }
.nav-trigger{
  background:none; border:none; font-family:inherit; font-size:14.5px; font-weight:600;
  color: var(--ink-soft); display:flex; align-items:center; gap:6px; padding:4px 0;
}
.nav-trigger:hover{ color: var(--ink); }
.nav-trigger .caret{ font-size:11px; transition: transform .18s ease; color: var(--stamp); }
.nav-item.open .nav-trigger .caret{ transform: rotate(180deg); }
.nav-dropdown{
  display:none; position:absolute; top:calc(100% + 16px); left:0;
  background: var(--white); border:2px solid var(--ink); border-radius: var(--radius-m);
  box-shadow: var(--shadow-raised); min-width: 260px; padding:8px; z-index:120;
}
.nav-item.open .nav-dropdown{ display:block; }
.nav-dropdown a{
  display:flex; align-items:center; justify-content:space-between; gap:10px;
  padding:12px 14px; border-radius: var(--radius-s); font-size:14px; font-weight:600; color: var(--ink-soft);
  border-left: 3px solid transparent;
}
.nav-dropdown a:hover{ background: var(--green-pale); color: var(--ink); border-left-color: var(--green); }
.nav-dropdown .tag{
  font-family: var(--font-mono); font-size:10px; letter-spacing:.04em;
  background: var(--stamp); color:#fff; padding:3px 9px; border-radius:100px; text-transform:uppercase;
}

/* =========================================================
   BUTTONS
   ========================================================= */
.btn{
  display:inline-flex; align-items:center; gap:10px;
  font-family: var(--font-body); font-weight:700; font-size: 15px;
  padding: 13px 26px;
  border-radius: 100px;
  border: 2.25px solid var(--ink);
  transition: transform .15s ease, box-shadow .15s ease;
  box-shadow: var(--shadow-sm);
  white-space: nowrap;
}
.btn:hover{ transform: translate(3px,3px); box-shadow: 0 0 0 var(--ink); }
.btn-primary{ background: var(--stamp); color: var(--white); }
.btn-ink{ background: var(--green); color: var(--white); }
.btn-outline{ background: var(--white); color: var(--ink); }
.btn-arrow{ transition: transform .18s ease; }
.btn:hover .btn-arrow{ transform: translateX(3px); }
.btn-block{ width:100%; justify-content:center; }

/* =========================================================
   HERO
   ========================================================= */
.hero{
  position: relative;
  padding: 64px 0 0;
  overflow: hidden;
}
.hero::before{
  content:""; position:absolute; top:-120px; right:-100px; width:420px; height:420px;
  background: var(--sky-pale); border-radius:50%; z-index:0;
}
.hero::after{
  content:""; position:absolute; bottom:20px; left:-140px; width:320px; height:320px;
  background: var(--brass-pale); border-radius:50%; z-index:0;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items:center;
  padding-bottom: 64px;
  position:relative; z-index:1;
}
.hero h1{
  font-size: clamp(38px, 5vw, 58px);
  line-height: 1.08;
  letter-spacing: -0.015em;
  color: var(--ink);
}
.hero h1 em{
  font-style: normal;
  background: linear-gradient(180deg, transparent 60%, var(--brass) 60%);
  padding: 0 2px;
}
.hero p.lede{
  margin-top: 22px;
  font-size: 18px;
  color: var(--ink-soft);
  max-width: 46ch;
  line-height: 1.65;
}
.hero-actions{
  margin-top: 30px;
  display:flex; gap: 14px; flex-wrap: wrap;
}
.hero-note{
  margin-top: 26px;
  display:flex; align-items:center; gap:10px;
  font-family: var(--font-mono); font-size: 12.5px;
  color: var(--ink-faint); letter-spacing: 0.02em;
}
.hero-note .dot{ width:8px; height:8px; border-radius:50%; background: var(--green); border:1.5px solid var(--ink); }

/* passbook -> "growth card" sticker */
.passbook{
  position: relative;
  background: var(--white);
  border: 2.5px solid var(--ink);
  border-radius: var(--radius-l);
  box-shadow: var(--shadow-raised);
  padding: 26px 24px 22px;
  transform: rotate(2deg);
}
.passbook::before{ content:none; }
.passbook-head{
  display:flex; justify-content:space-between; align-items:flex-start;
  padding-bottom: 16px; margin-bottom:16px;
  border-bottom: 2px dashed var(--line-soft);
}
.passbook-head .label{ font-family: var(--font-mono); font-size:11px; letter-spacing:.08em; color: var(--ink-faint); text-transform:uppercase; }
.passbook-head .value{ font-family: var(--font-display); font-size: 20px; margin-top:4px; }
.passbook-stamp{
  position:absolute; top: -18px; right: 18px;
  width: 86px; height: 86px;
  background: var(--green);
  border: 2.5px solid var(--ink);
  border-radius: 50%;
  color: var(--white);
  display:flex; align-items:center; justify-content:center;
  text-align:center;
  font-family: var(--font-mono);
  font-size: 11px; letter-spacing:.06em; text-transform:uppercase;
  transform: rotate(-10deg);
  opacity: 0;
  box-shadow: 3px 3px 0 var(--ink);
  animation: stampIn 0.4s cubic-bezier(.2,1.4,.4,1) 0.5s forwards;
}
.passbook-stamp span{ display:block; font-family:var(--font-display); font-size:15px; font-weight:700; }
@keyframes stampIn{
  0%{ opacity:0; transform: rotate(-10deg) scale(2); }
  60%{ opacity:1; }
  100%{ opacity:1; transform: rotate(-10deg) scale(1); }
}
.ledger-row{
  display:flex; align-items:baseline; justify-content:space-between;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line-soft);
  font-family: var(--font-mono);
  font-size: 13.5px;
}
.ledger-row:last-child{ border-bottom:none; }
.ledger-row .k{ color: var(--ink-faint); white-space:nowrap; }
.ledger-row .leader{ flex:1; border-bottom: 1px dotted var(--line-soft); transform: translateY(-4px); margin: 0 6px; }
.ledger-row .v{ color: var(--ink); font-weight:700; white-space:nowrap; }
.ledger-row .v.green{ color: var(--green-deep); }

.partner-strip{
  border-top: 2px solid var(--ink);
  padding: 28px 0 40px;
  position:relative; z-index:1;
}
.partner-strip .caption{
  font-family: var(--font-mono); font-size:12px; letter-spacing:.1em; text-transform:uppercase;
  color: var(--ink-faint); margin-bottom: 18px; text-align:center;
}
.chip-row{ display:flex; flex-wrap:wrap; justify-content:center; gap:12px; }
.chip{
  font-family: var(--font-mono); font-weight:600; font-size: 13px;
  padding: 9px 18px;
  border: 2px solid var(--ink);
  border-radius: 100px;
  color: var(--ink);
  background: var(--white);
}
.chip:nth-child(4n+1){ background: var(--green-pale); }
.chip:nth-child(4n+2){ background: var(--brass-pale); }
.chip:nth-child(4n+3){ background: var(--sky-pale); }
.chip:nth-child(4n+4){ background: var(--stamp-pale); }

/* =========================================================
   SECTIONS
   ========================================================= */
.section{ padding: 84px 0; position:relative; z-index:1; }
.section-head{ max-width: 620px; margin-bottom: 46px; }
.section-head h2{ font-size: clamp(28px, 3.4vw, 40px); line-height:1.15; }
.section-head p{ margin-top:14px; color: var(--ink-soft); font-size:16.5px; line-height:1.6; }
.section.on-ink{ background: var(--ink); color: var(--white); }
.section.on-ink .section-head h2{ color: var(--white); }
.section.on-ink .section-head p{ color: #B9C9C1; }
.section.on-ink .eyebrow{ background: var(--white); color: var(--ink); }
.section.on-raised{ background: var(--cream); }

/* steps */
.steps{ display:grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.step{
  background: var(--white); border: 2.25px solid var(--ink); border-radius: var(--radius-m);
  padding: 30px 26px; position: relative; box-shadow: var(--shadow-card);
  transition: transform .18s ease, box-shadow .18s ease;
}
.step:hover{ transform: translate(2px,2px); box-shadow: 2px 2px 0 var(--ink); }
.step .num{ font-family: var(--font-mono); font-weight:700; font-size:13px; letter-spacing:.04em; text-transform:uppercase; margin-bottom: 18px; display:inline-block; padding:4px 12px; border-radius:100px; border:1.5px solid var(--ink); }
.steps .step:nth-child(3n+1) .num{ background: var(--green-pale); color: var(--green-deep); }
.steps .step:nth-child(3n+2) .num{ background: var(--brass-pale); color: var(--brass-deep); }
.steps .step:nth-child(3n+3) .num{ background: var(--sky-pale); color: var(--sky-deep); }
.step h3{ font-size: 20px; margin-bottom:10px; }
.step p{ color: var(--ink-soft); font-size:14.5px; line-height:1.6; }

/* product cards */
.products{ display:grid; grid-template-columns: repeat(2,1fr); gap: 26px; }
.products.products-3{ grid-template-columns: repeat(3,1fr); }
@media (max-width: 1000px){ .products.products-3{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px){ .products.products-3{ grid-template-columns: 1fr; } }
.product-card{
  background: var(--white); border: 2.5px solid var(--ink); border-radius: var(--radius-m);
  padding: 32px; box-shadow: var(--shadow-raised);
  transition: transform .2s ease, box-shadow .2s ease;
}
.product-card:hover{ transform: translate(3px,3px); box-shadow: 3px 3px 0 var(--ink); }
.product-card .icon{
  width:54px; height:54px; border-radius: 50%; border: 2.25px solid var(--ink);
  display:flex; align-items:center; justify-content:center; margin-bottom:22px;
  font-family: var(--font-display); font-weight:700; font-size: 21px;
}
.products .product-card:nth-child(3n+1) .icon{ background: var(--green); color:var(--white); }
.products .product-card:nth-child(3n+2) .icon{ background: var(--stamp); color:var(--white); }
.products .product-card:nth-child(3n+3) .icon{ background: var(--sky); color:var(--white); }
.product-card h3{ font-size: 23px; margin-bottom:10px; }
.product-card p{ color: var(--ink-soft); font-size: 15px; margin-bottom: 20px; }
.product-card .rate{ font-family: var(--font-mono); font-weight:600; font-size:13px; color: var(--green-deep); margin-bottom: 22px; display:block; }
.product-card .cta-row{ display:flex; align-items:center; justify-content:space-between; }
.product-card .cta-row a{ font-weight:700; font-size:14.5px; display:flex; align-items:center; gap:6px; }

/* testimonials */
.testimonials{ display:grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testi-card{
  background: var(--white); border: 2.25px solid var(--ink); border-radius: var(--radius-m);
  padding: 28px; position: relative; box-shadow: var(--shadow-card);
}
.testimonials .testi-card:nth-child(3n+1){ transform: rotate(-1.4deg); }
.testimonials .testi-card:nth-child(3n+2){ transform: rotate(1deg); }
.testimonials .testi-card:nth-child(3n+3){ transform: rotate(-0.6deg); }
.testi-card .quote-mark{ font-family: var(--font-display); font-size:44px; color: var(--stamp); line-height:1; margin-bottom:6px; }
.testi-card p.body-text{ color: var(--ink-soft); font-size:15px; line-height:1.65; margin-bottom:20px; }
.testi-card .who{ display:flex; align-items:center; gap:12px; }
.testi-card .avatar{
  width:38px; height:38px; border-radius:50%; border:2px solid var(--ink);
  display:flex; align-items:center; justify-content:center; font-family: var(--font-mono); font-weight:700; font-size:13px; color:var(--white);
}
.testimonials .testi-card:nth-child(3n+1) .avatar{ background: var(--green); }
.testimonials .testi-card:nth-child(3n+2) .avatar{ background: var(--sky); }
.testimonials .testi-card:nth-child(3n+3) .avatar{ background: var(--brass-deep); }
.testi-card .name{ font-weight:700; font-size:14px; }
.testi-card .loc{ font-family: var(--font-mono); font-size:12px; color: var(--ink-faint); }

/* stats */
.stat-strip{ display:grid; grid-template-columns: repeat(4,1fr); border-top:2px solid var(--white); border-bottom:2px solid var(--white); }
.stat{ padding: 34px 20px; text-align:center; border-right: 2px solid var(--white); }
.stat:last-child{ border-right:none; }
.stat .n{ font-family: var(--font-display); font-weight:800; font-size: 40px; color: var(--brass); }
.stat .l{ font-family: var(--font-mono); font-size:12px; letter-spacing:.05em; color:#CFE0D8; margin-top:8px; text-transform:uppercase; }

