:root {
    --navy-900: #0A1633;
    --navy-800: #0F2145;
    --navy-700: #152D5E;
    --navy-600: #1E3A8A;
    --blue-700: #005FBE;
    --blue-600: #0066D6;
    --blue-500: #0088FE;
    --blue-400: #25A1FF;
    --blue-300: #60B8FF;
    --blue-200: #A7D4FF;
    --blue-100: #E8F2FF;
    --blue-50: #F2F8FF;
    --gray-900: #0B1220;
    --gray-800: #1F2937;
    --gray-700: #374151;
    --gray-600: #4B5563;
    --gray-500: #6B7280;
    --gray-400: #9CA3AF;
    --gray-300: #D1D5DB;
    --gray-200: #E5E7EB;
    --gray-100: #F3F4F6;
    --gray-50: #F9FAFB;
    --white: #FFFFFF;
    --green-600: #059669;
    --green-500: #10B981;
    --green-100: #D1FAE5;
    --amber-500: #F59E0B;
    --amber-100: #FEF3C7;
    --rose-500: #F43F5E;
    --purple-500: #8B5CF6;
    --shadow-xs: 0 1px 2px rgba(10, 22, 51, 0.04);
    --shadow-sm: 0 1px 2px rgba(10, 22, 51, 0.05), 0 1px 3px rgba(10, 22, 51, 0.08);
    --shadow-md: 0 4px 6px -1px rgba(10, 22, 51, 0.08), 0 2px 4px -1px rgba(10, 22, 51, 0.05);
    --shadow-lg: 0 10px 15px -3px rgba(10, 22, 51, 0.1), 0 4px 6px -2px rgba(10, 22, 51, 0.04);
    --shadow-xl: 0 20px 25px -5px rgba(10, 22, 51, 0.12), 0 10px 10px -5px rgba(10, 22, 51, 0.05);
    --shadow-2xl: 0 25px 50px -12px rgba(10, 22, 51, 0.25);
    --radius-xs: 4px;
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 14px;
    --radius-xl: 18px;
    --radius-2xl: 24px;
    --radius-3xl: 32px;
    --ease: cubic-bezier(0.4, 0, 0.2, 1);
    --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

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

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--gray-900);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input { font-family: inherit; }

body[data-fs="0.9"] { font-size: 14.4px; }
body[data-fs="1.15"] { font-size: 18.4px; }
body[data-fs="1.3"] { font-size: 20.8px; }

body[data-contrast="dark"] {
    --white: #0B1220;
    --gray-50: #0F1829;
    --gray-100: #152138;
    --gray-200: #1F2E4D;
    --gray-300: #2F4371;
    --gray-900: #FFFFFF;
    --gray-800: #F3F4F6;
    --gray-700: #E5E7EB;
    --gray-600: #D1D5DB;
    --gray-500: #9CA3AF;
    --navy-900: #050B1A;
    --navy-800: #0A1633;
    --blue-50: #071a33;
    --blue-100: #0e2547;
    background: var(--white);
}
body[data-contrast="high"] {
    --navy-900: #000;
    --navy-800: #000;
    --navy-700: #000;
    --gray-900: #000;
    --gray-800: #000;
    --gray-700: #000;
    --blue-500: #0057FF;
    --blue-600: #003FBD;
    --gray-50: #FFF;
    --gray-100: #FFF;
    --gray-200: #000;
    --gray-300: #000;
    background: #FFF;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 32px;
}

.text-gradient {
    background: linear-gradient(135deg, var(--blue-500) 0%, var(--navy-600) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.eyebrow {
    display: inline-block;
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue-600);
    padding: 6px 14px;
    background: var(--blue-50);
    border-radius: 999px;
    margin-bottom: 18px;
}
.eyebrow.light {
    color: var(--blue-300);
    background: rgba(0, 136, 254, 0.12);
}

.section {
    padding: 100px 0;
    position: relative;
}
.section-head {
    max-width: 760px;
    margin: 0 auto 56px;
    text-align: center;
}
.section-title {
    font-size: clamp(30px, 3.8vw, 46px);
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin-bottom: 16px;
}
.section-sub {
    font-size: 17px;
    color: var(--gray-600);
    line-height: 1.65;
}

.btn-primary, .btn-outline, .btn-light, .btn-white, .btn-outline-light {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-weight: 600;
    font-family: inherit;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all 0.2s var(--ease);
    white-space: nowrap;
}

.btn-primary {
    background: var(--navy-900);
    color: var(--white);
    padding: 11px 22px;
    font-size: 14.5px;
    box-shadow: var(--shadow-sm);
}
.btn-primary:hover {
    background: var(--blue-600);
    transform: translateY(-1px);
    box-shadow: var(--shadow-lg);
}
.btn-primary.btn-lg,
.btn-outline.btn-lg,
.btn-light.btn-lg,
.btn-white.btn-lg,
.btn-outline-light.btn-lg {
    padding: 14px 28px;
    font-size: 15.5px;
    border-radius: 12px;
}

.btn-outline {
    background: transparent;
    color: var(--navy-900);
    padding: 10px 22px;
    font-size: 14.5px;
    border: 1.5px solid var(--gray-300);
}
.btn-outline:hover {
    border-color: var(--navy-900);
    background: var(--gray-50);
    transform: translateY(-1px);
}

.btn-light {
    background: var(--white);
    color: var(--navy-900);
    padding: 15px 28px;
    font-size: 15.5px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}
.btn-light:hover {
    background: var(--blue-50);
    transform: translateY(-1px);
}

.btn-white {
    background: var(--white);
    color: var(--navy-900);
    padding: 15px 28px;
    font-size: 15.5px;
    border-radius: 12px;
    box-shadow: var(--shadow-md);
}
.btn-white:hover {
    background: var(--blue-50);
    transform: translateY(-1px);
}

.btn-outline-light {
    background: transparent;
    color: var(--white);
    padding: 13px 28px;
    font-size: 15.5px;
    border: 1.5px solid rgba(255,255,255,0.35);
    border-radius: 12px;
}
.btn-outline-light:hover {
    background: rgba(255,255,255,0.08);
    border-color: var(--white);
    transform: translateY(-1px);
}

.arrow { transition: transform 0.2s var(--ease); display: inline-block; }
.btn-primary:hover .arrow { transform: translateX(4px); }

/* ============== UTILITY BAR ============== */
.utility-bar {
    background: var(--navy-900);
    color: rgba(255,255,255,0.85);
    font-size: 12.5px;
}
.utility-inner {
    height: 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}
.utility-left, .utility-right {
    display: flex;
    align-items: center;
    gap: 6px;
    flex-wrap: wrap;
}
.utl-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 4px 10px;
    border-radius: 6px;
    color: rgba(255,255,255,0.82);
    font-weight: 500;
    transition: all 0.15s;
}
.utl-link:hover { background: rgba(255,255,255,0.08); color: var(--white); }
.utl-ic { font-size: 13px; }
.utl-divider {
    width: 1px; height: 14px;
    background: rgba(255,255,255,0.15);
    margin: 0 6px;
}
.utl-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 4px 10px;
    border-radius: 6px;
    color: rgba(255,255,255,0.82);
    font-weight: 600;
    font-size: 12.5px;
}
.utl-btn:hover { background: rgba(255,255,255,0.08); color: var(--white); }
.utl-btn span {
    font-weight: 800;
    font-size: 13px;
    color: var(--white);
}

/* ============== NAVBAR ============== */
.navbar {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: saturate(180%) blur(20px);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    border-bottom: 1px solid transparent;
    transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.navbar.scrolled {
    border-bottom-color: var(--gray-200);
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 32px;
    height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.logo-img { height: 52px; width: auto; }

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2px;
    flex: 1;
    justify-content: center;
    position: relative;
}

.nav-item { }

.nav-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 10px 16px;
    font-size: 14.5px;
    font-weight: 600;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    transition: all 0.18s var(--ease);
}
.nav-link:hover { color: var(--navy-900); background: var(--blue-50); }
.chev { font-size: 11px; opacity: 0.7; }

/* ============== MEGA MENU ============== */
.mega-menu {
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    right: auto;
    transform: translateY(8px);
    width: min(920px, 100%);
    max-width: 920px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 24px;
    box-shadow: var(--shadow-2xl);
    opacity: 0;
    visibility: hidden;
    transition: all 0.22s var(--ease-out);
    z-index: 200;
}
.has-mega:hover .mega-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.mega-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr 1.15fr;
    gap: 20px;
}
.mega-col h5 {
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray-500);
    padding: 4px 10px 10px;
}
.mega-col > a {
    display: block;
    padding: 12px 10px;
    border-radius: 12px;
    transition: background 0.15s;
}
.mega-col > a:hover { background: var(--blue-50); }
.mega-col > a strong {
    display: block;
    font-size: 14px;
    color: var(--navy-900);
    font-weight: 700;
    line-height: 1.35;
    margin-bottom: 3px;
}
.mega-col > a p {
    font-size: 12.5px;
    color: var(--gray-500);
    line-height: 1.45;
    margin: 0;
}

.mega-promo { padding-left: 8px; border-left: 1px solid var(--gray-100); }
.mega-promo-card {
    background: linear-gradient(180deg, #F2F8FF 0%, #E8F2FF 100%);
    border-radius: 16px;
    padding: 22px 20px;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
}
.mega-promo-card.navy {
    background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-700) 100%);
    color: var(--white);
}
.mp-badge {
    display: inline-block;
    font-size: 10.5px;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: 999px;
    background: var(--blue-500);
    color: var(--white);
    margin-bottom: 12px;
    align-self: flex-start;
}
.mega-promo-card.navy .mp-badge {
    background: var(--white);
    color: var(--navy-900);
}
.mp-title {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    line-height: 1.2;
    margin-bottom: 6px;
}
.mega-promo-card.navy .mp-title { color: var(--white); }
.mp-sub {
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.5;
    margin-bottom: 16px;
}
.mega-promo-card.navy .mp-sub { color: rgba(255,255,255,0.7); }
.mp-btn {
    display: inline-flex;
    align-items: center;
    padding: 9px 16px;
    background: var(--navy-900);
    color: var(--white);
    font-weight: 700;
    font-size: 13px;
    border-radius: 10px;
    align-self: flex-start;
    transition: all 0.18s;
}
.mp-btn:hover { background: var(--blue-600); transform: translateY(-1px); }
.mp-btn.light {
    background: var(--white);
    color: var(--navy-900);
}
.mp-btn.light:hover { background: var(--blue-100); }

/* ============== NAV ACTIONS ============== */
.nav-actions {
    display: flex;
    align-items: center;
    gap: 8px;
}
.nav-icon-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    height: 42px;
    font-size: 13.5px;
    font-weight: 500;
    color: var(--gray-600);
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 999px;
    transition: all 0.18s;
}
.nav-icon-btn:hover {
    background: var(--white);
    border-color: var(--blue-400);
    color: var(--navy-900);
    box-shadow: var(--shadow-sm);
}

.nav-signon-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    height: 42px;
    background: var(--white);
    border: 1.5px solid var(--navy-900);
    color: var(--navy-900);
    font-weight: 700;
    font-size: 14px;
    border-radius: var(--radius-md);
    transition: all 0.18s;
}
.nav-signon-btn:hover {
    background: var(--navy-900);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn-open-acct {
    padding: 0 20px;
    height: 42px;
}

.hamburger {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    width: 40px;
    height: 40px;
    padding: 8px;
    flex-direction: column;
    justify-content: space-between;
    border-radius: 8px;
}
.hamburger:hover { background: var(--gray-100); }
.hamburger span {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--navy-900);
    border-radius: 2px;
    transition: all 0.2s var(--ease);
}

/* ============== SEARCH OVERLAY ============== */
.search-overlay {
    position: fixed;
    inset: 0;
    z-index: 500;
    background: rgba(10, 22, 51, 0.72);
    backdrop-filter: blur(6px);
    display: none;
    align-items: flex-start;
    justify-content: center;
    padding-top: 120px;
    animation: fadeIn 0.2s var(--ease);
}
.search-overlay.open { display: flex; }
@keyframes fadeIn { from { opacity: 0 } to { opacity: 1 } }

.search-inner {
    width: 100%;
    max-width: 760px;
    padding: 0 24px;
}
.search-box {
    position: relative;
    display: flex;
    align-items: center;
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 6px 6px 6px 20px;
    box-shadow: var(--shadow-2xl);
    border: 2px solid var(--blue-100);
}
.search-ic { font-size: 20px; margin-right: 10px; }
.search-box input {
    flex: 1;
    border: none;
    outline: none;
    padding: 18px 8px;
    font-size: 17px;
    color: var(--gray-900);
    background: transparent;
}
.search-box input::placeholder { color: var(--gray-400); }
.search-close {
    width: 42px; height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    color: var(--gray-500);
    border-radius: var(--radius-md);
    transition: all 0.15s;
}
.search-close:hover { background: var(--gray-100); color: var(--navy-900); }

.search-suggestions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 24px;
}
.suggest-col {
    background: rgba(255,255,255,0.98);
    border-radius: var(--radius-xl);
    padding: 18px 20px;
}
.suggest-col h6 {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray-500);
    margin-bottom: 10px;
}
.suggest-col a {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 8px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 500;
    color: var(--gray-700);
    transition: all 0.15s;
}
.suggest-col a:hover { background: var(--blue-50); color: var(--navy-900); }
.suggest-col a span { color: var(--blue-500); font-weight: 700; }

/* ============== HERO ============== */
.hero {
    position: relative;
    padding: 64px 0 88px;
    overflow: hidden;
}
.hero-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(1000px 600px at 92% -10%, rgba(0, 136, 254, 0.14), transparent 60%),
        radial-gradient(900px 500px at -10% 100%, rgba(30, 58, 138, 0.10), transparent 60%),
        linear-gradient(180deg, #F2F8FF 0%, #FFFFFF 100%);
    z-index: 0;
}
.hero-container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.1fr 0.95fr;
    gap: 60px;
    align-items: center;
}

.promo-ribbon {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px 8px 14px;
    background: linear-gradient(90deg, var(--navy-900) 0%, var(--blue-600) 100%);
    color: var(--white);
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    border-radius: 999px;
    margin-bottom: 26px;
    box-shadow: var(--shadow-md);
}
.ribbon-star { color: var(--amber-500); }

.hero-title {
    font-size: clamp(40px, 5.8vw, 72px);
    font-weight: 900;
    line-height: 1.02;
    letter-spacing: -0.03em;
    color: var(--navy-900);
    margin-bottom: 20px;
}
.hero-accent {
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-600) 60%, var(--blue-500) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.hero-subtitle {
    font-size: 18px;
    line-height: 1.65;
    color: var(--gray-600);
    max-width: 620px;
    margin-bottom: 30px;
}
.hero-subtitle strong {
    color: var(--navy-900);
    font-weight: 700;
}

.hero-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 24px;
}

.disclaimer-box {
    background: var(--blue-50);
    border-left: 3px solid var(--blue-500);
    padding: 12px 16px;
    border-radius: 10px;
    font-size: 12.5px;
    color: var(--gray-600);
    line-height: 1.55;
    margin-bottom: 28px;
    max-width: 620px;
}
.disclaimer-box strong { color: var(--navy-900); }

.hero-quick-actions {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    font-size: 13px;
}
.q-label {
    color: var(--gray-500);
    font-weight: 600;
    margin-right: 2px;
}
.q-chip {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 14px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 999px;
    font-weight: 600;
    color: var(--navy-900);
    transition: all 0.18s;
    box-shadow: var(--shadow-xs);
}
.q-chip:hover {
    background: var(--navy-900);
    color: var(--white);
    border-color: var(--navy-900);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

/* ============== SIGNON CARD ============== */
.signon-card {
    background: var(--white);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-2xl);
    border: 1px solid var(--gray-200);
    overflow: hidden;
}
.sc-header {
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-700) 100%);
    padding: 22px 26px;
    border-bottom: 1px solid var(--gray-200);
}
.sc-header h3 {
    margin: 0;
    font-size: 18px;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -0.2px;
}
.sc-body { padding: 26px 26px 24px; }
.sc-label {
    display: block;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy-900);
    margin-bottom: 7px;
}
.sc-input {
    width: 100%;
    padding: 12px 14px;
    font-size: 14.5px;
    color: var(--gray-900);
    background: var(--gray-50);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-md);
    margin-bottom: 16px;
    outline: none;
    transition: all 0.15s;
}
.sc-input:focus {
    border-color: var(--blue-500);
    background: var(--white);
    box-shadow: 0 0 0 4px var(--blue-100);
}
.sc-pass-row { position: relative; margin-bottom: 14px; }
.sc-pass-row .sc-input {
    margin-bottom: 0;
    padding-right: 46px;
}
.sc-eye {
    position: absolute;
    right: 8px;
    top: 50%;
    transform: translateY(-50%);
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    font-size: 15px;
    opacity: 0.65;
    transition: all 0.15s;
}
.sc-eye:hover { background: var(--gray-200); opacity: 1; }

.sc-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 18px;
}
.sc-check {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: 13px;
    color: var(--gray-600);
    font-weight: 500;
    cursor: pointer;
    position: relative;
}
.sc-check input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}
.sc-box {
    width: 17px;
    height: 17px;
    border: 1.5px solid var(--gray-300);
    border-radius: 4px;
    display: inline-block;
    transition: all 0.15s;
    position: relative;
}
.sc-check input:checked + .sc-box {
    background: var(--blue-500);
    border-color: var(--blue-500);
}
.sc-check input:checked + .sc-box::after {
    content: '✓';
    position: absolute;
    inset: 0;
    color: var(--white);
    font-size: 11px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
}
.sc-forgot {
    font-size: 13px;
    color: var(--blue-600);
    font-weight: 600;
}
.sc-forgot:hover { text-decoration: underline; }

.sc-signon {
    width: 100%;
    padding: 13px;
    background: var(--navy-900);
    color: var(--white);
    font-weight: 700;
    font-size: 15px;
    border-radius: var(--radius-md);
    transition: all 0.18s;
    box-shadow: var(--shadow-sm);
}
.sc-signon:hover {
    background: var(--blue-600);
    transform: translateY(-1px);
    box-shadow: var(--shadow-lg);
}

.sc-security {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 11.5px;
    color: var(--gray-500);
    font-weight: 500;
    padding: 14px 0 18px;
    border-bottom: 1px dashed var(--gray-100);
    margin-bottom: 16px;
    flex-wrap: wrap;
}
.sec-ic { font-size: 13px; }
.sec-sep { opacity: 0.5; }

.sc-divider {
    text-align: center;
    font-size: 12px;
    color: var(--gray-400);
    font-weight: 600;
    margin: 8px 0 14px;
    position: relative;
}
.sc-divider::before,
.sc-divider::after {
    content: '';
    position: absolute;
    top: 50%;
    width: 30%;
    height: 1px;
    background: var(--gray-200);
}
.sc-divider::before { left: 0; }
.sc-divider::after { right: 0; }
.sc-divider span {
    background: var(--white);
    padding: 0 10px;
}

.sc-actions-row {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.sc-link {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px;
    font-size: 13.5px;
    color: var(--gray-600);
    font-weight: 600;
    border-radius: var(--radius-md);
    transition: all 0.15s;
}
.sc-link:hover { background: var(--gray-50); color: var(--navy-900); }
.sc-link.primary {
    color: var(--white);
    background: var(--blue-50);
    color: var(--blue-600);
}
.sc-link.primary:hover { background: var(--blue-100); }

/* ============== RATE CALLOUT ============== */
.rate-callout {
    margin-top: 18px;
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
    color: var(--white);
    border-radius: var(--radius-2xl);
    padding: 22px 26px;
    box-shadow: var(--shadow-xl);
    position: relative;
    overflow: hidden;
}
.rate-callout::before {
    content: '';
    position: absolute;
    top: -40px; right: -40px;
    width: 200px; height: 200px;
    background: radial-gradient(circle, rgba(0,136,254,0.25), transparent 70%);
}
.rc-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
}
.rc-tag {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--blue-300);
}
.rc-badge {
    font-size: 11px;
    font-weight: 800;
    padding: 4px 10px;
    background: var(--green-500);
    color: var(--white);
    border-radius: 999px;
    letter-spacing: 0.03em;
}
.rc-rate-row {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 10px;
}
.rc-rate {
    display: flex;
    align-items: flex-end;
    gap: 6px;
}
.rc-pct {
    font-size: 48px;
    font-weight: 900;
    line-height: 1;
    letter-spacing: -0.03em;
}
.rc-unit {
    font-size: 16px;
    font-weight: 700;
    color: var(--blue-200);
    padding-bottom: 8px;
}
.rc-cta a {
    display: inline-flex;
    align-items: center;
    padding: 10px 18px;
    background: var(--white);
    color: var(--navy-900);
    font-weight: 700;
    font-size: 13.5px;
    border-radius: var(--radius-md);
    transition: all 0.18s;
}
.rc-cta a:hover {
    background: var(--blue-300);
    transform: translateY(-1px);
}
.rc-foot {
    font-size: 12.5px;
    color: rgba(255,255,255,0.65);
    font-weight: 500;
}

