/* ============================================================
   Bank of America reimagined · "Skyline at Dusk"
   ============================================================ */

@font-face {
  font-family: 'Serif Display';
  src: url('../assets/fonts/serif4.woff2') format('woff2');
  font-weight: 200 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Serif Display';
  src: url('../assets/fonts/serif4-italic.woff2') format('woff2');
  font-weight: 200 900;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: 'Inter';
  src: url('../assets/fonts/inter.woff2') format('woff2');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}

:root {
  --ink: #10142b;
  --ink-deep: #0a0e24;
  --navy: #012169;
  --crimson: #d82027;
  --ember: #e2574c;
  --gold: #e8b04b;
  --paper: #f7f2e9;
  --paper-2: #efe6d6;
  --mist: #cfd4de;
  --light: #f6f1e7;
  --light-dim: rgba(246, 241, 231, 0.72);
  --ink-soft: #3a3f55;
  --serif: 'Serif Display', 'Iowan Old Style', Georgia, serif;
  --sans: 'Inter', -apple-system, 'Segoe UI', Helvetica, Arial, sans-serif;
  --ease-out: cubic-bezier(0.19, 0.66, 0.22, 1);
  --shadow-lg: 0 30px 80px -20px rgba(6, 9, 30, 0.55);
  --radius: 18px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--ink-deep);
  color: var(--light);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.skip-link {
  position: absolute; left: 1rem; top: -4rem; z-index: 200;
  background: var(--gold); color: var(--ink); padding: 0.6rem 1rem;
  border-radius: 8px; font-weight: 600; transition: top 0.25s var(--ease-out);
}
.skip-link:focus { top: 1rem; }

/* film grain for the cinematic register */
.grain {
  position: fixed; inset: -50%; z-index: 90; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.55'/%3E%3C/svg%3E");
  opacity: 0.05; mix-blend-mode: overlay;
  animation: grainShift 1.2s steps(3) infinite;
}
@keyframes grainShift {
  0% { transform: translate(0, 0); }
  33% { transform: translate(-2%, 1%); }
  66% { transform: translate(1%, -2%); }
  100% { transform: translate(0, 0); }
}

.progress {
  position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 120;
  background: transparent; pointer-events: none;
}
.progress span {
  display: block; height: 100%; width: 0;
  background: linear-gradient(90deg, var(--crimson), var(--gold));
}

/* ---------------- typography ---------------- */
.display-xl, .display-lg, .display-md {
  font-family: var(--serif);
  font-weight: 590;
  line-height: 1.06;
  letter-spacing: -0.015em;
  text-wrap: balance;
}
.display-xl { font-size: clamp(2.7rem, 6.2vw, 5.2rem); }
.display-lg { font-size: clamp(2rem, 4.2vw, 3.4rem); }
.display-md { font-size: clamp(1.35rem, 2.4vw, 1.8rem); }
.display-xl em, .display-lg em, .display-md em {
  font-style: italic; font-weight: 480;
  color: var(--gold);
}
.section-light .display-lg em, .section-light .display-md em { color: var(--crimson); }

.eyebrow {
  font-size: 0.78rem; font-weight: 650; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--crimson); margin-bottom: 1.1rem;
}
.eyebrow-light { color: var(--gold); }

.lede { font-size: clamp(1.05rem, 1.75vw, 1.3rem); line-height: 1.55; max-width: 42rem; }
.body-lg { font-size: clamp(1rem, 1.5vw, 1.15rem); line-height: 1.65; max-width: 40rem; }
.body-sm { font-size: 0.9rem; }
.dim { opacity: 0.72; }
.dim-light { color: var(--light-dim); }

/* ---------------- reveal choreography ---------------- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  filter: blur(7px);
  transition:
    opacity 1.05s var(--ease-out),
    transform 1.05s var(--ease-out),
    filter 1.05s var(--ease-out);
  will-change: opacity, transform, filter;
}
.reveal.in { opacity: 1; transform: none; filter: blur(0); }

/* ---------------- buttons ---------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0.78rem 1.5rem; border-radius: 999px; border: 0;
  font-weight: 620; font-size: 0.95rem; letter-spacing: 0.01em;
  transition: transform 0.35s var(--ease-out), background 0.35s var(--ease-out),
              color 0.35s var(--ease-out), box-shadow 0.35s var(--ease-out);
}
.btn:active { transform: translateY(1px) scale(0.99); }
.btn-lg { padding: 1rem 2rem; font-size: 1.02rem; }
.btn-solid {
  background: linear-gradient(120deg, var(--crimson), #b3131b);
  color: #fff; box-shadow: 0 12px 30px -10px rgba(216, 32, 39, 0.55);
}
.btn-solid:hover { transform: translateY(-2px); box-shadow: 0 18px 40px -10px rgba(216, 32, 39, 0.65); }
.btn-line {
  border: 1px solid rgba(246, 241, 231, 0.45); color: var(--light);
  background: rgba(255, 255, 255, 0.05); backdrop-filter: blur(8px);
}
.btn-line:hover { background: rgba(255, 255, 255, 0.14); border-color: rgba(246, 241, 231, 0.8); }
.btn-ghost { color: var(--light); padding: 0.6rem 1rem; }
.btn-ghost:hover { color: var(--gold); }

/* ---------------- nav ---------------- */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 110;
  transition: background 0.5s var(--ease-out), box-shadow 0.5s var(--ease-out),
              border-color 0.5s var(--ease-out);
  border-bottom: 1px solid transparent;
}
.nav.scrolled {
  background: rgba(10, 14, 36, 0.72);
  backdrop-filter: blur(20px) saturate(150%);
  -webkit-backdrop-filter: blur(20px) saturate(150%);
  border-bottom-color: rgba(246, 241, 231, 0.08);
  box-shadow: 0 12px 40px -18px rgba(0, 0, 0, 0.6);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto; padding: 0.9rem 1.5rem;
  display: flex; align-items: center; gap: 1.5rem;
}
.brand { display: inline-flex; align-items: center; gap: 0.6rem; }
.brand-mark { width: 30px; height: 30px; }
.brand-word { font-weight: 680; letter-spacing: 0.02em; font-size: 1.02rem; white-space: nowrap; }
.nav-links { display: flex; gap: 1.35rem; margin-left: auto; }
.nav-links a {
  font-size: 0.88rem; font-weight: 560; color: rgba(246, 241, 231, 0.82);
  position: relative; padding: 0.3rem 0;
}
.nav-links a::after {
  content: ''; position: absolute; left: 0; bottom: 0; height: 1.5px; width: 0;
  background: var(--gold); transition: width 0.35s var(--ease-out);
}
.nav-links a:hover { color: #fff; }
.nav-links a:hover::after { width: 100%; }
.nav-actions { display: flex; align-items: center; gap: 0.35rem; }
.btn-open { padding: 0.62rem 1.25rem; font-size: 0.9rem; }
.nav-toggle {
  display: none; background: none; border: 0; width: 42px; height: 42px;
  flex-direction: column; align-items: center; justify-content: center; gap: 6px;
}
.nav-toggle span {
  width: 22px; height: 2px; background: var(--light); border-radius: 2px;
  transition: transform 0.35s var(--ease-out), opacity 0.3s;
}
.nav-toggle[aria-expanded="true"] span:first-child { transform: translateY(4px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:last-child { transform: translateY(-4px) rotate(-45deg); }

.mobile-menu {
  position: fixed; inset: 0; z-index: 105;
  background: rgba(8, 11, 30, 0.9);
  backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; transition: opacity 0.4s var(--ease-out);
}
.mobile-menu.open { opacity: 1; }
.mobile-menu nav { display: flex; flex-direction: column; gap: 1.3rem; text-align: center; }
.mobile-menu a {
  font-family: var(--serif); font-size: 1.7rem; color: var(--light);
  opacity: 0; transform: translateY(14px);
  transition: opacity 0.5s var(--ease-out), transform 0.5s var(--ease-out), color 0.3s;
}
.mobile-menu.open a { opacity: 1; transform: none; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .mobile-cta { color: var(--gold); font-style: italic; }

/* ---------------- hero ---------------- */
.hero {
  position: relative; min-height: 100svh;
  display: flex; flex-direction: column; justify-content: flex-end;
  padding: 7rem 1.5rem 5.5rem;
  overflow: hidden;
}
.hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-media img {
  width: 100%; height: 100%; object-fit: cover; object-position: 62% 50%;
  animation: heroDrift 46s ease-in-out infinite alternate;
}
@keyframes heroDrift {
  from { transform: scale(1.05) translateY(0); }
  to { transform: scale(1.14) translateY(-1.6%); }
}
.hero-shade {
  position: absolute; inset: 0;
  background:
    radial-gradient(90% 65% at 12% 88%, rgba(216, 32, 39, 0.34), transparent 62%),
    linear-gradient(178deg, rgba(8, 11, 30, 0.5) 0%, rgba(8, 11, 30, 0.12) 34%, rgba(8, 11, 30, 0.4) 62%, rgba(7, 10, 27, 0.93) 100%);
}
.hero-content { max-width: 1200px; width: 100%; margin: 0 auto; }
.hero-content .display-xl { max-width: 15ch; margin-bottom: 1.4rem; }
.hero .lede { color: var(--light-dim); margin-bottom: 2.1rem; }
.hero-cta { display: flex; gap: 0.9rem; flex-wrap: wrap; }

.hero-chips {
  position: absolute; right: 2rem; bottom: 5.6rem;
  display: flex; flex-direction: column; gap: 0.7rem; z-index: 2;
}
.chip {
  display: flex; flex-direction: column; padding: 0.75rem 1.1rem;
  border-radius: 14px; min-width: 210px;
}
.chip strong { font-size: 0.95rem; font-variant-numeric: tabular-nums; }
.chip span { font-size: 0.78rem; opacity: 0.78; }
.hero-chips .chip:nth-child(2) { transition-delay: 0.12s; }
.hero-chips .chip:nth-child(3) { transition-delay: 0.24s; }

.glass {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
.section-light .glass {
  background: rgba(255, 255, 255, 0.62);
  border-color: rgba(1, 33, 105, 0.1);
  color: var(--ink);
  box-shadow: 0 24px 60px -24px rgba(16, 20, 43, 0.35);
}

.scroll-cue {
  position: absolute; left: 50%; bottom: 1.8rem; transform: translateX(-50%);
  width: 1px; height: 56px; background: rgba(246, 241, 231, 0.25); overflow: visible;
}
.scroll-cue span {
  position: absolute; top: 0; left: -1.5px; width: 4px; height: 4px; border-radius: 50%;
  background: var(--gold); animation: cueDrop 2.2s var(--ease-out) infinite;
}
@keyframes cueDrop {
  0% { transform: translateY(0); opacity: 0; }
  20% { opacity: 1; }
  100% { transform: translateY(52px); opacity: 0; }
}

/* ---------------- shared section scaffolds ---------------- */
.section-head { max-width: 60rem; margin: 0 auto; padding: 0 1.5rem; text-align: left; }
.section-head .display-lg { margin-bottom: 1.2rem; }
.section-head .body-lg { color: inherit; }

.section-light { background: linear-gradient(180deg, var(--paper), var(--paper-2)); color: var(--ink); }
.section-light .body-lg, .section-light .body-sm { color: var(--ink-soft); }

/* ---------------- dawn / scale ---------------- */
.dawn { display: grid; grid-template-columns: 44% 1fr; background: var(--paper); color: var(--ink); }
.dawn-figure { position: relative; min-height: 34rem; overflow: hidden; }
.dawn-figure img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.dawn-figure::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent 60%, rgba(247, 242, 233, 0.9));
}
.dawn-body { padding: clamp(3rem, 6vw, 6rem) clamp(1.5rem, 4vw, 4.5rem); }
.dawn-body .display-lg { margin-bottom: 1.1rem; }
.dawn-body .body-lg { color: var(--ink-soft); margin-bottom: 2.5rem; }

.stats {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 1.75rem 2rem;
}
.stat dt {
  font-family: var(--serif); font-size: clamp(2rem, 3.2vw, 2.9rem);
  font-weight: 620; color: var(--navy); line-height: 1;
  font-variant-numeric: tabular-nums;
}
.stat dd { font-size: 0.86rem; color: var(--ink-soft); margin-top: 0.45rem; max-width: 15ch; }

/* ---------------- everyday ---------------- */
.everyday { padding: clamp(4.5rem, 9vw, 8rem) 0 5.5rem; }
.day-toggle {
  display: flex; gap: 0.4rem; max-width: 60rem; margin: 2.2rem auto 2.6rem;
  padding: 0.35rem; border-radius: 999px; width: fit-content;
  background: rgba(1, 33, 105, 0.07); border: 1px solid rgba(1, 33, 105, 0.1);
  margin-left: auto; margin-right: auto;
}
.day-tab {
  border: 0; background: transparent; border-radius: 999px;
  padding: 0.55rem 1.5rem; font-weight: 600; color: var(--ink-soft);
  transition: background 0.4s var(--ease-out), color 0.4s var(--ease-out), box-shadow 0.4s;
}
.day-tab.active {
  background: var(--navy); color: #fff;
  box-shadow: 0 8px 22px -8px rgba(1, 33, 105, 0.5);
}
.everyday-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.framed-img { position: relative; border-radius: calc(var(--radius) + 6px); overflow: hidden; box-shadow: var(--shadow-lg); }
.framed-img img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 4.6; transition: transform 1.4s var(--ease-out); }
.framed-img.tall img { aspect-ratio: 4 / 5; }
.framed-img:hover img { transform: scale(1.035); }
.framed-img figcaption {
  position: absolute; left: 1.1rem; bottom: 1.1rem; padding: 0.6rem 1rem;
  font-size: 0.85rem; color: var(--light);
}
.day-panel p { color: var(--ink-soft); font-size: 1.05rem; margin-top: 0.9rem; max-width: 34rem; }
.day-panel .display-md { color: var(--ink); }
.mini-list { list-style: none; margin-top: 2rem; display: flex; flex-direction: column; gap: 0.8rem; }
.mini-list li {
  position: relative; padding-left: 1.5rem; font-size: 0.92rem; color: var(--ink-soft);
}
.mini-list li::before {
  content: ''; position: absolute; left: 0; top: 0.52em; width: 0.7rem; height: 2px;
  background: var(--crimson); border-radius: 2px;
}
.mini-list-light li { color: var(--light-dim); }
.mini-list-light li::before { background: var(--gold); }

/* ---------------- credit cards (dusk) ---------------- */
.section-dusk {
  position: relative; overflow: hidden;
  background:
    radial-gradient(120% 90% at 85% -10%, rgba(216, 32, 39, 0.32), transparent 55%),
    radial-gradient(100% 80% at 8% 110%, rgba(226, 87, 76, 0.2), transparent 55%),
    linear-gradient(160deg, #141031 0%, #1a1035 45%, #0a0e24 100%);
  color: var(--light);
  padding: clamp(4.5rem, 9vw, 8rem) 0;
}
.cards .section-head .body-lg { color: var(--light-dim); }
.cards-stage {
  max-width: 1200px; margin: 3.2rem auto 0; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.cc-scene { perspective: 1100px; text-align: center; }
.cc-card {
  width: min(440px, 100%); aspect-ratio: 1.586; margin: 0 auto;
  transform-style: preserve-3d;
  transition: transform 0.5s var(--ease-out);
  filter: drop-shadow(0 40px 60px rgba(5, 7, 22, 0.6));
}
.cc-face {
  position: absolute; inset: 0; border-radius: 22px; padding: 1.4rem 1.5rem;
  display: flex; flex-direction: column;
  background:
    radial-gradient(130% 120% at 88% -12%, rgba(232, 176, 75, 0.35), transparent 50%),
    radial-gradient(120% 130% at 100% 110%, rgba(1, 33, 105, 0.9), transparent 62%),
    linear-gradient(135deg, #e03138 0%, #b01c22 46%, #5c0f2a 100%);
  border: 1px solid rgba(255, 255, 255, 0.18);
  overflow: hidden;
}
.cc-face::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(115deg, transparent 20%, rgba(255, 255, 255, 0.13) 42%, transparent 60%);
  transform: translateX(-60%);
  transition: transform 1.2s var(--ease-out);
}
.cc-card:hover .cc-face::after { transform: translateX(60%); }
.cc-top { display: flex; align-items: center; gap: 0.55rem; }
.cc-bank { font-weight: 640; font-size: 0.92rem; letter-spacing: 0.02em; }
.cc-chip {
  width: 44px; height: 32px; border-radius: 6px; margin-top: 1.9rem;
  background: linear-gradient(135deg, #efd08a, #c9a24a);
  box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.25);
}
.cc-chip.sm { width: 30px; height: 22px; margin-top: 0; }
.cc-number {
  margin-top: auto; font-size: clamp(1.05rem, 2.6vw, 1.3rem);
  letter-spacing: 0.08em; font-variant-numeric: tabular-nums; font-weight: 560;
}
.cc-bottom {
  display: flex; justify-content: space-between; align-items: flex-end;
  margin-top: 0.9rem; font-size: 0.72rem; letter-spacing: 0.1em;
}
.cc-cat {
  background: rgba(255, 255, 255, 0.16); border: 1px solid rgba(255, 255, 255, 0.25);
  padding: 0.3rem 0.7rem; border-radius: 999px; font-weight: 640;
  transition: background 0.4s;
}
.cc-caption { margin-top: 1.4rem; font-size: 0.86rem; color: var(--light-dim); }

