/* Credit9 offerwall — light fintech */
:root {
  --bg: oklch(0.99 0.005 145);
  --bg-soft: oklch(0.97 0.008 145);
  --surface: #ffffff;
  --ink: oklch(0.18 0.015 240);
  --ink-2: oklch(0.32 0.012 240);
  --muted: oklch(0.50 0.012 240);
  --muted-2: oklch(0.65 0.01 240);
  --border: oklch(0.92 0.006 240);
  --border-strong: oklch(0.86 0.008 240);
  --green: oklch(0.62 0.16 150);
  --green-dark: oklch(0.52 0.17 150);
  --green-soft: oklch(0.96 0.04 150);
  --green-ink: oklch(0.32 0.10 150);
  --amber: oklch(0.74 0.14 70);
  --amber-soft: oklch(0.96 0.05 80);
  --amber-ink: oklch(0.42 0.12 60);
  --rose: oklch(0.65 0.16 25);
  --rose-soft: oklch(0.97 0.025 25);
  --shadow-sm: 0 1px 2px rgba(15,23,42,.04);
  --shadow: 0 1px 2px rgba(15,23,42,.04), 0 8px 24px rgba(15,23,42,.06);
  --shadow-lg: 0 1px 2px rgba(15,23,42,.05), 0 12px 32px rgba(15,23,42,.08);
  --r-sm: 10px;
  --r: 16px;
  --r-lg: 22px;
  --container: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { margin: 0; padding: 0; }
body {
  font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -webkit-tap-highlight-color: transparent;
}
img { display: block; max-width: 100%; }
button { font-family: inherit; cursor: pointer; border: 0; background: none; }
a { color: inherit; text-decoration: none; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 16px;
}
@media (min-width: 768px) { .container { padding: 0 24px; } }

/* ===== Header ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.85);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
  gap: 12px;
}
@media (min-width: 768px) { .header-row { height: 72px; } }

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 22px;
  letter-spacing: -0.025em;
  color: var(--ink);
  text-decoration: none;
}
.logo-mark {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: block;
  flex: none;
  box-shadow: 0 6px 16px oklch(0.62 0.16 150 / 0.28);
}
.logo-on-dark .logo-mark {
  box-shadow: 0 4px 12px rgba(0,0,0,0.35);
}
.logo-word { line-height: 1; }
.logo-nine { color: var(--green); }
@media (min-width: 768px) {
  .logo { font-size: 24px; }
  .logo-mark { width: 38px; height: 38px; }
}

.header-trust {
  display: none;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  background: var(--green-soft);
  color: var(--green-ink);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
}
@media (min-width: 768px) { .header-trust { display: inline-flex; } }
.header-trust svg { width: 14px; height: 14px; }

.lang {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--surface);
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-2);
}
.lang svg { width: 14px; height: 14px; }

/* ===== Page title (compact) ===== */
.pagetitle {
  padding: 18px 0 14px;
}
@media (min-width: 768px) { .pagetitle { padding: 28px 0 22px; } }
.pagetitle h1 {
  font-size: 22px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.025em;
  margin: 0;
  color: var(--ink);
  text-wrap: balance;
}
@media (min-width: 768px) {
  .pagetitle h1 { font-size: 32px; max-width: 820px; }
}
.pagetitle h1 em {
  font-style: normal;
  background: linear-gradient(120deg, var(--green) 0%, oklch(0.58 0.17 155) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* ===== Hero (legacy, retained for old eyebrow) ===== */
.hero { padding: 0; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--green-soft);
  color: var(--green-ink);
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 10px;
}
@media (min-width: 768px) { .hero-eyebrow { font-size: 13px; margin-bottom: 14px; } }
.hero-eyebrow .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 4px oklch(0.62 0.16 150 / 0.18);
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px oklch(0.62 0.16 150 / 0.18); }
  50% { box-shadow: 0 0 0 6px oklch(0.62 0.16 150 / 0.05); }
}
.hero h1 {
  font-size: 28px;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.025em;
  margin: 0 0 12px;
  color: var(--ink);
  text-wrap: balance;
}
@media (min-width: 768px) {
  .hero h1 { font-size: 44px; max-width: 820px; }
}
.hero h1 em {
  font-style: normal;
  background: linear-gradient(120deg, var(--green) 0%, oklch(0.58 0.17 155) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero-sub {
  font-size: 15px;
  color: var(--muted);
  max-width: 680px;
  margin: 0 0 16px;
  line-height: 1.55;
}
@media (min-width: 768px) { .hero-sub { font-size: 17px; } }

.hero-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 4px;
}
.chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 12px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-2);
}
.chip svg { width: 14px; height: 14px; color: var(--green); }

