/*
 * Paylaterr homepage sections (index.html only). Loaded after site.css.
 * Palette and type are the existing Paylaterr tokens; nothing new is introduced.
 * Image areas use .ph placeholders until real photos are supplied.
 */
.is-home {
  --navy: #162b4d;
  --navy-900: #0f1f39;
  --blue: #3478f6;
  --blue-700: #1f5fd6;
  --soft: #eaf2ff;
  --off: #f7faff;
  --teal: #15a68c;
  --teal-700: #0e7d69;
  --teal-50: #e7f6f2;
  --muted: #4a5b78;
  --line: #dbe4f2;
  --line-2: #c3d1e8;
  --display: "Plus Jakarta Sans Variable", ui-sans-serif, system-ui, sans-serif;
  --shadow-lift: 0 2px 4px rgb(22 43 77 / 0.06), 0 24px 56px -20px rgb(22 43 77 / 0.32);
}

/* ---------- shared ---------- */
.h-head { max-width: 46rem; }
.h-head--center { margin-inline: auto; text-align: center; display: flex; flex-direction: column; align-items: center; }
.h-pill {
  display: inline-flex; align-items: center; margin: 0 0 18px;
  padding: 6px 14px; border: 1px solid var(--line-2); border-radius: 999px; background: #fff;
  font-family: var(--display); font-size: 14px; font-weight: 600; line-height: 20px; color: var(--navy);
}
.h-h2 {
  margin: 0; font-family: var(--display); font-weight: 700; color: var(--navy);
  font-size: clamp(1.85rem, 1.2rem + 2.2vw, 2.75rem); line-height: 1.12; letter-spacing: -0.028em; text-wrap: balance;
}
.h-h2--white { color: #fff; }
.h-lead { margin: 16px 0 0; font-size: 18px; line-height: 1.7; color: var(--muted); max-width: 40rem; }
.h-lead--white { color: rgb(255 255 255 / 0.8); }
.h-textlink { display: inline-block; margin-top: 18px; font-weight: 600; color: var(--blue-700); text-underline-offset: 4px; }
.h-textlink:hover { text-decoration: underline; }
.h-textlink--teal { margin-top: 12px; font-size: 15px; color: var(--teal-700); display: inline-flex; align-items: center; gap: 4px; }
.h-footnote { max-width: 46rem; margin: 40px auto 0; text-align: center; font-size: 14px; line-height: 1.7; color: var(--muted); }
.h-footnote a { color: var(--blue-700); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.h-btn {
  display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 26px;
  border-radius: 999px; font-weight: 600; font-size: 16px; line-height: 1.3; text-align: center; transition: background-color .15s;
}
@media (min-width: 640px) { .h-btn { white-space: nowrap; } }
@media (max-width: 639px) { .h-btn { padding-block: 12px; } }
.h-btn--white { background: #fff; color: var(--navy); }
.h-btn--white:hover { background: var(--soft); }
.h-btn--blue { background: var(--blue-700); color: #fff; }
.h-btn--blue:hover { background: var(--navy); }
.h-btn--ghost { color: #fff; box-shadow: inset 0 0 0 1.5px rgb(255 255 255 / 0.55); }
.h-btn--ghost:hover { background: rgb(255 255 255 / 0.1); }
.h-ico { width: 22px; height: 22px; }

/* ---------- image placeholders ---------- */
.ph {
  position: relative; margin: 0; overflow: hidden; display: grid; place-items: center;
  aspect-ratio: var(--ph-ar); width: 100%;
  background:
    radial-gradient(rgb(22 43 77 / 0.13) 1px, transparent 1.6px) 0 0 / 16px 16px,
    linear-gradient(135deg, #dfeaff 0%, #e7f6f2 100%);
  border-radius: 28px;
}
.ph--dark {
  background:
    radial-gradient(rgb(255 255 255 / 0.16) 1px, transparent 1.6px) 0 0 / 16px 16px,
    linear-gradient(135deg, #24406d 0%, #1b4f63 100%);
}
.ph__label {
  display: flex; flex-direction: column; align-items: center; gap: 4px; padding: 12px 16px; text-align: center;
  border-radius: 14px; background: rgb(255 255 255 / 0.78); color: var(--navy);
}
.ph--dark .ph__label { background: rgb(15 31 57 / 0.55); color: #fff; }
.ph__icon { width: 26px; height: 26px; opacity: .7; }
.ph__name { font-family: var(--display); font-weight: 700; font-size: 14px; }
.ph__size { font-size: 13px; opacity: .8; font-variant-numeric: tabular-nums; }
.ph img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
/* label pinned to the top when a card overlaps the middle of the frame */
.ph--top { place-items: start center; }
.ph--top .ph__label { margin-top: 36px; }

/* ---------- hero ---------- */
.h-hero { position: relative; overflow: hidden; background: var(--soft); padding: 40px 0 150px; }
.h-hero__grid { display: grid; gap: 44px; align-items: center; }
.h-hero__title {
  margin: 0; font-family: var(--display); font-weight: 800; color: var(--navy);
  font-size: clamp(2.45rem, 1.4rem + 4.2vw, 4rem); line-height: 1.03; letter-spacing: -0.038em; text-wrap: balance;
}
.h-hero__intro { margin: 22px 0 0; max-width: 34rem; font-size: 18px; line-height: 1.7; color: var(--muted); }
.h-facts { list-style: none; margin: 28px 0 0; padding: 0; display: grid; gap: 12px; font-size: 15px; color: var(--muted); }
.h-facts li { display: flex; align-items: center; gap: 12px; }
.h-facts li svg { flex: none; }
.h-hero__links { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 12px; }

.h-stage { position: relative; }
.h-stage__arch, .h-stage__circle, .h-leaf { display: none; }
.h-stage__card { position: relative; z-index: 2; }

@media (min-width: 768px) {
  .h-stage { padding-top: 140px; }
  .h-stage__arch { display: grid; position: absolute; top: 0; right: 0; width: 72%; aspect-ratio: auto; height: 340px; border-radius: 999px 999px 32px 32px; }
  .h-stage__circle { display: grid; position: absolute; z-index: 3; left: 3%; top: 0; width: 130px; height: 130px; aspect-ratio: 1; border-radius: 50%; box-shadow: 0 0 0 10px var(--soft); }
  .h-stage__circle .ph__label { padding: 6px 8px; background: transparent; }
  .h-stage__circle .ph__icon { width: 20px; height: 20px; }
  .h-stage__circle .ph__size { font-size: 11px; }
  .h-stage__card { max-width: 520px; }
  .h-leaf { display: block; position: absolute; z-index: 1; border-radius: 0 100% 0 100%; }
  .h-leaf--a { width: 230px; height: 230px; left: -46px; bottom: -60px; background: #cfe2ff; transform: rotate(8deg); }
  .h-leaf--b { width: 160px; height: 160px; right: -24px; bottom: 60px; background: #c8eadf; transform: rotate(-12deg); }
}
@media (min-width: 1024px) {
  .h-hero { padding: 56px 0 170px; }
  .h-hero__grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1.08fr); gap: 56px; }
  .h-stage { padding-top: 30px; min-height: 640px; }
  .h-stage__arch { width: 64%; height: 550px; top: -30px; }
  .h-stage__circle { left: -90px; top: -34px; width: 104px; height: 104px; }
  .h-stage__card { max-width: 470px; }
}

/* ---------- loan options (white panel curving over the hero) ---------- */
.h-loans {
  position: relative; z-index: 2; margin-top: -110px; padding: 84px 0 96px; background: #fff;
  border-radius: 50% 50% 0 0 / 70px 70px 0 0;
}
@media (min-width: 1024px) { .h-loans { border-radius: 50% 50% 0 0 / 110px 110px 0 0; padding-top: 110px; } }

.h-feature {
  margin-top: 52px; display: grid; grid-template-columns: minmax(0, 1fr); overflow: hidden; border-radius: 32px; background: var(--navy); color: #fff;
}
.h-feature__media { border-radius: 0; aspect-ratio: 16 / 10; }
.h-feature__body { padding: 32px; display: flex; flex-direction: column; }
.h-feature__icon { width: 34px; height: 34px; color: #8db4ff; }
.h-feature__title { margin: 22px 0 0; font-family: var(--display); font-size: 1.9rem; font-weight: 700; letter-spacing: -0.02em; color: #fff; }
.h-feature__title a:hover { text-decoration: underline; }
.h-feature__text { margin: 12px 0 0; max-width: 30rem; font-size: 18px; line-height: 1.7; color: rgb(255 255 255 / 0.8); }
.h-chips { list-style: none; padding: 0; margin: 22px 0 0; display: flex; flex-wrap: wrap; gap: 8px; }
.h-chips li { padding: 5px 12px; border-radius: 999px; background: rgb(255 255 255 / 0.1); font-size: 14px; color: rgb(255 255 255 / 0.9); }
.h-feature__foot { margin-top: auto; padding-top: 28px; }
.h-feature__foot p { margin: 0 0 20px; padding-top: 20px; border-top: 1px solid rgb(255 255 255 / 0.15); font-size: 14px; line-height: 1.6; color: rgb(255 255 255 / 0.78); }
@media (min-width: 900px) {
  .h-feature { grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); }
  .h-feature__media { aspect-ratio: auto; min-height: 460px; height: 100%; }
  .h-feature__body { padding: 48px; }
}

.h-cats { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 20px; }
.h-cat__link {
  position: relative; display: flex; flex-direction: column; height: 100%; padding: 28px; border: 1px solid var(--line);
  border-radius: 24px; background: #fff; transition: border-color .15s;
}
.h-cat__link:hover { border-color: var(--navy); }
.h-cat__link:hover .h-cat__title { text-decoration: underline; text-underline-offset: 4px; }
.h-cat__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 16px; background: var(--soft); color: var(--blue-700); }
.h-cat__icon svg { width: 26px; height: 26px; }
.h-cat__title { margin: 22px 0 0; font-family: var(--display); font-size: 1.25rem; font-weight: 600; color: var(--navy); }
.h-cat__text { margin: 8px 0 20px; font-size: 15px; line-height: 1.65; color: var(--muted); }
.h-cat__check { margin: auto 0 0; padding: 12px 14px; border-radius: 14px; background: var(--off); font-size: 14px; line-height: 1.6; color: var(--muted); }
.h-cat__check span { font-weight: 600; color: var(--navy); }
.h-cat__arrow { position: absolute; top: 28px; right: 26px; width: 22px; height: 22px; color: var(--blue-700); }
@media (min-width: 640px) { .h-cats { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) {
  .h-cats { grid-template-columns: repeat(6, minmax(0, 1fr)); }
  .h-cat { grid-column: span 2; }
  .h-cat:nth-child(n + 4) { grid-column: span 3; }
}

/* ---------- how it works ---------- */
.h-how { padding: 100px 0; background: var(--off); }
.h-how__grid { display: grid; gap: 56px; align-items: center; }
.h-collage { position: relative; display: grid; gap: 18px; }
.h-collage__a { aspect-ratio: 16 / 11; }
.h-collage__b { display: none; }
.h-qcard { position: relative; z-index: 2; padding: 26px 28px; border-radius: 24px; background: #fff; box-shadow: var(--shadow-lift); }
.h-qcard__title { margin: 0; font-family: var(--display); font-size: 1.15rem; font-weight: 600; color: var(--navy); }
.h-checks { list-style: none; margin: 16px 0 0; padding: 0; display: grid; gap: 10px; }
.h-checks li { display: flex; gap: 10px; font-size: 15px; line-height: 1.55; color: var(--muted); }
.h-checks__ico { flex: none; width: 18px; height: 18px; margin-top: 2px; padding: 2px; border-radius: 50%; background: var(--teal-50); color: var(--teal-700); }
.h-qcard__note { margin: 16px 0 0; padding-top: 14px; border-top: 1px solid var(--line); font-size: 14px; line-height: 1.6; color: var(--muted); }
.h-steps { list-style: none; margin: 36px 0 0; padding: 0; display: grid; gap: 14px; }
.h-step { display: grid; grid-template-columns: 52px minmax(0, 1fr); gap: 18px; padding: 22px; border-radius: 22px; background: #fff; border: 1px solid var(--line); }
.h-step__num { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 50%; background: var(--soft); font-family: var(--display); font-size: 20px; font-weight: 700; color: var(--blue-700); }
.h-step__title { margin: 4px 0 0; font-family: var(--display); font-size: 1.15rem; font-weight: 600; color: var(--navy); }
.h-step__text { margin: 6px 0 0; font-size: 15px; line-height: 1.65; color: var(--muted); }
.h-badge { display: inline-block; margin: 0 0 4px; padding: 2px 10px; border-radius: 999px; background: var(--teal-50); font-size: 12px; font-weight: 600; color: var(--teal-700); }
@media (min-width: 1024px) {
  .h-how { padding: 120px 0; }
  .h-how__grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 80px; }
  .h-collage { display: block; min-height: 700px; }
  .h-collage__a { position: absolute; top: 0; left: 0; width: 72%; aspect-ratio: 9 / 10; }
  .h-collage__b { display: grid; position: absolute; right: 0; top: 34%; width: 50%; box-shadow: 0 0 0 8px var(--off); }
  .h-qcard { position: absolute; left: 4%; bottom: 0; width: 74%; }
}

/* ---------- pay later ---------- */
.h-paylater { padding: 100px 0; background: #fff; }
.h-plans { margin-top: 52px; display: grid; gap: 22px; align-items: stretch; }
.h-plan { display: flex; flex-direction: column; padding: 18px 18px 26px; border-radius: 28px; background: var(--off); border: 1px solid var(--line); }
.h-plan__media { border-radius: 20px; }
.h-plan__sub { margin: 22px 10px 0; font-size: 14px; font-weight: 600; color: var(--teal-700); }
.h-plan__title { margin: 4px 10px 0; font-family: var(--display); font-size: 1.45rem; font-weight: 700; letter-spacing: -0.015em; color: var(--navy); }
.h-dl { margin: 18px 10px 0; }
.h-dl__row { padding: 12px 0; border-top: 1px solid var(--line); }
.h-dl dt { font-size: 13px; font-weight: 600; color: var(--navy); }
.h-dl dd { margin: 4px 0 0; font-size: 15px; line-height: 1.55; color: var(--muted); }
.h-plan--focus { background: var(--navy); border-color: var(--navy); }
.h-plan--focus .h-plan__sub { color: #8de0cb; }
.h-plan--focus .h-plan__title, .h-plan--focus .h-dl dt { color: #fff; }
.h-plan--focus .h-dl dd { color: rgb(255 255 255 / 0.8); }
.h-plan--focus .h-dl__row { border-color: rgb(255 255 255 / 0.15); }
@media (min-width: 1024px) {
  .h-paylater { padding: 120px 0; }
  .h-plans { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .h-plan--focus { transform: translateY(-14px); box-shadow: var(--shadow-lift); }
}

/* ---------- bill payment alternatives ---------- */
.h-bills { padding: 100px 0; background: var(--soft); }
.h-bills__grid { margin-top: 52px; display: grid; gap: 40px; }
.h-bills__visual { position: relative; }
.h-bills__img { aspect-ratio: 16 / 11; border-radius: 28px 120px 28px 28px; }
.h-bills .ph { background: radial-gradient(rgb(22 43 77 / 0.12) 1px, transparent 1.6px) 0 0 / 16px 16px, linear-gradient(135deg, #ffffff 0%, #e7f6f2 100%); }
.h-floatlink {
  position: absolute; left: 20px; bottom: 20px; display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 18px; border-radius: 16px; background: #fff; box-shadow: var(--shadow-lift);
  font-weight: 600; color: var(--blue-700);
}
.h-floatlink:hover { text-decoration: underline; text-underline-offset: 4px; }
.h-floatlink__ico { width: 18px; height: 18px; }
.h-bills__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.h-bill { display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 20px; padding: 24px; border-radius: 22px; background: #fff; }
.h-bill__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: var(--teal-50); color: var(--teal-700); }
.h-bill__title { margin: 2px 0 0; font-family: var(--display); font-size: 1.15rem; font-weight: 600; color: var(--navy); }
.h-bill__text { margin: 6px 0 0; font-size: 15px; line-height: 1.65; color: var(--muted); }
@media (min-width: 1024px) {
  .h-bills { padding: 120px 0; }
  .h-bills__grid { grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr); gap: 64px; align-items: start; }
  .h-bills__visual { position: sticky; top: 112px; }
  .h-bills__img { aspect-ratio: 4 / 5; border-radius: 32px 180px 32px 32px; }
  .h-floatlink { left: auto; right: -24px; bottom: 48px; }
}

/* ---------- guides ---------- */
.h-guides { padding: 100px 0; background: #fff; }
.h-guides__head { display: flex; flex-direction: column; gap: 24px; }
.h-guides__grid { margin-top: 48px; display: grid; gap: 22px; }
.h-gfeature { position: relative; display: block; border-radius: 28px; overflow: hidden; }
.h-gfeature__media { aspect-ratio: 4 / 3; border-radius: 28px; }
.h-gfeature__card {
  position: relative; display: block; margin: -90px 16px 0; padding: 22px 24px; border-radius: 22px; background: #fff; box-shadow: var(--shadow-lift);
}
.h-tag { display: inline-block; padding: 3px 10px; border-radius: 999px; background: var(--teal-50); font-size: 13px; font-weight: 600; color: var(--teal-700); }
.h-gfeature__title { margin: 10px 0 0; font-family: var(--display); font-size: 1.5rem; font-weight: 700; letter-spacing: -0.015em; color: var(--navy); }
.h-gfeature__text { margin: 6px 0 0; font-size: 16px; line-height: 1.6; color: var(--muted); }
.h-gfeature:hover .h-gfeature__title, .h-gitem:hover .h-gitem__title { text-decoration: underline; text-underline-offset: 4px; }
.h-glist { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; }
.h-gitem { display: grid; grid-template-columns: 96px minmax(0, 1fr); gap: 20px; align-items: center; padding: 16px; border-radius: 22px; background: #fff; border: 1px solid var(--line); transition: border-color .15s; }
.h-gitem:hover { border-color: var(--navy); }
.h-gitem__tile { display: grid; place-items: center; gap: 6px; align-content: center; width: 96px; height: 96px; border-radius: 16px; background: var(--soft); color: var(--blue-700); font-size: 13px; font-weight: 600; }
.h-gitem__tile span { color: var(--navy); }
.h-gitem__title { margin: 0; font-family: var(--display); font-size: 1.1rem; font-weight: 600; line-height: 1.35; color: var(--navy); }
.h-gitem__text { margin: 6px 0 0; font-size: 15px; line-height: 1.55; color: var(--muted); }
@media (min-width: 768px) {
  .h-guides__head { flex-direction: row; align-items: flex-end; justify-content: space-between; }
  .h-gfeature__card { position: absolute; left: 16px; right: 16px; bottom: 16px; margin: 0; }
}
@media (min-width: 1024px) {
  .h-guides { padding: 120px 0; }
  .h-guides__grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); }
  .h-gfeature__media { aspect-ratio: auto; height: 100%; min-height: 560px; }
}

/* ---------- responsible borrowing ---------- */
.h-resp { padding: 0 0 100px; background: #fff; }
.h-panel { padding: 36px 24px; border-radius: 32px; background: var(--navy); }
.h-panel__top { display: grid; gap: 40px; align-items: center; }
.h-panel__note { margin: 28px 0 0; max-width: 30rem; font-size: 15px; line-height: 1.7; color: rgb(255 255 255 / 0.78); }
.h-panel__note a { font-weight: 600; color: #fff; text-decoration: underline; text-underline-offset: 4px; }
.h-panel__visual { position: relative; }
.h-panel__img { aspect-ratio: 5 / 4; border-radius: 28px; }
.h-panel__dash { display: none; }
.h-habits { list-style: none; margin: 40px 0 0; padding: 0; display: grid; gap: 14px; }
.h-habit { padding: 24px; border-radius: 22px; background: rgb(255 255 255 / 0.06); border: 1px solid rgb(255 255 255 / 0.12); }
.h-habit__icon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--teal); color: #fff; }
.h-habit__title { margin: 18px 0 0; font-family: var(--display); font-size: 1.1rem; font-weight: 600; color: #fff; }
.h-habit__text { margin: 8px 0 0; font-size: 15px; line-height: 1.65; color: rgb(255 255 255 / 0.78); }
@media (min-width: 640px) { .h-habits { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) {
  .h-resp { padding-bottom: 120px; }
  .h-panel { padding: 72px 64px 64px; border-radius: 40px; }
  .h-panel__top { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 72px; }
  .h-panel__dash { display: block; position: absolute; inset: -18px 22px 22px -18px; border: 2px dashed rgb(255 255 255 / 0.28); border-radius: 34px; transform: rotate(-3deg); }
  .h-panel__img { position: relative; }
  .h-habits { grid-template-columns: repeat(4, minmax(0, 1fr)); margin-top: 56px; }
}

/* ---------- FAQ ---------- */
.h-faq { padding: 100px 0; background: var(--off); }
.h-faq__grid { display: grid; gap: 36px; }
.h-faq__panel { padding: 4px 28px; border-radius: 28px; background: #fff; border: 1px solid var(--line); }
.h-faq__panel > [data-orientation="vertical"] { border-top: 0; }
.h-faq__panel > [data-orientation="vertical"] > div:last-child { border-bottom: 0; }
@media (min-width: 1024px) {
  .h-faq { padding: 120px 0; }
  .h-faq__grid { grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: 64px; align-items: start; }
  .h-faq__grid > .h-head { position: sticky; top: 112px; }
}

/* ---------- final CTA band ---------- */
.h-cta { padding: 72px 0; background: var(--blue-700); }
.h-cta__grid { display: grid; gap: 28px; }
.h-cta__title { margin: 0; font-family: var(--display); font-weight: 700; color: #fff; font-size: clamp(2rem, 1.3rem + 2.4vw, 2.9rem); line-height: 1.1; letter-spacing: -0.03em; }
.h-cta__text { margin: 0; max-width: 34rem; font-size: 18px; line-height: 1.7; color: rgb(255 255 255 / 0.9); }
.h-cta__actions { margin-top: 24px; display: flex; flex-wrap: wrap; gap: 12px; }
.h-cta__note { margin: 18px 0 0; font-size: 14px; color: rgb(255 255 255 / 0.85); }
@media (min-width: 1024px) {
  .h-cta { padding: 88px 0; }
  .h-cta__grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; align-items: center; }
}

/* ---------- focus and motion ---------- */
.is-home .h-cat__link:focus-visible, .is-home .h-gitem:focus-visible, .is-home .h-gfeature:focus-visible,
.is-home .h-btn:focus-visible, .is-home .h-floatlink:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }
@media (prefers-reduced-motion: reduce) { .is-home * { transition: none !important; } }


/* =====================================================================
   EDIT v2 — calculator, reviews, sticky bar, back-to-top, header, full-screen menu
   ===================================================================== */

/* ---------- loan calculator ---------- */
.h-calc { padding: 100px 0; background: var(--soft); }
.h-calc__grid { margin-top: 52px; display: grid; gap: 24px; align-items: stretch; }
.h-calc__form { padding: 28px; border-radius: 32px; background: #fff; box-shadow: var(--shadow-lift); display: flex; flex-direction: column; gap: 28px; }
.h-calc__assume { margin: auto 0 0; padding-top: 20px; border-top: 1px solid var(--line); font-size: 13px; line-height: 1.6; color: var(--muted); }
.h-field { min-width: 0; margin: 0; padding: 0; border: 0; }
.h-field__row { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.h-field__label { padding: 0; font-family: var(--display); font-weight: 700; font-size: 16px; color: var(--navy); }
.h-field__value { font-family: var(--display); font-weight: 800; font-size: 1.75rem; letter-spacing: -0.03em; color: var(--blue-700); font-variant-numeric: tabular-nums; }
.h-hint { margin: 8px 0 0; font-size: 13px; line-height: 1.5; color: var(--muted); }
.h-field-grid { display: grid; gap: 24px; }

.h-range { -webkit-appearance: none; appearance: none; display: block; width: 100%; height: 28px; margin: 10px 0 0; background: transparent; cursor: pointer; --fill: 50%; }
.h-range::-webkit-slider-runnable-track { height: 8px; border-radius: 999px; background: linear-gradient(90deg, var(--blue) var(--fill), var(--line) var(--fill)); }
.h-range::-moz-range-track { height: 8px; border-radius: 999px; background: var(--line); }
.h-range::-moz-range-progress { height: 8px; border-radius: 999px; background: var(--blue); }
.h-range::-webkit-slider-thumb { -webkit-appearance: none; width: 28px; height: 28px; margin-top: -10px; border-radius: 50%; background: #fff; border: 3px solid var(--blue-700); box-shadow: 0 2px 8px rgb(22 43 77 / .25); }
.h-range::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--blue-700); box-shadow: 0 2px 8px rgb(22 43 77 / .25); }
.h-range:focus-visible { outline: 3px solid var(--blue); outline-offset: 4px; border-radius: 14px; }
.h-range__ends { display: flex; justify-content: space-between; margin-top: 2px; font-size: 13px; color: var(--muted); }

.h-segs { margin-top: 12px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.h-seg { position: relative; display: block; }
.h-seg input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.h-seg > span { display: grid; place-items: center; min-height: 48px; border-radius: 999px; border: 1.5px solid var(--line-2); background: #fff; font-weight: 600; font-size: 16px; color: var(--navy); transition: background-color .15s, color .15s, border-color .15s; font-variant-numeric: tabular-nums; }
.h-seg__u { font-weight: 500; font-size: 13px; opacity: .75; margin-left: 2px; }
.h-seg { display: block; }
.h-seg > span { display: flex; align-items: center; justify-content: center; }
.h-seg input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.h-seg input:focus-visible + span { outline: 3px solid var(--blue); outline-offset: 3px; }
.h-seg:hover input:not(:checked) + span { border-color: var(--blue); }

.h-input { margin-top: 8px; display: flex; align-items: center; min-height: 52px; padding: 0 16px; border-radius: 16px; border: 1.5px solid var(--line-2); background: #fff; }
.h-input:focus-within { border-color: var(--blue-700); box-shadow: 0 0 0 3px rgb(52 120 246 / .25); }
.h-input input { flex: 1; min-width: 0; border: 0; background: transparent; outline: 0; font-family: var(--display); font-weight: 700; font-size: 18px; color: var(--navy); }
.h-input span { font-weight: 600; color: var(--muted); }
.h-calc__error { margin: -8px 0 0; padding: 10px 14px; border-radius: 12px; background: #fff1ee; color: #8a2a12; font-size: 14px; }

.h-calc__result { position: relative; overflow: hidden; padding: 32px 28px; border-radius: 32px; background: var(--navy); color: #fff; display: flex; flex-direction: column; }
.h-calc__result::before { content: ""; position: absolute; right: -90px; top: -90px; width: 260px; height: 260px; border-radius: 0 100% 0 100%; background: rgb(21 166 140 / .22); transform: rotate(8deg); pointer-events: none; }
.h-calc__result > * { position: relative; }
.h-calc__label { margin: 0; font-size: 15px; color: rgb(255 255 255 / .8); }
.h-calc__big { margin: 8px 0 0; display: flex; align-items: baseline; gap: 6px; font-family: var(--display); }
.h-calc__big output { font-weight: 800; font-size: clamp(2.6rem, 2rem + 3vw, 3.75rem); letter-spacing: -0.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.h-calc__per { font-size: 18px; font-weight: 600; color: rgb(255 255 255 / .7); }
.h-calc__bar { margin-top: 26px; display: flex; gap: 4px; height: 12px; }
.h-calc__bar span { display: block; flex: 1 1 0; border-radius: 999px; transition: flex-grow .25s ease; min-width: 6px; }
#calc-bar-received { background: #8db4ff; }
#calc-bar-cost { background: var(--teal); }
.h-calc__legend { margin-top: 10px; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13px; color: rgb(255 255 255 / .8); }
.h-calc__legend i { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 6px; }
.h-calc__legend .k1 { background: #8db4ff; } .h-calc__legend .k2 { background: var(--teal); }
.h-calc__rows { margin: 22px 0 0; display: grid; }
.h-calc__rows > div { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-top: 1px solid rgb(255 255 255 / .16); }
.h-calc__rows dt { font-size: 15px; color: rgb(255 255 255 / .82); }
.h-calc__rows dd { margin: 0; font-family: var(--display); font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.h-calc__note { margin: 18px 0 0; font-size: 13px; line-height: 1.6; color: rgb(255 255 255 / .75); }
.h-calc__cta { margin-top: auto; align-self: stretch; }
.h-calc__result .h-calc__note + .h-calc__cta { margin-top: 26px; }
@media (min-width: 640px) { .h-calc__form, .h-calc__result { padding: 40px; } .h-field-grid { grid-template-columns: 1fr 1fr; } .h-segs { grid-template-columns: repeat(6, minmax(0, 1fr)); } }
@media (min-width: 1024px) { .h-calc__grid { grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 28px; } }

/* ---------- customer reviews ---------- */
.h-reviews { padding: 100px 0; background: var(--soft); }
.h-devnote { margin: 20px 0 0; padding: 8px 16px; border: 1.5px dashed var(--line-2); border-radius: 14px; background: rgb(255 255 255 / .7); font-size: 14px; line-height: 1.5; color: var(--muted); }

/* Trustpilot-style stars */
.h-tp-star { display: inline-flex; width: 36px; height: 36px; border-radius: 4px; background: #dce0e5; padding: 4px; flex-shrink: 0; }
.h-tp-star--on { background: #00B67A; }
.h-tp-star svg { width: 100%; height: 100%; fill: #fff; }

/* Rating badge */
.h-reviews__rating { display: flex; flex-direction: column; align-items: center; gap: 10px; margin-top: 28px; }
.h-tp-badge { display: flex; align-items: center; gap: 14px; }
.h-tp-badge__stars { display: flex; gap: 4px; }
.h-tp-badge__info { text-align: left; }
.h-tp-badge__label { margin: 0; font-family: var(--display); font-weight: 700; font-size: 20px; color: var(--navy); line-height: 1.1; }
.h-tp-badge__score { margin: 2px 0 0; font-size: 15px; color: var(--muted); }
.h-tp-badge__score strong { color: var(--navy); }
.h-tp-badge__count { margin: 0; font-size: 15px; color: var(--muted); }
.h-tp-badge__count strong { color: var(--navy); }

/* Review cards */
.h-reviews__grid { margin-top: 52px; display: grid; gap: 24px; }
.h-reviews__media { display: none; border-radius: 32px 180px 32px 32px; }
.h-reviews__list { list-style: none; margin: 0; padding: 4px 4px 12px; display: flex; gap: 16px; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: thin; -webkit-overflow-scrolling: touch; }
.h-review { flex: 0 0 min(86%, 360px); scroll-snap-align: start; display: flex; flex-direction: column; padding: 28px; border-radius: 28px; background: #fff; border: 1px solid var(--line); }
.h-review__q { width: 32px; height: 32px; color: #00B67A; }
.h-review__stars { display: flex; gap: 3px; margin-top: 10px; }
.h-review__stars .h-tp-star { width: 22px; height: 22px; border-radius: 3px; padding: 3px; }
.h-review__text { margin: 14px 0 0; font-size: 16px; line-height: 1.65; color: var(--muted); font-style: italic; }
.h-review__who { margin-top: auto; padding-top: 20px; display: flex; align-items: center; gap: 14px; }
.h-review__avatar { width: 52px; flex: none; border-radius: 50%; overflow: hidden; }
.h-review__avatar .ph__name, .h-review__avatar .ph__size { display: none; }
.h-review__avatar .ph__label { background: transparent; padding: 0; }
.h-review__name { margin: 0; font-family: var(--display); font-weight: 700; font-size: 15px; color: var(--navy); }
.h-review__meta { margin: 2px 0 0; font-size: 13px; color: var(--muted); }
@media (min-width: 1024px) {
  .h-reviews__grid { grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: 40px; align-items: start; }
  .h-reviews__media { display: grid; position: sticky; top: 110px; }
  .h-reviews__list { flex-direction: column; overflow: visible; padding: 0; }
  .h-review { flex: none; flex-direction: column; }
}

/* ---------- mobile sticky bar ---------- */
.h-stickybar { position: fixed; z-index: 30; left: 0; right: 0; bottom: 0; display: flex; gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: rgb(247 250 255 / .94); border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -12px rgb(22 43 77 / .25); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); transform: translateY(110%); visibility: hidden; transition: transform .28s ease, visibility 0s linear .28s; }
.h-stickybar.is-on { transform: none; visibility: visible; transition: transform .28s ease, visibility 0s; }
.h-stickybar a { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; border-radius: 999px; font-weight: 600; font-size: 15px; line-height: 1.2; text-align: center; }
.h-stickybar__sec { flex: 0 0 auto; padding: 0 18px; background: #fff; color: var(--navy); box-shadow: inset 0 0 0 1.5px var(--line-2); }
.h-stickybar__main { flex: 1; padding: 0 14px; background: var(--blue-700); color: #fff; }
.h-stickybar__main:active { background: var(--navy); }
.h-stickybar a:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }
@media (min-width: 768px) { .h-stickybar { display: none; } }

/* ---------- back to top (tablet + desktop) with scroll-progress glow ---------- */
.h-totop { display: none; position: fixed; z-index: 30; right: 24px; bottom: 24px; width: 56px; height: 56px; padding: 0; border: 0; border-radius: 50%; background: var(--navy); color: #fff; cursor: pointer; place-items: center; box-shadow: 0 10px 24px -8px rgb(22 43 77 / .55); opacity: 0; visibility: hidden; transform: translateY(12px) scale(.9); transition: opacity .25s, transform .25s, visibility 0s linear .25s, background-color .15s; }
.h-totop.is-on { opacity: 1; visibility: visible; transform: none; transition: opacity .25s, transform .25s, visibility 0s, background-color .15s; }
.h-totop:hover { background: var(--blue-700); }
.h-totop:focus-visible { outline: 3px solid var(--blue); outline-offset: 4px; }
.h-totop__ring { position: absolute; inset: 0; width: 100%; height: 100%; transform: rotate(-90deg); overflow: visible; }
.h-totop__ring circle { fill: none; stroke-width: 3; }
.h-totop__track { stroke: rgb(255 255 255 / .22); }
.h-totop__fg { stroke: #8db4ff; stroke-linecap: round; filter: drop-shadow(0 0 4px rgb(141 180 255 / .95)) drop-shadow(0 0 9px rgb(52 120 246 / .8)); transition: stroke-dashoffset .12s linear; }
.h-totop__arrow { width: 22px; height: 22px; position: relative; }
@media (min-width: 768px) { .h-totop { display: grid; } }
@media (min-width: 1280px) { .h-totop { right: max(24px, calc((100vw - 1200px) / 2 - 8px)); } }

/* ---------- header: slides away on scroll down, returns on scroll up ---------- */
.is-home > header { transition: transform .28s ease; will-change: transform; }

/* ---------- full-screen menu (burger) ---------- */
.is-home > div[data-aria-hidden] { display: none; }
.is-home > [role="dialog"] { inset: 0; width: 100%; max-width: none; background: var(--off); box-shadow: none; animation: h-menu-in .24s ease-out both; }
@keyframes h-menu-in { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: none; } }
.is-home > [role="dialog"] > div:first-of-type { display: flex; align-items: center; min-height: 72px; padding: 0 76px 0 max(20px, calc((100% - 1200px) / 2 + 32px)); border-bottom: 1px solid var(--line); background: var(--off); position: sticky; top: 0; z-index: 2; }
.is-home > [role="dialog"] > button { position: fixed; top: 14px; right: max(16px, calc((100vw - 1200px) / 2 + 28px)); width: 44px; height: 44px; background: #fff; box-shadow: inset 0 0 0 1.5px var(--line-2); z-index: 3; }
.is-home > [role="dialog"] > nav { width: 100%; max-width: 1200px; margin: 0 auto; padding: 28px max(20px, 2vw) 24px; display: grid; gap: 8px 32px; align-content: start; }
.is-home > [role="dialog"] > nav > div { margin: 0; padding: 8px 0 14px; border-bottom: 1px solid var(--line); animation: h-menu-in .35s ease-out both; }
.is-home > [role="dialog"] > nav > div:nth-child(2) { animation-delay: .05s; } .is-home > [role="dialog"] > nav > div:nth-child(3) { animation-delay: .1s; }
.is-home > [role="dialog"] > nav > div > p { margin: 0 0 6px; font-family: var(--display); font-size: 14px; font-weight: 700; color: var(--teal-700); }
.is-home > [role="dialog"] > nav > div a { font-family: var(--display); font-size: 1.2rem; font-weight: 600; letter-spacing: -0.01em; padding: 9px 0; transition: color .15s, transform .15s; }
.is-home > [role="dialog"] > nav > div a:hover { color: var(--blue-700); transform: translateX(4px); }
.is-home > [role="dialog"] > nav > ul { margin: 0; }
.is-home > [role="dialog"] > nav > ul a { font-family: var(--display); font-size: 1.35rem; font-weight: 700; padding: 14px 0; }
.is-home > [role="dialog"] > div:nth-of-type(2) { margin-top: auto; padding: 18px max(20px, calc((100% - 1200px) / 2 + 32px)) calc(20px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); background: var(--off); display: flex; flex-direction: column; align-items: center; }
.is-home > [role="dialog"] > div:nth-of-type(2) > a:first-child { width: 100%; max-width: 440px; min-height: 56px; font-size: 17px; box-shadow: 0 12px 28px -12px rgb(31 95 214 / .6); }
@media (min-height: 700px) { .is-home > [role="dialog"] > div:nth-of-type(2) { position: sticky; bottom: 0; z-index: 2; } }
/* short phones: keep only the button pinned so it stays reachable; the notes scroll normally */
@media (max-height: 699px) {
  .is-home > [role="dialog"] > div:nth-of-type(2) { display: contents; }
  .is-home > [role="dialog"] > div:nth-of-type(2) > a:first-child { position: sticky; bottom: 12px; z-index: 2; align-self: center; width: calc(100% - 40px); margin: 12px 20px 0; }
  .is-home > [role="dialog"] > div:nth-of-type(2) > p, .is-home > [role="dialog"] > div:nth-of-type(2) > ul { padding-inline: 20px; text-align: center; }
  .is-home > [role="dialog"] > div:nth-of-type(2) > ul { padding-bottom: calc(16px + env(safe-area-inset-bottom)); justify-content: center; }
}
@media (min-width: 768px) {
  .is-home > [role="dialog"] > nav { grid-template-columns: repeat(3, minmax(0, 1fr)); padding-top: 44px; }
  .is-home > [role="dialog"] > nav > ul { grid-column: 1 / -1; }
  .is-home > [role="dialog"] > nav > div { border-bottom: 0; }
  .is-home > [role="dialog"] > nav > div a { font-size: 1.3rem; }
}
@media (prefers-reduced-motion: reduce) {
  .is-home > [role="dialog"], .is-home > [role="dialog"] > nav > div { animation: none; }
  .is-home > header, .h-stickybar, .h-totop, .h-calc__bar span { transition: none; }
}

/* ---------- apply page ---------- */
.h-apply { position: relative; overflow: hidden; background: linear-gradient(180deg, var(--soft) 0%, var(--off) 100%); padding: 48px 0 96px; }
.h-apply__blob { position: absolute; z-index: 0; border-radius: 50%; pointer-events: none; }
.h-apply__blob--a { width: 520px; height: 520px; left: -220px; top: -160px; background: radial-gradient(circle at 40% 40%, rgb(52 120 246 / .18), transparent 68%); }
.h-apply__blob--b { width: 460px; height: 460px; right: -200px; top: 380px; background: radial-gradient(circle at 60% 40%, rgb(21 166 140 / .16), transparent 68%); }
.h-apply::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 420px; z-index: 0; pointer-events: none; background-image: radial-gradient(var(--line-2) 1.2px, transparent 1.4px); background-size: 22px 22px; opacity: .55; -webkit-mask-image: linear-gradient(180deg, #000, transparent); mask-image: linear-gradient(180deg, #000, transparent); }
.h-apply__inner { position: relative; z-index: 1; }
.h-apply__h1 { font-size: clamp(2rem, 1.3rem + 2.6vw, 3rem); }
.h-apply__card { position: relative; max-width: 760px; margin: 40px auto 0; min-height: 420px; padding: 24px; border-radius: 28px; background: #fff; border: 1px solid var(--line); box-shadow: 0 0 0 8px rgb(255 255 255 / .55), 0 28px 70px -30px rgb(22 43 77 / .4); }
.h-apply__status { display: flex; align-items: center; gap: 12px; color: var(--muted); font-size: 15px; }
.h-apply__status[hidden] { display: none; }
.h-apply__status.is-error { color: var(--navy); padding: 14px 16px; border-radius: 16px; background: var(--off); border: 1px solid var(--line-2); line-height: 1.55; }
.h-apply__spinner { width: 18px; height: 18px; flex: none; border-radius: 50%; border: 2px solid var(--line-2); border-top-color: var(--blue); animation: h-spin .8s linear infinite; }
@keyframes h-spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .h-apply__spinner { animation-duration: 2.4s; } }
.h-apply__fail { margin: 0; color: var(--navy); line-height: 1.6; }
.h-apply__info { max-width: 760px; margin: 56px auto 0; padding: 28px; border-radius: 28px; background: rgb(255 255 255 / .7); border: 1px solid var(--line); }
.h-apply__aside-h { margin: 0; font-family: var(--display); font-weight: 700; font-size: 20px; color: var(--navy); }
.h-apply__list { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 14px; }
.h-apply__list li { display: flex; gap: 12px; font-size: 15px; line-height: 1.6; color: var(--muted); }
.h-apply__tick { flex: none; width: 20px; height: 20px; margin-top: 2px; border-radius: 50%; background: var(--teal-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%230E7D69' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5'/%3E%3C/svg%3E") center/16px no-repeat; }
.h-apply__links { margin: 22px 0 0; padding-top: 18px; border-top: 1px solid var(--line); display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 15px; font-weight: 600; }
.h-apply__links a { color: var(--blue-700); text-underline-offset: 4px; }
.h-apply__links a:hover { text-decoration: underline; }
@media (min-width: 640px) { .h-apply__card { padding: 36px; } .h-apply { padding: 64px 0 112px; } .h-apply__list { grid-template-columns: 1fr 1fr; gap: 18px 28px; } .h-apply__info { padding: 36px; } }

.h-apply__from { max-width: 760px; margin: 32px auto 0; display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; padding: 12px 18px; border-radius: 20px; background: var(--teal-50); border: 1px solid rgb(21 166 140 / .3); }
.h-apply__from[hidden] { display: none; }
.h-apply__from-ico { flex: none; width: 22px; height: 22px; border-radius: 50%; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%230E7D69' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5'/%3E%3C/svg%3E") center/16px no-repeat; }
.h-apply__from-text { margin: 0; flex: 1 1 260px; font-size: 15px; line-height: 1.5; color: var(--muted); }
.h-apply__from-text strong { color: var(--navy); font-family: var(--display); font-weight: 700; }
.h-apply__from-back { font-size: 14px; font-weight: 600; color: var(--teal-700); text-underline-offset: 4px; white-space: nowrap; }
.h-apply__from-back:hover { text-decoration: underline; }
.h-apply__from + .h-apply__card { margin-top: 16px; }

@media (min-width: 1280px) { .h-stage__circle { left: -96px; } }