/* FinMatters website. The brand's black and white: dark by default, with a light mode visitors can switch to. */
:root {
  --bg: #07070A;
  --bg-2: #0D0D12;
  --panel: #121218;
  --panel-2: #1A1A21;
  --line: rgba(255, 255, 255, 0.10);
  --line-2: rgba(255, 255, 255, 0.20);
  --ink: #F5F5F7;
  --muted: #A6A6B0;
  --dim: #74747E;
  --field: #0E0E13;
  --field-line: rgba(255, 255, 255, 0.17);
  --inv-bg: #F5F5F7;
  --inv-ink: #0B0B0C;
  --inv-muted: #55575F;
  --inv-line: rgba(11, 11, 12, 0.13);
  --inv-field: #E2E3E8;
  --depth: #8B8B93;
  --focus: #8AB4FF;
  --good: #5BD69B;
  --warn-bg: #3A3214;
  --warn-ink: #FFE58A;
  --shadow: 0 30px 80px -40px rgba(0, 0, 0, 0.9);
  --shadow-sm: 0 14px 34px -20px rgba(0, 0, 0, 0.85);
  --glow: rgba(255, 255, 255, 0.07);

  --display: "Sora", "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", sans-serif;
  --sans: "Hanken Grotesk", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --mono: "JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;

  --radius: 18px;
  --wrap: 1220px;
  color-scheme: dark;
}
:root[data-mode="light"] {
  --bg: #F4F5F8;
  --bg-2: #FFFFFF;
  --panel: #FFFFFF;
  --panel-2: #F6F7F9;
  --line: #E0E2E8;
  --line-2: #C6C9D1;
  --ink: #0B0B0C;
  --muted: #565962;
  --dim: #868994;
  --field: #FFFFFF;
  --field-line: #CDD0D7;
  --inv-bg: #0B0B0C;
  --inv-ink: #F5F5F7;
  --inv-muted: #A3A3AB;
  --inv-line: #2A2A2F;
  --inv-field: #1C1C20;
  --depth: #46474E;
  --focus: #2155E8;
  --good: #1B7046;
  --warn-bg: #FFF4C2;
  --warn-ink: #5E4800;
  --shadow: 0 30px 70px -40px rgba(20, 22, 30, 0.38);
  --shadow-sm: 0 14px 30px -20px rgba(20, 22, 30, 0.3);
  --glow: rgba(11, 11, 12, 0.05);
  color-scheme: light;
}

/* Base */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; }
[id] { scroll-margin-top: 96px; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--sans); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--bg); }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
p, ul, ol, h1, h2, h3, h4, figure, blockquote { margin: 0; }
ul, ol { padding: 0; }
button { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 3px; border-radius: 6px; }
::selection { background: var(--ink); color: var(--bg); }
.skip { position: absolute; left: -9999px; top: 0; z-index: 100; background: var(--ink); color: var(--bg); padding: 10px 14px; }
.skip:focus { left: 12px; top: 12px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.num { font-variant-numeric: tabular-nums; }
.on-light { display: none !important; }
:root[data-mode="light"] .on-light { display: block !important; }
:root[data-mode="light"] .on-dark { display: none !important; }

.wrap { max-width: var(--wrap); margin-inline: auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
.narrow { max-width: 780px; }

/* Type */
h1, .h1 { font-family: var(--display); font-weight: 800; font-size: clamp(38px, 5.6vw, 72px); line-height: 0.98; letter-spacing: -0.035em; text-wrap: balance; }
h2, .h2 { font-family: var(--display); font-weight: 700; font-size: clamp(29px, 3.6vw, 46px); line-height: 1.05; letter-spacing: -0.03em; text-wrap: balance; }
h3, .h3 { font-family: var(--display); font-size: 20px; line-height: 1.2; font-weight: 600; letter-spacing: -0.015em; text-wrap: balance; }
.eyebrow { font: 500 12px/1.4 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); display: inline-flex; align-items: center; gap: 10px; }
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--ink); box-shadow: 0 0 0 4px var(--glow); }
.lead { font-size: clamp(17px, 1.5vw, 19px); color: var(--muted); max-width: 60ch; }
.muted { color: var(--muted); }
.small { font-size: 14px; color: var(--muted); }
.prose { display: grid; gap: 16px; max-width: 70ch; }
.prose h2 { margin-top: 20px; font-size: clamp(25px, 2.8vw, 32px); }
.prose h3 { margin-top: 8px; }
.prose ul, .prose ol { padding-left: 22px; display: grid; gap: 6px; }
.prose a { font-weight: 600; }
.prose table { width: 100%; border-collapse: collapse; font-size: 15px; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { font: 500 12px/1.4 var(--mono); letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
td.num { white-space: nowrap; }

/* Buttons press down like keys */
.btn, .btn-ghost, .btn-light {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px; white-space: nowrap;
  font: 600 15px/1 var(--sans); padding: 15px 22px; border-radius: 12px; text-decoration: none; cursor: pointer; border: 1px solid transparent;
  transition: transform 0.09s ease, box-shadow 0.09s ease, border-color 0.2s, background 0.2s;
}
.btn { background: var(--ink); color: var(--bg); box-shadow: 0 4px 0 0 var(--depth), 0 16px 26px -16px rgba(0, 0, 0, 0.7); }
.btn:hover { transform: translateY(-1px); box-shadow: 0 5px 0 0 var(--depth), 0 20px 30px -16px rgba(0, 0, 0, 0.7); }
.btn:active { transform: translateY(3px); box-shadow: 0 1px 0 0 var(--depth), 0 6px 12px -8px rgba(0, 0, 0, 0.6); }
.btn-ghost { background: var(--panel); color: var(--ink); border-color: var(--line-2); box-shadow: 0 3px 0 0 var(--line-2); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-ghost:active { transform: translateY(2px); box-shadow: 0 1px 0 0 var(--line-2); }
.btn-light { background: var(--inv-ink); color: var(--inv-bg); box-shadow: 0 4px 0 0 color-mix(in srgb, var(--inv-ink) 55%, var(--inv-bg)); }
.btn-light:active { transform: translateY(3px); box-shadow: 0 1px 0 0 color-mix(in srgb, var(--inv-ink) 55%, var(--inv-bg)); }
.btn-ghost.on-inv { background: transparent; color: var(--inv-ink); border-color: var(--inv-line); box-shadow: 0 3px 0 0 var(--inv-line); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.press { box-shadow: 0 3px 0 0 var(--line-2); transition: transform 0.09s ease, box-shadow 0.09s ease, border-color 0.2s, background 0.2s; }
.press:active { transform: translateY(2px); box-shadow: 0 1px 0 0 var(--line-2); }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 40; background: color-mix(in srgb, var(--bg) 84%, transparent); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border-bottom: 1px solid var(--line); }
.head-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 72px; }
.brand img { height: 38px; width: auto; }
.nav { display: none; }
.head-cta { display: none; }
.head-tools { display: flex; align-items: center; gap: 10px; }
.mode-btn { width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--line-2); background: var(--panel); display: grid; place-items: center; cursor: pointer; flex: none; }
.mode-btn:hover { border-color: var(--ink); }
.mode-btn .sun { display: none; }
:root[data-mode="light"] .mode-btn .sun { display: block; }
:root[data-mode="light"] .mode-btn .moon { display: none; }
.menu-btn { display: inline-flex; align-items: center; gap: 8px; border: 1px solid var(--line-2); background: var(--panel); color: var(--ink); font: 600 14px/1 var(--sans); padding: 12px 14px; border-radius: 999px; cursor: pointer; }
.menu-btn .bars { width: 18px; height: 12px; border-block: 2px solid currentColor; position: relative; }
.menu-btn .bars::after { content: ""; position: absolute; left: 0; right: 0; top: 3px; border-top: 2px solid currentColor; }
.mobile-menu { border-top: 1px solid var(--line); padding-block: 8px 24px; max-height: calc(100vh - 72px); overflow-y: auto; background: var(--bg); }
.mobile-menu details { border-bottom: 1px solid var(--line); }
.mobile-menu summary, .mobile-menu > .wrap > a.m-link { display: flex; justify-content: space-between; align-items: center; padding: 15px 0; font-weight: 600; cursor: pointer; list-style: none; text-decoration: none; }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu summary::after { content: "+"; font-weight: 400; color: var(--muted); }
.mobile-menu details[open] summary::after { content: "–"; }
.mobile-menu details ul { list-style: none; display: grid; gap: 2px; padding-bottom: 12px; }
.mobile-menu details a { display: block; padding: 8px 0; text-decoration: none; color: var(--muted); }
.mobile-menu > .wrap > a.m-link { border-bottom: 1px solid var(--line); }
.mobile-menu .btn-row { margin-top: 18px; }
@media (min-width: 1080px) {
  .menu-btn, .mobile-menu { display: none !important; }
  .nav { display: flex; align-items: center; gap: 2px; }
  .nav > a, .nav summary { font-size: 15px; font-weight: 500; color: var(--muted); text-decoration: none; padding: 10px 11px; border-radius: 999px; cursor: pointer; list-style: none; display: flex; align-items: center; gap: 6px; }
  .nav summary::-webkit-details-marker { display: none; }
  .nav summary::after { content: ""; width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg) translateY(-2px); }
  .nav > a:hover, .nav summary:hover, .nav details[open] summary { color: var(--ink); background: var(--panel); }
  .nav details { position: relative; }
  .nav .drop { position: absolute; top: calc(100% + 10px); left: 0; min-width: 290px; background: var(--panel); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow); padding: 8px; list-style: none; display: grid; z-index: 50; }
  .nav .drop a { display: block; padding: 10px 12px; border-radius: 10px; text-decoration: none; font-size: 15px; font-weight: 600; }
  .nav .drop a:hover { background: var(--panel-2); }
  .nav .drop span { display: block; font-size: 13px; font-weight: 400; color: var(--muted); }
  .head-cta { display: flex; align-items: center; gap: 16px; }
  .head-cta .phone { font: 500 14px var(--mono); text-decoration: none; }
  .head-cta .btn { padding: 12px 16px; }
  .brand img { height: 42px; }
}

/* Breadcrumb */
.crumbs { font: 400 12.5px/1.4 var(--mono); color: var(--dim); padding-top: 22px; position: relative; z-index: 1; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs li + li::before { content: "/"; margin-right: 6px; }
.crumbs a { text-decoration: none; color: var(--muted); }
.crumbs a:hover { color: var(--ink); }

/* Sections */
.section { padding-block: clamp(56px, 7vw, 96px); }
.section.alt { background: var(--bg-2); border-block: 1px solid var(--line); }
.section.dark { background: var(--inv-bg); color: var(--inv-ink); }
.section.dark .muted, .section.dark .lead, .section.dark .small, .section.dark .eyebrow { color: var(--inv-muted); }
.section.tight { padding-block: clamp(40px, 5vw, 60px); }
.sec-head { display: grid; gap: 14px; margin-bottom: clamp(26px, 4vw, 44px); max-width: 780px; }
.sec-head.row { max-width: none; display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 14px 24px; }
.sec-head.row > div { display: grid; gap: 14px; max-width: 740px; }

/* Inner page hero, on a faint blueprint grid */
.page-hero { position: relative; padding-block: clamp(26px, 3vw, 40px) clamp(44px, 6vw, 72px); border-bottom: 1px solid var(--line); overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: -80px 0 0; pointer-events: none;
  background-image: linear-gradient(to right, var(--line) 1px, transparent 1px), linear-gradient(to bottom, var(--line) 1px, transparent 1px);
  background-size: 56px 56px; -webkit-mask-image: radial-gradient(ellipse 70% 90% at 88% 0%, #000 0%, transparent 70%); mask-image: radial-gradient(ellipse 70% 90% at 88% 0%, #000 0%, transparent 70%); }
.page-hero .wrap { position: relative; }
.page-hero h1 { margin-top: 14px; max-width: 17ch; }
.page-hero .lead { margin-top: 18px; }
.page-hero .btn-row { margin-top: 26px; }
.page-hero .proof { margin-top: 26px; }

