:root {
  --canvas: #ece6dc;
  --canvas-2: #f3efe8;
  --surface: #ffffff;
  --surface-soft: #faf8f4;
  --ink: #1b1712;
  --ink-2: #2c2620;
  --muted: #6f6860;
  --line: #e2dccf;
  --line-2: #eae4d9;

  --plum: #8a4f74;
  --plum-dark: #6f3d5d;
  --plum-soft: #f4ebf0;
  --plum-line: #e3ccdb;
  --mauve: #c3a0b6;
  --taupe: #ded6c8;
  --taupe-hover: #d2c9b9;
  --danger: #a4402f;

  --radius: 18px;
  --radius-sm: 11px;
  --radius-pill: 999px;
  --shadow-card: 0 1px 2px rgba(27, 23, 18, 0.04), 0 12px 32px -20px rgba(27, 23, 18, 0.25);
  --shadow-float: 0 40px 90px -40px rgba(27, 23, 18, 0.45);
  --maxw: 1080px;
  --font-body: "IBM Plex Sans", system-ui, sans-serif;
  --font-display: "Instrument Serif", Georgia, serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--canvas);
  line-height: 1.55;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

.num { font-variant-numeric: tabular-nums; }
a { color: var(--ink); text-underline-offset: 2px; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---- header ---- */
.site-header { background: var(--canvas); }
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  height: 76px;
}
.brand { display: inline-flex; align-items: center; font-size: 1.95rem; color: var(--ink); text-decoration: none; }

/* Wordmark: "Finance" in Instrument Serif + the Flow X at cap height on the baseline. */
.wordmark {
  --fx-in: var(--plum); --fx-out: var(--mauve);
  font-family: "Instrument Serif", Georgia, "Times New Roman", serif; font-weight: 400;
  line-height: 1; letter-spacing: 0; display: inline-flex; align-items: baseline; white-space: nowrap;
}
.wordmark .fx-x { height: 0.69em; width: 0.69em; margin-left: 0.02em; overflow: visible; flex: none; }
.fx-out { stroke: var(--fx-out); fill: none; }
.fx-out-head { fill: var(--fx-out); }
.fx-in { stroke: var(--fx-in); fill: none; }
.fx-in-head { fill: var(--fx-in); }
.site-nav { display: flex; align-items: center; gap: 28px; }
.site-nav a { color: var(--ink-2); text-decoration: none; font-weight: 500; font-size: 0.98rem; }
.site-nav a:hover { color: var(--plum); }
.site-nav .btn { font-size: 0.92rem; padding: 9px 17px; color: var(--canvas-2); }
.site-nav .btn:hover { color: var(--canvas-2); background: #000; }

/* ---- buttons ---- */
.btn {
  font-family: var(--font-body); font-size: 1rem; font-weight: 600;
  border: none; border-radius: var(--radius-pill);
  padding: 13px 24px; cursor: pointer; text-decoration: none;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  transition: background 0.15s ease, transform 0.05s ease, color 0.15s ease;
}
.btn-dark, .btn { background: var(--ink); color: var(--canvas-2); }
.btn-dark:hover, .btn:hover { background: #000; }
.btn:active { transform: translateY(1px); }
.btn:disabled { opacity: 0.45; cursor: default; }
.btn-soft { background: var(--taupe); color: var(--ink); }
.btn-soft:hover { background: var(--taupe-hover); }
.btn-plum { background: var(--plum); color: #fff; }
.btn-plum:hover { background: var(--plum-dark); }
.btn-ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn-ghost:hover { background: var(--surface-soft); }
.btn-block { width: 100%; margin-top: 18px; }
.link-inline { background: none; border: none; color: var(--plum); font: inherit; cursor: pointer; padding: 0; text-decoration: underline; }

/* ---- landing hero ---- */
.landing { padding: 40px 0 70px; }
.display {
  font-family: var(--font-display); font-weight: 400;
  font-size: clamp(2.9rem, 8vw, 5.6rem);
  line-height: 0.98; letter-spacing: -0.015em;
  margin: 26px 0 22px; max-width: 15ch; color: var(--ink);
}
.display em { font-style: italic; color: var(--plum); }
.lede { font-size: 1.2rem; color: var(--muted); max-width: 52ch; margin: 0 0 30px; }
.cta-row { display: flex; gap: 14px; flex-wrap: wrap; }