.cards-controls { padding: 1.8rem; }
.chip-field { border: 0; margin-bottom: 1.6rem; }
.chip-field legend { font-size: 0.82rem; font-weight: 620; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.9rem; }
.chip-row { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.cat-chip {
  border: 1px solid rgba(246, 241, 231, 0.28); background: rgba(255, 255, 255, 0.06);
  color: var(--light); border-radius: 999px; padding: 0.5rem 1.05rem; font-size: 0.88rem;
  font-weight: 560; transition: all 0.35s var(--ease-out);
}
.cat-chip:hover { border-color: var(--gold); color: var(--gold); }
.cat-chip.active {
  background: var(--gold); border-color: var(--gold); color: var(--ink);
  box-shadow: 0 8px 22px -8px rgba(232, 176, 75, 0.6);
}
.spend-row label, .est-row label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 0.88rem; font-weight: 560; margin-bottom: 0.55rem;
}
.spend-row output, .est-row output {
  font-family: var(--serif); font-size: 1.15rem; font-weight: 620; color: var(--gold);
  font-variant-numeric: tabular-nums;
}
.section-light .est-row output { color: var(--crimson); }
input[type='range'] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 4px;
  border-radius: 4px; background: rgba(246, 241, 231, 0.22); outline-offset: 6px;
  margin-bottom: 1.4rem;
}
.section-light input[type='range'] { background: rgba(1, 33, 105, 0.18); }
input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold); border: 3px solid #fff;
  box-shadow: 0 4px 14px rgba(232, 176, 75, 0.5); cursor: grab;
}
input[type='range']::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%; background: var(--gold);
  border: 3px solid #fff; box-shadow: 0 4px 14px rgba(232, 176, 75, 0.5); cursor: grab;
}
.reward-readout { border-top: 1px solid rgba(246, 241, 231, 0.14); padding-top: 1.2rem; }
.reward-num { font-family: var(--serif); font-size: 2.6rem; font-weight: 620; color: #fff; line-height: 1; }
.reward-num small { font-family: var(--sans); font-size: 0.85rem; font-weight: 540; color: var(--light-dim); margin-left: 0.5rem; }
.reward-note { font-size: 0.84rem; color: var(--light-dim); margin-top: 0.6rem; }
.cards-alt { max-width: 60rem; margin: 2.8rem auto 0; padding: 0 1.5rem; color: var(--light-dim); }
.cards-alt strong { color: var(--light); font-weight: 620; }

/* ---------------- photo sections ---------------- */
.section-photo, .section-night, .section-dawn { position: relative; overflow: hidden; }
section[id], footer[id] { scroll-margin-top: 4rem; }
.photo-bg { position: absolute; inset: -12% 0; z-index: 0; }
.photo-bg img { width: 100%; height: 100%; object-fit: cover; }
.photo-shade {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(100deg, rgba(7, 10, 27, 0.92) 8%, rgba(7, 10, 27, 0.55) 46%, rgba(7, 10, 27, 0.2) 78%);
}
.photo-shade.deep {
  background: linear-gradient(180deg, rgba(7, 10, 27, 0.86), rgba(7, 10, 27, 0.55) 45%, rgba(7, 10, 27, 0.88));
}
.dawn-shade {
  background: linear-gradient(180deg, rgba(10, 8, 26, 0.62) 0%, rgba(46, 17, 33, 0.55) 55%, rgba(10, 8, 26, 0.9) 100%);
}
.photo-content, .digital-content, .community-cards, .section-head.on-photo {
  position: relative; z-index: 2;
}
.photo-content {
  max-width: 1200px; margin: 0 auto; padding: clamp(5rem, 10vw, 9rem) 1.5rem;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.photo-text .display-lg { margin-bottom: 1.2rem; }
.photo-text .body-lg { color: var(--light-dim); margin-bottom: 1.1rem; }
.photo-text .body-lg strong { color: var(--light); }