/* Proof row */
.proof { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 24px; padding-top: 18px; border-top: 1px solid var(--line); font-size: 14px; color: var(--muted); }
.proof b { color: var(--ink); font-family: var(--mono); font-weight: 500; margin-right: 7px; }
.proof a { text-decoration: none; }
.proof a:hover { color: var(--ink); }

/* Cards and grids */
.grid-2, .grid-3, .grid-4 { display: grid; gap: 16px; }
@media (min-width: 760px) { .grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: grid; gap: 10px; align-content: start; background: var(--panel); min-width: 0; }
.card.link { text-decoration: none; transition: border-color 0.2s, transform 0.2s; }
.card.link:hover { border-color: var(--line-2); transform: translateY(-2px); }
.card .more { font-weight: 600; font-size: 14px; margin-top: 4px; }

/* Steps */
.steps { list-style: none; counter-reset: st; display: grid; gap: 16px; }
.steps li { counter-increment: st; border: 1px solid var(--line); background: var(--panel); border-radius: var(--radius); padding: 20px; display: grid; gap: 6px; align-content: start; color: var(--muted); font-size: 15.5px; }
.steps li::before { content: "0" counter(st); font: 500 12px/1 var(--mono); color: var(--dim); margin-bottom: 6px; }
.steps b { color: var(--ink); font-family: var(--display); font-weight: 600; font-size: 18px; letter-spacing: -0.01em; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
@media (min-width: 700px) { .steps.two { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* Chips */
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips a, .chips span, .chips button { border: 1px solid var(--line-2); border-radius: 999px; padding: 8px 15px; font-size: 14px; font-weight: 600; text-decoration: none; background: var(--panel); cursor: pointer; }
.chips a:hover, .chips button:hover { border-color: var(--ink); }
.chips button[aria-pressed="true"] { background: var(--ink); color: var(--bg); border-color: var(--ink); }
.chips .dim { color: var(--muted); font-weight: 500; border-style: dashed; cursor: default; }

/* FAQ */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { display: flex; justify-content: space-between; gap: 16px; padding: 20px 0; font-family: var(--display); font-weight: 600; font-size: 17.5px; letter-spacing: -0.01em; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--muted); font-weight: 400; font-size: 24px; line-height: 1; flex: none; transition: transform 0.2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 0 22px; color: var(--muted); max-width: 72ch; display: grid; gap: 10px; }

/* Content with a sticky aside */
.content-grid { display: grid; gap: 40px; }
@media (min-width: 1000px) { .content-grid { grid-template-columns: minmax(0, 1fr) 340px; gap: 64px; align-items: start; } .aside { position: sticky; top: 100px; } }
.aside-card { border: 1px solid var(--line); border-radius: 22px; padding: 24px; display: grid; gap: 14px; background: var(--panel); box-shadow: var(--shadow-sm); }
.aside-card .who { display: flex; align-items: center; gap: 12px; }
.aside-card .who img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; }
.aside-card .who b { display: block; font-family: var(--display); font-weight: 600; }
.aside-card .btn, .aside-card .btn-ghost { width: 100%; }
.aside-card .phone-line { font-size: 14px; color: var(--muted); text-align: center; }

.block { display: grid; gap: 16px; }
.block + .block { margin-top: 48px; }
.ticks { list-style: none; display: grid; gap: 10px; }
.ticks li { padding-left: 28px; position: relative; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: 0.45em; width: 12px; height: 7px; border-left: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(-45deg); }
.crosses li::before { width: 12px; height: 12px; border: 0; transform: none; top: 0.4em;
  background: linear-gradient(45deg, transparent 44%, var(--muted) 44%, var(--muted) 56%, transparent 56%), linear-gradient(-45deg, transparent 44%, var(--muted) 44%, var(--muted) 56%, transparent 56%); }
.points { display: grid; gap: 14px; }
@media (min-width: 760px) { .points { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.point { border: 1px solid var(--line); background: var(--panel); border-radius: 16px; padding: 18px; display: grid; gap: 6px; align-content: start; }
.point h3 { font-size: 17.5px; }
.point p { color: var(--muted); font-size: 15.5px; }
.docs { columns: 2 220px; column-gap: 24px; list-style: none; }
.docs li { break-inside: avoid; padding: 7px 0 7px 22px; position: relative; border-bottom: 1px dashed var(--line); font-size: 15px; }
.docs li::before { content: ""; position: absolute; left: 0; top: 0.95em; width: 9px; height: 9px; border: 1.5px solid currentColor; border-radius: 2px; }
.callout { border-radius: var(--radius); padding: 22px; background: var(--panel-2); border: 1px solid var(--line); display: grid; gap: 10px; }
.callout.dark { background: var(--inv-bg); color: var(--inv-ink); }
.callout.dark .muted { color: var(--inv-muted); }
.note { font-size: 13px; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px; }

/* Forms */
.field { display: grid; gap: 6px; min-width: 0; }
.field label, .field .label { font-size: 14px; font-weight: 600; }
.field .hint { font-size: 13px; color: var(--muted); }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  width: 100%; font: 400 16px/1.4 var(--sans); color: var(--ink); background: var(--field); border: 1px solid var(--field-line); border-radius: 12px; padding: 13px 14px;
}
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--focus); outline-offset: 0; border-color: var(--focus); }
.form { display: grid; gap: 14px; }
.form .two { display: grid; gap: 14px; }
@media (min-width: 640px) { .form .two { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.consent { font-size: 13px; color: var(--muted); }
.form-msg { font-size: 14px; padding: 10px 12px; border-radius: 10px; background: var(--panel-2); border: 1px solid var(--line); }
.hp { position: absolute; left: -9999px; }
.newsletter form { display: flex; gap: 10px; flex-wrap: wrap; }
.newsletter input[type="email"] { flex: 1 1 240px; }
.inv-box .newsletter input[type="email"] { background: var(--inv-field); border-color: var(--inv-line); color: var(--inv-ink); }