/* product preview window */
.preview { margin-top: 56px; }
.preview-window {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-float);
  overflow: hidden; max-width: 940px; margin: 0 auto;
}
.pw-bar {
  display: flex; align-items: center; gap: 10px;
  padding: 13px 18px; border-bottom: 1px solid var(--line-2); background: var(--surface-soft);
}
.pw-bar .dot { width: 11px; height: 11px; border-radius: 50%; background: #e0d8ca; }
.pw-bar .pw-url { margin-left: 10px; color: var(--muted); font-size: 0.86rem; }
.pw-body { padding: 26px; display: grid; grid-template-columns: 1fr 1fr; gap: 20px; align-items: stretch; }
.pw-verdict {
  grid-column: 1 / -1;
  background: var(--ink); color: var(--canvas-2);
  border-radius: var(--radius-sm); padding: 22px 24px;
}
.pw-verdict .pw-eyebrow { color: var(--mauve); font-size: 0.85rem; }
.pw-verdict .pw-amt { font-size: clamp(1.9rem, 4vw, 2.6rem); font-weight: 700; letter-spacing: -0.01em; line-height: 1.1; }
.pw-verdict .pw-amt em { font-style: normal; color: #e9cede; }
.pw-mini { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 18px; }
.pw-mini.win { border-color: var(--plum-line); box-shadow: 0 0 0 1px var(--plum-line) inset; }
.pw-mini .lab { color: var(--muted); font-size: 0.85rem; }
.pw-mini .val { font-weight: 700; font-size: 1.5rem; }
.pw-mini .tag { display: inline-block; font-size: 0.7rem; font-weight: 600; color: var(--plum-dark); background: var(--plum-soft); border-radius: var(--radius-pill); padding: 2px 9px; margin-top: 6px; }
.pw-bars { grid-column: 1 / -1; display: flex; align-items: flex-end; gap: 10px; height: 84px; padding-top: 6px; }
.pw-bars span { flex: 1; border-radius: 5px 5px 0 0; background: var(--line); }
.pw-bars span.m { background: var(--mauve); }

/* ---- tools section ---- */
.tools { padding: 8px 0 70px; }
.tools h2.section { font-family: var(--font-body); font-weight: 600; font-size: 1.5rem; letter-spacing: -0.01em; margin: 0 0 18px; }
.tool-hero {
  display: grid; grid-template-columns: 1.3fr 1fr; gap: 0; align-items: stretch;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden; margin-bottom: 22px; box-shadow: var(--shadow-card);
}
.tool-hero .th-body { padding: 34px; }
.tool-hero .badge { display: inline-block; background: var(--plum-soft); color: var(--plum-dark); border-radius: var(--radius-pill); padding: 4px 12px; font-size: 0.74rem; font-weight: 600; margin-bottom: 14px; }
.tool-hero h3 { font-family: var(--font-display); font-weight: 400; font-size: 2.1rem; margin: 0 0 8px; letter-spacing: -0.01em; }
.tool-hero p { color: var(--muted); margin: 0 0 22px; max-width: 40ch; }
.tool-hero .th-art { background: radial-gradient(130% 120% at 75% 15%, var(--mauve), var(--plum)); display: grid; place-items: center; color: #f4e8ef; font-family: var(--font-display); font-size: 5.5rem; }
.calc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.calc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 20px; text-decoration: none; color: var(--ink); display: block; transition: border-color 0.15s ease; }
.calc:hover { border-color: var(--plum); }
.calc.soon { opacity: 0.6; }
.calc h3 { font-weight: 600; margin: 0 0 4px; font-size: 1.05rem; }
.calc p { color: var(--muted); font-size: 0.9rem; margin: 0 0 8px; }
.calc .soon-tag { font-size: 0.72rem; color: var(--plum-dark); font-weight: 600; }

/* ---- tool page hero ---- */
.hero { padding: 52px 0 20px; }
.hero h1 { font-family: var(--font-display); font-weight: 400; font-size: clamp(2.4rem, 6vw, 4rem); line-height: 1.0; letter-spacing: -0.015em; margin: 0 0 16px; max-width: 16ch; }
.hero p.lede { font-size: 1.15rem; }

/* ---- tool shell / dropzone ---- */
.tool-shell { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; margin-top: 26px; box-shadow: var(--shadow-card); }
.dropzone {
  display: block; border: 2px dashed #ccc3b2; border-radius: var(--radius);
  background: var(--surface-soft); padding: 44px 24px; text-align: center; cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.dropzone:hover, .dropzone.is-drag { border-color: var(--plum); background: var(--plum-soft); }
.dropzone .dz-mark { width: 48px; height: 48px; margin: 0 auto 14px; display: grid; place-items: center; border-radius: 50%; background: var(--ink); color: var(--canvas-2); }
.dropzone strong { display: block; font-size: 1.14rem; font-weight: 600; }
.dropzone .dz-hint { color: var(--muted); font-size: 0.95rem; margin-top: 4px; }
.dropzone input[type="file"] { display: none; }
.dz-filename { margin-top: 14px; font-weight: 600; color: var(--plum-dark); }
.trust-line { display: flex; align-items: center; gap: 8px; color: var(--muted); font-size: 0.9rem; margin-top: 16px; }
.trust-line svg { flex: none; }

/* ---- htmx loading ---- */
.htmx-indicator { display: none; }
.htmx-request .htmx-indicator { display: inline-flex; }
.spinner { width: 16px; height: 16px; border-radius: 50%; border: 2px solid rgba(243,239,232,0.35); border-top-color: var(--canvas-2); animation: spin 0.7s linear infinite; display: inline-block; vertical-align: -3px; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---- result ---- */
#result:not(:empty) { margin-top: 30px; }
.result-in { animation: rise 0.35s ease both; }
@keyframes rise { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .result-in { animation: none; } }

.verdict { background: var(--ink); color: var(--canvas-2); border-radius: var(--radius); padding: 32px 32px 28px; box-shadow: var(--shadow-card); }
.verdict .verdict-eyebrow { color: var(--mauve); font-weight: 500; margin: 0 0 8px; }
.verdict .verdict-amount { font-family: var(--font-body); font-weight: 700; font-size: clamp(2.3rem, 7vw, 3.5rem); line-height: 1.02; letter-spacing: -0.02em; color: #fff; }
.verdict .verdict-amount em { font-style: normal; color: #e9cede; }
.verdict .verdict-sub { color: #c9c2b6; margin-top: 12px; font-size: 1.02rem; }

.regimes { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 16px; }
.regime { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-card); }
.regime.is-winner { border-color: var(--plum); box-shadow: 0 0 0 1px var(--plum) inset, var(--shadow-card); }
.regime h3 { font-family: var(--font-body); font-weight: 600; margin: 0 0 2px; font-size: 1.1rem; }
.regime .winner-tag { display: inline-block; font-size: 0.72rem; font-weight: 600; color: var(--plum-dark); background: var(--plum-soft); border-radius: var(--radius-pill); padding: 3px 10px; margin-bottom: 12px; }
.regime .big { font-weight: 700; font-size: 1.9rem; letter-spacing: -0.01em; }
.regime .muted-tag { color: var(--muted); font-size: 0.85rem; visibility: hidden; }
.rows { margin-top: 14px; border-top: 1px solid var(--line-2); }
.rows .row { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line-2); font-size: 0.95rem; }
.rows .row span:first-child { color: var(--muted); }
.rows .row.payable { font-weight: 600; color: var(--ink); }

/* ---- opportunities ---- */
.opps { margin-top: 28px; }
.opps h2 { font-family: var(--font-body); font-weight: 600; font-size: 1.4rem; margin: 0 0 4px; letter-spacing: -0.01em; }
.opps .opps-note { color: var(--muted); margin: 0 0 16px; font-size: 0.95rem; max-width: 62ch; }
.opp { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 16px; background: var(--plum-soft); border: 1px solid var(--plum-line); border-left: 4px solid var(--plum); border-radius: var(--radius-sm); padding: 16px 18px; margin-bottom: 12px; }
.opp .opp-label { font-weight: 600; }
.opp .opp-detail { color: var(--plum-dark); font-size: 0.92rem; margin-top: 3px; }
.opp .opp-save { color: var(--plum-dark); font-weight: 700; }
.opp .btn { white-space: nowrap; }

.save-box { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; margin-top: 26px; padding: 20px 22px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-card); }
.save-box form { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; width: 100%; }
.save-box.saved { background: var(--plum-soft); border-color: var(--plum-line); }
.save-copy { display: flex; flex-direction: column; gap: 2px; }
.save-copy strong { font-size: 1.05rem; }
.save-copy span { color: var(--muted); font-size: 0.92rem; }
.save-actions { display: flex; gap: 10px; }

.disclaimer { color: var(--muted); font-size: 0.82rem; margin-top: 22px; line-height: 1.5; }
.restart { margin-top: 20px; }

