:root {
    --bg: #F5F2EC;
    --surface: #EAE5DC;
    --surface-elevated: #E3DCCE;
    --border: #DDD6C9;
    --text-primary: #232323;
    --text-secondary: #615C54;
    --text-muted: #948C80;
    --ink: #2B2D2E;
    --ink-dim: #18191A;
    --copper: #D98E4A;
    --copper-dim: #B3712F;
    --danger: #B4483A;

    --font-display: 'Libre Baskerville', serif;
    --font-body: 'Inter', sans-serif;
    --font-mono: 'Space Mono', monospace;
  }

  * { box-sizing: border-box; }

  body {
    margin: 0;
    background: var(--bg);
    color: var(--text-primary);
    font-family: var(--font-body);
    line-height: 1.5;
    -webkit-font-smoothing: antialiased;
  }

  a { color: inherit; }

  .wrap {
    max-width: 1040px;
    margin: 0 auto;
    padding: 0 24px;
  }

  /* ---------- Header ---------- */
  header {
    padding: 28px 0;
  }
  .header-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 16px;
  }
  .wordmark {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 22px;
    letter-spacing: -0.01em;
  }
  .header-cta {
    display: inline-block;
    background: var(--copper);
    color: var(--ink-dim);
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 14px;
    padding: 10px 18px;
    border-radius: 8px;
    text-decoration: none;
    transition: background 0.15s ease;
  }
  .header-cta:hover { background: var(--copper-dim); }

  /* ---------- Hero ---------- */
  .hero {
    padding: 64px 0 72px;
    text-align: center;
  }
  .hero h1 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: clamp(36px, 6vw, 58px);
    line-height: 1.08;
    letter-spacing: -0.015em;
    margin: 0 0 22px;
    max-width: 720px;
    margin-left: auto;
    margin-right: auto;
  }
  .hero p {
    font-size: 18px;
    color: var(--text-secondary);
    max-width: 480px;
    margin: 0 auto 32px;
    line-height: 1.6;
  }
  .hero-actions {
    display: flex;
    justify-content: center;
    gap: 14px;
    flex-wrap: wrap;
  }
  .btn-primary {
    background: var(--copper);
    color: var(--ink-dim);
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 15px;
    padding: 14px 26px;
    border-radius: 10px;
    text-decoration: none;
    display: inline-block;
    transition: background 0.15s ease;
    box-shadow: 0 8px 20px rgba(217,142,74,0.28);
  }
  .btn-primary:hover { background: var(--copper-dim); }
  .btn-secondary {
    background: transparent;
    color: var(--text-primary);
    font-family: var(--font-body);
    font-weight: 600;
    font-size: 15px;
    padding: 14px 26px;
    border-radius: 10px;
    text-decoration: none;
    border: 1px solid var(--border);
    display: inline-block;
  }
  .status-note {
    margin-top: 18px;
    font-size: 13px;
    color: var(--text-muted);
  }

  /* ---------- Cash pile visual ---------- */
  .pile-section {
    padding: 8px 0 72px;
  }
  .pile-card {
    background: var(--surface-elevated);
    border-radius: 20px;
    padding: 48px 32px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 28px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
  }
  .pile {
    position: relative;
    width: 220px;
    height: 120px;
  }
  .bill {
    position: absolute;
    bottom: 14px;
    left: 76px;
    width: 68px;
    height: 32px;
    border-radius: 6px;
    background: var(--copper);
    border: 1.5px solid var(--copper-dim);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-body);
    font-weight: 600;
    font-size: 16px;
    color: var(--bg);
    box-shadow: 0 2px 3px rgba(0,0,0,0.15);
  }
  .bill:nth-child(1) { animation: bill1 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.1s; }
  .bill:nth-child(2) { animation: bill2 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.25s; }
  .bill:nth-child(3) { animation: bill3 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.4s; }
  .bill:nth-child(4) { animation: bill4 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.55s; }
  .bill:nth-child(5) { animation: bill5 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.7s; }
  .bill:nth-child(6) { animation: bill6 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 0.85s; }
  .bill:nth-child(7) { animation: bill7 0.55s cubic-bezier(0.34, 1.56, 0.64, 1) both; animation-delay: 1.0s; }

