/* =============================================================
   1. Tokens
   ============================================================= */
:root {
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --display: "Lexend", "Inter", -apple-system, "Segoe UI", sans-serif;
  --mono: "JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, monospace;

  --bg: #f6f8f7;
  --bg-alt: #ffffff;
  --bg-raised: #ffffff;
  --navy: #0f2436;
  --navy-soft: #16324a;
  --ink: #10181f;
  --ink-soft: #55636b;
  --ink-faint: #8b969c;
  --line: #e2e8e6;
  --line-soft: #edf1ef;

  --accent: #1f7a5c;
  --accent-hover: #196549;
  --accent-ink: #ffffff;
  --accent-soft: #e7f4ee;
  --accent-soft-line: #bfe2d0;

  --ok: #1f7a5c;
  --ok-soft: #e7f4ee;
  --warn: #a35b12;
  --warn-soft: #fdf1e2;
  --danger: #b23a3a;
  --danger-soft: #fbe9e9;

  --chart-principal: #1f7a5c;
  --chart-interest: #d98c3b;

  --radius-s: 8px;
  --radius-m: 14px;
  --radius-l: 22px;
  --shadow-card: 0 1px 2px rgba(15,36,54,.05), 0 10px 30px -14px rgba(15,36,54,.18);
  --shadow-pop: 0 20px 60px -20px rgba(15,36,54,.4);

  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0d1418;
    --bg-alt: #131c22;
    --bg-raised: #17222a;
    --navy: #0a1520;
    --navy-soft: #0f2030;
    --ink: #eef3f1;
    --ink-soft: #aebbb7;
    --ink-faint: #74827e;
    --line: #223029;
    --line-soft: #1a2621;
    --accent: #35b884;
    --accent-hover: #4fd29d;
    --accent-ink: #06140f;
    --accent-soft: #10281f;
    --accent-soft-line: #1f4636;
    --ok-soft: #10281f;
    --warn-soft: #33230c;
    --danger-soft: #341313;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0d1418; --bg-alt: #131c22; --bg-raised: #17222a;
  --navy: #0a1520; --navy-soft: #0f2030;
  --ink: #eef3f1; --ink-soft: #aebbb7; --ink-faint: #74827e;
  --line: #223029; --line-soft: #1a2621;
  --accent: #35b884; --accent-hover: #4fd29d; --accent-ink: #06140f;
  --accent-soft: #10281f; --accent-soft-line: #1f4636;
  --ok-soft: #10281f; --warn-soft: #33230c; --danger-soft: #341313;
  color-scheme: dark;
}

/* =============================================================
   2. Reset & base
   ============================================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; }
html { -webkit-text-size-adjust: 100%; tab-size: 2; overflow-x: clip; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  background: var(--bg); color: var(--ink); font-family: var(--sans);
  font-size: 16px; line-height: 1.6; -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility;
  overflow-x: clip; overscroll-behavior-y: none;
}
img, svg, video, canvas { display: block; max-width: 100%; }
button { font: inherit; color: inherit; cursor: pointer; border: 0; background: none; }
a { color: inherit; text-decoration: none; }
p { text-wrap: pretty; }
h1, h2, h3, h4 { font-family: var(--display); text-wrap: balance; line-height: 1.12; letter-spacing: -0.01em; font-weight: 600; }
ul, ol { list-style: none; padding: 0; }
input, select, textarea { font: inherit; color: inherit; }
table { border-collapse: collapse; width: 100%; }
::selection { background: var(--accent); color: var(--accent-ink); }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }

.skip-link {
  position: fixed; top: -100px; left: 1rem; padding: .6rem 1rem;
  background: var(--navy); color: #fff; z-index: 9999; border-radius: 8px;
  font-weight: 600; transition: top .2s var(--ease-out);
}
.skip-link:focus { top: 1rem; }