/* ============== PRODUCT SHOWCASE ============== */
.product-showcase {
    padding: 100px 0 0;
}
.product-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    padding: 60px 48px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-3xl);
    margin-bottom: 48px;
    box-shadow: var(--shadow-md);
    transition: all 0.3s var(--ease-out);
}
.product-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-xl);
    border-color: var(--blue-200);
}
.product-card.flip {
    background: linear-gradient(180deg, #F2F8FF 0%, #FFFFFF 100%);
}
.pc-kicker {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue-600);
    margin-bottom: 14px;
}
.pc-title {
    font-size: clamp(28px, 3.5vw, 42px);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin-bottom: 16px;
}
.pc-desc {
    font-size: 16.5px;
    color: var(--gray-600);
    line-height: 1.65;
    margin-bottom: 24px;
}
.pc-feats {
    margin-bottom: 32px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.pc-feats li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 15px;
    color: var(--gray-700);
    font-weight: 500;
}
.pc-feats li span {
    width: 22px;
    height: 22px;
    flex-shrink: 0;
    background: var(--green-500);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    font-weight: 800;
    margin-top: 2px;
}
.pc-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

/* ============== DEBIT CARD VISUAL ============== */
.pc-visual-1 {
    position: relative;
    min-height: 420px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.debit-card {
    position: relative;
    width: 380px;
    height: 240px;
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 45%, var(--blue-700) 100%);
    border-radius: 22px;
    padding: 24px 28px;
    color: var(--white);
    box-shadow: var(--shadow-2xl), 0 40px 80px -20px rgba(10, 22, 51, 0.35);
    transform: rotate(-5deg);
    transition: transform 0.5s var(--ease-out);
    overflow: hidden;
}
.debit-card::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 260px; height: 260px;
    background: radial-gradient(circle, rgba(0,136,254,0.35), transparent 65%);
    border-radius: 50%;
}
.product-card:hover .debit-card { transform: rotate(0) scale(1.02); }

.dc-chip {
    width: 46px; height: 34px;
    background: linear-gradient(135deg, #F7D774 0%, #B4892C 100%);
    border-radius: 6px;
    margin-bottom: 10px;
    overflow: hidden;
    position: relative;
}
.dc-chip .chip-lines {
    position: absolute;
    inset: 4px 5px;
    background-image:
        linear-gradient(90deg, transparent 49%, rgba(0,0,0,0.2) 49%, rgba(0,0,0,0.2) 51%, transparent 51%),
        linear-gradient(0deg, transparent 49%, rgba(0,0,0,0.15) 49%, rgba(0,0,0,0.15) 51%, transparent 51%);
    background-size: 10px 10px, 100% 10px;
}
.dc-waves {
    position: absolute;
    top: 36px; right: 28px;
    display: flex;
    align-items: center;
    gap: 3px;
    opacity: 0.85;
}
.dc-waves span {
    display: block;
    background: var(--white);
    border-radius: 999px;
}
.dc-waves span:nth-child(1) { width: 3px; height: 10px; }
.dc-waves span:nth-child(2) { width: 3px; height: 16px; }
.dc-waves span:nth-child(3) { width: 3px; height: 22px; }

.dc-num {
    font-size: 21px;
    font-weight: 600;
    letter-spacing: 0.08em;
    margin-top: 56px;
    margin-bottom: 18px;
    font-variant-numeric: tabular-nums;
    text-shadow: 0 1px 2px rgba(0,0,0,0.2);
}
.dc-row {
    display: grid;
    grid-template-columns: 1fr 1fr auto;
    gap: 10px;
    align-items: end;
}
.dc-label {
    font-size: 9.5px;
    opacity: 0.65;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 3px;
}
.dc-val {
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.03em;
}
.dc-logo-mini {
    width: 40px; height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.dc-cir {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(255,255,255,0.18);
    border: 2px solid rgba(255,255,255,0.35);
}
.dc-brand {
    position: absolute;
    bottom: 18px;
    right: 28px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.15em;
    color: rgba(255,255,255,0.7);
}

.savings-float {
    position: absolute;
    bottom: 0;
    left: 0;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 16px 20px;
    box-shadow: var(--shadow-xl);
    min-width: 260px;
    transform: rotate(4deg);
}
.sf-label {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 4px;
}
.sf-amt {
    font-size: 24px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.02em;
    line-height: 1.2;
    margin-bottom: 4px;
}
.sf-chg {
    font-size: 12.5px;
    font-weight: 700;
    padding: 4px 8px;
    border-radius: 6px;
    display: inline-block;
    background: var(--green-100);
    color: var(--green-600);
}

/* ============== LOAN PANEL ============== */
.pc-visual-2 {
    display: flex;
    align-items: center;
    justify-content: center;
}
.personal-loan-panel {
    width: 100%;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 26px;
    box-shadow: var(--shadow-xl);
}
.plp-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 22px;
}
.plp-label {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--blue-600);
}
.plp-note {
    font-size: 11.5px;
    font-weight: 600;
    padding: 4px 10px;
    background: var(--green-100);
    color: var(--green-600);
    border-radius: 999px;
}
.plp-slider-block { margin-bottom: 22px; }
.plp-slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    color: var(--gray-600);
    font-weight: 500;
    margin-bottom: 10px;
}
.plp-slider-label strong {
    font-size: 18px;
    color: var(--navy-900);
    font-weight: 800;
}
.plp-slider {
    position: relative;
    height: 6px;
    background: var(--gray-100);
    border-radius: 999px;
}
.plp-slider-fill {
    position: absolute;
    left: 0; top: 0; bottom: 0;
    background: linear-gradient(90deg, var(--blue-500), var(--navy-600));
    border-radius: 999px;
}
.plp-ticks {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--gray-400);
    margin-top: 6px;
    font-weight: 500;
}
.plp-rate-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    background: var(--navy-900);
    color: var(--white);
    border-radius: var(--radius-xl);
    padding: 20px;
    margin-top: 8px;
}
.plp-rate-box > *:nth-child(3) {
    grid-column: span 2;
    margin-top: 4px;
}
.prb-label {
    font-size: 11px;
    color: rgba(255,255,255,0.6);
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-bottom: 3px;
}
.prb-val {
    font-size: 28px;
    font-weight: 900;
    letter-spacing: -0.02em;
    line-height: 1.1;
}
.prb-small {
    font-size: 14px;
    font-weight: 700;
    color: var(--blue-300);
    margin-left: 2px;
}
.prb-btn {
    width: 100%;
    padding: 12px;
    background: var(--white);
    color: var(--navy-900);
    font-weight: 700;
    font-size: 14px;
    border-radius: 10px;
    transition: all 0.18s;
}
.prb-btn:hover {
    background: var(--blue-300);
    transform: translateY(-1px);
}

/* ============== CREDIT CARD CAROUSEL ============== */
.card-showcase { background: var(--gray-50); }

.cards-carousel {
    position: relative;
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 60px;
}
.car-track {
    position: relative;
    overflow: hidden;
    border-radius: var(--radius-3xl);
}
.car-slide {
    display: none;
    grid-template-columns: 1fr 1.15fr;
    gap: 60px;
    align-items: center;
    background: var(--white);
    padding: 48px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-lg);
    animation: fadeSlide 0.5s var(--ease-out);
}
.car-slide.active { display: grid; }
@keyframes fadeSlide {
    from { opacity: 0; transform: translateX(30px); }
    to { opacity: 1; transform: translateX(0); }
}
.car-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 48px;
    height: 48px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    color: var(--navy-900);
    font-size: 28px;
    font-weight: 400;
    line-height: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    box-shadow: var(--shadow-md);
    z-index: 5;
    transition: all 0.18s;
}
.car-arrow:hover {
    background: var(--navy-900);
    color: var(--white);
    border-color: var(--navy-900);
    transform: translateY(-50%) scale(1.05);
}
.car-arrow.left { left: 0; }
.car-arrow.right { right: 0; }

.car-dots {
    display: flex;
    gap: 10px;
    justify-content: center;
    margin-top: 28px;
}
.cd {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--gray-300);
    cursor: pointer;
    transition: all 0.2s;
}
.cd.active {
    width: 28px;
    border-radius: 999px;
    background: var(--blue-500);
}

.cc-visual {
    position: relative;
    height: 340px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.cc-visual.aura {
    background: linear-gradient(135deg, #0A1633 0%, #1E3A8A 60%, #0088FE 100%);
    border-radius: var(--radius-2xl);
    box-shadow: 0 30px 60px -20px rgba(10,22,51,0.5);
}
.cc-visual.double {
    background: linear-gradient(135deg, #FFFFFF 0%, #F2F8FF 60%, #A7D4FF 100%);
    border-radius: var(--radius-2xl);
    box-shadow: 0 30px 60px -20px rgba(10,22,51,0.2);
    border: 1px solid var(--gray-200);
}
.cc-visual.simplicity {
    background: linear-gradient(135deg, #0F2145 0%, #0A1633 100%);
    border-radius: var(--radius-2xl);
    box-shadow: 0 30px 60px -20px rgba(10,22,51,0.5);
}
.cc-chip {
    position: absolute;
    top: 36px;
    left: 36px;
    width: 42px;
    height: 32px;
    background: linear-gradient(135deg, #F7D774 0%, #B4892C 100%);
    border-radius: 5px;
}
.cc-brand {
    position: absolute;
    top: 36px;
    right: 36px;
    font-size: 18px;
    font-weight: 900;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.92);
}
.cc-brand.white { color: var(--navy-900); }
.cc-name {
    position: absolute;
    bottom: 80px;
    left: 36px;
    font-size: 14px;
    font-weight: 800;
    letter-spacing: 0.14em;
    color: rgba(255,255,255,0.95);
}
.cc-visual.double .cc-name { color: var(--navy-900); }
.cc-num {
    position: absolute;
    bottom: 44px;
    left: 36px;
    right: 36px;
    font-size: 18px;
    font-weight: 600;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.9);
    font-variant-numeric: tabular-nums;
}
.cc-visual.double .cc-num { color: var(--gray-800); }

.cc-badge-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 14px;
}
.cc-badge {
    padding: 5px 11px;
    font-size: 11.5px;
    font-weight: 700;
    background: linear-gradient(90deg, var(--navy-900), var(--blue-600));
    color: var(--white);
    border-radius: 999px;
    letter-spacing: 0.02em;
}
.cc-badge.alt {
    background: var(--blue-50);
    color: var(--blue-600);
}
.cc-details h3 {
    font-size: 26px;
    font-weight: 800;
    color: var(--navy-900);
    letter-spacing: -0.01em;
    margin-bottom: 18px;
}
.cc-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-bottom: 20px;
    padding: 18px;
    background: var(--gray-50);
    border-radius: var(--radius-xl);
}
.cc-metric { text-align: center; }
.cc-val {
    font-size: 26px;
    font-weight: 900;
    color: var(--navy-900);
    line-height: 1;
    letter-spacing: -0.02em;
    margin-bottom: 5px;
}
.cc-lbl {
    font-size: 11.5px;
    color: var(--gray-500);
    font-weight: 600;
    line-height: 1.35;
}
.cc-perks {
    margin-bottom: 24px;
    display: flex;
    flex-direction: column;
    gap: 9px;
}
.cc-perks li {
    display: flex;
    gap: 10px;
    font-size: 14px;
    color: var(--gray-700);
    font-weight: 500;
}
.cc-perks li span {
    color: var(--green-500);
    font-weight: 800;
    flex-shrink: 0;
}
.cc-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