/* FAQ accordion */
.faq{ max-width: 780px; }
.faq-item{ border-bottom: 2px solid var(--line-soft); }
.faq-q{
  width:100%; text-align:left; background:none; border:none;
  display:flex; justify-content:space-between; align-items:center;
  padding: 22px 0; font-family: var(--font-display); font-weight:700; font-size:18px; color: var(--ink);
}
.faq-q .plus{
  font-family: var(--font-mono); font-size:16px; color: var(--white); background:var(--stamp);
  width:26px; height:26px; border-radius:50%; border:2px solid var(--ink);
  display:flex; align-items:center; justify-content:center;
  transition: transform .2s ease; flex-shrink:0; margin-left:16px;
}
.faq-item.open .faq-q .plus{ transform: rotate(45deg); }
.faq-a{ max-height:0; overflow:hidden; transition: max-height .3s ease; color: var(--ink-soft); font-size:15px; line-height:1.7; }
.faq-a-inner{ padding-bottom: 22px; max-width: 62ch; }

/* table (rates / eligibility) */
.doc-table{ width:100%; border-collapse: collapse; border: 2px solid var(--ink); border-radius: var(--radius-s); overflow:hidden; }
.doc-table th, .doc-table td{ text-align:left; padding: 14px 16px; border-bottom:1.5px solid var(--line-soft); font-size: 14.5px; }
.doc-table tr:last-child th, .doc-table tr:last-child td{ border-bottom:none; }
.doc-table th{ font-family: var(--font-mono); font-size:12px; text-transform:uppercase; letter-spacing:.06em; color: var(--ink-faint); font-weight:600; background: var(--cream); }
.doc-table td.v{ font-weight:700; color: var(--ink); }
.doc-table td.g{ color: var(--green-deep); font-weight:700; }

/* two-col with sidebar list */
.split{ display:grid; grid-template-columns: 1fr 1fr; gap:56px; align-items:start; }
.check-list li{ display:flex; gap:12px; padding: 12px 0; border-bottom:1.5px solid var(--line-soft); font-size:15px; color: var(--ink-soft); }
.check-list li::before{
  content:"✓"; color: var(--white); background: var(--green); font-weight:700; flex-shrink:0;
  width:20px; height:20px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:12px;
}

/* CTA band */
.cta-band{
  background: var(--stamp); color: var(--white); border: 2.5px solid var(--ink);
  border-radius: var(--radius-l); padding: 52px 46px; box-shadow: var(--shadow-raised);
  display:flex; align-items:center; justify-content:space-between; gap: 30px; flex-wrap: wrap;
}
.cta-band h2{ color: var(--white); font-size: 30px; max-width: 460px; }
.cta-band p{ color:#FFE1EB; margin-top:10px; }
.cta-band .btn-primary{ background: var(--white); color: var(--ink); }

/* =========================================================
   FOOTER
   ========================================================= */
.site-footer{ background: var(--ink); color:#C9D6CF; padding-top: 64px; border-top: 4px solid var(--brass); }
.footer-grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1.5px solid #33473F; }
.footer-brand .brand{ color: var(--white); }
.footer-brand .mark{ background: var(--brass); color:var(--ink); border-color: var(--white); }
.footer-brand p{ margin-top:16px; font-size:14px; color:#93A69B; max-width:32ch; line-height:1.6; }
.footer-col h4{ font-family: var(--font-mono); font-size:12px; letter-spacing:.08em; text-transform:uppercase; color: var(--brass); margin-bottom:18px; font-weight:700; }
.footer-col li{ margin-bottom:11px; }
.footer-col a{ font-size:14px; color:#C9D6CF; }
.footer-col a:hover{ color: var(--white); }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; padding: 24px 0 32px; font-size:13px; color:#7C9089; flex-wrap:wrap; gap:12px; }
.socials{ display:flex; gap:14px; }
.socials a{
  width:32px; height:32px; border-radius:50%; border:1.5px solid #45594F;
  display:flex; align-items:center; justify-content:center; font-size:13px; color:#C9D6CF;
}
.socials a:hover{ border-color: var(--brass); color: var(--brass); }

/* =========================================================
   FORMS (contact / calculator)
   ========================================================= */
.field{ margin-bottom: 20px; }
.field label{ display:block; font-family: var(--font-mono); font-size:12px; text-transform:uppercase; letter-spacing:.05em; color: var(--ink-faint); margin-bottom: 8px; }
.field input, .field select, .field textarea{
  width:100%; padding: 13px 14px; border: 2px solid var(--ink); background: var(--white);
  border-radius: var(--radius-s); font-family: var(--font-body); font-size: 15px; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{ outline: none; border-color: var(--stamp); }
.field-row{ display:grid; grid-template-columns: 1fr 1fr; gap: 18px; }