/* ===== Filter / sort bar ===== */
.filterbar {
  position: sticky;
  top: 60px;
  z-index: 40;
  background: rgba(252, 253, 252, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  padding: 10px 0;
  margin-top: 8px;
  border-bottom: 1px solid var(--border);
}
@media (min-width: 768px) {
  .filterbar { top: 72px; padding: 14px 0; }
}
.filterbar-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  overflow-x: auto;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
}
.filterbar-inner::-webkit-scrollbar { display: none; }
.fbtn {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 14px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--surface);
  color: var(--ink-2);
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
  transition: all 0.15s ease;
}
.fbtn:hover { border-color: var(--border-strong); }
.fbtn.active {
  background: var(--ink);
  color: white;
  border-color: var(--ink);
}
.fbtn .badge {
  display: inline-grid;
  place-items: center;
  min-width: 20px;
  height: 20px;
  padding: 0 6px;
  border-radius: 999px;
  background: var(--green-soft);
  color: var(--green-ink);
  font-size: 11px;
  font-weight: 700;
}
.fbtn.active .badge { background: rgba(255,255,255,0.18); color: white; }

/* ===== Offers ===== */
.offers {
  padding: 16px 0 24px;
  scroll-margin-top: 76px;
}
@media (min-width: 768px) { .offers { padding: 28px 0 40px; } }

.offers-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 12px;
  flex-wrap: nowrap;
}
.offers-head h2 {
  font-size: 17px;
  font-weight: 700;
  margin: 0;
  letter-spacing: -0.015em;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  flex: 1 1 auto;
  min-width: 0;
}
@media (min-width: 768px) {
  .offers-head h2 { font-size: 22px; }
  .offers-head { margin-bottom: 14px; }
}
.offers-head .sort {
  font-size: 12.5px;
  color: var(--muted);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
  flex: 0 0 auto;
}
.offers-head .sort strong { color: var(--ink); font-weight: 600; }

.offers-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}
@media (min-width: 720px) {
  .offers-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
}
@media (min-width: 1080px) {
  .offers-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
}

/* Card */
.card {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  box-shadow: var(--shadow-sm);
}
.card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: var(--border-strong);
}
.card.is-top {
  border-color: oklch(0.62 0.16 150 / 0.35);
  background: linear-gradient(180deg, oklch(0.99 0.018 150) 0%, var(--surface) 60%);
}

/* Density: dense */
body.dense .card { padding: 12px; gap: 10px; }
body.dense .card-stats { gap: 6px; }
body.dense .card-cta { height: 46px; font-size: 15px; }
body.dense .card-name { font-size: 16px; }
@media (min-width: 720px) {
  body.dense .offers-grid { grid-template-columns: repeat(3, 1fr); gap: 10px; }
}
@media (min-width: 1080px) {
  body.dense .offers-grid { grid-template-columns: repeat(4, 1fr); gap: 12px; }
}

.card-badge {
  position: absolute;
  top: -8px;
  left: 14px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.card-badge.top { background: var(--ink); color: white; }
.card-badge.zero { background: var(--green); color: white; box-shadow: 0 4px 10px oklch(0.62 0.16 150 / 0.35); }
.card-badge.fast { background: var(--amber-soft); color: var(--amber-ink); border: 1px solid oklch(0.74 0.14 70 / 0.3); }
.card-badge.svg { width: 11px; height: 11px; }

.card-head {
  display: flex;
  align-items: center;
  gap: 12px;
}
.card-logo {
  width: 72px;
  height: 54px;
  border-radius: 12px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  font-weight: 800;
  letter-spacing: -0.02em;
  font-size: 15px;
  flex-shrink: 0;
  overflow: hidden;
}
.card-logo-img { background: white; padding: 5px; }
.card-logo-img img {
  width: 100%; height: 100%;
  object-fit: contain;
  display: block;
}
.card-rules {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
  font-size: 11px;
  color: var(--muted);
  padding-top: 10px;
  border-top: 1px dashed var(--border);
}
.card-rules a {
  color: var(--muted);
  text-decoration: underline;
  text-decoration-color: var(--border-strong);
  text-underline-offset: 2px;
}
.card-rules a:hover { color: var(--ink); }
.card-rules .dot-sep { color: var(--border-strong); }
.offers-loading {
  grid-column: 1 / -1;
  text-align: center;
  padding: 40px;
  color: var(--muted);
  font-size: 14px;
}
.card-name-wrap {
  flex: 1;
  min-width: 0;
}
.card-name {
  font-size: 17px;
  font-weight: 700;
  line-height: 1.2;
  margin: 0 0 4px;
  color: var(--ink);
}
.stars {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 12px;
  color: var(--muted);
}
.stars-icons { display: inline-flex; gap: 1px; color: var(--amber); }
.stars-icons svg { width: 13px; height: 13px; }

.card-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.stat {
  background: var(--bg-soft);
  border-radius: var(--r-sm);
  padding: 10px 12px;
}
.stat-label {
  font-size: 11px;
  color: var(--muted);
  font-weight: 500;
  letter-spacing: 0.01em;
  margin-bottom: 2px;
}
.stat-val {
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.stat-val .accent { color: var(--green); }
.stat-val .small { font-size: 12px; font-weight: 600; color: var(--muted); }

.card-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 50px;
  border-radius: 12px;
  background: var(--green);
  color: white;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
  transition: background 0.15s ease, transform 0.1s ease;
  box-shadow: 0 4px 14px oklch(0.62 0.16 150 / 0.28);
  width: 100%;
}
.card-cta:hover { background: var(--green-dark); }
.card-cta:active { transform: scale(0.985); }
.card-cta svg { width: 18px; height: 18px; }

.card-foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  font-size: 12px;
  color: var(--muted);
}
.card-foot .approval {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.card-foot .approval-bar {
  position: relative;
  width: 56px;
  height: 4px;
  border-radius: 999px;
  background: var(--border);
  overflow: hidden;
}
.card-foot .approval-bar i {
  display: block;
  height: 100%;
  background: var(--green);
  border-radius: 999px;
}

/* ===== Trust strip ===== */
.trust {
  margin: 12px 0 28px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 18px;
  box-shadow: var(--shadow-sm);
}
@media (min-width: 768px) { .trust { padding: 28px; margin: 16px 0 56px; } }
.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (min-width: 768px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); gap: 24px; }
}
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.trust-icon {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--green-soft);
  color: var(--green-ink);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 20px; height: 20px; }
.trust-item h4 { font-size: 14px; margin: 0 0 2px; font-weight: 700; }
.trust-item p { font-size: 12px; margin: 0; color: var(--muted); line-height: 1.4; }

/* ===== How it works ===== */
.section { padding: 24px 0; }
@media (min-width: 768px) { .section { padding: 48px 0; } }
.section h2 {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 20px;
  text-wrap: balance;
}
@media (min-width: 768px) { .section h2 { font-size: 34px; margin: 0 0 32px; } }

.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
.step {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 22px;
  position: relative;
}
.step-num {
  font-size: 13px;
  font-weight: 700;
  color: var(--green);
  letter-spacing: 0.06em;
  margin-bottom: 10px;
}
.step h3 { font-size: 18px; margin: 0 0 6px; font-weight: 700; }
.step p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.55; }
.step-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--green-soft);
  color: var(--green-ink);
  display: grid;
  place-items: center;
  margin-bottom: 14px;
}
.step-icon svg { width: 22px; height: 22px; }

/* ===== Example calc / RRP ===== */
.rrp {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 20px;
}
@media (min-width: 768px) { .rrp { padding: 32px; } }
.rrp h3 {
  font-size: 16px;
  font-weight: 700;
  margin: 0 0 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.rrp h3 svg { width: 18px; height: 18px; color: var(--green); }
.rrp-table {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--border);
  border-radius: var(--r-sm);
  overflow: hidden;
  border: 1px solid var(--border);
}
@media (min-width: 768px) { .rrp-table { grid-template-columns: repeat(4, 1fr); } }
.rrp-cell {
  background: var(--surface);
  padding: 14px 16px;
}
.rrp-cell .l { font-size: 12px; color: var(--muted); margin-bottom: 4px; }
.rrp-cell .v { font-size: 16px; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; }
.rrp-note {
  margin-top: 14px;
  font-size: 12px;
  color: var(--muted);
  line-height: 1.55;
}

/* ===== FAQ ===== */
.faq {
  display: grid;
  grid-template-columns: 1fr;
  gap: 8px;
  max-width: 880px;
  margin: 0 auto;
}
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 20px;
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
}
@media (min-width: 768px) { .faq-q { font-size: 16px; padding: 20px 24px; } }
.faq-q svg {
  width: 18px;
  height: 18px;
  color: var(--muted);
  transition: transform 0.25s ease;
  flex-shrink: 0;
}
.faq-item[open] .faq-q svg { transform: rotate(180deg); }
.faq-a {
  padding: 0 20px 18px;
  font-size: 14px;
  line-height: 1.6;
  color: var(--ink-2);
}
@media (min-width: 768px) { .faq-a { padding: 0 24px 22px; font-size: 15px; } }

/* ===== Audience ===== */
.audience {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
@media (min-width: 768px) {
  .audience { grid-template-columns: repeat(4, 1fr); gap: 16px; }
}
.audience-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.audience-item .ai {
  width: 36px; height: 36px; border-radius: 10px;
  background: var(--green-soft); color: var(--green-ink);
  display: grid; place-items: center;
}
.audience-item .ai svg { width: 18px; height: 18px; }
.audience-item h4 { font-size: 14px; font-weight: 700; margin: 0; }
.audience-item p { font-size: 12px; color: var(--muted); margin: 0; line-height: 1.45; }

/* ===== Disclaimer banner ===== */
.disclaimer {
  background: oklch(0.98 0.01 70);
  border: 1px solid oklch(0.86 0.05 80);
  border-radius: var(--r);
  padding: 14px 16px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  line-height: 1.55;
  color: oklch(0.32 0.06 60);
}
.disclaimer svg {
  width: 18px; height: 18px; color: oklch(0.55 0.12 70);
  flex-shrink: 0; margin-top: 1px;
}

/* ===== Footer ===== */
.footer {
  background: oklch(0.16 0.012 240);
  color: oklch(0.78 0.01 240);
  padding: 36px 0 24px;
  margin-top: 32px;
  font-size: 13px;
  line-height: 1.6;
}
@media (min-width: 768px) { .footer { padding: 56px 0 32px; margin-top: 56px; } }
.footer a:hover { color: white; }
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-bottom: 28px;
}
@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
}
.footer h5 {
  font-size: 12px;
  font-weight: 700;
  color: white;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 12px;
}
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer .logo { color: white; margin-bottom: 12px; }
.footer-disclaimer {
  font-size: 12px;
  color: oklch(0.62 0.01 240);
  line-height: 1.6;
}
.footer-bottom {
  border-top: 1px solid oklch(0.26 0.012 240);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12px;
  color: oklch(0.62 0.01 240);
}

/* ===== Modal ===== */
.modal-back {
  position: fixed; inset: 0;
  background: rgba(15,23,42,0.5);
  backdrop-filter: blur(4px);
  display: none;
  align-items: flex-end;
  justify-content: center;
  z-index: 100;
  animation: fade .2s ease;
}
.modal-back.open { display: flex; }
@media (min-width: 768px) { .modal-back { align-items: center; } }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }

.modal {
  background: var(--surface);
  border-top-left-radius: 20px;
  border-top-right-radius: 20px;
  padding: 24px 20px 28px;
  width: 100%;
  max-width: 480px;
  animation: slideUp .25s cubic-bezier(.2,.8,.2,1);
}
@media (min-width: 768px) { .modal { border-radius: 22px; padding: 28px; } }
@keyframes slideUp { from { transform: translateY(40px); opacity: .8; } to { transform: translateY(0); opacity: 1; } }
.modal-icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: var(--green-soft); color: var(--green-ink);
  display: grid; place-items: center; margin: 0 auto 14px;
}
.modal-icon svg { width: 28px; height: 28px; }
.modal h3 { text-align: center; font-size: 20px; margin: 0 0 6px; font-weight: 800; }
.modal p { text-align: center; font-size: 14px; color: var(--muted); margin: 0 0 18px; }
.modal-actions {
  display: flex; gap: 10px; flex-direction: column;
}
.btn-primary {
  height: 50px; border-radius: 12px;
  background: var(--green); color: white;
  font-weight: 700; font-size: 15px;
  display: grid; place-items: center;
}
.btn-secondary {
  height: 46px; border-radius: 12px;
  background: var(--bg-soft); color: var(--ink-2);
  font-weight: 600; font-size: 14px;
  display: grid; place-items: center;
}

/* ===== Pagetitle subtitle + APR strip ===== */
.pagetitle-sub {
  margin-top: 10px;
  font-size: 14px;
  line-height: 1.55;
  color: var(--muted);
  max-width: 720px;
}
@media (min-width: 768px) {
  .pagetitle-sub { font-size: 15px; max-width: 820px; }
}
.apr-strip {
  margin-top: 14px;
  padding: 10px 14px;
  border-radius: 12px;
  background: oklch(0.97 0.02 145);
  border: 1px solid oklch(0.9 0.05 145);
  color: oklch(0.32 0.08 155);
  font-size: 12.5px;
  line-height: 1.5;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 4px 10px;
}
.apr-strip strong { color: oklch(0.28 0.1 155); font-weight: 700; }
.apr-strip span { color: var(--muted); font-weight: 500; }
@media (min-width: 768px) {
  .apr-strip { font-size: 13.5px; padding: 12px 16px; }
}

/* ===== Compliance strip (above offers) ===== */
.compliance-strip {
  margin-top: 8px;
  margin-bottom: 16px;
  padding: 12px 14px;
  border-radius: 12px;
  background: white;
  border: 1px solid var(--border);
  display: flex;
  align-items: flex-start;
  gap: 10px;
  box-shadow: 0 1px 2px rgba(15, 23, 42, 0.04);
}
.compliance-strip svg {
  flex-shrink: 0;
  width: 18px; height: 18px;
  color: var(--green);
  margin-top: 1px;
}
.compliance-strip p {
  margin: 0;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--ink-2);
}
@media (min-width: 768px) {
  .compliance-strip { padding: 14px 18px; }
  .compliance-strip svg { width: 20px; height: 20px; }
  .compliance-strip p { font-size: 13.5px; }
}

/* ===== Licences ===== */
.licences-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 28px;
}
.licences-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 11px;
  background: oklch(0.97 0.02 145);
  color: oklch(0.32 0.08 155);
  border-radius: 999px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.licences-eyebrow svg { width: 13px; height: 13px; }
.licences-head h2 {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
}
@media (min-width: 768px) {
  .licences-head h2 { font-size: 32px; }
}
.licences-head p {
  margin: 0;
  font-size: 14px;
  line-height: 1.55;
  color: var(--muted);
}
.licences-head a { color: var(--green); font-weight: 600; }
.licences-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
@media (min-width: 600px) {
  .licences-grid { grid-template-columns: repeat(3, 1fr); gap: 12px; }
}
@media (min-width: 980px) {
  .licences-grid { grid-template-columns: repeat(4, 1fr); }
}
.lic-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 14px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  transition: border-color .15s, transform .15s;
}
.lic-card:hover {
  border-color: oklch(0.85 0.06 145);
  transform: translateY(-1px);
}
.lic-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
}
.lic-meta {
  font-size: 11.5px;
  color: var(--muted);
  line-height: 1.4;
}
.lic-num {
  margin-top: 6px;
  padding-top: 8px;
  border-top: 1px dashed var(--border);
  font-size: 11px;
  font-weight: 600;
  color: oklch(0.32 0.08 155);
  font-variant-numeric: tabular-nums;
}

/* ===== Footer legal ===== */
.footer-legal {
  margin-top: 28px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-legal p {
  margin: 0;
  font-size: 12px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.55);
}
.footer-legal strong {
  color: rgba(255, 255, 255, 0.8);
  font-weight: 700;
}

/* ===== Top-3 MFO popup ===== */
.top3-back {
  position: fixed;
  inset: 0;
  z-index: 180;
  background: rgba(15, 23, 42, 0.55);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: grid;
  place-items: end center;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s;
  padding: 0;
}
@media (min-width: 768px) {
  .top3-back { place-items: center; padding: 24px; }
}
.top3-back.open {
  opacity: 1;
  pointer-events: auto;
}
.top3-card {
  position: relative;
  width: 100%;
  max-width: 520px;
  background: white;
  border-radius: 24px 24px 0 0;
  padding: 18px 16px 16px;
  box-shadow: 0 -20px 60px rgba(15, 23, 42, 0.25);
  transform: translateY(40px);
  transition: transform .4s cubic-bezier(.4,0,.2,1);
  max-height: 88vh;
  overflow-y: auto;
}
.top3-back.open .top3-card { transform: translateY(0); }
@media (min-width: 768px) {
  .top3-card {
    border-radius: 24px;
    padding: 28px 26px 24px;
    max-height: 90vh;
  }
}
.top3-close {
  position: absolute;
  top: 12px;
  right: 14px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 0;
  background: var(--bg-soft);
  color: var(--ink-2);
  font-size: 22px;
  line-height: 1;
  cursor: pointer;
  display: grid;
  place-items: center;
  z-index: 2;
}
.top3-close:hover { background: oklch(0.94 0.01 145); color: var(--ink); }
.top3-head {
  text-align: center;
  margin-bottom: 14px;
}
.top3-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  background: oklch(0.97 0.04 80);
  color: oklch(0.42 0.14 80);
  border-radius: 999px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.top3-eyebrow svg { width: 12px; height: 12px; }
.top3-head h3 {
  font-size: 15.5px;
  font-weight: 800;
  letter-spacing: -0.01em;
  margin: 0 0 4px;
  color: var(--ink);
  text-wrap: balance;
  line-height: 1.25;
}
@media (min-width: 768px) {
  .top3-head h3 { font-size: 22px; }
  .top3-head { margin-bottom: 18px; }
  .top3-eyebrow { padding: 5px 11px; font-size: 11px; margin-bottom: 10px; }
  .top3-podium { gap: 8px; margin-bottom: 18px; }
  .podium-medal { font-size: 22px; }
  .podium-1 .podium-medal { font-size: 30px; }
  .podium-logo { width: 44px; height: 44px; }
  .podium-1 .podium-logo { width: 56px; height: 56px; }
  .podium-name { font-size: 11.5px; }
  .podium-1 .podium-name { font-size: 13px; }
  .podium-issued strong { font-size: 16px; }
  .podium-1 .podium-issued strong { font-size: 20px; }
  .podium-pillar { font-size: 18px; border-radius: 10px 10px 0 0; }
  .podium-1 .podium-pillar { height: 64px; }
  .podium-2 .podium-pillar { height: 48px; }
  .podium-3 .podium-pillar { height: 38px; }
  .podium-num { font-size: 16px; }
  .top3-card { padding: 28px 26px 24px; }
}
.top3-head p {
  margin: 0;
  font-size: 11.5px;
  color: var(--muted);
}
/* Podium */
.top3-podium {
  display: grid;
  grid-template-columns: 1fr 1.15fr 1fr;
  align-items: end;
  gap: 6px;
  margin-bottom: 14px;
  padding: 0 2px;
}
.podium-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 3px;
}
.podium-medal {
  font-size: 18px;
  line-height: 1;
}
.podium-1 .podium-medal { font-size: 24px; }
.podium-logo {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  overflow: hidden;
  padding: 3px;
}
.podium-1 .podium-logo {
  width: 48px;
  height: 48px;
  border: 2px solid oklch(0.78 0.16 80);
  box-shadow: 0 4px 14px oklch(0.78 0.16 80 / .3);
}
.podium-logo img {
  width: 100%; height: 100%;
  object-fit: contain;
}
.podium-name {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.2;
}
.podium-1 .podium-name { font-size: 12px; }
.podium-issued {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}
.podium-issued strong {
  font-size: 13px;
  font-weight: 800;
  color: var(--green);
  font-variant-numeric: tabular-nums;
}
.podium-1 .podium-issued strong { font-size: 16px; }
.podium-issued span {
  font-size: 9px;
  font-weight: 500;
  color: var(--muted);
  margin-top: 1px;
  letter-spacing: 0.02em;
}
.podium-pillar {
  width: 100%;
  margin-top: 4px;
  border-radius: 8px 8px 0 0;
  display: grid;
  place-items: center;
  color: white;
  font-weight: 800;
  font-size: 14px;
}
.podium-1 .podium-pillar {
  height: 44px;
  background: linear-gradient(180deg, oklch(0.82 0.16 80) 0%, oklch(0.7 0.16 80) 100%);
}
.podium-2 .podium-pillar {
  height: 32px;
  background: linear-gradient(180deg, oklch(0.85 0.02 250) 0%, oklch(0.72 0.02 250) 100%);
}
.podium-3 .podium-pillar {
  height: 24px;
  background: linear-gradient(180deg, oklch(0.78 0.08 50) 0%, oklch(0.62 0.08 50) 100%);
}
.podium-num {
  font-size: 13px;
  text-shadow: 0 1px 2px rgba(0,0,0,0.15);
}
/* List rows */
.top3-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.top3-row {
  display: grid;
  grid-template-columns: auto 36px 1fr auto;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s, transform .15s, box-shadow .15s;
}
.top3-row:hover {
  border-color: oklch(0.85 0.06 145);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06);
}
.top3-row-rank {
  font-size: 13px;
  font-weight: 800;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
  min-width: 24px;
}
.top3-row:nth-child(1) .top3-row-rank { color: oklch(0.6 0.16 80); }
.top3-row-logo {
  width: 48px; height: 38px;
  border-radius: 10px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  overflow: hidden;
  padding: 3px;
}
.top3-row-logo img { width: 100%; height: 100%; object-fit: contain; }
.top3-row-info { min-width: 0; }
.top3-row-name {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.top3-row-stats {
  font-size: 11.5px;
  color: var(--muted);
  margin-top: 2px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.top3-row-stats b {
  color: var(--ink-2);
  font-weight: 700;
}
.top3-row-stats .dot-sep { color: var(--border); }
.top3-row-cta {
  height: 36px;
  padding: 0 12px;
  border-radius: 10px;
  background: var(--green);
  color: white;
  font-size: 12.5px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
}
.top3-row-cta svg { width: 13px; height: 13px; }
.top3-row:hover .top3-row-cta { background: oklch(0.55 0.18 155); }

/* ===== Social-proof toast ===== */
.sp-toast {
  position: fixed;
  left: 12px;
  bottom: 12px;
  z-index: 150;
  width: calc(100vw - 24px);
  max-width: 380px;
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 12px 14px;
  box-shadow: 0 14px 40px rgba(15, 23, 42, 0.16), 0 4px 12px rgba(15, 23, 42, 0.06);
  display: grid;
  grid-template-columns: 40px 1fr auto;
  align-items: center;
  gap: 12px;
  transform: translateY(140%);
  opacity: 0;
  transition: transform .45s cubic-bezier(.4,0,.2,1), opacity .35s;
  pointer-events: none;
}
.sp-toast.show {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.sp-logo {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--bg-soft);
  display: grid;
  place-items: center;
  overflow: hidden;
  flex-shrink: 0;
  border: 1px solid var(--border);
}
.sp-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 4px;
}
.sp-body {
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.sp-text {
  margin: 0;
  font-size: 12.5px;
  line-height: 1.4;
  color: var(--ink-2);
}
.sp-text strong { color: var(--ink); font-weight: 700; }
.sp-meta {
  font-size: 10.5px;
  font-weight: 500;
  color: var(--muted);
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.sp-meta::before {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 0 oklch(0.65 0.2 155 / 0.7);
  animation: sp-pulse 1.6s infinite;
}
@keyframes sp-pulse {
  0%   { box-shadow: 0 0 0 0 oklch(0.65 0.2 155 / 0.55); }
  70%  { box-shadow: 0 0 0 6px oklch(0.65 0.2 155 / 0); }
  100% { box-shadow: 0 0 0 0 oklch(0.65 0.2 155 / 0); }
}
.sp-cta {
  height: 36px;
  padding: 0 12px;
  border-radius: 10px;
  border: 0;
  background: var(--green);
  color: white;
  font-weight: 700;
  font-size: 12.5px;
  cursor: pointer;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background .15s;
}
.sp-cta:hover { background: oklch(0.55 0.18 155); }
.sp-close {
  position: absolute;
  top: 6px;
  right: 8px;
  width: 22px;
  height: 22px;
  border: 0;
  background: transparent;
  color: var(--muted);
  font-size: 18px;
  line-height: 1;
  cursor: pointer;
  border-radius: 6px;
  display: grid;
  place-items: center;
}
.sp-close:hover { background: var(--bg-soft); color: var(--ink); }
@media (min-width: 768px) {
  .sp-toast {
    left: 20px;
    bottom: 20px;
    max-width: 420px;
    padding: 14px 16px;
  }
  .sp-text { font-size: 13.5px; }
  .sp-meta { font-size: 11px; }
}

/* ===== Card watching meter ===== */
.card-watching {
  position: absolute;
  top: 14px;
  right: 14px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11.5px;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: 0.005em;
  pointer-events: none;
  font-variant-numeric: tabular-nums;
  z-index: 1;
}
.card-watching svg { width: 14px; height: 14px; opacity: 0.85; }
.card-watching b { color: var(--ink-2); font-weight: 700; }

/* ===== Hero calculator ===== */
.calc {
  margin-top: 18px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 16px;
  display: grid;
  gap: 14px;
  box-shadow: 0 8px 24px oklch(0.62 0.16 150 / 0.06), 0 1px 0 rgba(255,255,255,0.6) inset;
}
@media (min-width: 768px) {
  .calc { padding: 20px 22px; gap: 18px; max-width: 720px; }
}
.calc-row { display: grid; gap: 10px; }
.calc-label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  letter-spacing: 0.01em;
}
.calc-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}
@media (min-width: 768px) { .calc-value { font-size: 26px; } }

.calc-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(to right, var(--green) var(--p, 20%), var(--border) var(--p, 20%));
  outline: none;
  cursor: pointer;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--green);
  box-shadow: 0 4px 12px oklch(0.62 0.16 150 / 0.35);
  cursor: grab;
  transition: transform .15s;
}
.calc-range::-webkit-slider-thumb:active { transform: scale(1.1); cursor: grabbing; }
.calc-range::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--green);
  box-shadow: 0 4px 12px oklch(0.62 0.16 150 / 0.35);
  cursor: grab;
}

.calc-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.calc-chips button {
  height: 32px;
  padding: 0 12px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--surface);
  color: var(--ink-2);
  font: inherit;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all .15s ease;
  font-variant-numeric: tabular-nums;
}
.calc-chips button:hover { border-color: var(--border-strong); }
.calc-chips button.on {
  background: var(--green-soft);
  border-color: oklch(0.62 0.16 150 / 0.35);
  color: var(--green-ink);
}

.calc-cta {
  height: 52px;
  border-radius: 14px;
  background: var(--green);
  color: white;
  font-weight: 700;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  letter-spacing: -0.01em;
  box-shadow: 0 8px 18px oklch(0.62 0.16 150 / 0.32);
  transition: transform .15s, background .15s;
}
.calc-cta:hover { background: var(--green-dark); }
.calc-cta:active { transform: scale(0.99); }
.calc-cta svg { width: 18px; height: 18px; }

/* ===== SEO long-form ===== */
.seo {
  background: var(--bg-soft);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.seo-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}
@media (min-width: 900px) {
  .seo-grid { grid-template-columns: 1.4fr 1fr; gap: 40px; }
}
.seo-col h2 {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 14px;
  color: var(--ink);
}
.seo-col h3 {
  font-size: 17px;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin: 22px 0 10px;
  color: var(--ink);
}
.seo-col p {
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--ink-2);
  margin: 0 0 12px;
}
.seo-col strong { color: var(--ink); font-weight: 700; }
.seo-list {
  margin: 0 0 12px;
  padding: 0 0 0 1.1em;
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--ink-2);
}
.seo-list li { margin-bottom: 4px; }
.seo-list li::marker { color: var(--green); }
.seo-dl {
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.seo-dl dt {
  font-weight: 700;
  font-size: 14.5px;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.seo-dl dd {
  margin: 4px 0 0;
  font-size: 14px;
  line-height: 1.55;
  color: var(--muted);
}
@media (min-width: 768px) {
  .seo-col h2 { font-size: 26px; }
  .seo-col h3 { font-size: 19px; }
}

/* ===== Subtle ₴ pattern animation on green CTAs ===== */
.card-cta,
.calc-cta {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.card-cta::before,
.calc-cta::before {
  content: "";
  position: absolute;
  inset: -20%;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'><text x='10' y='42' font-family='system-ui, sans-serif' font-size='34' font-weight='800' fill='white' fill-opacity='0.10'>₴</text><text x='52' y='72' font-family='system-ui, sans-serif' font-size='22' font-weight='800' fill='white' fill-opacity='0.08'>₴</text></svg>");
  background-size: 80px 80px;
  background-repeat: repeat;
  z-index: -1;
  animation: ctaHryvniaDrift 60s linear infinite;
  pointer-events: none;
}
@keyframes ctaHryvniaDrift {
  from { background-position: 0 0; }
  to   { background-position: 160px -80px; }
}
@media (prefers-reduced-motion: reduce) {
  .card-cta::before, .calc-cta::before { animation: none; }
}

/* ===== Legal pages ===== */
.legal-main { background: var(--bg); padding: 32px 0 72px; }
.legal-hero { padding: 30px 0 18px; }
.legal-hero h1 {
  margin: 0 0 10px;
  font-size: clamp(30px, 5vw, 54px);
  line-height: 1.05;
  letter-spacing: 0;
}
.legal-hero p {
  max-width: 820px;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.65;
}
.legal-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 280px;
  gap: 28px;
  align-items: start;
}
.legal-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.legal-card h2 { margin: 28px 0 10px; font-size: 24px; }
.legal-card h2:first-child { margin-top: 0; }
.legal-card h3 { margin: 20px 0 8px; font-size: 18px; }
.legal-card p,
.legal-card li { color: var(--text); line-height: 1.72; }
.legal-card p { margin: 0 0 12px; }
.legal-card ul,
.legal-card ol { margin: 8px 0 18px; padding-left: 22px; }
.legal-note {
  border-left: 4px solid var(--green);
  background: var(--green-soft);
  padding: 14px 16px;
  border-radius: 6px;
  margin: 18px 0;
}
.legal-table {
  width: 100%;
  border-collapse: collapse;
  margin: 14px 0 22px;
  overflow: hidden;
  border-radius: 8px;
}
.legal-table th,
.legal-table td {
  border: 1px solid var(--border);
  padding: 12px;
  text-align: left;
  vertical-align: top;
}
.legal-table th { background: var(--bg-soft); }
.legal-side {
  position: sticky;
  top: 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 18px;
}
.legal-side h3 { margin: 0 0 10px; font-size: 16px; }
.legal-side a {
  display: block;
  padding: 8px 0;
  color: var(--text);
  text-decoration: none;
  border-bottom: 1px solid var(--border);
}
.legal-side a:last-child { border-bottom: 0; }
.legal-side a:hover { color: var(--green); }
.legal-meta { color: var(--muted); font-size: 14px; }
@media (max-width: 860px) {
  .legal-layout { grid-template-columns: 1fr; }
  .legal-side { position: static; order: -1; }
  .legal-card { padding: 22px; }
}