.estimator { padding: 1.8rem; }
.est-title { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; margin-bottom: 1.3rem; }
.est-result { border-top: 1px solid rgba(246, 241, 231, 0.14); padding-top: 1.1rem; margin-top: 0.4rem; }
.est-num {
  font-family: var(--serif); font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 620;
  color: #fff; line-height: 1.05; font-variant-numeric: tabular-nums;
}
.section-light .est-num { color: var(--navy); }
.est-note { font-size: 0.8rem; color: var(--light-dim); margin-top: 0.4rem; }
.section-light .est-note { color: var(--ink-soft); }

/* ---------------- investing ---------------- */
.section-night { background: var(--ink-deep); color: var(--light); padding: clamp(4.5rem, 9vw, 8rem) 0; }
.invest { isolation: isolate; }
.invest-loop {
  position: absolute; inset: 0; z-index: -1; opacity: 0.22;
  mask-image: linear-gradient(100deg, transparent 30%, #000 75%);
  -webkit-mask-image: linear-gradient(100deg, transparent 30%, #000 75%);
}
.invest-loop img { width: 100%; height: 100%; object-fit: cover; }
.invest .section-head .body-lg { color: var(--light-dim); }
.invest-grid {
  max-width: 1200px; margin: 3.2rem auto 0; padding: 0 1.5rem;
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(2rem, 5vw, 4rem);
  align-items: stretch;
}
.invest-sim { padding: 1.8rem; display: flex; flex-direction: column; }
.growth-wrap { border-top: 1px solid rgba(246, 241, 231, 0.14); margin-top: 0.4rem; padding-top: 1rem; }
.growth-wrap svg { width: 100%; height: 150px; display: block; }
.growth-line {
  fill: none; stroke: url(#gline); stroke-width: 2.5; stroke-linecap: round;
}
.growth-fill { fill: rgba(226, 87, 76, 0.14); stroke: none; }
.growth-readout { display: flex; align-items: baseline; gap: 1rem; flex-wrap: wrap; margin-top: 0.6rem; }
.growth-readout .est-note { max-width: 24rem; }

/* ---------------- small business ---------------- */
.biz { padding: clamp(4.5rem, 9vw, 8rem) 0; }
.biz-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
.biz-text .display-lg { margin-bottom: 1.2rem; }
.biz-text .body-lg { margin-bottom: 2.2rem; }
.biz-facts { display: flex; flex-direction: column; gap: 1.15rem; }
.biz-fact {
  display: flex; flex-direction: column; padding-left: 1.1rem;
  border-left: 2px solid var(--crimson);
}
.biz-fact strong { font-weight: 660; color: var(--ink); }
.biz-fact span { font-size: 0.9rem; color: var(--ink-soft); }

/* ---------------- digital ---------------- */
.digital { color: var(--light); }
.digital-content {
  max-width: 1200px; margin: 0 auto; padding: clamp(5rem, 10vw, 9rem) 1.5rem;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
.digital-text .display-lg { margin-bottom: 1.2rem; }
.digital-text .body-lg { color: var(--light-dim); margin-bottom: 2.2rem; }
.digital-text .body-lg strong { color: var(--light); }

.lock-widget { display: flex; gap: 1.4rem; padding: 1.5rem; align-items: center; max-width: 34rem; }
.lock-card {
  flex: 0 0 160px; aspect-ratio: 1.586; border-radius: 12px; padding: 0.7rem;
  background: linear-gradient(135deg, #d82027 0%, #7c1220 60%, #012169 130%);
  display: flex; flex-direction: column; justify-content: space-between;
  border: 1px solid rgba(255, 255, 255, 0.22);
  transition: filter 0.6s var(--ease-out), transform 0.6s var(--ease-out);
}
.lock-card.locked { filter: grayscale(0.9) brightness(0.6); transform: rotate(-3deg) scale(0.97); }
.lock-num { font-size: 0.78rem; letter-spacing: 0.12em; font-variant-numeric: tabular-nums; }
.lock-status {
  font-size: 0.66rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.14em;
  align-self: flex-start; background: rgba(255, 255, 255, 0.2); padding: 0.18rem 0.55rem; border-radius: 999px;
}
.lock-card.locked .lock-status { background: rgba(216, 32, 39, 0.85); }
.lock-side h3 { font-family: var(--serif); font-size: 1.2rem; font-weight: 600; margin-bottom: 0.35rem; }
.lock-side p { font-size: 0.86rem; color: var(--light-dim); margin-bottom: 0.9rem; }
.lock-side .btn { padding: 0.55rem 1.2rem; font-size: 0.86rem; }

