/* PayactivUSA — Design 6 "Card Showcase" */
:root{
  --primary:#1A2B3C;
  --primary-dark:#0D1824;
  --primary-light:#F0F4F8;
  --slate:#334E68;
  --slate-dark:#1A2B3C;
  --accent:#10B981;
  --accent-dark:#059669;
  --accent-light:#D1FAE5;
  --silver:#BFC9D1;
  --bg:#FAFBFC;
  --bg-soft:#F0F4F8;
  --bg-dark:#1A2B3C;
  --text:#1A2B3C;
  --muted:#64748B;
  --border:#E2E8F0;
  --radius:12px;
  --radius-lg:18px;
  --shadow-sm:0 1px 3px rgba(26,43,60,.06),0 2px 10px rgba(26,43,60,.04);
  --shadow:0 10px 25px rgba(26,43,60,.08),0 20px 40px rgba(26,43,60,.08);
  --shadow-lg:0 20px 50px rgba(26,43,60,.12);
  --maxw:1240px;
  --font-head:'Sora',system-ui,-apple-system,'Segoe UI',sans-serif;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-dark);text-decoration:none;transition:all .2s}
a:hover{color:var(--primary-dark)}
h1,h2,h3,h4,h5,h6{font-family:var(--font-head);color:var(--primary);line-height:1.1;letter-spacing:-.025em;font-weight:700}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:.75rem}
h3{font-size:clamp(1.2rem,2vw,1.4rem);margin-bottom:.5rem;font-weight:600}
p{margin-bottom:1rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-sm{padding:48px 0}
.bg-soft{background:var(--bg-soft)}
.bg-dark{background:var(--bg-dark);color:#CBD5E1}
.bg-dark h1,.bg-dark h2,.bg-dark h3{color:#fff}
.text-center{text-align:center}
.lead{font-size:1.125rem;color:var(--muted);max-width:720px;margin:0 auto 2rem}

/* Chip badge (new in Design 6) */
.chip{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--border);padding:6px 14px;border-radius:999px;font-size:.82rem;font-weight:600;color:var(--slate);margin-bottom:20px;box-shadow:0 1px 3px rgba(0,0,0,.04)}
.chip .dot{width:8px;height:8px;background:var(--accent);border-radius:50%;box-shadow:0 0 0 3px rgba(16,185,129,.2)}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:12px;font-weight:600;font-size:1rem;cursor:pointer;border:none;transition:all .2s;font-family:var(--font-body);text-decoration:none}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 10px 25px rgba(26,43,60,.25)}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 15px 30px rgba(26,43,60,.35);color:#fff}
.btn-accent{background:var(--accent);color:#fff;box-shadow:0 10px 25px rgba(16,185,129,.3)}
.btn-accent:hover{background:var(--accent-dark);color:#fff}
.btn-outline{background:#fff;color:var(--primary);border:1px solid var(--border);box-shadow:0 1px 3px rgba(0,0,0,.04)}
.btn-outline:hover{border-color:var(--primary);color:var(--primary)}
.btn-ghost{background:var(--primary-light);color:var(--primary)}
.btn-ghost:hover{background:#DBE4EC;color:var(--primary)}
.btn-lg{padding:16px 32px;font-size:1.05rem}

/* Nav */
.nav{position:relative;z-index:10;background:#fff;border-bottom:1px solid var(--border)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:var(--maxw);margin:0 auto;gap:20px}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:800;font-size:1.4rem;color:var(--primary);letter-spacing:-.03em}
.logo-mark{width:36px;height:36px;background:linear-gradient(135deg,var(--slate) 0%,var(--primary) 100%);border-radius:10px;display:grid;place-items:center;color:#fff;font-weight:700;font-size:1rem;position:relative;box-shadow:0 4px 10px rgba(26,43,60,.2),inset 0 1px 1px rgba(255,255,255,.15)}
.logo-mark::after{content:"";position:absolute;top:5px;right:5px;width:7px;height:7px;background:var(--accent);border-radius:50%;box-shadow:0 0 8px rgba(16,185,129,.6)}
.logo-text{display:flex;flex-direction:column;line-height:1}
.logo-text small{font-size:.62rem;font-weight:600;color:var(--muted);letter-spacing:.1em;text-transform:uppercase;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none}
.nav-links a{color:var(--text);padding:8px 14px;border-radius:8px;font-weight:500;font-size:.92rem}
.nav-links a:hover{background:var(--bg-soft)}
.nav-cta{padding:10px 22px!important;background:var(--primary)!important;color:#fff!important;border-radius:999px!important}
.nav-cta:hover{background:var(--primary-dark)!important;color:#fff!important}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:6px}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--primary);margin:5px 0;transition:.2s}

/* Hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%);padding:70px 0 90px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:-200px;right:-200px;width:800px;height:800px;background:radial-gradient(circle,rgba(16,185,129,.1) 0%,transparent 60%);pointer-events:none;z-index:1}
.hero::after{content:"";position:absolute;bottom:-100px;left:-100px;width:500px;height:500px;background:radial-gradient(circle,rgba(51,78,104,.1) 0%,transparent 60%);pointer-events:none;z-index:1}
/* Hero background image (Classic Columns) */
.hero-bg{position:absolute;inset:0;overflow:hidden;z-index:0;pointer-events:none}
.hero-bg-image{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1554469384-e58fac16e23a?w=1600&q=80');background-size:cover;background-position:center;filter:blur(4px) brightness(1.08);transform:scale(1.04);will-change:transform}
/* Lighter on text side (left), more transparent on card side (right) so building shows */
.hero-bg-overlay{position:absolute;inset:0;background:linear-gradient(100deg,rgba(255,255,255,.72) 0%,rgba(255,255,255,.55) 35%,rgba(240,244,248,.35) 65%,rgba(240,244,248,.28) 100%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{color:var(--primary);margin-bottom:1.3rem;font-weight:800;text-shadow:0 1px 2px rgba(255,255,255,.4)}
.hero-sub{text-shadow:0 1px 2px rgba(255,255,255,.4)}
.hero h1 .hl{background:linear-gradient(135deg,var(--accent) 0%,var(--slate) 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-sub{font-size:1.1rem;color:var(--muted);margin-bottom:2rem;max-width:530px}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:1.5rem}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--border);padding:7px 14px;border-radius:999px;font-size:.82rem;font-weight:500;color:var(--slate);box-shadow:0 1px 2px rgba(0,0,0,.04)}
.hero-badge::before{content:"✓";color:var(--accent);font-weight:800}