/* slider */
.slider-field{ margin-bottom: 30px; }
.slider-head{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:12px; }
.slider-head .k{ font-family: var(--font-mono); font-size:12px; text-transform:uppercase; letter-spacing:.05em; color:var(--ink-faint); }
.slider-head .v{ font-family: var(--font-display); font-weight:700; font-size:22px; color: var(--ink); }
input[type="range"]{ -webkit-appearance:none; width:100%; height:6px; background: var(--line-soft); border-radius:4px; outline:none; border: 1.5px solid var(--ink); }
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none; width:22px; height:22px; border-radius:50%;
  background: var(--stamp); border: 2.5px solid var(--ink); cursor:pointer; margin-top:-9px;
}
input[type="range"]::-moz-range-thumb{ width:22px; height:22px; border-radius:50%; background: var(--stamp); border: 2.5px solid var(--ink); cursor:pointer; }

/* utility page hero (inner pages) */
.page-hero{ padding: 52px 0 36px; position:relative; }
.page-hero h1{ font-size: clamp(32px,4vw,48px); letter-spacing:-0.01em; }
.breadcrumb{ font-family: var(--font-mono); font-size:12.5px; color: var(--ink-faint); margin-bottom: 18px; display:flex; gap:8px; align-items:center; }
.breadcrumb a{ color: var(--ink-faint); }
.breadcrumb a:hover{ color: var(--ink); }

/* timeline (about page) */
.timeline{ position:relative; padding-left: 32px; }
.timeline::before{ content:""; position:absolute; left:5px; top:6px; bottom:6px; width:2px; background: var(--line-soft); }
.timeline-item{ position:relative; padding-bottom: 36px; }
.timeline-item:last-child{ padding-bottom:0; }
.timeline-item::before{
  content:""; position:absolute; left:-32px; top:4px; width:13px; height:13px; border-radius:50%;
  background: var(--stamp); border: 2.5px solid var(--ink);
}
.timeline-item .yr{ font-family: var(--font-mono); font-weight:700; font-size:13px; color: var(--brass-deep); margin-bottom:6px; }
.timeline-item h3{ font-size:19px; margin-bottom:6px; }
.timeline-item p{ color: var(--ink-soft); font-size:14.5px; max-width:56ch; }

/* value cards (about) */
.value-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap:24px; }
.value-card{ padding: 24px; border: 2.25px solid var(--ink); border-radius: var(--radius-m); box-shadow: var(--shadow-sm); }
.value-grid .value-card:nth-child(3n+1){ background: var(--green-pale); }
.value-grid .value-card:nth-child(3n+2){ background: var(--sky-pale); }
.value-grid .value-card:nth-child(3n+3){ background: var(--stamp-pale); }
.value-card h3{ font-size:19px; margin-bottom:10px; }
.value-card p{ font-size:14.5px; color: var(--ink-soft); line-height:1.6; }

/* scroll reveal */
.reveal{ opacity:0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in{ opacity:1; transform: translateY(0); }

/* blog cards */
.blog-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap:26px; }
.blog-card{
  background: var(--white); border:2.25px solid var(--ink); border-radius: var(--radius-m);
  overflow:hidden; box-shadow: var(--shadow-card); transition: transform .2s ease, box-shadow .2s ease;
  display:flex; flex-direction:column;
}
.blog-card:hover{ transform: translate(2px,2px); box-shadow: 2px 2px 0 var(--ink); }
.blog-card .thumb{
  height:170px; display:flex; align-items:center; justify-content:center;
  font-family: var(--font-display); font-size:46px; font-weight:800; color: var(--white);
  border-bottom: 2.25px solid var(--ink);
}
.blog-grid .blog-card:nth-child(3n+1) .thumb{ background: linear-gradient(135deg, var(--green), var(--green-deep)); }
.blog-grid .blog-card:nth-child(3n+2) .thumb{ background: linear-gradient(135deg, var(--sky), var(--sky-deep)); }
.blog-grid .blog-card:nth-child(3n+3) .thumb{ background: linear-gradient(135deg, var(--stamp), var(--stamp-deep)); }
.blog-card .body{ padding:24px; display:flex; flex-direction:column; gap:10px; flex:1; }
.blog-card .cat{ font-family: var(--font-mono); font-weight:700; font-size:11.5px; text-transform:uppercase; letter-spacing:.06em; color: var(--brass-deep); }
.blog-card h3{ font-size:18.5px; line-height:1.3; }
.blog-card .meta{ font-family: var(--font-mono); font-size:12px; color: var(--ink-faint); }
.blog-card p.excerpt{ font-size:14px; color: var(--ink-soft); line-height:1.6; flex:1; }
.blog-card .read-more{ font-weight:700; font-size:13.5px; margin-top:4px; }

