/* Plastic Math: soft satin vinyl, made flat for the web */
:root{
  --red:#C2412F; --red-soft:#E0705C; --green:#2F6142; --green-soft:#4F8A62; --mustard:#D59A12; --mustard-soft:#F0C35A;
  --ink:#2F2B27; --ink-2:#5A524A; --cream:#FAF4E8; --cream-2:#FFFBF3; --cream-3:#F1E7D6; --line:#E4D7C2;
  --bg:var(--cream); --panel:var(--cream-2); --panel-2:var(--cream-3); --text:var(--ink); --muted:var(--ink-2);
  --good:#2F6142; --bad:#B23A28; --link:#2F6142;
  --shadow:0 1px 0 rgba(255,255,255,.7) inset, 0 10px 24px -14px rgba(60,40,20,.35), 0 2px 4px rgba(60,40,20,.08);
  --radius:22px; --wrap:1120px; --read:720px;
  --display:'Lilita One',system-ui,sans-serif; --sans:'Nunito',system-ui,-apple-system,'Segoe UI',sans-serif;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#1F1B17; --panel:#2A2520; --panel-2:#342D26; --text:#F4ECDD; --muted:#C9BBA6; --line:#463D33;
  --good:#7FC495; --bad:#F08A76; --link:#9BD4AC; --red:#E0705C; --green:#5C9C72; --mustard:#E7B13A;
  --shadow:0 1px 0 rgba(255,255,255,.05) inset, 0 12px 26px -14px rgba(0,0,0,.7); color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#1F1B17; --panel:#2A2520; --panel-2:#342D26; --text:#F4ECDD; --muted:#C9BBA6; --line:#463D33;
  --good:#7FC495; --bad:#F08A76; --link:#9BD4AC; --red:#E0705C; --green:#5C9C72; --mustard:#E7B13A;
  --shadow:0 1px 0 rgba(255,255,255,.05) inset, 0 12px 26px -14px rgba(0,0,0,.7); color-scheme:dark}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:400 18px/1.65 var(--sans);font-variant-numeric:tabular-nums;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--link);text-decoration-thickness:2px;text-underline-offset:3px}
a:hover{color:var(--red)}
h1,h2,h3{font-family:var(--sans);font-weight:900;line-height:1.15;letter-spacing:-.01em;margin:1.6em 0 .5em}
h1{font-size:clamp(2rem,5.5vw,3.2rem);margin-top:.2em}
h2{font-size:clamp(1.45rem,3.4vw,1.9rem)}
h3{font-size:1.2rem}
p,ul,ol{margin:0 0 1.1em}
li{margin:.25em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.read{max-width:var(--read);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;z-index:9;background:var(--panel);padding:8px 12px;border-radius:10px}

/* header */
.site-head{position:sticky;top:0;z-index:20;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text)}
.brand img{width:40px;height:auto}
.wordmark{font-family:var(--display);font-size:1.55rem;letter-spacing:.5px;line-height:1;white-space:nowrap}
.wordmark .p{color:var(--red)}.wordmark .m{color:var(--green)}
.nav{margin-left:auto;display:flex;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.nav a{font-weight:800;text-decoration:none;color:var(--text);padding:8px 12px;border-radius:999px;font-size:.95rem}
.nav a:hover,.nav a[aria-current="page"]{background:var(--panel-2);color:var(--text)}
.nav .cta{background:var(--green);color:#FFFBF3}.nav .cta:hover{background:var(--red);color:#FFFBF3}
.menu-btn{display:none;margin-left:auto;background:var(--panel-2);border:0;border-radius:12px;padding:10px 12px;font:800 .95rem var(--sans);color:var(--text)}
@media (max-width:820px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--bg);border-bottom:1px solid var(--line);flex-direction:column;padding:8px 16px 16px}
  .nav.open{display:flex}
  .nav a{padding:12px}
}

/* buttons, panels */
.btn{display:inline-block;font:900 1.05rem var(--sans);text-decoration:none;padding:14px 22px;border-radius:999px;border:0;cursor:pointer;background:var(--green);color:#FFFBF3;box-shadow:var(--shadow)}
.btn:hover{background:var(--red);color:#FFFBF3}
.btn.alt{background:var(--panel);color:var(--text)}
.panel{background:var(--panel);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.chip{display:inline-block;font:900 .8rem var(--sans);text-transform:uppercase;letter-spacing:.06em;padding:5px 12px;border-radius:999px;background:var(--panel-2);color:var(--muted);text-decoration:none}
.chip.rewards{background:var(--mustard);color:var(--ink)}.chip.credit-score{background:var(--green);color:#FFFBF3}
.chip.debt{background:var(--red);color:#FFFBF3}.chip.fees{background:var(--ink);color:#FFFBF3}.chip.business-credit{background:var(--green-soft);color:#FFFBF3}
.muted{color:var(--muted)}
.small{font-size:.9rem}