/* Team */
.people { display: grid; gap: 12px; }
@media (min-width: 640px) { .people { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .people.five { grid-template-columns: repeat(5, minmax(0, 1fr)); } }
.person { border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; display: grid; gap: 8px; align-content: start; background: var(--panel); }
.person img { width: 88px; height: 88px; border-radius: 50%; object-fit: cover; background: var(--panel-2); }
.person b { font-size: 17px; }
.role { font: 500 11.5px/1.4 var(--mono); letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
.person p { font-size: 14px; color: var(--muted); }
.bio { display: grid; gap: 20px; align-items: start; border-top: 1px solid var(--line); padding-top: 32px; }
.bio + .bio { margin-top: 32px; }
.bio img { width: 160px; height: 160px; border-radius: 50%; object-fit: cover; background: var(--panel-2); border: 1px solid var(--line); }
@media (min-width: 760px) { .bio { grid-template-columns: 180px minmax(0, 1fr); gap: 36px; } }

/* Videos */
.videos { display: grid; gap: 18px; }
@media (min-width: 640px) { .videos { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .videos { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.video { text-decoration: none; display: grid; gap: 12px; align-content: start; }
.thumb { position: relative; aspect-ratio: 16 / 9; border-radius: 16px; overflow: hidden; background: var(--panel-2); border: 1px solid var(--line); }
.thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease, filter 0.4s ease; }
@media (hover: hover) { .thumb img { filter: grayscale(1) contrast(1.05); } .video:hover .thumb img { filter: none; transform: scale(1.04); } }
.thumb::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(0, 0, 0, 0.55)); pointer-events: none; }
.thumb .play { position: absolute; left: 50%; top: 50%; width: 58px; height: 58px; margin: -29px 0 0 -29px; border-radius: 50%; background: rgba(255, 255, 255, 0.92); box-shadow: 0 10px 30px -10px rgba(0, 0, 0, 0.6); z-index: 1; transition: transform 0.2s; }
.thumb .play::after { content: ""; position: absolute; left: 23px; top: 18px; border-left: 16px solid #0B0B0C; border-block: 11px solid transparent; }
.video:hover .play { transform: scale(1.08); }
.thumb .dur, .thumb .topic { position: absolute; bottom: 10px; z-index: 1; font: 500 11px/1 var(--mono); padding: 5px 7px; border-radius: 6px; }
.thumb .dur { right: 10px; background: rgba(11, 11, 12, 0.85); color: #F5F5F7; }
.thumb .topic { left: 10px; background: rgba(245, 245, 247, 0.92); color: #0B0B0C; text-transform: uppercase; letter-spacing: 0.06em; }
.video p { font-family: var(--display); font-weight: 600; font-size: 16.5px; line-height: 1.3; letter-spacing: -0.01em; }
.video:hover p { text-decoration: underline; }
.video.feature { gap: 16px; }
.video.feature p { font-size: clamp(20px, 2.2vw, 26px); }
.video.feature .play { width: 76px; height: 76px; margin: -38px 0 0 -38px; }
.video.feature .play::after { left: 30px; top: 24px; border-left-width: 21px; border-block-width: 14px; }

/* Finance news feed */
.nf-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 20px; margin-bottom: 18px; }
.nf-live { display: inline-flex; align-items: center; gap: 10px; font: 500 12px/1.4 var(--mono); color: var(--muted); letter-spacing: 0.04em; }
.nf-live i { width: 9px; height: 9px; border-radius: 50%; background: var(--good); box-shadow: 0 0 0 0 color-mix(in srgb, var(--good) 60%, transparent); animation: pulse 2s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 color-mix(in srgb, var(--good) 55%, transparent); } 70% { box-shadow: 0 0 0 9px transparent; } 100% { box-shadow: 0 0 0 0 transparent; } }
.newsfeed { list-style: none; display: grid; border-top: 1px solid var(--line); }
@media (min-width: 900px) { .newsfeed.two { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 40px; } }
.nf-item a { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 6px 14px; align-items: start; padding: 18px 4px; border-bottom: 1px solid var(--line); text-decoration: none; transition: background 0.2s; }
.nf-item a:hover { background: var(--panel); }
.nf-item a:hover .nf-title { text-decoration: underline; }
.nf-src { grid-row: span 2; font: 500 10.5px/1 var(--mono); letter-spacing: 0.06em; text-transform: uppercase; border: 1px solid var(--line-2); border-radius: 6px; padding: 6px 7px; margin-top: 3px; white-space: nowrap; min-width: 44px; text-align: center; }
.nf-title { font-family: var(--display); font-weight: 600; font-size: 16.5px; line-height: 1.32; letter-spacing: -0.01em; }
.nf-meta { grid-column: 2; font: 400 12px/1.4 var(--mono); color: var(--dim); }
.nf-go { grid-row: span 2; color: var(--dim); font-size: 18px; line-height: 1; padding-top: 4px; }
.nf-note { margin-top: 16px; font-size: 13px; color: var(--muted); max-width: 80ch; }