/* ---- manual form ---- */
.callout { background: var(--plum-soft); border: 1px solid var(--plum-line); border-radius: var(--radius-sm); padding: 14px 16px; color: var(--plum-dark); margin-bottom: 20px; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-weight: 500; font-size: 0.92rem; }
.field .hint { color: var(--muted); font-size: 0.82rem; }
.field input, .field select { font: inherit; padding: 11px 12px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--surface); color: var(--ink); }
.field input:focus, .field select:focus { outline: 2px solid var(--plum); outline-offset: 1px; border-color: transparent; }

.error-box { background: #fbeeeb; border: 1px solid #e6c6bd; border-left: 4px solid var(--danger); border-radius: var(--radius-sm); padding: 16px 18px; color: #7a2c1f; }

/* ---- calculators ---- */
.calc-page { padding: 48px 0 70px; }
.hero-h1 { font-family: var(--font-display); font-weight: 400; font-size: clamp(2.2rem, 5vw, 3.4rem); line-height: 1.02; letter-spacing: -0.015em; margin: 0 0 10px; }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 26px; align-items: start; }
.calc-field { margin-bottom: 22px; }
.calc-field:last-child { margin-bottom: 0; }
.calc-field-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 10px; }
.calc-field label { font-weight: 500; font-size: 0.95rem; }
.calc-input-wrap { display: inline-flex; align-items: center; gap: 4px; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 6px 12px; background: var(--surface-soft); }
.calc-input-wrap .adorn { color: var(--muted); font-size: 0.9rem; }
.calc-num { border: none; background: none; outline: none; font: inherit; font-weight: 600; width: 110px; text-align: right; color: var(--ink); }
.calc-range { width: 100%; -webkit-appearance: none; appearance: none; height: 6px; border-radius: 999px; background: var(--line); outline: none; }
.calc-range::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--plum); cursor: pointer; border: 3px solid var(--surface); box-shadow: 0 1px 4px rgba(27,23,18,0.25); }
.calc-range::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--plum); cursor: pointer; border: 3px solid var(--surface); }

.calc-result { display: flex; flex-direction: column; }
.calc-primary { text-align: center; padding-bottom: 18px; border-bottom: 1px solid var(--line-2); }
.calc-primary-label { color: var(--muted); font-size: 0.92rem; }
.calc-primary-value { font-size: clamp(2rem, 5vw, 2.9rem); font-weight: 700; letter-spacing: -0.02em; margin-top: 4px; }
.calc-donut-row { display: flex; align-items: center; gap: 22px; padding: 22px 0; border-bottom: 1px solid var(--line-2); }
.calc-donut { width: 118px; height: 118px; border-radius: 50%; flex: none; background: conic-gradient(var(--mauve) 0 60%, var(--plum) 60% 100%); position: relative; }
.calc-donut::after { content: ""; position: absolute; inset: 24px; border-radius: 50%; background: var(--surface); }
.calc-legend2 { display: flex; flex-direction: column; gap: 8px; font-size: 0.9rem; }
.calc-legend2 .sw { display: inline-block; width: 11px; height: 11px; border-radius: 3px; margin-right: 8px; vertical-align: -1px; }
.calc-legend2 .sw.a { background: var(--mauve); }
.calc-legend2 .sw.b { background: var(--plum); }
.calc-rows { padding-top: 14px; }
.calc-rows .crow { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line-2); font-size: 0.95rem; }
.calc-rows .crow span:first-child { color: var(--muted); }
.calc-rows .crow.strong { font-weight: 700; font-size: 1.05rem; color: var(--ink); }
.calc-rows .crow.strong span:first-child { color: var(--ink); }
.calc-other { margin-top: 46px; }
.calc-cat { font-family: var(--font-body); font-weight: 600; font-size: 1.05rem; color: var(--muted); margin: 26px 0 12px; }

/* ---- SplitQR ---- */
.split-page { padding: 48px 0 40px; }
.split-page .hero-h1 em { font-style: italic; color: var(--plum); }
/* stepper */
.stepper { display: flex; align-items: center; gap: 10px; margin-bottom: 22px; flex-wrap: wrap; }
.stepper .step { display: inline-flex; align-items: center; gap: 8px; color: var(--muted); font-weight: 600; font-size: 0.95rem; }
.stepper .step + .step::before { content: ""; }
.step-num { width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; background: var(--line); color: var(--muted); font-size: 0.8rem; }
.stepper .step.is-active { color: var(--ink); }
.stepper .step.is-active .step-num { background: var(--plum); color: #fff; }
.stepper .step.is-done .step-num { background: var(--plum-soft); color: var(--plum-dark); }
.stepper .step:not(:last-child)::after { content: ""; width: 26px; height: 2px; background: var(--line); border-radius: 2px; margin-left: 2px; }