.phone {
  width: min(310px, 78vw); margin: 0 auto; border-radius: 46px;
  border: 11px solid #161a30;
  background: linear-gradient(170deg, #1b1440, #0a0e24);
  box-shadow: var(--shadow-lg), inset 0 0 0 2px rgba(255, 255, 255, 0.06);
  position: relative; overflow: hidden;
  aspect-ratio: 0.49;
}
.phone-notch {
  position: absolute; top: 10px; left: 50%; transform: translateX(-50%);
  width: 34%; height: 20px; border-radius: 999px; background: #0a0e24; z-index: 3;
  border: 1px solid rgba(255, 255, 255, 0.07);
}
.phone-screen { position: absolute; inset: 0; padding: 2.6rem 1rem 1.2rem; display: flex; flex-direction: column; }
.phone-time { text-align: center; font-size: 0.72rem; color: var(--light-dim); font-variant-numeric: tabular-nums; }
.phone-title { text-align: center; font-family: var(--serif); font-size: 1.05rem; color: var(--gold); margin: 0.15rem 0 0.8rem; }
.chat { display: flex; flex-direction: column; gap: 0.55rem; overflow: hidden; flex: 1; }
.bub {
  max-width: 86%; padding: 0.55rem 0.8rem; border-radius: 15px;
  font-size: 0.78rem; line-height: 1.45;
  opacity: 0; transform: translateY(10px);
  transition: opacity 0.5s var(--ease-out), transform 0.5s var(--ease-out);
}
.bub.show { opacity: 1; transform: none; }
.bub.erica {
  align-self: flex-start; background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14); border-bottom-left-radius: 5px;
}
.bub.user {
  align-self: flex-end; background: linear-gradient(120deg, var(--crimson), #a8171d);
  border-bottom-right-radius: 5px;
}
.bub.typing { display: inline-flex; gap: 4px; align-items: center; width: auto; padding: 0.65rem 0.85rem; }
.bub.typing i {
  width: 5px; height: 5px; border-radius: 50%; background: rgba(246, 241, 231, 0.75);
  animation: typeDot 1.1s ease-in-out infinite;
}
.bub.typing i:nth-child(2) { animation-delay: 0.18s; }
.bub.typing i:nth-child(3) { animation-delay: 0.36s; }
@keyframes typeDot { 0%, 60%, 100% { transform: none; opacity: 0.5; } 30% { transform: translateY(-4px); opacity: 1; } }
.bub .amt { color: var(--gold); font-weight: 640; font-variant-numeric: tabular-nums; }

/* ---------------- preferred rewards ---------------- */
.rewards { padding: clamp(4.5rem, 9vw, 8rem) 0; }
.rewards-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
.rewards-panel .display-lg { margin-bottom: 1.1rem; }
.rewards-panel > .body-lg { margin-bottom: 2rem; }
.tier-widget { padding: 1.8rem; }
.tier-name {
  font-family: var(--serif); font-size: clamp(1.9rem, 3.4vw, 2.6rem); font-weight: 620;
  color: var(--navy); line-height: 1.1; margin: 0.3rem 0 1rem;
  transition: opacity 0.35s var(--ease-out);
}
.tier-perks { list-style: none; display: flex; flex-direction: column; gap: 0.65rem; min-height: 8.5rem; }
.tier-perks li { position: relative; padding-left: 1.5rem; font-size: 0.92rem; color: var(--ink-soft); }
.tier-perks li::before {
  content: ''; position: absolute; left: 0; top: 0.5em; width: 0.7rem; height: 2px;
  background: var(--gold); border-radius: 2px;
}

/* ---------------- community ---------------- */
.section-dawn { color: var(--light); padding: clamp(5rem, 10vw, 9rem) 0 clamp(4.5rem, 8vw, 7rem); }
.section-head.on-photo .display-lg { max-width: 20ch; }
.community-cards {
  max-width: 1200px; margin: 2.8rem auto 0; padding: 0 1.5rem;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.3rem;
}
.community-card { padding: 1.6rem 1.7rem; transition: transform 0.5s var(--ease-out), background 0.5s var(--ease-out); }
.community-card:hover { transform: translateY(-4px); background: rgba(255, 255, 255, 0.12); }
.community-card h3 { font-family: var(--serif); font-size: 1.3rem; font-weight: 600; margin-bottom: 0.55rem; color: var(--gold); }
.community-card p { font-size: 0.92rem; color: rgba(246, 241, 231, 0.85); }
.community-card strong { color: #fff; font-weight: 620; }

