:root {
  --ink: #131a3a;
  --muted: #68718a;
  --line: #dfe3ee;
  --paper: #ffffff;
  --wash: #f5f6fb;
  --violet: #5459cf;
  --violet-dark: #32377f;
  --mint: #dff5ea;
  --mint-ink: #25634d;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--wash);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}
a { color: inherit; }
.shell { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
}
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { font-weight: 800; font-size: 1.35rem; text-decoration: none; letter-spacing: -.03em; }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a { text-decoration: none; color: var(--muted); font-weight: 650; }
.nav-links a:hover { color: var(--ink); }
.status-pill { display: inline-flex; align-items: center; gap: 8px; padding: 8px 12px; border-radius: 999px; background: var(--mint); color: var(--mint-ink); font-size: .85rem; font-weight: 750; }
.status-pill::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #43a978; }
.hero { padding: 92px 0 76px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 72px; align-items: center; }
.eyebrow { margin: 0 0 18px; color: var(--violet); text-transform: uppercase; letter-spacing: .17em; font-size: .78rem; font-weight: 800; }
h1, h2, h3 { margin-top: 0; letter-spacing: -.045em; line-height: 1.08; }
h1 { max-width: 720px; margin-bottom: 24px; font-size: clamp(3rem, 6.7vw, 5.7rem); }
h2 { font-size: clamp(2rem, 4vw, 3.5rem); }
h3 { font-size: 1.24rem; }
.lede { max-width: 660px; margin: 0; color: var(--muted); font-size: clamp(1.15rem, 2vw, 1.42rem); }
.hero-note { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 11px; }
.hero-note span { padding: 9px 13px; border: 1px solid var(--line); border-radius: 999px; background: white; color: var(--muted); font-weight: 650; }
.payback-card {
  position: relative;
  padding: 34px;
  border-radius: 32px;
  color: white;
  background: linear-gradient(145deg, var(--violet-dark), #5d62db);
  box-shadow: 0 24px 70px rgba(50,55,127,.24);
}
.payback-card::after { content: ""; position: absolute; width: 230px; height: 230px; right: -80px; bottom: -110px; border: 1px solid rgba(255,255,255,.18); border-radius: 50%; }
.card-label { margin: 0 0 18px; text-transform: uppercase; letter-spacing: .16em; font-size: .75rem; font-weight: 800; opacity: .72; }
.cost-contrast { display: grid; gap: 12px; margin-bottom: 28px; }
.cost-contrast div { padding: 15px 17px; border: 1px solid rgba(255,255,255,.16); border-radius: 16px; background: rgba(255,255,255,.08); }
.cost-contrast div:last-child { color: #dff8eb; background: rgba(85,199,144,.16); }
.cost-contrast span { display: block; margin-bottom: 3px; text-transform: uppercase; letter-spacing: .12em; font-size: .68rem; font-weight: 800; opacity: .7; }
.cost-contrast strong { display: block; font-size: 1rem; line-height: 1.35; }
.payback-label { margin-top: 0; margin-bottom: 4px; }
.payment { margin: 0; font-size: 3.2rem; font-weight: 760; letter-spacing: -.05em; }
.frequency { margin: 2px 0 30px; opacity: .72; }
.bar { height: 12px; background: rgba(255,255,255,.16); border-radius: 999px; overflow: hidden; }
.bar span { display: block; height: 100%; width: 62%; border-radius: inherit; background: #94e1bc; }
.progress-copy { display: flex; justify-content: space-between; gap: 20px; margin-top: 12px; font-size: .92rem; }
.card-principle { margin: 30px 0 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.17); font-size: 1.08rem; font-weight: 680; }
.section { padding: 82px 0; }
.section.white { background: var(--paper); }
.section-heading { max-width: 720px; margin-bottom: 44px; }
.section-heading p:not(.eyebrow) { color: var(--muted); font-size: 1.12rem; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.step, .boundary, .account-card { border: 1px solid var(--line); background: white; border-radius: 24px; }
.step { padding: 28px; }
.step-number { display: inline-grid; place-items: center; width: 42px; height: 42px; margin-bottom: 28px; border-radius: 13px; color: white; background: var(--violet); font-weight: 800; }
.step p, .boundary p, .account-card p { margin-bottom: 0; color: var(--muted); }
.accounts { display: grid; grid-template-columns: 1fr 64px 1fr; gap: 20px; align-items: stretch; }
.account-card { padding: 30px; }
.account-card strong { display: block; margin-bottom: 8px; font-size: 1.35rem; }
.account-tag { display: inline-block; margin-bottom: 28px; color: var(--violet); text-transform: uppercase; letter-spacing: .13em; font-size: .74rem; font-weight: 850; }
.account-arrow { align-self: center; justify-self: center; display: grid; place-items: center; width: 52px; height: 52px; border-radius: 50%; color: var(--violet); background: #e9eaff; font-size: 1.45rem; }
.principle-band { margin-top: 28px; padding: 23px 26px; border-radius: 20px; color: var(--mint-ink); background: var(--mint); font-size: 1.05rem; font-weight: 700; text-align: center; }
.boundaries { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.boundary { padding: 26px; }
.boundary strong { display: block; margin-bottom: 8px; font-size: 1.1rem; }
.cta { padding: 64px 0 82px; }
.cta-card { padding: 52px; border-radius: 30px; color: white; background: var(--ink); text-align: center; }
.cta-card h2 { margin-bottom: 16px; }
.cta-card p { max-width: 650px; margin: 0 auto; color: #c6cbe0; font-size: 1.1rem; }
.site-footer { border-top: 1px solid var(--line); padding: 28px 0 42px; color: var(--muted); }
.footer-row { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer-links { display: flex; gap: 20px; }
.footer-links a { color: var(--muted); }
.legal { min-height: 100vh; background: white; }
.legal main { width: min(780px, calc(100% - 40px)); margin: 0 auto; padding: 72px 0 100px; }
.legal h1 { font-size: clamp(2.5rem, 7vw, 4.5rem); }
.legal h2 { margin-top: 42px; font-size: 1.55rem; }
.legal p, .legal li { color: #4f5870; }
.legal .updated { color: var(--violet); font-weight: 700; }

@media (max-width: 800px) {
  .shell { width: min(100% - 28px, 680px); }
  .nav { min-height: 68px; }
  .nav-links a:not(.status-pill) { display: none; }
  .hero { padding: 62px 0 54px; }
  .hero-grid { grid-template-columns: 1fr; gap: 42px; }
  h1 { font-size: clamp(2.85rem, 14vw, 4.7rem); }
  .section { padding: 62px 0; }
  .steps, .boundaries { grid-template-columns: 1fr; }
  .accounts { grid-template-columns: 1fr; }
  .account-arrow { transform: rotate(90deg); }
  .cta-card { padding: 38px 24px; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }