/* ============================================================
   DHANK FINANCE — styles.css (v10)
   Dark arctic identity: deep night blues, ice text, teal glow.
   Tokens below are a public contract — apply/resources/form.css
   and the outcome pages consume them by name. Do not rename.
   ============================================================ */

:root {
  /* --- contract tokens (consumed by apply/* pages) --- */
  --font: "Kanit", system-ui, -apple-system, "Segoe UI", sans-serif;
  --bg: #0E0E0E;
  --bg-soft: #161616;
  --card: #232323;
  --card-hi: #2C2C2C;
  --ink: #FFFFFF;
  --muted: #A3A3A3;
  --muted-2: #6E6E6E;
  --placeholder: #8A8A8A;
  --line: rgba(255, 255, 255, .10);
  --line-soft: rgba(255, 255, 255, .06);
  --primary: #00AAAE;
  --primary-deep: #008A8D;
  --accent: #00AAAE;
  --accent-bright: #00AAAE;
  --accent-soft: rgba(0, 170, 174, .14);
  --danger: #EF233C;
  --dot: rgba(0, 170, 174, .4);

  --paper: #FFFFFF;
  --paper-ink: #0E0E0E;
  --paper-muted: #5C5C5C;
  --paper-field: #F4F4F4;
  --paper-line: #E6E6E6;

  --radius-sheet: 40px;
  --radius-card: 28px;
  --radius-ctl: 999px;
  --shadow-soft: 0 12px 40px rgba(0, 0, 0, .45);
  --shadow-lift: 0 24px 70px rgba(0, 0, 0, .55);
  /* --- legacy aliases used by standalone outcome pages --- */
  --void: #0E0E0E;
  --coal: #232323;
  --teal: #00AAAE;
  --teal-bright: #00AAAE;
  --gray: #A3A3A3;
  --white: #FFFFFF;

  /* --- marketing-page-only tokens --- */
  --bg-deep: #0E0E0E;
  --ice: #FFFFFF;
  --glow: rgba(0, 170, 174, .25);
}

* { box-sizing: border-box; -webkit-tap-highlight-color: transparent; }
html { scroll-behavior: smooth; overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font);
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img { max-width: 100%; }
a { color: var(--accent-bright); }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
::selection { background: rgba(0, 184, 178, .35); color: #fff; }

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 28px; border-radius: 999px;
  font: 600 1rem/1 var(--font); letter-spacing: .01em;
  text-decoration: none; cursor: pointer; border: 0;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease;
  white-space: nowrap;
}
.btn:active { transform: scale(.97); }
.btn-lg { padding: 18px 36px; font-size: 1.06rem; }
.btn-solid {
  background: linear-gradient(135deg, #12D6C9 0%, #00A8A8 55%, #07888B 100%);
  color: #03272A;
  box-shadow: 0 10px 30px rgba(0, 184, 178, .35), inset 0 1px 0 rgba(255,255,255,.35);
}
.btn-solid:hover { transform: translateY(-2px); box-shadow: 0 16px 44px rgba(0, 184, 178, .5), inset 0 1px 0 rgba(255,255,255,.35); }
.btn-ghost {
  background: transparent; color: var(--ink);
  border: 1px solid var(--line);
}
.btn-ghost:hover { border-color: rgba(69, 227, 198, .55); color: var(--accent-bright); transform: translateY(-2px); }

/* ---------------- Nav ---------------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(8, 19, 22, .72);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line-soft);
}
.nav .wrap { display: flex; align-items: center; gap: 28px; height: 76px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.logo-chip {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 14px;
  background: linear-gradient(150deg, #12D6C9, #067A76);
  box-shadow: 0 8px 22px rgba(0, 184, 178, .35), inset 0 1px 0 rgba(255,255,255,.3);
  overflow: hidden;
}
.logo-img { display: block; width: 44px; height: 44px; object-fit: contain; }
.nav-links { display: flex; gap: 6px; margin-left: 12px; }
.nav-links a {
  color: var(--muted); text-decoration: none; font-weight: 500; font-size: .95rem;
  padding: 9px 16px; border-radius: 999px; transition: color .2s, background .2s;
}
.nav-links a:hover { color: var(--ink); background: var(--accent-soft); }
.nav-cta { margin-left: auto; }
.nav-cta .btn { padding: 12px 24px; }

