/* ===== self-hosted fonts (no external CDN dependency) ===== */
@font-face{
  font-family:'Modak';
  font-style:normal; font-weight:400; font-display:swap;
  src:url('../assets/fonts/modak-latin-400.woff2') format('woff2');
}
@font-face{
  font-family:'Inter';
  font-style:normal; font-weight:100 900; font-display:swap;
  src:url('../assets/fonts/inter-latin-var.woff2') format('woff2');
}
@font-face{
  font-family:'Bricolage Grotesque';
  font-style:normal; font-weight:200 800; font-display:swap;
  src:url('../assets/fonts/bricolage-latin-var.woff2') format('woff2');
}

/* ============================================================
   WHY NOT — Design System
   The honest rent to own. Light theme, trust navy, one
   exclusive CTA accent (isolation effect). Motion is opt-in.
   ============================================================ */

/* ------------------------------------------------------------
   CHROMIC MINIMAL RULE (read before touching any colour)
   Outside of photography, this site uses exactly four colour
   families:
     1. Navy   — structure, headings, dark sections
     2. Cream  — section alternation, warm neutral
     3. White  — paper, cards
     4. Amber  — the ONE accent, reserved for conversion actions
                 (primary buttons, links that lead to prequalify,
                 focus rings, active/checked form states, progress
                 fill). Never used decoratively.
   --gold is NOT a second accent: it is defined as a tint of the
   same amber family (color-mix from --accent) and is only used
   for small non-CTA highlight moments (star rating glyph, stat
   numeral units) so the palette still reads as one warm hue, not
   two competing oranges.
   --green is a functional support colour (NN/g + form validation
   convention): success ticks and valid-input states only. It is
   never used for CTAs and never decorative.
   If you're about to add a colour: it must be navy, cream, white,
   the amber accent (CTA/active only), or the green success token.
   Anything else is colour noise — don't add it.
   ------------------------------------------------------------ */

/* ---------- Tokens ---------- */
:root {
  /* colour */
  --navy: #0b1c33;
  --navy-deep: #071426;
  --navy-soft: #12294a;
  --ink: #1a2333;
  --ink-soft: #4c5a70;
  --paper: #ffffff;
  --cream: #f7f5f0;
  --line: #e6e2d9;
  --accent: #ff8a1e;            /* CTA ONLY — never decorative */
  --accent-deep: color-mix(in srgb, var(--accent) 82%, black);
  --accent-soft: color-mix(in srgb, var(--accent) 12%, white);
  --green: #178a4c;
  --green-soft: color-mix(in srgb, var(--green) 12%, white);
  --gold: color-mix(in srgb, var(--accent) 62%, white 38%); /* tint of the ONE accent, not a second hue */

  /* type */
  --font-display: "Bricolage Grotesque", "Inter", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
  --fs-hero: clamp(2.4rem, 6.2vw + 0.5rem, 4.4rem);
  --fs-h2: clamp(1.7rem, 3.4vw + 0.5rem, 2.7rem);
  --fs-h3: clamp(1.2rem, 1.6vw + 0.5rem, 1.5rem);
  --fs-body: clamp(1rem, 0.4vw + 0.9rem, 1.125rem);
  --fs-small: 0.875rem;

  /* shape + depth */
  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 1px 3px rgb(11 28 51 / 0.08);
  --shadow-md: 0 8px 30px rgb(11 28 51 / 0.10);
  --shadow-lg: 0 20px 60px rgb(11 28 51 / 0.16);

  /* layout */
  --wrap: 1160px;
  --gap: clamp(1rem, 2.5vw, 2rem);
  --section: clamp(4rem, 9vw, 7.5rem);
}

/* ---------- Reset-ish ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0 0 0.6em;
  text-wrap: balance;
}
h1 { font-size: var(--fs-hero); font-weight: 800; }
h2 { font-size: var(--fs-h2); font-weight: 800; }
h3 { font-size: var(--fs-h3); font-weight: 700; }
p { margin: 0 0 1em; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 4px; }
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: 0.75rem 1.25rem;
}
.skip-link:focus { left: 0; }

.wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: clamp(1.1rem, 4vw, 2rem); }
.section { padding-block: var(--section); }
/* mobile rhythm: shorten the distance between one CTA and the next by
   trimming vertical section padding — same content, less scrolling fatigue */
@media (max-width: 700px) { .section { padding-block: clamp(2.6rem, 11vw, 4rem); } }
@media (max-width: 860px) {
  /* mobile has no hover state to reveal card depth, so give every card a
     resting shadow instead of a flat border — reads more premium at a glance */
  .bento-card, .car-card, .quote-card { box-shadow: var(--shadow-sm); }
}
.section--cream {
  background:
    linear-gradient(rgb(247 245 240 / 0.94), rgb(247 245 240 / 0.94)),
    url('../assets/img/tex-paper-tile.webp');
  background-size: auto, 340px 340px;
  background-repeat: repeat, repeat;
}
.section--dark {
  position: relative; overflow: clip; isolation: isolate;
  background:
    radial-gradient(900px 500px at 85% -10%, rgb(255 138 30 / 0.07), transparent 60%),
    radial-gradient(700px 480px at 0% 110%, rgb(64 120 210 / 0.1), transparent 60%),
    linear-gradient(rgb(7 20 38 / 0.82), rgb(7 20 38 / 0.82)),
    url('../assets/img/bg-dark-aurora.webp') center / cover no-repeat,
    var(--navy);
  color: #eef2f8;
}
.section--dark > .wrap { position: relative; z-index: 1; }
/* aurora ambient blobs — behind content, blurred, organic. Two pseudo-elements
   plus the section's own layered gradient above = a 3-layer mesh, all decorative. */
.section--dark::before,
.section--dark::after {
  content: ""; position: absolute; z-index: 0; border-radius: 50%; pointer-events: none;
}
.section--dark::before {
  top: -20%; right: -10%; width: min(46vw, 560px); height: min(46vw, 560px);
  background: radial-gradient(closest-side, rgb(255 176 84 / 0.16), transparent 72%);
  border-radius: 42% 58% 63% 37% / 41% 44% 56% 59%;
  filter: blur(30px);
}
.section--dark::after {
  bottom: -24%; left: -12%; width: min(40vw, 480px); height: min(40vw, 480px);
  background: radial-gradient(closest-side, rgb(90 140 220 / 0.2), transparent 70%);
  border-radius: 58% 42% 37% 63% / 55% 60% 40% 45%;
  filter: blur(30px);
}
.section--dark h2, .section--dark h3 { color: #fff; }
.eyebrow {
  display: inline-block;
  font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--ink-soft);
  margin-bottom: 0.9rem;
}
.section--dark .eyebrow { color: var(--gold); }
.lede { font-size: clamp(1.05rem, 1vw + 0.9rem, 1.3rem); color: var(--ink-soft); max-width: 46ch; }
.section--dark .lede { color: #b9c5d8; }
.center { text-align: center; }
.center .lede { margin-inline: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  font-family: var(--font-body); font-weight: 700; font-size: 1.02rem;
  padding: 0.95rem 1.7rem; min-height: 50px; border-radius: 999px; border: 0;
  cursor: pointer; text-decoration: none; white-space: nowrap;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background-color 0.18s ease;
}
.btn--primary {
  background: var(--accent); color: #221200;
  box-shadow: 0 6px 20px rgb(255 138 30 / 0.35);
}
.btn--primary:hover { background: var(--accent-deep); color: #fff; transform: translateY(-2px); box-shadow: 0 10px 26px rgb(255 138 30 / 0.42); }
.btn--primary:active { transform: translateY(0) scale(0.98); }
/* one-shot arrival glow on the hero's primary CTA — draws the eye to the
   single most important action on load, then stops. Not a loop, not fake
   urgency: it never repeats and carries no scarcity claim. */
@media (prefers-reduced-motion: no-preference) {
  .hero-ctas .btn--primary { animation: cta-glow-pulse 1.7s ease-out 1; animation-delay: 0.6s; }
  @keyframes cta-glow-pulse {
    0% { box-shadow: 0 6px 20px rgb(255 138 30 / 0.35), 0 0 0 0 rgb(255 138 30 / 0); }
    45% { box-shadow: 0 6px 20px rgb(255 138 30 / 0.35), 0 0 0 9px rgb(255 138 30 / 0.14); }
    100% { box-shadow: 0 6px 20px rgb(255 138 30 / 0.35), 0 0 0 0 rgb(255 138 30 / 0); }
  }
}
.btn--ghost {
  background: transparent; color: var(--ink);
  border: 2px solid var(--line);
}
.btn--ghost:hover { border-color: var(--ink); transform: translateY(-2px); }
.section--dark .btn--ghost { color: #fff; border-color: rgb(255 255 255 / 0.35); }
.section--dark .btn--ghost:hover { border-color: #fff; }
.btn--lg { padding: 1.15rem 2.2rem; font-size: 1.1rem; }
.btn .arrow { transition: transform 0.18s ease; }
.btn:hover .arrow { transform: translateX(4px); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgb(255 255 255 / 0.95); /* solid fallback, see @supports below */
  border-bottom: 1px solid transparent;
  box-shadow: inset 0 1px 0 rgb(255 255 255 / 0.5);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
@supports (backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px)) {
  .site-header {
    background: rgb(255 255 255 / 0.72);
    backdrop-filter: blur(18px) saturate(1.4);
    -webkit-backdrop-filter: blur(18px) saturate(1.4);
  }
}
.site-header.is-scrolled { border-color: var(--line); box-shadow: var(--shadow-sm); }
.nav-bar {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding-block: 0.8rem;
}
.logo {
  position: relative; z-index: 5;
  font-family: var(--font-display); font-weight: 800; font-size: 1.45rem;
  letter-spacing: -0.03em; text-decoration: none; color: var(--navy);
  display: flex; align-items: baseline; gap: 0.1rem;
  transition: color 0.2s ease;
}
.logo .q { color: var(--accent); }
.logo .tag {
  font-family: var(--font-body); font-weight: 500; font-size: 0.7rem;
  color: var(--ink-soft); margin-left: 0.6rem; letter-spacing: 0.02em;
  transition: color 0.2s ease;
}
.nav-links { display: flex; align-items: center; gap: 1.6rem; list-style: none; margin: 0; padding: 0; }
.nav-links a:not(.btn) {
  text-decoration: none; font-weight: 600; font-size: 0.95rem; color: var(--ink);
  background: linear-gradient(currentColor, currentColor) bottom left / 0% 2px no-repeat;
  transition: background-size 0.25s ease;
  padding-bottom: 3px;
}
.nav-links a:not(.btn):hover, .nav-links a[aria-current="page"] { background-size: 100% 2px; }
.nav-links a:not(.btn) { transition: background-size 0.25s ease, transform 0.08s ease, background-color 0.15s ease; }
.nav-links a:not(.btn):active { transform: scale(0.98); transition-duration: 80ms; background-color: var(--cream); }
.nav-phone { display: inline-flex; align-items: center; gap: 0.4rem; font-weight: 700; text-decoration: none; }

/* hamburger → close morph, drawn from three bars so each can rotate/fade
   independently (an inline SVG can't animate its strokes like this) */
.nav-toggle {
  display: none; position: relative; z-index: 5; order: 3;
  width: 44px; height: 44px; padding: 0; background: none; border: 0; cursor: pointer;
  color: var(--navy); border-radius: 10px;
  transition: transform 0.15s ease, color 0.2s ease;
}
.nav-toggle:active { transform: scale(0.92); }
.nav-toggle-bars { position: relative; display: block; width: 22px; height: 15px; margin: 0 auto; }
.nav-toggle-bars span {
  position: absolute; left: 0; width: 100%; height: 2.5px; border-radius: 2px;
  background: currentColor;
  transition: transform 0.32s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.2s ease, top 0.32s cubic-bezier(0.4, 0, 0.2, 1);
}
.nav-toggle-bars span:nth-child(1) { top: 0; }
.nav-toggle-bars span:nth-child(2) { top: 6.5px; }
.nav-toggle-bars span:nth-child(3) { top: 13px; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(1) { top: 6.5px; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(3) { top: 6.5px; transform: rotate(-45deg); }

@media (max-width: 860px) {
  /* no-JS fallback first: links stay inline in normal flow, always reachable */
  .nav-links { display: block; padding: 0.2rem 0 0.4rem; }
  .nav-links li { border-bottom: 1px solid var(--line); }
  .nav-links a:not(.btn) { display: block; padding: 1rem 0.2rem; font-size: 1.05rem; }
  .nav-links .nav-cta { border: 0; padding-top: 1.2rem; }
  .nav-links .btn { width: 100%; }

  /* JS-enhanced only: hamburger appears, links become a full-screen takeover */
  html.js .nav-toggle { display: block; }

  html.js .nav-links {
    position: fixed; inset: 0; z-index: 2;
    display: flex; flex-direction: column; justify-content: center;
    gap: 0; margin: 0; overflow-y: auto; isolation: isolate;
    padding: clamp(5.5rem, 20vw, 7.5rem) clamp(1.6rem, 8vw, 3rem) calc(2.2rem + env(safe-area-inset-bottom));
    background: linear-gradient(165deg, var(--navy-soft), var(--navy-deep));
    /* solid background, deliberately no backdrop-filter: nothing left to
       stay half-blurred once this closes */
    opacity: 0; visibility: hidden; pointer-events: none; transform: scale(0.97);
    transition: opacity 0.32s ease, visibility 0s linear 0.32s;
  }
  /* ambient aurora blobs, same visual language as the site's dark sections */
  html.js .nav-links::before,
  html.js .nav-links::after {
    content: ""; position: absolute; z-index: 0; border-radius: 50%; pointer-events: none; filter: blur(32px);
  }
  html.js .nav-links::before {
    top: -16%; right: -20%; width: 64vw; height: 64vw; max-width: 460px; max-height: 460px;
    background: radial-gradient(closest-side, rgb(255 176 84 / 0.18), transparent 72%);
  }
  html.js .nav-links::after {
    bottom: -20%; left: -18%; width: 56vw; height: 56vw; max-width: 420px; max-height: 420px;
    background: radial-gradient(closest-side, rgb(90 140 220 / 0.22), transparent 70%);
  }
  html.js .nav-links.is-open {
    opacity: 1; visibility: visible; pointer-events: auto; transform: none;
    transition: opacity 0.32s ease;
  }
  html.js .nav-links li {
    position: relative; z-index: 1;
    border-bottom: 1px solid rgb(255 255 255 / 0.14);
  }
  html.js .nav-links li:last-child { border-bottom: 0; }
  html.js .nav-links .nav-cta { padding-top: 1.5rem; }
  html.js .nav-links a:not(.btn) {
    display: flex; align-items: center; justify-content: space-between; gap: 1rem;
    padding: 0.8rem 0.1rem; color: #fff; background: none; line-height: 1.05;
    font-family: var(--font-display); font-weight: 800;
    font-size: clamp(1.5rem, 7.5vw, 2.15rem); letter-spacing: -0.01em;
    transition: color 0.15s ease;
  }
  html.js .nav-links a:not(.btn)::after {
    content: "→"; font-size: 0.55em; font-weight: 700; color: var(--gold);
    opacity: 0; transform: translateX(-6px); transition: opacity 0.2s ease, transform 0.2s ease;
  }
  html.js .nav-links a:not(.btn):active::after,
  html.js .nav-links a:not(.btn):focus-visible::after { opacity: 1; transform: none; }
  html.js .nav-links a:not(.btn):active { background-color: transparent; transform: scale(0.98); }
  /* current page: always shown, not just on hover/press — a quiet "you are
     here" so the takeover doubles as orientation, not just a jump list */
  html.js .nav-links a:not(.btn)[aria-current="page"] { color: var(--gold); }
  html.js .nav-links a:not(.btn)[aria-current="page"]::after { opacity: 1; transform: none; }
  /* more specific than `a:not(.btn)` on purpose — the phone link is a
     secondary action and must not inherit the big display-font treatment */
  html.js .nav-links a.nav-phone {
    color: #b9c5d8; font-family: var(--font-body); font-weight: 700; font-size: 1rem;
  }
  html.js .nav-links .nav-cta .btn { width: 100%; }

  /* staggered link entrance, opt-in only */
  @media (prefers-reduced-motion: no-preference) {
    /* upgrade the panel's plain opacity fade to a soft scale+fade settle;
       reduced-motion users still get the base opacity-only transition above */
    html.js .nav-links {
      transition: opacity 0.32s ease, transform 0.36s cubic-bezier(0.22, 0.75, 0.28, 1), visibility 0s linear 0.32s;
    }
    html.js .nav-links.is-open {
      transition: opacity 0.32s ease, transform 0.36s cubic-bezier(0.22, 0.75, 0.28, 1);
    }
    html.js .nav-links li {
      opacity: 0; transform: translateY(18px);
      transition: opacity 0.42s ease, transform 0.42s ease;
    }
    html.js .nav-links.is-open li { opacity: 1; transform: none; }
    html.js .nav-links.is-open li:nth-child(1) { transition-delay: 0.06s; }
    html.js .nav-links.is-open li:nth-child(2) { transition-delay: 0.11s; }
    html.js .nav-links.is-open li:nth-child(3) { transition-delay: 0.16s; }
    html.js .nav-links.is-open li:nth-child(4) { transition-delay: 0.21s; }
    html.js .nav-links.is-open li:nth-child(5) { transition-delay: 0.26s; }
    html.js .nav-links.is-open li:nth-child(6) { transition-delay: 0.31s; }
    html.js .nav-links.is-open li:nth-child(7) { transition-delay: 0.36s; }
  }

  /* while the menu is open, the header chrome blends away so only the
     (now white) logo and the close icon float above the takeover */
  body.nav-open .site-header { background: transparent; box-shadow: none; border-color: transparent; }
  @supports (backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px)) {
    body.nav-open .site-header { backdrop-filter: none; -webkit-backdrop-filter: none; }
  }
  body.nav-open .logo, body.nav-open .logo .tag, body.nav-open .nav-toggle { color: #fff; }
  /* the wordmark's outline/shadow are hardcoded navy via custom properties,
     not `currentColor`, so they'd vanish into the now-navy takeover behind
     the header unless overridden here — amber fill stays, only the outline
     flips to white so the mark stays crisp against the dark background */
  body.nav-open .site-header .wn-mark { --wn-navy: #fff; --wn-navy-deep: #fff; }
}
body.nav-open .sticky-cta { transform: translateY(110%) !important; }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: clip; isolation: isolate;
  background:
    radial-gradient(1000px 620px at 88% -20%, rgb(255 176 84 / 0.12), transparent 62%),
    radial-gradient(820px 560px at -10% 30%, rgb(90 140 220 / 0.08), transparent 60%),
    linear-gradient(rgb(247 245 240 / 0.6), rgb(247 245 240 / 0.6)),
    url('../assets/img/bg-hero-light.webp') center / cover no-repeat,
    var(--cream);
}
.hero > .wrap { position: relative; z-index: 1; }
/* aurora ambient blobs — organic, blurred, sit behind hero content. Contrast
   is protected: blobs are low opacity over --cream and text sits at z-index 1. */
.hero::before,
.hero::after {
  content: ""; position: absolute; z-index: 0; border-radius: 50%; pointer-events: none;
}
.hero::before {
  top: -18%; right: -8%; width: min(58vw, 700px); height: min(58vw, 700px);
  background: radial-gradient(closest-side, rgb(255 176 84 / 0.3), transparent 72%);
  border-radius: 42% 58% 63% 37% / 41% 44% 56% 59%;
  filter: blur(24px);
}
.hero::after {
  bottom: -24%; left: -12%; width: min(48vw, 580px); height: min(48vw, 580px);
  background: radial-gradient(closest-side, rgb(90 140 220 / 0.18), transparent 70%);
  border-radius: 58% 42% 37% 63% / 55% 60% 40% 45%;
  filter: blur(24px);
}
/* extremely slow, subtle drift — transform only, opt-in behind reduced motion */
@media (prefers-reduced-motion: no-preference) {
  .hero::before, .section--dark::before { animation: aurora-drift-a 72s ease-in-out infinite; }
  .hero::after, .section--dark::after { animation: aurora-drift-b 88s ease-in-out infinite; }
  @keyframes aurora-drift-a {
    0%, 100% { transform: translate(0, 0) scale(1); }
    50% { transform: translate(-4%, 3%) scale(1.06); }
  }
  @keyframes aurora-drift-b {
    0%, 100% { transform: translate(0, 0) scale(1); }
    50% { transform: translate(3%, -4%) scale(1.05); }
  }
}
.hero-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; align-items: center;
  gap: var(--gap); padding-block: clamp(3.5rem, 7vw, 6.5rem);
  min-height: min(78dvh, 760px);
}
.hero-copy .lede { margin-block: 1.2rem 1.8rem; }
.hl, .hero h1 .hl { color: transparent; background: linear-gradient(100deg, var(--accent-deep), var(--accent)); background-clip: text; -webkit-background-clip: text; }
/* kinetic type, restrained: one clip-path reveal per hero on load, never body text,
   never letter-by-letter. h1 text is in the DOM and fully readable instantly —
   this only affects paint, and only runs when motion is welcomed. */
@media (prefers-reduced-motion: no-preference) {
  h1 .hl, .page-hero h1 .hl {
    display: inline-block;
    animation: hl-reveal 900ms cubic-bezier(0.22, 1, 0.36, 1) both;
  }
  @keyframes hl-reveal {
    from { clip-path: inset(0 100% 0 0); }
    to { clip-path: inset(0 0 0 0); }
  }
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.9rem; align-items: center; }
.hero-reassure { margin-top: 1rem; font-size: var(--fs-small); color: var(--ink-soft); display: flex; align-items: center; gap: 0.45rem; }
.hero-visual { position: relative; }
.hero-car { filter: drop-shadow(0 30px 40px rgb(11 28 51 / 0.25)); }

/* floating chips over hero */
.chip {
  position: absolute; display: flex; align-items: center; gap: 0.55rem;
  background: rgb(255 255 255 / 0.96); /* solid fallback */
  border: 1px solid rgb(255 255 255 / 0.9);
  border-radius: 14px; padding: 0.6rem 0.9rem;
  font-size: 0.88rem; font-weight: 700; box-shadow: var(--shadow-md);
}
@supports (backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px)) {
  .chip {
    background: rgb(255 255 255 / 0.8);
    backdrop-filter: blur(11px) saturate(1.5);
    -webkit-backdrop-filter: blur(11px) saturate(1.5);
    border: 1px solid rgb(255 255 255 / 0.75);
    box-shadow: var(--shadow-md), inset 0 1px 0 rgb(255 255 255 / 0.6);
  }
}
.chip small { display: block; font-weight: 500; color: var(--ink-soft); font-size: 0.72rem; }
/* the piggy-bank icon is only part of the mobile bento treatment below;
   the compact floating desktop chip stays text-only */
.chip--price img { display: none; }
.chip--price { top: 4%; right: 2%; }
.chip--approved { bottom: 26%; left: -2%; }
.chip--included { bottom: -4%; right: 12%; }
.chip .tick { color: var(--green); }
@media (prefers-reduced-motion: no-preference) {
  .chip { animation: floaty 5.5s ease-in-out infinite; }
  .chip--approved { animation-delay: 1.2s; }
  .chip--included { animation-delay: 2.4s; }
  @keyframes floaty { 50% { transform: translateY(-8px); } }
}
@media (max-width: 860px) {
  /* mobile-first CTA priority: copy + CTA stay in natural DOM order (first),
     the car image follows after — a mobile visitor should reach the primary
     button within the first scroll, not after a full-width photo. */
  .hero-grid { grid-template-columns: 1fr; min-height: auto; padding-block: clamp(1.6rem, 5vw, 2.4rem) clamp(2rem, 6vw, 2.8rem); gap: 1.6rem; }
  /* floating chips work at desktop scale; on mobile they resolve into an
     asymmetric bento cluster instead — a featured price cell (echoing the
     dark bento-card--feature treatment used elsewhere on this page) plus a
     compact two-up row, so the trust group reads as one designed unit
     instead of three identical stacked rows. */
  .hero-visual {
    max-width: 420px; margin-inline: auto; position: relative;
    display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem;
  }
  .hero-visual::before {
    content: ""; position: absolute; z-index: -1; pointer-events: none;
    top: 30%; left: 50%; transform: translateX(-50%);
    width: 130%; height: 68%; filter: blur(34px);
    background: radial-gradient(closest-side, rgb(255 176 84 / 0.18), transparent 72%);
  }
  .hero-car { grid-column: 1 / -1; }
  .hero-visual .chip {
    position: static; animation: none; width: auto; box-sizing: border-box;
    flex-direction: column; align-items: flex-start; gap: 0.3rem; text-align: left;
    border-radius: 16px; padding: 0.85rem 1rem;
  }
  .hero-visual .chip--price {
    grid-column: 1 / -1; flex-direction: row; align-items: center; justify-content: space-between;
    background: linear-gradient(145deg, var(--navy-soft), var(--navy-deep));
    border-color: rgb(255 255 255 / 0.08); color: #fff;
    box-shadow: var(--shadow-md), inset 0 1px 0 rgb(255 255 255 / 0.08);
  }
  .hero-visual .chip--price > div { font-family: var(--font-display); font-weight: 800; font-size: 1.5rem; letter-spacing: -0.01em; }
  .hero-visual .chip--price small { display: block; color: #b9c5d8; font-weight: 500; font-size: 0.72rem; margin-top: 0.15rem; }
  .hero-visual .chip--price img { display: block; width: 40px; height: 40px; flex-shrink: 0; }
  .hero-visual .chip .tick {
    display: grid; place-items: center; width: 26px; height: 26px; flex-shrink: 0;
    border-radius: 50%; background: var(--green-soft); font-size: 0.75rem;
  }
  /* stacked, full-width CTAs: bigger thumb targets, primary reads first */
  .hero-ctas { flex-direction: column; align-items: stretch; gap: 0.7rem; }
  .hero-ctas .btn { width: 100%; }
  /* the shared --fs-hero clamp sits flat at its 2.4rem floor for basically
     every phone width (its vw term only overtakes that floor above ~490px),
     so on mobile this headline reads smaller than the design intends —
     give it its own floor/ceiling instead of inheriting the sitewide one. */
  .hero-copy h1 { font-size: clamp(2.6rem, 15vw, 3.3rem); }
}

/* trust strip */
.trust-strip {
  display: flex; flex-wrap: wrap; gap: 1rem 2.2rem; align-items: center;
  padding-block: 1.1rem; border-top: 1px solid var(--line);
  font-size: 0.9rem; color: var(--ink-soft);
}
.trust-strip strong { color: var(--ink); }
.stars { color: var(--gold); letter-spacing: 2px; }

/* ---------- Bento grid ---------- */
.bento {
  display: grid; gap: 1rem;
  grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: minmax(120px, auto);
}
.bento-card {
  container-type: inline-size;
  position: relative; overflow: clip;
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.6rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.section--cream .bento-card { border-color: transparent; box-shadow: var(--shadow-sm); }
.bento-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--line); }
.bento-card:active { transform: translateY(-1px) scale(0.98); transition-duration: 80ms; }
.bento-card--feature {
  grid-column: span 2; grid-row: span 2;
  display: flex; flex-direction: column; justify-content: flex-end;
  background: linear-gradient(160deg, var(--navy-soft), var(--navy-deep));
  color: #eef2f8; border: 0;
}
.bento-card--feature h3 { color: #fff; font-size: clamp(1.4rem, 2vw, 1.9rem); }
.bento-card--feature p { color: #fff; }
/* oversized numeral watermark: set data-num="01" etc. in markup */
.bento-card--feature[data-num]::before {
  content: attr(data-num);
  position: absolute; right: -0.3rem; bottom: -1.1rem; z-index: 0;
  font-family: var(--font-display); font-weight: 800; font-size: clamp(6rem, 12vw, 9rem);
  line-height: 1; color: rgb(255 255 255 / 0.06); pointer-events: none;
}
.bento-card--feature > * { position: relative; z-index: 1; }
/* wide rhythm cell: spans both columns on row 1 of its own 2-col block */
.bento-card--wide { grid-column: span 2; }
/* stat cell: a bento tile that behaves like the stats band, in-grid */
.bento-card--stat {
  display: flex; flex-direction: column; justify-content: center;
  background: var(--cream); border-color: transparent;
}
.bento-card--stat .bento-stat-num {
  font-family: var(--font-display); font-weight: 800; letter-spacing: -0.03em;
  font-size: clamp(2.2rem, 4vw, 3rem); color: var(--navy); line-height: 1;
}
.bento-card--stat .bento-stat-num .unit { color: var(--gold); font-size: 0.55em; }
.bento-card--cta { background: var(--accent-soft); border-color: color-mix(in srgb, var(--accent) 30%, white); }
.bento-icon {
  width: 46px; height: 46px; border-radius: 12px;
  display: grid; place-items: center; margin-bottom: 1rem;
  background: var(--green-soft); color: var(--green);
}
.bento-card--feature .bento-icon { background: rgb(255 255 255 / 0.12); color: var(--gold); }
/* illustrated icon variant: real cutout art instead of a stroke icon, no tinted disc */
.bento-icon--img { width: 58px; height: 58px; background: none; }
.bento-icon--img img { width: 100%; height: 100%; object-fit: contain; }
.bento-card h3 { margin-bottom: 0.35rem; }
.bento-card p { font-size: 0.95rem; color: var(--ink-soft); margin: 0; }
@container (max-width: 220px) {
  .bento-card h3 { font-size: 1.02rem; }
  .bento-card p { font-size: 0.88rem; }
}
@media (max-width: 920px) { .bento { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) {
  .bento { grid-template-columns: 1fr; }
  .bento-card--feature, .bento-card--wide { grid-column: span 1; grid-row: span 1; }
}

/* ---------- Stats band ---------- */
.stats-band { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap); text-align: center; }
.stat-num {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(2.6rem, 5.5vw, 4.2rem); letter-spacing: -0.03em;
  color: #fff; line-height: 1;
}
.stat-num .unit { color: var(--gold); }
.stat-label { color: #b9c5d8; margin-top: 0.5rem; font-size: 0.95rem; }
@media (max-width: 700px) { .stats-band { grid-template-columns: 1fr; gap: 2.2rem; } }

/* ---------- Car cards ---------- */
.car-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem;
}
@media (max-width: 1000px) {
  .car-row {
    display: flex; overflow-x: auto; scroll-snap-type: x mandatory;
    gap: 1rem; padding-bottom: 1rem; margin-inline: calc(-1 * clamp(1.1rem, 4vw, 2rem));
    padding-inline: clamp(1.1rem, 4vw, 2rem);
    scrollbar-width: none;
    /* edge fade masks: hint that more cards are off-screen, no wrapper needed */
    mask-image: linear-gradient(90deg, transparent, black clamp(1.1rem, 4vw, 2rem), black calc(100% - clamp(1.1rem, 4vw, 2rem)), transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, black clamp(1.1rem, 4vw, 2rem), black calc(100% - clamp(1.1rem, 4vw, 2rem)), transparent);
  }
  .car-row::-webkit-scrollbar { display: none; }
  .car-card {
    flex: 0 0 78%; max-width: 320px; scroll-snap-align: center;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
  }
  .car-card.is-snapped { transform: scale(1.03) translateY(-2px); box-shadow: var(--shadow-md); }
}
/* pagination dots, added by JS under each finite scroll-snap deck. No infinite scroll. */
.deck-dots {
  display: none; justify-content: center; gap: 0.5rem; margin-top: 0.9rem;
}
@media (max-width: 1000px) {
  .deck-dots { display: flex; }
}
.deck-dots button {
  position: relative;
  width: 8px; height: 8px; border-radius: 50%; padding: 0; border: 0;
  background: var(--line); cursor: pointer;
  transition: background-color 0.2s ease, transform 0.2s ease;
}
/* invisible expanded hit area — dot stays visually small, tap target doesn't */
.deck-dots button::after { content: ""; position: absolute; inset: -14px; }
.deck-dots button:active { transform: scale(0.85); }
.deck-dots button[aria-current="true"] { background: var(--navy); transform: scale(1.25); }
.deck-dots button:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
.car-card {
  container-type: inline-size;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  overflow: clip; display: flex; flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
@container (max-width: 240px) {
  .car-card .car-price .amount { font-size: 1.4rem; }
}
.car-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.car-card-visual {
  background: linear-gradient(160deg, var(--cream), #ecf0f6);
  padding: 1.4rem 1.2rem 0.6rem; position: relative;
}
/* car photos are transparent-background cutouts — ground them with a soft
   shadow instead of letting them float with no visual weight */
.car-card-visual img, .steps-visual .visual-card img {
  filter: drop-shadow(0 14px 16px rgb(11 28 51 / 0.16));
}
.car-card-visual .badge {
  position: absolute; top: 0.9rem; left: 0.9rem;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  background: var(--navy); color: #fff; border-radius: 999px; padding: 0.3rem 0.7rem;
}
.car-card-body { padding: 1.2rem 1.3rem 1.4rem; display: flex; flex-direction: column; gap: 0.65rem; flex: 1; }
.car-card-body h3 { margin: 0; font-size: 1.15rem; }
.car-price { display: flex; align-items: baseline; gap: 0.35rem; }
.car-price .from { font-size: 0.8rem; color: var(--ink-soft); }
.car-price .amount { font-family: var(--font-display); font-weight: 800; font-size: 1.7rem; letter-spacing: -0.02em; }
.car-price .per { color: var(--ink-soft); font-size: 0.9rem; }
.car-meta { font-size: 0.85rem; color: var(--ink-soft); margin: 0; }
.car-total { font-size: 0.82rem; color: var(--ink-soft); border-top: 1px dashed var(--line); padding-top: 0.65rem; margin: 0; }
.car-total strong { color: var(--ink); }
.car-card .btn { margin-top: auto; }

/* tick list */
.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.5rem; font-size: 0.92rem; }
.ticks li { display: flex; gap: 0.55rem; align-items: flex-start; }
.ticks .tick { color: var(--green); flex-shrink: 0; margin-top: 0.15rem; }

/* ---------- Calculator ---------- */
.calc-panel {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 0;
  background: var(--paper); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: clip; border: 1px solid var(--line);
}
.calc-inputs { padding: clamp(1.6rem, 3.5vw, 2.8rem); display: grid; gap: 1.5rem; align-content: start; }
.calc-result {
  position: relative; overflow: clip;
  background: linear-gradient(165deg, var(--navy-soft), var(--navy-deep));
  color: #eef2f8; padding: clamp(1.6rem, 3.5vw, 2.8rem);
  display: flex; flex-direction: column; justify-content: center; gap: 0.4rem;
  border-left: 1px solid rgb(255 255 255 / 0.12); /* glass edge, disciplined: 4th and last glass moment */
  box-shadow: inset 0 1px 0 rgb(255 255 255 / 0.14);
}
.calc-result::before {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(120deg, rgb(255 255 255 / 0.08), transparent 45%);
}
@supports (backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px)) {
  .calc-result { backdrop-filter: saturate(1.3); -webkit-backdrop-filter: saturate(1.3); }
}
.calc-result > * { position: relative; z-index: 1; }
.calc-result .label { color: #b9c5d8; font-size: 0.9rem; }
.calc-week {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(3rem, 6vw, 4.6rem); line-height: 1; letter-spacing: -0.03em; color: #fff;
}
.calc-week .per { font-size: 1.1rem; font-weight: 600; color: var(--gold); letter-spacing: 0; }
.calc-total-line { color: #b9c5d8; font-size: 0.92rem; border-top: 1px solid rgb(255 255 255 / 0.15); padding-top: 0.9rem; margin-top: 0.9rem; }
.calc-total-line strong { color: #fff; }
.calc-disclaimer { font-size: 0.75rem; color: #8fa0b8; margin-top: 1rem; }
.calc-result .btn { margin-top: 1.2rem; align-self: flex-start; }
@media (max-width: 860px) {
  /* the calculator's result button is the single highest-intent click on the
     page (someone who just tuned inputs to their own numbers) — make it the
     full width of the panel on mobile, not a shrink-wrapped pill */
  .calc-result .btn { align-self: stretch; width: 100%; }
}
/* ---------- Skeleton loading (honest use only: the 350ms labour-illusion
   window on the calculator, and a brief 150ms step-change skeleton on the
   prequalify form. Never on static page loads — the site is instant.) ---------- */
.skeleton-block {
  border-radius: 10px; background: rgb(255 255 255 / 0.14);
  position: relative; overflow: clip;
}
.skeleton-block--light { background: var(--line); }
.skeleton-block::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent, rgb(255 255 255 / 0.35), transparent);
  transform: translateX(-100%);
}
@media (prefers-reduced-motion: no-preference) {
  .skeleton-block::after { animation: skeleton-shimmer 1.1s ease-in-out infinite; }
  @keyframes skeleton-shimmer { to { transform: translateX(100%); } }
}
.skeleton-block--lg { height: clamp(2.6rem, 5.5vw, 4rem); width: 58%; }
.skeleton-block--sm { height: 0.9rem; width: 82%; margin-top: 0.8rem; }
.calc-skeleton {
  display: none; flex-direction: column; gap: 0.9rem;
  position: absolute; inset: 0; z-index: 2; padding: inherit;
  justify-content: center;
}
.calc-result.is-calculating .calc-skeleton { display: flex; }
.calc-result.is-calculating .calc-week,
.calc-result.is-calculating .calc-total-line,
.calc-result.is-calculating .label { visibility: hidden; }
.field-label { font-weight: 700; font-size: 0.95rem; display: block; margin-bottom: 0.6rem; }
.field-hint { font-weight: 400; color: var(--ink-soft); font-size: 0.82rem; }

/* size picker (radio cards) */
.size-picker { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0.6rem; }
.size-option { position: relative; }
.size-option input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.size-option label, .size-option .size-label {
  display: flex; flex-direction: column; align-items: center; gap: 0.3rem;
  border: 2px solid var(--line); border-radius: 14px; padding: 0.8rem 0.4rem;
  font-size: 0.82rem; font-weight: 600; cursor: pointer; text-align: center;
  transition: border-color 0.15s ease, background-color 0.15s ease, transform 0.15s ease;
}
.size-option:has(input:checked) .size-label {
  border-color: var(--navy); background: var(--cream); transform: translateY(-2px);
}
.size-option:active .size-label { transform: scale(0.97); transition-duration: 80ms; }
.size-option:has(input:focus-visible) .size-label { outline: 3px solid var(--accent); outline-offset: 2px; }
@media (max-width: 560px) { .size-picker { grid-template-columns: repeat(2, 1fr); } }

/* range sliders */
input[type="range"] {
  width: 100%; appearance: none; -webkit-appearance: none; height: 8px; border-radius: 999px;
  background: linear-gradient(to right, var(--navy) var(--fill, 50%), var(--line) var(--fill, 50%));
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; -webkit-appearance: none;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--paper); border: 3px solid var(--navy);
  box-shadow: var(--shadow-sm); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--paper); border: 3px solid var(--navy);
}
.range-value { font-weight: 800; font-family: var(--font-display); font-size: 1.15rem; }

/* segmented control (term) */
.segmented { display: flex; border: 2px solid var(--line); border-radius: 999px; padding: 3px; width: fit-content; }
.segmented .seg { position: relative; }
.segmented input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.segmented .seg-label {
  display: block; padding: 0.5rem 1.2rem; border-radius: 999px;
  font-weight: 700; font-size: 0.92rem; cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease, transform 0.08s ease;
}
.segmented .seg:has(input:checked) .seg-label { background: var(--navy); color: #fff; }
.segmented .seg:active .seg-label { transform: scale(0.94); transition-duration: 80ms; }
.segmented .seg:has(input:focus-visible) .seg-label { outline: 3px solid var(--accent); outline-offset: 2px; }
@media (max-width: 880px) { .calc-panel { grid-template-columns: 1fr; } }

/* ---------- Scrollytelling: how it works ---------- */
.steps-layout { display: grid; grid-template-columns: 1fr 1.1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.steps-visual { position: sticky; top: 110px; }
.steps-visual .visual-card {
  background: var(--paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: 2rem; border: 1px solid var(--line);
}
.step-item {
  display: grid; grid-template-columns: auto 1fr; gap: 1.2rem;
  padding-block: clamp(1.6rem, 3vw, 2.6rem);
  border-bottom: 1px solid var(--line);
  opacity: 0.45; transition: opacity 0.3s ease;
}
.step-item.is-active, html.no-js .step-item { opacity: 1; }
.step-item:last-child { border-bottom: 0; }
.step-num {
  width: 52px; height: 52px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 800; font-size: 1.25rem;
  background: var(--cream); border: 2px solid var(--line); color: var(--navy);
  transition: background-color 0.3s ease, border-color 0.3s ease, color 0.3s ease;
}
.step-item.is-active .step-num { background: var(--navy); border-color: var(--navy); color: #fff; }
.step-item h3 { margin-bottom: 0.3rem; }
.step-item p { color: var(--ink-soft); margin: 0; }
@media (max-width: 860px) {
  .steps-layout { grid-template-columns: 1fr; }
  .steps-visual { position: static; }
  .step-item { opacity: 1; }
}
/* scrollytelling enhancement layer: a thin accent rail fills alongside the sticky
   visual as the 4 steps scroll past, driven natively by CSS scroll-linked
   animation. The IntersectionObserver .is-active toggle above remains the
   universal fallback (this is additive, and Firefox simply never runs it). */
@supports (animation-timeline: view()) {
  @media (prefers-reduced-motion: no-preference) {
    .steps-layout { view-timeline-name: --steps-scroll; view-timeline-axis: block; }
    .steps-visual { position: sticky; }
    .steps-visual::after {
      content: ""; position: absolute; left: -14px; top: 0; bottom: 0; width: 4px;
      border-radius: 999px; background: var(--accent); transform-origin: top;
      transform: scaleY(0); animation: steps-fill linear both;
      animation-timeline: --steps-scroll;
    }
    @keyframes steps-fill { to { transform: scaleY(1); } }
  }
}
@media (max-width: 860px) {
  .steps-visual::after { display: none; }
}

/* ---------- Transparency block ---------- */
.honest-panel {
  border: 2px solid var(--navy); border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 4vw, 3rem);
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(1.5rem, 4vw, 3rem);
  background: var(--paper); position: relative;
}
.honest-panel::before {
  content: "The honest bit";
  position: absolute; top: -0.9rem; left: 2rem;
  background: var(--navy); color: #fff; font-weight: 700; font-size: 0.85rem;
  padding: 0.35rem 1rem; border-radius: 999px;
}
.cost-table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
.cost-table th, .cost-table td { text-align: left; padding: 0.7rem 0.4rem; border-bottom: 1px solid var(--line); }
.cost-table th { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--ink-soft); }
.cost-table tfoot td { font-weight: 800; border-bottom: 0; border-top: 2px solid var(--navy); }
@media (max-width: 860px) { .honest-panel { grid-template-columns: 1fr; } }

/* ---------- Testimonials ---------- */
.quote-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.quote-card {
  container-type: inline-size;
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: clamp(1.2rem, 3vw, 1.6rem); display: flex; flex-direction: column; gap: 0.9rem;
}
.quote-card blockquote { margin: 0; font-size: 0.98rem; }
.quote-who { display: flex; align-items: center; gap: 0.8rem; margin-top: auto; }
.quote-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center; font-weight: 800; color: #fff;
  background: var(--navy-soft); font-family: var(--font-display);
}
.quote-who .name { font-weight: 700; font-size: 0.92rem; }
.quote-who .place { font-size: 0.8rem; color: var(--ink-soft); }
@media (max-width: 860px) { .quote-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq-list { max-width: 780px; margin-inline: auto; display: grid; gap: 0.7rem; }
.faq-list details {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 0; overflow: clip;
}
.faq-list summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; font-weight: 700; padding: 1.15rem 1.4rem;
  transition: transform 0.08s ease, background-color 0.15s ease;
}
.faq-list summary:active { transform: scale(0.99); transition-duration: 80ms; }
.faq-list summary:hover { background: var(--cream); }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; font-family: var(--font-display); font-size: 1.4rem; font-weight: 700;
  color: var(--accent-deep); transition: transform 0.2s ease; line-height: 1;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list .faq-body { padding: 0 1.4rem 1.3rem; color: var(--ink-soft); }
.faq-list .faq-body p:last-child { margin-bottom: 0; }

/* ---------- Progressive disclosure: micro-accordion ----------
   Surface the minimum, everything else on request. Used for fee-table
   row explainers, car card "what's included", compare row footnotes. */
.micro-details { margin-top: 0.5rem; }
.micro-details summary {
  list-style: none; cursor: pointer; font-size: 0.82rem; font-weight: 700;
  color: var(--ink-soft); display: inline-flex; align-items: center; gap: 0.3rem;
  transition: transform 0.08s ease, color 0.15s ease;
}
.micro-details summary:hover { color: var(--ink); }
.micro-details summary::-webkit-details-marker { display: none; }
.micro-details summary::after { content: "+ what does this mean?"; }
.micro-details[open] summary::after { content: "– hide"; }
.micro-details[data-label] summary::after { content: "+ " attr(data-label); }
.micro-details[data-label][open] summary::after { content: "– hide"; }
.micro-details summary:active { transform: scale(0.97); transition-duration: 80ms; }
.micro-details .micro-body { font-size: 0.85rem; color: var(--ink-soft); padding-top: 0.5rem; max-width: 46ch; }

/* compare table: tap a row to expand its footnote on mobile */
.compare-table .row-note { display: none; font-size: 0.78rem; color: var(--ink-soft); margin-top: 0.35rem; font-weight: 400; }
@media (max-width: 760px) {
  .compare-table tbody th[data-expandable] { cursor: pointer; }
  .compare-table tbody th[data-expandable]::after { content: " ▾"; color: var(--ink-soft); font-size: 0.75em; }
  .compare-table tbody tr.is-expanded th[data-expandable]::after { content: " ▴"; }
  .compare-table tbody tr.is-expanded .row-note { display: block; }
}

/* ---------- Inline CTA (mid-page conversion prompt) ----------
   A compact, reusable band for breaking up long-form pages so the primary
   action is never more than a screen or two away. Copy is always drawn from
   real, already-published numbers (60 sec check, 9 in 10 approved) — never
   a fabricated stock count or countdown. */
.inline-cta {
  display: flex; align-items: center; justify-content: space-between; gap: 1.4rem;
  background: var(--cream); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(1.3rem, 3.5vw, 1.8rem) clamp(1.4rem, 4vw, 2.2rem);
  margin-block: clamp(2.5rem, 6vw, 4rem);
}
.inline-cta p { margin: 0; font-weight: 700; font-size: 1.05rem; color: var(--ink); }
.inline-cta .inline-cta-sub { display: block; font-weight: 500; font-size: 0.85rem; color: var(--ink-soft); margin-top: 0.25rem; }
.inline-cta .btn { flex-shrink: 0; }
@media (max-width: 640px) {
  .inline-cta { flex-direction: column; align-items: stretch; text-align: center; gap: 1rem; }
  .inline-cta .btn { width: 100%; }
}

/* ---------- Final CTA band ---------- */
.final-cta { text-align: center; }
.final-cta h2 { font-size: clamp(2rem, 4.5vw, 3.4rem); }
.final-cta .lede { margin-inline: auto; margin-bottom: 2rem; }
.final-reassure { margin-top: 1.1rem; font-size: 0.88rem; color: #8fa0b8; }
@media (max-width: 600px) {
  .final-cta > .wrap > .btn { display: flex; width: 100%; max-width: 420px; margin-inline: auto; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #b9c5d8; font-size: 0.9rem; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: clamp(1.4rem, 3vw, 2rem);
  padding-block: clamp(2.4rem, 6vw, 3.5rem) clamp(1.6rem, 4vw, 2.5rem);
}
.site-footer h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 1rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.55rem; }
.site-footer a { color: #b9c5d8; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-legal {
  border-top: 1px solid rgb(255 255 255 / 0.12);
  padding-block: 1.6rem; font-size: 0.78rem; color: #8fa0b8;
}
.footer-legal p { margin-bottom: 0.5em; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Sticky mobile CTA bar ---------- */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  display: none; flex-wrap: wrap; gap: 0.6rem; padding: 0.55rem 1rem 0.7rem;
  padding-bottom: calc(0.7rem + env(safe-area-inset-bottom));
  background: rgb(255 255 255 / 0.97); /* solid fallback */
  box-shadow: 0 -10px 28px rgb(11 28 51 / 0.12), inset 0 1px 0 rgb(255 255 255 / 0.6);
  border-top: 1px solid var(--line);
  transform: translateY(110%); transition: transform 0.28s ease;
}
@supports (backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px)) {
  .sticky-cta {
    background: rgb(255 255 255 / 0.85);
    backdrop-filter: blur(16px) saturate(1.4);
    -webkit-backdrop-filter: blur(16px) saturate(1.4);
  }
}
/* honest reassurance line, not a scarcity claim — generated so every page
   gets it with zero markup changes */
.sticky-cta::before {
  content: "No credit checks · answer in 60 seconds";
  flex: 1 0 100%; text-align: center;
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.01em; color: var(--ink-soft);
}
.sticky-cta.is-visible { transform: translateY(0); }
.sticky-cta .btn { flex: 1; padding-block: 0.85rem; }
.sticky-cta .btn--call { flex: 0 0 auto; }
@media (max-width: 860px) { .sticky-cta { display: flex; } }
body.has-sticky-cta { scroll-padding-bottom: 116px; }
@media (max-width: 860px) { body.has-sticky-cta .site-footer { padding-bottom: 104px; } }
/* one-shot arrival pulse, added by JS the first time the bar becomes visible;
   never repeats on subsequent scroll-triggered toggles */
@media (prefers-reduced-motion: no-preference) {
  .sticky-cta .btn--primary.cta-pulse-once { animation: cta-glow-pulse 1.7s ease-out 1; }
}

/* ---------- Forms (prequalify + apply) ---------- */
.form-shell { max-width: 620px; margin-inline: auto; }
.progress-track {
  height: 10px; border-radius: 999px; background: var(--line); overflow: clip; margin-bottom: 0.5rem;
}
.progress-fill {
  height: 100%; border-radius: 999px; width: 12%;
  background: linear-gradient(90deg, var(--green), color-mix(in srgb, var(--green) 60%, var(--gold)));
  transition: width 0.5s ease;
}
.progress-label { font-size: 0.8rem; color: var(--ink-soft); margin-bottom: 2rem; }
.form-step { display: none; position: relative; }
.form-step.is-active { display: block; }
@media (prefers-reduced-motion: no-preference) {
  .form-step.is-active { animation: step-in 0.35s ease both; }
  @keyframes step-in { from { opacity: 0; transform: translateY(14px); } }
}
/* 150ms "working with you" skeleton between prequalify/apply steps — a brief,
   honest cue that the step changed, not fake loading (the transition really is
   swapping content underneath). Never used on page load. */
.form-shell { position: relative; }
.form-shell.is-transitioning::before {
  content: ""; position: absolute; inset: 0; z-index: 5; background: var(--paper);
}
.form-shell.is-transitioning::after {
  content: ""; position: absolute; top: 6.4rem; left: 0; z-index: 6;
  width: 45%; height: 2.2rem; border-radius: 8px; background: var(--line);
}
@media (prefers-reduced-motion: no-preference) {
  .form-shell.is-transitioning::after {
    background: linear-gradient(90deg, var(--line), color-mix(in srgb, var(--line) 40%, white), var(--line));
    background-size: 200% 100%; animation: skeleton-shimmer-light 0.9s ease-in-out infinite;
  }
  @keyframes skeleton-shimmer-light { to { background-position: -200% 0; } }
}
.form-step h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
.form-step .step-sub { color: var(--ink-soft); margin-bottom: 1.8rem; }
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem; margin-bottom: 1.8rem; }
.option-grid.cols-1 { grid-template-columns: 1fr; }
.option-card { position: relative; }
.option-card input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.option-card .option-label {
  display: flex; align-items: center; gap: 0.9rem;
  border: 2px solid var(--line); border-radius: 14px; padding: 1rem 1.1rem;
  font-weight: 600; cursor: pointer; min-height: 64px;
  transition: border-color 0.15s ease, background-color 0.15s ease, transform 0.08s ease;
}
.option-card:active .option-label { transform: scale(0.97); transition-duration: 80ms; }
.option-card .option-label small { display: block; font-weight: 400; color: var(--ink-soft); font-size: 0.8rem; }
.option-card:has(input:checked) .option-label { border-color: var(--navy); background: var(--cream); }
.option-card:has(input:focus-visible) .option-label { outline: 3px solid var(--accent); outline-offset: 2px; }
@media (max-width: 560px) { .option-grid { grid-template-columns: 1fr; } }

.text-field { margin-bottom: 1.3rem; }
.text-field label { display: block; font-weight: 700; font-size: 0.92rem; margin-bottom: 0.45rem; }
.text-field input, .text-field select, .text-field textarea {
  width: 100%; font: inherit; padding: 0.9rem 1rem;
  border: 2px solid var(--line); border-radius: 12px; background: var(--paper);
  transition: border-color 0.15s ease;
}
.text-field input:focus, .text-field select:focus, .text-field textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgb(11 28 51 / 0.08);
}
.text-field input:user-valid { border-color: var(--green); }
.text-field input:user-invalid { border-color: #c8402e; }
.field-error { display: none; color: #c8402e; font-size: 0.82rem; margin-top: 0.35rem; }
.text-field input:user-invalid ~ .field-error { display: block; }
.form-nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 2rem; }
.form-nav .btn--back { background: none; border: 0; color: var(--ink-soft); font-weight: 600; cursor: pointer; font-size: 0.95rem; }
.form-nav .btn--back:hover { color: var(--ink); }
@media (max-width: 600px) {
  /* thumb-first: the forward action reads first and spans the full width,
     Back demotes to a small centred text link underneath it */
  .form-nav { flex-direction: column-reverse; align-items: stretch; gap: 0.9rem; }
  .form-nav .btn { width: 100%; }
  .form-nav .btn--back { align-self: center; padding: 0.4rem; }
}
.form-reassure {
  display: flex; gap: 0.6rem; align-items: flex-start;
  background: var(--green-soft); border-radius: 12px; padding: 0.9rem 1.1rem;
  font-size: 0.88rem; margin-top: 1.6rem;
}
.form-reassure .tick { color: var(--green); flex-shrink: 0; margin-top: 0.1rem; }

/* result screen */
.result-panel { text-align: center; padding-block: 1rem; }
.result-badge {
  width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 1.4rem;
  display: grid; place-items: center; background: var(--green-soft); color: var(--green);
}
@media (prefers-reduced-motion: no-preference) {
  .result-badge { animation: pop-in 0.5s cubic-bezier(0.2, 1.4, 0.4, 1) both; }
  @keyframes pop-in { from { transform: scale(0.4); opacity: 0; } }
}
.result-panel .lede { margin-inline: auto; }

/* interstitial encouragement */
.interstitial-note {
  background: var(--green-soft); border-radius: var(--radius);
  padding: 1.3rem 1.5rem; margin-bottom: 1.8rem;
  display: flex; gap: 0.8rem; align-items: flex-start; font-weight: 600;
}

/* ---------- Content pages ---------- */
.page-hero {
  position: relative; overflow: clip; isolation: isolate;
  padding-block: clamp(3rem, 6vw, 5rem) clamp(2rem, 4vw, 3rem);
  background:
    linear-gradient(rgb(247 245 240 / 0.72), rgb(247 245 240 / 0.72)),
    url('../assets/img/bg-sunrise-road.webp') center 70% / cover no-repeat,
    var(--cream);
}
.page-hero > .wrap { position: relative; z-index: 1; }
.page-hero::before {
  content: ""; position: absolute; z-index: 0; top: -30%; right: -6%;
  width: min(40vw, 460px); height: min(40vw, 460px);
  background: radial-gradient(closest-side, rgb(255 176 84 / 0.16), transparent 72%);
  border-radius: 42% 58% 63% 37% / 41% 44% 56% 59%;
  filter: blur(20px); pointer-events: none;
}
@media (prefers-reduced-motion: no-preference) {
  .page-hero::before { animation: aurora-drift-a 80s ease-in-out infinite; }
}
.page-hero .lede { max-width: 56ch; }
/* Brisbane city page: swap the shared page-hero photography for the local skyline motif, same contrast-protecting tint */
.hero--brisbane .page-hero {
  background:
    linear-gradient(rgb(247 245 240 / 0.74), rgb(247 245 240 / 0.74)),
    url('../assets/img/motif-brisbane-skyline.webp') center 75% / cover no-repeat,
    var(--cream);
}
.prose { max-width: 720px; }
.prose h2 { margin-top: 2.2em; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 4vw, 3.5rem); align-items: start; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }

/* comparison table */
.compare-table-wrap { overflow-x: auto; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.93rem; min-width: 640px; }
.compare-table th, .compare-table td { padding: 0.9rem 1rem; text-align: left; border-bottom: 1px solid var(--line); }
.compare-table thead th { font-family: var(--font-display); font-size: 1rem; }
.compare-table thead th.us { background: var(--navy); color: #fff; border-radius: 12px 12px 0 0; }
.compare-table tbody td.us { background: var(--cream); font-weight: 600; }
.compare-table .tick { color: var(--green); }
.compare-table .cross { color: #c8402e; }

/* ---------- Reveal animations (opt-in) ---------- */
html.js .reveal { opacity: 1; }
@media (prefers-reduced-motion: no-preference) {
  html.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.55s ease, transform 0.55s ease; }
  html.js .reveal.is-visible { opacity: 1; transform: none; }
  html.js .reveal-stagger > * { opacity: 0; transform: translateY(22px); transition: opacity 0.5s ease, transform 0.5s ease; }
  html.js .reveal-stagger.is-visible > * { opacity: 1; transform: none; }
  html.js .reveal-stagger.is-visible > *:nth-child(2) { transition-delay: 0.08s; }
  html.js .reveal-stagger.is-visible > *:nth-child(3) { transition-delay: 0.16s; }
  html.js .reveal-stagger.is-visible > *:nth-child(4) { transition-delay: 0.24s; }
  html.js .reveal-stagger.is-visible > *:nth-child(5) { transition-delay: 0.32s; }
  html.js .reveal-stagger.is-visible > *:nth-child(6) { transition-delay: 0.40s; }
}

/* scroll progress (enhancement, Chrome/Edge/Safari) */
@supports (animation-timeline: scroll()) {
  @media (prefers-reduced-motion: no-preference) {
    .scroll-progress {
      position: fixed; top: 0; left: 0; height: 3px; width: 100%; z-index: 110;
      background: var(--accent); transform-origin: 0 50%; transform: scaleX(0);
      animation: grow-progress linear both;
      animation-timeline: scroll(root);
    }
    @keyframes grow-progress { to { transform: scaleX(1); } }
  }
}

/* cross-document view transitions (enhancement) */
@view-transition { navigation: auto; }
@media (prefers-reduced-motion: reduce) {
  @view-transition { navigation: none; }
}

/* ---------- Reduced motion hard fallback ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.section-head { margin-bottom: clamp(1.6rem, 4vw, 3.2rem); }
@media (max-width: 700px) {
  /* tighter vertical rhythm throughout: less scroll between the pitch and the button */
  h1 { margin-bottom: 0.5em; }
  .hero-copy .lede { margin-block: 0.9rem 1.3rem; }
  .lede { font-size: clamp(1rem, 1vw + 0.85rem, 1.15rem); }
  .honest-panel { padding: clamp(1.3rem, 4vw, 1.8rem); }
}
.visually-hidden {
  position: absolute; width: 1px; height: 1px; margin: -1px;
  clip-path: inset(50%); overflow: hidden; white-space: nowrap;
}

/* ============================================================
   WHY NOT — animated groovy wordmark (header + hero)
   ============================================================ */
.wn-mark{
  --wn-navy:#0b1c33; --wn-navy-deep:#071426;
  --wn-otop:#ffd06a; --wn-ohi:#ffa838; --wn-o:#ff8a1e; --wn-odeep:#fb7d12;
  --wn-cream:#fff3d8; --wn-speed:2.55s;
  display:inline-flex; align-items:flex-end; justify-content:center;
  gap:.02em; white-space:nowrap; line-height:.74; letter-spacing:-.058em;
  font-family:"Modak","Bagel Fat One",system-ui,sans-serif;
  user-select:none; -webkit-user-select:none;
}
.wn-word{ display:inline-flex; white-space:nowrap; }
.wn-word + .wn-word{ margin-left:.12em; }
.wn-letter{
  position:relative; display:inline-block;
  transform:rotate(var(--r,0deg)) translateY(var(--y,0)) scaleX(var(--sx,1));
  margin:0 -.01em; padding:.03em;
}
.wn-nudge{
  position:relative; display:inline-block;
  transform:translate3d(var(--mx,0px),var(--my,0px),0) rotate(var(--mr,0deg)) scale(var(--ms,1));
  transition:transform 110ms cubic-bezier(.22,.75,.28,1); will-change:transform;
}
.wn-jiggle{
  position:relative; display:inline-block; transform-origin:50% 78%;
  animation:wn-soft-jiggle var(--wn-speed) ease-in-out infinite; animation-delay:var(--delay,0s);
  will-change:transform;
}
.wn-letter.is-active .wn-jiggle,
.wn-letter.poked .wn-jiggle{ animation:wn-poke .74s cubic-bezier(.2,.75,.25,1) both; }
.wn-rim,.wn-body{ display:block; font:inherit; line-height:inherit; }
.wn-rim{
  position:relative; z-index:0; color:var(--wn-navy);
  -webkit-text-stroke:.13em var(--wn-navy);
  text-shadow:.018em .018em 0 var(--wn-navy-deep), -.008em .014em 0 var(--wn-navy-deep);
}
.wn-body{
  position:absolute; inset:0; z-index:1; color:transparent;
  background:linear-gradient(180deg,var(--wn-otop) 0%,var(--wn-ohi) 28%,var(--wn-o) 62%,var(--wn-odeep) 100%);
  -webkit-background-clip:text; background-clip:text;
  -webkit-text-stroke:.042em var(--wn-cream);
}
@keyframes wn-soft-jiggle{
  0%,100%{transform:scale(1,1) skewX(0deg) rotate(0deg);}
  18%{transform:scale(1.04,.96) skewX(-2.2deg) rotate(-.45deg);}
  38%{transform:scale(.97,1.03) skewX(1.65deg) rotate(.28deg);}
  58%{transform:scale(1.024,.982) skewX(-1deg) rotate(-.16deg);}
  78%{transform:scale(.992,1.012) skewX(.55deg) rotate(.08deg);}
}
@keyframes wn-poke{
  0%{transform:scale(1,1) skewX(0deg) rotate(0deg);}
  13%{transform:scale(1.28,.72) skewX(-10deg) rotate(-2deg);}
  30%{transform:scale(.76,1.22) skewX(8deg) rotate(1.6deg);}
  48%{transform:scale(1.15,.86) skewX(-5deg) rotate(-1deg);}
  64%{transform:scale(.94,1.08) skewX(2.4deg) rotate(.5deg);}
  82%{transform:scale(1.035,.965) skewX(-1deg) rotate(-.2deg);}
  100%{transform:scale(1,1) skewX(0deg) rotate(0deg);}
}
/* header — mark only, sits in the nav bar */
.site-header .logo{ align-items:center; gap:0; }
.wn-mark--sm{ font-size:2.2rem; filter:drop-shadow(.012em .022em 0 rgba(7,20,38,.18)); }
@media (max-width:700px){ .wn-mark--sm{ font-size:2.6rem; } }
/* hero — big brand centrepiece above the headline */
.hero-wordmark{ margin-bottom:.5rem; line-height:1; }
.wn-mark--hero{
  font-size:clamp(3rem,7vw,5.4rem); transform:rotate(-1.4deg);
  filter:drop-shadow(.018em .035em 0 rgba(7,20,38,.18));
}
@media (max-width:700px){ .wn-mark--hero{ font-size:clamp(2.7rem,13vw,4rem); } }
@media (prefers-reduced-motion:reduce){
  .wn-jiggle{ animation:none; }
  .wn-nudge{ transition:none; }
}

/* inline mark — lives inside the hero headline */
.wn-mark--inline{
  font-size:1.35em;
  vertical-align:-.12em;
  margin:0 .16em;
  letter-spacing:-.05em;
  filter:drop-shadow(.012em .02em 0 rgba(7,20,38,.16));
}

/* enlarge the front-page hero headline (header logo size unchanged) */
.hero h1{ font-size:clamp(2.5rem,6.6vw,5rem); line-height:1.2; }

/* mobile-only: much bigger hero (desktop stays as before) */
@media (max-width:700px){
  .hero h1{ font-size:clamp(3.8rem,14vw,5.6rem); line-height:1.24; }
  .wn-mark--inline{ font-size:1.32em; margin:0 .13em 0 .05em; }
}

/* grab-and-drag stretch on the interactive Why Not mark */
.wn-mark--interactive .wn-letter{ touch-action:none; cursor:grab; }
.wn-mark--interactive .wn-letter:active{ cursor:grabbing; }