/* Calculators */
.calc { display: grid; gap: 24px; align-items: start; }
@media (min-width: 960px) { .calc { grid-template-columns: minmax(0, 1fr) minmax(0, 430px); gap: 40px; } .calc-results { position: sticky; top: 100px; } }
.calc-form { display: grid; gap: 18px; border: 1px solid var(--line); border-radius: 22px; padding: clamp(18px, 3vw, 30px); background: var(--panel); }
.calc-form .row2 { display: grid; gap: 16px; }
@media (min-width: 560px) { .calc-form .row2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.calc-form fieldset { border: 0; padding: 0; margin: 0; display: grid; gap: 14px; }
.calc-form legend { font: 500 12px/1.4 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); padding: 0; margin-bottom: 4px; }
.affix { display: flex; align-items: stretch; border: 1px solid var(--field-line); border-radius: 12px; overflow: hidden; background: var(--field); }
.affix:focus-within { outline: 2px solid var(--focus); border-color: var(--focus); }
.affix span { display: grid; place-items: center; padding: 0 13px; background: var(--panel-2); color: var(--muted); font-size: 15px; }
.affix input { border: 0; border-radius: 0; outline: none !important; min-width: 0; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: 15px; cursor: pointer; }
.check input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--ink); flex: none; }
.seg { display: flex; flex-wrap: wrap; gap: 6px; }
.seg label { position: relative; }
.seg input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.seg span { display: inline-block; border: 1px solid var(--field-line); border-radius: 999px; padding: 9px 15px; font-size: 14px; font-weight: 600; cursor: pointer; background: var(--field); }
.seg input:checked + span { background: var(--ink); color: var(--bg); border-color: var(--ink); }
.seg input:focus-visible + span { outline: 2px solid var(--focus); outline-offset: 2px; }
.calc-results { border-radius: 22px; background: var(--inv-bg); color: var(--inv-ink); padding: clamp(22px, 3vw, 30px); display: grid; gap: 16px; box-shadow: var(--shadow); }
.calc-results .r-label { font: 500 12px/1.4 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--inv-muted); }
.calc-results .r-main { font-family: var(--display); font-weight: 700; letter-spacing: -0.04em; font-size: clamp(40px, 5vw, 56px); line-height: 1; font-variant-numeric: tabular-nums; }
.calc-results .r-sub { color: var(--inv-muted); font-size: 15px; }
.calc-results dl { margin: 0; display: grid; border-top: 1px solid var(--inv-line); }
.calc-results dl div { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid var(--inv-line); font-size: 15px; }
.calc-results dt { color: var(--inv-muted); }
.calc-results dd { margin: 0; font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; }
.calc-results .r-note { font-size: 13px; color: var(--inv-muted); }
.calc-results .btn-light { width: 100%; }
.bars-cmp { display: grid; gap: 8px; }
.bars-cmp .bar { display: grid; gap: 4px; font-size: 13px; color: var(--inv-muted); }
.bars-cmp .track { height: 10px; border-radius: 5px; background: var(--inv-field); overflow: hidden; }
.bars-cmp .fill { height: 100%; background: var(--inv-ink); border-radius: 5px; }
.bars-cmp .fill.alt { background: #8A8A93; }
.calc-list { display: grid; gap: 12px; }
@media (min-width: 640px) { .calc-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .calc-list { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.calc-card { border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px; text-decoration: none; display: grid; gap: 6px; align-content: start; background: var(--panel); transition: border-color 0.2s, transform 0.2s; }
.calc-card:hover { border-color: var(--line-2); transform: translateY(-2px); }
.calc-card b { font-family: var(--display); font-weight: 600; font-size: 17px; letter-spacing: -0.01em; }
.calc-card span { font-size: 14px; color: var(--muted); }
.calc-card .tag { font: 500 11px/1.4 var(--mono); letter-spacing: 0.06em; text-transform: uppercase; color: var(--good); }

/* Inverted call-to-action box */
.inv-box { border-radius: 30px; background: var(--inv-bg); color: var(--inv-ink); padding: clamp(28px, 5vw, 60px); display: grid; gap: 24px; align-items: center; box-shadow: var(--shadow); }
.inv-box .lead, .inv-box .small, .inv-box .eyebrow { color: var(--inv-muted); }
.inv-box > div { display: grid; gap: 14px; }
.inv-box .num { font: 500 15px var(--mono); }
.inv-box .num a { text-decoration: none; }
@media (min-width: 900px) { .inv-box.split { grid-template-columns: minmax(0, 1fr) auto; } }

/* Footer */
.site-footer { background: var(--bg-2); border-top: 1px solid var(--line); color: var(--muted); font-size: 14px; padding-block: 60px 32px; }
.foot-grid { display: grid; gap: 32px; }
@media (min-width: 760px) { .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1080px) { .foot-grid { grid-template-columns: 1.4fr repeat(4, minmax(0, 1fr)); } }
.site-footer h3 { font: 500 12px/1.4 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink); margin-bottom: 12px; }
.site-footer ul { list-style: none; display: grid; gap: 8px; }
.site-footer a { text-decoration: none; color: var(--muted); }
.site-footer a:hover { color: var(--ink); text-decoration: underline; }
.foot-brand { display: grid; gap: 14px; align-content: start; }
.foot-brand img { height: 40px; width: auto; }
.foot-brand b { color: var(--ink); }
.socials { display: flex; flex-wrap: wrap; gap: 8px; }
.socials a { border: 1px solid var(--line-2); border-radius: 999px; padding: 6px 12px; font-size: 13px; }
.legal { margin-top: 44px; padding-top: 24px; border-top: 1px solid var(--line); display: grid; gap: 10px; font-size: 13px; line-height: 1.6; }
.legal .links { display: flex; flex-wrap: wrap; gap: 6px 18px; }
.legal .links a { text-decoration: underline; }

/* Mobile sticky action bar */
.action-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px;
  padding: 10px max(12px, env(safe-area-inset-right, 0px)) calc(12px + env(safe-area-inset-bottom, 0px)) max(12px, env(safe-area-inset-left, 0px));
  background: color-mix(in srgb, var(--bg) 88%, transparent); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); border-top: 1px solid var(--line); }
.action-bar a { padding: 14px 10px; }
body { padding-bottom: 80px; }
@media (min-width: 1080px) { .action-bar { display: none; } body { padding-bottom: 0; } }

.todo-note { font: 400 12px/1.5 var(--mono); color: var(--warn-ink); background: var(--warn-bg); padding: 6px 10px; border-radius: 8px; display: inline-block; }
.todo { background: var(--warn-bg); color: var(--warn-ink); padding: 0 4px; border-radius: 3px; }