/* 3D Card showcase (hero signature) */
.card-stage{position:relative;height:460px;perspective:2000px;display:grid;place-items:center}
.card-shadow{position:absolute;bottom:60px;left:50%;transform:translateX(-50%);width:280px;height:40px;background:radial-gradient(ellipse,rgba(26,43,60,.25) 0%,transparent 70%);filter:blur(15px);border-radius:50%}
.pcard{position:relative;width:340px;height:215px;border-radius:18px;background:linear-gradient(135deg,#2C4257 0%,var(--primary) 50%,#0D1824 100%);box-shadow:0 30px 60px rgba(26,43,60,.4),inset 0 1px 1px rgba(255,255,255,.1);transform:rotateY(-18deg) rotateX(8deg);transform-style:preserve-3d;animation:pcard-float 6s ease-in-out infinite;padding:24px}
@keyframes pcard-float{0%,100%{transform:rotateY(-18deg) rotateX(8deg) translateY(0)}50%{transform:rotateY(-14deg) rotateX(6deg) translateY(-10px)}}
.pcard::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,transparent 0%,rgba(255,255,255,.08) 50%,transparent 100%);border-radius:18px;pointer-events:none}
.pcard-top{display:flex;justify-content:space-between;align-items:flex-start}
.pcard-brand{font-family:var(--font-head);font-weight:800;color:#fff;font-size:1.1rem;letter-spacing:-.03em;display:flex;align-items:center;gap:6px}
.pcard-brand::before{content:"";width:16px;height:16px;background:var(--accent);border-radius:50%;box-shadow:0 0 10px rgba(16,185,129,.6)}
.pcard-chip{width:36px;height:26px;background:linear-gradient(135deg,#D4C280 0%,#A8924B 100%);border-radius:5px;box-shadow:inset 0 1px 2px rgba(255,255,255,.4);position:relative}
.pcard-chip::after{content:"";position:absolute;inset:4px 6px;border:1px solid rgba(0,0,0,.2);border-radius:2px}
.pcard-num{position:absolute;bottom:60px;left:24px;color:#fff;font-family:var(--font-head);letter-spacing:.1em;font-size:1rem;font-weight:500;opacity:.9}
.pcard-bottom{position:absolute;bottom:20px;left:24px;right:24px;display:flex;justify-content:space-between;align-items:flex-end;color:#fff}
.pcard-name{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;opacity:.75;font-weight:500}
.pcard-name strong{font-size:.9rem;font-weight:600;letter-spacing:.03em;display:block;margin-top:2px}
.pcard-visa{font-family:var(--font-head);font-weight:800;font-style:italic;font-size:1.3rem;letter-spacing:-.02em}

.float-stat{position:absolute;background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px 18px;box-shadow:0 15px 40px rgba(26,43,60,.15);display:flex;align-items:center;gap:12px;z-index:3}
.fs-icon{width:38px;height:38px;background:rgba(16,185,129,.1);border-radius:10px;display:grid;place-items:center;font-size:1.1rem}
.fs-text .l{font-size:.65rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:600}
.fs-text .v{font-family:var(--font-head);font-weight:700;color:var(--primary);font-size:.95rem}
.fs-1{top:30px;right:-20px;animation:fs-bob 4s ease-in-out infinite}
.fs-2{bottom:50px;left:-20px;animation:fs-bob 4s ease-in-out infinite .5s}
@keyframes fs-bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-6px)}}

/* Apply section — 2-column (copy left, form right) */
.apply-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:50px;align-items:start}
.apply-copy h2{color:var(--primary);line-height:1.15}
.apply-copy h2 .hl{background:linear-gradient(135deg,var(--accent) 0%,var(--slate) 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.apply-benefits{list-style:none;margin:1.5rem 0;padding:0;display:grid;gap:14px}
.apply-benefits li{display:flex;gap:14px;align-items:flex-start;color:var(--text);font-size:.95rem;line-height:1.5}
.apply-benefits li strong{color:var(--primary);font-weight:600;display:block;margin-bottom:2px}
.apply-benefits .muted{color:var(--muted);font-size:.85rem}
.apply-check{flex-shrink:0;width:24px;height:24px;background:var(--accent);color:#fff;border-radius:50%;display:grid;place-items:center;font-size:.78rem;font-weight:800;margin-top:2px;box-shadow:0 4px 10px rgba(16,185,129,.3)}
.apply-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--border)}
.apply-trust-item{text-align:center}
.apply-trust-item strong{display:block;font-family:var(--font-head);font-size:1.3rem;color:var(--primary);font-weight:700;margin-bottom:2px}
.apply-trust-item span{font-size:.78rem;color:var(--muted);line-height:1.3}

/* Form card (lead gen) */
.form-card{background:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-lg);border:1px solid var(--border);color:var(--text)}
.form-card h3{color:var(--primary);margin-bottom:.4rem;font-size:1.35rem;font-weight:700}
.form-card .form-sub{font-size:.9rem;color:var(--muted);margin-bottom:1rem}
.form-note{font-size:.75rem;color:var(--muted);margin-top:10px;text-align:center;line-height:1.5}

/* Trust strip */
.trust-strip{background:#fff;padding:30px 0;border-bottom:1px solid var(--border);border-top:1px solid var(--border)}
.trust-row{display:flex;flex-wrap:wrap;justify-content:space-around;align-items:center;gap:30px}
.trust-item{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.9rem;font-weight:500}
.trust-item strong{color:var(--primary);font-size:1.1rem;font-weight:700;font-family:var(--font-head)}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin-top:40px}
.cards-image{grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.cards-image{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.cards-image{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:all .25s;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}

/* Image card variant (Design 1) */
.card-image{padding:0;display:flex;flex-direction:column;overflow:hidden}
.card-img{height:190px;background-size:cover;background-position:center;position:relative;flex-shrink:0}
.card-img::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(26,43,60,.35));pointer-events:none}
.card-img-icon{position:absolute;top:14px;left:14px;background:#fff;color:var(--primary);width:42px;height:42px;border-radius:12px;display:grid;place-items:center;font-size:1.15rem;z-index:2;box-shadow:0 4px 12px rgba(0,0,0,.18)}
.card-img-pill{position:absolute;top:14px;right:14px;background:rgba(255,255,255,.95);color:var(--primary);padding:5px 11px;border-radius:999px;font-size:.66rem;font-weight:700;letter-spacing:.08em;z-index:2;backdrop-filter:blur(4px);text-transform:uppercase}
.card-body{padding:24px 24px 22px;flex:1;display:flex;flex-direction:column}
.card-body h3{color:var(--primary);margin-bottom:10px;font-size:1.1rem;font-weight:600}
.card-body p{color:var(--muted);font-size:.92rem;flex:1;margin-bottom:14px}
.card-image:hover .card-img{transform:none}
.card::before{content:"";position:absolute;top:0;left:0;width:4px;height:0;background:var(--accent);transition:.3s}
.card:hover{box-shadow:0 20px 40px rgba(26,43,60,.08);transform:translateY(-3px);border-color:transparent}
.card:hover::before{height:100%}
.card-icon{width:48px;height:48px;background:var(--primary-light);border-radius:14px;display:grid;place-items:center;font-size:1.4rem;margin-bottom:16px;color:var(--primary)}
.card h3{margin-bottom:10px;font-size:1.15rem;color:var(--primary);font-weight:600}
.card p{color:var(--muted);font-size:.93rem;margin-bottom:1rem}
.card a.card-link{font-weight:600;font-size:.9rem;color:var(--accent-dark);display:inline-flex;align-items:center;gap:4px}
.card a.card-link::after{content:"→";transition:transform .2s}
.card:hover a.card-link::after{transform:translateX(3px)}
.card .pill{display:inline-flex;padding:4px 10px;background:rgba(16,185,129,.1);color:var(--accent-dark);border-radius:999px;font-size:.72rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-top:4px}

