/* ============================================================
   Fates Financial — "Open Doors"
   Warm editorial fintech: cream paper, evergreen ink, marigold.
   Type: Fraunces (display serif) + Instrument Sans (body).
   ============================================================ */

:root {
  --paper: #FAF5EC;
  --paper-deep: #F3EBDC;
  --card: #FFFDF8;
  --ink: #14342B;
  --ink-soft: #48645B;
  --ink-faint: #7C918A;
  --evergreen: #1C4437;
  --evergreen-deep: #0F2A22;
  --marigold: #E9A13B;
  --marigold-soft: #F5C878;
  --clay: #D96C47;
  --sage: #C9DCD3;
  --line: rgba(20, 52, 43, 0.14);

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Instrument Sans", -apple-system, sans-serif;

  --radius: 20px;
  --arch: 999px 999px 20px 20px;
  --shadow-soft: 0 2px 8px rgba(20, 52, 43, 0.06), 0 16px 40px rgba(20, 52, 43, 0.08);
  --shadow-lift: 0 4px 12px rgba(20, 52, 43, 0.08), 0 24px 56px rgba(20, 52, 43, 0.14);
  --container: 1160px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* Grain overlay for paper warmth */
body::after {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 999;
  opacity: 0.035;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E");
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(20px, 4vw, 40px);
}

/* ---------- Type ---------- */
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.08; letter-spacing: -0.015em; }

h2 { font-size: clamp(2rem, 4.4vw, 3.25rem); }
h2 em, h1 em { font-style: italic; font-weight: 500; color: var(--clay); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--evergreen);
  margin-bottom: 18px;
}
.eyebrow--gold { color: var(--marigold); }

.section__sub {
  color: var(--ink-soft);
  font-size: 1.08rem;
  max-width: 560px;
  margin: 18px auto 0;
}

.section__head { text-align: center; max-width: 720px; margin: 0 auto 64px; }
.section__head--left { text-align: left; margin: 0 0 40px; }
.section__head--left .section__sub { margin-left: 0; }

.section { padding: clamp(80px, 10vw, 130px) 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.25s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease;
  white-space: nowrap;
}
.btn--sm { padding: 10px 22px; font-size: 0.92rem; }
.btn--lg { padding: 16px 32px; font-size: 1.05rem; }
.btn--primary {
  background: var(--evergreen);
  color: var(--paper);
  box-shadow: 0 6px 20px rgba(20, 52, 43, 0.25);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(20, 52, 43, 0.3); background: var(--evergreen-deep); }
.btn--ghost { border-color: var(--line); color: var(--ink); background: transparent; }
.btn--ghost:hover { transform: translateY(-2px); border-color: var(--ink); }
.btn--gold {
  background: var(--marigold);
  color: var(--evergreen-deep);
  box-shadow: 0 8px 24px rgba(233, 161, 59, 0.35);
}
.btn--gold:hover { transform: translateY(-2px) scale(1.02); background: var(--marigold-soft); }

/* ---------- Nav ---------- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  transition: background 0.3s ease, box-shadow 0.3s ease, backdrop-filter 0.3s ease;
}
.nav.is-scrolled {
  background: rgba(250, 245, 236, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 var(--line);
}
.nav__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 18px clamp(20px, 4vw, 40px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav__logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--ink);
}
.nav__logo em { font-style: italic; font-weight: 400; color: var(--clay); margin-left: 2px; }
.nav__arch { width: 26px; height: 26px; color: var(--evergreen); }
.nav__links { display: flex; gap: clamp(18px, 3vw, 36px); }
.nav__links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink-soft);
  position: relative;
  transition: color 0.2s ease;
}
.nav__links a::after {
  content: "";
  position: absolute;
  left: 0; bottom: -6px;
  width: 100%; height: 2px;
  background: var(--marigold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}
.nav__links a:hover { color: var(--ink); }
.nav__links a:hover::after { transform: scaleX(1); }
.nav__actions { display: flex; align-items: center; gap: 20px; }
.nav__login { font-size: 0.95rem; font-weight: 600; color: var(--ink-soft); }
.nav__login:hover { color: var(--ink); }

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 6px;
  background: none;
  border: 0;
  cursor: pointer;
  padding: 8px;
}
.nav__toggle span { width: 24px; height: 2px; background: var(--ink); transition: transform 0.3s ease, opacity 0.3s ease; }
.nav__mobile { display: none; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: clamp(130px, 16vh, 190px) 0 0;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(233, 161, 59, 0.16), transparent 65%),
    radial-gradient(700px 480px at -10% 30%, rgba(201, 220, 211, 0.5), transparent 60%),
    var(--paper);
  overflow: hidden;
}
.hero__inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(20px, 4vw, 40px);
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
.hero__badge {
  background: rgba(20, 52, 43, 0.06);
  border: 1px solid var(--line);
  padding: 8px 16px;
  border-radius: 999px;
  animation: rise 0.7s 0.05s cubic-bezier(0.22, 1, 0.36, 1) both;
}
.pulse-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--clay);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(217, 108, 71, 0.45); }
  50% { box-shadow: 0 0 0 7px rgba(217, 108, 71, 0); }
}
.hero__title {
  font-size: clamp(2.7rem, 6.2vw, 4.9rem);
  font-weight: 600;
  margin: 8px 0 26px;
}
.hero__line { display: block; animation: rise 0.8s cubic-bezier(0.22, 1, 0.36, 1) both; }
.hero__line:nth-child(1) { animation-delay: 0.12s; }
.hero__line:nth-child(2) { animation-delay: 0.24s; }
.hero__line:nth-child(3) { animation-delay: 0.36s; }
.hero__line--accent {
  font-style: italic;
  font-weight: 500;
  color: var(--clay);
  position: relative;
}
.hero__sub {
  font-size: 1.14rem;
  color: var(--ink-soft);
  max-width: 520px;
  margin-bottom: 34px;
  animation: rise 0.8s 0.46s cubic-bezier(0.22, 1, 0.36, 1) both;
}
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; animation: rise 0.8s 0.56s cubic-bezier(0.22, 1, 0.36, 1) both; }
.hero__ticks {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  margin-top: 30px;
  animation: rise 0.8s 0.68s cubic-bezier(0.22, 1, 0.36, 1) both;
}
.hero__ticks li {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--ink-faint);
  display: flex;
  align-items: center;
  gap: 7px;
}
.hero__ticks li::before {
  content: "✓";
  color: var(--marigold);
  font-weight: 700;
}
@keyframes rise {
  from { opacity: 0; transform: translateY(26px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Hero doors — arched cards */
.hero__doors {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  align-items: end;
}
.door {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--arch);
  box-shadow: var(--shadow-soft);
  padding: clamp(28px, 3vw, 44px) 16px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  animation: doorRise 0.9s cubic-bezier(0.22, 1, 0.36, 1) both;
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.35s ease;
}
.door:hover { transform: translateY(-8px); box-shadow: var(--shadow-lift); }
.door--1 { animation-delay: 0.35s; background: linear-gradient(180deg, #FFFDF8, #F8EEDC); }
.door--2 { animation-delay: 0.5s; margin-top: 34px; background: linear-gradient(180deg, #FFFDF8, #E7F0EA); }
.door--3 { animation-delay: 0.65s; margin-top: -18px; background: linear-gradient(180deg, #FFFDF8, #FBE7DC); }
.door--4 { animation-delay: 0.8s; margin-top: 16px; background: linear-gradient(180deg, #FFFDF8, #EDEAF7); }
.door__glyph { font-size: clamp(1.9rem, 3vw, 2.6rem); }
.door__label {
  font-family: var(--font-display);
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--ink);
}
@keyframes doorRise {
  from { opacity: 0; transform: translateY(46px) scale(0.96); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

/* Marquee */
.marquee {
  margin-top: clamp(56px, 8vw, 96px);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--evergreen-deep);
  color: var(--paper);
  overflow: hidden;
  padding: 14px 0;
}
.marquee__track {
  display: flex;
  align-items: center;
  gap: 28px;
  width: max-content;
  animation: marquee 32s linear infinite;
}
.marquee__track span {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.02rem;
  white-space: nowrap;
}
.marquee__track i { color: var(--marigold); font-style: normal; font-size: 0.8rem; }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ---------- Reveal on scroll ---------- */
.reveal {
  opacity: 0;
  transform: translateY(34px);
  transition: opacity 0.8s cubic-bezier(0.22, 1, 0.36, 1), transform 0.8s cubic-bezier(0.22, 1, 0.36, 1);
  transition-delay: var(--d, 0s);
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ---------- Paths ---------- */
.paths { background: var(--paper); }
.paths__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.path-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 26px 32px;
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.35s ease, border-color 0.35s ease;
}
.path-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lift);
  border-color: rgba(233, 161, 59, 0.5);
}
.path-card__arch {
  width: 74px;
  height: 88px;
  border-radius: 999px 999px 12px 12px;
  background: linear-gradient(180deg, var(--sage), rgba(201, 220, 211, 0.35));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.9rem;
  margin-bottom: 22px;
  transition: background 0.35s ease, transform 0.35s ease;
}
.path-card:hover .path-card__arch {
  background: linear-gradient(180deg, var(--marigold-soft), rgba(233, 161, 59, 0.28));
  transform: scale(1.06) rotate(-2deg);
}
.path-card h3 { font-size: 1.28rem; margin-bottom: 10px; }
.path-card p { color: var(--ink-soft); font-size: 0.96rem; }

/* ---------- Features (dark) ---------- */
.features {
  background:
    radial-gradient(800px 460px at 90% 0%, rgba(233, 161, 59, 0.12), transparent 60%),
    radial-gradient(700px 500px at 0% 100%, rgba(217, 108, 71, 0.1), transparent 60%),
    var(--evergreen-deep);
  color: var(--paper);
  border-radius: clamp(28px, 4vw, 56px);
  margin: 0 clamp(10px, 1.6vw, 24px);
}
.section__head--light h2 { color: var(--paper); }
.section__head--light h2 em { color: var(--marigold); }
.section__head--light .section__sub { color: rgba(250, 245, 236, 0.68); }
.features__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(250, 245, 236, 0.12);
  border: 1px solid rgba(250, 245, 236, 0.12);
  border-radius: var(--radius);
  overflow: hidden;
}
.feature {
  background: var(--evergreen-deep);
  padding: 34px 28px 38px;
  transition: background 0.35s ease;
  position: relative;
}
.feature:hover { background: var(--evergreen); }
.feature__num {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--marigold);
  font-size: 1rem;
  display: block;
  margin-bottom: 40px;
  transition: transform 0.3s ease;
}
.feature:hover .feature__num { transform: translateX(4px) scale(1.15); }
.feature h3 { font-size: 1.16rem; margin-bottom: 12px; line-height: 1.25; }
.feature p { font-size: 0.9rem; color: rgba(250, 245, 236, 0.62); }

/* ---------- Dashboard ---------- */
.dashboard { background: var(--paper); overflow: hidden; }
.dashboard__inner {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
.dashboard__copy .section__sub { margin-left: 0; }
.dashboard__list { margin-top: 36px; display: grid; gap: 22px; }
.dashboard__list li {
  display: grid;
  gap: 4px;
  padding-left: 22px;
  border-left: 3px solid var(--marigold);
}
.dashboard__list strong { font-family: var(--font-display); font-size: 1.12rem; font-weight: 600; }
.dashboard__list span { color: var(--ink-soft); font-size: 0.95rem; }

.dashboard__mock { position: relative; }
.mock {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-lift);
  overflow: hidden;
  transform: rotate(1.2deg);
  transition: transform 0.5s cubic-bezier(0.22, 1, 0.36, 1);
}
.dashboard__mock:hover .mock { transform: rotate(0deg) scale(1.01); }
.mock__bar {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 13px 18px;
  border-bottom: 1px solid var(--line);
  background: var(--paper-deep);
}
.mock__bar i { width: 10px; height: 10px; border-radius: 50%; background: var(--line); }
.mock__bar i:nth-child(1) { background: #E8907C; }
.mock__bar i:nth-child(2) { background: var(--marigold-soft); }
.mock__bar i:nth-child(3) { background: #A8C8B8; }
.mock__url {
  margin-left: 12px;
  font-size: 0.72rem;
  color: var(--ink-faint);
  background: var(--card);
  border: 1px solid var(--line);
  padding: 3px 14px;
  border-radius: 999px;
}
.mock__body { padding: 26px 26px 30px; }
.mock__head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; }
.mock__label { font-size: 0.82rem; font-weight: 600; color: var(--ink-faint); text-transform: uppercase; letter-spacing: 0.08em; }
.mock__balance { font-family: var(--font-display); font-size: 2.5rem; font-weight: 600; line-height: 1.1; }
.mock__delta { font-size: 0.85rem; font-weight: 600; color: #2E7D5B; }
.mock__chip {
  background: rgba(46, 125, 91, 0.12);
  color: #2E7D5B;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: 999px;
}
.mock__chart {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  height: 130px;
  margin-bottom: 24px;
  padding-bottom: 4px;
  border-bottom: 1px solid var(--line);
}
.mock__col {
  flex: 1;
  height: var(--h);
  border-radius: 6px 6px 2px 2px;
  background: linear-gradient(180deg, var(--sage), rgba(201, 220, 211, 0.4));
  transform-origin: bottom;
  transform: scaleY(0);
  transition: transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.dashboard__mock.is-visible .mock__col { transform: scaleY(1); }
.dashboard__mock.is-visible .mock__col:nth-child(2) { transition-delay: 0.06s; }
.dashboard__mock.is-visible .mock__col:nth-child(3) { transition-delay: 0.12s; }
.dashboard__mock.is-visible .mock__col:nth-child(4) { transition-delay: 0.18s; }
.dashboard__mock.is-visible .mock__col:nth-child(5) { transition-delay: 0.24s; }
.dashboard__mock.is-visible .mock__col:nth-child(6) { transition-delay: 0.3s; }
.dashboard__mock.is-visible .mock__col:nth-child(7) { transition-delay: 0.36s; }
.dashboard__mock.is-visible .mock__col:nth-child(8) { transition-delay: 0.42s; }
.dashboard__mock.is-visible .mock__col:nth-child(9) { transition-delay: 0.48s; }
.dashboard__mock.is-visible .mock__col:nth-child(10) { transition-delay: 0.54s; }
.mock__col--live { background: linear-gradient(180deg, var(--marigold), var(--marigold-soft)); }
.mock__rows { display: grid; gap: 12px; }
.mock__row {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--ink-soft);
}
.mock__row strong { color: var(--ink); margin-left: auto; }
.mock__row em { font-style: normal; font-size: 0.76rem; color: var(--ink-faint); width: 52px; text-align: right; }
.mock__dot { width: 9px; height: 9px; border-radius: 50%; background: var(--sage); flex-shrink: 0; }
.mock__dot--gold { background: var(--marigold); }
.mock__dot--clay { background: var(--clay); }

.mock-float {
  position: absolute;
  background: var(--card);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-soft);
  border-radius: 999px;
  padding: 10px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  animation: float 5s ease-in-out infinite;
}
.mock-float--gift { top: -18px; right: -8px; animation-delay: 0.6s; }
.mock-float--goal { bottom: -14px; left: -14px; }
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-9px); }
}

/* ---------- Expenses ---------- */
.expenses { background: var(--paper-deep); border-radius: clamp(28px, 4vw, 56px); margin: 0 clamp(10px, 1.6vw, 24px); }
.expenses__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.expense {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 26px 28px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.expense:hover { transform: translateY(-5px); box-shadow: var(--shadow-soft); }
.expense__icon {
  font-size: 1.5rem;
  background: var(--paper-deep);
  width: 54px; height: 54px;
  border-radius: 999px 999px 8px 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.expense h3 { font-size: 1.1rem; margin-bottom: 6px; }
.expense p { font-size: 0.9rem; color: var(--ink-soft); }

/* ---------- Compare ---------- */
.compare__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: stretch;
}
.compare-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 38px 32px;
  position: relative;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.compare-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-soft); }
.compare-card__icon { font-size: 2rem; display: block; margin-bottom: 16px; }
.compare-card h3 { font-size: 1.4rem; margin-bottom: 4px; }
.compare-card__tag {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-faint);
  margin-bottom: 24px;
}
.compare-card ul { display: grid; gap: 12px; }
.compare-card li {
  display: flex;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--ink-soft);
}
.compare-card li::before { font-weight: 700; flex-shrink: 0; }
.compare-card li.yes::before { content: "✓"; color: #2E7D5B; }
.compare-card li.no::before { content: "✕"; color: var(--clay); }

.compare-card--winner {
  background: var(--evergreen-deep);
  color: var(--paper);
  border-color: var(--evergreen-deep);
  transform: scale(1.04);
  box-shadow: var(--shadow-lift);
}
.compare-card--winner:hover { transform: scale(1.04) translateY(-6px); }
.compare-card--winner h3 { color: var(--paper); }
.compare-card--winner .compare-card__tag { color: var(--marigold); }
.compare-card--winner li { color: rgba(250, 245, 236, 0.78); }
.compare-card--winner li.yes::before { color: var(--marigold); }
.compare-card__ribbon {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--marigold);
  color: var(--evergreen-deep);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 7px 18px;
  border-radius: 999px;
  white-space: nowrap;
  box-shadow: 0 6px 16px rgba(233, 161, 59, 0.4);
}

/* ---------- Why ---------- */
.why { background: var(--paper); }
.why__inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(40px, 6vw, 90px);
  align-items: start;
}
.why__copy h2 { margin-bottom: 24px; }
.why__copy p { color: var(--ink-soft); margin-bottom: 18px; max-width: 520px; }
.why__note {
  border-left: 3px solid var(--marigold);
  padding-left: 20px;
  font-size: 0.95rem;
}
.why__facts { display: grid; gap: 0; border-top: 1px solid var(--line); margin-top: 12px; }
.why__facts li {
  display: flex;
  align-items: baseline;
  gap: 22px;
  padding: 22px 4px;
  border-bottom: 1px solid var(--line);
  font-family: var(--font-display);
  font-size: 1.14rem;
  font-weight: 500;
  line-height: 1.35;
  transition: padding-left 0.3s ease, background 0.3s ease;
}
.why__facts li:hover { padding-left: 14px; background: rgba(233, 161, 59, 0.05); }
.why__facts span {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 0.9rem;
  color: var(--marigold);
  flex-shrink: 0;
}

/* ---------- FAQ ---------- */
.faq { background: var(--paper-deep); border-radius: clamp(28px, 4vw, 56px); margin: 0 clamp(10px, 1.6vw, 24px); }
.faq__inner {
  display: grid;
  grid-template-columns: 0.75fr 1.25fr;
  gap: clamp(36px, 5vw, 72px);
  align-items: start;
}
.faq__list { display: grid; gap: 12px; }
.faq__item {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 16px;
  overflow: hidden;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.faq__item[open] { border-color: rgba(233, 161, 59, 0.55); box-shadow: var(--shadow-soft); }
.faq__item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  transition: color 0.2s ease;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary:hover { color: var(--evergreen); }
.faq__mark {
  position: relative;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--paper-deep);
  flex-shrink: 0;
  transition: background 0.25s ease, transform 0.3s ease;
}
.faq__mark::before, .faq__mark::after {
  content: "";
  position: absolute;
  top: 50%; left: 50%;
  width: 10px; height: 2px;
  background: var(--ink);
  transform: translate(-50%, -50%);
  transition: transform 0.3s ease;
}
.faq__mark::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq__item[open] .faq__mark { background: var(--marigold); transform: rotate(180deg); }
.faq__item[open] .faq__mark::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq__item p {
  padding: 0 24px 22px;
  color: var(--ink-soft);
  font-size: 0.98rem;
  max-width: 640px;
}

/* ---------- CTA ---------- */
.cta {
  position: relative;
  margin-top: clamp(80px, 10vw, 130px);
  padding: clamp(90px, 12vw, 150px) 0 clamp(80px, 10vw, 120px);
  background:
    radial-gradient(700px 400px at 50% 0%, rgba(233, 161, 59, 0.2), transparent 65%),
    var(--evergreen-deep);
  color: var(--paper);
  text-align: center;
  overflow: hidden;
}
.cta__arch {
  position: absolute;
  top: -1px;
  left: 50%;
  transform: translateX(-50%);
  width: min(88vw, 860px);
  height: clamp(60px, 9vw, 110px);
  background: var(--paper);
  border-radius: 0 0 999px 999px;
}
.cta h2 { font-size: clamp(2.3rem, 5.4vw, 4rem); margin-bottom: 22px; }
.cta h2 em { color: var(--marigold); }
.cta p {
  color: rgba(250, 245, 236, 0.72);
  max-width: 540px;
  margin: 0 auto 38px;
  font-size: 1.1rem;
}
.cta__ticks {
  display: flex;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 34px;
}
.cta__ticks li {
  font-size: 0.88rem;
  color: rgba(250, 245, 236, 0.6);
  display: flex;
  align-items: center;
  gap: 7px;
}
.cta__ticks li::before { content: "✓"; color: var(--marigold); font-weight: 700; }

/* ---------- Footer ---------- */
.footer {
  background: var(--evergreen-deep);
  color: rgba(250, 245, 236, 0.65);
  padding: clamp(60px, 8vw, 90px) 0 40px;
  border-top: 1px solid rgba(250, 245, 236, 0.12);
}
.footer__top {
  display: grid;
  grid-template-columns: 1.2fr 1.8fr;
  gap: clamp(36px, 6vw, 80px);
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(250, 245, 236, 0.12);
}
.nav__logo--footer { color: var(--paper); margin-bottom: 18px; }
.nav__logo--footer .nav__arch { color: var(--marigold); }
.footer__brand p { font-size: 0.95rem; max-width: 340px; margin-bottom: 16px; }
.footer__mail { color: var(--marigold); font-weight: 600; font-size: 0.95rem; }
.footer__mail:hover { text-decoration: underline; }
.footer__nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.footer__nav h4 {
  font-family: var(--font-display);
  color: var(--paper);
  font-size: 1rem;
  margin-bottom: 16px;
}
.footer__nav a {
  display: block;
  font-size: 0.92rem;
  padding: 5px 0;
  transition: color 0.2s ease;
}
.footer__nav a:hover { color: var(--paper); }

.footer__disclosures { padding: 40px 0; border-bottom: 1px solid rgba(250, 245, 236, 0.12); }
.footer__disclosures h4 {
  font-family: var(--font-display);
  color: var(--paper);
  font-size: 1rem;
  margin-bottom: 14px;
}
.footer__disclosures p { font-size: 0.78rem; line-height: 1.65; margin-bottom: 12px; color: rgba(250, 245, 236, 0.45); }
.footer__fdic { font-weight: 600; letter-spacing: 0.02em; }

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  padding-top: 32px;
  font-size: 0.82rem;
}
.footer__bottom a { margin-left: 20px; transition: color 0.2s ease; }
.footer__bottom a:hover { color: var(--paper); }

/* ---------- Responsive ---------- */
@media (max-width: 1020px) {
  .paths__grid { grid-template-columns: repeat(2, 1fr); }
  .features__grid { grid-template-columns: repeat(2, 1fr); }
  .expenses__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  .nav__links, .nav__actions { display: none; }
  .nav__toggle { display: flex; }
  .nav { background: rgba(250, 245, 236, 0.92); backdrop-filter: blur(14px); }
  .nav__mobile {
    display: none;
    flex-direction: column;
    gap: 4px;
    padding: 10px clamp(20px, 4vw, 40px) 26px;
    border-bottom: 1px solid var(--line);
    background: rgba(250, 245, 236, 0.97);
  }
  .nav__mobile.is-open { display: flex; }
  .nav__mobile a { padding: 12px 0; font-weight: 600; font-size: 1.05rem; }
  .nav__mobile .btn { margin-top: 12px; }
  .nav.is-open .nav__toggle span:nth-child(1) { transform: translateY(4px) rotate(45deg); }
  .nav.is-open .nav__toggle span:nth-child(2) { transform: translateY(-4px) rotate(-45deg); }

  .hero__inner { grid-template-columns: 1fr; }
  .hero__doors { max-width: 460px; }
  .door--2, .door--3, .door--4 { margin-top: 0; }
  .door--1, .door--3 { margin-top: 20px; }

  .dashboard__inner { grid-template-columns: 1fr; }
  .why__inner { grid-template-columns: 1fr; }
  .faq__inner { grid-template-columns: 1fr; }
  .compare__grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .compare-card--winner { transform: none; }
  .compare-card--winner:hover { transform: translateY(-6px); }
  .footer__top { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .paths__grid { grid-template-columns: 1fr; }
  .features__grid { grid-template-columns: 1fr; }
  .expenses__grid { grid-template-columns: 1fr; }
  .footer__nav { grid-template-columns: repeat(2, 1fr); }
  .hero__actions .btn { width: 100%; }
  .mock-float--gift { right: 4px; }
  .mock-float--goal { left: 4px; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001s !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001s !important;
  }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
  .mock__col { transform: scaleY(1); }
}