/* ===================================================================== Home */
/* Hero with the 3D neighbourhood */
.h3d .wrap { display: grid; gap: 28px; padding-block: 40px 44px; align-items: center; }
@media (min-width: 1000px) { .h3d .wrap { grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: 32px; padding-block: 52px 64px; } }
.h3d-copy { display: grid; gap: 22px; align-content: center; min-width: 0; }
.h3d h1 { font-size: clamp(46px, 6.2vw, 88px); line-height: 0.95; }
.h3d h1 em { font-style: normal; color: transparent; background: linear-gradient(100deg, var(--ink) 10%, color-mix(in srgb, var(--ink) 36%, var(--bg)) 95%); -webkit-background-clip: text; background-clip: text; }
.award-pill { justify-self: start; display: inline-flex; align-items: center; gap: 10px; padding: 7px 14px 7px 8px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--panel); font-size: 13.5px; text-decoration: none; }
.award-pill:hover { border-color: var(--ink); }
.award-pill .medal { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--ink); color: var(--bg); flex: none; }
.award-pill b { font-weight: 700; }
.stage-col { position: relative; min-width: 0; }
.stage { position: relative; height: clamp(440px, 50vw, 640px); border-radius: 30px; overflow: hidden; border: 1px solid var(--line);
  background: radial-gradient(circle at 50% 62%, var(--glow), transparent 64%), var(--bg-2); }
.stage canvas { position: absolute; inset: 0; width: 100%; height: 100%; display: block; touch-action: pan-y; cursor: grab; }
.stage canvas.dragging { cursor: grabbing; }
.stage canvas.pointing { cursor: pointer; }
.hint { position: absolute; left: 18px; top: 16px; font: 500 11px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); display: flex; gap: 8px; align-items: center; pointer-events: none; transition: opacity 0.3s; }
.stage.focused .hint { opacity: 0; }
.tag3d { position: absolute; left: 0; top: 0; transform: translate(-50%, -100%); pointer-events: none; white-space: nowrap; font: 600 13px/1 var(--sans); padding: 8px 12px; border-radius: 999px; background: var(--panel); border: 1px solid var(--line-2); color: var(--ink); box-shadow: 0 8px 24px -12px rgba(0, 0, 0, 0.6); transition: opacity 0.25s, background 0.2s, color 0.2s; }
.tag3d.hot { background: var(--ink); color: var(--bg); border-color: var(--ink); }
.tag3d.dim { opacity: 0; }
.picker { position: absolute; left: 14px; right: 14px; bottom: 16px; display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; z-index: 3; }
.picker button { border: 1px solid var(--line-2); background: color-mix(in srgb, var(--panel) 90%, transparent); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); border-radius: 999px; padding: 9px 14px; font-weight: 600; font-size: 13px; cursor: pointer; }
.picker button:hover { border-color: var(--ink); }
.picker button[aria-pressed="true"] { background: var(--ink); color: var(--bg); border-color: var(--ink); }
@media (max-width: 560px) {
  .picker { left: 0; right: 0; flex-wrap: nowrap; overflow-x: auto; justify-content: flex-start; padding: 0 14px 4px; scrollbar-width: none; }
  .picker::-webkit-scrollbar { display: none; }
  .picker button { flex: none; }
  .tag3d { font-size: 12px; padding: 6px 10px; }
}
.card3d { position: relative; margin-top: 14px; background: var(--panel); border: 1px solid var(--line-2); border-radius: 24px; padding: 22px; display: grid; gap: 12px; box-shadow: var(--shadow);
  transform-origin: 100% 0; animation: pop 0.5s cubic-bezier(0.2, 0.9, 0.2, 1); }
.stage-col.wide .card3d { position: absolute; z-index: 4; margin: 0; right: 16px; top: 16px; width: min(330px, calc(100% - 32px)); max-height: calc(100% - 96px); overflow: auto; }
@keyframes pop { from { opacity: 0; transform: perspective(900px) rotateY(-28deg) translateY(10px) scale(0.95); } to { opacity: 1; transform: none; } }
.card3d h3 { font-size: 23px; line-height: 1.12; padding-right: 40px; }
.card3d p { font-size: 15px; color: var(--muted); }
.card3d ul { font-size: 14px; gap: 8px; }
.card3d .close { position: absolute; right: 12px; top: 12px; width: 36px; height: 36px; border-radius: 50%; border: 1px solid var(--line-2); background: var(--panel); cursor: pointer; display: grid; place-items: center; }
.card3d .btn, .card3d .btn-ghost { padding: 13px 16px; }
.fallback { position: absolute; inset: 0; display: grid; place-items: center; text-align: center; padding: 24px 24px 110px; color: var(--muted); font-size: 15px; }

/* Lender ticker */
.lenders { padding-block: 56px 60px; border-block: 1px solid var(--line); background: var(--bg-2); }
.lenders .sec-head { margin-bottom: 30px; }
.marquee { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.marquee + .marquee { margin-top: 20px; }
.lt-track { display: flex; width: max-content; background: var(--bg-2); animation: slide 150s linear infinite; }
.marquee.rev .lt-track { animation-direction: reverse; animation-duration: 170s; }
.marquee:hover .lt-track { animation-play-state: paused; }
.lt-track img { height: 50px; width: auto; max-width: none; display: block; flex: none; filter: grayscale(1) invert(1) brightness(1.15); mix-blend-mode: screen; opacity: 0.8; }
:root[data-mode="light"] .lt-track img { filter: grayscale(1); mix-blend-mode: multiply; opacity: 0.72; transition: filter 0.3s, opacity 0.3s; }
:root[data-mode="light"] .marquee:hover .lt-track img { filter: none; opacity: 1; }
@keyframes slide { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* Recognition: a medal that flips over, beside the nominations */
.awards-grid { display: grid; gap: 28px; align-items: center; }
@media (min-width: 900px) { .awards-grid { grid-template-columns: 300px minmax(0, 1fr); gap: 56px; } }
.medal-btn { justify-self: center; width: 260px; height: 260px; padding: 0; border: 0; background: none; cursor: pointer; perspective: 1000px; border-radius: 50%; }
.medal-in { position: relative; display: block; width: 100%; height: 100%; transform-style: preserve-3d; transition: transform 0.9s cubic-bezier(0.2, 0.8, 0.2, 1); border-radius: 50%; }
.medal-btn[aria-pressed="true"] .medal-in { transform: rotateY(180deg); }
.medal-face { position: absolute; inset: 0; border-radius: 50%; display: grid; place-items: center; align-content: center; gap: 6px; text-align: center; padding: 34px; backface-visibility: hidden; -webkit-backface-visibility: hidden;
  background: radial-gradient(circle at 32% 28%, color-mix(in srgb, var(--inv-bg) 82%, #fff), var(--inv-bg) 46%, color-mix(in srgb, var(--inv-bg) 72%, #6b6b72) 100%);
  color: var(--inv-ink); box-shadow: inset 0 0 0 7px color-mix(in srgb, var(--inv-ink) 14%, transparent), inset 0 0 0 9px color-mix(in srgb, var(--inv-bg) 70%, #999), 0 26px 60px -24px rgba(0, 0, 0, 0.7); overflow: hidden; }
.medal-face::after { content: ""; position: absolute; inset: -40%; background: linear-gradient(115deg, transparent 42%, rgba(255, 255, 255, 0.55) 50%, transparent 58%); transform: translateX(-60%); animation: sheen 5s ease-in-out infinite; pointer-events: none; }
@keyframes sheen { 0%, 60% { transform: translateX(-60%); } 85%, 100% { transform: translateX(60%); } }
.medal-face.back { transform: rotateY(180deg); }
.medal-face .m-k { font: 500 11px/1.3 var(--mono); letter-spacing: 0.14em; text-transform: uppercase; color: var(--inv-muted); }
.medal-face .m-big { font: 800 34px/1 var(--display); letter-spacing: -0.03em; }
.medal-face .m-t { font: 700 17px/1.2 var(--display); letter-spacing: -0.01em; }
.medal-face svg { margin-bottom: 4px; }
.medal-hint { text-align: center; font: 500 11px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--dim); margin-top: 14px; }
.noms { display: grid; gap: 14px; }
.nom-group { border: 1px solid var(--line); background: var(--panel); border-radius: var(--radius); padding: 20px 22px; display: grid; gap: 12px; }
.nom-group h3 { font-size: 18px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 12px; align-items: baseline; }
.nom-group h3 span { font: 500 11.5px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.nom-list { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.nom-list li { border: 1px solid var(--line-2); border-radius: 999px; padding: 7px 13px; font-size: 14px; font-weight: 600; }
.nom-list li.fin { background: var(--ink); color: var(--bg); border-color: var(--ink); }
.nom-list li em { font-style: normal; font: 500 10.5px/1 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; margin-left: 8px; opacity: 0.75; }

/* Reviews: a stack of cards you can swipe */
.rev-grid { display: grid; gap: 40px; align-items: center; }
@media (min-width: 1000px) { .rev-grid { grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: 64px; } }
.rev-copy { display: grid; gap: 20px; min-width: 0; }
.score { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.score .big { font: 700 clamp(66px, 8vw, 108px)/0.9 var(--display); letter-spacing: -0.05em; }
.stars { letter-spacing: 3px; }
.score .stars { font-size: 24px; }
.deck-area { display: grid; gap: 18px; min-width: 0; overflow-x: clip; padding-bottom: 4px; }
.deck { --dx: 28px; --dy: -22px; display: grid; padding: 46px 60px 0 0; perspective: 1400px; outline: none; touch-action: pan-y; user-select: none; -webkit-user-select: none; }
@media (max-width: 600px) { .deck { --dx: 14px; --dy: -15px; padding: 32px 30px 0 0; } }
.rcard { position: relative; grid-area: 1 / 1; background: var(--panel); border: 1px solid var(--line-2); border-radius: 26px; padding: clamp(22px, 3vw, 34px); display: flex; flex-direction: column; gap: 16px; box-shadow: var(--shadow);
  transition: transform 0.65s cubic-bezier(0.2, 0.8, 0.2, 1), opacity 0.5s; transform-origin: 50% 100%; cursor: grab; }
.rcard.dragging { transition: none; cursor: grabbing; }
.rcard > * { transition: opacity 0.4s; }
.rcard::after { content: ""; position: absolute; inset: 0; border-radius: inherit; background: var(--bg); opacity: 0; transition: opacity 0.6s; pointer-events: none; }
.rcard[data-pos="0"] { transform: translate3d(0, 0, 0); z-index: 5; }
.rcard[data-pos="1"] { transform: translate3d(var(--dx), var(--dy), -70px) rotateY(-6deg); z-index: 4; }
.rcard[data-pos="2"] { transform: translate3d(calc(var(--dx) * 2), calc(var(--dy) * 2), -140px) rotateY(-12deg); z-index: 3; }
.rcard[data-pos="3"] { transform: translate3d(calc(var(--dx) * 2), calc(var(--dy) * 2), -140px) rotateY(-12deg); z-index: 2; opacity: 0; }
.rcard[data-pos="1"]::after { opacity: 0.35; }
.rcard[data-pos="2"]::after, .rcard[data-pos="3"]::after { opacity: 0.6; }
.rcard:not([data-pos="0"]) > * { opacity: 0; }
.rcard.out-right { transform: translate3d(75%, 30px, 40px) rotateZ(14deg); opacity: 0; }
.rcard.out-left { transform: translate3d(-75%, 30px, 40px) rotateZ(-14deg); opacity: 0; }
.rcard .who { display: flex; align-items: center; gap: 14px; }
.rcard .avatar { width: 50px; height: 50px; border-radius: 50%; background: var(--ink); color: var(--bg); display: grid; place-items: center; font: 700 16px var(--display); letter-spacing: 0.02em; flex: none; }
.rcard .name { font-weight: 700; font-family: var(--display); }
.rcard .meta { font: 400 12px var(--mono); color: var(--muted); }
.rcard .stars { font-size: 18px; }
.rcard blockquote { font-family: var(--display); font-size: clamp(18px, 1.8vw, 22px); line-height: 1.4; letter-spacing: -0.015em; flex: 1; }
.rcard .read { font-size: 14px; font-weight: 600; align-self: flex-start; }
.deck-nav { display: flex; align-items: center; gap: 10px; }
.deck-nav button { width: 48px; height: 48px; border-radius: 50%; border: 1px solid var(--line-2); background: var(--panel); cursor: pointer; display: grid; place-items: center; }
.deck-nav button:hover { border-color: var(--ink); }
.deck-nav .count { font: 500 12px var(--mono); color: var(--muted); margin-left: 6px; letter-spacing: 0.06em; }
.swipe-hint { font: 500 11px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--dim); margin-left: auto; display: inline-flex; gap: 6px; align-items: center; }
.rev-wall { display: grid; gap: 16px; }
@media (min-width: 900px) { .rev-wall { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.rev-wall .rcard { cursor: default; box-shadow: none; transform: none; }
.rev-wall .rcard::after { display: none; }

