/* anton.capital. Layout: 12-col grid hung from cols 1, 5, 8; one object (the building column with its LVR line) carries the concept. */
:root {
  --ground: #E8EBE7;
  --ground-2: #DEE3DE;
  --ink: #0F1413;
  --muted: #4B5552;
  --line: rgba(15, 20, 19, 0.16);
  --line-strong: rgba(15, 20, 19, 0.52); /* 3.5:1 on both grounds: control edges need 3:1 */
  --accent: #1838C9;
  --accent-ink: #FFFFFF;
  --accent-deep: #0F2894;
  --above: #B4381A;
  --above-soft: rgba(180, 56, 26, 0.12);

  --f-sans: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --f-mono: "IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;

  --t-mega: clamp(3rem, 1.2rem + 6.6vw, 7.75rem);
  --t-xl: clamp(2.25rem, 1.2rem + 4.2vw, 5rem);
  --t-l: clamp(1.625rem, 1.15rem + 1.9vw, 2.875rem);
  --t-m: clamp(1.1875rem, 1.05rem + 0.55vw, 1.5rem);
  --t-body: clamp(1rem, 0.96rem + 0.18vw, 1.0625rem);
  --t-s: 0.875rem;
  --t-xs: 0.75rem;

  --gutter: clamp(16px, 2vw, 32px);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-soft: cubic-bezier(0.215, 0.61, 0.355, 1);
  --max-lvr: 0.7;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
html.lenis, html.lenis body { height: auto; }
.lenis.lenis-smooth { scroll-behavior: auto !important; }
body {
  margin: 0; background: var(--ground); color: var(--ink);
  font-family: var(--f-sans); font-size: var(--t-body); line-height: 1.55; font-stretch: 100%;
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
}
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--ground); }
::selection { background: var(--accent); color: var(--accent-ink); }
img { max-width: 100%; display: block; }
h1, h2, h3, h4 { margin: 0; font-weight: 700; line-height: 1; letter-spacing: -0.02em; text-wrap: balance; }
p { margin: 0; }
a { color: inherit; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }
.fig { font-family: var(--f-mono); font-variant-numeric: tabular-nums; letter-spacing: 0; }
.ph { text-decoration: underline dotted 1.5px; text-underline-offset: 0.18em; text-decoration-color: var(--above); }
.vh { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.skip { position: fixed; left: 0; right: 0; top: env(safe-area-inset-top, 0px); z-index: 100; display: flex; align-items: center; min-height: 64px; padding: 0 max(var(--gutter), env(safe-area-inset-left, 0px)); background: var(--ink); color: var(--ground); font-weight: 600; text-decoration: none; translate: 0 -200%; transition: translate .3s var(--ease-out); }
.skip:focus { translate: 0 0; }

.wrap {
  max-width: 1560px; margin-inline: auto;
  padding-left: max(var(--gutter), env(safe-area-inset-left, 0px));
  padding-right: max(var(--gutter), env(safe-area-inset-right, 0px));
}
.grid { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); }

/* Buttons: a level that floods upward */
.btn {
  position: relative; isolation: isolate; overflow: hidden;
  display: inline-flex; align-items: center; gap: 12px;
  min-height: 52px; padding: 0 26px; border-radius: 0;
  font: 600 1rem/1 var(--f-sans); text-decoration: none; cursor: pointer;
  border: 1.5px solid var(--ink); background: transparent; color: var(--ink);
  transition: color .35s var(--ease-soft), border-color .35s var(--ease-soft);
}
.btn::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .5s var(--ease-out); }
.btn .arr { width: 18px; height: 18px; flex: none; transition: translate .45s var(--ease-out); }
.btn--solid { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
.btn--solid::before { background: var(--ink); }
@media (hover: hover) {
  .btn:hover { color: var(--ground); }
  .btn--solid:hover { color: var(--accent-ink); border-color: var(--ink); }
  .btn:hover::before { transform: scaleY(1); }
  .btn:hover .arr { translate: 0 -4px; }
}
.btn:focus-visible { color: var(--ground); }
.btn--solid:focus-visible { color: var(--accent-ink); }
.btn:focus-visible::before, .btn:active::before { transform: scaleY(1); }
.btn:active { color: var(--ground); }
.btn--solid:active { color: var(--accent-ink); }
.btn--light { border-color: var(--accent-ink); color: var(--accent-ink); }
.btn--light::before { background: var(--accent-ink); }
@media (hover: hover) { .btn--light:hover { color: var(--accent); } }
.btn--light:focus-visible, .btn--light:active { color: var(--accent); }

/* Text link with an underline at rest that rises into a band */
.link { text-decoration: none; background: linear-gradient(var(--accent) 0 0) left 100% / 100% 1.5px no-repeat; padding-bottom: 1px; transition: background-size .4s var(--ease-out), color .3s; }
@media (hover: hover) { .link:hover { background-size: 100% 100%; color: var(--accent-ink); } }
.link:focus-visible { background-size: 100% 100%; color: var(--accent-ink); }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: var(--ground); border-bottom: 1px solid var(--line); transition: translate .6s var(--ease-out); }
html.header-away .site-header { translate: 0 -105%; }
.site-header .wrap { display: flex; align-items: center; gap: 28px; min-height: 64px; }
.wordmark { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-stretch: 125%; font-size: 1.0625rem; letter-spacing: -0.02em; text-decoration: none; }
.wordmark .mark { width: 14px; height: 22px; border: 1.5px solid currentColor; position: relative; flex: none; }
.wordmark .mark::after { content: ""; position: absolute; inset: auto 0 0 0; height: 70%; background: var(--accent); }
.nav { display: flex; gap: 6px; margin-left: auto; }
.nav a { position: relative; isolation: isolate; overflow: hidden; display: inline-flex; align-items: center; min-height: 40px; padding: 0 12px; font-size: var(--t-s); font-weight: 500; text-decoration: none; color: var(--ink); transition: color .3s var(--ease-soft); }
.nav a::before { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 100%; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .45s var(--ease-out); }
.nav a::after { content: ""; position: absolute; left: 12px; right: 12px; bottom: 8px; height: 1.5px; background: var(--accent); transform: scaleX(0); transform-origin: left; }
.nav a[aria-current="page"]::after { transform: scaleX(1); }
@media (hover: hover) { .nav a:hover { color: var(--ground); } .nav a:hover::before { transform: scaleY(1); } }
.nav a:focus-visible { color: var(--ground); } .nav a:focus-visible::before { transform: scaleY(1); }
.header-cta { min-height: 42px; padding: 0 18px; font-size: var(--t-s); }
.menu-btn { display: none; margin-left: auto; min-height: 44px; padding: 0 16px; border: 1.5px solid var(--ink); border-radius: 0; background: none; color: var(--ink); font: 600 var(--t-s) var(--f-sans); cursor: pointer; }
@media (max-width: 860px) {
  .nav, .header-cta { display: none; }
  .menu-btn { display: inline-flex; align-items: center; }
}

/* Full-screen menu */
.menu { position: fixed; inset: 0; z-index: 70; background: var(--accent); color: var(--accent-ink); display: flex; flex-direction: column; padding: calc(16px + env(safe-area-inset-top, 0px)) max(var(--gutter), env(safe-area-inset-right, 0px)) calc(24px + env(safe-area-inset-bottom, 0px)) max(var(--gutter), env(safe-area-inset-left, 0px)); }
.menu[hidden] { display: none; }
.menu__top { display: flex; justify-content: space-between; align-items: center; min-height: 48px; }
.menu__close { min-height: 44px; padding: 0 16px; border: 1.5px solid currentColor; border-radius: 0; background: none; color: inherit; font: 600 var(--t-s) var(--f-sans); cursor: pointer; }
.menu ul { list-style: none; margin: auto 0 0; padding: 0; display: grid; gap: 4px; }
.menu li { overflow: hidden; }
.menu ul a { display: block; font-size: clamp(2.5rem, 12vw, 4.5rem); font-weight: 800; font-stretch: 125%; letter-spacing: -0.04em; line-height: 1.05; text-decoration: none; padding: 4px 0; }
.menu__foot { margin-top: 32px; font-size: var(--t-s); opacity: .85; }

/* The column (the one object) */
.column { --level: 0.7; --read: 0; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 14px; align-items: stretch; touch-action: pan-y; }
.column__scale { position: relative; width: 34px; font: 500 var(--t-xs)/1 var(--f-mono); color: var(--muted); }
.column__scale span { position: absolute; right: 0; translate: 0 50%; }
.column__body { position: relative; height: var(--h, clamp(380px, 64vh, 640px)); border: 1.5px solid var(--ink); border-top-width: 6px; background:
  repeating-linear-gradient(to top, transparent 0 calc(10% - 1px), var(--line) calc(10% - 1px) 10%); }
.column__body::before { content: ""; position: absolute; left: -1.5px; right: -26px; bottom: -1.5px; height: 1.5px; background: var(--ink); }
.column__fill { position: absolute; inset: auto 0 0 0; height: 100%; background: var(--accent); transform-origin: 50% 100%; transform: scaleY(var(--level)); }
.column__fill::after { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(to top, transparent 0 calc(10% - 1px), rgba(255,255,255,.18) calc(10% - 1px) 10%); }
.column__over { position: absolute; left: 0; right: 0; bottom: calc(var(--max-lvr) * 100%); height: calc(max(0, var(--read) - var(--max-lvr)) * 100%); background: repeating-linear-gradient(-45deg, var(--above) 0 2px, transparent 2px 9px); opacity: .7; pointer-events: none; }
.column__line { position: absolute; left: -10px; right: -10px; bottom: calc(var(--max-lvr) * 100%); height: 2px; background: var(--ink); }
.column__line-label { position: absolute; right: 0; bottom: 8px; display: inline-flex; gap: 8px; align-items: baseline; padding: 4px 8px; background: var(--ink); color: var(--ground); font: 500 var(--t-xs)/1.2 var(--f-mono); white-space: nowrap; }
.column__reading { position: absolute; left: 0; right: 0; bottom: calc(var(--read) * 100%); height: 0; border-top: 1px dashed var(--ink); opacity: 0; transition: opacity .25s; pointer-events: none; }
.column__reading span { position: absolute; left: 8px; bottom: 6px; padding: 3px 7px; background: var(--ground); border: 1px solid var(--ink); font: 500 var(--t-xs)/1.2 var(--f-mono); white-space: nowrap; }
.column.is-reading .column__reading { opacity: 1; }
.column.is-over .column__reading span { background: var(--above); border-color: var(--above); color: #fff; }

/* Hero */
.hero { padding-block: clamp(36px, 6vw, 88px) clamp(48px, 7vw, 104px); }
.hero .grid { align-items: end; row-gap: 48px; }
.hero__text { grid-column: 1 / span 8; min-width: 0; }
.hero h1 { font-size: var(--t-mega); font-weight: 800; font-stretch: 125%; letter-spacing: -0.045em; line-height: 0.9; margin-left: -0.05em; }
.hero h1 .line { display: block; }
.hero__lead { margin-top: clamp(24px, 3vw, 40px); max-width: 40rem; font-size: var(--t-m); line-height: 1.45; color: var(--ink); }
.hero__lead em { font-style: normal; color: var(--muted); }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.hero__fig { grid-column: 9 / span 4; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 18px; align-items: end; min-width: 0; }
.hero__fig .column { --h: clamp(380px, 66vh, 640px); }
.figures { margin: 0; display: grid; gap: 14px; padding-bottom: 2px; min-width: 9.5rem; }
.figures div { border-top: 1px solid var(--line-strong); padding-top: 6px; }
.figures dt { font-size: var(--t-xs); color: var(--muted); }
.figures dd { margin: 2px 0 0; font: 500 1.0625rem/1.2 var(--f-mono); font-variant-numeric: tabular-nums; }
.figures .is-loan dd { color: var(--accent); }
.hero__hint { grid-column: 9 / span 4; font-size: var(--t-s); color: var(--muted); margin-top: -32px; }
@media (max-width: 1080px) {
  .hero__text { grid-column: 1 / -1; }
  .hero__fig { grid-column: 1 / span 8; }
  .hero__hint { grid-column: 1 / span 8; }
}
@media (max-width: 640px) {
  .hero__fig { grid-column: 1 / -1; }
  .hero__fig .column { --h: 340px; }
  .hero__hint { grid-column: 1 / -1; }
  .hero h1 { letter-spacing: -0.04em; }
}

/* Statement */
.statement { padding-block: clamp(72px, 10vw, 152px) clamp(24px, 3vw, 48px); border-top: 1px solid var(--line); }
.statement p.big { grid-column: 3 / span 9; font-size: var(--t-l); font-weight: 500; line-height: 1.18; letter-spacing: -0.02em; text-indent: 2.4em; }
.statement p.big strong { font-weight: 800; color: var(--accent); }
.statement .small { grid-column: 3 / span 5; margin-top: 36px; color: var(--muted); max-width: 34rem; }
@media (max-width: 860px) { .statement p.big, .statement .small { grid-column: 1 / -1; } .statement p.big { text-indent: 0; } }

/* The line: index split by the rule */
.section { padding-block: clamp(64px, 8vw, 128px); }
.section__head { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); align-items: end; margin-bottom: clamp(32px, 4vw, 56px); }
.section__head h2 { grid-column: 1 / span 7; font-size: var(--t-xl); font-weight: 800; font-stretch: 125%; letter-spacing: -0.04em; line-height: 0.95; }
.section__head p { grid-column: 8 / span 5; color: var(--muted); max-width: 30rem; }
@media (max-width: 860px) { .section__head h2, .section__head p { grid-column: 1 / -1; } .section__head p { margin-top: 18px; } }

.split-list { list-style: none; margin: 0; padding: 0; }
.split-list li { border-top: 1px solid var(--line); }
.split-list .row { position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); align-items: baseline; padding-block: 20px; text-decoration: none; }
.split-list .row__title { grid-column: 1 / span 6; font-size: var(--t-m); font-weight: 700; letter-spacing: -0.015em; font-stretch: 110%; }
.split-list .row__desc { grid-column: 7 / span 4; color: var(--muted); font-size: var(--t-s); }
.split-list ul { list-style: none; margin: 0 -16px; padding: 0; }
.split-list ul li { margin: 0 16px; }
.split-list ul .row { margin: 0 -16px; padding-inline: 16px; }
.split-list .row__fig { grid-column: 11 / span 2; text-align: right; font-size: var(--t-s); font-weight: 500; }
.split-list a.row::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--accent); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .5s var(--ease-out); }
.split-list a.row > * { transition: color .3s var(--ease-soft), translate .5s var(--ease-out); }
@media (hover: hover) {
  .split-list a.row:hover::before { transform: scaleY(1); }
  .split-list a.row:hover > * { color: var(--accent-ink); }
}
.split-list a.row:focus-visible { outline-offset: -2px; }
.split-list a.row:focus-visible::before { transform: scaleY(1); }
.split-list a.row:focus-visible > * { color: var(--accent-ink); }
.split-list .above .row { color: var(--muted); }
.split-list .above .row__title { font-weight: 600; text-decoration: line-through; text-decoration-color: var(--above); text-decoration-thickness: 2px; }
.split-list .above .row__fig { color: var(--above); }
.the-line { position: relative; border-top: 0 !important; height: 0; }
.the-line::before { content: ""; position: absolute; left: calc(-1 * var(--gutter)); right: calc(-1 * var(--gutter)); top: -1px; height: 3px; background: var(--ink); transform-origin: left; transform: scaleX(var(--draw, 1)); }
.the-line span { position: absolute; right: 0; top: -14px; padding: 4px 10px; background: var(--ink); color: var(--ground); font: 500 var(--t-xs)/1.2 var(--f-mono); }
.split-list .label { display: block; padding: 32px 0 10px; font-size: var(--t-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.split-list .the-line + .label { padding-top: 40px; }
@media (max-width: 760px) {
  .split-list .row { grid-template-columns: minmax(0, 1fr) auto; row-gap: 4px; }
  .split-list .row__title { grid-column: 1; }
  .split-list .row__fig { grid-column: 2; grid-row: 1; }
  .split-list .row__desc { grid-column: 1 / -1; }
}

/* Scenario form */
.test { background: var(--ground-2); border-block: 1px solid var(--line); }
.test-form { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); row-gap: 40px; grid-template-areas: "panel panel panel panel panel . deal deal deal deal deal deal" "panel panel panel panel panel . you you you you you you"; }
.test-panel { grid-area: panel; align-self: start; position: sticky; top: calc(88px + env(safe-area-inset-top, 0px)); display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1fr); gap: 24px; align-items: end; }
.test-panel .column { --h: clamp(340px, 56vh, 520px); }
.fs-deal { grid-area: deal; } .fs-you { grid-area: you; }
@media (max-width: 960px) {
  .test-form { grid-template-areas: "deal" "panel" "you"; grid-template-columns: minmax(0, 1fr); }
  .test-panel { position: static; }
  .test-panel .column { --h: 300px; }
}
@media (max-width: 480px) { .test-panel { grid-template-columns: minmax(0, 0.8fr) minmax(0, 1fr); gap: 14px; } }
.verdict { display: grid; gap: 14px; align-content: end; }
.verdict__head { font-size: var(--t-m); font-weight: 700; line-height: 1.2; letter-spacing: -0.015em; }
.verdict__lvr { font: 500 clamp(2.5rem, 2rem + 2vw, 3.75rem)/1 var(--f-mono); font-variant-numeric: tabular-nums; letter-spacing: -0.03em; }
.verdict__lvr small { font-size: var(--t-s); color: var(--muted); letter-spacing: 0; margin-left: 6px; }
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--line-strong); }
.checks li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 8px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: var(--t-s); }
.checks .mk { width: 18px; height: 18px; margin-top: 2px; border: 1.5px solid var(--line-strong); }
.checks li[data-state="ok"] .mk { background: var(--accent); border-color: var(--accent); box-shadow: inset 0 0 0 3px var(--ground-2); }
.checks li[data-state="no"] .mk { background: repeating-linear-gradient(-45deg, var(--above) 0 2px, transparent 2px 5px); border-color: var(--above); }
.checks li[data-state="no"] { color: var(--above); }

fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
legend { padding: 0; margin-bottom: 18px; font-size: var(--t-m); font-weight: 700; letter-spacing: -0.015em; }
.fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
@media (max-width: 560px) { .fields { grid-template-columns: minmax(0, 1fr); } }
.field { display: grid; gap: 6px; min-width: 0; align-content: start; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: var(--t-s); font-weight: 600; }
.field .hint { font-size: var(--t-xs); color: var(--muted); }
.field .err { font-size: var(--t-xs); color: var(--above); font-weight: 600; }
.input { position: relative; }
.input .pre { position: absolute; left: 0; top: 50%; translate: 0 -50%; font: 500 1rem var(--f-mono); color: var(--muted); pointer-events: none; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 0; border: 0; border-bottom: 1.5px solid var(--line-strong); border-radius: 0;
  background: transparent; color: var(--ink); font: 400 1.0625rem/1.4 var(--f-sans); transition: border-color .25s;
}
.input .pre + input { padding-left: 16px; font-family: var(--f-mono); font-variant-numeric: tabular-nums; }
.field input.num { font-family: var(--f-mono); font-variant-numeric: tabular-nums; }
.field select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(-45deg, transparent 50%, var(--ink) 50%); background-position: calc(100% - 12px) 52%, calc(100% - 6px) 52%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 28px; }
.field textarea { min-height: 120px; resize: vertical; border: 1.5px solid var(--line-strong); padding: 12px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 1.5px 0 0 var(--accent); }
.field textarea:focus { box-shadow: none; outline: 2px solid var(--accent); outline-offset: 0; }
.field[data-invalid] input, .field[data-invalid] select, .field[data-invalid] textarea { border-color: var(--above); }
.check { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: 10px; align-items: start; font-size: var(--t-s); grid-column: 1 / -1; cursor: pointer; }
.check input { width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--accent); }
.form-actions { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; margin-top: 28px; }
.form-status { padding: 14px 16px; background: var(--accent); color: var(--accent-ink); font-weight: 600; font-size: var(--t-s); }
.form-status.is-warn { background: var(--above); }
.form-note { font-size: var(--t-xs); color: var(--muted); max-width: 32rem; }

/* Process ruler */
.ruler { position: relative; list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); column-gap: var(--gutter); }
.ruler::before { content: ""; position: absolute; left: 0; right: 0; top: 7px; height: 2px; background: var(--ink); transform-origin: left; transform: scaleX(var(--draw, 1)); }
.ruler li { position: relative; padding-top: 36px; display: grid; gap: 8px; align-content: start; }
.ruler li::before { content: ""; position: absolute; left: 0; top: 0; width: 16px; height: 16px; background: var(--ground); border: 2px solid var(--ink); }
.ruler li:last-child::before { background: var(--accent); border-color: var(--accent); }
.ruler .when { font: 500 var(--t-xs)/1.2 var(--f-mono); color: var(--muted); }
.ruler h3 { font-size: var(--t-m); letter-spacing: -0.015em; }
.ruler p { color: var(--muted); font-size: var(--t-s); max-width: 22rem; }
@media (max-width: 860px) {
  .ruler { grid-template-columns: minmax(0, 1fr); row-gap: 28px; padding-left: 32px; }
  .ruler::before { left: 7px; right: auto; top: 0; bottom: 0; width: 2px; height: auto; transform-origin: top; transform: scaleY(var(--draw, 1)); }
  .ruler li { padding-top: 0; }
  .ruler li::before { left: -32px; }
}

/* Notes (home preview and index) */
.notes-pair { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); row-gap: 32px; }
.feature { grid-column: 1 / span 7; position: relative; isolation: isolate; display: grid; align-content: space-between; gap: 48px; min-height: 440px; padding: clamp(24px, 3vw, 40px); background: var(--ink); color: var(--ground); text-decoration: none; overflow: hidden; }
.feature::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--accent); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .7s var(--ease-out); }
@media (hover: hover) { .feature:hover::before { transform: scaleY(1); } .feature:hover .arr { translate: 0 -6px; } }
.feature:focus-visible::before { transform: scaleY(1); }
.feature__meta { display: flex; justify-content: space-between; gap: 12px; font-size: var(--t-xs); }
.feature__meta .fig { opacity: .8; }
.feature h3 { font-size: var(--t-l); font-weight: 800; font-stretch: 115%; letter-spacing: -0.03em; line-height: 1.02; max-width: 16ch; }
.feature p { color: rgba(232, 235, 231, .78); max-width: 34rem; margin-top: 16px; }
.feature .sections { display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: var(--t-xs); color: rgba(232, 235, 231, .78); }
.feature .arr { width: 22px; height: 22px; transition: translate .5s var(--ease-out); }
.notes-list { grid-column: 9 / span 4; list-style: none; margin: 0; padding: 0; border-top: 1.5px solid var(--ink); }
.note-row a { margin: 0 -14px; padding-inline: 14px !important; }
@media (max-width: 960px) { .feature, .notes-list { grid-column: 1 / -1; } .feature { min-height: 360px; } }

.note-row { border-bottom: 1px solid var(--line); }
.note-row a { position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 16px; padding: 18px 0; text-decoration: none; }
.note-row a::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--accent); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .5s var(--ease-out); }
.note-row a > * { transition: color .3s var(--ease-soft); }
@media (hover: hover) { .note-row a:hover::before { transform: scaleY(1); } .note-row a:hover > *, .note-row a:hover .kind, .note-row a:hover .fig { color: var(--accent-ink); } }
.note-row a:focus-visible { outline-offset: -2px; }
.note-row a:focus-visible::before { transform: scaleY(1); }
.note-row a:focus-visible > *, .note-row a:focus-visible .kind, .note-row a:focus-visible .fig { color: var(--accent-ink); }
.kind { font-size: var(--t-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.note-row h3 { grid-column: 1 / -1; font-size: 1.1875rem; font-weight: 700; letter-spacing: -0.01em; line-height: 1.25; }
.note-row .fig { font-size: var(--t-xs); color: var(--muted); }
.mini { --v: 0.6; position: relative; width: 14px; height: 40px; border: 1.5px solid currentColor; border-top-width: 3px; }
.mini::before { content: ""; position: absolute; inset: auto 0 0 0; height: 100%; background: var(--accent); transform-origin: bottom; transform: scaleY(var(--v)); }
.mini.is-ph::before { background: repeating-linear-gradient(-45deg, var(--accent) 0 2px, transparent 2px 5px); }
.mini::after { content: ""; position: absolute; left: -4px; right: -4px; bottom: calc(var(--max-lvr) * 100%); height: 1.5px; background: currentColor; }

/* Notes index page */
.page-head { padding-block: clamp(40px, 6vw, 96px) clamp(32px, 4vw, 56px); }
.page-head h1 { font-size: var(--t-mega); font-weight: 800; font-stretch: 125%; letter-spacing: -0.045em; line-height: 0.9; margin-left: -0.05em; }
.page-head p { margin-top: 24px; max-width: 38rem; font-size: var(--t-m); line-height: 1.45; color: var(--muted); }
.filters { display: flex; flex-wrap: wrap; gap: 8px; padding-bottom: 28px; }
.filter { position: relative; isolation: isolate; overflow: hidden; min-height: 44px; padding: 0 18px; border: 1.5px solid var(--ink); border-radius: 0; background: transparent; color: var(--ink); font: 600 var(--t-s) var(--f-sans); cursor: pointer; transition: color .3s var(--ease-soft); }
.filter::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .45s var(--ease-out); }
.filter[aria-pressed="true"] { color: var(--ground); }
.filter[aria-pressed="true"]::before { transform: scaleY(1); }
@media (hover: hover) { .filter:hover { color: var(--ground); } .filter:hover::before { transform: scaleY(1); } }
.filter:focus-visible { color: var(--ground); } .filter:focus-visible::before { transform: scaleY(1); }
.filter .fig { font-size: var(--t-xs); margin-left: 6px; opacity: .75; }
.index { list-style: none; margin: 0; padding: 0; border-top: 1.5px solid var(--ink); }
.index li { border-bottom: 1px solid var(--line); }
.index a { margin: 0 -16px; padding-inline: 16px; position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); align-items: center; padding-block: 24px; text-decoration: none; }
.index a::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--accent); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .5s var(--ease-out); }
.index a > * { transition: color .3s var(--ease-soft), translate .5s var(--ease-out); }
@media (hover: hover) { .index a:hover::before { transform: scaleY(1); } .index a:hover > *, .index a:hover .kind, .index a:hover .fig, .index a:hover p { color: var(--accent-ink); } .index a:hover .body { translate: 12px 0; } }
.index a:focus-visible { outline-offset: -2px; }
.index a:focus-visible::before { transform: scaleY(1); }
.index a:focus-visible > *, .index a:focus-visible .kind, .index a:focus-visible .fig, .index a:focus-visible p { color: var(--accent-ink); }
.index .kind { grid-column: 1 / span 2; }
.index .body { grid-column: 3 / span 6; min-width: 0; }
.index h3 { font-size: var(--t-m); font-weight: 700; letter-spacing: -0.015em; line-height: 1.2; font-stretch: 110%; }
.index p { margin-top: 6px; color: var(--muted); font-size: var(--t-s); max-width: 40rem; }
.index .vis { grid-column: 10 / span 1; display: flex; justify-content: center; }
.index .fig { grid-column: 11 / span 2; text-align: right; font-size: var(--t-xs); color: var(--muted); }
@media (max-width: 760px) {
  .index a { grid-template-columns: minmax(0, 1fr) auto; row-gap: 8px; }
  .index .kind { grid-column: 1; } .index .fig { grid-column: 2; grid-row: 1; }
  .index .body { grid-column: 1 / -1; } .index .vis { display: none; }
}
.index-empty { padding: 24px 0; color: var(--muted); }

/* Subscribe band */
.subscribe { background: var(--ink); color: var(--ground); }
.subscribe .grid { row-gap: 28px; align-items: end; }
.subscribe h2 { grid-column: 1 / span 6; font-size: var(--t-xl); font-weight: 800; font-stretch: 125%; letter-spacing: -0.04em; line-height: 0.95; }
.subscribe .copy { grid-column: 1 / span 5; color: rgba(232,235,231,.8); }
.subscribe form { grid-column: 7 / span 6; grid-row: 1 / span 2; display: grid; gap: 18px; }
.subscribe .field label { color: var(--ground); }
.subscribe .field input, .subscribe .field select { color: var(--ground); border-bottom-color: rgba(232,235,231,.5); }
.subscribe .field select { background-image: linear-gradient(45deg, transparent 50%, var(--ground) 50%), linear-gradient(-45deg, transparent 50%, var(--ground) 50%); }
.subscribe .field select option { color: var(--ink); }
.subscribe .field input:focus, .subscribe .field select:focus { border-color: var(--ground); box-shadow: 0 1.5px 0 0 var(--ground); }
.subscribe .field .err { color: #FFB39E; }
.subscribe .btn { border-color: var(--ground); color: var(--ground); }
.subscribe .btn::before { background: var(--ground); }
@media (hover: hover) { .subscribe .btn:hover { color: var(--ink); } }
.subscribe .btn:focus-visible, .subscribe .btn:active { color: var(--ink); }
.subscribe :focus-visible { outline-color: var(--ground); }
@media (max-width: 860px) { .subscribe h2, .subscribe .copy, .subscribe form { grid-column: 1 / -1; grid-row: auto; } }

/* Brokers / about */
.pair { row-gap: 56px; }
.pair > div { min-width: 0; }
.pair > div:first-child { grid-column: 1 / span 6; }
.pair > div:last-child { grid-column: 8 / span 5; }
.pair h2 { font-size: var(--t-l); font-weight: 800; font-stretch: 125%; letter-spacing: -0.035em; line-height: 1; margin-bottom: 28px; }
.points { list-style: none; margin: 0; padding: 0; border-top: 1.5px solid var(--ink); }
.points li { display: grid; grid-template-columns: 9rem minmax(0, 1fr); gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.points strong { font-weight: 700; }
.points span { color: var(--muted); }
@media (max-width: 560px) { .points li { grid-template-columns: minmax(0, 1fr); gap: 2px; } }
.prose { display: grid; gap: 16px; max-width: 36rem; }
.prose p { color: var(--muted); }
.prose strong { color: var(--ink); }
.byline { display: flex; gap: 16px; align-items: center; margin-bottom: 20px; }
@media (max-width: 860px) { .pair > div:first-child, .pair > div:last-child { grid-column: 1 / -1; } }

/* Footer finale */
.finale { background: var(--accent); color: var(--accent-ink); padding-block: clamp(56px, 8vw, 120px) calc(28px + env(safe-area-inset-bottom, 0px)); }
.finale a { color: inherit; }
.finale__cta { display: block; text-decoration: none; position: relative; }
.finale__cta .big { display: block; font-size: clamp(3rem, 0.6rem + 10.4vw, 12.5rem); font-weight: 800; font-stretch: 125%; letter-spacing: -0.05em; line-height: 0.88; margin-left: -0.05em; }
.finale__cta .big span { display: inline-block; transition: translate .6s var(--ease-out); }
.finale__cta .sub { display: flex; align-items: baseline; gap: 14px; margin-top: 20px; font-size: var(--t-m); }
.finale__cta .sub .arr { width: 24px; height: 24px; transition: translate .5s var(--ease-out); }
@media (hover: hover) { .finale__cta:hover .big span { translate: 0 -0.06em; } .finale__cta:hover .sub .arr { translate: 0 -6px; } }
.finale__cta:focus-visible { outline-color: var(--accent-ink); outline-offset: 8px; }
.finale__cta:focus-visible .big span { translate: 0 -0.06em; }
.finale__rule { height: 2px; background: var(--accent-ink); margin-block: clamp(40px, 6vw, 80px) 28px; }
.finale__cols { row-gap: 28px; font-size: var(--t-s); }
.finale__cols > * { min-width: 0; }
.finale__nav { grid-column: 1 / span 4; display: grid; gap: 4px; align-content: start; }
.finale__nav a, .finale__legal a { text-decoration: none; padding: 4px 0; display: inline-block; }
@media (hover: hover) { .finale__nav a:hover, .finale__legal a:hover { text-decoration: underline; text-underline-offset: 3px; } }
.finale__nav a:focus-visible, .finale__legal a:focus-visible { outline-color: var(--accent-ink); text-decoration: underline; }
.finale__disc { grid-column: 5 / span 6; display: grid; gap: 10px; color: rgba(255,255,255,.86); font-size: var(--t-xs); line-height: 1.6; }
.finale__legal { grid-column: 11 / span 2; display: grid; gap: 4px; align-content: start; }
.finale .ph { text-decoration-color: #FFD2C4; }
@media (max-width: 860px) { .finale__nav, .finale__disc, .finale__legal { grid-column: 1 / -1; } .finale__legal { grid-auto-flow: column; justify-content: start; gap: 20px; } }

/* Article */
.article-head { padding-block: clamp(40px, 6vw, 88px) clamp(32px, 4vw, 48px); }
.article-head .crumbs { font-size: var(--t-s); margin-bottom: 28px; }
.article-head h1 { grid-column: 1 / span 10; font-size: var(--t-xl); font-weight: 800; font-stretch: 125%; letter-spacing: -0.04em; line-height: 0.95; margin-left: -0.04em; }
.article-head .standfirst { grid-column: 1 / span 7; margin-top: 28px; font-size: var(--t-m); line-height: 1.45; }
.meta-row { grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: 8px 32px; margin-top: 36px; padding-top: 14px; border-top: 1.5px solid var(--ink); font-size: var(--t-s); }
.meta-row dt { color: var(--muted); font-size: var(--t-xs); }
.meta-row dd { margin: 2px 0 0; font-family: var(--f-mono); font-size: var(--t-s); }
@media (max-width: 860px) { .article-head h1, .article-head .standfirst { grid-column: 1 / -1; } }
.article-body { padding-block: 24px clamp(64px, 8vw, 120px); }
.toc { grid-column: 1 / span 3; align-self: start; position: sticky; top: calc(88px + env(safe-area-inset-top, 0px)); font-size: var(--t-s); }
.toc p { font-size: var(--t-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; border-left: 1.5px solid var(--line-strong); }
.toc a { display: block; padding: 6px 0 6px 14px; text-decoration: none; color: var(--muted); position: relative; transition: color .3s, padding-left .45s var(--ease-out); }
.toc a span { display: inline-block; transition: translate .45s var(--ease-out); }
.toc a[aria-current="true"] span, .toc a:focus-visible span { translate: 8px 0; }
.toc a::before { content: ""; position: absolute; left: -1.5px; bottom: 0; width: 1.5px; height: 100%; background: var(--accent); transform: scaleY(0); transform-origin: bottom; transition: transform .45s var(--ease-out); }
.toc a[aria-current="true"], .toc a:focus-visible { color: var(--ink); }
.toc a[aria-current="true"]::before, .toc a:focus-visible::before { transform: scaleY(1); }
@media (hover: hover) { .toc a:hover { color: var(--ink); } .toc a:hover::before { transform: scaleY(1); } .toc a:hover span { translate: 8px 0; } }
.longform { grid-column: 5 / span 7; min-width: 0; max-width: 42rem; }
.longform h2 { font-size: var(--t-l); font-weight: 800; font-stretch: 115%; letter-spacing: -0.03em; line-height: 1.05; margin: 64px 0 20px; scroll-margin-top: 96px; }
.longform h2:first-child { margin-top: 0; }
.longform p { margin-bottom: 18px; font-size: 1.0625rem; line-height: 1.65; }
.longform ul, .longform ol { margin: 0 0 18px; padding-left: 1.2em; display: grid; gap: 8px; font-size: 1.0625rem; line-height: 1.6; }
.longform .pull { margin: 40px 0; padding: 0 0 0 24px; border-left: 3px solid var(--accent); font-size: var(--t-m); font-weight: 600; line-height: 1.35; letter-spacing: -0.01em; }
.table-wrap { overflow-x: auto; margin: 28px 0 32px; border-top: 1.5px solid var(--ink); }
table { width: 100%; border-collapse: collapse; font-size: var(--t-s); min-width: 34rem; }
th, td { text-align: left; vertical-align: top; padding: 12px 16px 12px 0; border-bottom: 1px solid var(--line); }
th { font-size: var(--t-xs); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
td:first-child { font-weight: 700; }
.callout { margin: 48px 0 0; padding: clamp(24px, 3vw, 36px); background: var(--accent); color: var(--accent-ink); display: grid; gap: 18px; }
.callout h2 { margin: 0 !important; font-size: var(--t-l); color: inherit; }
.callout p { margin: 0 !important; }
.next { border-top: 1.5px solid var(--ink); }
.next a { margin: 0 -16px; padding-inline: 16px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 24px; align-items: end; padding-block: 40px; text-decoration: none; position: relative; isolation: isolate; overflow: hidden; }
.next a::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .6s var(--ease-out); }
.next a > * { transition: color .3s var(--ease-soft); }
@media (hover: hover) { .next a:hover::before { transform: scaleY(1); } .next a:hover > *, .next a:hover .kind { color: var(--ground); } }
.next a:focus-visible { outline-offset: -2px; } .next a:focus-visible::before { transform: scaleY(1); } .next a:focus-visible > *, .next a:focus-visible .kind { color: var(--ground); }
.next .t { grid-column: 1; font-size: var(--t-l); font-weight: 800; font-stretch: 115%; letter-spacing: -0.03em; line-height: 1.05; }
.next .arr { width: 32px; height: 32px; }
@media (max-width: 960px) { .toc { display: none; } .longform { grid-column: 1 / -1; } }

/* 404 */
.lost { padding-block: clamp(40px, 6vw, 96px); }
.lost .grid { align-items: end; row-gap: 40px; }
.lost__text { grid-column: 1 / span 8; }
.lost h1 { font-size: var(--t-mega); font-weight: 800; font-stretch: 125%; letter-spacing: -0.045em; line-height: 0.9; margin-left: -0.05em; }
.lost p { margin-top: 24px; font-size: var(--t-m); max-width: 34rem; }
.lost .column { --level: 1; --read: 1; --h: clamp(320px, 56vh, 540px); grid-column: 10 / span 3; }
.lost .column__fill { background: var(--above); }
@media (max-width: 860px) { .lost__text { grid-column: 1 / -1; } .lost .column { grid-column: 1 / span 6; --h: 260px; } }

/* Curtain (a level that rises over the page) */
.curtain { position: fixed; inset: 0; z-index: 90; pointer-events: none; visibility: hidden; overflow: hidden; }
.curtain__panel { position: absolute; inset: 0; background: var(--accent); display: flex; align-items: flex-end; padding: 0 max(var(--gutter), env(safe-area-inset-right, 0px)) calc(var(--gutter) + env(safe-area-inset-bottom, 0px)) max(var(--gutter), env(safe-area-inset-left, 0px)); }
.curtain__label { color: var(--accent-ink); font-size: var(--t-xl); font-weight: 800; font-stretch: 125%; letter-spacing: -0.04em; line-height: .95; }
html.is-arriving .curtain { visibility: visible; }

/* Intro hold: only set by the pre-paint script when motion is allowed and GSAP will run */
html.intro-hold [data-intro] { opacity: 0; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation: none !important; }
  .btn .arr, .finale__cta .big span { translate: none !important; }
  .index a:hover .body, .toc a span { translate: none !important; }
}

/* Hero line masks */
.hero h1 .line, .page-head h1 .line, .lost h1 .line { display: block; overflow: clip; padding-bottom: 0.06em; margin-bottom: -0.06em; }
.line__in { display: inline-block; }

/* Wordmark fill, active chip and crumb target size */
.wordmark .mark::after { transition: height .5s var(--ease-out); }
@media (hover: hover) { .wordmark:hover .mark::after { height: 100% !important; } }
.wordmark:focus-visible .mark::after { height: 100% !important; }
@media (hover: hover) { .filter[aria-pressed="true"]:hover::before { background: var(--accent); } }
.crumbs a { display: inline-block; padding-block: 6px; }
.link { padding-block: 3px; }
.toc__gauge { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 12px; align-items: end; margin-bottom: 28px; }
.toc__gauge .mini { width: 18px; height: 72px; color: var(--ink); }
.toc__gauge span { font: 500 var(--t-xs)/1.3 var(--f-mono); color: var(--muted); }
.toc__gauge .mini::after { display: none; }

/* Link targets, placeholders and the example-deal hatch */
.link { display: inline-block; padding-block: 5px; line-height: 1.3; }
.field input::placeholder, .field textarea::placeholder { color: var(--muted); opacity: 1; }
.subscribe .field input::placeholder { color: rgba(232,235,231,.72); }
.column.is-example .column__fill { background: repeating-linear-gradient(-45deg, var(--accent) 0 3px, color-mix(in srgb, var(--accent) 55%, var(--ground-2)) 3px 7px); }
.column.is-example .column__reading span { border-style: dashed; }
.verdict__lvr .ex { font: 600 var(--t-xs) var(--f-sans); letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-left: 10px; vertical-align: middle; }

/* Mobile scenario bar: the answer stays in view while you type */
.test-bar { display: none; }
@media (max-width: 960px) {
  .test-form { grid-template-areas: "bar" "deal" "panel" "you"; }
  .test-bar { grid-area: bar; display: grid; grid-template-columns: auto auto minmax(0, 1fr); gap: 14px; align-items: center; position: sticky; top: calc(env(safe-area-inset-top, 0px) + 8px); z-index: 5; padding: 12px 14px; background: var(--ink); color: var(--ground); margin-bottom: -16px; }
  .test-bar .mini { color: var(--ground); height: 44px; width: 18px; }
  .test-bar .mini::before { background: #8EA2FF; }
  .test-bar.is-over .mini::before { background: #FF8F70; }
  .test-bar .fig { font-size: 1.375rem; font-weight: 500; }
  .test-bar p { font-size: var(--t-xs); line-height: 1.35; color: rgba(232,235,231,.85); }
}

