/* ==========================================================================
   InsureLend Compare - front-end stylesheet
   Flat, editorial, no gradients. Light theme.
   ========================================================================== */

:root {
  --ink: #14202b;
  --ink-2: #4a5a68;
  --ink-3: #7a8794;
  --line: #e3e8ed;
  --line-2: #d3dae1;
  --bg: #ffffff;
  --bg-2: #f6f8fa;
  --bg-3: #eef2f6;
  --brand: #0f3d63;
  --brand-2: #185fa5;
  --accent: #1d9e75;
  --accent-bg: #eaf6f1;
  --warn: #b45309;
  --warn-bg: #fdf4e7;
  --danger: #a32d2d;
  --danger-bg: #fbecec;
  --radius: 10px;
  --radius-lg: 14px;
  --shadow: 0 1px 2px rgba(20, 32, 43, .06);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --maxw: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; }

a { color: var(--brand-2); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { line-height: 1.25; margin: 0 0 .5em; font-weight: 650; letter-spacing: -.01em; }
h1 { font-size: 2.1rem; }
h2 { font-size: 1.5rem; }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--brand); color: #fff;
  padding: 10px 16px; z-index: 100;
}
.skip-link:focus { left: 8px; top: 8px; }

.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;
}

.muted { color: var(--ink-3); }
.small { font-size: .85rem; }
.empty { padding: 48px 0; color: var(--ink-3); }

/* ---------------------------------------------------------------- header */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 40;
}
.header-inner {
  display: flex; align-items: center; gap: 24px;
  min-height: 64px;
}
.brand { display: flex; align-items: center; gap: 9px; font-weight: 700; color: var(--ink); flex: 0 0 auto; }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 30px; height: 30px; border-radius: 7px; background: var(--brand); color: #fff;
  display: grid; place-items: center; font-size: 13px; font-weight: 700; letter-spacing: .02em;
}
.brand-text { font-size: 1.02rem; }
.brand-sm .brand-mark { width: 26px; height: 26px; font-size: 11px; }

.main-nav { display: flex; gap: 22px; flex: 1 1 auto; }
.main-nav a {
  color: var(--ink-2); font-size: .94rem; font-weight: 500; padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover { color: var(--brand); border-bottom-color: var(--line-2); text-decoration: none; }

.header-tools { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; }
.search-mini input {
  width: 190px; padding: 7px 11px; font-size: .88rem;
  border: 1px solid var(--line-2); border-radius: 8px; background: var(--bg-2); color: var(--ink);
  font-family: inherit;
}
.search-mini input:focus { outline: 2px solid var(--brand-2); outline-offset: 0; background: #fff; }

.lang-switch select {
  padding: 7px 8px; font-size: .86rem; font-family: inherit;
  border: 1px solid var(--line-2); border-radius: 8px; background: #fff; color: var(--ink-2);
  cursor: pointer;
}

.nav-toggle, .nav-toggle-checkbox { display: none; }

/* ---------------------------------------------------------------- buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  padding: 11px 20px; border-radius: 9px; font-size: .94rem; font-weight: 600;
  border: 1px solid transparent; cursor: pointer; font-family: inherit;
  transition: background .15s, border-color .15s, color .15s;
  text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: #0b3050; }
.btn-outline { border-color: var(--line-2); color: var(--ink); background: #fff; }
.btn-outline:hover { border-color: var(--ink-3); background: var(--bg-2); }
.btn-ghost { color: var(--brand-2); background: transparent; padding-left: 0; padding-right: 0; }
.btn-ghost:hover { text-decoration: underline; }
.btn-sm { padding: 8px 14px; font-size: .86rem; }
.btn-block { display: flex; width: 100%; }

/* ---------------------------------------------------------------- hero */
.hero { background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 64px 0 48px; }
.hero-inner { max-width: 860px; }
.kicker {
  font-size: .8rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase;
  color: var(--accent); margin: 0 0 14px;
}
.hero h1 { font-size: 2.5rem; margin-bottom: 18px; letter-spacing: -.025em; }
.lede { font-size: 1.08rem; color: var(--ink-2); max-width: 68ch; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin: 26px 0 0; }
.hero-stats {
  display: flex; gap: 44px; margin: 40px 0 0; padding-top: 26px; border-top: 1px solid var(--line-2);
}
.hero-stats dt { font-size: .82rem; color: var(--ink-3); margin-bottom: 2px; }
.hero-stats dd { margin: 0; font-size: 1.6rem; font-weight: 650; color: var(--brand); }

/* ---------------------------------------------------------------- sections */
.section { padding: 60px 0; }
.section-alt { background: var(--bg-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-tight { padding: 36px 0 8px; }
.section-head { max-width: 720px; margin-bottom: 32px; }
.section-head h2 { font-size: 1.7rem; }
.section-head p { color: var(--ink-2); margin: 0; }
.section-foot { margin-top: 28px; }
.h2-sm { font-size: 1.25rem; margin: 0 0 18px; }
.h3-sm { font-size: 1rem; margin: 26px 0 12px; }

.page-head { padding: 44px 0 8px; }
.page-head h1 { margin-bottom: 12px; }

/* ---------------------------------------------------------------- tool cards */
.tool-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; }
.tool-grid-sm { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.tcard {
  display: flex; flex-direction: column; gap: 6px;
  padding: 22px; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: #fff; color: var(--ink); box-shadow: var(--shadow);
  transition: border-color .15s, transform .15s;
}
.tcard:hover { border-color: var(--brand-2); text-decoration: none; transform: translateY(-2px); }
.tcard h3 { font-size: 1.05rem; margin: 0; }
.tcard p { font-size: .9rem; color: var(--ink-2); margin: 0; flex: 1; }
.tcard-badge {
  align-self: flex-start; font-size: .72rem; font-weight: 700; letter-spacing: .05em;
  text-transform: uppercase; color: var(--brand-2); background: var(--bg-3);
  padding: 3px 8px; border-radius: 5px;
}
.tcard-go { font-size: .86rem; font-weight: 600; color: var(--accent); margin-top: 6px; }
.tcard-sm { padding: 16px; }
.tcard-sm h3 { font-size: .98rem; }
.tcard-sm p { font-size: .84rem; }

/* ---------------------------------------------------------------- provider cards */
.pcard-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 18px; }
.pcard {
  display: flex; flex-direction: column; gap: 12px;
  padding: 22px; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: #fff; box-shadow: var(--shadow);
}
.pcard-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.pcard-name { font-size: 1.1rem; margin: 0 0 2px; }
.pcard-name a { color: var(--ink); }
.pcard-cat { font-size: .8rem; color: var(--ink-3); margin: 0; }
.pcard-tagline { font-size: .9rem; color: var(--ink-2); margin: 0; flex: 1; }
.pcard-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 0; }
.pcard-stats dt { font-size: .74rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: .04em; }
.pcard-stats dd { margin: 2px 0 0; font-size: .9rem; font-weight: 600; }
.pcard-stats .unit { font-weight: 400; color: var(--ink-3); font-size: .78rem; display: block; }
.pcard-actions { display: flex; gap: 10px; align-items: center; padding-top: 12px; border-top: 1px solid var(--line); }
.pcard-compact { padding: 18px; }

/* ---------------------------------------------------------------- tier badge */
.tier {
  display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .04em;
  padding: 3px 9px; border-radius: 999px; white-space: nowrap; text-transform: uppercase;
}
.tier-high { background: var(--accent-bg); color: #0f6e56; }
.tier-medium { background: var(--bg-3); color: var(--brand-2); }
.tier-low { background: var(--warn-bg); color: var(--warn); }
.tier-lg { font-size: .82rem; padding: 5px 13px; }

/* ---------------------------------------------------------------- guide cards */
.guide-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 18px; }
.guide-list-sm { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.gcard {
  display: block; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: #fff; color: var(--ink); box-shadow: var(--shadow);
  transition: border-color .15s, transform .15s;
}
.gcard:hover { border-color: var(--brand-2); text-decoration: none; transform: translateY(-2px); }
.gcard h3 { font-size: 1.04rem; margin: 0 0 8px; }
.gcard p { font-size: .9rem; color: var(--ink-2); margin: 0 0 12px; }
.gcard-meta { font-size: .78rem; color: var(--ink-3); }
.guide-list-sm .gcard { padding: 16px; }
.guide-list-sm h3 { font-size: .95rem; }

/* ---------------------------------------------------------------- chips */
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 24px 0 8px; }
.chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 13px; border: 1px solid var(--line-2); border-radius: 999px;
  font-size: .86rem; color: var(--ink-2); background: #fff;
}
.chip:hover { border-color: var(--brand-2); color: var(--brand-2); text-decoration: none; }
.chip.is-active { background: var(--brand); border-color: var(--brand); color: #fff; }
.chip span { font-size: .76rem; opacity: .7; }

/* ---------------------------------------------------------------- layout with rail */
.layout-with-rail { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; padding-top: 24px; padding-bottom: 48px; }
.rail { display: flex; flex-direction: column; gap: 20px; }
.rail-box {
  padding: 18px; border: 1px solid var(--line); border-radius: var(--radius);
  background: var(--bg-2);
}
.rail-box h3 { font-size: .95rem; margin: 0 0 10px; }
.rail-links { list-style: none; margin: 0; padding: 0; }
.rail-links li { padding: 5px 0; font-size: .9rem; border-bottom: 1px solid var(--line); }
.rail-links li:last-child { border-bottom: 0; }
.rail-note p { font-size: .82rem; color: var(--ink-3); margin: 0; }
.rail-cta { background: #fff; }
.rail-provider { display: flex; justify-content: space-between; align-items: center; gap: 8px; padding: 6px 0; font-size: .9rem; }

/* ---------------------------------------------------------------- breadcrumb */
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: .84rem; color: var(--ink-3); padding: 18px 0 10px; flex-wrap: wrap; }
.breadcrumb a { color: var(--ink-3); }
.breadcrumb a:hover { color: var(--brand-2); }

/* ---------------------------------------------------------------- calculator form */
.tool-page { padding-bottom: 56px; }
.tool-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; }
.tool-main h1 { margin-bottom: 10px; }

.calc-form {
  margin: 28px 0; padding: 24px; border: 1px solid var(--line);
  border-radius: var(--radius-lg); background: var(--bg-2);
}
.calc-form fieldset { border: 0; margin: 0; padding: 0; }
.calc-form legend { font-size: .8rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--ink-3); margin-bottom: 16px; }
.field-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 16px 20px; }
.field label { display: block; font-size: .84rem; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; }
.field input, .field select {
  width: 100%; padding: 10px 12px; font-size: .95rem; font-family: inherit;
  border: 1px solid var(--line-2); border-radius: 8px; background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus { outline: 2px solid var(--brand-2); outline-offset: 0; }
.input-affix { display: flex; align-items: center; }
.input-affix input { border-radius: 0; }
.input-affix .affix {
  padding: 10px 10px; font-size: .9rem; color: var(--ink-3); background: var(--bg-3);
  border: 1px solid var(--line-2); border-right: 0; border-radius: 8px 0 0 8px;
  white-space: nowrap;
}
.input-affix .affix-end { border: 1px solid var(--line-2); border-left: 0; border-radius: 0 8px 8px 0; }
.input-affix .affix + input { border-left: 0; }
.input-affix input:first-child { border-radius: 8px 0 0 8px; }
.calc-actions { display: flex; gap: 16px; align-items: center; margin-top: 22px; }
.calc-hint { margin: 20px 0; }

/* ---------------------------------------------------------------- results */
.result-card {
  margin: 28px 0; padding: 26px; border: 1px solid var(--line-2);
  border-radius: var(--radius-lg); background: #fff; box-shadow: var(--shadow);
}
.result-card h2 { font-size: 1.05rem; text-transform: uppercase; letter-spacing: .06em; color: var(--ink-3); margin-bottom: 16px; }
.result-primary { padding: 18px 20px; background: var(--bg-2); border-radius: var(--radius); margin-bottom: 22px; }
.result-label { display: block; font-size: .84rem; color: var(--ink-3); margin-bottom: 4px; }
.result-value { font-size: 2.1rem; font-weight: 700; color: var(--brand); letter-spacing: -.02em; }
.result-table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.result-table th, .result-table td { padding: 9px 0; border-bottom: 1px solid var(--line); text-align: left; }
.result-table th { font-weight: 500; color: var(--ink-2); }
.result-table td { text-align: right; font-weight: 600; }
.result-table-grid th, .result-table-grid td { padding: 8px 10px; }
.result-table-grid thead th { font-size: .78rem; text-transform: uppercase; letter-spacing: .04em; color: var(--ink-3); border-bottom: 1px solid var(--line-2); }
.table-scroll { max-height: 420px; overflow: auto; border: 1px solid var(--line); border-radius: var(--radius); }
.factor-list { list-style: none; padding: 0; margin: 0; }
.factor-list li { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
.factor-list b { color: var(--brand-2); }
.result-notes { margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--line); }
.result-notes p { font-size: .85rem; color: var(--ink-3); margin: 0 0 8px; }
.result-error { color: var(--danger); background: var(--danger-bg); padding: 14px 16px; border-radius: var(--radius); font-size: .92rem; }
.tool-disclaimer { font-size: .82rem; color: var(--ink-3); border-left: 3px solid var(--line-2); padding-left: 14px; margin-top: 24px; }

/* ---------------------------------------------------------------- provider page */
.provider-page { padding-bottom: 56px; }
.provider-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; }
.provider-head { display: flex; justify-content: space-between; gap: 24px; align-items: flex-start; padding-bottom: 22px; border-bottom: 1px solid var(--line); margin-bottom: 28px; }
.provider-head h1 { font-size: 2rem; margin: 10px 0 8px; }
.provider-head-side { text-align: right; flex: 0 0 auto; }
.pill { display: inline-block; font-size: .76rem; font-weight: 600; color: var(--ink-3); background: var(--bg-3); padding: 3px 9px; border-radius: 5px; }
.rating { margin-top: 8px; font-size: .9rem; color: var(--ink-3); }
.rating b { font-size: 1.3rem; color: var(--brand); }

.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 26px 0; }
.proscons-col { padding: 18px 20px; border-radius: var(--radius); border: 1px solid var(--line); }
.proscons-col h3 { font-size: .82rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 10px; }
.proscons-col ul { margin: 0; padding-left: 18px; }
.proscons-col li { font-size: .9rem; margin-bottom: 6px; }
.pros { background: var(--accent-bg); border-color: #c8e6da; }
.pros h3 { color: #0f6e56; }
.cons { background: var(--warn-bg); border-color: #f0dcc0; }
.cons h3 { color: var(--warn); }

.commission-block { margin: 30px 0; padding: 24px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--bg-2); }
.commission-block h2 { font-size: 1.15rem; margin-bottom: 16px; }
.commission-table th { width: 42%; }
.commission-table td { text-align: left; }
.source-note { font-size: .8rem; color: var(--ink-3); margin: 14px 0 0; }

.apply-block { margin: 30px 0; }
.steps { padding-left: 20px; }
.steps li { margin-bottom: 10px; font-size: .94rem; }
.callout { margin-top: 18px; padding: 16px 18px; background: var(--bg-3); border-left: 3px solid var(--brand-2); border-radius: 0 var(--radius) var(--radius) 0; }
.callout p { margin: 0; font-size: .9rem; color: var(--ink-2); }

/* ---------------------------------------------------------------- prose */
.prose { max-width: 72ch; }
.prose h2 { font-size: 1.35rem; margin-top: 2em; margin-bottom: .6em; }
.prose h3 { font-size: 1.05rem; margin-top: 1.6em; }
.prose p, .prose li { color: var(--ink-2); font-size: .97rem; }
.prose ul, .prose ol { padding-left: 22px; margin-bottom: 1.2em; }
.prose li { margin-bottom: .45em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.4em 0; font-size: .9rem; }
.prose th, .prose td { padding: 10px 12px; border: 1px solid var(--line); text-align: left; }
.prose th { background: var(--bg-2); font-weight: 600; font-size: .86rem; }
.prose code { font-family: var(--mono); font-size: .88em; background: var(--bg-3); padding: 2px 6px; border-radius: 4px; }
.prose-article { max-width: 72ch; }
.prose-narrow { max-width: 68ch; margin: 0 auto; }
.prose-narrow h1 { margin-bottom: 1em; }

.guide-page { padding-bottom: 56px; }
.guide-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; }
.guide-head { padding-bottom: 20px; border-bottom: 1px solid var(--line); margin-bottom: 28px; }
.guide-head h1 { font-size: 2rem; margin: 10px 0 10px; }
.guide-meta { font-size: .82rem; color: var(--ink-3); margin: 14px 0 0; }
.notice-inline { font-size: .85rem; color: var(--warn); background: var(--warn-bg); padding: 8px 12px; border-radius: 6px; margin-top: 12px; }

/* ---------------------------------------------------------------- search / error */
.search-page-form { display: flex; gap: 10px; margin-top: 22px; max-width: 560px; }
.search-page-form input {
  flex: 1; padding: 11px 14px; font-size: .96rem; font-family: inherit;
  border: 1px solid var(--line-2); border-radius: 9px;
}
.error-page { padding: 80px 20px; text-align: center; max-width: 620px; }
.error-code { font-size: 4rem; font-weight: 700; color: var(--line-2); margin: 0; line-height: 1; }
.error-page .hero-cta { justify-content: center; }

/* ---------------------------------------------------------------- ads */
.ad-slot { margin: 24px auto; max-width: var(--maxw); padding: 0 20px; text-align: center; }
.ad-slot:empty { display: none; }
.header_banner { margin-top: 0; }
.rail .ad-slot { padding: 0; margin: 0; }
.ad-slot::before {
  content: "Advertisement";
  display: block; font-size: .66rem; letter-spacing: .1em; text-transform: uppercase;
  color: var(--ink-3); opacity: .55; margin-bottom: 5px;
}

/* ---------------------------------------------------------------- method block */
.section-method { background: var(--bg-2); border-top: 1px solid var(--line); }
.method-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: start; }
.method-points { display: grid; gap: 18px; }
.method-point h3 { font-size: .95rem; margin-bottom: 4px; }
.method-point p { font-size: .88rem; color: var(--ink-2); margin: 0; }

/* ---------------------------------------------------------------- footer */
.site-footer { background: #0f2537; color: #c3d0da; margin-top: 64px; padding: 48px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; }
.footer-brand .brand { color: #fff; }
.footer-brand p { font-size: .88rem; color: #9db0bd; margin-top: 12px; max-width: 42ch; }
.footer-col h4 { font-size: .78rem; text-transform: uppercase; letter-spacing: .09em; color: #7f95a4; margin-bottom: 12px; }
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { padding: 4px 0; }
.footer-col a { color: #c3d0da; font-size: .89rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom { margin-top: 36px; padding-top: 20px; border-top: 1px solid #1e3a4f; }
.footer-disclaimer { font-size: .78rem; color: #7f95a4; max-width: 90ch; margin: 0 0 10px; }
.copyright { font-size: .78rem; color: #6d8494; margin: 0; }

/* ---------------------------------------------------------------- responsive */
@media (max-width: 1000px) {
  .layout-with-rail, .tool-layout, .provider-layout, .guide-layout { grid-template-columns: 1fr; gap: 28px; }
  .rail { order: 2; }
  .method-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero h1 { font-size: 2rem; }
}

@media (max-width: 820px) {
  .search-mini { display: none; }
  .main-nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; gap: 0; padding: 8px 20px 16px; box-shadow: var(--shadow);
  }
  .nav-toggle-checkbox:checked ~ .main-nav { display: flex; }
  .main-nav a { padding: 10px 0; border-bottom: 1px solid var(--line); }
  .nav-toggle {
    display: flex; flex-direction: column; justify-content: center; gap: 4px;
    width: 38px; height: 38px; margin-left: auto; cursor: pointer;
  }
  .nav-toggle span { display: block; height: 2px; background: var(--ink-2); border-radius: 2px; }
  .header-inner { position: relative; }
  .header-tools { order: 3; margin-left: 0; }
}

@media (max-width: 640px) {
  h1 { font-size: 1.7rem; }
  .hero { padding: 40px 0 32px; }
  .hero h1 { font-size: 1.75rem; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .hero-stats dd { font-size: 1.3rem; }
  .section { padding: 40px 0; }
  .pcard-grid, .guide-list, .tool-grid { grid-template-columns: 1fr; }
  .proscons { grid-template-columns: 1fr; }
  .provider-head { flex-direction: column; }
  .provider-head-side { text-align: left; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .result-value { font-size: 1.7rem; }
  .field-grid { grid-template-columns: 1fr; }
  .calc-form, .result-card, .commission-block { padding: 18px; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}

/* ==========================================================================
   Callback request form (provider pages)
   ========================================================================== */

.lead-box {
  margin-top: 36px;
  padding: 26px 28px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.lead-box h2 {
  margin: 0 0 6px;
  font-size: 1.15rem;
  color: var(--brand);
}

.lead-box > p {
  margin: 0 0 18px;
  font-size: .92rem;
}

.lead-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 16px;
  margin-bottom: 16px;
}

.lead-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
  min-width: 0;
}

.lead-field span {
  font-size: .82rem;
  font-weight: 600;
  color: var(--ink-2);
}

.lead-field input {
  width: 100%;
  padding: 10px 12px;
  font-family: inherit;
  font-size: .95rem;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: 8px;
}

.lead-field input:focus {
  outline: 0;
  border-color: var(--brand-2);
  box-shadow: 0 0 0 3px rgba(24, 95, 165, .13);
}

/* Honeypot: off-screen, not display:none, so bots still fill it. */
.lead-hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.lead-note {
  margin: 12px 0 0;
  font-size: .78rem;
  line-height: 1.5;
  color: var(--ink-3);
  max-width: 60ch;
}

.lead-done,
.lead-error {
  padding: 11px 14px;
  margin-bottom: 16px;
  border-radius: 8px;
  font-size: .9rem;
}

.lead-done {
  background: var(--accent-bg);
  border: 1px solid #bfe4d6;
  color: #14664a;
}

.lead-error {
  background: var(--danger-bg);
  border: 1px solid #edc8c8;
  color: var(--danger);
}

@media (max-width: 640px) {
  .lead-box { padding: 20px; }
  .lead-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Rewards programme + rebate-law explainer
   Layout is fluid down to 320px: grids collapse, tables fold into cards.
   ========================================================================== */

.btn-lg { padding: 13px 22px; font-size: 1rem; }
.btn-quiet { border-color: transparent; color: var(--ink-3); background: transparent; }
.btn-quiet:hover { color: var(--ink); background: var(--bg-2); }
.btn[disabled], .btn:disabled { opacity: .45; cursor: not-allowed; pointer-events: none; }

.rw-eyebrow {
  margin: 0 0 10px;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent);
}

.rw-muted { color: var(--ink-3); }
.rw-fine { margin: 12px 0 0; font-size: .78rem; line-height: 1.55; color: var(--ink-3); }
.rw-center { text-align: center; margin: 24px 0 0; }

/* ---------- hero ---------- */

.rw-hero {
  padding: 56px 0 44px;
  background: var(--bg-2);
  border-bottom: 1px solid var(--line);
}

.rw-hero-in {
  display: grid;
  grid-template-columns: 1.35fr .85fr;
  gap: 48px;
  align-items: start;
}

.rw-hero-copy h1 {
  margin: 0 0 16px;
  font-size: clamp(1.9rem, 4.4vw, 2.85rem);
  line-height: 1.14;
  letter-spacing: -.02em;
  color: var(--brand);
}

.rw-hero-sub {
  margin: 0 0 26px;
  max-width: 54ch;
  font-size: 1.06rem;
  color: var(--ink-2);
}

.rw-hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 14px; }
.rw-hero-fine { margin: 0; font-size: .82rem; color: var(--ink-3); }

.rw-hero-card {
  padding: 24px 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.rw-hero-card h2 { margin: 0 0 4px; font-size: 1rem; color: var(--brand); }
.rw-hero-card-sub { margin: 0 0 16px; font-size: .84rem; color: var(--ink-3); }

.rw-hero-list { margin: 0; padding: 0; list-style: none; }
.rw-hero-list li {
  display: flex;
  align-items: baseline;
  gap: 8px;
  padding: 9px 0;
  font-size: .9rem;
  border-top: 1px solid var(--line);
}
.rw-hero-list strong {
  font-size: 1.12rem;
  font-variant-numeric: tabular-nums;
  color: var(--accent);
}
.rw-hero-card-fine { margin: 14px 0 0; font-size: .78rem; color: var(--ink-3); }

/* ---------- sections ---------- */

.rw-section { padding: 42px 0 0; }
.rw-section:last-of-type { padding-bottom: 8px; }

.rw-h2 {
  margin: 0 0 10px;
  font-size: 1.42rem;
  letter-spacing: -.01em;
  color: var(--brand);
}

.rw-lead { margin: 0 0 22px; max-width: 68ch; color: var(--ink-2); }

/* ---------- honesty disclosure ---------- */

.rw-disclosure {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 28px;
  padding: 24px 26px;
  background: var(--warn-bg);
  border: 1px solid #f0d9b5;
  border-left: 4px solid var(--warn);
  border-radius: var(--radius);
}

.rw-disclosure-head h2 { margin: 0; font-size: 1.1rem; line-height: 1.35; color: #7c3d08; }
.rw-disclosure-body p { margin: 0 0 10px; font-size: .92rem; color: #6b4319; }
.rw-disclosure-body p:last-child { margin-bottom: 0; }
.rw-disclosure-more a { font-weight: 600; color: #7c3d08; }

.rw-tag {
  display: inline-block;
  margin-bottom: 10px;
  padding: 3px 9px;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: #7c3d08;
  background: #f7e3c8;
  border-radius: 4px;
}

/* ---------- steps ---------- */

.rw-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.rw-step {
  padding: 22px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.rw-step-n {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  margin-bottom: 12px;
  font-size: .82rem;
  font-weight: 700;
  color: #fff;
  background: var(--brand);
  border-radius: 50%;
}

.rw-step h3 { margin: 0 0 6px; font-size: 1rem; color: var(--brand); }
.rw-step p { margin: 0; font-size: .9rem; color: var(--ink-2); }

/* ---------- two-column block ---------- */

.rw-two {
  display: grid;
  grid-template-columns: 1.55fr 1fr;
  gap: 40px;
  align-items: start;
}

.rw-side {
  padding: 22px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.rw-side h3 { margin: 0 0 4px; font-size: 1.02rem; color: var(--brand); }
.rw-side-sub { margin: 0 0 16px; font-size: .84rem; color: var(--ink-3); }

/* ---------- tables ---------- */

.rw-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.rw-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
}

.rw-table th {
  padding: 10px 14px;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  text-align: left;
  color: var(--ink-3);
  background: var(--bg-3);
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}

.rw-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

.rw-table tbody tr:last-child td { border-bottom: 0; }
.rw-table .num { text-align: right; font-variant-numeric: tabular-nums; }
.rw-table .muted { color: var(--ink-3); }
.rw-table .pos { color: var(--accent); font-weight: 600; }
.rw-table .neg { color: var(--danger); font-weight: 600; }
.rw-table-compact td, .rw-table-compact th { padding: 9px 12px; }

.rw-pts { font-weight: 700; color: var(--accent); font-variant-numeric: tabular-nums; }
.rw-td-note { display: block; margin-top: 2px; font-size: .78rem; color: var(--ink-3); }

/* ---------- reward catalog ---------- */

.rw-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(224px, 1fr));
  gap: 16px;
}

.rw-card {
  display: flex;
  flex-direction: column;
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: border-color .15s ease, box-shadow .15s ease;
}

.rw-card:hover { border-color: var(--line-2); box-shadow: var(--shadow); }
.rw-card-kind {
  margin: 0 0 8px;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.rw-card h3 { margin: 0 0 6px; font-size: 1rem; line-height: 1.35; color: var(--ink); }
.rw-card-desc { margin: 0 0 12px; font-size: .84rem; color: var(--ink-2); }

.rw-card-cost {
  margin: auto 0 0;
  font-size: 1.32rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--brand);
}
.rw-card-cost span { font-size: .74rem; font-weight: 600; color: var(--ink-3); text-transform: uppercase; letter-spacing: .05em; }
.rw-card-value { margin: 2px 0 0; font-size: .82rem; color: var(--accent); font-weight: 600; }

/* ---------- eligibility checker ---------- */

.rw-check { display: grid; gap: 12px; }

.rw-field { display: flex; flex-direction: column; gap: 5px; min-width: 0; }
.rw-field > span {
  font-size: .8rem;
  font-weight: 600;
  color: var(--ink-2);
}
.rw-field > span em { font-style: normal; font-weight: 400; color: var(--ink-3); }
.rw-field input, .rw-field select {
  width: 100%;
  padding: 10px 12px;
  font-family: inherit;
  font-size: .95rem;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: 8px;
}
.rw-field input:focus, .rw-field select:focus {
  outline: 0;
  border-color: var(--brand-2);
  box-shadow: 0 0 0 3px rgba(24, 95, 165, .13);
}
.rw-field small { font-size: .76rem; color: var(--ink-3); line-height: 1.45; }

.rw-verdict {
  margin-top: 16px;
  padding: 16px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  background: #fff;
}
.rw-verdict.is-no { background: #fdf3f3; border-color: #efcaca; }
.rw-verdict.is-yes { background: var(--accent-bg); border-color: #bfe4d6; }

.rw-verdict-head { margin: 0 0 6px; font-size: .92rem; font-weight: 700; }
.rw-verdict.is-no .rw-verdict-head { color: var(--danger); }
.rw-verdict.is-yes .rw-verdict-head { color: #14664a; }
.rw-verdict-body { margin: 0 0 8px; font-size: .84rem; color: var(--ink-2); }
.rw-verdict-cite { margin: 0 0 8px; font-size: .78rem; color: var(--ink-2); line-height: 1.5; }
.rw-verdict-reason { margin: 0 0 8px; font-size: .82rem; color: var(--ink-2); line-height: 1.55; }
.rw-verdict-fine { margin: 0; font-size: .82rem; font-weight: 600; }

/* ---------- rules ---------- */

.rw-rules { display: grid; gap: 16px; }

.rw-rule {
  padding: 18px 20px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.rw-rule h3 {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 6px;
  font-size: .98rem;
  color: var(--brand);
}
.rw-rule-n {
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  font-size: .76rem;
  color: var(--brand);
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: 50%;
}
.rw-rule p { margin: 0; font-size: .88rem; color: var(--ink-2); }

/* ---------- closing CTA ---------- */

.rw-cta {
  margin: 48px 0;
  padding: 38px 32px;
  text-align: center;
  background: var(--brand);
  border-radius: var(--radius-lg);
}
.rw-cta h2 { margin: 0 0 8px; font-size: 1.5rem; color: #fff; }
.rw-cta p { margin: 0 auto 22px; max-width: 58ch; color: rgba(255, 255, 255, .82); }
.rw-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.rw-cta .btn { background: #fff; color: var(--brand); border-color: #fff; }
.rw-cta .btn-primary { background: var(--accent); border-color: var(--accent); color: #fff; }

/* ---------- auth (join / login) ---------- */

.rw-auth-wrap { padding: 44px 0 64px; }
.rw-page-head { margin-bottom: 26px; }
.rw-page-head h1 { margin: 0 0 8px; font-size: clamp(1.6rem, 3.6vw, 2.1rem); color: var(--brand); }

.rw-auth {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 36px;
  align-items: start;
  max-width: 940px;
  margin: 0 auto;
}
.rw-auth-narrow { grid-template-columns: 1fr; max-width: 440px; }

.rw-auth-main h1 { margin: 0 0 8px; font-size: clamp(1.55rem, 3.4vw, 2rem); color: var(--brand); }
.rw-auth-main .rw-lead { margin-bottom: 22px; font-size: .95rem; }

.rw-form { display: grid; gap: 16px; }

.rw-auth-side {
  padding: 24px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}
.rw-auth-side h2 { margin: 0 0 14px; font-size: 1rem; color: var(--brand); }
.rw-auth-side-note { margin: 14px 0 0; font-size: .84rem; color: var(--ink-3); }

.rw-check-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.rw-check-list li {
  padding-left: 22px;
  position: relative;
  font-size: .88rem;
  color: var(--ink-2);
}
.rw-check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .5em;
  width: 9px;
  height: 9px;
  border-left: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(-45deg);
}
.rw-check-list strong { color: var(--accent); font-variant-numeric: tabular-nums; }

.rw-form-fine { margin: 4px 0 0; font-size: .78rem; color: var(--ink-3); line-height: 1.5; }
.rw-auth-alt { margin: 20px 0 0; font-size: .9rem; color: var(--ink-2); }
.rw-referral-note { margin: 0; padding: 9px 12px; font-size: .84rem; background: var(--accent-bg); border-radius: 8px; color: #14664a; }

.rw-alert {
  margin: 0 0 18px;
  padding: 11px 14px;
  font-size: .9rem;
  color: var(--danger);
  background: var(--danger-bg);
  border: 1px solid #edc8c8;
  border-radius: 8px;
}

.rw-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rw-field-half { max-width: 200px; }

.rw-consent { padding: 12px 14px; background: var(--bg-2); border: 1px solid var(--line); border-radius: 8px; }
.rw-check-line { display: flex; gap: 10px; align-items: flex-start; font-size: .84rem; color: var(--ink-2); cursor: pointer; }
.rw-check-line input { margin-top: 3px; flex: 0 0 auto; }

/* ---------- member dashboard ---------- */

.rw-dash { padding: 40px 0 64px; }

.rw-dash-head {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 26px;
}
.rw-dash-head h1 { margin: 0 0 4px; font-size: clamp(1.5rem, 3.4vw, 2rem); color: var(--brand); }
.rw-dash-actions { display: flex; flex-wrap: wrap; gap: 10px; }

.rw-metrics {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(158px, 1fr));
  gap: 14px;
  margin-bottom: 26px;
}

.rw-metric {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.rw-metric-label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.rw-metric-value {
  font-size: 1.65rem;
  font-weight: 700;
  line-height: 1.2;
  font-variant-numeric: tabular-nums;
  color: var(--brand);
}
.rw-metric-sub { font-size: .76rem; color: var(--ink-3); }

.rw-note {
  padding: 16px 18px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-size: .86rem;
  color: var(--ink-2);
}
.rw-note strong { display: block; margin-bottom: 4px; color: var(--ink); }
.rw-note p { margin: 0 0 8px; }
.rw-note p:last-child { margin-bottom: 0; }
.rw-note-tax { margin-bottom: 26px; background: var(--warn-bg); border-color: #f0d9b5; }
.rw-note-tax strong { color: #7c3d08; }

.rw-dash-grid {
  display: grid;
  grid-template-columns: 1.55fr .85fr;
  gap: 24px;
  align-items: start;
}

.rw-panel {
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}
.rw-panel h2 { margin: 0 0 12px; font-size: 1rem; color: var(--brand); }
.rw-panel-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 12px; }
.rw-panel-head h2 { margin: 0; }
.rw-pill {
  padding: 2px 8px;
  font-size: .74rem;
  font-weight: 700;
  color: var(--ink-2);
  background: var(--bg-3);
  border-radius: 20px;
}
.rw-empty { margin: 0; padding: 18px 0; font-size: .88rem; color: var(--ink-3); }
.rw-side-col { display: grid; gap: 20px; }

.rw-copy { display: flex; gap: 8px; margin-top: 12px; }
.rw-copy input {
  flex: 1 1 auto;
  min-width: 0;
  padding: 9px 11px;
  font-family: var(--mono);
  font-size: .78rem;
  color: var(--ink-2);
  background: var(--bg-2);
  border: 1px solid var(--line-2);
  border-radius: 8px;
}
.rw-ref-code { margin: 10px 0 0; font-size: .82rem; color: var(--ink-2); }
.rw-ref-code strong { font-family: var(--mono); letter-spacing: .06em; }

.rw-red-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.rw-red-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  justify-content: space-between;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}
.rw-red-list li:last-child { padding-bottom: 0; border-bottom: 0; }
.rw-red-list strong { display: block; font-size: .88rem; }
.rw-red-list .rw-muted { font-size: .76rem; }

.rw-status {
  flex: 0 0 auto;
  padding: 2px 8px;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  border-radius: 4px;
}
.rw-status.is-pending   { color: var(--warn);   background: var(--warn-bg); }
.rw-status.is-approved  { color: var(--brand-2); background: #e8f0f9; }
.rw-status.is-fulfilled { color: #14664a;       background: var(--accent-bg); }
.rw-status.is-rejected,
.rw-status.is-cancelled { color: var(--ink-3);  background: var(--bg-3); }

/* ---------- redeem ---------- */

.rw-redeem-form { display: grid; gap: 28px; margin-top: 8px; }

.rw-pick-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(224px, 1fr));
  gap: 14px;
}

.rw-pick {
  position: relative;
  display: block;
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: var(--radius);
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.rw-pick:hover { border-color: var(--brand-2); }
.rw-pick input { position: absolute; opacity: 0; pointer-events: none; }
.rw-pick:has(input:checked) { border-color: var(--brand); box-shadow: 0 0 0 3px rgba(15, 61, 99, .1); }
.rw-pick.is-locked { opacity: .55; cursor: not-allowed; }
.rw-pick-body { display: flex; flex-direction: column; gap: 3px; }
.rw-pick-kind {
  font-size: .66rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.rw-pick-name { font-size: .98rem; color: var(--ink); }
.rw-pick-desc { font-size: .82rem; color: var(--ink-2); }
.rw-pick-cost { margin-top: 8px; font-size: 1.15rem; font-weight: 700; color: var(--brand); font-variant-numeric: tabular-nums; }
.rw-pick-value { font-size: .8rem; font-weight: 600; color: var(--accent); }
.rw-pick-lock { margin-top: 6px; font-size: .78rem; color: var(--ink-3); }

.rw-payout {
  padding: 22px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  display: grid;
  gap: 14px;
}
.rw-payout h2 { margin: 0; font-size: 1rem; color: var(--brand); }

/* ---------- report ---------- */

.rw-report-grid {
  display: grid;
  grid-template-columns: 1.25fr .75fr;
  gap: 32px;
  align-items: start;
}

.rw-report-form {
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.rw-report-side { display: grid; gap: 16px; }
.rw-report-side h2 { margin: 0; font-size: 1rem; color: var(--brand); }
.rw-report-side > p { margin: 0; font-size: .88rem; color: var(--ink-2); }

.rw-reward-callout {
  display: inline-flex;
  align-items: baseline;
  gap: 6px;
  padding: 14px 18px;
  background: var(--accent-bg);
  border: 1px solid #bfe4d6;
  border-radius: var(--radius);
}
.rw-reward-pts { font-size: 1.6rem; font-weight: 700; color: #14664a; font-variant-numeric: tabular-nums; }
.rw-reward-lbl { font-size: .76rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: #14664a; }

.rw-success {
  margin-bottom: 26px;
  padding: 20px 22px;
  background: var(--accent-bg);
  border: 1px solid #bfe4d6;
  border-radius: var(--radius-lg);
}
.rw-success strong { display: block; margin-bottom: 4px; color: #14664a; }
.rw-success p { margin: 0 0 12px; font-size: .9rem; color: #14664a; }
.rw-success p:last-child { margin-bottom: 0; }

/* ==========================================================================
   Rebate-law explainer
   ========================================================================== */

.cl-article { padding: 48px 0 64px; max-width: 900px; }

.cl-head { margin-bottom: 32px; padding-bottom: 26px; border-bottom: 1px solid var(--line); }
.cl-head h1 { margin: 0 0 14px; font-size: clamp(1.7rem, 4vw, 2.4rem); line-height: 1.16; letter-spacing: -.02em; color: var(--brand); }
.cl-standfirst { margin: 0 0 14px; font-size: 1.06rem; color: var(--ink-2); max-width: 70ch; }
.cl-meta { margin: 0; font-size: .8rem; color: var(--ink-3); }

.cl-answer {
  padding: 24px 26px;
  margin-bottom: 36px;
  background: var(--danger-bg);
  border: 1px solid #efcaca;
  border-left: 4px solid var(--danger);
  border-radius: var(--radius);
}
.cl-answer h2 { margin: 0 0 10px; font-size: 1.06rem; color: var(--danger); }
.cl-answer-lead { margin: 0 0 12px; font-size: .95rem; color: #7d2323; font-weight: 600; }
.cl-answer-list { margin: 0; padding-left: 20px; display: grid; gap: 7px; }
.cl-answer-list li { font-size: .9rem; color: #6b2a2a; }

.cl-section { margin-bottom: 40px; }
.cl-section h2 { margin: 0 0 12px; font-size: 1.35rem; color: var(--brand); }
.cl-section > p { margin: 0 0 14px; color: var(--ink-2); max-width: 74ch; }

.cl-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 14px;
  margin-top: 20px;
}
.cl-card { padding: 18px; background: var(--bg-2); border: 1px solid var(--line); border-radius: var(--radius); }
.cl-card h3 { margin: 0 0 6px; font-size: .95rem; color: var(--brand); }
.cl-card p { margin: 0; font-size: .86rem; color: var(--ink-2); }

.cl-exc {
  margin: 20px 0;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: var(--radius);
}
.cl-exc h3 { display: flex; align-items: center; gap: 10px; margin: 0 0 10px; font-size: 1rem; color: var(--ink); }
.cl-exc p { margin: 0 0 10px; font-size: .9rem; color: var(--ink-2); }

.cl-state {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 34px;
  padding: 3px 7px;
  font-family: var(--mono);
  font-size: .74rem;
  font-weight: 700;
  color: #fff;
  background: var(--brand);
  border-radius: 4px;
}

.cl-cite {
  margin: 0;
  font-size: .78rem;
  font-family: var(--mono);
  color: var(--ink-3) !important;
  word-break: break-word;
}

.cl-cond { margin: 10px 0 14px; padding-left: 22px; display: grid; gap: 8px; }
.cl-cond li { font-size: .88rem; color: var(--ink-2); }

.cl-quote {
  margin: 16px 0;
  padding: 16px 20px;
  font-size: .92rem;
  font-style: italic;
  color: var(--ink-2);
  background: var(--bg-3);
  border-left: 3px solid var(--brand-2);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.cl-penalty { margin: 16px 0; padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--radius); }
.cl-penalty h3 { margin: 0 0 6px; font-size: .95rem; color: var(--brand); }
.cl-penalty p { margin: 0; font-size: .88rem; color: var(--ink-2); }

.cl-filter { display: flex; gap: 12px; align-items: center; margin: 18px 0 12px; }
.cl-filter input {
  flex: 1 1 auto;
  min-width: 0;
  padding: 10px 13px;
  font-family: inherit;
  font-size: .92rem;
  border: 1px solid var(--line-2);
  border-radius: 8px;
  background: #fff;
}
.cl-filter input:focus { outline: 0; border-color: var(--brand-2); box-shadow: 0 0 0 3px rgba(24, 95, 165, .12); }
.cl-filter-count { flex: 0 0 auto; font-size: .78rem; color: var(--ink-3); font-variant-numeric: tabular-nums; }

.cl-code { font-family: var(--mono); font-size: .74rem; color: var(--ink-3); }

.cl-badge {
  display: inline-block;
  padding: 2px 8px;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .03em;
  border-radius: 4px;
  white-space: nowrap;
}
.cl-badge.is-prohibited { color: var(--danger); background: var(--danger-bg); }
.cl-badge.is-agent_only { color: var(--warn);   background: var(--warn-bg); }
.cl-badge.is-credit     { color: var(--brand-2); background: #e8f0f9; }

.cl-verified { margin-left: 5px; font-size: .78rem; font-weight: 700; color: var(--accent); }
.cl-cite-cell { font-size: .78rem; color: var(--ink-3); line-height: 1.5; }

.cl-details { margin-top: 5px; }
.cl-details summary {
  font-size: .76rem;
  font-weight: 600;
  color: var(--brand-2);
  cursor: pointer;
  list-style: none;
}
.cl-details summary::-webkit-details-marker { display: none; }
.cl-details summary::before { content: "+ "; }
.cl-details[open] summary::before { content: "\2212 "; }
.cl-details p { margin: 6px 0 0; font-size: .8rem; color: var(--ink-2); line-height: 1.55; }

.cl-alt-cta { margin-top: 18px; }

.cl-faq { display: grid; gap: 10px; }
.cl-faq details {
  padding: 14px 16px;
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.cl-faq summary {
  font-size: .94rem;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
}
.cl-faq summary::-webkit-details-marker { display: none; }
.cl-faq summary::after { content: " +"; color: var(--ink-3); }
.cl-faq details[open] summary::after { content: " \2212"; }
.cl-faq p { margin: 10px 0 0; font-size: .88rem; color: var(--ink-2); }

.cl-foot {
  margin-top: 44px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  font-size: .8rem;
  color: var(--ink-3);
}
.cl-foot p { margin: 0 0 8px; }

/* ==========================================================================
   Responsive: rewards + explainer
   ========================================================================== */

@media (max-width: 900px) {
  .rw-hero { padding: 40px 0 34px; }
  .rw-hero-in { grid-template-columns: 1fr; gap: 28px; }
  .rw-two,
  .rw-dash-grid,
  .rw-report-grid { grid-template-columns: 1fr; gap: 26px; }
  .rw-auth { grid-template-columns: 1fr; max-width: 560px; gap: 26px; }
  .rw-disclosure { grid-template-columns: 1fr; gap: 14px; }
  .rw-steps { grid-template-columns: 1fr; }
  .rw-cta { padding: 30px 22px; }
}

@media (max-width: 640px) {
  .rw-hero-copy h1 { font-size: 1.75rem; }
  .rw-hero-actions .btn { flex: 1 1 100%; justify-content: center; }
  .rw-hero-card { padding: 20px; }
  .rw-section { padding-top: 32px; }
  .rw-h2 { font-size: 1.22rem; }
  .rw-lead { font-size: .94rem; }
  .rw-dash { padding: 28px 0 48px; }
  .rw-dash-actions { width: 100%; }
  .rw-dash-actions .btn { flex: 1 1 auto; justify-content: center; }
  .rw-metrics { grid-template-columns: 1fr 1fr; gap: 10px; }
  .rw-metric { padding: 14px; }
  .rw-metric-value { font-size: 1.32rem; }
  .rw-form-row { grid-template-columns: 1fr; }
  .rw-field-half { max-width: none; }
  .rw-panel, .rw-report-form, .rw-payout, .rw-auth-side { padding: 16px; }
  .rw-cards, .rw-pick-grid { grid-template-columns: 1fr; }
  .rw-cta-actions .btn { flex: 1 1 100%; justify-content: center; }
  .rw-copy { flex-wrap: wrap; }
  .rw-copy .btn { flex: 1 1 auto; justify-content: center; }
  .cl-article { padding: 30px 0 48px; }
  .cl-answer { padding: 18px; }

  /* Tables fold into stacked cards. */
  .rw-table-wrap { border: 0; border-radius: 0; overflow: visible; }
  .rw-table thead { display: none; }
  .rw-table, .rw-table tbody, .rw-table tr, .rw-table td { display: block; width: 100%; }
  .rw-table tr {
    margin-bottom: 10px;
    padding: 12px 14px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
  }
  .rw-table td {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 14px;
    padding: 4px 0;
    border: 0;
    text-align: left;
  }
  .rw-table td.num { text-align: right; }
  .rw-table td::before {
    content: attr(data-l);
    flex: 0 0 auto;
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: var(--ink-3);
  }
  .rw-table td:not([data-l])::before { content: ""; }
  .cl-table tr { padding: 12px; }
  .cl-cite-cell { display: block; }
  .cl-cite-cell::before { display: block; margin-bottom: 3px; }
}

@media (max-width: 380px) {
  .rw-metrics { grid-template-columns: 1fr; }
  .rw-hero-copy h1 { font-size: 1.55rem; }
}

/* Header account / join chip */
.header-account {
  display: inline-flex;
  align-items: center;
  padding: 7px 13px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--brand);
  background: var(--bg-3);
  border-radius: 20px;
  white-space: nowrap;
}
.header-account:hover { background: #e3eaf1; text-decoration: none; }

@media (max-width: 640px) {
  .header-account { display: none; }
}

/* Email confirmation banner on the member dashboard */
.rw-verify-banner {
  margin-bottom: 24px;
  background: var(--warn-bg);
  border-color: #f0d9b5;
}
.rw-verify-banner strong { color: #7c3d08; }
.rw-verify-banner p { color: #6b4319; margin: 0 0 12px; }
.rw-verify-banner .btn { background: #fff; }