/* ==========================================================================
   Helvetica Credit Investment AG — Design System
   Palette: Light Red #E8555A · Dark Red #C0393E · Charcoal #141416 · Off White #F7F5F3 · Gold #B8965A
   ========================================================================== */

:root {
  --red: #E8555A;
  --red-dark: #C0393E;
  --red-soft: #FBE9EA;
  --charcoal: #141416;
  --charcoal-2: #1E1E22;
  --charcoal-3: #2A2A30;
  --offwhite: #F7F5F3;
  --white: #FFFFFF;
  --gold: #B8965A;
  --gold-soft: #F4EEE2;
  --ink: #1B1B1F;
  --ink-2: #45454D;
  --ink-3: #7A7A85;
  --line: #E6E2DD;
  --line-2: #D8D3CC;
  --green: #2E8B57;
  --green-soft: #E6F4EC;
  --amber: #C98A1B;
  --amber-soft: #FBF1DC;
  --blue: #2F5D9E;
  --blue-soft: #E6EDF8;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 10px 30px rgba(20, 20, 22, .08);
  --shadow-lg: 0 24px 60px rgba(20, 20, 22, .16);
  --font: "Helvetica Neue", Helvetica, Arial, "Segoe UI", Roboto, sans-serif;
  --mono: "SF Mono", Menlo, Consolas, "Liberation Mono", monospace;
  --container: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--offwhite);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--red-dark); text-decoration: none; }
a:hover { color: var(--red); }
h1, h2, h3, h4, h5 { margin: 0 0 .5em; line-height: 1.15; color: var(--charcoal); font-weight: 600; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
.lead { font-size: 1.15rem; color: var(--ink-2); }
.muted { color: var(--ink-3); }
.small { font-size: .875rem; }
.tiny { font-size: .78rem; }
.mono { font-family: var(--mono); font-size: .9em; }
.gold { color: var(--gold); }
.red { color: var(--red-dark); }
.green { color: var(--green); }
.text-center { text-align: center; }
.text-right { text-align: right; }
.nowrap { white-space: nowrap; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container.narrow { max-width: 860px; }
.eyebrow { display: inline-block; text-transform: uppercase; letter-spacing: .14em; font-size: .72rem; font-weight: 700; color: var(--gold); margin-bottom: 12px; }
.eyebrow::before { content: ""; display: inline-block; width: 22px; height: 2px; background: var(--gold); vertical-align: middle; margin-right: 10px; }
hr { border: 0; border-top: 1px solid var(--line); margin: 32px 0; }
code { font-family: var(--mono); background: var(--gold-soft); padding: 2px 6px; border-radius: 4px; font-size: .88em; }
pre { font-family: var(--mono); background: var(--charcoal); color: #E8E6E3; padding: 16px; border-radius: var(--radius-sm); overflow: auto; font-size: .82rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px; border: 1px solid transparent;
  font: inherit; font-weight: 600; font-size: .95rem; line-height: 1; cursor: pointer;
  transition: all .18s ease; white-space: nowrap; text-decoration: none;
}
.btn-primary { background: var(--red-dark); color: var(--white); }
.btn-primary:hover { background: var(--red); color: var(--white); transform: translateY(-1px); box-shadow: 0 8px 20px rgba(192, 57, 62, .3); }
.btn-dark { background: var(--charcoal); color: var(--white); }
.btn-dark:hover { background: var(--charcoal-3); color: var(--white); }
.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: #A5844C; color: var(--white); }
.btn-outline { background: transparent; border-color: var(--line-2); color: var(--charcoal); }
.btn-outline:hover { border-color: var(--charcoal); color: var(--charcoal); }
.btn-outline-light { background: transparent; border-color: rgba(255, 255, 255, .4); color: var(--white); }
.btn-outline-light:hover { background: rgba(255, 255, 255, .1); color: var(--white); }
.btn-ghost { background: transparent; color: var(--ink-2); padding: 10px 14px; }
.btn-ghost:hover { background: rgba(20, 20, 22, .05); color: var(--charcoal); }
.btn-danger { background: var(--red-soft); color: var(--red-dark); border-color: #F3C4C6; }
.btn-danger:hover { background: var(--red-dark); color: var(--white); }
.btn-success { background: var(--green-soft); color: var(--green); border-color: #BFE2CD; }
.btn-success:hover { background: var(--green); color: var(--white); }
.btn-sm { padding: 8px 14px; font-size: .82rem; }
.btn-xs { padding: 5px 10px; font-size: .75rem; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn-block { width: 100%; }
.btn[disabled], .btn.disabled { opacity: .55; pointer-events: none; }
.btn-group { display: flex; flex-wrap: wrap; gap: 10px; }

/* ---------- Cards and surfaces ---------- */
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card.pad-lg { padding: 36px; }
.card.pad-sm { padding: 16px; }
.card-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 18px; flex-wrap: wrap; }
.card-head h3, .card-head h2 { margin: 0; }
.card-dark { background: var(--charcoal); color: #E8E6E3; border-color: var(--charcoal-3); }
.card-dark h3, .card-dark h2, .card-dark h4 { color: var(--white); }
.card-dark .muted { color: #A5A3A0; }
.card-gold { background: linear-gradient(135deg, #B8965A, #D3B680); color: var(--white); border: 0; }
.card-gold h3, .card-gold h4 { color: var(--white); }
.card-red { background: linear-gradient(135deg, var(--red-dark), var(--red)); color: var(--white); border: 0; }
.card-red h3, .card-red h4 { color: var(--white); }
.surface { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); }

/* ---------- Grid ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-5 { grid-template-columns: repeat(5, 1fr); }
.grid-6 { grid-template-columns: repeat(6, 1fr); }