/* Feature row */
.feature-row{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;margin:60px 0}
.feature-row:nth-child(even) .feature-media{order:2}
.feature-media{background:linear-gradient(135deg,var(--primary-light) 0%,#DBE4EC 100%);border-radius:var(--radius-lg);padding:40px;min-height:280px;display:grid;place-items:center;position:relative;overflow:hidden;border:1px solid var(--border)}
.feature-media .big-emoji{font-size:6rem;filter:drop-shadow(0 8px 20px rgba(26,43,60,.15))}
.feature-content h2{color:var(--primary);margin-bottom:1rem}
.feature-list{list-style:none;margin:1.25rem 0}
.feature-list li{padding:8px 0 8px 28px;position:relative;color:var(--text)}
.feature-list li::before{content:"✓";position:absolute;left:0;top:8px;width:20px;height:20px;background:var(--accent);color:#fff;border-radius:50%;display:grid;place-items:center;font-size:.75rem;font-weight:800}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;margin-top:40px}
.step{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;position:relative;transition:.25s}
.step:hover{box-shadow:var(--shadow-sm);border-color:var(--primary-light)}
.step-num{position:absolute;top:-16px;left:24px;width:36px;height:36px;background:var(--accent);color:#fff;border-radius:10px;display:grid;place-items:center;font-weight:800;font-family:var(--font-head);font-size:.95rem;box-shadow:0 6px 15px rgba(16,185,129,.3)}
.step h3{margin-top:12px;margin-bottom:10px;color:var(--primary)}
.step p{color:var(--muted);font-size:.95rem;margin-bottom:0}

/* Rates table */
.table-wrap{overflow-x:auto;margin:30px 0;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--border)}
table.rates{width:100%;border-collapse:collapse;background:#fff;min-width:600px}
table.rates th,table.rates td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--border)}
table.rates thead th{background:var(--primary);color:#fff;font-weight:600;font-family:var(--font-head);letter-spacing:.02em}
table.rates tbody tr:hover{background:var(--bg-soft)}
table.rates td:first-child{font-weight:600;color:var(--primary)}
table.rates tbody tr:last-child td{border-bottom:none}

/* FAQ */
.faq{max-width:820px;margin:40px auto 0}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:12px;overflow:hidden;transition:all .2s}
.faq details[open]{border-color:var(--accent);box-shadow:var(--shadow-sm)}
.faq summary{padding:18px 22px;cursor:pointer;font-weight:600;color:var(--primary);font-family:var(--font-head);list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;font-weight:400;color:var(--accent);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-answer{padding:0 22px 20px;color:var(--text);line-height:1.75}
.faq .faq-answer p{margin-bottom:.75rem}
.faq .faq-answer p:last-child{margin-bottom:0}

/* Reviews */
.reviews-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:40px}
.review{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow-sm);transition:.25s}
.review:hover{box-shadow:var(--shadow)}
.stars{color:var(--accent);font-size:1.1rem;margin-bottom:10px;letter-spacing:2px}
.review p{font-style:italic;color:var(--text);margin-bottom:16px}
.reviewer{display:flex;align-items:center;gap:12px;border-top:1px solid var(--border);padding-top:14px}
.reviewer-avatar{width:40px;height:40px;background:linear-gradient(135deg,var(--slate),var(--primary));color:#fff;border-radius:12px;display:grid;place-items:center;font-weight:700;font-family:var(--font-head);font-size:.9rem}
.reviewer-info{line-height:1.3}
.reviewer-name{font-weight:600;color:var(--primary);font-size:.95rem}
.reviewer-meta{font-size:.8rem;color:var(--muted)}

/* Author bio card */
.author-card{background:#fff;border:1px solid var(--border);border-left:4px solid var(--accent);border-radius:var(--radius-lg);padding:22px;display:flex;gap:18px;align-items:flex-start;margin:30px 0;box-shadow:var(--shadow-sm)}
.author-avatar{width:60px;height:60px;background:linear-gradient(135deg,var(--slate),var(--primary));color:#fff;border-radius:14px;display:grid;place-items:center;font-family:var(--font-head);font-weight:700;font-size:1.3rem;flex-shrink:0}
.author-info h4{color:var(--primary);margin-bottom:4px;font-size:1.05rem;font-family:var(--font-head);font-weight:700}
.author-info .author-cred{font-size:.85rem;color:var(--muted);font-weight:500;margin-bottom:8px}
.author-info p{font-size:.9rem;color:var(--text);margin-bottom:0;line-height:1.6}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;padding:60px;text-align:center;border-radius:var(--radius-lg);margin:60px auto;max-width:1120px;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;top:-200px;right:-200px;width:500px;height:500px;background:radial-gradient(circle,rgba(16,185,129,.2),transparent 60%);border-radius:50%}
.cta-band h2{color:#fff;margin-bottom:1rem;position:relative;z-index:2}
.cta-band p{color:rgba(255,255,255,.85);max-width:560px;margin:0 auto 1.5rem;position:relative;z-index:2}
.cta-band .btn-primary{background:var(--accent);box-shadow:0 10px 25px rgba(16,185,129,.4);position:relative;z-index:2}
.cta-band .btn-primary:hover{background:var(--accent-dark)}

/* Breadcrumbs */
.crumbs{padding:16px 0;font-size:.85rem;color:var(--muted);background:var(--bg-soft);border-bottom:1px solid var(--border)}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--primary)}
.crumbs .sep{margin:0 8px;color:var(--border)}
.crumbs .current{color:var(--primary);font-weight:600}

/* Article */
.article{max-width:780px;margin:0 auto}
.article-meta{display:flex;flex-wrap:wrap;gap:16px;color:var(--muted);font-size:.9rem;margin:12px 0 24px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.article h2{margin-top:2.5rem;margin-bottom:1rem;color:var(--primary)}
.article h3{margin-top:1.75rem;margin-bottom:.75rem;color:var(--primary)}
.article p{color:var(--text);line-height:1.75;margin-bottom:1.2rem;font-size:1.03rem}
.article ul,.article ol{margin:1rem 0 1.3rem 1.5rem;color:var(--text)}
.article li{margin-bottom:.5rem;line-height:1.7}
.article .callout{background:var(--accent-light);border-left:4px solid var(--accent);padding:18px 22px;border-radius:8px;margin:1.5rem 0;color:var(--primary)}
.article .callout strong{color:var(--primary)}

/* Spec section (new) */
.spec-section{background:var(--primary);color:#fff;border-radius:var(--radius-lg);padding:50px;margin:40px auto;max-width:1120px;position:relative;overflow:hidden}
.spec-section::before{content:"";position:absolute;top:-200px;right:-200px;width:500px;height:500px;background:radial-gradient(circle,rgba(16,185,129,.2),transparent 60%);border-radius:50%}
.spec-section > *{position:relative;z-index:2}
.spec-section h2,.spec-section h3{color:#fff}

/* Footer */
footer{background:var(--bg-dark);color:#CBD5E1;padding:60px 0 24px;margin-top:60px}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:40px;margin-bottom:40px}
.foot-grid-5{grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
.foot-brand p{color:#8FA2B4;font-size:.9rem;margin-top:12px;max-width:300px}
.foot-col h4{color:#fff;font-family:var(--font-head);font-size:1rem;margin-bottom:16px;font-weight:700}
.foot-col ul{list-style:none}
.foot-col li{margin-bottom:8px}
.foot-col a{color:#CBD5E1;font-size:.88rem}
.foot-col a:hover{color:var(--accent)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:24px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;font-size:.82rem;color:#8FA2B4}
.foot-bottom a{color:#8FA2B4}
.foot-bottom a:hover{color:var(--accent)}
.foot-disclosure{max-width:900px;margin:20px auto 0;padding:16px;background:rgba(255,255,255,.03);border-radius:8px;font-size:.78rem;color:#8FA2B4;line-height:1.55}

/* Responsive */
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .feature-row{grid-template-columns:1fr;gap:24px}
  .feature-row:nth-child(even) .feature-media{order:0}
  .foot-grid,.foot-grid-5{grid-template-columns:1fr 1fr;gap:28px}
  .card-stage{height:380px}
  .pcard{width:290px;height:184px;transform:rotateY(-12deg) rotateX(5deg)}
  .apply-grid{grid-template-columns:1fr;gap:36px}
  .apply-trust{grid-template-columns:repeat(3,1fr);gap:10px}
}
@media (max-width:720px){
  .nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:14px;border-bottom:1px solid var(--border);box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 14px;width:100%}
  .menu-toggle{display:block}
  .section{padding:52px 0}
  .foot-grid,.foot-grid-5{grid-template-columns:1fr}
  .trust-row{gap:18px}
  .trust-item{font-size:.82rem}
  .trust-item strong{font-size:1rem}
  .cta-band{padding:40px 24px;margin:40px 12px}
  .float-stat{padding:10px 12px}
  .float-stat .fs-text .v{font-size:.82rem}
  .fs-1{right:-8px}
  .fs-2{left:-8px}
}

/* Payactiv Card specs — Orbit layout */
.orbit{background:radial-gradient(ellipse at center,#24394E 0%,#1A2B3C 45%,#0D1824 100%);border-radius:28px;padding:64px 50px;color:#fff;position:relative;overflow:hidden;margin:40px 0}
.orbit::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.07) 1px,transparent 0);background-size:26px 26px;pointer-events:none}
.orbit > *{position:relative}
.orbit-head{text-align:center;max-width:640px;margin:0 auto 48px}
.orbit-head h2{color:#fff;margin:14px 0 10px}
.orbit-head p{color:rgba(255,255,255,.72)}
.orbit-chip{display:inline-flex;align-items:center;gap:8px;background:rgba(16,185,129,.15);border:1px solid rgba(16,185,129,.35);padding:6px 14px;border-radius:999px;font-size:.82rem;font-weight:600;color:#fff}
.orbit-chip i{width:8px;height:8px;background:var(--accent);border-radius:50%}
.orbit-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:40px;align-items:center}
.orbit-col{display:flex;flex-direction:column;gap:18px}
.orbit-col.left{text-align:right}
.orbit-item{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:18px 20px;display:flex;gap:14px;align-items:center;transition:.25s}
.orbit-col.left .orbit-item{flex-direction:row-reverse}
.orbit-item:hover{background:rgba(16,185,129,.1);border-color:rgba(16,185,129,.4)}
.orbit-ico{flex-shrink:0;width:42px;height:42px;border-radius:12px;background:rgba(16,185,129,.15);display:grid;place-items:center}
.orbit-k{font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.5);font-weight:700}
.orbit-v{font-family:var(--font-head);font-weight:700;color:var(--accent);font-size:1.15rem}
.orbit-v small{color:rgba(255,255,255,.6);font-family:var(--font-body);font-weight:500;font-size:.78rem;margin-left:5px}
.orbit-center{position:relative;padding:40px 0;z-index:1}
.orbit-center::before{content:"";position:absolute;inset:-30px;border:1px dashed rgba(16,185,129,.35);border-radius:50%}
.orbit-center::after{content:"";position:absolute;width:300px;height:300px;left:50%;top:50%;transform:translate(-50%,-50%);background:radial-gradient(circle,rgba(16,185,129,.3),transparent 65%);z-index:-1}
.orbit-center .pcard{width:300px;height:auto;aspect-ratio:1.586;transform:none;animation:orbit-float 6s ease-in-out infinite}
@keyframes orbit-float{0%,100%{transform:translateY(0) rotate(-4deg)}50%{transform:translateY(-10px) rotate(-2deg)}}
.orbit-cta{text-align:center;margin-top:48px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.orbit-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.3)}
.orbit-ghost:hover{border-color:#fff;color:#fff}
@media(max-width:1000px){
  .orbit-grid{grid-template-columns:1fr}
  .orbit-col.left{text-align:left}
  .orbit-col.left .orbit-item{flex-direction:row}
  .orbit-center{order:-1;display:grid;place-items:center}
  .orbit-center::before{display:none}
  .orbit{padding:36px 20px}
}
@media(max-width:400px){.orbit-center .pcard{width:260px}}

/* How it works — Phone mockup + clickable steps */
.tl-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:44px}
.hw-radio{position:absolute;opacity:0;pointer-events:none}
.hw{display:grid;grid-template-columns:1fr 1.15fr;gap:60px;align-items:center;margin-top:48px}
.hw-phone{width:290px;height:580px;margin:0 auto;background:#0D1824;border-radius:44px;padding:14px;box-shadow:0 40px 80px rgba(26,43,60,.35);position:relative}
.hw-phone::before{content:"";position:absolute;top:22px;left:50%;transform:translateX(-50%);width:90px;height:22px;background:#0D1824;border-radius:20px;z-index:3}
.hw-screen{position:absolute;inset:14px;background:linear-gradient(180deg,var(--bg-soft),#fff);border-radius:32px;padding:60px 20px 20px;opacity:0;transition:opacity .35s}
.hw-screen h4{font-family:var(--font-head);font-size:1.25rem;margin-bottom:18px;color:var(--primary)}
.hw-f{background:#fff;border:1px solid var(--border);border-radius:12px;padding:10px 12px;margin-bottom:10px}
.hw-f label{font-size:.65rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.hw-f div{font-weight:600;font-size:.9rem;color:var(--primary)}
.hw-bal{background:var(--primary);color:#fff;border-radius:16px;padding:18px;margin-bottom:14px}
.hw-bal small{opacity:.7;font-size:.75rem;display:block}
.hw-bal strong{font-family:var(--font-head);font-size:1.7rem}
.hw-bar{height:8px;background:var(--border);border-radius:8px;margin-bottom:14px}
.hw-bar span{display:block;width:62%;height:100%;background:var(--accent);border-radius:8px}
.hw-row{display:flex;justify-content:space-between;font-size:.85rem;padding:10px 0;border-bottom:1px solid var(--border);color:var(--text)}
.hw-row .ok{color:var(--accent-dark)}
.hw-opt{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--border);border-radius:12px;padding:12px;margin-bottom:10px;font-size:.85rem;color:var(--primary)}
.hw-opt span{color:var(--muted);font-size:.75rem}
.hw-opt.on{border:2px solid var(--accent);background:#ECFDF5}
.hw-btn{position:absolute;bottom:22px;left:20px;right:20px;background:var(--accent);color:#fff;text-align:center;padding:14px;border-radius:14px;font-weight:700}
.hw-tabs{display:flex;flex-direction:column;gap:12px}
.hw-tab{display:flex;gap:16px;padding:20px 22px;border-radius:16px;border:1px solid transparent;cursor:pointer;transition:.2s}
.hw-tab:hover{background:#fff}
.hw-n{flex-shrink:0;width:44px;height:44px;border-radius:12px;background:#fff;border:1px solid var(--border);display:grid;place-items:center;font-family:var(--font-head);font-weight:800;color:var(--primary);transition:.2s}
.hw-tab h3{font-size:1.05rem;margin-bottom:4px;color:var(--primary)}
.hw-tab p{font-size:.9rem;color:var(--muted);margin:0}
#hw0:checked~.hw .hw-s0{opacity:1}
#hw0:checked~.hw label[for=hw0]{background:#fff;border-color:var(--accent);box-shadow:0 10px 25px rgba(16,185,129,.12)}
#hw0:checked~.hw label[for=hw0] .hw-n{background:var(--accent);color:#fff;border-color:var(--accent)}
#hw1:checked~.hw .hw-s1{opacity:1}
#hw1:checked~.hw label[for=hw1]{background:#fff;border-color:var(--accent);box-shadow:0 10px 25px rgba(16,185,129,.12)}
#hw1:checked~.hw label[for=hw1] .hw-n{background:var(--accent);color:#fff;border-color:var(--accent)}
#hw2:checked~.hw .hw-s2{opacity:1}
#hw2:checked~.hw label[for=hw2]{background:#fff;border-color:var(--accent);box-shadow:0 10px 25px rgba(16,185,129,.12)}
#hw2:checked~.hw label[for=hw2] .hw-n{background:var(--accent);color:#fff;border-color:var(--accent)}
#hw3:checked~.hw .hw-s3{opacity:1}
#hw3:checked~.hw label[for=hw3]{background:#fff;border-color:var(--accent);box-shadow:0 10px 25px rgba(16,185,129,.12)}
#hw3:checked~.hw label[for=hw3] .hw-n{background:var(--accent);color:#fff;border-color:var(--accent)}
@media(max-width:900px){.hw{grid-template-columns:1fr;gap:36px}}
@media(max-width:380px){.hw-phone{width:260px;height:540px}}

/* Feature deep dive — Color bands */
.fb-band{border-radius:30px;padding:56px;display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;margin-top:28px;position:relative;overflow:hidden}
.fb-num{position:absolute;top:-30px;right:30px;font-family:var(--font-head);font-weight:800;font-size:11rem;line-height:1;opacity:.07;pointer-events:none}
.fb-b0{background:#ECFDF5}.fb-b1{background:var(--primary);color:#fff}.fb-b2{background:var(--bg-soft)}
.fb-b1 h2,.fb-b1 .fb-chk li{color:#fff}.fb-b1 p{color:rgba(255,255,255,.78)}.fb-b1 .fb-kicker{color:var(--accent)}.fb-b1 .fb-num{color:#fff;opacity:.06}
.fb-b1 .fb-ill{background:linear-gradient(135deg,#24394E,#0D1824)}
.fb-band:nth-of-type(even) .fb-ill{order:-1}
.fb-content{position:relative}
.fb-band h2{font-size:clamp(1.6rem,2.6vw,2.1rem)}
.fb-band p{line-height:1.75}
.fb-kicker{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:10px}
.fb-stat{margin:6px 0 10px}.fb-stat b{font-family:var(--font-head);font-size:2rem;display:block;color:var(--accent);line-height:1.1}.fb-stat span{font-size:.8rem;opacity:.7}
.fb-chk{list-style:none;margin:18px 0 24px;padding:0}
.fb-chk li{padding:7px 0 7px 30px;position:relative;color:var(--text);font-size:.95rem}
.fb-chk li::before{content:"✓";position:absolute;left:0;top:8px;width:20px;height:20px;border-radius:50%;background:var(--accent);color:#fff;font-size:.72rem;font-weight:800;display:grid;place-items:center}
/* CSS app illustrations */
.fb-ill{position:relative;width:100%;min-height:340px;border-radius:22px;background:linear-gradient(135deg,#D9F5E9,#F0F4F8);display:grid;place-items:center;padding:36px;overflow:hidden}
.fb-ill::before{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.22),transparent 65%);top:-70px;right:-60px}
.fb-ui{position:relative;background:#fff;border-radius:18px;padding:20px;width:100%;max-width:300px;box-shadow:0 20px 45px rgba(26,43,60,.15);font-size:.85rem;color:var(--primary)}
.fb-lbl{font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.fb-big{font-family:var(--font-head);font-weight:800;font-size:1.9rem;margin:4px 0 12px}
.fb-bar{height:8px;background:var(--border);border-radius:8px;margin-bottom:12px}.fb-bar span{display:block;width:50%;height:100%;background:var(--accent);border-radius:8px}
.fb-flex{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #F1F5F9}.fb-flex:last-child{border:0}.fb-sm{font-size:.72rem;color:var(--muted)}
.fb-g{color:var(--accent-dark)}
.fb-btn{margin-top:14px;background:var(--accent);color:#fff;text-align:center;padding:11px;border-radius:12px;font-weight:700}
.fb-float{position:absolute;background:#fff;border-radius:12px;padding:8px 13px;font-size:.78rem;font-weight:700;color:var(--primary);box-shadow:0 10px 25px rgba(26,43,60,.15)}
.fb-f1{top:22px;left:22px}.fb-f2{bottom:22px;right:22px}
.fb-mcard{position:absolute;top:30px;left:30px;width:190px;aspect-ratio:1.586;border-radius:14px;background:linear-gradient(135deg,#2C4257,#0D1824);color:#fff;padding:14px;transform:rotate(-8deg);box-shadow:0 20px 40px rgba(0,0,0,.35);z-index:2;border:1px solid rgba(255,255,255,.12)}
.fb-mc-top{display:flex;justify-content:space-between;font-family:var(--font-head)}.fb-mc-top i{width:24px;height:17px;background:linear-gradient(135deg,#D4C280,#A8924B);border-radius:4px}
.fb-mc-num{position:absolute;bottom:34px;left:14px;font-size:.8rem;letter-spacing:.1em}.fb-mc-v{position:absolute;bottom:10px;right:14px;font-family:var(--font-head);font-weight:800;font-style:italic}
.fb-tx{margin-top:90px;margin-left:60px}
.fb-chead{display:flex;gap:10px;align-items:center;padding-bottom:12px;border-bottom:1px solid #F1F5F9;margin-bottom:12px}
.fb-av{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--slate),var(--primary));color:#fff;display:grid;place-items:center;font-weight:700;font-size:.8rem}
.fb-chead small{display:block;color:var(--accent);font-size:.7rem}
.fb-bub{padding:9px 12px;border-radius:14px;margin-bottom:8px;max-width:85%;line-height:1.4}
.fb-bub.l{background:var(--bg-soft)}.fb-bub.r{background:var(--accent);color:#fff;margin-left:auto}
@media(max-width:900px){.fb-band{grid-template-columns:1fr;padding:28px;gap:28px}.fb-band:nth-of-type(even) .fb-ill{order:0}.fb-num{font-size:7rem}.fb-tx{margin-left:30px}}

/* Payactiv calculator */
.calc{max-width:1000px;margin:40px auto 0;background:#fff;border:1px solid var(--border);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}
.calc-tabs{display:flex;gap:6px;padding:8px;background:var(--bg-soft);border-bottom:1px solid var(--border)}
.calc-tab{flex:1;border:0;background:transparent;padding:14px 12px;border-radius:14px;font-family:var(--font-body);font-weight:600;font-size:.95rem;color:var(--muted);cursor:pointer;transition:.2s}
.calc-tab:hover{color:var(--primary)}
.calc-tab.active{background:#fff;color:var(--primary);box-shadow:var(--shadow-sm)}
.calc-panel{display:none;grid-template-columns:1.1fr 1fr}
.calc-panel.active{display:grid}
.calc-inputs{padding:36px;display:flex;flex-direction:column;gap:26px}
.calc-field label{display:flex;justify-content:space-between;align-items:baseline;font-weight:600;font-size:.92rem;color:var(--primary);margin-bottom:12px;gap:10px}
.calc-field output{font-family:var(--font-head);font-weight:700;color:var(--accent-dark);font-size:1.05rem}
.calc input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:8px;background:linear-gradient(90deg,var(--accent) var(--fill,50%),var(--border) var(--fill,50%));outline:none;cursor:pointer}
.calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:4px solid var(--accent);box-shadow:0 4px 10px rgba(16,185,129,.35)}
.calc input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:4px solid var(--accent);box-shadow:0 4px 10px rgba(16,185,129,.35)}
.calc input[type=range]:focus-visible::-webkit-slider-thumb{outline:3px solid rgba(16,185,129,.4);outline-offset:2px}
.calc-result{background:radial-gradient(ellipse at top right,#24394E,var(--primary) 55%,#0D1824);color:#fff;padding:36px;display:flex;flex-direction:column}
.calc-lbl{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.6);font-weight:700}
.calc-big{font-family:var(--font-head);font-weight:800;font-size:3.2rem;color:var(--accent);line-height:1.1;margin:8px 0 20px;letter-spacing:-.03em}
.calc-rows div{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.92rem;color:rgba(255,255,255,.78)}
.calc-rows b{color:#fff;font-family:var(--font-head)}
.calc-rows b.calc-g{color:var(--accent)}
.calc-btn{margin-top:24px;justify-content:center}
.calc-note{font-size:.75rem;color:rgba(255,255,255,.55);margin:16px 0 0;line-height:1.5}
@media(max-width:820px){.calc-panel.active{grid-template-columns:1fr}.calc-inputs,.calc-result{padding:26px 22px}.calc-big{font-size:2.6rem}.calc-tab{font-size:.82rem}}

/* Rates snapshot — Receipt style */
.rc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.rc-copy h2{margin:4px 0 14px}
.rc-copy p{color:var(--muted);font-size:1.05rem}
.rc-promise{display:grid;gap:12px;margin:24px 0 28px}
.rc-promise div{display:flex;gap:12px;align-items:center;background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px 16px;font-weight:600;color:var(--primary);font-size:.93rem}
.rc-promise span{width:32px;height:32px;border-radius:10px;background:var(--accent-light);color:var(--accent-dark);display:grid;place-items:center;flex-shrink:0;font-weight:800}
.rc-actions{display:flex;gap:12px;flex-wrap:wrap}
.rc-receipt-wrap{padding:10px 0 24px}
.receipt{background:#fff;width:100%;max-width:470px;margin:0 auto;padding:34px 30px 40px;box-shadow:0 30px 60px rgba(26,43,60,.18);position:relative;transform:rotate(1.5deg)}
.receipt::after{content:"";position:absolute;left:0;right:0;bottom:-14px;height:14px;background:linear-gradient(-45deg,transparent 7px,#fff 0),linear-gradient(45deg,transparent 7px,#fff 0);background-size:14px 14px;background-repeat:repeat-x}
.rc-h{text-align:center;border-bottom:2px dashed #CBD5E1;padding-bottom:16px;margin-bottom:6px}
.rc-h b{font-family:var(--font-head);font-size:1.35rem;color:var(--primary);display:flex;align-items:center;gap:8px;justify-content:center}
.rc-h b::before{content:"";width:12px;height:12px;background:var(--accent);border-radius:50%}
.rc-h small{color:var(--muted);font-size:.75rem;letter-spacing:.15em;text-transform:uppercase}
.rc-line{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px dotted var(--border);font-size:.9rem;color:var(--primary);font-weight:600}
.rc-line small{display:block;color:var(--muted);font-size:.74rem;font-weight:400;margin-top:3px}
.rc-amt{text-align:right;flex-shrink:0;max-width:45%}
.rc-amt b{font-family:var(--font-head);white-space:nowrap;color:var(--primary)}
.rc-amt b.rc-z{color:var(--accent-dark);font-size:1.05rem}
.rc-total{display:flex;justify-content:space-between;align-items:center;margin-top:16px;padding-top:14px;border-top:2px dashed #CBD5E1;gap:10px}
.rc-total span{font-weight:700;letter-spacing:.08em;font-size:.76rem;text-transform:uppercase;color:var(--primary)}
.rc-total b{font-family:var(--font-head);font-size:2.1rem;color:var(--accent)}
.rc-stamp{position:absolute;top:96px;right:18px;border:3px solid var(--accent);color:var(--accent);font-family:var(--font-head);font-weight:800;padding:6px 12px;border-radius:8px;transform:rotate(-14deg);opacity:.75;font-size:.82rem;letter-spacing:.1em;pointer-events:none;background:rgba(255,255,255,.6)}
.rc-foot{text-align:center;color:var(--muted);font-size:.85rem;max-width:860px;margin:40px auto 0}
@media(max-width:900px){.rc-wrap{grid-template-columns:1fr;gap:36px}.receipt{transform:none;padding:28px 20px 34px}.rc-stamp{top:84px;font-size:.7rem}}

/* Expert insight — portrait cards */
.ex-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:44px}
.ex-card{background:#fff;border:1px solid var(--border);border-radius:24px;overflow:hidden;display:grid;grid-template-columns:200px 1fr;box-shadow:var(--shadow-sm);transition:.25s}
.ex-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.ex-photo{position:relative;background:linear-gradient(135deg,var(--slate),var(--primary));min-height:100%}
.ex-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top}
.ex-ini{position:absolute;inset:0;display:grid;place-items:center;color:#fff;font-family:var(--font-head);font-weight:800;font-size:2.4rem}
.ex-photo::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--accent)}
.ex-body{padding:30px 30px 26px;display:flex;flex-direction:column}
.ex-mark{font-family:Georgia,serif;font-size:4.2rem;line-height:.6;color:var(--accent);height:30px}
.ex-body blockquote{margin:0 0 20px;color:var(--text);font-size:.98rem;line-height:1.7;flex:1}
.ex-who{border-top:1px solid var(--border);padding-top:14px}
.ex-name{font-family:var(--font-head);font-weight:700;color:var(--primary);font-size:1.05rem}
.ex-name:hover{color:var(--accent-dark)}
.ex-cred{font-size:.83rem;color:var(--muted);margin-top:2px}
.ex-foot{text-align:center;color:var(--muted);font-size:.88rem;margin-top:28px}
@media(max-width:1000px){.ex-grid{grid-template-columns:1fr;max-width:720px;margin-left:auto;margin-right:auto}}
@media(max-width:600px){.ex-card{grid-template-columns:1fr}.ex-photo{height:260px}}

/* Reviews — white cards, 6 themes */
.rw-scores{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:6px}
.rw-score{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--border);border-radius:999px;padding:10px 18px;color:var(--primary);box-shadow:var(--shadow-sm);font-size:.9rem}
.rw-score:hover{border-color:var(--accent);color:var(--primary)}
.rw-stars{color:var(--accent);letter-spacing:2px}
.rw-score b{font-family:var(--font-head)}
.rw-score small{color:var(--muted)}
.rw-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.rw-card{background:#fff;border:1px solid var(--border);border-radius:24px;padding:30px 30px 26px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);transition:.25s}
.rw-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.rw-label{font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:14px}
.rw-warn .rw-label{color:#B45309}
.rw-card h3{font-size:1.15rem;color:var(--primary);margin-bottom:10px}
.rw-card p{font-style:italic;color:var(--text);font-size:1rem;line-height:1.7;flex:1;margin-bottom:22px}
.rw-foot{display:flex;gap:14px;align-items:center;border-top:1px solid var(--border);padding-top:18px}
.rw-av{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--slate),var(--primary));display:grid;place-items:center;font-size:1.2rem;flex-shrink:0}
.rw-foot b{display:block;color:var(--primary);font-weight:600;font-size:.95rem}
.rw-foot small{color:var(--muted);font-size:.85rem}
.rw-note{text-align:center;color:var(--muted);font-size:.82rem;margin:28px 0 0}
@media(max-width:960px){.rw-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.rw-grid{grid-template-columns:1fr}}

/* Quick links (popular questions) */
.res-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:22px}
.res-head h2{font-size:clamp(1.4rem,2.4vw,1.8rem);margin:0}
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.res-link{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--border);border-radius:14px;padding:16px 18px;color:var(--primary);font-weight:600;transition:.2s}
.res-link span{width:36px;height:36px;border-radius:10px;background:var(--bg-soft);display:grid;place-items:center;flex-shrink:0}
.res-link em{margin-left:auto;font-style:normal;color:var(--accent-dark);transition:.2s}
.res-link:hover{border-color:var(--accent);color:var(--primary);box-shadow:var(--shadow-sm)}
.res-link:hover em{transform:translateX(3px)}
@media(max-width:820px){.res-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.res-grid{grid-template-columns:1fr}}

/* Who can use Payactiv (compact) */
.who-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.who-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:28px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm)}
.who-card.who-hl{border:2px solid var(--accent);box-shadow:0 15px 35px rgba(16,185,129,.15)}
.who-ico{width:46px;height:46px;border-radius:14px;background:var(--bg-soft);display:grid;place-items:center;font-size:1.2rem;margin-bottom:14px}
.who-hl .who-ico{background:var(--accent);color:#fff}
.who-card h3{font-size:1.15rem;margin-bottom:12px}
.who-card ul{list-style:none;margin:0 0 20px;padding:0;flex:1}
.who-card li{position:relative;padding:6px 0 6px 26px;font-size:.93rem;color:var(--text)}
.who-card li::before{content:"✓";position:absolute;left:0;top:6px;color:var(--accent);font-weight:800}
.who-card .btn{justify-content:center}
.who-foot{text-align:center;color:var(--muted);font-size:.9rem;margin-top:26px}
@media(max-width:860px){.who-grid{grid-template-columns:1fr;max-width:520px;margin-left:auto;margin-right:auto}}

/* Logo — mini card icon + wordmark */
.logo{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:var(--primary)}
.logo-card{width:44px;height:30px;border-radius:7px;background:linear-gradient(135deg,#2C4257,var(--primary-dark));position:relative;transform:rotate(-8deg);box-shadow:0 6px 14px rgba(26,43,60,.3);flex-shrink:0;transition:transform .25s}
.logo-card::before{content:"";position:absolute;left:6px;top:8px;width:10px;height:8px;border-radius:2px;background:linear-gradient(135deg,#D4C280,#A8924B)}
.logo-card::after{content:"";position:absolute;right:6px;bottom:6px;width:9px;height:9px;border-radius:50%;background:var(--accent);box-shadow:0 0 6px rgba(16,185,129,.6)}
.logo:hover .logo-card{transform:rotate(-2deg) translateY(-1px)}
.logo-word{font-family:var(--font-head);font-weight:800;font-size:1.55rem;letter-spacing:-.04em;line-height:1;color:inherit}
.logo-usa{font-weight:700;font-size:.62em;letter-spacing:0;margin-left:1px;color:var(--accent-dark)}
.logo-footer{color:#fff}
.logo-footer .logo-card{border:1px solid rgba(255,255,255,.2)}
.logo-footer .logo-usa{color:var(--accent)}
@media(max-width:720px){.logo-word{font-size:1.3rem}.logo-card{width:38px;height:26px}.logo-card::before{left:5px;top:7px;width:9px;height:7px}.logo-card::after{width:8px;height:8px;right:5px;bottom:5px}}

/* ===== Inner pages: dark centered hero with photo ===== */
.ihero{position:relative;overflow:hidden;background:linear-gradient(135deg,#1A2B3C,#0D1824);color:#fff;text-align:center;padding:72px 0 88px}
.ihero-bg{position:absolute;inset:-20px;background-size:cover;background-position:center;filter:blur(2px) saturate(.85);opacity:.38}
.ihero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,24,36,.55) 0%,rgba(13,24,36,.75) 70%,rgba(13,24,36,.95) 100%),radial-gradient(circle at 1px 1px,rgba(255,255,255,.07) 1px,transparent 0);background-size:auto,24px 24px;z-index:1}
.ihero-glow{position:absolute;inset:0;z-index:1;pointer-events:none;background:radial-gradient(circle at 15% 20%,rgba(16,185,129,.28),transparent 35%),radial-gradient(circle at 85% 80%,rgba(16,185,129,.18),transparent 35%)}
.ihero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:40px;background:var(--bg);clip-path:ellipse(70% 100% at 50% 100%);z-index:2}
.ihero-inner{position:relative;z-index:3;max-width:900px}
.ihero-crumbs{font-size:.82rem;color:rgba(255,255,255,.6);margin-bottom:20px}
.ihero-crumbs a{color:rgba(255,255,255,.75)}.ihero-crumbs a:hover{color:#fff}
.ihero-crumbs .sep{margin:0 8px;color:rgba(255,255,255,.35)}.ihero-crumbs .current{color:#fff;font-weight:600}
.ihero-chip{display:inline-flex;align-items:center;gap:8px;background:rgba(16,185,129,.15);border:1px solid rgba(16,185,129,.4);padding:6px 14px;border-radius:999px;font-size:.8rem;font-weight:600;margin-bottom:18px}
.ihero-chip span{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 8px rgba(16,185,129,.8)}
.ihero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.3rem);letter-spacing:-.03em;margin:0 auto 16px;max-width:880px}
.ihero-lead{color:rgba(255,255,255,.8);font-size:1.12rem;line-height:1.7;max-width:720px;margin:0 auto 24px}
.ihero-pills{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.ihero-pills span,.ihero-meta{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);padding:8px 14px;border-radius:999px;font-size:.82rem;color:rgba(255,255,255,.85)}
.ihero-meta{display:inline-block;margin-top:4px}.ihero-meta strong{color:#fff}

/* layout: left TOC rail + article */
.ilayout{padding-top:40px}
.lay3{display:grid;grid-template-columns:250px minmax(0,1fr);gap:56px}
.rail{position:sticky;top:20px;align-self:start;display:grid;gap:22px}
.toc{background:#fff;border:1px solid var(--border);border-radius:18px;padding:20px}
.toc b{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.toc ol{list-style:none;margin:10px 0 0;padding:0;counter-reset:t}
.toc li{counter-increment:t}
.toc a{display:flex;gap:10px;padding:8px 0;color:var(--primary);font-size:.88rem;font-weight:500;line-height:1.4;border-bottom:1px solid #F1F5F9}
.toc li:last-child a{border-bottom:0}
.toc a::before{content:counter(t,decimal-leading-zero);color:var(--accent-dark);font-weight:700;font-size:.78rem;flex-shrink:0;padding-top:1px}
.toc a:hover{color:var(--accent-dark)}
.side-apply{background:radial-gradient(ellipse at top right,#24394E,var(--primary) 60%,#0D1824);color:#fff;border-radius:20px;padding:24px}
.side-apply .sa-k{color:var(--accent);font-family:var(--font-head);font-weight:800;font-size:1.3rem}
.side-apply h3{color:#fff;font-size:1.02rem;margin:6px 0}
.side-apply p{color:rgba(255,255,255,.72);font-size:.86rem}
.side-apply .btn{width:100%;justify-content:center;padding:12px 16px;font-size:.92rem}
.side-apply small{display:block;margin-top:10px;color:rgba(255,255,255,.5);font-size:.7rem;line-height:1.4}
.article-body{max-width:800px}
.prose h2{font-size:1.6rem;margin:2.6rem 0 1rem;scroll-margin-top:20px;color:var(--primary)}
.prose h3{margin:1.8rem 0 .7rem}
.prose p,.prose li{font-size:1.03rem;line-height:1.8;color:var(--text)}
.prose ul{list-style:none;margin:0 0 1.4rem;padding:0}
.prose ul li{position:relative;padding:6px 0 6px 32px}
.prose ul li::before{content:"✓";position:absolute;left:0;top:10px;width:20px;height:20px;border-radius:50%;background:var(--accent-light);color:var(--accent-dark);font-size:.7rem;font-weight:800;display:grid;place-items:center}
.prose ol{counter-reset:s;list-style:none;margin:0 0 1.4rem;padding:0}
.prose ol li{counter-increment:s;position:relative;padding:8px 0 8px 46px}
.prose ol li::before{content:counter(s);position:absolute;left:0;top:9px;width:30px;height:30px;border-radius:10px;background:var(--primary);color:#fff;font-family:var(--font-head);font-weight:700;font-size:.85rem;display:grid;place-items:center}
.prose .faq ul li,.prose .toc li{padding-left:0}.prose .faq ul li::before{display:none}
.ifig{margin:6px 0 34px;border-radius:22px;overflow:hidden;box-shadow:var(--shadow);position:relative;aspect-ratio:21/10;background:linear-gradient(135deg,#D9F5E9,#F0F4F8)}
.ifig img{width:100%;height:100%;object-fit:cover;display:block}
.ifig::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(13,24,36,.25));pointer-events:none}
.inband{background:radial-gradient(ellipse at top right,#24394E,var(--primary) 60%,#0D1824);color:#fff;border-radius:20px;padding:24px 28px;margin:38px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.inband b{font-family:var(--font-head);font-size:1.12rem;color:#fff}
.inband span{color:rgba(255,255,255,.7);font-size:.88rem;display:block;margin-top:2px}
@media(max-width:980px){.lay3{grid-template-columns:1fr;gap:30px}.rail{position:static}.rail .side-apply{display:none}.ihero{padding:56px 0 70px}}

/* Error page (404/403/500) */
.err-hero{padding:90px 0 110px;min-height:62vh;display:grid;align-items:center}
.err-code{font-family:var(--font-head);font-weight:800;font-size:clamp(4rem,12vw,7rem);line-height:1;letter-spacing:-.05em;margin-bottom:14px;background:linear-gradient(135deg,#34D399,var(--accent));-webkit-background-clip:text;background-clip:text;color:transparent;position:relative;z-index:3}
.err-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:8px}
.err-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.err-ghost:hover{color:#fff;border-color:#fff}
.err-bar{width:220px;height:4px;border-radius:4px;background:rgba(255,255,255,.15);margin:28px auto 0;overflow:hidden}
.err-bar span{display:block;height:100%;background:var(--accent);animation:errbar 5s linear forwards}
@keyframes errbar{from{width:0}to{width:100%}}