/* home scroll story */
.hero{padding:40px 0 24px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:24px;align-items:center}
.hero h1{font-family:var(--display);font-weight:400;font-size:clamp(2.6rem,7vw,4.6rem);line-height:1;letter-spacing:.5px}
.hero h1 .g{color:var(--green)}.hero h1 .r{color:var(--red)}
.hero .lede{font-size:1.2rem;max-width:34em}
.hero-art{position:relative;aspect-ratio:1/1.05}
.hero-art img{position:absolute}
@media (max-width:760px){.hero .wrap{grid-template-columns:1fr}.hero-art{max-width:360px;margin:0 auto;width:100%}}

.story{padding-top:8px;padding-bottom:8px}
.beat{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center;min-height:52vh;padding:28px 0}
.beat:nth-child(even) .beat-art{order:2}
.beat-art{position:relative;aspect-ratio:4/3;background:var(--panel);border-radius:32px;box-shadow:var(--shadow);overflow:hidden}
.beat-art img{position:absolute}
.beat h2{margin-top:0}
.big-num{font-family:var(--display);font-size:clamp(2.6rem,8vw,4.2rem);line-height:1;color:var(--green)}
.big-num.r{color:var(--red)}.big-num.m{color:var(--mustard)}
@media (max-width:760px){.beat{grid-template-columns:1fr;min-height:auto;gap:18px}.beat:nth-child(even) .beat-art{order:0}}

/* the one rule: pieces enter once, then hold */
.pop{opacity:0;transform:translateY(28px) scale(.96);transition:opacity .7s cubic-bezier(.2,.8,.2,1),transform .7s cubic-bezier(.2,.8,.2,1)}
.pop.from-left{transform:translateX(-40px)}.pop.from-right{transform:translateX(40px)}.pop.drop{transform:translateY(-40px)}
.pop.in{opacity:1;transform:none}
.gauge-wrap{position:absolute;aspect-ratio:920/520}
.gauge-wrap img{position:absolute;left:0;top:0;width:100%}
.gauge-wrap .needle{left:43.39%;top:16.35%;width:13.22%;transform-origin:50% 86.09%}
/* the needle's one move: from red to green, then it holds */
.swing{transform:rotate(-72deg);transition:transform 1.4s cubic-bezier(.2,.8,.2,1)}
.swing.in{transform:rotate(48deg)}
@media (prefers-reduced-motion:reduce){.pop{opacity:1;transform:none;transition:none}.swing{transform:rotate(48deg);transition:none}}
.no-js .swing{transform:rotate(48deg)}
.no-js .pop{opacity:1;transform:none}

/* cards grid */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.card{display:flex;flex-direction:column;gap:10px;background:var(--panel);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px;text-decoration:none;color:var(--text)}
.card:hover{color:var(--text);transform:translateY(-2px);transition:transform .2s}
.card .thumb{border-radius:14px;aspect-ratio:16/9;object-fit:cover;width:100%;background:var(--panel-2)}
.card h3{margin:0;font-size:1.12rem}
.card-art{height:110px;width:auto;max-width:100%;align-self:center;object-fit:contain}
.card.answer-card{text-align:center;align-items:center}
.card p{margin:0;color:var(--muted);font-size:.95rem}
.goals{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.goal{background:var(--panel);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px 14px;text-align:center;text-decoration:none;color:var(--text);font-weight:900}
.goal img{height:120px;width:auto;margin:0 auto 8px}
@media (max-width:760px){.goals{grid-template-columns:repeat(2,1fr)}.goal img{height:96px}}
section{margin-top:72px;margin-bottom:72px}
section.wrap{margin:72px auto}  /* beats .wrap's margin:0 auto */
@media (max-width:760px){section.wrap{margin:52px auto}}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:12px;margin-bottom:16px}
.section-head h2{margin:0}

/* article */
.crumbs{font-size:.9rem;color:var(--muted);margin:24px 0 8px}.crumbs a{color:var(--muted)}
.meta{color:var(--muted);font-size:.95rem;margin-bottom:20px}
.video{position:relative;aspect-ratio:16/9;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);background:#000;margin:8px 0 28px}
.video iframe,.video button{position:absolute;inset:0;width:100%;height:100%;border:0}
.video button{cursor:pointer;padding:0;background:#000}
.video button img{width:100%;height:100%;object-fit:cover;opacity:.92}
.video .play{position:absolute;left:50%;top:50%;width:84px;height:84px;margin:-42px 0 0 -42px;border-radius:50%;background:var(--red);box-shadow:var(--shadow)}
.video .play::after{content:"";position:absolute;left:33px;top:24px;border-left:28px solid #FFFBF3;border-top:18px solid transparent;border-bottom:18px solid transparent}
.prose table{border-collapse:collapse;width:100%;margin:0 0 1.2em;font-size:.95rem;display:block;overflow-x:auto}
.prose th,.prose td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;white-space:nowrap}
.prose th{background:var(--panel-2)}
.prose blockquote{margin:0 0 1.1em;padding:12px 18px;border-left:5px solid var(--mustard);background:var(--panel);border-radius:0 14px 14px 0}
.sources{font-size:.9rem;color:var(--muted)}.sources a{color:var(--muted)}
.callout{background:var(--panel);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;margin:32px 0;display:grid;grid-template-columns:96px 1fr;gap:18px;align-items:center}
.callout img{width:96px}
.callout h3{margin:0 0 6px}
@media (max-width:560px){.callout{grid-template-columns:1fr}.callout img{width:52px}}

/* signup */
.signup{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.signup input[type=email]{flex:1 1 220px;font:600 1.05rem var(--sans);padding:14px 18px;border-radius:999px;border:2px solid var(--line);background:var(--cream-2);color:var(--ink)}
.signup .hp{position:absolute;left:-9999px}
.signup .cf-turnstile{flex-basis:100%}
.fine{font-size:.82rem;color:var(--muted);margin-top:8px}

/* quick answers: inputs on one side, the answer card on the other */
.qa{--qa-w:min(980px,calc(100vw - 32px));position:relative;left:50%;width:var(--qa-w);transform:translateX(-50%);
  display:grid;gap:24px;margin:32px 0;padding:24px;background:var(--panel);border-radius:28px;box-shadow:var(--shadow)}
@media (min-width:760px){.qa{grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:32px;padding:32px}
  .qa-result{position:sticky;top:84px;align-self:start}}
.qa-form{display:grid;gap:18px;align-content:start}
.qa-field{margin:0;min-width:0}
.qa-field>label,.qa-field>legend{display:block;font-weight:800;font-size:.95rem;margin:0 0 7px;padding:0}
.qa-hint{font-size:.85rem;color:var(--muted);margin:6px 2px 0}
.qa-input{width:100%;font:800 1.15rem var(--sans);font-variant-numeric:tabular-nums;padding:13px 16px;border-radius:14px;
  border:2px solid var(--line);background:var(--bg);color:var(--text);transition:border-color .15s}
.qa-input:hover{border-color:color-mix(in srgb,var(--mustard) 45%,var(--line))}
.qa-input:focus{outline:none;border-color:var(--mustard);box-shadow:0 0 0 4px color-mix(in srgb,var(--mustard) 25%,transparent)}
.qa-affix{position:relative}
.qa-affix>span{position:absolute;top:50%;transform:translateY(-50%);left:16px;font-weight:800;color:var(--muted);pointer-events:none}
.qa-affix>input{padding-left:32px}
.qa-affix.suffix>span{left:auto;right:16px;font-size:.95rem}
.qa-affix.suffix>input{padding-left:16px;padding-right:64px}
.qa-select{appearance:none;-webkit-appearance:none;font-size:1.05rem;padding-right:44px;text-overflow:ellipsis;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%232F6142' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center}
.qa-seg{border:0;padding:0}
.qa-seg-opts{display:flex;gap:4px;padding:4px;background:var(--bg);border:2px solid var(--line);border-radius:999px}
.qa-seg-opts label{flex:1;position:relative;cursor:pointer}
.qa-seg-opts input{position:absolute;opacity:0;width:1px;height:1px}
.qa-seg-opts span{display:block;text-align:center;font-weight:800;font-size:.95rem;padding:9px 12px;border-radius:999px;color:var(--muted);transition:background .15s,color .15s}
.qa-seg-opts input:checked+span{background:var(--green);color:#FFFBF3}
.qa-seg-opts input:focus-visible+span{outline:3px solid var(--mustard);outline-offset:1px}
.qa-more{background:var(--bg);border-radius:16px;padding:12px 16px}
.qa-more summary{cursor:pointer;font-weight:800;font-size:.92rem;color:var(--muted)}
.qa-more[open]{display:grid;gap:14px}
.qa-more[open] summary{margin-bottom:2px}
.qa-result{min-width:0}
.qa-verdict{border-radius:22px;padding:22px 24px 24px;background:var(--bg);border:2px solid var(--line)}
.qa-verdict.good{background:color-mix(in srgb,var(--good) 10%,var(--bg));border-color:color-mix(in srgb,var(--good) 35%,var(--line))}
.qa-verdict.bad{background:color-mix(in srgb,var(--bad) 9%,var(--bg));border-color:color-mix(in srgb,var(--bad) 35%,var(--line))}
.qa-badge{display:inline-block;font:900 .78rem var(--sans);text-transform:uppercase;letter-spacing:.08em;padding:6px 12px;border-radius:999px;background:var(--ink-2);color:#FFFBF3}
.qa-verdict.good .qa-badge{background:var(--good);color:var(--bg)}
.qa-verdict.bad .qa-badge{background:var(--bad);color:var(--bg)}
.qa-metric{font-family:var(--display);font-size:clamp(2.6rem,7vw,3.6rem);line-height:1;margin:14px 0 4px;color:var(--text);letter-spacing:.5px}
.qa-verdict.good .qa-metric{color:var(--good)}.qa-verdict.bad .qa-metric{color:var(--bad)}
.qa-sub{margin:0;font-weight:800;color:var(--muted)}
.qa-words{margin:16px 0 0;font-size:1rem;line-height:1.6}
.qa-math{margin-top:16px}
.qa-math summary{cursor:pointer;font-weight:900;color:var(--link)}
.qa-math[open] summary{margin-bottom:8px}
.qa-math p{font-size:.95rem}
.qa-eq{font-family:var(--display);font-size:1.1rem;background:var(--panel-2);color:var(--text);padding:10px 14px;border-radius:12px;margin:8px 0;overflow-x:auto;white-space:nowrap}
.qa-note{font-size:.82rem;color:var(--muted);margin:12px 2px 0}

/* points table */
.pts td{white-space:normal}.pts td.v{font-weight:900;white-space:nowrap}
.pts .floor{color:var(--good)}

/* footer */
.site-foot{margin-top:72px;background:var(--panel-2);padding:40px 0 28px;font-size:.95rem}
.site-foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px}
.site-foot h4{margin:0 0 8px;font-weight:900}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot a{color:var(--text);text-decoration:none}.site-foot a:hover{color:var(--red)}
.site-foot .legal{margin-top:24px;color:var(--muted);font-size:.85rem}
@media (max-width:760px){.site-foot .cols{grid-template-columns:1fr 1fr}}
.theme-btn{background:none;border:2px solid var(--line);border-radius:999px;padding:6px 12px;font:800 .85rem var(--sans);color:var(--text);cursor:pointer}
.tbl{overflow-x:auto;margin:0 0 1.2em}
.tbl table{margin:0}
/* "Email me these results" under each quick answer */
.qa-send{margin-top:18px;padding:18px 20px;border-radius:18px;background:var(--panel-2)}
.qa-send-title{margin:0;font-weight:900;font-size:1.05rem}
.qa-send-sub{margin:2px 0 12px;font-size:.92rem;color:var(--muted)}
.qa-send-row{display:flex;gap:8px;flex-wrap:wrap}
.qa-send-row input{flex:1 1 200px;min-width:0;font:600 1rem var(--sans);padding:12px 16px;border-radius:999px;border:2px solid var(--line);background:var(--bg);color:var(--text)}
.qa-send-row input:focus{outline:none;border-color:var(--mustard)}
.qa-send-row .btn{padding:12px 22px;font-size:1rem}
.qa-send-msg{margin:8px 2px 0;font-weight:800;font-size:.92rem}
.qa-send-msg:empty{display:none}
.qa-send-msg.ok{color:var(--good)}.qa-send-msg.err{color:var(--bad)}
.qa-send .fine{margin-top:8px}