.grid-sidebar { grid-template-columns: 2fr 1fr; }
.grid-sidebar-left { grid-template-columns: 1fr 2fr; }
.gap-sm { gap: 12px; }
.gap-lg { gap: 40px; }
.flex { display: flex; gap: 12px; align-items: center; }
.flex.wrap { flex-wrap: wrap; }
.flex.between { justify-content: space-between; }
.flex.end { justify-content: flex-end; }
.flex.start { align-items: flex-start; }
.flex.col { flex-direction: column; align-items: stretch; }
.grow { flex: 1; }
.mt-0 { margin-top: 0 !important; } .mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 40px; } .mt-5 { margin-top: 64px; }
.mb-0 { margin-bottom: 0 !important; } .mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 40px; }
.w-100 { width: 100%; }

/* ---------- Forms ---------- */
label, .label { display: block; font-size: .85rem; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; }
.field { margin-bottom: 18px; }
.field .hint { font-size: .78rem; color: var(--ink-3); margin-top: 6px; }
.field .error { font-size: .8rem; color: var(--red-dark); margin-top: 6px; }
input[type="text"], input[type="email"], input[type="password"], input[type="number"], input[type="tel"], input[type="date"], input[type="datetime-local"], input[type="url"], input[type="search"], select, textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line-2); border-radius: var(--radius-sm);
  background: var(--white); font: inherit; font-size: .95rem; color: var(--ink); transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(232, 85, 90, .15); }
input[readonly] { background: var(--offwhite); color: var(--ink-2); }
textarea { min-height: 120px; resize: vertical; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2345454D' stroke-width='1.6' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.input-group { display: flex; }
.input-group input { border-radius: var(--radius-sm) 0 0 var(--radius-sm); }
.input-group .addon { display: flex; align-items: center; padding: 0 14px; border: 1px solid var(--line-2); border-left: 0; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; background: var(--offwhite); font-size: .9rem; color: var(--ink-2); white-space: nowrap; }
.input-group .btn { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.check { display: flex; align-items: flex-start; gap: 10px; font-weight: 400; font-size: .9rem; color: var(--ink-2); cursor: pointer; }
.check input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--red-dark); flex-shrink: 0; }
.switch { position: relative; display: inline-flex; align-items: center; gap: 10px; cursor: pointer; font-weight: 500; }
.switch input { position: absolute; opacity: 0; }
.switch .track { width: 42px; height: 24px; border-radius: 999px; background: var(--line-2); position: relative; transition: background .2s; flex-shrink: 0; }
.switch .track::after { content: ""; position: absolute; top: 3px; left: 3px; width: 18px; height: 18px; border-radius: 50%; background: var(--white); transition: transform .2s; box-shadow: 0 1px 3px rgba(0, 0, 0, .25); }
.switch input:checked + .track { background: var(--green); }
.switch input:checked + .track::after { transform: translateX(18px); }
.form-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.form-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.form-actions { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; margin-top: 8px; }
.range { width: 100%; accent-color: var(--red-dark); }
fieldset { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px; margin: 0 0 18px; }
legend { padding: 0 8px; font-weight: 600; font-size: .9rem; color: var(--ink-2); }
.otp-input { font-family: var(--mono); font-size: 1.6rem; letter-spacing: .5em; text-align: center; padding: 14px; }

/* ---------- Alerts and badges ---------- */
.alert { padding: 14px 18px; border-radius: var(--radius-sm); border: 1px solid; margin-bottom: 18px; font-size: .92rem; display: flex; gap: 12px; align-items: flex-start; }
.alert-success { background: var(--green-soft); border-color: #BFE2CD; color: #1F5E3A; }
.alert-error, .alert-danger { background: var(--red-soft); border-color: #F3C4C6; color: #8E2A2E; }
.alert-warning { background: var(--amber-soft); border-color: #F0D9A5; color: #7A5210; }
.alert-info { background: var(--blue-soft); border-color: #C3D3EC; color: #1F3F6E; }
.alert .close { margin-left: auto; background: none; border: 0; font-size: 1.2rem; cursor: pointer; color: inherit; opacity: .6; line-height: 1; }
.badge { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: .72rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; line-height: 1.6; white-space: nowrap; }
.badge-success, .badge-active, .badge-approved, .badge-completed, .badge-paid, .badge-sent, .badge-confirmed, .badge-achieved { background: var(--green-soft); color: var(--green); }
.badge-warning, .badge-pending, .badge-processing, .badge-submitted, .badge-required, .badge-waiting, .badge-requested, .badge-running { background: var(--amber-soft); color: #7A5210; }
.badge-danger, .badge-rejected, .badge-failed, .badge-suspended, .badge-cancelled, .badge-locked, .badge-urgent, .badge-closed-account { background: var(--red-soft); color: var(--red-dark); }
.badge-info, .badge-open, .badge-answered, .badge-approved-wd, .badge-info { background: var(--blue-soft); color: var(--blue); }
.badge-neutral, .badge-closed, .badge-unverified, .badge-archived, .badge-deleted, .badge-low, .badge-normal, .badge-user { background: #ECEAE7; color: var(--ink-2); }
.badge-gold, .badge-superadmin, .badge-admin, .badge-high { background: var(--gold-soft); color: var(--gold); }