/* =============================================================
   3. Utilities
   ============================================================= */
.container { width: 100%; max-width: 1180px; margin-inline: auto; padding-inline: 1.25rem; }
.container-narrow { width: 100%; max-width: 860px; margin-inline: auto; padding-inline: 1.25rem; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .4rem; font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--accent); }
.section-head { max-width: 66ch; margin-bottom: 2rem; }
.section-head h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); margin-top: .5rem; }
.section-head p { color: var(--ink-soft); margin-top: .6rem; font-size: 1.02rem; }
section { padding-block: clamp(2.6rem, 5vw, 4.5rem); }
.badge-pro {
  display: inline-flex; align-items: center; gap: .3rem; font-size: .68rem; font-weight: 800;
  letter-spacing: .04em; text-transform: uppercase; color: var(--accent); background: var(--accent-soft);
  border: 1px solid var(--accent-soft-line); padding: .18rem .5rem; border-radius: 999px;
}

/* =============================================================
   4. Buttons & form controls
   ============================================================= */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .8rem 1.3rem; border-radius: 10px; font-weight: 600; font-size: .96rem;
  transition: transform .18s var(--ease-out), background .18s var(--ease-out), box-shadow .18s var(--ease-out), border-color .18s var(--ease-out);
  border: 1px solid transparent; white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--accent); color: var(--accent-ink); box-shadow: 0 10px 24px -10px rgba(31,122,92,.5); }
.btn-primary:hover { background: var(--accent-hover); }
.btn-secondary { background: var(--bg-alt); color: var(--ink); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--ink-faint); }
.btn-ghost { background: transparent; color: var(--ink-soft); }
.btn-ghost:hover { color: var(--ink); }
.btn-block { width: 100%; }
.btn-lg { padding: 1rem 1.6rem; font-size: 1.02rem; }
.btn[disabled] { opacity: .5; pointer-events: none; }

.field { display: flex; flex-direction: column; gap: .35rem; }
.field label { font-size: .84rem; font-weight: 600; color: var(--ink-soft); }
.field input[type="text"], .field input[type="number"], .field select {
  padding: .68rem .8rem; border-radius: var(--radius-s); border: 1px solid var(--line);
  background: var(--bg-alt); color: var(--ink); font-size: .96rem;
  transition: border-color .16s var(--ease-out), box-shadow .16s var(--ease-out);
}
.field input:focus, .field select:focus { border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-soft); outline: none; }
.field-hint { font-size: .76rem; color: var(--ink-faint); }
.input-suffix { position: relative; }
.input-suffix span { position: absolute; right: .8rem; top: 50%; transform: translateY(-50%); color: var(--ink-faint); font-size: .84rem; pointer-events: none; }
.input-suffix input { padding-right: 2.2rem; }

.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (max-width: 539px) { .form-grid { grid-template-columns: 1fr; } }

.tab-group { display: inline-flex; padding: .25rem; background: var(--line-soft); border-radius: 10px; gap: .2rem; }
.tab-btn { padding: .5rem 1rem; border-radius: 8px; font-size: .86rem; font-weight: 600; color: var(--ink-soft); transition: all .16s var(--ease-out); }
.tab-btn[aria-selected="true"] { background: var(--bg-alt); color: var(--ink); box-shadow: var(--shadow-card); }

/* =============================================================
   5. Header & nav
   ============================================================= */
.site-header { position: sticky; top: 0; z-index: 40; background: color-mix(in srgb, var(--bg) 90%, transparent); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
@supports not (backdrop-filter: blur(1px)) { .site-header { background: var(--bg); } }
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 64px; gap: 1rem; }
.brand { display: flex; align-items: center; gap: .5rem; font-family: var(--display); font-weight: 700; font-size: 1.1rem; flex: none; }
.brand .brand-mark { width: 30px; height: 30px; border-radius: 8px; background: var(--navy); color: #fff; display: grid; place-items: center; font-size: .68rem; font-weight: 800; letter-spacing: -.02em; }
.header-nav { display: none; gap: 1.2rem; font-size: .88rem; font-weight: 600; color: var(--ink-soft); }
.header-nav a:hover { color: var(--ink); }
@media (min-width: 860px) { .header-nav { display: flex; align-items: center; } }
.nav-more { position: relative; }
.nav-more-panel {
  position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%);
  background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m);
  box-shadow: var(--shadow-pop); padding: .6rem; width: 300px; display: none; z-index: 50;
}
.nav-more:hover .nav-more-panel, .nav-more:focus-within .nav-more-panel { display: grid; grid-template-columns: 1fr 1fr; gap: .2rem; }
.nav-more-panel a { display: block; padding: .5rem .6rem; border-radius: 8px; font-size: .84rem; }
.nav-more-panel a:hover { background: var(--line-soft); color: var(--ink); }
.header-cta { display: flex; align-items: center; gap: .6rem; flex: none; }
.header-cta .btn { padding: .55rem 1rem; font-size: .86rem; }
.mobile-menu-btn { display: inline-flex; width: 38px; height: 38px; border-radius: 8px; align-items: center; justify-content: center; border: 1px solid var(--line); }
@media (min-width: 860px) { .mobile-menu-btn { display: none; } }
.mobile-menu {
  display: none; position: fixed; inset: 64px 0 0 0; background: var(--bg); z-index: 39; overflow-y: auto;
  padding: 1.2rem; border-top: 1px solid var(--line);
}
.mobile-menu.is-open { display: block; }
.mobile-menu a { display: block; padding: .9rem 0; border-bottom: 1px solid var(--line-soft); font-weight: 600; }

/* breadcrumbs */
.breadcrumbs { font-size: .8rem; color: var(--ink-faint); padding-block: 1rem .5rem; }
.breadcrumbs a:hover { color: var(--ink); }
.breadcrumbs span { margin: 0 .35rem; }

/* =============================================================
   6. Hero (per tool page) + calculator card
   ============================================================= */
.hero { padding-block: clamp(1.6rem, 4vw, 2.6rem) .5rem; }
.hero-head { max-width: 74ch; margin-bottom: 1.4rem; }
.hero-head h1 { font-size: clamp(1.7rem, 4vw, 2.6rem); }
.hero-head p { margin-top: .6rem; font-size: clamp(1rem, 1.5vw, 1.1rem); color: var(--ink-soft); max-width: 60ch; }
.trust-row { display: flex; flex-wrap: wrap; gap: .5rem 1.2rem; margin-top: 1rem; font-size: .82rem; color: var(--ink-soft); }
.trust-row .trust-item { display: flex; align-items: center; gap: .4rem; }
.trust-row svg { color: var(--accent); flex: none; }

.calc-card { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-l); box-shadow: var(--shadow-card); padding: clamp(1.1rem, 3vw, 1.8rem); }
.calc-grid { display: grid; gap: 1.6rem; grid-template-columns: 1fr; }
@media (min-width: 960px) { .calc-grid { grid-template-columns: minmax(0,1fr) minmax(340px, 420px); align-items: start; } }
.calc-form { display: flex; flex-direction: column; gap: 1.3rem; }
.form-section h3 { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--ink-faint); margin-bottom: .7rem; }
.form-section-body { display: flex; flex-direction: column; gap: .85rem; }

.result-panel { position: sticky; top: 84px; display: flex; flex-direction: column; gap: 1rem; }
.result-box { background: var(--navy); color: #fff; border-radius: var(--radius-m); padding: 1.3rem; }
.result-box .result-big { font-family: var(--display); font-size: clamp(1.8rem, 4vw, 2.3rem); font-weight: 700; }
.result-box .result-label { font-size: .8rem; color: rgba(255,255,255,.7); margin-top: .2rem; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; margin-top: 1.1rem; }
.result-stat { }
.result-stat .v { font-weight: 700; font-size: 1.05rem; }
.result-stat .l { font-size: .74rem; color: rgba(255,255,255,.65); }
.result-actions { display: flex; gap: .6rem; flex-wrap: wrap; }
.result-actions .btn { flex: 1 1 auto; }

.mini-panel { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 1rem; }
.mini-panel h4 { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--ink-faint); margin-bottom: .6rem; }

.chart-wrap { width: 100%; height: 220px; }
.chart-legend { display: flex; gap: 1rem; font-size: .78rem; color: var(--ink-soft); margin-top: .5rem; }
.chart-legend .dot { width: 9px; height: 9px; border-radius: 999px; display: inline-block; margin-right: .35rem; }

/* amortization table */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-m); }
.amort-table { font-size: .84rem; min-width: 560px; }
.amort-table th { text-align: right; padding: .6rem .7rem; background: var(--line-soft); font-weight: 700; color: var(--ink-soft); position: sticky; top: 0; }
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-table td { text-align: right; padding: .5rem .7rem; border-top: 1px solid var(--line-soft); }
.amort-table tbody tr:hover { background: var(--line-soft); }
.table-scroll-body { max-height: 420px; overflow-y: auto; }

.extra-payments-list { display: flex; flex-direction: column; gap: .5rem; }
.extra-payment-row { display: flex; gap: .5rem; align-items: center; }
.extra-payment-row input { flex: 1; }
.extra-payment-row button { flex: none; color: var(--danger); font-size: .8rem; font-weight: 600; }

.privacy-badge { display: flex; align-items: center; gap: .5rem; margin-top: 1rem; font-size: .82rem; color: var(--ink-soft); }
.privacy-badge svg { flex: none; color: var(--ok); }

/* =============================================================
   7. Ad slots (placeholders only)
   ============================================================= */
.ad-slot { display: flex; align-items: center; justify-content: center; text-align: center; border: 1px dashed var(--line); border-radius: var(--radius-m); background: var(--bg-alt); color: var(--ink-faint); font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.ad-slot span { display: flex; flex-direction: column; gap: .2rem; }
.ad-slot small { font-size: .68rem; font-weight: 500; letter-spacing: normal; text-transform: none; }
.ad-top { min-height: 90px; margin-block: .8rem 1.6rem; }
.ad-below-calc { min-height: 90px; margin-block: 2rem; }
.ad-between { min-height: 250px; margin-block: 1rem; max-width: 728px; margin-inline: auto; }
.ad-before-secondary { min-height: 120px; margin-block: 1.4rem; }
.ad-sidebar { min-height: 600px; display: none; }
@media (min-width: 1180px) {
  .with-sidebar { display: grid; grid-template-columns: 1fr 300px; gap: 2rem; align-items: start; }
  .ad-sidebar { display: flex; position: sticky; top: 84px; }
}

/* =============================================================
   8. Pricing
   ============================================================= */
.plans-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr; }
@media (min-width: 860px) { .plans-grid { grid-template-columns: repeat(3, 1fr); align-items: stretch; } }
.plan-card { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-l); padding: 1.6rem; display: flex; flex-direction: column; gap: 1rem; position: relative; }
.plan-card.is-featured { border-color: var(--accent); box-shadow: 0 0 0 2px var(--accent) inset, var(--shadow-card); }
.plan-badge { position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--accent); color: var(--accent-ink); font-size: .72rem; font-weight: 800; padding: .3rem .8rem; border-radius: 999px; }
.plan-name { font-size: .82rem; font-weight: 700; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .05em; }
.plan-price { font-family: var(--display); font-size: 2.2rem; font-weight: 700; }
.plan-price sup { font-size: 1rem; font-weight: 600; }
.plan-price small { font-size: .9rem; font-weight: 500; color: var(--ink-faint); }
.plan-sub { font-size: .78rem; color: var(--ink-faint); }
.plan-features { display: flex; flex-direction: column; gap: .55rem; font-size: .88rem; }
.plan-features li { display: flex; gap: .5rem; align-items: flex-start; }
.plan-features svg { flex: none; margin-top: .2rem; color: var(--accent); }
.plan-note { font-size: .72rem; color: var(--ink-faint); text-align: center; }

.compare-table-wrap { overflow-x: auto; margin-top: 2rem; }
.compare-table { min-width: 640px; font-size: .88rem; }
.compare-table th, .compare-table td { padding: .7rem .9rem; border-bottom: 1px solid var(--line-soft); text-align: center; }
.compare-table th:first-child, .compare-table td:first-child { text-align: left; color: var(--ink-soft); }
.compare-table thead th { font-weight: 700; }

/* =============================================================
   9. Cross-sell, tools hub, saved
   ============================================================= */
.tools-grid { display: grid; gap: 1rem; grid-template-columns: 1fr; }
@media (min-width: 720px) { .tools-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .tools-grid { grid-template-columns: repeat(3, 1fr); } }
.tool-card { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 1.3rem; display: flex; flex-direction: column; gap: .6rem; transition: transform .18s var(--ease-out), border-color .18s var(--ease-out); }
.tool-card:hover { transform: translateY(-2px); border-color: var(--accent-soft-line); }
.tool-icon { width: 42px; height: 42px; border-radius: 10px; background: var(--accent-soft); color: var(--accent); display: grid; place-items: center; }
.tool-card h3 { font-size: 1rem; }
.tool-card p { color: var(--ink-soft); font-size: .88rem; }

.cross-sell { background: var(--accent-soft); border: 1px solid var(--accent-soft-line); border-radius: var(--radius-m); padding: 1.3rem; margin-top: 1.5rem; }
.cross-sell h3 { font-size: 1rem; margin-bottom: .8rem; }
.cross-sell-links { display: flex; gap: .8rem; flex-wrap: wrap; }
.cross-sell-links a { display: inline-flex; align-items: center; gap: .4rem; background: var(--bg-alt); border: 1px solid var(--line); border-radius: 999px; padding: .5rem 1rem; font-size: .86rem; font-weight: 600; }
.cross-sell-links a:hover { border-color: var(--accent); color: var(--accent); }

.saved-list { display: flex; flex-direction: column; gap: .8rem; }
.saved-item { display: flex; align-items: center; justify-content: space-between; gap: 1rem; background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 1rem 1.2rem; flex-wrap: wrap; }
.saved-item .meta { display: flex; flex-direction: column; gap: .15rem; }
.saved-item .meta strong { font-size: .95rem; }
.saved-item .meta span { font-size: .78rem; color: var(--ink-faint); }
.saved-item .actions { display: flex; gap: .5rem; align-items: center; }
.saved-item input[type="checkbox"] { width: 18px; height: 18px; }
.empty-state { text-align: center; padding: 3rem 1rem; color: var(--ink-faint); }

/* =============================================================
   10. Steps / education / faq
   ============================================================= */
.steps-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr; }
@media (min-width: 720px) { .steps-grid { grid-template-columns: repeat(3, 1fr); } }
.step-card { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 1.4rem; display: flex; flex-direction: column; gap: .6rem; }
.step-card h3 { font-size: 1.02rem; }
.step-card p { color: var(--ink-soft); font-size: .9rem; }

.edu-box { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 1.4rem; }
.edu-box h3 { font-size: 1rem; margin-bottom: .5rem; }
.edu-box p { color: var(--ink-soft); font-size: .92rem; margin-bottom: .6rem; }
.disclaimer-box { background: var(--warn-soft); color: var(--warn); border-radius: var(--radius-m); padding: 1rem 1.2rem; font-size: .84rem; margin-top: 1rem; display: flex; gap: .6rem; align-items: flex-start; }
.disclaimer-box svg { flex: none; margin-top: .1rem; }

.faq-list { display: flex; flex-direction: column; gap: .7rem; max-width: 80ch; }
.faq-item { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-m); padding: .3rem 1.2rem; }
.faq-item summary { cursor: pointer; padding-block: .95rem; font-weight: 600; font-size: .98rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .chev { transition: transform .2s var(--ease-out); color: var(--ink-faint); flex: none; }
.faq-item[open] summary .chev { transform: rotate(45deg); }
.faq-item p { padding-bottom: 1rem; color: var(--ink-soft); font-size: .92rem; }

.seo-copy { max-width: 78ch; display: flex; flex-direction: column; gap: 1rem; color: var(--ink-soft); }
.seo-copy h2 { color: var(--ink); font-size: clamp(1.3rem, 2.6vw, 1.7rem); }
.seo-copy h3 { color: var(--ink); font-size: 1.05rem; margin-top: .4rem; }

/* =============================================================
   11. Home hero (navy)
   ============================================================= */
.home-hero { background: var(--navy); color: #fff; padding-block: clamp(3rem, 7vw, 5.5rem); }
.home-hero .eyebrow { color: #7fd6ae; }
.home-hero h1 { font-size: clamp(2rem, 5vw, 3.4rem); color: #fff; }
.home-hero p { color: rgba(255,255,255,.78); font-size: clamp(1.02rem, 1.6vw, 1.2rem); max-width: 60ch; margin-top: .8rem; }
.home-hero .btn-primary { margin-top: 1.6rem; }
.home-stats { display: flex; gap: 2.4rem; margin-top: 2.2rem; flex-wrap: wrap; }
.home-stats .stat b { display: block; font-family: var(--display); font-size: 1.8rem; color: #fff; }
.home-stats .stat span { font-size: .8rem; color: rgba(255,255,255,.65); }

/* =============================================================
   12. Footer
   ============================================================= */
.site-footer { border-top: 1px solid var(--line); padding-block: 2.4rem; margin-top: 2rem; }
.footer-grid { display: flex; flex-wrap: wrap; gap: 1.4rem; justify-content: space-between; align-items: center; }
.footer-links { display: flex; flex-wrap: wrap; gap: 1.1rem; font-size: .86rem; color: var(--ink-soft); }
.footer-links a:hover { color: var(--ink); }
.footer-cols { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; margin-top: 1.5rem; }
@media (min-width: 720px) { .footer-cols { grid-template-columns: repeat(4, 1fr); } }
.footer-cols h4 { font-size: .76rem; text-transform: uppercase; letter-spacing: .05em; color: var(--ink-faint); margin-bottom: .7rem; }
.footer-cols a { display: block; font-size: .86rem; color: var(--ink-soft); padding-block: .3rem; }
.footer-cols a:hover { color: var(--ink); }
.footer-credits { font-size: .76rem; color: var(--ink-faint); margin-top: 1.5rem; max-width: 70ch; }
.footer-note { font-size: .82rem; color: var(--ink-faint); }

/* legal pages */
.legal-page { padding-block: 3rem; max-width: 74ch; margin-inline: auto; }
.legal-page h1 { font-size: 1.8rem; margin-bottom: 1rem; }
.legal-page h2 { font-size: 1.15rem; margin-top: 1.6rem; margin-bottom: .5rem; }
.legal-page p, .legal-page li { color: var(--ink-soft); font-size: .95rem; margin-bottom: .6rem; }
.legal-page ul { list-style: disc; padding-left: 1.4rem; }

/* =============================================================
   13. No-JS fallback
   ============================================================= */
.no-js-note { display: none; padding: 1rem; border-radius: var(--radius-m); background: var(--warn-soft); color: var(--warn); font-size: .88rem; margin-bottom: 1rem; }
html:not(.is-ready) .js-only { display: none !important; }
html:not(.is-ready) .no-js-note { display: block; }