/* ============== RATES SECTION ============== */
.rates-section { background: var(--blue-50); }

.rates-tabs {
    display: inline-flex;
    flex-wrap: wrap;
    gap: 6px;
    background: var(--white);
    padding: 6px;
    border-radius: 999px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    margin: 0 auto 40px;
    display: flex;
    width: fit-content;
}
.rt-tab {
    padding: 10px 22px;
    border-radius: 999px;
    font-size: 14px;
    font-weight: 700;
    color: var(--gray-600);
    transition: all 0.18s;
}
.rt-tab:hover { color: var(--navy-900); }
.rt-tab.active {
    background: var(--navy-900);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}

.rates-panes { position: relative; }
.rt-pane {
    display: none;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    animation: fadeSlide 0.35s var(--ease-out);
}
.rt-pane.active { display: grid; }

.rate-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 32px 28px;
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    transition: all 0.25s var(--ease-out);
}
.rate-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-xl);
    border-color: var(--blue-200);
}
.rate-card.featured {
    background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-800) 100%);
    border-color: var(--navy-900);
    color: var(--white);
    transform: translateY(-6px);
}
.rate-card.featured:hover {
    transform: translateY(-10px);
}
.rate-top { margin-bottom: 22px; }
.rate-top h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 6px;
}
.rate-card.featured .rate-top h3 { color: var(--white); }
.rate-top p {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.5;
}
.rate-card.featured .rate-top p { color: rgba(255,255,255,0.65); }
.rt-badge-feat {
    display: inline-block;
    font-size: 10.5px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 4px 10px;
    background: var(--blue-500);
    color: var(--white);
    border-radius: 999px;
    margin-bottom: 10px;
}
.rate-big {
    display: flex;
    align-items: flex-end;
    gap: 6px;
    margin-bottom: 22px;
    padding-bottom: 22px;
    border-bottom: 1px solid var(--gray-100);
}
.rate-card.featured .rate-big { border-color: rgba(255,255,255,0.12); }
.rate-num {
    font-size: 54px;
    font-weight: 900;
    line-height: 1;
    letter-spacing: -0.03em;
    color: var(--navy-900);
}
.rate-card.featured .rate-num {
    background: linear-gradient(135deg, var(--white) 0%, var(--blue-300) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.rate-suffix {
    font-size: 16px;
    font-weight: 800;
    color: var(--gray-500);
    padding-bottom: 10px;
}
.rate-card.featured .rate-suffix { color: rgba(255,255,255,0.7); }

.rate-list {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 22px;
}
.rate-list > div {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    color: var(--gray-600);
    padding: 6px 0;
}
.rate-card.featured .rate-list > div { color: rgba(255,255,255,0.7); }
.rate-list > div strong {
    color: var(--navy-900);
    font-weight: 700;
    font-size: 13.5px;
}
.rate-card.featured .rate-list > div strong { color: var(--white); }

.rate-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 18px;
    background: var(--navy-900);
    color: var(--white);
    font-weight: 700;
    font-size: 14px;
    border-radius: var(--radius-md);
    transition: all 0.18s;
    box-shadow: var(--shadow-sm);
}
.rate-btn:hover {
    background: var(--blue-600);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.rate-btn.outline {
    background: transparent;
    color: var(--navy-900);
    border: 1.5px solid var(--gray-300);
    box-shadow: none;
}
.rate-btn.outline:hover {
    border-color: var(--navy-900);
    background: var(--gray-50);
}
.rate-card.featured .rate-btn {
    background: var(--white);
    color: var(--navy-900);
}
.rate-card.featured .rate-btn:hover { background: var(--blue-300); }

/* ============== OPEN SECTION ============== */
.open-container {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 70px;
    align-items: center;
}
.open-left h2 {
    font-size: clamp(28px, 3.5vw, 42px);
    font-weight: 800;
    line-height: 1.14;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin-bottom: 16px;
}
.open-left > p {
    font-size: 17px;
    color: var(--gray-600);
    line-height: 1.65;
    margin-bottom: 26px;
}
.open-checks {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 32px;
}
.open-checks li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 15px;
    color: var(--gray-700);
    font-weight: 500;
}
.open-checks li span {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
    background: var(--blue-50);
    color: var(--blue-600);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}

.stepper {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 28px;
    box-shadow: var(--shadow-xl);
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.step {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 18px;
    padding: 18px;
    border-radius: var(--radius-xl);
    background: var(--gray-50);
    opacity: 0.6;
    transition: all 0.3s var(--ease-out);
}
.step.active {
    opacity: 1;
    background: linear-gradient(135deg, #F2F8FF 0%, #FFFFFF 100%);
    border: 1.5px solid var(--blue-100);
    box-shadow: var(--shadow-sm);
}
.step-num {
    width: 38px;
    height: 38px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    color: var(--gray-500);
    border: 1.5px solid var(--gray-200);
    border-radius: 50%;
    font-weight: 800;
    font-size: 15px;
}
.step.active .step-num {
    background: var(--navy-900);
    color: var(--white);
    border-color: var(--navy-900);
}
.step-title {
    font-size: 16px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 2px;
}
.step-desc {
    font-size: 13px;
    color: var(--gray-500);
    margin-bottom: 14px;
}
.step-visual {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 14px;
}
.sv-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 8px;
}
.sv-tile {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 4px;
    padding: 10px 6px;
    border-radius: 8px;
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-500);
    transition: all 0.15s;
    border: 1.5px solid transparent;
}
.sv-tile span { font-size: 20px; }
.sv-tile.active {
    background: var(--blue-50);
    color: var(--navy-900);
    border-color: var(--blue-500);
}
.form-preview {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.fp-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 7px 10px;
    background: var(--gray-50);
    border-radius: 6px;
}
.fp-row span {
    font-size: 11.5px;
    color: var(--gray-500);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.fp-val {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy-900);
}
.confirm-preview {
    display: flex;
    gap: 14px;
    align-items: center;
}
.cp-check {
    width: 42px;
    height: 42px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--green-500);
    color: var(--white);
    border-radius: 50%;
    font-size: 20px;
    font-weight: 900;
    box-shadow: 0 0 0 6px var(--green-100);
}
.cp-check + div { flex: 1; }
.cp-check + div > strong {
    display: block;
    font-size: 14px;
    color: var(--navy-900);
    font-weight: 800;
    margin-bottom: 3px;
}
.cp-sub {
    font-size: 12px;
    color: var(--gray-500);
    margin-bottom: 8px;
}
.cp-bar {
    height: 6px;
    background: var(--gray-100);
    border-radius: 999px;
    overflow: hidden;
}
.cp-bar > div {
    width: 75%;
    height: 100%;
    background: linear-gradient(90deg, var(--blue-500), var(--navy-600));
    border-radius: 999px;
    animation: loadingBar 2.4s var(--ease) infinite;
}
@keyframes loadingBar {
    0% { width: 0; }
    100% { width: 75%; }
}
.stepper-footer {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    color: var(--gray-500);
    font-weight: 600;
    padding: 12px 18px 4px;
    border-top: 1px dashed var(--gray-100);
    margin-top: 6px;
}
.stepper-footer .lock { font-size: 14px; }

/* ============== SUPPORT STRIP ============== */
.support-strip {
    padding: 72px 0;
    background: var(--white);
    border-top: 1px solid var(--gray-100);
    border-bottom: 1px solid var(--gray-100);
}
.support-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 18px;
}
.support-card {
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 14px;
    align-items: center;
    padding: 22px 20px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    transition: all 0.25s var(--ease-out);
}
.support-card:hover {
    transform: translateY(-3px);
    background: var(--blue-50);
    border-color: var(--blue-200);
    box-shadow: var(--shadow-lg);
}
.sp-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--blue-50);
    border-radius: 14px;
    font-size: 22px;
    transition: all 0.2s;
}
.support-card:hover .sp-icon {
    background: var(--navy-900);
    transform: scale(1.08) rotate(-4deg);
}
.support-card h4 {
    font-size: 16px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 2px;
}
.support-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.45;
}
.sp-arrow {
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-400);
    font-size: 18px;
    font-weight: 700;
    transition: all 0.18s;
}
.support-card:hover .sp-arrow {
    color: var(--navy-900);
    transform: translateX(4px);
}

/* ============== CTA SECTION ============== */
.cta-section {
    background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-700) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(800px 500px at 10% 20%, rgba(0,136,254,0.25), transparent 60%),
        radial-gradient(800px 500px at 90% 80%, rgba(30,58,138,0.5), transparent 60%);
}
.cta-container { position: relative; }
.cta-content {
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
}
.cta-content h2 {
    font-size: clamp(30px, 4vw, 48px);
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 18px;
}
.cta-content h2 .text-gradient {
    background: linear-gradient(135deg, var(--blue-300) 0%, var(--white) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.cta-content p {
    font-size: 18px;
    line-height: 1.65;
    color: rgba(255,255,255,0.72);
    margin-bottom: 36px;
}
.cta-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
}

/* ============== FOOTER ============== */
.footer {
    background: #07101F;
    color: rgba(255,255,255,0.7);
    padding: 0 0 40px;
}
.footer-security {
    padding: 28px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.fs-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
}
.fs-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 999px;
    font-size: 12.5px;
    color: rgba(255,255,255,0.85);
    font-weight: 600;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.15fr 3fr;
    gap: 70px;
    padding: 56px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .footer-logo {
    height: 52px;
    width: auto;
    filter: brightness(0) invert(1);
    margin-bottom: 18px;
}
.footer-tagline {
    font-size: 14.5px;
    line-height: 1.65;
    color: rgba(255,255,255,0.65);
    margin-bottom: 24px;
    max-width: 320px;
}
.app-badges {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 26px;
    max-width: 220px;
}
.app-badge {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 14px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 12px;
    color: var(--white);
    transition: all 0.18s;
}
.app-badge:hover {
    background: rgba(255,255,255,0.1);
    transform: translateY(-1px);
}
.ab-ic { font-size: 26px; }
.app-badge small {
    display: block;
    font-size: 10px;
    color: rgba(255,255,255,0.6);
    line-height: 1;
}
.app-badge strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    line-height: 1.2;
}

.social-row {
    display: flex;
    gap: 10px;
}
.social-link {
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.08);
    font-size: 14px;
    font-weight: 700;
    color: rgba(255,255,255,0.8);
    transition: all 0.18s;
}
.social-link:hover {
    background: var(--blue-500);
    border-color: var(--blue-500);
    color: var(--white);
    transform: translateY(-2px);
}