.badge-dark { background: var(--charcoal); color: var(--white); }
.badge-red { background: var(--red-dark); color: var(--white); }
.pill { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); font-size: .82rem; font-weight: 600; }
.dot { width: 8px; height: 8px; border-radius: 50%; display: inline-block; background: var(--green); }
.dot.red { background: var(--red); } .dot.amber { background: var(--amber); } .dot.grey { background: var(--ink-3); }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius-sm); }
table.table { width: 100%; border-collapse: collapse; font-size: .9rem; }
.table th, .table td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: middle; }
.table th { font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-3); font-weight: 700; background: var(--offwhite); white-space: nowrap; }
.table tbody tr:hover { background: #FBFAF9; }
.table td.num, .table th.num { text-align: right; font-variant-numeric: tabular-nums; }
.table .actions { white-space: nowrap; text-align: right; }
.table-compact th, .table-compact td { padding: 8px 10px; font-size: .85rem; }
.table tr.highlight { background: var(--gold-soft); }
.amount-pos { color: var(--green); font-weight: 600; }
.amount-neg { color: var(--red-dark); font-weight: 600; }
.empty { padding: 48px 24px; text-align: center; color: var(--ink-3); }
.empty svg { margin: 0 auto 12px; opacity: .4; }
.pagination { display: flex; gap: 6px; justify-content: center; margin-top: 20px; flex-wrap: wrap; }
.pagination a, .pagination span { padding: 8px 13px; border-radius: var(--radius-sm); border: 1px solid var(--line); background: var(--white); font-size: .85rem; color: var(--ink-2); }
.pagination .active { background: var(--charcoal); color: var(--white); border-color: var(--charcoal); }
.pagination a:hover { border-color: var(--charcoal); }

/* ---------- Stats ---------- */
.stat { padding: 20px 22px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); position: relative; overflow: hidden; }
.stat .stat-label { font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-3); font-weight: 700; margin-bottom: 8px; }
.stat .stat-value { font-size: 1.75rem; font-weight: 700; color: var(--charcoal); letter-spacing: -.02em; line-height: 1.1; font-variant-numeric: tabular-nums; }
.stat .stat-sub { font-size: .8rem; color: var(--ink-3); margin-top: 6px; }
.stat.accent::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--red-dark); }
.stat.accent-gold::before { background: var(--gold); }
.stat.accent-green::before { background: var(--green); }
.stat.accent-dark::before { background: var(--charcoal); }
.stat.accent::before, .stat.accent-gold::before, .stat.accent-green::before, .stat.accent-dark::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; }
.stat.dark { background: var(--charcoal); border-color: var(--charcoal-3); }
.stat.dark .stat-value { color: var(--white); } .stat.dark .stat-label, .stat.dark .stat-sub { color: #A5A3A0; }
.progress { height: 8px; background: var(--line); border-radius: 999px; overflow: hidden; }
.progress > span { display: block; height: 100%; background: linear-gradient(90deg, var(--red-dark), var(--red)); border-radius: 999px; transition: width .6s ease; }
.progress.gold > span { background: linear-gradient(90deg, var(--gold), #D3B680); }
.progress.green > span { background: var(--green); }
.progress.lg { height: 12px; }

/* ---------- Public header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247, 245, 243, .92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.site-header .bar { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.brand img { height: 42px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { padding: 8px 14px; border-radius: 999px; color: var(--ink-2); font-weight: 500; font-size: .92rem; }
.nav a:hover, .nav a.active { color: var(--charcoal); background: rgba(20, 20, 22, .05); }
.nav .dropdown { position: relative; }
.nav .dropdown > a::after { content: ""; display: inline-block; width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg); margin-left: 8px; position: relative; top: -2px; }
.nav .menu { position: absolute; top: calc(100% + 8px); left: 0; min-width: 240px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); box-shadow: var(--shadow-lg); padding: 8px; display: none; flex-direction: column; }
.nav .menu a { border-radius: 6px; padding: 10px 12px; display: block; }
.nav .dropdown:hover .menu, .nav .dropdown:focus-within .menu { display: flex; }
.header-actions { display: flex; gap: 10px; align-items: center; }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; cursor: pointer; border-radius: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--charcoal); margin: 5px auto; transition: .2s; }
.topbar { background: var(--charcoal); color: #C9C7C4; font-size: .78rem; }
.topbar .bar { display: flex; justify-content: space-between; align-items: center; height: 34px; gap: 16px; }
.topbar a { color: #E8E6E3; }
.topbar .ticker { display: flex; gap: 20px; overflow: hidden; white-space: nowrap; }
.topbar .ticker span b { color: var(--white); font-weight: 600; }
.topbar .up { color: #7ED39A; } .topbar .down { color: #F4A0A3; }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--charcoal); color: var(--white); overflow: hidden; }
.hero .bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .42; }
.hero .bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(20, 20, 22, .96) 30%, rgba(20, 20, 22, .55) 70%, rgba(20, 20, 22, .35)); }