/* article body */
.article-body{ max-width: 74ch; }
.article-body h2{ font-size:24px; margin: 40px 0 14px; }
.article-body h3{ font-size:19px; margin: 28px 0 10px; }
.article-body p{ color: var(--ink-soft); font-size:15.5px; line-height:1.8; margin-bottom:16px; }
.article-body ul{ margin: 0 0 16px 0; }
.article-body ul li{ color: var(--ink-soft); font-size:15.5px; line-height:1.8; padding-left:22px; position:relative; margin-bottom:8px; }
.article-body ul li::before{ content:"—"; position:absolute; left:0; color: var(--stamp); font-weight:700; }
.article-meta{ display:flex; gap:16px; align-items:center; font-family: var(--font-mono); font-size:12.5px; color: var(--ink-faint); margin-bottom:36px; }

/* credit score gauge */
.gauge-wrap{ text-align:center; }
.gauge-score{ font-family: var(--font-display); font-weight:800; font-size:64px; color: var(--green-deep); }
.gauge-band{ font-family: var(--font-mono); font-size:13px; letter-spacing:.05em; text-transform:uppercase; color: var(--ink-faint); margin-top:6px; }

/* tool tabs */
.tool-tabs{ display:flex; gap:10px; margin-bottom: 30px; flex-wrap:wrap; }
.tool-tab{
  padding:10px 22px; border-radius:100px; border:2px solid var(--ink); background: var(--white);
  font-size:14px; font-weight:700; color: var(--ink-soft); box-shadow: 2px 2px 0 var(--ink);
  transition: transform .15s ease, box-shadow .15s ease;
}
.tool-tab:hover{ transform: translate(1px,1px); box-shadow: 1px 1px 0 var(--ink); }
.tool-tab.active{ background: var(--stamp); border-color: var(--ink); color: var(--white); }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 900px){
  .hero-grid{ grid-template-columns:1fr; }
  .passbook{ transform:none; max-width: 420px; }
  .steps, .products, .testimonials, .value-grid{ grid-template-columns: 1fr; }
  .testimonials .testi-card{ transform:none !important; }
  .stat-strip{ grid-template-columns: repeat(2,1fr); }
  .stat:nth-child(2){ border-right:none; }
  .footer-grid{ grid-template-columns: 1fr 1fr; row-gap: 32px; }
  .split{ grid-template-columns:1fr; gap:36px; }
  .field-row{ grid-template-columns:1fr; }
  .blog-grid{ grid-template-columns: 1fr; }
}
@media (max-width: 760px){
  .nav-links{
    position:fixed; inset: 65px 0 0 0; background: var(--white);
    flex-direction:column; align-items:flex-start; padding: 28px 32px; gap:22px;
    transform: translateX(100%); transition: transform .25s ease;
    overflow-y:auto; border-top: 2px solid var(--ink);
  }
  .nav-links.open{ transform: translateX(0); }
  .nav-toggle{ display:block; }
  .nav-cta{ margin-top:4px; }
  .cta-band{ flex-direction:column; align-items:flex-start; padding: 40px 28px; }
  .nav-item{ width:100%; }
  .nav-trigger{ width:100%; justify-content:space-between; font-size:16px; padding:6px 0; }
  .nav-dropdown{ display:none; position:static; box-shadow:none; border:none; background:transparent; padding: 4px 0 4px 12px; min-width:0; }
  .nav-item.open .nav-dropdown{ display:block; }
  .nav-dropdown a{ padding:10px 0; }
}
@media (max-width: 560px){
  .wrap{ padding:0 20px; }
  .nav{ padding: 14px 20px; }
  .footer-grid{ grid-template-columns: 1fr; }
  .stat-strip{ grid-template-columns: 1fr 1fr; }
}