.footer-cols {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 28px;
}
.footer-col h4 {
    font-size: 12.5px;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--white);
    margin-bottom: 18px;
}
.footer-col a {
    display: block;
    font-size: 13.5px;
    padding: 5px 0;
    color: rgba(255,255,255,0.6);
    transition: all 0.15s;
}
.footer-col a:hover {
    color: var(--white);
    padding-left: 4px;
}

.footer-cta-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    padding: 32px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.fcr-text {
    font-size: 15px;
    color: rgba(255,255,255,0.8);
}
.fcr-text strong {
    color: var(--white);
    font-weight: 800;
    margin-right: 6px;
}
.fcr-form {
    display: flex;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 12px;
    padding: 4px;
    min-width: 360px;
}
.fcr-form input {
    flex: 1;
    background: transparent;
    border: none;
    outline: none;
    padding: 10px 14px;
    color: var(--white);
    font-size: 14px;
}
.fcr-form input::placeholder { color: rgba(255,255,255,0.4); }
.fcr-form button {
    padding: 10px 22px;
    background: var(--white);
    color: var(--navy-900);
    border-radius: 8px;
    font-weight: 700;
    font-size: 13.5px;
    transition: all 0.18s;
}
.fcr-form button:hover {
    background: var(--blue-300);
}

.footer-bottom {
    padding-top: 32px;
}
.footer-legal {
    display: flex;
    flex-wrap: wrap;
    gap: 22px;
    font-size: 12.5px;
    margin-bottom: 18px;
}
.footer-legal span {
    color: rgba(255,255,255,0.55);
    font-weight: 500;
}
.footer-legal a {
    color: rgba(255,255,255,0.55);
    transition: color 0.15s;
}
.footer-legal a:hover { color: var(--white); }
.footer-reg {
    font-size: 11.5px;
    color: rgba(255,255,255,0.45);
    font-weight: 500;
    line-height: 1.7;
}
.footer-reg p + p { margin-top: 4px; }

/* ============== COOKIE BANNER ============== */
.cookie-banner {
    position: fixed;
    bottom: 20px;
    left: 20px;
    right: 20px;
    z-index: 900;
    max-width: 1100px;
    margin: 0 auto;
    animation: fadeSlideUp 0.4s var(--ease-out);
    display: none;
}
.cookie-banner.show { display: block; }
@keyframes fadeSlideUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}
.cb-content {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 24px;
    align-items: center;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 18px 22px;
    box-shadow: var(--shadow-2xl);
}
.cb-text {
    font-size: 13.5px;
    color: var(--gray-700);
    line-height: 1.55;
}
.cb-text strong {
    color: var(--navy-900);
    font-weight: 800;
}
.cb-text a {
    color: var(--blue-600);
    font-weight: 600;
    text-decoration: underline;
}
.cb-actions {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}
.cb-btn {
    padding: 10px 18px;
    background: var(--navy-900);
    color: var(--white);
    border-radius: 10px;
    font-size: 13px;
    font-weight: 700;
    transition: all 0.18s;
    white-space: nowrap;
}
.cb-btn:hover {
    background: var(--blue-600);
    transform: translateY(-1px);
}
.cb-btn.outline {
    background: transparent;
    color: var(--navy-900);
    border: 1.5px solid var(--gray-300);
}
.cb-btn.outline:hover {
    border-color: var(--navy-900);
    background: var(--gray-50);
}

/* ============== BACK TO TOP ============== */
.back-to-top {
    position: fixed;
    right: 24px;
    bottom: 100px;
    width: 46px;
    height: 46px;
    background: var(--white);
    color: var(--navy-900);
    border-radius: 50%;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 400;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all 0.25s var(--ease-out);
}
.back-to-top.show {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.back-to-top:hover {
    background: var(--navy-900);
    color: var(--white);
    border-color: var(--navy-900);
    transform: translateY(-2px);
}

/* ============== A11Y PANEL ============== */
.a11y-panel {
    position: fixed;
    top: 120px;
    right: 24px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 18px;
    box-shadow: var(--shadow-2xl);
    z-index: 600;
    width: 280px;
    display: none;
    animation: fadeIn 0.2s var(--ease);
}
.a11y-panel.open { display: block; }
.a11y-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 14px;
}
.a11y-head strong {
    font-size: 14px;
    color: var(--navy-900);
    font-weight: 800;
}
.a11y-head button {
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
    color: var(--gray-500);
    font-size: 13px;
    font-weight: 700;
}
.a11y-head button:hover { background: var(--gray-100); color: var(--navy-900); }
.a11y-row {
    padding: 10px 0;
    border-top: 1px solid var(--gray-100);
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.a11y-row:first-of-type { border-top: none; }
.a11y-row > span {
    font-size: 12px;
    color: var(--gray-500);
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}
.a11y-seg {
    display: inline-flex;
    background: var(--gray-100);
    border-radius: 10px;
    padding: 3px;
    gap: 2px;
}
.a11y-seg button {
    padding: 7px 12px;
    font-size: 13px;
    font-weight: 700;
    color: var(--gray-600);
    border-radius: 8px;
    transition: all 0.15s;
}
.a11y-seg button.active {
    background: var(--navy-900);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}
.a11y-seg button:hover:not(.active) { background: var(--white); color: var(--navy-900); }

/* ============== ACTIVE NAV LINK ============== */
.nav-link.active {
    color: var(--blue-600);
    font-weight: 700;
    position: relative;
}
.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -22px;
    left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--blue-500), var(--navy-600));
    border-radius: 999px;
}

/* ============== SUB-PAGE HERO ============== */
.page-hero {
    position: relative;
    padding: 80px 0 100px;
    overflow: hidden;
    background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-700) 55%, var(--navy-600) 100%);
    color: var(--white);
}
.page-hero-bg {
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(700px 400px at 10% 0%, rgba(0,136,254,0.35), transparent 60%),
        radial-gradient(600px 500px at 100% 100%, rgba(30,58,138,0.6), transparent 60%),
        linear-gradient(135deg, rgba(10,22,51,0.9) 0%, rgba(21,45,94,0.85) 100%);
}
.cash-hero .page-hero-bg {
    background-image:
        radial-gradient(700px 400px at 90% 10%, rgba(16,185,129,0.3), transparent 60%),
        radial-gradient(600px 500px at 0% 100%, rgba(30,58,138,0.6), transparent 60%);
}
.travel-hero .page-hero-bg {
    background-image:
        radial-gradient(700px 400px at 10% 10%, rgba(139,92,246,0.28), transparent 60%),
        radial-gradient(600px 500px at 100% 100%, rgba(0,136,254,0.35), transparent 60%);
}
.apr-hero .page-hero-bg {
    background-image:
        radial-gradient(700px 400px at 80% 20%, rgba(245,158,11,0.25), transparent 60%),
        radial-gradient(600px 500px at 10% 100%, rgba(0,102,214,0.45), transparent 60%);
}
.biz-hero .page-hero-bg {
    background-image:
        radial-gradient(700px 400px at 15% 20%, rgba(244,63,94,0.22), transparent 60%),
        radial-gradient(600px 500px at 95% 95%, rgba(0,136,254,0.4), transparent 60%);
}
.page-hero .container { position: relative; }
.page-hero-content {
    max-width: 820px;
}
.page-hero h1 {
    font-size: clamp(36px, 5vw, 60px);
    font-weight: 900;
    line-height: 1.06;
    letter-spacing: -0.03em;
    margin: 14px 0 20px;
}
.text-gradient-light {
    background: linear-gradient(135deg, var(--blue-300) 0%, var(--white) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.page-hero-sub {
    font-size: 18.5px;
    line-height: 1.65;
    color: rgba(255,255,255,0.76);
    max-width: 680px;
    margin-bottom: 32px;
}
.hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 16px;
    margin-top: 30px;
}
.hb-item {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    font-weight: 600;
    color: rgba(255,255,255,0.88);
    padding: 8px 14px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 999px;
}

/* ============== CATEGORY GRID ============== */
.category-section { background: var(--white); }
.category-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}
.cat-card {
    display: flex;
    flex-direction: column;
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 32px 26px 26px;
    transition: all 0.28s var(--ease-out);
    position: relative;
    overflow: hidden;
}
.cat-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--blue-500), var(--navy-600));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.35s var(--ease-out);
}
.cat-card:hover {
    transform: translateY(-6px);
    border-color: var(--blue-200);
    box-shadow: var(--shadow-xl);
}
.cat-card:hover::before { transform: scaleX(1); }
.cat-icon {
    width: 62px;
    height: 62px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    border-radius: var(--radius-xl);
    background: var(--blue-50);
    margin-bottom: 20px;
    transition: all 0.28s var(--ease-out);
}
.cat-card:hover .cat-icon {
    transform: scale(1.1) rotate(-5deg);
    background: linear-gradient(135deg, var(--blue-500), var(--navy-600));
}
.cat-icon.cash { background: #D1FAE5; }
.cat-icon.travel { background: #EDE9FE; }
.cat-icon.apr { background: #FEF3C7; }
.cat-icon.biz { background: #FCE7F3; }
.cat-card h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}
.cat-card p {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.6;
    flex: 1;
    margin-bottom: 22px;
}
.cat-foot {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 18px;
    border-top: 1px solid var(--gray-100);
}
.cat-foot strong {
    font-size: 13px;
    color: var(--navy-900);
    font-weight: 800;
}
.cat-arrow {
    width: 34px;
    height: 34px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gray-100);
    color: var(--gray-500);
    border-radius: 50%;
    font-size: 16px;
    font-weight: 800;
    transition: all 0.2s;
}
.cat-card:hover .cat-arrow {
    background: var(--navy-900);
    color: var(--white);
    transform: translateX(4px);
}

/* ============== CARDS GRID (overview) ============== */
.cards-grid-section { background: var(--gray-50); }
.cards-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}
.card-item {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: 24px 22px 22px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: all 0.28s var(--ease-out);
    display: flex;
    flex-direction: column;
}
.card-item:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-xl);
    border-color: var(--blue-200);
}
.ci-top {
    min-height: 34px;
    margin-bottom: 4px;
}
.card-item .cc-visual {
    height: 200px;
    border-radius: var(--radius-xl);
    margin: 0 0 20px;
}
.card-item .cc-chip {
    width: 30px;
    height: 22px;
    top: 24px; left: 22px;
}
.card-item .cc-brand {
    top: 24px; right: 22px;
    font-size: 13px;
}
.card-item .cc-name {
    bottom: 50px; left: 22px;
    font-size: 10px;
}
.card-item .cc-num {
    bottom: 26px; left: 22px; right: 22px;
    font-size: 14px;
}
.card-item h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 14px;
    letter-spacing: -0.01em;
}
.ci-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 6px;
    padding: 12px 8px;
    background: var(--gray-50);
    border-radius: var(--radius-md);
    margin-bottom: 14px;
}
.ci-m { text-align: center; }
.ci-m span {
    display: block;
    font-size: 18px;
    font-weight: 900;
    color: var(--navy-900);
    line-height: 1;
    margin-bottom: 3px;
}
.ci-m small {
    font-size: 10.5px;
    color: var(--gray-500);
    font-weight: 600;
    line-height: 1.3;
}
.ci-desc {
    font-size: 13.5px;
    line-height: 1.55;
    color: var(--gray-600);
    margin-bottom: 18px;
    flex: 1;
}
.ci-foot {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
}
.ci-fee {
    font-size: 22px;
    font-weight: 900;
    color: var(--navy-900);
    line-height: 1;
}
.ci-fee span {
    font-size: 12px;
    font-weight: 600;
    color: var(--gray-500);
}
.ci-btn {
    font-size: 13px;
    font-weight: 700;
    color: var(--blue-600);
}
.card-item:hover .ci-btn { color: var(--navy-900); }