/* Featured testimonial */
.qcard { position: relative; border-radius: 32px; padding: clamp(32px, 6vw, 72px); background: var(--inv-bg); color: var(--inv-ink); transition: transform 0.2s ease-out; overflow: hidden; box-shadow: var(--shadow); }
.qcard .mark { font: 800 170px/0.7 var(--display); opacity: 0.12; position: absolute; right: 36px; top: 56px; pointer-events: none; }
.qcard blockquote { font: 700 clamp(28px, 3.8vw, 52px)/1.08 var(--display); letter-spacing: -0.035em; max-width: 24ch; }
.qcard .by b { color: var(--inv-ink); }
@media (max-width: 600px) { .qcard .mark { display: none; } }
.qcard .by { margin-top: 26px; font-size: 16px; display: flex; flex-wrap: wrap; gap: 6px 14px; align-items: center; color: var(--inv-muted); }
.qcard .by b { color: var(--inv-ink); }

/* Flip cards */
.flips { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.flip { perspective: 1200px; cursor: pointer; }
.flip-inner { display: grid; height: 100%; transform-style: preserve-3d; transition: transform 0.8s cubic-bezier(0.2, 0.8, 0.2, 1); }
.flip.flipped .flip-inner { transform: rotateY(180deg); }
.face { grid-area: 1 / 1; min-height: 330px; backface-visibility: hidden; -webkit-backface-visibility: hidden; border-radius: 24px; border: 1px solid var(--line); background: var(--panel); padding: 24px; display: flex; flex-direction: column; gap: 12px; }
.face.back { transform: rotateY(180deg); background: var(--inv-bg); color: var(--inv-ink); border-color: transparent; }
.face .icon { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; background: var(--panel-2); border: 1px solid var(--line-2); }
.face h3 { font-size: 22px; }
.face p { font-size: 15px; color: var(--muted); }
.face ul { display: grid; gap: 9px; font-size: 14.5px; }
.face .foot { margin-top: auto; display: flex; flex-wrap: wrap; gap: 10px; align-items: center; justify-content: space-between; }
.face .turn { border: 1px solid var(--line-2); background: var(--panel); border-radius: 999px; padding: 10px 16px; font-weight: 600; font-size: 14px; cursor: pointer; display: inline-flex; gap: 8px; align-items: center; }
.face .turn:hover { border-color: var(--ink); }
.face.back .turn { background: transparent; color: var(--inv-ink); border-color: var(--inv-line); box-shadow: 0 3px 0 0 var(--inv-line); }
.face .go { font-weight: 600; font-size: 14px; }

/* Calculator tiles */
.ctiles { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.ctile { border-radius: 24px; border: 1px solid var(--line); background: var(--panel); padding: 26px; text-decoration: none; display: grid; gap: 10px; transition: transform 0.2s ease-out, border-color 0.2s; }
.ctile:hover { border-color: var(--line-2); }
.ctile .big { font: 700 52px/1 var(--display); letter-spacing: -0.045em; font-variant-numeric: tabular-nums; }
.ctile .lbl { font: 500 12px var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.ctile p { color: var(--muted); font-size: 15px; }
.ctile .go { font-weight: 600; font-size: 14px; }

/* Two-up education strip on the home page */
.edu-split { display: grid; gap: 48px; }
@media (min-width: 1000px) { .edu-split { grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); gap: 56px; } }
.edu-split .videos { grid-template-columns: 1fr; }
@media (min-width: 640px) and (max-width: 999px) { .edu-split .videos { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.vid-row { display: grid; gap: 16px; }
.vid-row .video { grid-template-columns: 180px minmax(0, 1fr); align-items: center; gap: 16px; }
.vid-row .video p { font-size: 15.5px; }
.vid-row .thumb .play { width: 40px; height: 40px; margin: -20px 0 0 -20px; }
.vid-row .thumb .play::after { left: 15px; top: 12px; border-left-width: 12px; border-block-width: 8px; }
@media (max-width: 480px) { .vid-row .video { grid-template-columns: 130px minmax(0, 1fr); } }
.feature-vid { display: grid; gap: 22px; margin-bottom: 30px; }
@media (min-width: 900px) { .feature-vid { grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); align-items: center; gap: 40px; } }

@media (prefers-reduced-motion: reduce) {
  .lt-track { animation: none; }
  .marquee { overflow-x: auto; }
  .rcard, .flip-inner, .ctile, .qcard, .medal-in { transition: none; }
  .card3d { animation: none; }
  .medal-face::after, .nf-live i { animation: none; }
}
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }