:root {
  --paper: #FAF8F3;
  --white: #FFFFFF;
  --ink: #13203B;
  --ink-2: #3A4660;
  --ink-3: #5A6680;
  --line: #E8E3D9;
  --field: #E2DDD2;
  --green: #095535;
  --green-tint: #E3F4EA;
  --green-soft: #CFE3D7;
  --money: #12A660;
  --blue: #2E6BE6;
  --blue-tint: #E3ECFC;
  --marigold: #F6C23E;
  --marigold-tint: #FDF1D2;
  --coral: #FF6B3D;
  --coral-tint: #FFE6DC;
  --error: #9A3B12;
  --display: 'Schibsted Grotesk', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --body: 'Hanken Grotesk', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body);
  font-size: 18px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img { max-width: 100%; display: block; }
a { color: var(--green); }
a:hover { color: var(--ink); }
button, input, select { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }
[hidden] { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 50;
  background: var(--green); color: var(--white); padding: 10px 16px; border-radius: 10px;
}
.skip-link:focus { top: 12px; color: var(--white); }

.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.eyebrow { font-size: 15px; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; color: var(--green); margin: 0; }
h1, h2, h3 { font-family: var(--display); font-weight: 800; margin: 0; }
h2 { font-size: clamp(32px, 4vw, 44px); line-height: 1.1; letter-spacing: -0.02em; }
.lede { margin: 0; color: var(--ink-2); }
.stack { display: flex; flex-direction: column; gap: 12px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 52px; padding: 14px 24px; border: 0; border-radius: 12px;
  font-weight: 600; text-decoration: none; cursor: pointer;
}
.btn-green { background: var(--green); color: var(--white); }
.btn-green:hover { background: #07452B; color: var(--white); }
.btn-marigold { background: var(--marigold); color: var(--ink); }
.btn-marigold:hover { background: #E8B42E; color: var(--ink); }

/* Logo mark */
.mark { position: relative; width: 40px; height: 40px; flex: none; }
.mark span { position: absolute; }
.mark .k-tri { left: 0; top: 0; width: 18.12px; height: 18.12px; background: var(--blue); clip-path: polygon(50% 6%, 100% 94%, 0 94%); }
.mark .k-coin { left: 21.88px; top: 0; width: 18.12px; height: 18.12px; background: var(--marigold); border-radius: 50%; }
.mark .k-pv { left: 6.52px; top: 21.88px; width: 5.08px; height: 18.12px; background: var(--money); border-radius: 1.09px; }
.mark .k-ph { left: 0; top: 28.4px; width: 18.12px; height: 5.08px; background: var(--money); border-radius: 1.09px; }
.mark .k-brick { left: 21.88px; top: 21.88px; width: 18.12px; height: 18.12px; background: var(--coral); border-radius: 2.54px; }
.mark-dark .k-tri { background: #5B8DF0; }
.mark-dark .k-pv, .mark-dark .k-ph { background: #5FD39A; }
.wordmark { font-family: var(--display); font-weight: 800; font-size: 20px; letter-spacing: -0.02em; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 20; background: var(--paper);
  border-bottom: 1px solid var(--line);
  padding-top: env(safe-area-inset-top, 0px);
}
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 14px; padding-bottom: 14px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand:hover { color: var(--ink); }
.main-nav { display: flex; align-items: center; gap: 24px; font-size: 16px; font-weight: 600; }
.main-nav a.nav-link { color: var(--ink); text-decoration: none; }
.main-nav a.nav-link:hover { color: var(--green); }
.nav-cta { min-height: 44px; padding: 12px 20px; border-radius: 10px; }
.menu-btn {
  display: none; align-items: center; justify-content: center;
  width: 48px; height: 48px; padding: 0; border: 0; border-radius: 10px;
  background: var(--white); box-shadow: inset 0 0 0 1px var(--field); cursor: pointer;
}
.mobile-menu { display: none; flex-direction: column; border-top: 1px solid var(--line); padding: 8px 20px 20px; background: var(--paper); }
.mobile-menu a { color: var(--ink); text-decoration: none; font-weight: 600; padding: 14px 0; border-bottom: 1px solid var(--line); }
.mobile-menu a.btn { margin-top: 12px; border-bottom: 0; color: var(--white); }

/* Hero */
.hero { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 440px), 1fr)); gap: 56px; align-items: center; padding-top: 72px; padding-bottom: 80px; }
.hero-copy { display: flex; flex-direction: column; gap: 24px; }
.hero h1 { font-size: clamp(40px, 5.4vw, 64px); line-height: 1.04; letter-spacing: -0.03em; color: var(--green); }
.hero-lede { margin: 0; font-size: 26px; color: var(--ink-2); max-width: 560px; }
.hero-form { display: flex; flex-direction: column; gap: 8px; max-width: 560px; }
.hero-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.hero-form-row input { min-width: 0; min-height: 56px; }
.hero-form-row .btn { min-height: 56px; flex: 1 1 100%; }
.small-note { margin: 0; font-size: 14px; color: var(--ink-3); }
.status-box { background: var(--green-tint); border-radius: 14px; padding: 18px 20px; display: flex; flex-direction: column; gap: 6px; max-width: 560px; }
.status-box strong { color: var(--green); }
.hero-media { position: relative; display: flex; flex-direction: column; }
.deco { position: absolute; }
.deco-tri { right: -18px; top: -26px; width: 84px; height: 84px; background: var(--blue); clip-path: polygon(50% 6%, 100% 94%, 0 94%); }
.deco-sq { right: -14px; bottom: 40px; width: 64px; height: 64px; background: var(--coral); border-radius: 9px; }
.deco-coin { left: -22px; top: 36px; width: 52px; height: 52px; background: var(--marigold); border-radius: 50%; }
.photo { position: relative; border-radius: 24px; overflow: hidden; aspect-ratio: 4 / 3; background: var(--marigold-tint); }
.photo img { width: 100%; height: 100%; object-fit: cover; }
.stat-card {
  position: relative; z-index: 2; align-self: flex-start; margin: -72px 0 0 24px;
  background: var(--green); color: var(--white); border-radius: 18px; padding: 20px 24px; max-width: 300px;
}
.stat-card .big { font-family: var(--display); font-weight: 800; font-size: 56px; line-height: 1; color: var(--marigold); letter-spacing: -0.03em; }
.stat-card p { margin: 2px 0 0; font-size: 16px; }

/* Inputs */
.field { display: flex; flex-direction: column; gap: 6px; }
.field label, .legend { font-weight: 600; font-size: 16px; }
.input {
  width: 100%; border: 2px solid var(--field); border-radius: 12px; padding: 12px 14px;
  min-height: 52px; background: var(--white); color: var(--ink);
}
.input:focus { border-color: var(--green); outline: none; box-shadow: 0 0 0 3px rgba(9,85,53,0.15); }
.money-input { display: flex; align-items: center; gap: 8px; border: 2px solid var(--field); border-radius: 12px; padding: 0 14px; min-height: 52px; background: var(--white); }
.money-input:focus-within { border-color: var(--green); box-shadow: 0 0 0 3px rgba(9,85,53,0.15); }
.money-input span { color: var(--ink-3); }
.money-input input { border: 0; outline: none; font-size: 20px; width: 100%; background: transparent; }
.error { margin: 0; font-size: 15px; color: var(--error); }
.pill {
  border: 0; border-radius: 10px; padding: 10px 18px; min-height: 44px; font-size: 16px; font-weight: 600; cursor: pointer;
  background: var(--white); color: var(--ink); box-shadow: inset 0 0 0 1px var(--field);
}
.pill[aria-pressed="true"] { background: var(--green); color: var(--white); box-shadow: none; }
.pill-row { display: flex; gap: 8px; flex-wrap: wrap; }
fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
legend { padding: 0; margin-bottom: 10px; }
.link-btn { background: transparent; border: 0; padding: 10px 0; min-height: 44px; font-size: 15px; font-weight: 600; text-decoration: underline; cursor: pointer; }

/* How it works */
.how { background: var(--green); color: var(--white); }
.how .eyebrow { color: var(--marigold); }
.how-inner { display: flex; flex-direction: column; gap: 48px; }
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr)); gap: 24px; color: var(--ink); }
.step { border-radius: 18px; padding: 32px; display: flex; flex-direction: column; gap: 16px; }
.step-1 { background: var(--marigold-tint); }
.step-2 { background: var(--green-tint); }
.step-3 { background: var(--coral-tint); }
.step .label { font-size: 15px; font-weight: 600; color: var(--ink-3); }
.step h3 { font-size: 26px; line-height: 1.15; }
.step p { margin: 0; color: var(--ink-2); }
.icon-coin { width: 48px; height: 48px; background: var(--marigold); border-radius: 50%; }
.icon-plus { position: relative; width: 48px; height: 48px; }
.icon-plus::before, .icon-plus::after { content: ""; position: absolute; background: var(--money); border-radius: 2.88px; }
.icon-plus::before { left: 17.28px; top: 0; width: 13.44px; height: 48px; }
.icon-plus::after { left: 0; top: 17.28px; width: 48px; height: 13.44px; }
.icon-brick { width: 48px; height: 48px; background: var(--coral); border-radius: 6.7px; }

/* Calculator */
.calc { display: flex; flex-direction: column; gap: 40px; }
.tabs { display: flex; gap: 8px; background: var(--line); padding: 6px; border-radius: 14px; align-self: flex-start; flex-wrap: wrap; }
.tab { border: 0; border-radius: 10px; padding: 12px 20px; min-height: 48px; font-size: 16px; font-weight: 600; cursor: pointer; background: transparent; color: var(--ink-2); }
.tab[aria-selected="true"] { background: var(--white); color: var(--green); box-shadow: 0 1px 2px rgba(19,32,59,0.12); }
.calc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: 24px; align-items: stretch; }
.card { background: var(--white); border-radius: 20px; padding: 32px; box-shadow: inset 0 0 0 1px var(--line); }
.calc-inputs { display: flex; flex-direction: column; gap: 24px; overflow: hidden; }
.stripe { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); height: 8px; margin: -32px -32px 0; }
.stripe span:nth-child(1), .footer-stripe span:nth-child(1) { background: var(--blue); }
.stripe span:nth-child(2), .footer-stripe span:nth-child(2) { background: var(--marigold); }
.stripe span:nth-child(3), .footer-stripe span:nth-child(3) { background: var(--money); }
.stripe span:nth-child(4), .footer-stripe span:nth-child(4) { background: var(--coral); }
.panel-stack { display: flex; flex-direction: column; gap: 24px; }
.hint-row { display: flex; align-items: center; gap: 4px 12px; flex-wrap: wrap; }
.hint-row span { font-size: 14px; color: var(--ink-3); }
.hint-row .link-btn { color: var(--blue); font-size: 14px; }
.info-box { border-radius: 12px; padding: 14px 16px; font-size: 15px; }
.info-blue { background: var(--blue-tint); }
.info-paper { background: var(--paper); color: var(--ink-2); margin: 0; }
.info-box p { margin: 6px 0 0; }
input[type="range"] { width: 100%; accent-color: var(--green); min-height: 44px; }
.range-ends { display: flex; justify-content: space-between; font-size: 14px; color: var(--ink-3); }
.results { background: var(--green); color: var(--white); border-radius: 20px; padding: 32px; display: flex; flex-direction: column; gap: 24px; }
.results .muted { font-size: 16px; color: var(--green-soft); }
.results .credit { font-family: var(--display); font-weight: 800; font-size: clamp(56px, 7vw, 80px); line-height: 1; letter-spacing: -0.03em; color: var(--marigold); }
.result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.result-tile { background: rgba(255,255,255,0.08); border-radius: 14px; padding: 18px; }
.result-tile .muted { font-size: 15px; }
.result-tile .val { font-family: var(--display); font-weight: 800; font-size: 30px; }
.results p { margin: 0; }
.results .fine { font-size: 14px; color: var(--green-soft); }
.results-cta { margin-top: auto; display: flex; flex-direction: column; gap: 12px; }

/* Pledge */
.pledge { position: relative; overflow: hidden; background: var(--marigold); }
.pledge .deco-a { right: -40px; top: -40px; width: 180px; height: 180px; background: var(--white); opacity: 0.25; border-radius: 50%; }
.pledge .deco-b { left: -30px; bottom: -30px; width: 120px; height: 120px; background: var(--coral); border-radius: 16px; }
.pledge-grid { position: relative; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 400px), 1fr)); gap: 48px; align-items: center; padding-top: 96px; padding-bottom: 96px; }
.pledge-copy { display: flex; flex-direction: column; gap: 20px; }
.badge { align-self: flex-start; background: var(--ink); color: var(--white); font-size: 15px; font-weight: 600; padding: 6px 14px; border-radius: 999px; }
.pledge h2 { font-size: clamp(40px, 5vw, 60px); line-height: 1.04; letter-spacing: -0.03em; }
.pledge-copy p { margin: 0; font-size: 20px; }
.pledge-card { background: var(--white); border-radius: 24px; box-shadow: 0 20px 48px rgba(19,32,59,0.18); padding: 36px; }
.pledge-form { display: flex; flex-direction: column; gap: 20px; }
.field-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 16px; }
.submit-big { min-height: 60px; font-size: 19px; padding: 18px 28px; }
.thanks { display: flex; flex-direction: column; gap: 14px; }
.thanks h3 { font-size: 28px; }
.thanks p { margin: 0; color: var(--ink-2); }

/* Accordions (funds and FAQ) */
.acc-list { display: flex; flex-direction: column; gap: 10px; }
.acc-btn { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; background: transparent; border: 0; padding: 22px 24px; min-height: 64px; cursor: pointer; text-align: left; color: var(--ink); }
.acc-panel { padding: 0 24px 24px; display: flex; flex-direction: column; gap: 14px; }
.acc-panel p { margin: 0; color: var(--ink-2); }

/* Funds */
.funds { background: var(--paper); border-bottom: 1px solid var(--line); }
.fund-item { background: var(--white); box-shadow: inset 0 0 0 1px var(--line); }
.fund-item .acc-panel a { align-self: flex-start; font-weight: 600; }

.funds-body { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: 40px; align-items: start; }
.funds-photo { position: relative; }
.funds-photo img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 20px; position: relative; z-index: 1; }
.funds-deco { left: -16px; bottom: -16px; width: 56px; height: 56px; background: var(--money); border-radius: 8px; z-index: 2; }
@media (max-width: 860px) { .funds-body { grid-template-columns: 1fr; gap: 28px; } }
@media (max-width: 640px) { .funds-photo img { border-radius: 14px; } .funds-deco { width: 40px; height: 40px; left: -8px; bottom: -10px; } }

/* FAQ */
.faq { background: var(--white); border-bottom: 1px solid var(--line); }
.faq-inner { display: flex; flex-direction: column; gap: 40px; }
.faq-head { max-width: 720px; }
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item { border-radius: 14px; overflow: hidden; background: var(--paper); }
.faq-item:has(button[aria-expanded="true"]) { background: var(--green-tint); box-shadow: none; }
.faq-item .acc-btn { padding: 18px 22px; min-height: 60px; font-size: 18px; font-weight: 600; }
.faq-item .acc-panel { padding: 0 22px 20px; }
.faq-item .acc-panel p { font-size: 17px; }
.shape { position: relative; flex: none; width: 24px; height: 24px; }
.shape-tri { background: var(--blue); clip-path: polygon(50% 6%, 100% 94%, 0 94%); }
.shape-coin { background: var(--marigold); border-radius: 50%; }
.shape-plus::before, .shape-plus::after { content: ""; position: absolute; background: var(--money); border-radius: 2px; }
.shape-plus::before { left: 9px; top: 0; width: 6px; height: 24px; }
.shape-plus::after { left: 0; top: 9px; width: 24px; height: 6px; }
.shape-sq { background: var(--coral); border-radius: 4px; }

/* Footer */
.footer-stripe { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); height: 10px; }
.site-footer { background: var(--ink); color: var(--white); padding-bottom: env(safe-area-inset-bottom, 0px); }
.footer-inner { display: flex; flex-direction: column; gap: 24px; padding-top: 56px; padding-bottom: 56px; }
.footer-brand { display: flex; align-items: center; gap: 12px; }
.site-footer p { margin: 0; font-size: 15px; max-width: 820px; }
.site-footer .disclaimer { font-size: 14px; color: #E6EBF5; }
.site-footer .meta { color: #C9D3E8; font-weight: 700; }
.site-footer .dot { margin: 0 8px; }
.site-footer a { color: var(--white); }
.site-footer a:hover { color: var(--marigold); }


/* Selects, income, SMS consent */
.select { appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%2313203B' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; }
.select:invalid { color: var(--ink-3); }
.hero-form-row .select { width: 100%; min-width: 0; min-height: 56px; padding-left: 14px; padding-right: 34px; background-position: right 10px center; }
.income-val { font-family: var(--display); font-weight: 800; font-size: 40px; line-height: 1.1; color: var(--green); letter-spacing: -0.02em; }
.field-wide { grid-column: 1 / -1; }
.sms-box { background: var(--paper); border-radius: 14px; padding: 16px 18px; display: flex; flex-direction: column; gap: 12px; }
.check { display: flex; align-items: flex-start; gap: 12px; font-weight: 600; font-size: 16px; cursor: pointer; }
.check input { width: 22px; height: 22px; margin: 2px 0 0; flex: none; accent-color: var(--green); }
.consent-text { margin: 0; font-size: 13px; line-height: 1.5; color: var(--ink-3); }
.fund-pick { font-weight: 600; }


/* Calculator: single vertical box, brand styling */
.calc-box { max-width: 820px; margin: 0 auto; background: var(--white); border-radius: 24px; overflow: hidden; box-shadow: 0 1px 0 var(--line), 0 18px 40px rgba(19,32,59,0.08); }
.calc-box .stripe { margin: 0; height: 10px; }
.calc-body { padding: 40px 44px 36px; display: flex; flex-direction: column; gap: 26px; }
.calc-body .eyebrow { margin-bottom: -16px; color: var(--blue); }
.calc-body h2 { font-size: clamp(32px, 4vw, 44px); letter-spacing: -0.03em; }
.calc-sub { margin: -16px 0 0; font-size: 17px; color: var(--ink-2); }
.q { display: flex; flex-direction: column; gap: 10px; }
.q-label { font-size: 17px; font-weight: 600; margin: 0 0 10px; padding: 0; }
.q-hint { font-size: 14px; font-weight: 600; color: var(--ink-3); margin-top: 4px; }
.seg { display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 8px; }
.seg-btn { min-height: 52px; padding: 8px 10px; border: 0; border-radius: 12px; background: var(--paper); color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--field); font-size: 16px; font-weight: 600; cursor: pointer; line-height: 1.2; }
.seg-btn:hover { box-shadow: inset 0 0 0 1.5px var(--green); }
.seg-btn[aria-pressed="true"] { background: var(--green); color: var(--white); box-shadow: none; }
.estimate { background: var(--green); color: var(--white); border-radius: 20px; padding: 28px; display: flex; flex-direction: column; gap: 8px; margin-top: 4px; }
.est-label { font-size: 14px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--green-soft); }
.est-row { display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.est-big { font-family: var(--display); font-weight: 800; font-size: clamp(56px, 8vw, 80px); line-height: 1; letter-spacing: -0.04em; color: var(--marigold); }
.est-unit { font-size: 17px; color: var(--white); }
.est-text { margin: 4px 0 0; font-size: 18px; }
.estimate .est-fine { color: var(--green-soft); }
.est-fine { margin: 0; font-size: 13px; color: var(--ink-3); }
.calc-cta { width: 100%; min-height: 58px; border-radius: 14px; font-size: 18px; gap: 8px; margin-top: 12px; }


/* Floating CTA */
.fab {
  position: fixed; z-index: 30;
  right: calc(20px + env(safe-area-inset-right, 0px)); bottom: calc(20px + env(safe-area-inset-bottom, 0px));
  width: 60px; height: 60px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: var(--white); color: var(--blue); text-decoration: none;
  box-shadow: 0 0 0 4px var(--coral), 0 10px 24px rgba(19,32,59,0.28);
  transition: transform 0.2s, opacity 0.2s;
}
.fab:hover, .fab:focus-visible { color: var(--blue); transform: scale(1.06); }
.fab-label {
  position: absolute; right: calc(100% + 14px); top: 50%; transform: translate(8px, -50%);
  white-space: nowrap; background: var(--white); color: var(--ink);
  font-size: 15px; font-weight: 600; padding: 10px 14px; border-radius: 10px;
  box-shadow: 0 6px 20px rgba(19,32,59,0.18);
  opacity: 0; pointer-events: none; transition: opacity 0.2s, transform 0.2s;
}
.fab:hover .fab-label, .fab:focus-visible .fab-label { opacity: 1; transform: translate(0, -50%); }
.fab.is-hidden { opacity: 0; pointer-events: none; transform: scale(0.8); }
@media (max-width: 640px) {
  .fab { width: 54px; height: 54px; right: calc(16px + env(safe-area-inset-right, 0px)); bottom: calc(16px + env(safe-area-inset-bottom, 0px)); }
  .fab-label { display: none; }
}
@media (prefers-reduced-motion: reduce) { .fab, .fab-label { transition: none; } }


/* Privacy policy page */
.nav-cta-policy { min-height: 44px; padding: 10px 18px; border-radius: 10px; font-size: 16px; }
.policy-hero { position: relative; overflow: hidden; background: var(--green); color: var(--white); padding: 72px 0; }
.policy-hero-inner { position: relative; display: flex; flex-direction: column; gap: 14px; }
.policy-hero-inner > * { max-width: 760px; }
.policy-hero .eyebrow { color: var(--marigold); }
.policy-hero h1 { font-size: clamp(40px, 5.4vw, 60px); line-height: 1.05; letter-spacing: -0.03em; }
.policy-lede { margin: 0; font-size: 20px; color: var(--green-tint); max-width: 640px; }
.policy-date { margin: 6px 0 0; align-self: flex-start; background: rgba(255,255,255,0.12); color: var(--white); font-size: 14px; font-weight: 600; padding: 6px 14px; border-radius: 999px; }
.policy-deco-tri { right: 6%; top: 40px; width: 120px; height: 120px; background: #5B8DF0; clip-path: polygon(50% 6%, 100% 94%, 0 94%); opacity: 0.9; }
.policy-deco-coin { right: 16%; bottom: -40px; width: 110px; height: 110px; background: var(--marigold); border-radius: 50%; }
.policy-layout { margin-top: 64px; margin-bottom: 88px; }
.policy-toc { position: sticky; top: 96px; background: var(--white); border-radius: 18px; padding: 22px 22px 18px; box-shadow: inset 0 0 0 1px var(--line); }
.toc-title { margin: 0 0 10px; font-size: 13px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-3); }
.policy-toc ol { margin: 0; padding-left: 20px; display: flex; flex-direction: column; gap: 6px; font-size: 15px; }
.policy-toc a { color: var(--ink); text-decoration: none; font-weight: 600; }
.policy-toc a:hover { color: var(--green); text-decoration: underline; }
.policy-body { display: flex; flex-direction: column; gap: 44px; max-width: 760px; }
.policy-body section { display: flex; flex-direction: column; gap: 14px; scroll-margin-top: 96px; }
.policy-body h2 { display: flex; align-items: center; gap: 14px; font-size: clamp(24px, 3vw, 30px); line-height: 1.2; letter-spacing: -0.02em; }
.policy-body h3 { font-size: 19px; margin-top: 6px; }
.policy-body p, .policy-body li { color: var(--ink-2); }
.policy-body p { margin: 0; }
.policy-body ul { margin: 0; padding-left: 22px; display: flex; flex-direction: column; gap: 8px; }
.policy-body strong { color: var(--ink); }
.num { flex: none; display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 10px; background: var(--green-tint); color: var(--green); font-size: 17px; }
.policy-body section:nth-of-type(4n+2) .num { background: var(--blue-tint); color: #1F4FB0; }
.policy-body section:nth-of-type(4n+3) .num { background: var(--marigold-tint); color: #6B4E00; }
.policy-body section:nth-of-type(4n+4) .num { background: var(--coral-tint); color: var(--error); }
.policy-summary { background: var(--marigold-tint); border-radius: 20px; padding: 28px 30px; display: flex; flex-direction: column; gap: 14px; }
.policy-summary h2 { font-size: 24px; }
.policy-summary li { color: var(--ink); }
.contact-card { background: var(--white); border-radius: 16px; padding: 22px 24px; box-shadow: inset 0 0 0 1px var(--line); display: flex; flex-direction: column; gap: 10px; }
.policy-back { margin-top: 8px; }
@media (max-width: 900px) {
  .policy-layout { margin-top: 40px; margin-bottom: 64px; }
  .policy-toc { position: static; }
  .policy-toc ol { columns: 2; display: block; }
  .policy-toc li { margin-bottom: 6px; break-inside: avoid; }
}
@media (max-width: 640px) {
  .policy-hero { padding: 44px 0 52px; }
  .policy-lede { font-size: 18px; }
  .policy-deco-tri { width: 70px; height: 70px; top: 24px; right: 4%; }
  .policy-deco-coin { width: 70px; height: 70px; }
  .policy-toc ol { columns: 1; }
  .policy-summary { padding: 22px 20px; }
  .nav-cta-policy { padding: 10px 14px; font-size: 15px; white-space: nowrap; text-transform: capitalize; }
  .hide-sm { display: none; }
  .policy-deco-coin { right: -20px; bottom: -36px; }
}


/* Hero phone + SMS */
.hero-submit { width: 100%; min-height: 56px; }
.check-sm { font-size: 15px; font-weight: 600; gap: 10px; }
.check-sm input { width: 20px; height: 20px; }
.consent-inline { display: block; margin-top: 4px; font-size: 12.5px; font-weight: 400; line-height: 1.45; color: var(--ink-3); }

/* Refund section */
.refund { background: var(--white); border-bottom: 1px solid var(--line); }
.refund-inner { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr); gap: 64px; align-items: center; }
.refund-title { display: flex; flex-direction: column; gap: 18px; }
.rt-q { font-size: clamp(24px, 2.6vw, 32px); line-height: 1.25; letter-spacing: -0.01em; color: var(--green); }
.rt-a { font-size: clamp(44px, 5.6vw, 72px); line-height: 1.3; letter-spacing: -0.03em; color: var(--ink); }
.rt-a mark { background: var(--marigold); color: var(--ink); padding: 0.02em 0.16em; border-radius: 12px; -webkit-box-decoration-break: clone; box-decoration-break: clone; }
.refund-photos { position: relative; display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: auto auto; gap: 14px; }
.rp { display: block; width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 20px; position: relative; z-index: 1; }
.rp-tall { grid-row: 1 / span 2; height: 100%; aspect-ratio: auto; object-position: center 30%; }
.rp-coin { width: 64px; height: 64px; background: var(--marigold); border-radius: 50%; left: -22px; top: -22px; z-index: 2; }
.rp-tri { width: 56px; height: 56px; background: var(--coral); clip-path: polygon(50% 6%, 100% 94%, 0 94%); right: -16px; bottom: -20px; z-index: 2; }
@media (max-width: 860px) {
  .refund-inner { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 640px) {
  .refund-title { gap: 12px; }
  .refund-photos { gap: 10px; }
  .rp { border-radius: 14px; }
  .rp-coin { width: 44px; height: 44px; left: -10px; top: -14px; }
  .rp-tri { width: 40px; height: 40px; right: -6px; bottom: -14px; }
}


/* Pledge: heading centered above the form */
.pledge-grid { grid-template-columns: 1fr; justify-items: center; gap: 36px; }
.pledge-copy { align-items: center; text-align: center; max-width: 960px; }
.pledge-copy p { max-width: 620px; }
.pledge-card { width: 100%; max-width: 780px; text-align: left; }

/* Contribution amount choice */
.amount-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 8px; }
.amount-pill { display: flex; flex-direction: column; align-items: flex-start; gap: 2px; text-align: left; padding: 14px 16px; min-height: 64px; border: 0; border-radius: 12px; background: var(--paper); box-shadow: inset 0 0 0 1.5px var(--field); cursor: pointer; color: var(--ink); }
.amount-pill strong { font-family: var(--display); font-size: 22px; font-weight: 800; }
.amount-pill span { font-size: 14px; color: var(--ink-3); }
.amount-pill:hover { box-shadow: inset 0 0 0 1.5px var(--green); }
.amount-pill[aria-pressed="true"] { background: var(--green); color: var(--white); box-shadow: none; }
.amount-pill[aria-pressed="true"] span { color: var(--green-soft); }

.hero-form .check-sm { margin-top: 2px; }

/* Responsive */
@media (max-width: 860px) {
  .nav-link { display: none; }
  .menu-btn { display: inline-flex; }
  .mobile-menu.open { display: flex; }
  .header-row { gap: 12px; padding-top: 10px; padding-bottom: 10px; }
}
@media (max-width: 640px) {
  .wrap { padding-left: 20px; padding-right: 20px; }
  .header-row { padding-top: 16px; padding-bottom: 16px; }
  .footer-inner { gap: 20px; padding-top: 52px; padding-bottom: 60px; }
  .footer-brand { margin-bottom: 8px; }
  .site-footer p { line-height: 1.65; }
  .site-footer .meta { display: flex; flex-direction: column; gap: 12px; margin-top: 8px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.15); }
  .site-footer .dot { display: none; }
  .footer-inner { padding-bottom: 104px; }
  .site-header .wordmark { font-size: 16px; white-space: nowrap; }
  .section { padding: 56px 0; }
  .hero { padding-top: 32px; padding-bottom: 56px; gap: 40px; }
  .hero-lede { font-size: 20px; }
  .hero-form-row .btn { width: 100%; flex: 1 1 100%; }
  .card, .step, .results, .pledge-card { padding: 22px; }
  .stripe { margin: -22px -22px 0; }
  .pledge-grid { padding-top: 56px; padding-bottom: 56px; }
  .wordmark { font-size: 17px; }
  .acc-btn { padding: 18px; }
  .acc-panel { padding: 0 18px 20px; }
  .calc-body { padding: 26px 18px 24px; gap: 22px; }
  .seg { gap: 6px; }
  .seg-btn { font-size: 14px; padding: 8px 4px; }
  .seg-income { grid-auto-flow: row; grid-template-columns: repeat(2, 1fr); }
  .estimate { padding: 22px 18px; }
  .calc-cta { font-size: 15px; padding: 14px 12px; white-space: nowrap; }
  .hero-form-row input, .hero-form-row .select { min-height: 46px; padding-top: 8px; padding-bottom: 8px; font-size: 16px; }
  .income-val { font-size: 32px; }
  .hero-form-row .btn { min-height: 50px; }
  h2, .how h2 { font-size: 28px; overflow-wrap: break-word; }
  .pledge h2 { font-size: 36px; }
  .tabs { display: grid; grid-template-columns: 1fr 1fr; align-self: stretch; }
  .tab { padding: 8px 6px; font-size: 15px; line-height: 1.25; min-width: 0; }
  .tab-sub { display: block; font-size: 13px; font-weight: 500; }
  .tab-dot { display: none; }
  .site-footer p { font-size: 14px; overflow-wrap: break-word; }
}
@media (max-width: 480px) {
  .nav-cta { display: none; }
}
@media (max-width: 380px) {
  .hero-form-row { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .chev { transition: none; }
}