/* ============== COMPARE TABLE ============== */
.compare-table-section { background: var(--white); }
.compare-wrap {
    overflow-x: auto;
    border-radius: var(--radius-2xl);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-md);
}
.compare-table {
    width: 100%;
    min-width: 860px;
    border-collapse: separate;
    border-spacing: 0;
    background: var(--white);
}
.compare-table thead th {
    background: var(--gray-50);
    padding: 22px 20px;
    border-bottom: 2px solid var(--gray-200);
    font-size: 13px;
    font-weight: 800;
    color: var(--navy-900);
    text-align: center;
    vertical-align: middle;
}
.compare-table thead th:first-child {
    text-align: left;
    position: sticky;
    left: 0;
    z-index: 2;
    background: var(--gray-50);
    border-right: 1px solid var(--gray-200);
}
.th-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
}
.th-cc {
    font-size: 14px;
    font-weight: 800;
    color: var(--white);
    padding: 14px 18px;
    border-radius: var(--radius-lg);
    letter-spacing: -0.01em;
}
.th-cc.sm { font-size: 12px; padding: 10px 14px; }
.th-cc.aura-s { background: linear-gradient(135deg, #0A1633, #0088FE); }
.th-cc.double-s { background: linear-gradient(135deg, #60B8FF, #FFFFFF); color: var(--navy-900); border: 1px solid var(--gray-300); }
.th-cc.simp-s { background: linear-gradient(135deg, #0F2145, #0A1633); }
.th-cc.biz-s { background: linear-gradient(135deg, #152D5E, #374151); }
.btn-primary.btn-sm {
    padding: 8px 16px;
    font-size: 12.5px;
}
.compare-table tbody td {
    padding: 16px 20px;
    font-size: 14px;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
    text-align: center;
    vertical-align: middle;
}
.compare-table tbody tr.alt td { background: var(--gray-50); }
.compare-table tbody td.td-label {
    font-weight: 700;
    color: var(--navy-900);
    text-align: left;
    position: sticky;
    left: 0;
    background: var(--white);
    border-right: 1px solid var(--gray-100);
    z-index: 1;
    width: 180px;
}
.compare-table tbody tr.alt td.td-label { background: var(--gray-50); }

/* ============== FEATURED CARD SECTIONS ============== */
.featured-card-section { background: var(--white); padding: 100px 0; }
.featured-card-section.alt-bg { background: var(--gray-50); }
.featured-card-wrap {
    display: grid;
    grid-template-columns: 0.95fr 1.15fr;
    gap: 60px;
    align-items: center;
}
.featured-card-wrap.reverse {
    grid-template-columns: 1.15fr 0.95fr;
}
.fc-visual { position: relative; }
.cc-visual.xl {
    height: 420px;
    max-width: 520px;
    margin: 0 auto;
}
.cc-visual.biz {
    background: linear-gradient(135deg, #152D5E 0%, #374151 60%, #6B7280 100%);
}
.cc-visual.biz-d {
    background: linear-gradient(135deg, #FFFFFF 0%, #F3F4F6 60%, #D1D5DB 100%);
    border: 1px solid var(--gray-200);
}
.cc-visual.everyday {
    background: linear-gradient(135deg, #1E3A8A 0%, #005FBE 50%, #0A1633 100%);
}
.cc-visual.costco {
    background: linear-gradient(135deg, #0A1633 0%, #BE1E2D 60%, #005FBE 100%);
}
.fc-offer {
    margin-top: 24px;
    padding: 22px;
    background: linear-gradient(135deg, var(--blue-50) 0%, var(--white) 100%);
    border: 1.5px solid var(--blue-200);
    border-radius: var(--radius-xl);
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
}
.fc-offer.alt-offer {
    background: linear-gradient(135deg, #FEF3C7 0%, var(--white) 100%);
    border-color: #F59E0B;
}
.fc-offer.biz-offer {
    background: linear-gradient(135deg, #FCE7F3 0%, var(--white) 100%);
    border-color: #F43F5E;
}
.fc-offer.costco-offer {
    background: linear-gradient(135deg, #FEE2E2 0%, var(--white) 100%);
    border-color: #BE1E2D;
}
.fo-label {
    font-size: 10.5px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue-600);
    margin-bottom: 8px;
}
.fc-offer.alt-offer .fo-label { color: #B45309; }
.fc-offer.biz-offer .fo-label { color: #BE123C; }
.fc-offer.costco-offer .fo-label { color: #991B1B; }
.fo-title {
    font-size: 22px;
    font-weight: 900;
    color: var(--navy-900);
    line-height: 1.2;
    margin-bottom: 6px;
    letter-spacing: -0.02em;
}
.fo-sub {
    font-size: 13.5px;
    color: var(--gray-600);
    line-height: 1.5;
}

.fc-details .ci-badge.xl {
    font-size: 12px;
    padding: 7px 14px;
    margin-bottom: 20px;
    display: inline-block;
}
.fc-details .cc-badge-row.xl { margin-bottom: 20px; gap: 10px; }
.fc-details .cc-badge-row.xl .cc-badge { font-size: 12px; padding: 7px 14px; }
.fc-title {
    font-size: clamp(28px, 3.2vw, 40px);
    font-weight: 900;
    line-height: 1.12;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin-bottom: 16px;
}
.fc-desc {
    font-size: 16.5px;
    line-height: 1.65;
    color: var(--gray-600);
    margin-bottom: 28px;
}

/* ============== REWARD BREAKDOWN ============== */
.reward-breakdown {
    background: var(--gray-50);
    border-radius: var(--radius-xl);
    padding: 22px;
    margin-bottom: 28px;
}
.rb-row { display: flex; flex-direction: column; gap: 12px; }
.rb-row.multi {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
}
.rb-card {
    background: var(--white);
    padding: 16px 14px;
    border-radius: var(--radius-lg);
    text-align: center;
    border: 1px solid var(--gray-100);
}
.rb-pct {
    font-size: 40px;
    font-weight: 900;
    line-height: 1;
    color: var(--navy-900);
    letter-spacing: -0.03em;
}
.rb-pct.lg { font-size: 34px; }
.rb-pct span {
    font-size: 12px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.05em;
    display: block;
    margin-top: 4px;
}
.rb-desc {
    font-size: 12px;
    color: var(--gray-500);
    font-weight: 600;
    margin-top: 8px;
    line-height: 1.4;
}
.rb-bar {
    display: flex;
    height: 48px;
    border-radius: 999px;
    overflow: hidden;
    background: var(--white);
    border: 1px solid var(--gray-200);
}
.rb-seg {
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12.5px;
    font-weight: 700;
    color: var(--white);
    transition: all 0.3s;
}
.rb-seg.one { background: linear-gradient(90deg, var(--navy-900), var(--navy-600)); }
.rb-seg.two { background: linear-gradient(90deg, var(--blue-600), var(--blue-500)); }
.rb-seg span { padding: 0 10px; }

/* ============== FEATURED PERKS & CATEGORY REWARDS ============== */
.fc-perks {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-bottom: 32px;
}
.fp-row {
    display: flex;
    gap: 14px;
    padding: 16px 16px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
    transition: all 0.2s;
}
.fp-row:hover {
    background: var(--blue-50);
    transform: translateX(4px);
}
.fp-ic {
    width: 42px;
    height: 42px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border-radius: var(--radius-md);
    font-size: 20px;
    box-shadow: var(--shadow-xs);
}
.fp-row h4 {
    font-size: 14.5px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 2px;
}
.fp-row p {
    font-size: 12.5px;
    color: var(--gray-500);
    line-height: 1.45;
}
.fc-actions {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}
.cat-rewards {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 32px;
}
.cr-row {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 14px;
    align-items: center;
    padding: 16px 18px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
    transition: all 0.2s;
}
.cr-row:hover { background: var(--blue-50); }
.cr-row.bonus {
    background: linear-gradient(135deg, #FEF3C7 0%, var(--white) 100%);
    border: 1px solid #F59E0B;
}
.cr-ic {
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--white);
    border-radius: var(--radius-md);
    font-size: 20px;
    box-shadow: var(--shadow-xs);
}
.cr-detail strong {
    display: block;
    font-size: 15px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 2px;
}
.cr-detail span {
    font-size: 12.5px;
    color: var(--gray-500);
    line-height: 1.45;
}

/* ============== REDEMPTION GRID ============== */
.rewards-redemption-section,
.points-value-section { background: var(--white); }
.redemption-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.r-card {
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 30px 24px;
    transition: all 0.28s var(--ease-out);
}
.r-card:hover {
    transform: translateY(-5px);
    border-color: var(--blue-200);
    box-shadow: var(--shadow-xl);
}
.r-card.premium {
    background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-700) 100%);
    border-color: var(--navy-900);
    color: var(--white);
}
.r-ic {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    border-radius: var(--radius-xl);
    background: var(--blue-50);
    margin-bottom: 20px;
}
.r-card.premium .r-ic {
    background: rgba(255,255,255,0.1);
}
.r-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}
.r-card.premium h3 { color: var(--white); }
.r-card p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--gray-600);
}
.r-card.premium p { color: rgba(255,255,255,0.7); }

/* ============== PERKS 3-COL ============== */
.perks-showcase-section { background: var(--gray-50); }
.perks-3col,
.process-3col {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}
.perk-card,
.proc-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 32px 28px;
    box-shadow: var(--shadow-sm);
    transition: all 0.28s var(--ease-out);
    position: relative;
}
.perk-card:hover,
.proc-card:hover {
    transform: translateY(-5px);
    border-color: var(--blue-200);
    box-shadow: var(--shadow-xl);
}
.perk-ic {
    width: 58px;
    height: 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    border-radius: var(--radius-xl);
    background: linear-gradient(135deg, var(--blue-50), var(--blue-100));
    margin-bottom: 20px;
}
.perk-card h3,
.proc-card h3 {
    font-size: 19px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}
.perk-card p,
.proc-card p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--gray-600);
}
.proc-num {
    position: absolute;
    top: 22px;
    right: 22px;
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--navy-900), var(--navy-600));
    color: var(--white);
    border-radius: 50%;
    font-weight: 900;
    font-size: 16px;
}