.scan-note { display: block; margin-top: 8px; font-weight: 600; color: var(--plum-dark); }
.upi-scan { margin-bottom: 4px; }
.scanner { position: relative; max-width: 340px; margin: 0 auto 14px; aspect-ratio: 1 / 1; background: #0d0d0d; border-radius: var(--radius); overflow: hidden; }
.scanner video { width: 100%; height: 100%; object-fit: cover; display: block; }
.scan-frame { position: absolute; inset: 16%; border: 3px solid rgba(255, 255, 255, 0.9); border-radius: 18px; pointer-events: none; }
.scan-overlay { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; text-align: center; padding: 24px; background: rgba(13, 13, 13, 0.55); }
.scan-state { display: flex; flex-direction: column; align-items: center; gap: 12px; color: #f4f1ea; }
.scan-state p { margin: 0; font-size: 0.92rem; max-width: 26ch; line-height: 1.45; color: #e6e2d8; }
.scan-hint { font-size: 0.85rem !important; color: #b9b4a8 !important; }
.scan-badge { width: 52px; height: 52px; border-radius: 50%; display: grid; place-items: center; background: rgba(138, 79, 116, 0.25); color: var(--mauve); }

.scan-actions { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }
.pill-btn { display: inline-flex; align-items: center; gap: 7px; font: inherit; font-size: 0.9rem; font-weight: 600; color: var(--ink); background: var(--surface-soft); border: 1px solid var(--line); border-radius: var(--radius-pill); padding: 9px 16px; cursor: pointer; }
.pill-btn:hover { border-color: var(--plum); color: var(--plum-dark); }
.pill-btn svg { opacity: 0.75; }

.privacy-note { display: flex; align-items: flex-start; gap: 10px; margin-top: 18px; padding: 14px 16px; background: var(--plum-soft); border: 1px solid var(--plum-line); border-radius: var(--radius-sm); color: var(--plum-dark); font-size: 0.9rem; line-height: 1.5; }
.privacy-note svg { flex: none; margin-top: 1px; }
.split-summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin: 30px 0 18px; padding: 18px 22px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-card); }
.split-summary strong { display: block; font-size: 1.05rem; }
.split-summary span { color: var(--muted); font-size: 0.9rem; }
.split-progress { font-weight: 600; color: var(--plum-dark); background: var(--plum-soft); border-radius: var(--radius-pill); padding: 8px 14px; white-space: nowrap; }
.qr-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 16px; }
.qr-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; box-shadow: var(--shadow-card); transition: opacity 0.15s ease; }
.qr-card.is-paid { opacity: 0.5; }
.qr-card.is-paid .qr-img { filter: grayscale(1); }
.qr-head { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 12px; }
.qr-idx { color: var(--muted); font-weight: 600; font-size: 0.9rem; }
.qr-amt { font-weight: 700; font-size: 1.3rem; letter-spacing: -0.01em; }
.qr-img { background: #fff; border: 1px solid var(--line-2); border-radius: var(--radius-sm); padding: 10px; }
.qr-img svg { display: block; width: 100%; height: auto; }
.qr-actions { display: flex; gap: 8px; margin-top: 14px; }
.qr-actions .btn { flex: 1; padding: 9px 10px; font-size: 0.88rem; }
.qr-card.is-paid .qr-paid-btn { background: var(--plum); color: #fff; }

/* ---- utility tools ---- */
.ifsc-card { margin-top: 20px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-card); overflow: hidden; }
.ifsc-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 18px 22px; background: var(--plum-soft); border-bottom: 1px solid var(--plum-line); }
.ifsc-head strong { font-size: 1.1rem; }
.ifsc-head span { color: var(--plum-dark); font-weight: 600; }
.ifsc-rows { padding: 4px 22px 14px; }
.irow { display: grid; grid-template-columns: 130px 1fr; gap: 14px; padding: 11px 0; border-bottom: 1px solid var(--line-2); font-size: 0.95rem; }
.irow:last-child { border-bottom: none; }
.irow span:first-child { color: var(--muted); }
.cheque-words { margin-top: 20px; background: var(--plum-soft); border: 1px solid var(--plum-line); border-radius: var(--radius); padding: 22px 24px; }
.cheque-label { color: var(--plum-dark); font-size: 0.85rem; font-weight: 600; margin-bottom: 6px; }
.cheque-value { font-family: var(--font-display); font-size: 1.5rem; line-height: 1.3; color: var(--ink); }

/* ---- auth ---- */
.auth-wrap { max-width: 440px; margin: 40px auto 80px; padding: 0 24px; }
.auth-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 34px 30px; box-shadow: var(--shadow-card); }
.auth-card h1 { font-family: var(--font-display); font-weight: 400; font-size: 2.2rem; letter-spacing: -0.01em; margin: 0 0 6px; }
.auth-card .auth-sub { color: var(--muted); margin: 0 0 24px; }
.auth-card .field { margin-bottom: 16px; }
.auth-card .btn-block { margin-top: 8px; }
.auth-alt { text-align: center; color: var(--muted); font-size: 0.92rem; margin-top: 18px; }
.auth-alt a { color: var(--plum); font-weight: 500; }
.auth-legal { color: var(--muted); font-size: 0.78rem; margin-top: 16px; line-height: 1.5; text-align: center; }

/* ---- legal ---- */
.legal { max-width: 720px; padding: 48px 0 70px; }
.legal .hero-h1 { margin-bottom: 6px; }
.legal-updated { color: var(--muted); font-size: 0.9rem; margin: 0 0 24px; }
.legal h2 { font-family: var(--font-body); font-weight: 600; font-size: 1.25rem; margin: 28px 0 10px; }
.legal p, .legal li { color: var(--ink-2); line-height: 1.65; }
.legal ul { padding-left: 20px; }
.legal li { margin-bottom: 8px; }
.legal-note { color: var(--muted); font-size: 0.88rem; margin-top: 28px; border-top: 1px solid var(--line); padding-top: 16px; }

/* ---- footer ---- */
.site-footer { background: var(--ink); color: #b7afa3; margin-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 32px; padding: 52px 24px 36px; }
.footer-brand .brand { color: #f6f1ea; font-size: 2.1rem; }
.footer-brand .wordmark { --fx-in: #d6a8c5; --fx-out: var(--plum); }
.footer-brand p { color: #a49c90; max-width: 34ch; margin: 14px 0 0; font-size: 0.92rem; line-height: 1.65; }
.footer-col h4 { color: #fff; font-family: var(--font-body); font-size: 0.8rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; margin: 4px 0 14px; }
.footer-col a { display: block; color: #b7afa3; text-decoration: none; font-size: 0.92rem; padding: 6px 0; transition: color 0.12s ease; }
.footer-col a:hover { color: var(--mauve); }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.08); }
.footer-bottom-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding: 20px 24px; color: #8f877b; font-size: 0.85rem; }

@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 26px; padding: 40px 24px 28px; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
  .regimes, .field-grid, .tool-hero, .calc-grid, .pw-body { grid-template-columns: 1fr; }
  .tool-hero .th-art { min-height: 130px; }
  .opp { grid-template-columns: 1fr; }
  .opp .btn { width: 100%; }
  .site-nav { gap: 16px; }
  .site-nav a.nav-link { display: none; }
}

/* ---- SEO/AEO content: breadcrumbs, formula, FAQ ---- */
.crumbs {
  font-size: 0.85rem; color: var(--muted);
  margin: 0 0 10px; display: flex; gap: 8px; flex-wrap: wrap; align-items: center;
}
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--plum); }
.crumbs span[aria-hidden] { opacity: 0.5; }

.calc-explain { margin: 40px 0 8px; max-width: 760px; }
.calc-explain .formula {
  background: var(--plum-soft); border: 1px solid var(--plum-line);
  border-radius: var(--radius-sm); padding: 16px 18px; margin: 0;
  font-size: 0.98rem; line-height: 1.6; color: var(--ink-2);
}

.faq { max-width: 760px; margin: 8px auto 72px; padding: 0 24px; }
.faq .section { margin-bottom: 8px; }
.faq-list { margin: 0; }
.faq-item {
  border-top: 1px solid var(--line);
  padding: 18px 0;
}
.faq-item:last-child { border-bottom: 1px solid var(--line); }
.faq-item dt {
  font-weight: 600; font-size: 1.04rem; color: var(--ink);
  margin: 0 0 8px;
}
.faq-item dd {
  margin: 0; color: var(--ink-2); line-height: 1.7; font-size: 0.96rem;
}