.hero .inner { position: relative; padding: 110px 0 90px; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lead { color: #D4D2CF; max-width: 560px; }
.hero .eyebrow { color: var(--gold); }
.hero-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 28px; }
.hero .pill, .hero-badges .pill { background: rgba(255, 255, 255, .10); border-color: rgba(255, 255, 255, .22); color: #F2F0ED; }
.hero .pill svg { color: var(--gold); flex-shrink: 0; }
.hero-card { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); border-radius: var(--radius); padding: 28px; backdrop-filter: blur(8px); }
.hero-card h4 { color: var(--white); }
.hero-card .big { font-size: 2.4rem; font-weight: 700; color: var(--white); letter-spacing: -.02em; line-height: 1.1; }
.hero-card .row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255, 255, 255, .1); font-size: .9rem; color: #C9C7C4; }
.hero-card .row b { color: var(--white); }
.page-hero { background: var(--charcoal); color: var(--white); padding: 72px 0 56px; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(232, 85, 90, .35), transparent 70%); }
.page-hero h1 { color: var(--white); margin-bottom: 10px; }
.page-hero .lead { color: #C9C7C4; max-width: 720px; }
.page-hero .crumbs { font-size: .8rem; color: #A5A3A0; margin-bottom: 18px; }
.page-hero .crumbs a { color: #E8E6E3; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section.tight { padding: 56px 0; }
.section.dark { background: var(--charcoal); color: #D4D2CF; }
.section.dark h2, .section.dark h3 { color: var(--white); }
.section.white { background: var(--white); }
.section.gold-tint { background: var(--gold-soft); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow::before { display: none; }
.stats-strip { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.stats-strip .inner { display: grid; grid-template-columns: repeat(4, 1fr); }
.stats-strip .item { padding: 32px 24px; text-align: center; border-right: 1px solid var(--line); }
.stats-strip .item:last-child { border-right: 0; }
.stats-strip .val { font-size: 2.1rem; font-weight: 700; color: var(--charcoal); letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.stats-strip .lbl { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-3); font-weight: 700; margin-top: 4px; }

/* ---------- Plan cards ---------- */
.plan-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; position: relative; transition: transform .2s, box-shadow .2s; }
.plan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.plan-card.featured { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold), var(--shadow); }
.plan-card .ribbon { position: absolute; top: -12px; right: 20px; background: var(--gold); color: var(--white); font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; }
.plan-card .code { font-family: var(--mono); font-size: .78rem; color: var(--gold); font-weight: 700; letter-spacing: .08em; }
.plan-card h3 { margin: 6px 0 4px; }
.plan-card .tagline { color: var(--ink-3); font-size: .88rem; min-height: 2.6em; }
.plan-card .rate { margin: 18px 0; display: flex; align-items: baseline; gap: 6px; }
.plan-card .rate b { font-size: 2.6rem; font-weight: 700; letter-spacing: -.03em; color: var(--charcoal); line-height: 1; }
.plan-card .rate span { color: var(--ink-3); font-size: .85rem; }
.plan-card ul { list-style: none; margin: 0 0 22px; padding: 0; font-size: .9rem; }
.plan-card li { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px dashed var(--line); color: var(--ink-2); }
.plan-card li b { color: var(--charcoal); font-variant-numeric: tabular-nums; }
.plan-card .btn { margin-top: auto; }
.risk-low { color: var(--green); } .risk-moderate { color: var(--amber); } .risk-elevated { color: var(--red-dark); }

/* ---------- Feature blocks ---------- */
.feature { padding: 28px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.feature .icon { width: 48px; height: 48px; border-radius: 12px; background: var(--red-soft); color: var(--red-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.feature .icon.gold { background: var(--gold-soft); color: var(--gold); }
.feature .icon.dark { background: var(--charcoal); color: var(--white); }
.feature h4 { margin-bottom: 8px; }
.feature p { color: var(--ink-2); font-size: .93rem; margin: 0; }
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.step { position: relative; padding: 28px 22px 22px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.step::before { counter-increment: step; content: counter(step, decimal-leading-zero); font-size: 2.2rem; font-weight: 700; color: var(--gold); letter-spacing: -.03em; display: block; margin-bottom: 10px; line-height: 1; }
.step h4 { font-size: 1rem; }
.step p { font-size: .88rem; color: var(--ink-2); margin: 0; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { padding: 10px 0 10px 34px; position: relative; color: var(--ink-2); border-bottom: 1px solid var(--line); }
.checklist li::before { content: ""; position: absolute; left: 0; top: 14px; width: 20px; height: 20px; border-radius: 50%; background: var(--green-soft); }
.checklist li::after { content: ""; position: absolute; left: 7px; top: 18px; width: 5px; height: 9px; border-right: 2px solid var(--green); border-bottom: 2px solid var(--green); transform: rotate(45deg); }
.quote { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; }
.quote .stars { color: var(--gold); letter-spacing: 2px; font-size: .9rem; margin-bottom: 12px; }