/* Article table becomes stacked blocks on phones */
@media (max-width: 600px) {
  .table-wrap { overflow: visible; border-top: 0; }
  .table-wrap table, .table-wrap tbody, .table-wrap tr, .table-wrap td { display: block; min-width: 0; width: 100%; }
  .table-wrap thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .table-wrap tr { border-top: 1.5px solid var(--ink); padding: 14px 0 6px; }
  .table-wrap td { border: 0; padding: 0 0 10px; }
  .table-wrap td:first-child { font-size: var(--t-m); padding-bottom: 8px; }
  .table-wrap td[data-label]::before { content: attr(data-label); display: block; font-size: var(--t-xs); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); margin-bottom: 2px; }
}

/* Unpublished notes: shown, muted, not links */
.index .soon { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); align-items: center; padding-block: 24px; }
.index .soon h3 { color: var(--muted); font-weight: 600; }
.index .soon .fig { grid-column: 11 / span 2; text-align: right; }
@media (max-width: 760px) {
  .index .soon { grid-template-columns: minmax(0, 1fr) auto; row-gap: 8px; }
  .index .soon .kind { grid-column: 1; } .index .soon .fig { grid-column: 2; grid-row: 1; }
  .index .soon .body { grid-column: 1 / -1; } .index .soon .vis { display: none; }
}
.index-note { margin-top: 20px; font-size: var(--t-s); color: var(--muted); }

/* Notes header counts */
.page-head .grid { align-items: end; row-gap: 32px; }
.page-head__text { grid-column: 1 / span 8; min-width: 0; }
.tally { grid-column: 10 / span 3; margin: 0; display: grid; gap: 0; border-top: 1.5px solid var(--ink); }
.tally div { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: baseline; padding: 10px 0; border-bottom: 1px solid var(--line); }
.tally dt { font-size: var(--t-s); color: var(--muted); }
.tally dd { margin: 0; font: 500 1.5rem/1 var(--f-mono); font-variant-numeric: tabular-nums; }
@media (max-width: 960px) { .page-head__text, .tally { grid-column: 1 / -1; } }
.article-head h1 { grid-column: 1 / span 11; }

/* Footer CTA floods ink from the bottom */
.finale__cta { margin: 0 -20px; padding: 20px; isolation: isolate; overflow: hidden; }
.finale__cta::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .7s var(--ease-out); }
@media (hover: hover) { .finale__cta:hover::before { transform: scaleY(1); } }
.finale__cta:focus-visible::before { transform: scaleY(1); }
.finale__cta .sub { display: block; }
.finale__cta .sub .arr { display: inline-block; vertical-align: -0.12em; margin-left: 8px; }

/* Curtain line: the level stops at the line before it covers */
.curtain__line { position: absolute; left: 0; right: 0; top: 0; height: 3px; background: var(--ink); }
.curtain__tag { position: absolute; right: max(var(--gutter), env(safe-area-inset-right, 0px)); top: 10px; padding: 4px 10px; background: var(--ink); color: var(--ground); font: 500 var(--t-xs)/1.2 var(--f-mono); }
@media (max-width: 480px) { .test-panel .column__reading span { display: none; } }

/* Scenario panel and hero on narrow screens */
.verdict { min-width: 0; }
@media (max-width: 600px) {
  .test-panel { grid-template-columns: 96px minmax(0, 1fr); gap: 16px; align-items: start; }
  .test-panel .column__scale { display: none; }
  .test-panel .column { grid-template-columns: minmax(0, 1fr); }
  .verdict__lvr { font-size: 2.25rem; }
  .verdict__lvr .ex { display: block; margin: 6px 0 0; }
  .verdict__head { font-size: 1.0625rem; }
}
.toc a { background: linear-gradient(var(--ink) 0 0) left bottom / 100% 0 no-repeat; transition: color .3s, background-size .45s var(--ease-out); }
@media (hover: hover) { .toc a:hover { background-size: 100% 100%; color: var(--ground); } }
.toc a:focus-visible { background-size: 100% 100%; color: var(--ground); }
.lost .column { margin-right: 28px; }
.finale__cta { margin: 0 calc(-1 * var(--gutter)); padding: max(20px, var(--gutter)) var(--gutter); }
.finale__cta .sub .end { white-space: nowrap; }
.list-label { font-size: var(--t-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; }
.list-label + .index { margin-bottom: 56px; }
.index--soon { border-top-width: 1px; }
.index--soon .soon { padding-block: 16px; }
.index--soon .soon .fig { grid-column: 1 / span 2; grid-row: 1; text-align: left; font-size: var(--t-s); color: var(--ink); }
.index--soon .soon .kind { grid-column: 3 / span 2; grid-row: 1; }
.index--soon .soon .body { grid-column: 5 / span 7; grid-row: 1; }
.index--soon .soon h3 { font-size: 1.0625rem; font-stretch: 100%; }
.index--soon .soon p { font-size: var(--t-xs); }
.index--soon .soon .vis { grid-column: 12; grid-row: 1; }
@media (max-width: 760px) {
  .index--soon .soon { grid-template-columns: minmax(0, 1fr) auto; }
  .index--soon .soon .fig { grid-column: 2; text-align: right; }
  .index--soon .soon .kind { grid-column: 1; }
  .index--soon .soon .body { grid-column: 1 / -1; grid-row: 2; }
}
.wordmark .mark::after { height: calc(var(--read-mark, 0.7) * 100%); }
.toc-mobile { display: none; }
@media (max-width: 960px) {
  .toc-mobile { display: block; grid-column: 1 / -1; margin-bottom: 32px; border-block: 1.5px solid var(--ink); }
  .toc-mobile summary { min-height: 52px; display: flex; align-items: center; justify-content: space-between; font-weight: 600; cursor: pointer; list-style: none; }
  .toc-mobile summary::-webkit-details-marker { display: none; }
  .toc-mobile summary::after { content: "+"; font: 500 1.25rem var(--f-mono); }
  .toc-mobile[open] summary::after { content: "\2212"; }
  .toc-mobile ol { margin: 0 0 16px; padding-left: 1.2em; display: grid; gap: 4px; }
  .toc-mobile a { display: inline-block; padding-block: 6px; }
}

/* Wordmark underline, footer CTA spacing, 404 and phone hero */
.wordmark .wm { background: linear-gradient(var(--accent) 0 0) left 100% / 0% 2px no-repeat; padding-bottom: 2px; transition: background-size .5s var(--ease-out); }
@media (hover: hover) { .wordmark:hover .wm { background-size: 100% 2px; } }
.wordmark:focus-visible .wm { background-size: 100% 2px; }
.finale { padding-top: 0; }
.finale__cta { padding-top: clamp(56px, 8vw, 120px); }
.lost .column { grid-column: 8 / span 3; }
.toc-mobile__head { display: inline-flex; align-items: center; gap: 12px; }
.toc-mobile .mini { width: 12px; height: 28px; }
.toc-mobile .mini::after { display: none; }
@media (max-width: 640px) {
  .hero .grid { grid-template-columns: minmax(0, 1fr) 76px; column-gap: 14px; row-gap: 0; align-items: stretch; }
  .hero__text { display: contents; }
  .hero h1 { grid-column: 1; grid-row: 1; align-self: start; }
  .hero__fig { grid-column: 2; grid-row: 1; display: block; align-self: stretch; }
  .hero__fig .column { --h: 100%; height: 100%; grid-template-columns: minmax(0, 1fr); }
  .hero__fig .column__body { height: 100%; min-height: 150px; }
  .hero__fig .column__scale, .hero__fig .figures { display: none; }
  .hero__fig .column__line-label { right: auto; left: 0; bottom: 4px; padding: 2px 4px; font-size: 10px; }
  .hero__fig .column__body::before { right: -8px; }
  .hero__lead { grid-column: 1 / -1; grid-row: 2; }
  .hero__ctas { grid-column: 1 / -1; grid-row: 3; }
  .hero__hint { display: none; }
}
@media (max-width: 640px) { .hero__fig .column__reading span { display: none; } }

.link { padding-inline: 0.15em; margin-inline: -0.15em; }
.section__head--stack h2 { grid-column: 1 / -1; font-size: clamp(2.5rem, 1rem + 6vw, 6.5rem); }
.section__head--stack p { grid-column: 1 / span 5; margin-top: 20px; }
@media (hover: hover) { .finale__cta:hover .sub .arr { translate: 6px -10px; } }
.finale__cta .sub .arr { width: 28px; height: 28px; }
@media (max-width: 860px) {
  .lost .grid { grid-template-columns: minmax(0, 1fr) 76px; column-gap: 14px; }
  .lost__text { display: contents; }
  .lost__text .kind { grid-column: 1 / -1; grid-row: 1; }
  .lost h1 { grid-column: 1; grid-row: 2; align-self: start; }
  .lost .column { grid-column: 2; grid-row: 2; --h: 100%; height: 100%; margin-right: 0; grid-template-columns: minmax(0, 1fr); }
  .lost .column__body { height: 100%; min-height: 150px; }
  .lost .column__scale { display: none; }
  .lost .column__line-label { right: auto; left: 0; bottom: 4px; padding: 2px 4px; font-size: 10px; }
  .lost__text > p:not(.kind) { grid-column: 1 / -1; grid-row: 3; }
  .lost .hero__ctas { grid-column: 1 / -1; grid-row: 4; }
}
@media (max-width: 860px) { .lost .column__body::before { right: -8px; } }
/* 404 columns, reading label and form scroll margins */
@media (min-width: 861px) { .lost__text { grid-column: 1 / span 7; } .lost .column { grid-column: 9 / span 3; } }
.column:not(.is-over) .column__reading span { bottom: auto; top: 6px; }
@media (max-width: 960px) { .test-form .field input, .test-form .field select, .test-form .field textarea, .test-form .check { scroll-margin-top: 110px; } }
@media (max-width: 860px) { .section__head--stack p { grid-column: 1 / -1; } }

/* Deal type and existing debt */
.choice { display: grid; gap: 10px; min-width: 0; }
.choice legend { font-size: var(--t-s); font-weight: 600; margin-bottom: 4px; letter-spacing: 0; }
.choice__opts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
@media (max-width: 560px) { .choice__opts { grid-template-columns: minmax(0, 1fr); } }
.opt { position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: 20px minmax(0, 1fr); gap: 10px; align-items: start; padding: 14px; border: 1.5px solid var(--line-strong); cursor: pointer; transition: border-color .25s, color .3s; }
.opt::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .45s var(--ease-out); }
.opt input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--accent); }
.opt strong { display: block; font-size: var(--t-s); }
.opt small { display: block; font-size: var(--t-xs); color: var(--muted); margin-top: 2px; transition: color .3s; }
.opt:has(input:checked) { color: var(--ground); border-color: var(--ink); }
.opt:has(input:checked)::before { transform: scaleY(1); }
.opt:has(input:checked) small { color: rgba(232,235,231,.75); }
@media (hover: hover) { .opt:hover { border-color: var(--ink); } }
.opt:has(input:focus-visible) { outline: 2px solid var(--accent); outline-offset: 2px; }
.choice[data-invalid] .opt { border-color: var(--above); }
.choice .err { font-size: var(--t-xs); color: var(--above); font-weight: 600; }
.debt { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; padding: 18px; background: var(--ground); border-left: 3px solid var(--accent); }
.debt[hidden] { display: none; }
@media (max-width: 760px) { .debt { grid-template-columns: minmax(0, 1fr); } }
.hint.is-warn { color: var(--above); font-weight: 600; }

/* Second mortgage: the first lender's share sits at the bottom of the building */
.column { --prior: 0; }
.column__prior { position: absolute; inset: auto 0 0 0; height: 100%; background: var(--ink); transform-origin: 50% 100%; transform: scaleY(var(--prior)); transition: transform .9s var(--ease-out); pointer-events: none; }
.column__prior::after { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(to top, transparent 0 calc(10% - 1px), rgba(255,255,255,.14) calc(10% - 1px) 10%); }
.verdict__key { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; font-size: var(--t-xs); color: var(--muted); }
.verdict__key[hidden] { display: none; }
.sw { display: inline-block; width: 12px; height: 12px; }
.sw--prior { background: var(--ink); }
.sw--ours { background: var(--accent); margin-left: 8px; }
.choice__opts { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 560px) { .choice__opts { grid-template-columns: minmax(0, 1fr); } }

/* Security properties */
.props { display: grid; gap: 12px; min-width: 0; }
.props__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.props__title { font-size: var(--t-s); font-weight: 600; }
.props__total { font-size: var(--t-xs); color: var(--accent); }
.props__list { display: grid; gap: 12px; }
.prop { border: 1.5px solid var(--line-strong); padding: 14px 16px 18px; display: grid; gap: 10px; background: var(--ground-2); }
.prop__head { display: flex; justify-content: space-between; align-items: center; min-height: 32px; }
.prop__n { font: 500 var(--t-xs)/1 var(--f-mono); letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
.prop__remove { min-height: 32px; padding: 0 12px; border: 1px solid var(--line-strong); border-radius: 0; background: none; color: var(--ink); font: 500 var(--t-xs) var(--f-sans); cursor: pointer; transition: border-color .25s, color .25s; }
@media (hover: hover) { .prop__remove:hover { border-color: var(--above); color: var(--above); } }
.prop__fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 560px) { .prop__fields { grid-template-columns: minmax(0, 1fr); } }
.add-prop { position: relative; isolation: isolate; overflow: hidden; justify-self: start; display: inline-flex; align-items: center; gap: 10px; min-height: 46px; padding: 0 18px; border: 1.5px dashed var(--ink); background: none; color: var(--ink); font: 600 var(--t-s) var(--f-sans); cursor: pointer; transition: color .3s var(--ease-soft); }
.add-prop::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--ink); transform: scaleY(0); transform-origin: 50% 100%; transition: transform .45s var(--ease-out); }
@media (hover: hover) { .add-prop:hover { color: var(--ground); } .add-prop:hover::before { transform: scaleY(1); } }
.add-prop:focus-visible { color: var(--ground); } .add-prop:focus-visible::before { transform: scaleY(1); }
.add-prop span { font: 500 1.125rem/1 var(--f-mono); }
.add-prop[hidden] { display: none; }
.addr { position: relative; }
.addr__list { position: absolute; z-index: 6; left: 0; right: 0; top: calc(100% - 4px); margin: 0; padding: 4px 0; list-style: none; background: var(--ground); border: 1.5px solid var(--ink); box-shadow: 0 12px 24px -12px rgba(15,20,19,.35); }
.addr__list[hidden] { display: none; }
.addr__list li { padding: 10px 12px; font-size: var(--t-s); cursor: pointer; }
.addr__list li[aria-selected="true"], .addr__list li:hover { background: var(--ink); color: var(--ground); }

/* Privacy draft note */
.callout-note { padding: 14px 16px; border: 1.5px solid var(--above); background: var(--above-soft); font-size: var(--t-s) !important; }

/* Stand-alone sign-up page */
.signup { min-height: 100svh; display: grid; }
.signup__wrap { display: grid; grid-template-rows: auto 1fr auto; gap: 40px; padding-block: 28px; width: 100%; }
.signup__grid { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); row-gap: 40px; align-items: center; }
.signup__copy { grid-column: 1 / span 6; min-width: 0; }
.signup__copy .kind { margin-bottom: 18px; }
.signup h1 { font-size: var(--t-mega); font-weight: 800; font-stretch: 125%; letter-spacing: -0.045em; line-height: 0.9; margin-left: -0.05em; }
.signup h1 .line { display: block; overflow: clip; padding-bottom: 0.06em; margin-bottom: -0.06em; }
.signup__lead { margin-top: 24px; font-size: var(--t-m); line-height: 1.45; max-width: 34rem; }
.signup__list { list-style: none; margin: 28px 0 0; padding: 0; border-top: 1.5px solid var(--ink); max-width: 30rem; }
.signup__list li { display: grid; grid-template-columns: 2.5rem minmax(0, 1fr); padding: 10px 0; border-bottom: 1px solid var(--line); font-size: var(--t-s); }
.signup__list .fig { color: var(--accent); font-size: var(--t-xs); padding-top: 2px; }
.signup__form { grid-column: 8 / span 5; align-self: center; }
.signup__form .btn { justify-self: start; }
.signup__foot { font-size: var(--t-xs); color: var(--muted); }
@media (max-width: 900px) { .signup__copy, .signup__form { grid-column: 1 / -1; } }
.signup__form { display: grid; gap: 26px; padding: clamp(24px, 3vw, 40px); background: var(--ground-2); border: 1.5px solid var(--ink); border-top-width: 6px; }
.signup__form .form-status { margin: 0; }

/* 75% case-by-case marker */
.column__case { position: absolute; left: 0; right: 0; bottom: calc(var(--case-lvr, .75) * 100%); height: 0; border-top: 1.5px dashed var(--ink); pointer-events: none; }
.column__case span { position: absolute; left: 6px; bottom: 4px; font: 500 10px/1.2 var(--f-mono); color: var(--muted); white-space: nowrap; background: var(--ground); padding: 1px 4px; }
.column.is-case .column__reading span { background: #F2D7B8; border-color: #8A5A00; color: #3D2800; }
.checks li[data-state="case"] .mk { background: repeating-linear-gradient(-45deg, #8A5A00 0 2px, transparent 2px 5px); border-color: #8A5A00; }
.checks li[data-state="case"] { color: #6B4600; }
@media (max-width: 640px) { .hero__fig .column__case span { display: none; } }
@media (max-width: 480px) { .test-panel .column__case span { display: none; } }

/* Transition in ink: no blue flood, no flash of the next page before the curtain is ready */
.curtain__panel { background: var(--ink); }
.curtain__line { background: var(--accent); height: 3px; }
.curtain__tag { background: var(--ground); color: var(--ink); }
.curtain__label { color: var(--ground); }
html.arrive-cover::before { content: ""; position: fixed; inset: 0; z-index: 89; background: var(--ink); }

.link--light { color: inherit; background-image: linear-gradient(currentColor 0 0); }
@media (hover: hover) { .link--light:hover { color: var(--ink); background-image: linear-gradient(var(--ground) 0 0); } }
.link--light:focus-visible { color: var(--ink); background-image: linear-gradient(var(--ground) 0 0); }

/* Curtain tag: set in the always-loaded sans, so it never renders blank mid-wipe */
.curtain__tag { font: 600 var(--t-xs)/1.2 var(--f-sans); letter-spacing: .06em; text-transform: uppercase; }

/* Footer CTA: an ink flood on hover, focus and touch; the text stays light */
.finale__cta::before { background: var(--ink); }
.finale__cta:active::before { transform: scaleY(1); transition-duration: .25s; }
.finale__cta:focus-visible { outline-color: var(--accent-ink); outline-offset: -6px; }

/* Head column: the brand object on the right of page and article heads */
.head-col { --level: 0.62; --h: clamp(200px, 26vw, 300px); grid-template-columns: minmax(0, 1fr); }
.page-head .head-col { grid-column: 11 / span 2; align-self: end; margin-right: 28px; }
.article-head .head-col { grid-column: 11 / span 2; grid-row: 3 / span 2; align-self: end; margin: 40px 28px 0 0; --h: clamp(150px, 15vw, 210px); }
.article-head .meta-row { grid-column: 1 / span 8; }
@media (max-width: 960px) { .head-col { display: none !important; } .article-head .meta-row { grid-column: 1 / -1; } }

/* Guide end: one ruled callout instead of a second blue block before the blue footer */
.callout--line { background: transparent; color: var(--ink); border: 1.5px solid var(--ink); border-top-width: 6px; }

/* Placeholders read as examples: the $ prefix only shows once a value is typed */
.input:has(input:placeholder-shown) .pre { opacity: 0; }
.input .pre { transition: opacity .2s; }
.field input::placeholder, .field textarea::placeholder { font-style: italic; }

/* Visible focus on every text field */
.field input:focus-visible, .field select:focus-visible, .field textarea:focus-visible { background-color: rgba(24,56,201,.07); box-shadow: 0 2px 0 0 var(--accent); }
.subscribe .field input:focus-visible, .subscribe .field select:focus-visible { background-color: rgba(232,235,231,.08); box-shadow: 0 2px 0 0 var(--ground); }

/* Filter chips: the active chip carries an accent rule, so active and hover differ */
.filter[aria-pressed="true"] { box-shadow: inset 0 -4px 0 var(--accent); }

/* Phone: the sticky deal bar never covers a focused option */
@media (max-width: 960px) {
  html { scroll-padding-top: 120px; }
  .test-form .opt, .test-form .prop, .test-form .choice, .test-form .debt { scroll-margin-top: 120px; }
}

/* Sign-up page */
.signup__wrap > .wordmark { justify-self: start; width: max-content; }
.signup__kind { display: flex; align-items: center; gap: 12px; }
.signup__kind .mini { width: 12px; height: 32px; color: var(--ink); }
.signup__copy { grid-row: 1; }
.signup__form { grid-row: 1 / span 2; align-self: start; }
.signup__more { grid-column: 1 / span 6; grid-row: 2; }
.signup__more .kind { margin-bottom: 10px; }
.signup__more .signup__list { margin-top: 0; }
.signup__next { display: flex; align-items: baseline; gap: 10px; padding-bottom: 14px; border-bottom: 1.5px solid var(--ink); font-size: var(--t-s); }
.signup__next .fig { font: 600 var(--t-xs) var(--f-mono); color: var(--accent); text-transform: uppercase; letter-spacing: .04em; }
.signup__foot { display: flex; flex-wrap: wrap; gap: 8px 28px; align-items: baseline; }
.signup__foot .link { font-size: var(--t-s); color: var(--ink); }
@media (max-width: 900px) { .signup__copy, .signup__form, .signup__more { grid-column: 1 / -1; grid-row: auto; } }
/* Reading mark animates with transform, not height, so scrolling doesn't trigger layout */
.wordmark .mark::after { height: 100%; transform-origin: 50% 100%; transform: scaleY(var(--read-mark, 0.7)); transition: transform .5s var(--ease-out); }
@media (hover: hover) { .filter[aria-pressed="true"]:hover { box-shadow: inset 0 -8px 0 var(--ink); } }

.callout-note--info { border-color: var(--accent); background: rgba(24,56,201,.07); }

/* Cookies and privacy notice */
.consent { position: fixed; z-index: 80; left: max(var(--gutter), env(safe-area-inset-left, 0px)); bottom: calc(var(--gutter) + env(safe-area-inset-bottom, 0px)); width: min(720px, calc(100% - 2 * var(--gutter))); display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 18px 22px; align-items: center; padding: 20px 22px; background: var(--ink); color: var(--ground); border-top: 3px solid var(--accent); box-shadow: 0 24px 48px -20px rgba(15,20,19,.55); }
.consent[hidden] { display: none; }
.consent__mark { color: var(--ground); width: 14px; height: 40px; }
.consent__mark::before { background: #8EA2FF; }
.consent__title { font-weight: 700; font-size: var(--t-s); margin-bottom: 4px; }
.consent__text p:not(.consent__title) { font-size: var(--t-xs); line-height: 1.5; color: rgba(232,235,231,.86); }
.consent__actions { display: flex; gap: 10px; }
.consent .btn { min-height: 44px; padding-inline: 18px; white-space: nowrap; }
.consent .btn--light { border-color: rgba(232,235,231,.6); }
@media (max-width: 760px) {
  .consent { left: 0; right: 0; bottom: 0; width: auto; grid-template-columns: auto minmax(0, 1fr); padding: 18px max(var(--gutter), env(safe-area-inset-left, 0px)) calc(18px + env(safe-area-inset-bottom, 0px)); box-shadow: 0 -12px 32px -16px rgba(15,20,19,.5); }
  .consent__actions { grid-column: 1 / -1; }
  .consent__actions .btn { flex: 1; justify-content: center; }
}
.consent .btn--solid::before { background: var(--ground); }
@media (hover: hover) { .consent .btn--solid:hover { color: var(--ink); border-color: var(--ground); } }
.consent .btn--solid:focus-visible, .consent .btn--solid:active { color: var(--ink); }
.consent .btn:focus-visible { outline-color: var(--ground); }

/* Spam trap: off-screen, never focused or announced */
.hp { position: absolute !important; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* Hero: wider building, label inside it, more air around the headline */
.lvr-word { display: inline; }
@media (max-width: 640px) {
  .hero { padding-top: 44px; }
  .hero .grid { grid-template-columns: minmax(0, 1fr) 84px; column-gap: 22px; }
  .hero__lead { margin-top: 36px; }
  .hero__fig .column__line { left: 0; right: -8px; }
  .hero__fig .column__line-label { left: auto; right: 12px; bottom: 6px; padding: 2px 5px; font-size: 10px; }
  .hero__fig .lvr-word { display: none; }
}

/* Scenario panel on phones: number, then a horizontal LVR meter, then the checks */
.column__h { display: none; }
@media (max-width: 600px) {
  .test-panel { grid-template-columns: minmax(0, 1fr); gap: 0; align-items: start; }
  .test-panel .verdict { display: contents; }
  .test-panel .verdict__lvr { order: 1; }
  .test-panel .column { order: 2; display: block; margin: 40px 0 24px; }
  .test-panel .column > .column__scale, .test-panel .column > .column__body { display: none; }
  .test-panel .verdict__key { order: 3; margin-bottom: 12px; }
  .test-panel .verdict__head { order: 4; margin-bottom: 18px; }
  .test-panel .checks { order: 5; }
  .column__h { display: block; }
  .h__track { position: relative; height: 30px; border: 1.5px solid var(--ink); border-left-width: 5px; background: repeating-linear-gradient(to right, transparent 0 calc(10% - 1px), var(--line) calc(10% - 1px) 10%); }
  .h__fill, .h__prior { position: absolute; inset: 0 auto 0 0; width: 100%; transform-origin: 0 50%; }
  .h__fill { background: var(--accent); transform: scaleX(min(var(--level, 0), 1)); }
  .h__prior { background: var(--ink); transform: scaleX(var(--prior, 0)); transition: transform .9s var(--ease-out); }
  .column.is-example .h__fill { background: repeating-linear-gradient(-45deg, var(--accent) 0 3px, color-mix(in srgb, var(--accent) 55%, var(--ground-2)) 3px 7px); }
  .column.is-case .h__fill { background: repeating-linear-gradient(-45deg, var(--accent) 0 3px, var(--above) 3px 6px); }
  .column.is-over .h__fill { background: var(--above); }
  .h__case { position: absolute; top: -6px; bottom: -6px; left: calc(var(--case-lvr, .75) * 100%); border-left: 1.5px dashed var(--ink); }
  .h__line { position: absolute; top: -8px; bottom: -8px; left: calc(var(--max-lvr, .7) * 100%); width: 2px; translate: -1px 0; background: var(--ink); }
  .h__line > span { position: absolute; bottom: calc(100% + 4px); left: 1px; translate: -50% 0; padding: 2px 6px; background: var(--ink); color: var(--ground); font: 500 10px/1.2 var(--f-mono); white-space: nowrap; }
  .h__scale { display: flex; justify-content: space-between; margin-top: 6px; font: 500 10px/1.2 var(--f-mono); color: var(--muted); }
}

/* Sticky deal bar sits under the header while the header is showing */
@media (max-width: 960px) {
  .test-bar { top: calc(var(--header-h, 64px) + 8px + env(safe-area-inset-top, 0px)); transition: top .6s var(--ease-out); }
  html.header-away .test-bar { top: calc(8px + env(safe-area-inset-top, 0px)); }
}

/* Footer: copyright and privacy link share a baseline */
.finale__legal { align-items: baseline; }
.finale__legal > span { padding: 4px 0; }

/* Full scenario builder */
.bld-top { border-bottom: 1px solid var(--line); background: var(--ground); position: sticky; top: 0; z-index: 40; }
.bld-top__in { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; }
.bld-top .link { font-size: var(--t-s); }
.bld-head { padding-block: clamp(40px, 6vw, 88px) clamp(28px, 4vw, 48px); }
.bld-head .kind { margin-bottom: 18px; }
.bld-head h1 { font-size: var(--t-mega); font-weight: 800; font-stretch: 125%; letter-spacing: -0.045em; line-height: 0.9; margin-left: -0.05em; }
.bld-head h1 .line { display: block; overflow: clip; padding-bottom: 0.06em; margin-bottom: -0.06em; }
.bld-head__lead { margin-top: 24px; max-width: 40rem; font-size: var(--t-m); line-height: 1.45; color: var(--muted); }
.bld-form { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); column-gap: var(--gutter); padding-bottom: clamp(64px, 8vw, 120px); }
.bld-main { grid-column: 1 / span 7; display: grid; gap: 56px; min-width: 0; }
.bld-sum { grid-column: 9 / span 4; min-width: 0; }
.bld-sum__in { position: sticky; top: 88px; display: grid; grid-template-columns: 88px minmax(0, 1fr); gap: 22px; align-items: start; padding: 22px; border: 1.5px solid var(--ink); border-top-width: 6px; background: var(--ground-2); }
.bld-col { --h: 360px; grid-template-columns: minmax(0, 1fr); }
.bld-col .column__body::before { right: -8px; }
.bld-col .column__line { left: 0; right: -8px; }
.bld-col .column__line-label { right: 12px; bottom: 6px; font-size: 10px; padding: 2px 5px; }
.bld-sum__nums { display: grid; gap: 14px; min-width: 0; }
.bld-sum .verdict__lvr { font-size: 2.25rem; }
.bld-sum .verdict__lvr small { display: block; margin: 4px 0 0; font-size: var(--t-xs); }
.bld-dl { margin: 0; display: grid; border-top: 1px solid var(--line-strong); }
.bld-dl div { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px solid var(--line); font-size: var(--t-s); }
.bld-dl dt { color: var(--muted); }
.bld-dl dd { margin: 0; font-family: var(--f-mono); font-size: var(--t-s); text-align: right; }
.bld-dl dd.is-warn { color: var(--above); font-weight: 600; }
.bld-fs legend { display: flex; align-items: baseline; gap: 14px; font-size: var(--t-l); font-weight: 800; font-stretch: 115%; letter-spacing: -0.03em; margin-bottom: 22px; }
.bld-fs legend .fig { font: 500 var(--t-xs) var(--f-mono); color: var(--accent); }
.bld-note { font-size: var(--t-s); color: var(--muted); max-width: 36rem; margin-bottom: 16px; }
.field__label { font-size: var(--t-s); font-weight: 600; }
.seg { display: inline-flex; border: 1.5px solid var(--ink); justify-self: start; }
.seg__opt { position: relative; cursor: pointer; }
.seg__opt input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.seg__opt span { display: inline-flex; align-items: center; min-height: 44px; padding: 0 22px; font: 600 var(--t-s) var(--f-sans); transition: background .25s, color .25s; }
.seg__opt input:checked + span { background: var(--ink); color: var(--ground); }
.seg__opt input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }
@media (hover: hover) { .seg__opt:hover input:not(:checked) + span { background: var(--ground-2); } }
.bld-nrv { margin-top: 10px; font-size: var(--t-s); color: var(--muted); }
.bld-nrv strong { color: var(--ink); font-family: var(--f-mono); font-weight: 500; }
.ctable { display: grid; gap: 0; }
.ctable__head, .crow { display: grid; grid-template-columns: minmax(0, 1fr) minmax(130px, 180px) 64px 40px; gap: 14px; align-items: center; }
.ctable__head { padding-bottom: 8px; border-bottom: 1.5px solid var(--ink); font-size: var(--t-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.ctable__head span:nth-child(3) { text-align: center; }
.crow { border-bottom: 1px solid var(--line); }
.crow input[name="item"], .crow input[name="amount"] { width: 100%; min-height: 48px; padding: 10px 0; border: 0; background: transparent; color: var(--ink); font: 400 1rem/1.3 var(--f-sans); border-radius: 0; }
.crow input[name="amount"] { padding-left: 16px; font-family: var(--f-mono); font-variant-numeric: tabular-nums; }
.crow input:focus-visible { outline: none; background: rgba(24,56,201,.07); box-shadow: 0 2px 0 0 var(--accent); }
.crow__fund { display: grid; place-items: center; min-height: 44px; cursor: pointer; }
.crow__fund input { width: 20px; height: 20px; margin: 0; accent-color: var(--accent); }
.crow__remove { width: 40px; height: 40px; border: 1.5px solid transparent; background: none; color: var(--muted); font-size: 1.25rem; line-height: 1; cursor: pointer; }
@media (hover: hover) { .crow__remove:hover { border-color: var(--above); color: var(--above); } }
.crow__remove:focus-visible { outline: 2px solid var(--accent); }
.crow:has(input[name="funded"]:not(:checked)) input[name="amount"] { color: var(--muted); }
.ctable__foot { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 14px; padding-top: 16px; }
.ctable__total { font-size: var(--t-s); color: var(--muted); }
.ctable__total strong { color: var(--ink); font-family: var(--f-mono); font-weight: 500; }
.bld-purpose { margin-top: 22px; }
.bld-send { display: grid; gap: 14px; justify-items: start; padding-top: 8px; border-top: 1.5px solid var(--ink); padding-top: 28px; }
.bld-foot { padding-block: 28px calc(28px + env(safe-area-inset-bottom, 0px)); border-top: 1px solid var(--line); font-size: var(--t-xs); color: var(--muted); }
.bld-bar { display: none; }
@media (max-width: 960px) {
  .bld-main, .bld-sum { grid-column: 1 / -1; }
  .bld-sum { order: -1; margin-bottom: 48px; }
  .bld-sum__in { position: static; }
  .bld-col { --h: 240px; }
  .bld-bar { position: fixed; z-index: 45; left: 0; right: 0; bottom: 0; display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 14px; align-items: center; padding: 12px max(var(--gutter), env(safe-area-inset-left, 0px)) calc(12px + env(safe-area-inset-bottom, 0px)); background: var(--ink); color: var(--ground); }
  .bld-bar .fig { font-size: 1.375rem; font-weight: 500; }
  .bld-bar.is-over .fig { color: #FF8F70; }
  .bld-bar span:not(.fig) { font-size: var(--t-xs); line-height: 1.35; color: rgba(232,235,231,.85); }
  .bld-bar a { color: var(--ground); font-size: var(--t-xs); font-weight: 600; min-height: 44px; display: inline-flex; align-items: center; }
  .bld-foot { padding-bottom: calc(96px + env(safe-area-inset-bottom, 0px)); }
}
@media (max-width: 600px) {
  .bld-sum__in { grid-template-columns: 64px minmax(0, 1fr); gap: 16px; padding: 16px; }
  .bld-col .column__line-label { display: none; }
  .ctable__head { display: none; }
  .crow { grid-template-columns: minmax(0, 1fr) 44px 40px; grid-template-areas: "item fund remove" "amt amt amt"; gap: 0 8px; padding-bottom: 8px; }
  .crow__item { grid-area: item; } .crow__amt { grid-area: amt; } .crow__fund { grid-area: fund; } .crow__remove { grid-area: remove; }
  .crow input[name="amount"] { border-bottom: 1px dashed var(--line-strong); }
}
@media (max-width: 600px) {
  .crow__fund { grid-template-columns: auto auto; gap: 6px; }
  .crow__fund::after { content: "Fund"; font-size: 10px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
  [data-table="disb"] .crow__fund::after { content: "Cover"; }
  .crow { grid-template-columns: minmax(0, 1fr) auto 40px; }
}
.section__head .section__aside { grid-column: 8 / span 5; margin-top: -8px; font-size: var(--t-s); }
@media (max-width: 860px) { .section__head .section__aside { grid-column: 1 / -1; } }
@media (max-width: 600px) {
  .crow { grid-template-columns: minmax(0, 1fr) auto 40px; grid-template-areas: "item item item" "amt fund remove"; }
  .crow input[name="item"] { font-weight: 600; min-height: 40px; padding-bottom: 0; }
}

/* Cookie notice: a compact card bottom-right on desktop, a slim bar on phones */
.consent { left: auto; right: max(var(--gutter), env(safe-area-inset-right, 0px)); width: min(400px, calc(100% - 2 * var(--gutter))); grid-template-columns: minmax(0, 1fr); gap: 12px; padding: 14px 16px; }
.consent__text { display: flex; gap: 12px; align-items: center; font-size: var(--t-xs); line-height: 1.45; color: rgba(232,235,231,.9); }
.consent__mark { width: 10px; height: 26px; flex: none; }
.consent__actions { gap: 8px; }
.consent .btn { min-height: 40px; padding-inline: 14px; font-size: var(--t-s); }
html.has-consent { scroll-padding-bottom: 120px; }
@media (max-width: 760px) {
  .consent { left: 0; right: 0; width: auto; padding: 12px max(var(--gutter), env(safe-area-inset-left, 0px)) calc(12px + env(safe-area-inset-bottom, 0px)); grid-template-columns: minmax(0, 1fr); gap: 10px; }
  .consent__mark { display: none; }
  .consent__actions { grid-column: auto; }
  .consent__actions .btn { flex: 1; justify-content: center; min-height: 40px; }
  html.has-consent { scroll-padding-bottom: 96px; }
}

/* Timeline fills in blue, step by step */
.ruler { --fill: 1; }
.ruler::after { content: ""; position: absolute; left: 0; right: 0; top: 6px; height: 4px; background: var(--accent); transform-origin: left; transform: scaleX(var(--fill)); pointer-events: none; }
.ruler li::before { z-index: 1; transition: background .35s var(--ease-soft), border-color .35s var(--ease-soft); }
.ruler li.is-done::before { background: var(--accent); border-color: var(--accent); }
.ruler li.is-done .when { color: var(--accent); }
@media (max-width: 760px) { .ruler::after { left: 6px; right: auto; top: 0; bottom: 0; width: 4px; height: auto; transform-origin: top; transform: scaleY(var(--fill)); } }

/* Home: the builder pointer sits apart from the paragraph above it */
.section__head .section__aside { margin-top: 18px; }

/* Builder: section headings keep display leading when they wrap */
.bld-fs legend { line-height: 0.95; align-items: first baseline; }

/* 404 on phones: both CTAs in the first screen */
@media (max-width: 860px) {
  .lost { padding-block: 32px 48px; }
  .lost .grid { row-gap: 24px; }
  .lost p { margin-top: 16px; }
  .lost .hero__ctas { margin-top: 20px; }
  .lost .kind { margin-bottom: 12px !important; }
}
@media (max-width: 640px) {
  .lost .grid { grid-template-columns: minmax(0, 1fr) 84px; column-gap: 22px; }
  .lost .column { align-self: stretch; }
  .lost .column__body { min-height: 0; }
  .lost .column__line { left: 0; right: -8px; }
  .lost .column__line-label { left: auto; right: 12px; bottom: 6px; padding: 2px 5px; }
}

/* Cookie notice: one line on desktop */
@media (min-width: 761px) {
  .consent { width: min(620px, calc(100% - 2 * var(--gutter))); grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: 16px; padding: 10px 12px 10px 16px; }
  .consent .btn { min-height: 36px; padding-inline: 12px; }
}
@media (max-width: 760px) {
  .consent { padding-top: 10px; gap: 8px; }
  .consent__actions .btn { min-height: 38px; }
}

/* One checkbox style everywhere: square, ink border, blue fill with an inset */
.check input, .crow__fund input, .bld-purpose input {
  appearance: none; -webkit-appearance: none; width: 20px; height: 20px; margin: 1px 0 0; border: 1.5px solid var(--ink); border-radius: 0; background: var(--ground); cursor: pointer; flex: none;
  transition: background .2s var(--ease-soft), box-shadow .2s var(--ease-soft);
}
.check input:checked, .crow__fund input:checked, .bld-purpose input:checked { background: var(--accent); border-color: var(--accent); box-shadow: inset 0 0 0 3px var(--ground); }
.check input:focus-visible, .crow__fund input:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
@media (hover: hover) { .check input:not(:checked):hover, .crow__fund input:not(:checked):hover { background: var(--ground-2); } }

/* Phones: stacked CTAs share one width */
@media (max-width: 640px) {
  .hero__ctas, .lost .hero__ctas { display: grid; grid-template-columns: minmax(0, 1fr); }
  .hero__ctas .btn { justify-content: space-between; }
}

/* Builder: section numbers sit at the cap height of the heading */
.bld-fs legend { align-items: flex-start; }
.bld-fs legend .fig { margin-top: .45em; }

/* Builder on phones: the LVR strip sticks under the top bar while you type */
@media (max-width: 960px) {
  .bld-bar { position: sticky; top: 64px; bottom: auto; z-index: 35; margin: 0 calc(-1 * var(--gutter)) -32px; padding-block: 10px; }
  .bld-foot { padding-bottom: calc(28px + env(safe-area-inset-bottom, 0px)); }
}

/* Anything marked hidden stays hidden, whatever display a component sets */
[hidden] { display: none !important; }

/* Tablet hero (641-1080px): building and figures sit beside the copy instead of a full-width slab below it */
@media (min-width: 641px) and (max-width: 1080px) {
  .hero .grid { align-items: start; row-gap: 32px; }
  .hero__text { grid-column: 1 / span 7; }
  .hero h1 { font-size: clamp(3rem, 8.4vw, 5.6rem); }
  .hero__fig { grid-column: 8 / span 5; grid-row: 1; align-self: stretch; grid-template-columns: minmax(0, 1fr) auto; gap: 14px; }
  .hero__fig .column { --h: 100%; height: 100%; min-height: 320px; grid-template-columns: minmax(0, 1fr); }
  .hero__fig .column__body { height: 100%; }
  .hero__fig .column__scale { display: none; }
  .hero__fig .column__case span { display: none; }
  .hero__fig .figures { min-width: 0; width: 8.5rem; }
  .hero__fig .figures dd { font-size: 0.9375rem; }
  .hero__hint { display: none; }
}

/* Builder summary before any numbers: says what to enter instead of showing zeros */
.bld-empty { font-size: var(--t-s); color: var(--muted); border-top: 1px solid var(--line-strong); padding-top: 12px; }
.bld-sum__nums:has(.bld-empty:not([hidden])) .bld-dl { display: none; }