/* ---------------- cta ---------------- */
.cta {
  padding: clamp(5.5rem, 11vw, 10rem) 1.5rem; text-align: center;
  background:
    radial-gradient(80% 100% at 50% 120%, rgba(216, 32, 39, 0.5), transparent 60%),
    linear-gradient(180deg, #0a0e24, #1c0f2e 55%, #33102b);
  display: flex; flex-direction: column; align-items: center; gap: 1.6rem;
}
.cta .display-xl { max-width: 16ch; }
.cta .eyebrow { margin-bottom: 0; }
.cta .hero-cta { justify-content: center; }

/* ---------------- footer ---------------- */
.footer { background: #070a1c; color: rgba(246, 241, 231, 0.78); }
.footer-top {
  max-width: 1200px; margin: 0 auto; padding: 4rem 1.5rem 2.5rem;
  display: grid; grid-template-columns: 320px 1fr; gap: 3rem;
}
.footer-brand img { width: 210px; height: auto; filter: brightness(0) invert(1); margin-bottom: 1.1rem; }
.footer-brand p { font-size: 0.88rem; max-width: 30ch; color: rgba(246, 241, 231, 0.55); }
.footer-cols { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 1.5rem; }
.fcol h4 {
  font-size: 0.74rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 0.85rem; font-weight: 660;
}
.fcol a { display: block; font-size: 0.86rem; padding: 0.28rem 0; color: rgba(246, 241, 231, 0.66); transition: color 0.3s, transform 0.3s var(--ease-out); }
.fcol a:hover { color: #fff; transform: translateX(3px); }
.footer-legal {
  border-top: 1px solid rgba(246, 241, 231, 0.1);
  max-width: 1200px; margin: 0 auto; padding: 1.8rem 1.5rem 3rem;
  font-size: 0.76rem; color: rgba(246, 241, 231, 0.45);
  display: flex; flex-direction: column; gap: 0.9rem;
}
.legal-badges { display: flex; gap: 0.7rem; flex-wrap: wrap; }
.badge {
  display: inline-flex; align-items: center; gap: 0.45rem;
  border: 1px solid rgba(246, 241, 231, 0.2); border-radius: 8px;
  padding: 0.4rem 0.8rem; font-size: 0.72rem; font-weight: 620; color: rgba(246, 241, 231, 0.7);
}
.concept-note { color: rgba(232, 176, 75, 0.55); }

/* ---------------- responsive ---------------- */
@media (max-width: 1080px) {
  .nav-links { display: none; }
  .everyday-grid, .cards-stage, .photo-content, .invest-grid, .biz-grid, .digital-content, .rewards-grid {
    grid-template-columns: 1fr;
  }
  .photo-content { padding-top: 6rem; padding-bottom: 4rem; }
  .dawn { grid-template-columns: 1fr; }
  .dawn-figure { min-height: 20rem; }
  .dawn-figure::after { background: linear-gradient(180deg, transparent 55%, rgba(247, 242, 233, 0.95)); }
  .hero-chips { position: static; flex-direction: row; flex-wrap: wrap; margin-top: 2.2rem; }
  .chip { min-width: 0; flex: 1 1 45%; }
  .footer-top { grid-template-columns: 1fr; gap: 2rem; }
  .footer-cols { grid-template-columns: repeat(3, 1fr); }
  .community-cards { grid-template-columns: 1fr; }
  .framed-img img { aspect-ratio: 16 / 10; }
  .framed-img.tall img { aspect-ratio: 16/12; }
}
@media (max-width: 700px) {
  .btn-signin, .btn-open { display: none; }
  .nav-toggle { display: inline-flex; }
  .hero { padding-bottom: 4.5rem; }
  .hero .lede { font-size: 1.05rem; }
  .hero-chips { gap: 0.55rem; }
  .chip { flex: 1 1 100%; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .footer-cols { grid-template-columns: repeat(2, 1fr); }
  .lock-widget { flex-direction: column; align-items: stretch; text-align: left; }
  .lock-card { flex-basis: auto; width: 172px; }
  .day-toggle { width: auto; margin-left: 1.5rem; margin-right: 1.5rem; }
  .growth-readout { gap: 0.35rem; }
  .cta .hero-cta .btn { width: 100%; }
}

/* ---------------- reduced motion ---------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.011s !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.011s !important;
  }
  .reveal { opacity: 1; transform: none; filter: none; }
  .photo-bg { inset: 0; }
}