.quote p { color: var(--ink-2); font-size: .97rem; flex: 1; }
.quote .who { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.quote .who img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.quote .who b { display: block; color: var(--charcoal); font-size: .95rem; }
.quote .who span { font-size: .8rem; color: var(--ink-3); }
.cta-band { background: linear-gradient(120deg, var(--red-dark), var(--red) 60%, #F07A7E); color: var(--white); border-radius: var(--radius); padding: 56px; display: flex; justify-content: space-between; align-items: center; gap: 32px; }
.cta-band h2 { color: var(--white); margin-bottom: 8px; }
.cta-band p { color: rgba(255, 255, 255, .85); margin: 0; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { padding: 20px 0; cursor: pointer; font-weight: 600; color: var(--charcoal); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq-item summary::after { content: "+"; font-size: 1.4rem; color: var(--gold); line-height: 1; flex-shrink: 0; }
.faq-item[open] summary::after { content: "–"; }
.faq-item .answer { padding: 0 0 20px; color: var(--ink-2); }
.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: 48px; align-items: start; }
.legal-nav { position: sticky; top: 100px; }
.legal-nav a { display: block; padding: 9px 12px; border-radius: var(--radius-sm); color: var(--ink-2); font-size: .9rem; }
.legal-nav a.active, .legal-nav a:hover { background: var(--white); color: var(--charcoal); font-weight: 600; }
.prose { max-width: 820px; }
.prose h2 { font-size: 1.5rem; margin-top: 40px; }
.prose h3 { font-size: 1.15rem; margin-top: 28px; }
.prose p { color: var(--ink-2); }
.prose .meta { font-size: .85rem; color: var(--ink-3); padding: 12px 16px; background: var(--white); border-left: 3px solid var(--gold); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin-bottom: 28px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; padding: 22px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.contact-card .icon { width: 44px; height: 44px; border-radius: 12px; background: var(--gold-soft); color: var(--gold); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-card b { display: block; color: var(--charcoal); margin-bottom: 4px; }
.contact-card p { margin: 0; color: var(--ink-2); font-size: .92rem; }
.rates-table .sym { font-weight: 700; color: var(--charcoal); }
.rates-table .chg.up { color: var(--green); } .rates-table .chg.down { color: var(--red-dark); }
.app-shot { max-width: 320px; margin: 0 auto; border-radius: 32px; box-shadow: var(--shadow-lg); }
.store-badge { display: inline-flex; align-items: center; gap: 10px; padding: 10px 18px; border-radius: 10px; background: var(--charcoal); color: var(--white); font-weight: 600; font-size: .9rem; }
.store-badge:hover { background: var(--charcoal-3); color: var(--white); }
.store-badge small { display: block; font-size: .65rem; font-weight: 400; opacity: .7; line-height: 1; }

/* ---------- Footer ---------- */
.site-footer { background: var(--charcoal); color: #A5A3A0; padding: 72px 0 32px; font-size: .9rem; }
.site-footer .cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.3fr; gap: 40px; }
.site-footer h5 { color: var(--white); font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 16px; }
.site-footer a { color: #C9C7C4; display: block; padding: 4px 0; }
.site-footer a:hover { color: var(--white); }
.site-footer .brand img { height: 40px; margin-bottom: 18px; }
.site-footer .legal-line { border-top: 1px solid var(--charcoal-3); margin-top: 48px; padding-top: 24px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .8rem; }
.site-footer .disclaimer { font-size: .78rem; color: #7A7A85; line-height: 1.6; margin-top: 24px; }
.site-footer address { font-style: normal; line-height: 1.7; }
.cookie-bar { position: fixed; left: 20px; right: 20px; bottom: 20px; z-index: 90; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 18px 22px; display: none; gap: 16px; align-items: center; justify-content: space-between; font-size: .9rem; max-width: 980px; margin: 0 auto; }
.cookie-bar.show { display: flex; }

/* ---------- Auth ---------- */
.auth-wrap { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; }
.auth-side { background: var(--charcoal); color: #D4D2CF; padding: 56px; display: flex; flex-direction: column; justify-content: space-between; position: relative; overflow: hidden; }
.auth-side .bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .28; }
.auth-side > * { position: relative; }
.auth-side h2 { color: var(--white); }
.auth-side .brand img { height: 46px; }
.auth-side .points { list-style: none; padding: 0; margin: 28px 0 0; }
.auth-side .points li { padding: 10px 0 10px 30px; position: relative; }
.auth-side .points li::before { content: ""; position: absolute; left: 0; top: 17px; width: 14px; height: 14px; border-radius: 50%; border: 2px solid var(--gold); }
.auth-main { display: flex; align-items: center; justify-content: center; padding: 48px 24px; }
.auth-box { width: 100%; max-width: 460px; }
.auth-box h1 { font-size: 1.9rem; margin-bottom: 6px; }
.auth-box .sub { color: var(--ink-3); margin-bottom: 28px; }
.auth-box .foot { margin-top: 24px; font-size: .9rem; color: var(--ink-2); text-align: center; }
.pw-meter { height: 5px; border-radius: 999px; background: var(--line); margin-top: 8px; overflow: hidden; }
.pw-meter span { display: block; height: 100%; width: 0; background: var(--red-dark); transition: width .3s, background .3s; }