/* ---------------- Hero ---------------- */
.hero { position: relative; padding: 88px 0 96px; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(640px 420px at 82% -10%, rgba(0, 184, 178, .18), transparent 65%),
    radial-gradient(520px 380px at -8% 30%, rgba(69, 227, 198, .1), transparent 60%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image:
    linear-gradient(rgba(147, 173, 176, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(147, 173, 176, .05) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(720px 520px at 60% 10%, #000 0%, transparent 75%);
  -webkit-mask-image: radial-gradient(720px 520px at 60% 10%, #000 0%, transparent 75%);
}
.hero-grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.08fr .92fr; gap: 64px; align-items: center;
}
.kicker {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 18px; border-radius: 999px;
  background: var(--accent-soft); border: 1px solid rgba(0, 184, 178, .3);
  color: var(--accent-bright); font-size: .82rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
}
.kicker::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--accent-bright); box-shadow: 0 0 10px var(--accent-bright); }
.hero h1 {
  margin: 22px 0 0; font-size: clamp(2.5rem, 5.2vw, 3.9rem);
  line-height: 1.06; font-weight: 700; letter-spacing: -.02em;
}
.hl { position: relative; color: var(--accent-bright); white-space: nowrap; }
.hl svg { position: absolute; left: 0; right: 0; bottom: -.14em; width: 100%; height: .3em; }
.hl svg path { fill: none; stroke: var(--primary); stroke-width: 5; stroke-linecap: round; opacity: .85; }
.sub { margin: 22px 0 0; font-size: 1.13rem; color: var(--muted); max-width: 30em; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.trust-row {
  display: flex; flex-wrap: wrap; gap: 10px 26px; margin: 38px 0 0; padding: 0; list-style: none;
}
.trust-row li { display: flex; align-items: center; gap: 9px; font-size: .9rem; color: var(--muted); font-weight: 500; }
.trust-row svg { width: 19px; height: 19px; fill: none; stroke: var(--accent-bright); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* ---- interactive builder card ---- */
.hero-visual { position: relative; }
.builder {
  position: relative;
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: 30px;
  padding: 30px 30px 28px; box-shadow: var(--shadow-lift);
}
.builder::before {
  content: ""; position: absolute; inset: -1px; border-radius: 30px; padding: 1px;
  background: linear-gradient(150deg, rgba(69,227,198,.5), transparent 35%, transparent 65%, rgba(0,170,174,.4));
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none;
}
.b-label { font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.b-amount {
  margin-top: 8px; font-size: 3rem; font-weight: 700; letter-spacing: -.02em; line-height: 1;
  background: linear-gradient(120deg, #EAF6FA, #45E3C6);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.b-slider { margin-top: 24px; }
.b-slider input[type=range] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 999px; outline: none;
  background: linear-gradient(90deg, var(--primary) var(--fill, 30%), #1C343A var(--fill, 30%));
  cursor: pointer;
}
.b-slider input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: #EAF6FA; border: 5px solid var(--primary);
  box-shadow: 0 4px 14px rgba(0, 184, 178, .55); cursor: grab;
}
.b-slider input[type=range]::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%;
  background: #EAF6FA; border: 5px solid var(--primary);
  box-shadow: 0 4px 14px rgba(0, 184, 178, .55); cursor: grab;
}
.b-range { display: flex; justify-content: space-between; margin-top: 10px; font-size: .82rem; color: var(--muted-2); font-weight: 600; }
.b-chips { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 20px; }
.b-chip {
  padding: 9px 18px; border-radius: 999px; border: 1px solid var(--line);
  background: transparent; color: var(--muted);
  font: 600 .9rem/1 var(--font); cursor: pointer; transition: all .2s;
}
.b-chip:hover { border-color: rgba(69, 227, 198, .5); color: var(--ink); }
.b-chip.on {
  background: var(--accent-soft); border-color: var(--primary);
  color: var(--accent-bright); box-shadow: 0 0 0 1px var(--primary) inset;
}
.b-points { margin: 24px 0 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.b-points li { display: flex; align-items: center; gap: 11px; font-size: .93rem; color: var(--muted); }
.b-points .pt {
  flex: none; width: 24px; height: 24px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--accent-soft); border: 1px solid rgba(0,184,178,.35);
}
.b-points .pt svg { width: 13px; height: 13px; fill: none; stroke: var(--accent-bright); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.b-go { width: 100%; margin-top: 26px; }

/* ---------------- Stats band ---------------- */
.stats { position: relative; z-index: 1; padding: 0 0 84px; }
.stats-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
  background: linear-gradient(160deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: var(--radius-card);
  padding: 34px 40px; box-shadow: var(--shadow-soft);
}
.stat { text-align: center; }
.stat b {
  display: block; font-size: 2.1rem; font-weight: 700; letter-spacing: -.02em; line-height: 1.1;
  background: linear-gradient(120deg, #EAF6FA, #45E3C6);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.stat span { display: block; margin-top: 6px; font-size: .86rem; color: var(--muted); }

/* ---------------- Marquee ---------------- */
.marquee {
  position: relative; overflow: hidden; padding: 22px 0;
  background: #050D10; border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft);
  transform: rotate(-1.2deg) scale(1.02); margin: 8px 0 10px;
}
.marquee-track { display: flex; width: max-content; animation: mq 30s linear infinite; }
.marquee-track span {
  display: inline-flex; align-items: center; gap: 16px; padding: 0 28px;
  font-weight: 600; font-size: 1rem; letter-spacing: .04em; color: var(--muted); white-space: nowrap;
}
.marquee-track span::after { content: "✦"; color: var(--primary); font-size: .8em; }
@keyframes mq { to { transform: translateX(-50%); } }

/* ---------------- Sections ---------------- */
.section { padding: 96px 0; position: relative; }
.section-head { max-width: 640px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { margin: 18px 0 0; font-size: clamp(1.9rem, 3.4vw, 2.6rem); letter-spacing: -.02em; line-height: 1.12; }
.section-head p { margin: 16px 0 0; color: var(--muted); font-size: 1.05rem; }

/* ---- how it works: tilted timeline ---- */
.timeline { position: relative; max-width: 900px; margin: 0 auto; }
.timeline::before {
  content: ""; position: absolute; left: 50%; top: 40px; bottom: 40px; width: 2px;
  background-image: linear-gradient(var(--line) 55%, transparent 0); background-size: 2px 14px;
  transform: translateX(-50%);
}
.tl-step {
  position: relative; display: grid; grid-template-columns: 1fr 96px 1fr; align-items: center;
  padding: 30px 0;
}
.tl-num {
  grid-column: 2; justify-self: center; z-index: 1;
  width: 76px; height: 76px; border-radius: 24px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem; font-weight: 700; letter-spacing: -.02em;
  background: linear-gradient(150deg, #12D6C9, #067A76); color: #03272A;
  transform: rotate(-6deg);
  box-shadow: 0 14px 34px rgba(0, 184, 178, .4), inset 0 1px 0 rgba(255,255,255,.35);
}
.tl-step:nth-child(even) .tl-num { transform: rotate(6deg); }
.tl-body { background: linear-gradient(165deg, var(--card-hi), var(--card)); border: 1px solid var(--line); border-radius: var(--radius-card); padding: 28px 30px; box-shadow: var(--shadow-soft); }
.tl-step:nth-child(odd) .tl-body { grid-column: 1; text-align: right; }
.tl-step:nth-child(even) .tl-body { grid-column: 3; }
.tl-body h3 { margin: 0 0 8px; font-size: 1.22rem; letter-spacing: -.01em; display: flex; align-items: center; gap: 10px; }
.tl-step:nth-child(odd) .tl-body h3 { justify-content: flex-end; }
.tl-body h3 svg { width: 22px; height: 22px; fill: none; stroke: var(--accent-bright); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.tl-body p { margin: 0; color: var(--muted); font-size: .96rem; }

/* ---------------- Features ---------------- */
.feat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.feat {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: var(--radius-card);
  padding: 30px 26px; transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.feat:hover { transform: translateY(-6px); border-color: rgba(69, 227, 198, .45); box-shadow: var(--shadow-lift); }
.ft-ico {
  width: 54px; height: 54px; border-radius: 18px;
  display: flex; align-items: center; justify-content: center;
  background: var(--accent-soft); border: 1px solid rgba(0, 184, 178, .3);
  transition: background .3s;
}
.feat:hover .ft-ico { background: linear-gradient(150deg, #12D6C9, #067A76); }
.ft-ico svg { width: 25px; height: 25px; fill: none; stroke: var(--accent-bright); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: stroke .3s; }
.feat:hover .ft-ico svg { stroke: #03272A; }
.feat h3 { margin: 20px 0 8px; font-size: 1.1rem; letter-spacing: -.01em; }
.feat p { margin: 0; color: var(--muted); font-size: .92rem; }

/* ---------------- Split (eligibility + terms) ---------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: stretch; }
.panel {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: 30px; padding: 36px 38px; box-shadow: var(--shadow-soft);
}
.panel h3 { margin: 0 0 18px; font-size: 1.35rem; letter-spacing: -.01em; }
.check-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 14px; }
.check-list li { display: flex; gap: 12px; color: var(--muted); font-size: .97rem; }
.check-list .ck {
  flex: none; width: 24px; height: 24px; margin-top: 1px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--accent-soft); border: 1px solid rgba(0,184,178,.35);
}
.check-list .ck svg { width: 12px; height: 12px; fill: none; stroke: var(--accent-bright); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }
.term-card { background: linear-gradient(160deg, rgba(0,184,178,.16), rgba(0,184,178,.05)); border-color: rgba(0,184,178,.3); }
.term-rows { display: grid; gap: 0; }
.term-row { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line-soft); font-size: .95rem; }
.term-row:last-child { border-bottom: 0; }
.term-row span { color: var(--muted); }
.term-row b { color: var(--ink); font-weight: 600; text-align: right; }

/* ---------------- Quotes ---------------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.quote {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: var(--radius-card);
  padding: 30px 28px; display: flex; flex-direction: column; gap: 18px;
  transition: transform .3s ease, border-color .3s ease;
}
.quote:hover { transform: translateY(-4px); border-color: rgba(69, 227, 198, .4); }
.quote .q-mark { font-size: 2.4rem; line-height: .8; font-weight: 700; color: var(--primary); opacity: .8; }
.quote p { margin: 0; color: var(--ink); font-size: .99rem; flex: 1; }
.quote .q-who { display: flex; align-items: center; gap: 12px; }
.quote .q-ava {
  width: 42px; height: 42px; border-radius: 50%; flex: none;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .78rem; letter-spacing: .03em; color: #03272A; line-height: 1;
  background: linear-gradient(150deg, #12D6C9, #067A76);
}
.quote .q-who b { display: block; font-size: .93rem; }
.quote .q-who span { display: block; font-size: .8rem; color: var(--muted-2); }
.q-stars { display: flex; gap: 2px; }
.q-stars svg { width: 15px; height: 15px; fill: var(--accent-bright); }

/* ---------------- FAQ ---------------- */
.faq { max-width: 780px; margin: 0 auto; display: grid; gap: 12px; }
.faq details {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: 18px;
  padding: 4px 24px; transition: border-color .25s;
}
.faq details[open] { border-color: rgba(69, 227, 198, .4); }
.faq summary {
  list-style: none; cursor: pointer; position: relative;
  padding: 18px 40px 18px 0; font-weight: 600; font-size: 1.02rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 4px; top: 50%; width: 10px; height: 10px;
  border-right: 2px solid var(--accent-bright); border-bottom: 2px solid var(--accent-bright);
  transform: translateY(-70%) rotate(45deg); transition: transform .25s;
}
.faq details[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq details p { margin: 0 0 18px; color: var(--muted); font-size: .95rem; }

/* ---------------- Legal card + disclosure ---------------- */
.legal-card {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: var(--radius-card);
  padding: 32px 36px;
}
.legal-card h3 { margin: 0 0 12px; font-size: 1.2rem; }
.legal-card p { margin: 0; color: var(--muted); font-size: .93rem; }
.disclosure { max-width: 760px; margin: 18px auto 0; border: 1px dashed var(--line); border-radius: 18px; padding: 4px 24px; }
.disclosure summary { cursor: pointer; padding: 14px 0; font-weight: 600; font-size: .92rem; color: var(--muted); list-style: none; }
.disclosure summary::-webkit-details-marker { display: none; }
.disclosure-body { margin: 0 0 18px; color: var(--muted-2); font-size: .86rem; line-height: 1.7; }

/* ---------------- CTA ---------------- */
.cta-band { padding: 40px 0 110px; }
.cta-inner {
  position: relative; overflow: hidden; text-align: center;
  border-radius: 36px; padding: 74px 40px;
  background:
    radial-gradient(480px 300px at 80% -20%, rgba(69, 227, 198, .28), transparent 65%),
    radial-gradient(420px 280px at 10% 120%, rgba(0, 170, 174, .3), transparent 65%),
    linear-gradient(160deg, #0E262B, #081A1D);
  border: 1px solid rgba(0, 184, 178, .35);
  box-shadow: var(--shadow-lift);
}
.cta-inner::before {
  content: ""; position: absolute; inset: 0; opacity: .4; pointer-events: none;
  background-image:
    linear-gradient(rgba(147, 173, 176, .07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(147, 173, 176, .07) 1px, transparent 1px);
  background-size: 44px 44px;
}
.cta-inner h2 { position: relative; margin: 0; font-size: clamp(1.9rem, 3.6vw, 2.7rem); letter-spacing: -.02em; }
.cta-inner p { position: relative; margin: 16px auto 0; max-width: 34em; color: #A9C4C7; font-size: 1.05rem; }
.cta-inner .btn { position: relative; margin-top: 32px; }

/* ---------------- Footer ---------------- */
.footer { background: #050D10; border-top: 1px solid var(--line-soft); padding: 70px 0 34px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
.footer h4 { margin: 0 0 18px; font-size: .82rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #6E8B8E; }
.footer p { margin: 18px 0 0; color: #8FA6A8; font-size: .92rem; max-width: 32em; }
.footer address { font-style: normal; color: #8FA6A8; font-size: .92rem; line-height: 1.8; }
.footer address a, .footer ul a { color: #B7D2D5; text-decoration: none; transition: color .2s; }
.footer address a:hover, .footer ul a:hover { color: var(--accent-bright); }
.footer ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 11px; }
.footer ul a { font-size: .93rem; }
.footer-bottom {
  margin-top: 54px; padding-top: 26px; border-top: 1px solid var(--line-soft);
  color: #5F7A7D; font-size: .83rem; line-height: 1.7;
}

/* ---------------- Inner (legal) pages ---------------- */
.page-main { padding: 64px 0 100px; }
.page-card {
  background: linear-gradient(165deg, var(--card-hi), var(--card));
  border: 1px solid var(--line); border-radius: var(--radius-card);
  padding: 46px 52px; box-shadow: var(--shadow-soft);
}
.page-card h1 { margin: 0 0 8px; font-size: clamp(1.7rem, 3vw, 2.3rem); letter-spacing: -.02em; }
.page-card h2 { margin: 38px 0 12px; font-size: 1.25rem; }
.page-card h3 { margin: 28px 0 10px; font-size: 1.05rem; }
.page-card p, .page-card li { color: var(--muted); font-size: .96rem; }
.page-card ul, .page-card ol { padding-left: 22px; }
.updated { display: block; margin-bottom: 26px; color: var(--muted-2); font-size: .85rem; }

/* ---------------- Reveal ---------------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------------- Responsive ---------------- */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .feat-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(2, 1fr); gap: 28px; }
  .quotes { grid-template-columns: 1fr; }
  .timeline::before { left: 38px; }
  .tl-step { grid-template-columns: 76px 1fr; gap: 20px; padding: 18px 0; }
  .tl-num { grid-column: 1; grid-row: 1; }
  .tl-step .tl-body { grid-column: 2 !important; text-align: left !important; }
  .tl-step .tl-body h3 { justify-content: flex-start !important; }
  .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .nav-links { display: none; }
}
@media (max-width: 560px) {
  .hero { padding: 56px 0 64px; }
  .hero h1 { font-size: 2.3rem; }
  .hl { white-space: normal; }
  .section { padding: 64px 0; }
  .feat-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: repeat(2, 1fr); padding: 26px 20px; }
  .b-amount { font-size: 2.4rem; }
  .page-card { padding: 30px 24px; }
  .builder { padding: 24px 22px; }
}

/* ---------------- Header actions (inner pages) ---------------- */
body:not(.home-dhank) .header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-left: auto;
  flex: none;
}
body:not(.home-dhank) .header-apply,
body:not(.home-dhank) .header-app,
body:not(.home-dhank) .menu-apply,
body:not(.home-dhank) .menu-store {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  font-family: inherit;
  font-weight: 400;
  line-height: 1;
  text-decoration: none;
  white-space: nowrap;
  box-shadow: none;
  cursor: pointer;
}
body:not(.home-dhank) .header-apply,
body:not(.home-dhank) .menu-apply {
  border: 0;
  background: #00AAAE;
  color: #fff;
}
body:not(.home-dhank) .header-apply:hover,
body:not(.home-dhank) .menu-apply:hover { background: #008A8D; }
body:not(.home-dhank) .header-apply {
  height: 44px;
  padding: 0 20px;
  font-size: 15px;
}
body:not(.home-dhank) .header-apply .apply-short { display: none; }
body:not(.home-dhank) .header-app {
  gap: 8px;
  height: 44px;
  padding: 0 18px;
  border: 1px solid rgba(255, 255, 255, .24);
  background: transparent;
  color: #fff;
  font-size: 15px;
}
body:not(.home-dhank) .header-app:hover { border-color: #00AAAE; }
body:not(.home-dhank) .header-app svg,
body:not(.home-dhank) .menu-store svg { flex: none; display: block; }
body:not(.home-dhank) .burger {
  display: none;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: transparent;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  cursor: pointer;
  flex: none;
}
body:not(.home-dhank) .burger span {
  display: block;
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: #fff;
}
body:not(.home-dhank) .nav-menu {
  position: fixed;
  inset: 0;
  z-index: 70;
  display: flex;
  flex-direction: column;
  padding: 18px 24px 28px;
  background: var(--bg);
  overflow: auto;
}
body:not(.home-dhank) .nav-menu[hidden] { display: none; }
body:not(.home-dhank) .menu-top { display: flex; justify-content: flex-end; }
body:not(.home-dhank) .menu-close {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .3);
  background: transparent;
  color: #fff;
  display: grid;
  place-items: center;
  cursor: pointer;
  padding: 0;
}
body:not(.home-dhank) .menu-kicker {
  margin: 28px 0 6px;
  font-size: 14px;
  font-weight: 400;
  line-height: 1.4;
  color: var(--muted);
}
body:not(.home-dhank) .menu-lead {
  margin: 0 0 28px;
  font-size: 16px;
  font-weight: 300;
  color: #fff;
}
body:not(.home-dhank) .menu-links { display: grid; gap: 10px; }
body:not(.home-dhank) .menu-links a {
  display: flex;
  align-items: center;
  height: 56px;
  padding: 0 24px;
  border-radius: 999px;
  background: var(--card);
  color: #fff;
  font-size: 17px;
  font-weight: 400;
  text-decoration: none;
}
body:not(.home-dhank) .menu-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
  width: 100%;
  margin-top: auto;
}
body:not(.home-dhank) .menu-apply,
body:not(.home-dhank) .menu-store {
  width: 100%;
  height: 56px;
}
body:not(.home-dhank) .menu-apply { font-size: 15px; padding: 0 20px; }
body:not(.home-dhank) .menu-store {
  gap: 10px;
  padding: 0 22px 0 18px;
  border: 0;
  background: #fff;
  color: #0E0E0E;
}
body:not(.home-dhank) .menu-store .store-copy {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1;
}
body:not(.home-dhank) .menu-store small {
  font-size: 11px;
  font-weight: 400;
  line-height: 1.15;
}
body:not(.home-dhank) .menu-store strong {
  font-size: 18px;
  font-weight: 500;
  line-height: 1.1;
}
body:not(.home-dhank) .header-apply:focus-visible,
body:not(.home-dhank) .header-app:focus-visible,
body:not(.home-dhank) .menu-apply:focus-visible,
body:not(.home-dhank) .menu-store:focus-visible,
body:not(.home-dhank) .burger:focus-visible,
body:not(.home-dhank) .menu-close:focus-visible {
  outline: 2px solid #00AAAE;
  outline-offset: 3px;
}
html.menu-open,
html.menu-open body { overflow: hidden; }

@media (max-width: 960px) {
  body:not(.home-dhank) .header-app { display: none; }
  body:not(.home-dhank) .header-actions .apply-full { display: none; }
  body:not(.home-dhank) .header-actions .apply-short { display: inline; }
  body:not(.home-dhank) .header-actions .header-apply {
    height: 36px;
    padding: 0 14px;
    font-size: 14px;
  }
  body:not(.home-dhank) .burger { display: inline-flex; }
}