/* ============== SAVINGS CALCULATOR ============== */
.savings-calc-section { background: var(--white); padding: 100px 0; }
.savings-wrap {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.savings-left h2 {
    font-size: clamp(28px, 3.2vw, 40px);
    font-weight: 900;
    line-height: 1.12;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin: 14px 0 18px;
}
.savings-left > p {
    font-size: 17px;
    color: var(--gray-600);
    line-height: 1.65;
    margin-bottom: 24px;
}
.savings-bullets {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 28px;
}
.savings-bullets li {
    display: flex;
    gap: 12px;
    align-items: center;
    font-size: 15px;
    font-weight: 500;
    color: var(--gray-700);
}
.savings-bullets li span {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
    background: var(--blue-50);
    color: var(--blue-600);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
}
.savings-panel {
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-xl);
    padding: 28px;
}
.sp-top {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--blue-600);
    margin-bottom: 22px;
    text-align: center;
}
.sp-compare {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 22px;
}
.spc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px 18px;
    border-radius: var(--radius-lg);
}
.spc-row.bad {
    background: #FEF2F2;
    border: 1px solid #FECACA;
}
.spc-row.good {
    background: #ECFDF5;
    border: 1px solid #A7F3D0;
}
.spc-lbl {
    font-size: 14px;
    font-weight: 700;
    color: var(--gray-800);
}
.spc-lbl small {
    display: block;
    font-size: 11.5px;
    font-weight: 500;
    color: var(--gray-500);
    margin-top: 2px;
}
.spc-val {
    font-size: 22px;
    font-weight: 900;
    color: #DC2626;
    line-height: 1;
}
.spc-row.good .spc-val { color: #059669; }
.spc-val small {
    font-size: 11px;
    font-weight: 500;
    color: var(--gray-500);
}
.spc-divider {
    text-align: center;
    font-size: 10px;
    font-weight: 800;
    color: var(--gray-400);
    letter-spacing: 0.1em;
    padding: 2px 0;
}
.sp-total {
    padding: 20px;
    background: linear-gradient(135deg, var(--navy-900), var(--navy-600));
    border-radius: var(--radius-xl);
    color: var(--white);
    text-align: center;
}
.sp-total > span {
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    opacity: 0.8;
    display: block;
    margin-bottom: 6px;
}
.sp-val {
    font-size: 44px;
    font-weight: 900;
    letter-spacing: -0.03em;
    line-height: 1;
    background: linear-gradient(135deg, #FFFFFF, #60B8FF);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.sp-foot {
    font-size: 11.5px;
    color: var(--gray-500);
    text-align: center;
    margin-top: 14px;
    font-style: italic;
}

/* ============== EARNINGS PANEL & TOOLS ============== */
.earnings-panel {
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-xl);
    padding: 28px;
}
.ep-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--navy-900);
}
.ep-top .ep-note {
    color: var(--gray-500);
    font-weight: 600;
    letter-spacing: 0;
    text-transform: none;
    font-size: 12px;
}
.ep-breakdown {
    display: flex;
    flex-direction: column;
    gap: 10px;
    padding: 18px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
    margin-bottom: 16px;
}
.ep-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    color: var(--gray-600);
    padding: 6px 0;
}
.ep-row strong {
    font-size: 15px;
    font-weight: 800;
    color: var(--navy-900);
}
.ep-row.bonus {
    padding-top: 10px;
    margin-top: 4px;
    border-top: 1px dashed var(--gray-200);
    color: #059669;
    font-weight: 600;
}
.ep-row.bonus strong { color: #059669; }
.ep-total {
    padding: 18px 20px;
    background: linear-gradient(135deg, var(--navy-900), var(--navy-600));
    border-radius: var(--radius-xl);
    color: var(--white);
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.ep-total > span {
    font-size: 12px;
    font-weight: 700;
    opacity: 0.85;
    letter-spacing: 0.04em;
}
.ep-val {
    font-size: 32px;
    font-weight: 900;
    letter-spacing: -0.02em;
    line-height: 1;
    background: linear-gradient(135deg, #FFFFFF, #60B8FF);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.ep-foot {
    font-size: 12.5px;
    color: var(--gray-500);
    text-align: center;
    margin-top: 14px;
}
.tools-section { background: var(--gray-50); }
.tools-4col {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.tool-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: 28px 22px;
    box-shadow: var(--shadow-sm);
    transition: all 0.28s var(--ease-out);
}
.tool-card:hover {
    transform: translateY(-5px);
    border-color: var(--blue-200);
    box-shadow: var(--shadow-xl);
}
.tool-ic {
    width: 54px;
    height: 54px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    background: var(--blue-50);
    border-radius: var(--radius-xl);
    margin-bottom: 18px;
}
.tool-card h3 {
    font-size: 17px;
    font-weight: 800;
    color: var(--navy-900);
    margin-bottom: 8px;
    letter-spacing: -0.01em;
}
.tool-card p {
    font-size: 13.5px;
    line-height: 1.55;
    color: var(--gray-600);
}

/* ============== BUSINESS SCALE ============== */
.biz-scale-section { background: var(--white); padding: 100px 0; }
.scale-wrap {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 60px;
    align-items: center;
}
.scale-left h2 {
    font-size: clamp(28px, 3.2vw, 40px);
    font-weight: 900;
    line-height: 1.12;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin: 14px 0 18px;
}
.scale-left > p {
    font-size: 17px;
    color: var(--gray-600);
    line-height: 1.65;
    margin-bottom: 28px;
}
.scale-tiers {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 32px;
}
.st-row {
    display: grid;
    grid-template-columns: 140px 1fr;
    gap: 16px;
    padding: 14px 16px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
}
.st-row:hover { background: var(--blue-50); }
.st-lbl {
    font-size: 14px;
    font-weight: 800;
    color: var(--navy-900);
}
.st-val {
    font-size: 13.5px;
    color: var(--gray-600);
    font-weight: 500;
}
.dashboard-preview {
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-xl);
    padding: 24px;
}
.dp-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--gray-100);
    margin-bottom: 20px;
    font-size: 14px;
    font-weight: 800;
    color: var(--navy-900);
}
.dp-date {
    font-size: 11.5px;
    color: var(--gray-500);
    font-weight: 600;
}
.dp-kpis {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-bottom: 22px;
}
.dp-kpi {
    padding: 14px 14px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
}
.dp-kpi small {
    display: block;
    font-size: 11px;
    color: var(--gray-500);
    font-weight: 600;
    margin-bottom: 5px;
}
.dp-kpi strong {
    font-size: 22px;
    font-weight: 900;
    color: var(--navy-900);
    letter-spacing: -0.02em;
}
.dp-kpi strong.pos { color: #059669; }
.dp-spend {
    padding: 18px;
    background: var(--gray-50);
    border-radius: var(--radius-lg);
}
.dp-spend > small {
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.05em;
    text-transform: uppercase;
    display: block;
    margin-bottom: 12px;
}
.dp-bar {
    display: flex;
    height: 18px;
    border-radius: 999px;
    overflow: hidden;
    margin-bottom: 12px;
    background: var(--white);
}
.dp-seg { background: #0088FE; }
.dp-seg.alt { background: #1E3A8A; }
.dp-seg.alt2 { background: #8B5CF6; }
.dp-seg.alt3 { background: #F59E0B; }
.dp-seg.alt4 { background: #6B7280; }
.dp-legend {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 16px;
}
.dp-legend span {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 11.5px;
    font-weight: 600;
    color: var(--gray-600);
}
.dp-legend i {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    display: inline-block;
}
.dp-legend i.s1 { background: #0088FE; }
.dp-legend i.s2 { background: #1E3A8A; }
.dp-legend i.s3 { background: #8B5CF6; }

/* ============== ALTERED OPEN SECTION BG ============== */
.open-section.alt-bg { background: var(--gray-50); }

/* ============== RESPONSIVE ============== */
@media (max-width: 1260px) {
    .mega-grid { grid-template-columns: 1fr 1fr 1fr; }
    .mega-promo {
        padding-left: 0;
        border-left: none;
        margin-top: 6px;
        grid-column: 1 / -1;
    }
}
@media (max-width: 1080px) {
    .nav-menu { display: none; }
    .hamburger { display: flex; }
    .nav-icon-btn span:last-child { display: none; }
    .nav-icon-btn { width: 42px; padding: 0; justify-content: center; }

    .hero-container,
    .product-card,
    .car-slide.active,
    .open-container,
    .footer-top {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .hero-right { order: -1; }
    .rt-pane.active { grid-template-columns: repeat(2, 1fr); }
    .support-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-cols { grid-template-columns: repeat(2, 1fr); gap: 36px; }
    .search-suggestions { grid-template-columns: 1fr; }
    .cb-content { grid-template-columns: 1fr; }
    .cards-carousel { padding: 0 48px; }
    .nav-menu.open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 76px;
        left: 0; right: 0;
        background: var(--white);
        padding: 16px 20px 24px;
        border-bottom: 1px solid var(--gray-200);
        box-shadow: var(--shadow-xl);
        align-items: stretch;
        gap: 0;
        max-height: calc(100vh - 100px);
        overflow-y: auto;
    }
    .mega-menu {
        position: static;
        transform: none !important;
        width: 100% !important;
        max-width: 100%;
        box-shadow: none;
        border: none;
        padding: 8px 0 0;
        opacity: 1;
        visibility: visible;
        display: none;
    }
    .has-mega.open .mega-menu { display: block; }
    .mega-grid { grid-template-columns: 1fr; gap: 4px; }
    .mega-promo { padding-left: 0; border-left: none; margin-top: 8px; }

    .a11y-panel {
        top: 50%;
        right: 50%;
        transform: translate(50%, -50%);
    }

    .nav-link.active::after { display: none; }
    .page-hero { padding: 56px 0 48px; }
    .ph-title { font-size: clamp(32px, 7vw, 46px); }
    .category-grid { grid-template-columns: repeat(2, 1fr); }
    .cards-grid { grid-template-columns: repeat(2, 1fr); }
    .featured-card-wrap,
    .featured-card-wrap.reverse {
        grid-template-columns: 1fr;
        gap: 36px;
    }
    .cc-visual.xl { max-width: 360px; margin: 0 auto; }
    .fc-perks { grid-template-columns: 1fr; }
    .rb-row.multi { grid-template-columns: repeat(2, 1fr); }
    .perks-3col { grid-template-columns: repeat(2, 1fr); }
    .process-3col { grid-template-columns: repeat(2, 1fr); }
    .tools-4col { grid-template-columns: repeat(2, 1fr); }
    .redemption-grid { grid-template-columns: repeat(2, 1fr); }
    .savings-wrap { grid-template-columns: 1fr; }
    .scale-wrap { grid-template-columns: 1fr; }
    .compare-wrap { overflow-x: auto; }
    .fc-offer { width: 100%; }
}

@media (max-width: 720px) {
    .container { padding: 0 20px; }
    .utility-bar { display: none; }
    .nav-container { padding: 0 20px; height: 66px; }
    .logo-img { height: 44px; }
    .nav-signon-btn .so-text { display: none; }
    .nav-signon-btn { width: 42px; padding: 0; justify-content: center; }

    .section { padding: 72px 0; }
    .hero { padding: 40px 0 56px; }
    .hero-title { font-size: clamp(34px, 10vw, 54px); }
    .hero-ctas, .cta-actions, .cc-actions, .pc-actions {
        flex-direction: column;
    }
    .hero-ctas > *, .cta-actions > *, .cc-actions > *, .pc-actions > * { width: 100%; }

    .product-card { padding: 36px 24px; gap: 30px; }
    .debit-card {
        width: 100%;
        max-width: 320px;
        height: 205px;
        padding: 20px 22px;
    }
    .dc-num { font-size: 17px; margin-top: 48px; }

    .rt-pane.active { grid-template-columns: 1fr; }
    .rate-card.featured { transform: none; }
    .rate-card.featured:hover { transform: translateY(-4px); }
    .rate-num { font-size: 46px; }

    .support-grid { grid-template-columns: 1fr; }
    .cards-carousel { padding: 0 42px; }
    .cc-visual { height: 260px; }
    .car-slide.active { padding: 28px 22px; gap: 28px; }
    .cc-visual .cc-chip { width: 34px; height: 26px; top: 24px; left: 24px; }
    .cc-visual .cc-brand { top: 24px; right: 24px; font-size: 14px; }
    .cc-visual .cc-num { bottom: 32px; left: 24px; right: 24px; font-size: 14px; }
    .cc-visual .cc-name { bottom: 64px; left: 24px; font-size: 11px; }

    .footer-cols { grid-template-columns: 1fr 1fr; }
    .fcr-form { min-width: 100%; }

    .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
    .cb-actions { justify-content: flex-end; }
    .back-to-top {
        right: 14px;
    }

    .car-arrow { width: 40px; height: 40px; font-size: 24px; }
    .search-overlay { padding-top: 80px; }

    .page-hero { padding: 40px 0 40px; }
    .ph-eyebrow { font-size: 11px; letter-spacing: 0.12em; }
    .ph-title { font-size: clamp(28px, 10vw, 38px); }
    .ph-sub { font-size: 15px; line-height: 1.6; }
    .ph-ribbon { font-size: 12px; padding: 8px 14px; }
    .ph-ctas { flex-direction: column; }
    .ph-ctas > * { width: 100%; }

    .section-head .section-title { font-size: clamp(24px, 7vw, 32px); }
    .section-head .section-sub { font-size: 15px; }

    .category-grid { grid-template-columns: 1fr; }
    .cards-grid { grid-template-columns: 1fr; }
    .rb-row.multi { grid-template-columns: 1fr; }
    .perks-3col { grid-template-columns: 1fr; }
    .process-3col { grid-template-columns: 1fr; }
    .tools-4col { grid-template-columns: 1fr; }
    .redemption-grid { grid-template-columns: 1fr; }

    .cc-visual.xl { height: 280px; max-width: 300px; }
    .cc-visual.xl .cc-chip { width: 38px; height: 30px; top: 24px; left: 24px; }
    .cc-visual.xl .cc-brand { top: 24px; right: 24px; font-size: 15px; }
    .cc-visual.xl .cc-num { bottom: 32px; left: 24px; right: 24px; font-size: 15px; }
    .cc-visual.xl .cc-name { bottom: 64px; left: 24px; font-size: 12px; }

    .fc-title { font-size: 22px; }
    .fc-header .fc-annual { flex-direction: column; align-items: flex-start; gap: 6px; }
    .fc-offer { padding: 14px 16px; }
    .sp-val { font-size: 22px; }

    .compare-table .th-card .btn-primary,
    .compare-table .th-card .btn-outline {
        width: 120px;
        font-size: 12px;
        padding: 8px 10px;
    }

    .earnings-panel,
    .savings-calc { padding: 22px; }
    .dashboard-preview { padding: 18px; }
    .dp-tiles { grid-template-columns: repeat(2, 1fr); }
    .scale-card { padding: 22px 18px; }
    .biz-scale-section .scale-wrap { gap: 20px; }
}

@media (max-width: 520px) {
    .footer-cols { grid-template-columns: 1fr; }
    .cc-row { grid-template-columns: 1fr 1fr; }
    .plp-rate-box { grid-template-columns: 1fr; }
    .plp-rate-box > *:nth-child(3) { grid-column: span 1; }
    .sv-grid { grid-template-columns: repeat(2, 1fr); }
    .rc-pct { font-size: 40px; }
    .fs-row { gap: 8px; }
    .fs-badge { padding: 6px 12px; font-size: 11px; }
    .card-showcase .section-head { margin-bottom: 40px; }
}

/* ============== AUTH PAGES ============== */
.auth-page-section {
    position: relative;
    padding: 72px 0 64px;
    overflow: hidden;
}
.auth-page-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 45%, var(--blue-700) 100%);
    z-index: 0;
}
.auth-container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 56px;
    align-items: start;
}
.auth-left {
    color: var(--white);
    padding-top: 20px;
}
.auth-left-inner { max-width: 520px; }
.auth-heading {
    font-size: clamp(34px, 4.2vw, 52px);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin: 14px 0 20px;
}
.text-gradient-light {
    background: linear-gradient(90deg, #60B8FF 0%, #A7D4FF 50%, #FFFFFF 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
}
.auth-sub {
    font-size: 17px;
    line-height: 1.7;
    color: rgba(255,255,255,0.82);
    margin-bottom: 28px;
}
.auth-benefits {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-top: 28px;
}
.ab-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 16px 18px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-lg);
    backdrop-filter: blur(8px);
    transition: all 0.2s var(--ease);
}
.ab-item:hover {
    background: rgba(255,255,255,0.10);
    border-color: rgba(255,255,255,0.22);
    transform: translateY(-2px);
}
.ab-ic {
    width: 40px; height: 40px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255,255,255,0.12);
    border-radius: 10px;
    font-size: 18px;
}
.ab-item strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 2px;
}
.ab-item p {
    font-size: 13.5px;
    color: rgba(255,255,255,0.74);
    margin: 0;
    line-height: 1.5;
}
.offer-card {
    background: linear-gradient(135deg, #FFFFFF 0%, #F2F8FF 100%);
    border-radius: var(--radius-xl);
    padding: 22px 24px;
    box-shadow: 0 20px 50px rgba(0,0,0,0.25);
    margin-bottom: 8px;
    position: relative;
    overflow: hidden;
}
.offer-card::after {
    content: '';
    position: absolute;
    top: -40px; right: -40px;
    width: 140px; height: 140px;
    background: radial-gradient(circle, rgba(0,136,254,0.14) 0%, transparent 70%);
    border-radius: 50%;
}
.oc-badge {
    display: inline-block;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 5px 12px;
    background: linear-gradient(90deg, var(--amber-500), #FF8A3D);
    color: var(--white);
    border-radius: 999px;
    margin-bottom: 12px;
}
.oc-amount {
    font-size: 48px;
    font-weight: 900;
    letter-spacing: -0.03em;
    color: var(--navy-900);
    line-height: 1;
    margin-bottom: 8px;
}
.oc-desc {
    font-size: 13.5px;
    line-height: 1.6;
    color: var(--gray-700);
    position: relative;
    z-index: 1;
}

.auth-right {
    display: flex;
    flex-direction: column;
    gap: 18px;
}
.auth-card {
    background: var(--white);
    border-radius: var(--radius-2xl);
    box-shadow: 0 30px 60px rgba(10,22,51,0.25);
    overflow: hidden;
}
.sc-card .sc-head {
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-700) 100%);
    padding: 26px 28px 24px;
    text-align: center;
    color: var(--white);
}
.sc-logo-badge {
    width: 52px; height: 52px;
    margin: 0 auto 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    background: rgba(255,255,255,0.14);
    border: 1px solid rgba(255,255,255,0.25);
    border-radius: 14px;
    backdrop-filter: blur(6px);
}
.sc-card .sc-title {
    font-size: 20px;
    font-weight: 800;
    letter-spacing: -0.015em;
    margin-bottom: 3px;
}
.sc-card .sc-sub {
    font-size: 13.5px;
    color: rgba(255,255,255,0.74);
    font-weight: 500;
}
.sc-card .sc-body {
    padding: 28px 28px 26px;
}
.auth-form .row-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}
.auth-form .row-2 .sc-input {
    margin-bottom: 16px;
}
.stepper-row {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    padding: 18px 28px 0;
    background: var(--white);
}
.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    flex: 0 0 auto;
}
.step span {
    width: 32px; height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gray-100);
    color: var(--gray-500);
    border-radius: 50%;
    font-weight: 800;
    font-size: 14px;
    border: 2px solid var(--gray-200);
    transition: all 0.2s var(--ease);
}
.step.active span {
    background: var(--navy-900);
    color: var(--white);
    border-color: var(--navy-900);
    box-shadow: 0 0 0 4px var(--blue-100);
}
.step label {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--gray-500);
    letter-spacing: 0.02em;
}
.step.active label {
    color: var(--navy-900);
}
.step-line {
    flex: 1;
    max-width: 60px;
    height: 2px;
    background: var(--gray-200);
    margin: 0 10px;
    transform: translateY(-12px);
}
.pw-hints {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 6px 12px;
    margin: -6px 0 14px;
}
.hint {
    font-size: 12px;
    color: var(--gray-500);
    font-weight: 500;
}
.hint.ok {
    color: var(--green-600);
    font-weight: 700;
}

.auth-alt-card {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 22px;
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-md);
}
.auth-alt-card strong {
    font-size: 14px;
    font-weight: 800;
    color: var(--navy-900);
    flex-shrink: 0;
}
.auth-alt-card span {
    flex: 1;
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.5;
}

@media (max-width: 1080px) {
    .auth-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .auth-left { padding-top: 0; }
    .auth-left-inner { max-width: 100%; }
}
@media (max-width: 640px) {
    .auth-page-section { padding: 48px 0 40px; }
    .auth-form .row-2 { grid-template-columns: 1fr; gap: 0; }
    .pw-hints { grid-template-columns: 1fr; }
    .auth-alt-card { flex-direction: column; align-items: flex-start; gap: 10px; }
    .auth-alt-card span { width: 100%; }
    .oc-amount { font-size: 38px; }
    .sc-card .sc-body { padding: 22px 20px 22px; }
    .sc-card .sc-head { padding: 22px 20px 20px; }
    .stepper-row { padding: 16px 18px 0; }
    .step-line { max-width: 32px; margin: 0 6px; }
}