.backup-codes { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; font-family: var(--mono); font-size: 1rem; }
.backup-codes span { padding: 10px; background: var(--offwhite); border: 1px dashed var(--line-2); border-radius: 6px; text-align: center; }

/* ---------- App shell (user + admin) ---------- */
.app { display: grid; grid-template-columns: 260px 1fr; min-height: 100vh; }
.sidebar { background: var(--charcoal); color: #C9C7C4; padding: 24px 16px; position: sticky; top: 0; height: 100vh; overflow-y: auto; display: flex; flex-direction: column; }
.sidebar .brand { padding: 4px 12px 24px; }
.sidebar .brand img { height: 38px; }
.sidebar .group { font-size: .66rem; text-transform: uppercase; letter-spacing: .14em; color: #6E6E78; padding: 18px 12px 8px; font-weight: 700; }
.sidebar a.item { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 10px; color: #C9C7C4; font-size: .92rem; font-weight: 500; transition: .15s; }
.sidebar a.item svg { width: 18px; height: 18px; flex-shrink: 0; opacity: .8; }
.sidebar a.item:hover { background: rgba(255, 255, 255, .06); color: var(--white); }
.sidebar a.item.active { background: var(--red-dark); color: var(--white); }
.sidebar a.item .count { margin-left: auto; background: rgba(255, 255, 255, .15); font-size: .7rem; padding: 2px 8px; border-radius: 999px; font-weight: 700; }
.sidebar a.item.active .count { background: rgba(255, 255, 255, .3); }
.sidebar .foot { margin-top: auto; padding: 18px 12px 0; border-top: 1px solid var(--charcoal-3); font-size: .78rem; color: #7A7A85; }
.sidebar .user-chip { display: flex; align-items: center; gap: 10px; padding: 12px; background: rgba(255, 255, 255, .05); border-radius: 12px; margin-top: 12px; }
.avatar { width: 38px; height: 38px; border-radius: 50%; background: var(--gold); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .9rem; flex-shrink: 0; }
.avatar.red { background: var(--red-dark); } .avatar.lg { width: 64px; height: 64px; font-size: 1.4rem; }
.main { min-width: 0; display: flex; flex-direction: column; }
.topnav { height: 68px; background: var(--white); border-bottom: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; padding: 0 32px; gap: 16px; position: sticky; top: 0; z-index: 40; }
.topnav .title { font-size: 1.05rem; font-weight: 600; color: var(--charcoal); }
.topnav .crumbs { font-size: .78rem; color: var(--ink-3); }
.topnav .right { display: flex; align-items: center; gap: 10px; }
.icon-btn { position: relative; width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line); background: var(--white); display: inline-flex; align-items: center; justify-content: center; color: var(--ink-2); cursor: pointer; }
.icon-btn:hover { border-color: var(--charcoal); color: var(--charcoal); }
.icon-btn .count { position: absolute; top: -6px; right: -6px; background: var(--red-dark); color: var(--white); font-size: .62rem; font-weight: 700; min-width: 18px; height: 18px; border-radius: 999px; display: flex; align-items: center; justify-content: center; padding: 0 5px; }
.content { padding: 32px; flex: 1; }
.page-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; margin-bottom: 28px; flex-wrap: wrap; }
.page-head h1 { font-size: 1.75rem; margin: 0; }
.page-head p { margin: 4px 0 0; color: var(--ink-3); }
.impersonation-bar { background: var(--amber); color: var(--charcoal); padding: 10px 32px; font-size: .88rem; font-weight: 600; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.impersonation-bar .btn { background: var(--charcoal); color: var(--white); }
.announce { padding: 12px 32px; font-size: .88rem; border-bottom: 1px solid var(--line); }
.announce.info { background: var(--blue-soft); color: #1F3F6E; } .announce.success { background: var(--green-soft); color: #1F5E3A; } .announce.warning { background: var(--amber-soft); color: #7A5210; } .announce.danger { background: var(--red-soft); color: #8E2A2E; }
.notif-list .n { display: flex; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.notif-list .n.unread { background: linear-gradient(90deg, var(--gold-soft), transparent); margin: 0 -12px; padding-left: 12px; padding-right: 12px; border-radius: 8px; }
.notif-list .n b { display: block; color: var(--charcoal); font-size: .93rem; }
.notif-list .n p { margin: 2px 0 0; font-size: .86rem; color: var(--ink-2); }
.notif-list .n time { font-size: .75rem; color: var(--ink-3); white-space: nowrap; }
.balance-card { background: linear-gradient(135deg, var(--charcoal) 0%, var(--charcoal-3) 100%); color: var(--white); border-radius: var(--radius); padding: 28px 32px; position: relative; overflow: hidden; }
.balance-card::after { content: ""; position: absolute; right: -60px; bottom: -80px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(232, 85, 90, .45), transparent 70%); }
.balance-card .lbl { font-size: .75rem; text-transform: uppercase; letter-spacing: .12em; color: #A5A3A0; font-weight: 700; }
.balance-card .val { font-size: 2.6rem; font-weight: 700; letter-spacing: -.03em; line-height: 1.1; margin: 6px 0 14px; font-variant-numeric: tabular-nums; }
.balance-card .mini { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; position: relative; }
.balance-card .mini b { display: block; font-size: 1.1rem; font-variant-numeric: tabular-nums; }
.balance-card .mini span { font-size: .75rem; color: #A5A3A0; }
.chart-wrap { position: relative; width: 100%; }
.chart-wrap canvas { width: 100% !important; height: auto; display: block; }
.legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: .8rem; color: var(--ink-2); }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: middle; }
.timeline { list-style: none; padding: 0; margin: 0; }
.timeline li { position: relative; padding: 0 0 20px 28px; border-left: 2px solid var(--line); margin-left: 8px; }
.timeline li::before { content: ""; position: absolute; left: -7px; top: 4px; width: 12px; height: 12px; border-radius: 50%; background: var(--white); border: 3px solid var(--gold); }
.timeline li:last-child { border-left-color: transparent; }
.timeline time { font-size: .75rem; color: var(--ink-3); display: block; }
.calendar { display: grid; grid-template-columns: repeat(7, 1fr); gap: 6px; }
.calendar .dow { font-size: .68rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-3); text-align: center; padding: 6px 0; font-weight: 700; }
.calendar .day { min-height: 76px; background: var(--white); border: 1px solid var(--line); border-radius: 8px; padding: 6px 8px; font-size: .75rem; color: var(--ink-3); }
.calendar .day.has { border-color: var(--gold); background: var(--gold-soft); }
.calendar .day.today { outline: 2px solid var(--red-dark); }
.calendar .day .amt { display: block; font-weight: 700; color: var(--charcoal); font-size: .85rem; margin-top: 6px; font-variant-numeric: tabular-nums; }
.calendar .day .n { font-size: .68rem; color: var(--ink-3); }
.calendar .day.pad { background: transparent; border-color: transparent; }
.kv { display: grid; grid-template-columns: 1fr auto; gap: 8px 16px; font-size: .9rem; }
.kv dt { color: var(--ink-3); margin: 0; } .kv dd { margin: 0; color: var(--charcoal); font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; word-break: break-all; }
.kv-list { margin: 0; }
.kv-list div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
.kv-list div:last-child { border-bottom: 0; }
.kv-list dt { color: var(--ink-3); } .kv-list dd { margin: 0; font-weight: 600; text-align: right; word-break: break-word; }
.copy-box { display: flex; align-items: center; gap: 10px; padding: 12px 14px; background: var(--offwhite); border: 1px dashed var(--line-2); border-radius: var(--radius-sm); font-family: var(--mono); font-size: .9rem; word-break: break-all; }
.copy-box .btn { margin-left: auto; flex-shrink: 0; }
.tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--line); margin-bottom: 24px; overflow-x: auto; }
.tabs a, .tabs button { padding: 10px 16px; font-size: .9rem; font-weight: 600; color: var(--ink-3); border-bottom: 2px solid transparent; margin-bottom: -1px; white-space: nowrap; background: none; border-top: 0; border-left: 0; border-right: 0; cursor: pointer; font-family: inherit; }
.tabs a.active, .tabs button.active, .tabs a:hover, .tabs button:hover { color: var(--charcoal); border-bottom-color: var(--red-dark); }
.tab-panel { display: none; } .tab-panel.active { display: block; }
.score-ring { width: 120px; height: 120px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.8rem; font-weight: 700; color: var(--charcoal); position: relative; }
.score-ring::after { content: ""; position: absolute; inset: 10px; border-radius: 50%; background: var(--white); z-index: -1; }
.score-ring span { position: relative; z-index: 1; }
.score-ring small { position: absolute; bottom: 26px; font-size: .62rem; color: var(--ink-3); font-weight: 600; letter-spacing: .08em; }
.ticket-msg { padding: 16px 18px; border-radius: var(--radius-sm); margin-bottom: 14px; background: var(--white); border: 1px solid var(--line); max-width: 85%; }
.ticket-msg.staff { background: var(--gold-soft); border-color: #E7D9BD; margin-left: auto; }
.ticket-msg .meta { font-size: .75rem; color: var(--ink-3); margin-bottom: 6px; display: flex; justify-content: space-between; gap: 12px; }
.ticket-msg .body { white-space: pre-wrap; font-size: .93rem; color: var(--ink); }
.filter-bar { display: flex; gap: 10px; flex-wrap: wrap; align-items: flex-end; margin-bottom: 18px; }
.filter-bar .field { margin: 0; min-width: 150px; flex: 1; }
.filter-bar input, .filter-bar select { padding: 9px 12px; font-size: .88rem; }
.filter-bar .btn { padding: 10px 16px; }
.diff { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0; font-size: .85rem; border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; }
.diff > div { padding: 8px 12px; border-bottom: 1px solid var(--line); word-break: break-all; }
.diff .h { background: var(--offwhite); font-weight: 700; font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-3); }
.diff .before { background: var(--red-soft); color: #8E2A2E; font-family: var(--mono); font-size: .8rem; }
.diff .after { background: var(--green-soft); color: #1F5E3A; font-family: var(--mono); font-size: .8rem; }
.qr-box { background: var(--white); padding: 16px; border-radius: var(--radius); border: 1px solid var(--line); display: inline-block; }
.qr-box svg, .qr-box img { width: 200px; height: 200px; }
.kyc-doc { display: flex; gap: 14px; align-items: center; padding: 14px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); }
.kyc-doc .ic { width: 44px; height: 44px; border-radius: 10px; background: var(--offwhite); display: flex; align-items: center; justify-content: center; color: var(--ink-3); flex-shrink: 0; }
.kyc-doc b { display: block; font-size: .92rem; color: var(--charcoal); }
.kyc-doc span { font-size: .78rem; color: var(--ink-3); }
.tier-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.tier { padding: 18px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--white); }
.tier.current { border-color: var(--gold); background: var(--gold-soft); }
.tier b { display: block; margin-bottom: 6px; }
.tier small { color: var(--ink-3); display: block; }
.modal { position: fixed; inset: 0; background: rgba(20, 20, 22, .6); display: none; align-items: center; justify-content: center; z-index: 100; padding: 20px; }
.modal.open { display: flex; }
.modal .box { background: var(--white); border-radius: var(--radius); max-width: 520px; width: 100%; padding: 28px; max-height: 90vh; overflow: auto; }
.modal .box h3 { margin-bottom: 16px; }
.toast-wrap { position: fixed; top: 20px; right: 20px; z-index: 200; display: flex; flex-direction: column; gap: 10px; }
.toast { background: var(--charcoal); color: var(--white); padding: 12px 18px; border-radius: 10px; font-size: .88rem; box-shadow: var(--shadow-lg); animation: toastin .25s ease; }
@keyframes toastin { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
.ladder-rung { display: grid; grid-template-columns: 40px 1fr 1fr 1fr 1fr; gap: 12px; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
.ladder-rung .idx { width: 32px; height: 32px; border-radius: 50%; background: var(--gold-soft); color: var(--gold); font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: .8rem; }
.error-page { min-height: 70vh; display: flex; align-items: center; justify-content: center; text-align: center; padding: 60px 24px; }
.error-page .code { font-size: 6rem; font-weight: 700; color: var(--red-dark); letter-spacing: -.04em; line-height: 1; }
.print-only { display: none; }
.dropzone { border: 2px dashed var(--line-2); border-radius: var(--radius-sm); padding: 24px; text-align: center; color: var(--ink-3); font-size: .88rem; background: var(--offwhite); cursor: pointer; }
.dropzone:hover { border-color: var(--gold); }
.dropzone input { display: none; }
.sparkline { height: 36px; width: 120px; }
.admin-kpi .stat-value { font-size: 1.45rem; }
.json-view { font-family: var(--mono); font-size: .78rem; background: var(--charcoal); color: #E8E6E3; padding: 14px; border-radius: var(--radius-sm); overflow: auto; max-height: 420px; white-space: pre; }
.user-cell { display: flex; align-items: center; gap: 10px; }
.user-cell .avatar { width: 32px; height: 32px; font-size: .75rem; }
.user-cell b { display: block; font-size: .9rem; color: var(--charcoal); line-height: 1.2; }
.user-cell span { font-size: .75rem; color: var(--ink-3); }
.inline-form { display: inline; }
.actions-inline { display: flex; gap: 6px; justify-content: flex-end; flex-wrap: wrap; }
.actions-inline input[type="text"], .actions-inline input[type="number"] { width: 150px; padding: 6px 10px; font-size: .82rem; }
.tag { display: inline-block; padding: 2px 8px; background: var(--offwhite); border: 1px solid var(--line); border-radius: 6px; font-size: .75rem; color: var(--ink-2); font-family: var(--mono); }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .grid-4, .grid-5, .grid-6 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
  .hero .inner { grid-template-columns: 1fr; padding: 72px 0 56px; }
  .app { grid-template-columns: 1fr; }
  .sidebar { position: fixed; left: -280px; width: 270px; z-index: 60; transition: left .25s; }
  .sidebar.open { left: 0; box-shadow: var(--shadow-lg); }
  .sidebar-toggle { display: inline-flex !important; }
  .nav-toggle { display: block; }
  .nav { display: none; position: absolute; top: 76px; left: 0; right: 0; background: var(--white); flex-direction: column; align-items: stretch; padding: 12px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-lg); }
  .nav.open { display: flex; }
  .nav .menu { position: static; display: flex; box-shadow: none; border: 0; padding-left: 16px; }
  .nav .dropdown > a::after { display: none; }
  .header-actions .btn-outline { display: none; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-nav { position: static; display: flex; flex-wrap: wrap; gap: 6px; }
  .split, .grid-sidebar, .grid-sidebar-left { grid-template-columns: 1fr; }
  .auth-wrap { grid-template-columns: 1fr; }
  .auth-side { display: none; }
  .stats-strip .inner { grid-template-columns: repeat(2, 1fr); }
  .stats-strip .item:nth-child(2) { border-right: 0; }
  .stats-strip .item:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
}
@media (max-width: 680px) {
  .grid-2, .grid-3, .grid-4, .grid-5, .grid-6, .form-row, .form-row-3, .steps, .tier-row { grid-template-columns: 1fr; }
  .content, .topnav { padding-left: 16px; padding-right: 16px; }
  .cta-band { flex-direction: column; text-align: center; padding: 36px 24px; }
  .section { padding: 56px 0; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .balance-card .mini { grid-template-columns: 1fr 1fr; }
  .calendar .day { min-height: 52px; padding: 4px; }
  .calendar .day .amt { font-size: .7rem; }
  .diff { grid-template-columns: 1fr; }
  .diff .h { display: none; }
  .ticket-msg { max-width: 100%; }
  .page-head h1 { font-size: 1.4rem; }
  .ladder-rung { grid-template-columns: 32px 1fr 1fr; }
  .topbar .ticker { display: none; }
  .hero .inner { padding: 56px 0 40px; }
}
.sidebar-toggle { display: none; }

/* ---------- Print ---------- */
@media print {
  .site-header, .site-footer, .sidebar, .topnav, .btn, .cookie-bar, .filter-bar, .pagination, .no-print { display: none !important; }
  body { background: var(--white); color: #000; }
  .app { display: block; }
  .content { padding: 0; }
  .card { border: 1px solid #ccc; break-inside: avoid; }
  .print-only { display: block; }
  a { color: inherit; }
}