  @keyframes bill1 { from { opacity: 0; transform: translate(0px, 30px) rotate(-6deg) scale(0.3); } 65% { opacity: 1; transform: translate(0px, 0px) rotate(-6deg) scale(1.12); } to { opacity: 1; transform: translate(0px, 0px) rotate(-6deg) scale(1); } }
  @keyframes bill2 { from { opacity: 0; transform: translate(16px, 30px) rotate(9deg) scale(0.3); } 65% { opacity: 1; transform: translate(16px, -4px) rotate(9deg) scale(1.12); } to { opacity: 1; transform: translate(16px, -4px) rotate(9deg) scale(1); } }
  @keyframes bill3 { from { opacity: 0; transform: translate(-18px, 30px) rotate(-13deg) scale(0.3); } 65% { opacity: 1; transform: translate(-18px, -9px) rotate(-13deg) scale(1.12); } to { opacity: 1; transform: translate(-18px, -9px) rotate(-13deg) scale(1); } }
  @keyframes bill4 { from { opacity: 0; transform: translate(8px, 30px) rotate(6deg) scale(0.3); } 65% { opacity: 1; transform: translate(8px, -16px) rotate(6deg) scale(1.12); } to { opacity: 1; transform: translate(8px, -16px) rotate(6deg) scale(1); } }
  @keyframes bill5 { from { opacity: 0; transform: translate(-10px, 30px) rotate(-5deg) scale(0.3); } 65% { opacity: 1; transform: translate(-10px, -23px) rotate(-5deg) scale(1.12); } to { opacity: 1; transform: translate(-10px, -23px) rotate(-5deg) scale(1); } }
  @keyframes bill6 { from { opacity: 0; transform: translate(20px, 30px) rotate(11deg) scale(0.3); } 65% { opacity: 1; transform: translate(20px, -29px) rotate(11deg) scale(1.12); } to { opacity: 1; transform: translate(20px, -29px) rotate(11deg) scale(1); } }
  @keyframes bill7 { from { opacity: 0; transform: translate(-20px, 30px) rotate(-10deg) scale(0.3); } 65% { opacity: 1; transform: translate(-20px, -35px) rotate(-10deg) scale(1.12); } to { opacity: 1; transform: translate(-20px, -35px) rotate(-10deg) scale(1); } }

  @media (prefers-reduced-motion: reduce) {
    .bill { animation: none !important; }
    .bill:nth-child(1) { transform: translate(0px, 0px) rotate(-6deg); }
    .bill:nth-child(2) { transform: translate(16px, -4px) rotate(9deg); }
    .bill:nth-child(3) { transform: translate(-18px, -9px) rotate(-13deg); }
    .bill:nth-child(4) { transform: translate(8px, -16px) rotate(6deg); }
    .bill:nth-child(5) { transform: translate(-10px, -23px) rotate(-5deg); }
    .bill:nth-child(6) { transform: translate(20px, -29px) rotate(11deg); }
    .bill:nth-child(7) { transform: translate(-20px, -35px) rotate(-10deg); }
  }

  .pile-caption {
    text-align: center;
    max-width: 420px;
  }
  .pile-caption .amount {
    font-family: var(--font-mono);
    font-size: 32px;
    color: var(--copper-dim);
    margin-bottom: 6px;
  }
  .pile-caption p {
    color: var(--text-secondary);
    font-size: 15px;
    margin: 0;
  }

  /* ---------- How it works ---------- */
  .section-label {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 28px;
    margin: 0 0 40px;
    text-align: center;
  }
  .steps {
    padding: 32px 0 80px;
  }
  .steps-list {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
  }
  .step {
    border-top: 2px solid var(--ink);
    padding-top: 18px;
  }
  .step-number {
    font-family: var(--font-mono);
    font-size: 14px;
    color: var(--ink);
    margin-bottom: 10px;
  }
  .step h3 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 20px;
    margin: 0 0 10px;
  }
  .step p {
    color: var(--text-secondary);
    font-size: 15px;
    line-height: 1.55;
    margin: 0;
  }

  /* ---------- Side Action spotlight ---------- */
  .spotlight {
    padding: 0 0 88px;
  }
  .spotlight-card {
    background: var(--ink);
    border-radius: 22px;
    padding: 48px;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 40px;
    align-items: center;
    box-shadow: 0 16px 40px rgba(0,0,0,0.18);
  }
  .spotlight-badge {
    display: inline-block;
    background: rgba(217,142,74,0.16);
    color: var(--copper);
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 12px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 6px 12px;
    border-radius: 999px;
    margin-bottom: 16px;
  }
  .spotlight-text h2 {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 30px;
    color: var(--bg);
    margin: 0 0 14px;
    line-height: 1.15;
  }
  .spotlight-text p {
    color: #ADA89C;
    font-size: 15.5px;
    line-height: 1.65;
    margin: 0;
  }
  .spotlight-preview {
    display: flex;
    flex-direction: column;
    gap: 14px;
  }
  .spotlight-event {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(255,255,255,0.05);
    border-left: 4px solid var(--copper);
    border-radius: 12px;
    padding: 18px 22px;
  }
  .spotlight-event .desc {
    color: var(--bg);
    font-size: 15px;
    font-weight: 600;
    font-family: var(--font-body);
  }
  .spotlight-event .sub {
    color: #ADA89C;
    font-size: 12.5px;
    margin-top: 3px;
  }
  .spotlight-event .amt {
    color: #F0AC6C;
    font-weight: 700;
    font-size: 17px;
    white-space: nowrap;
    margin-left: 16px;
  }
  @media (max-width: 720px) {
    .spotlight-card { grid-template-columns: 1fr; padding: 32px 24px; }
  }

  /* ---------- Value props ---------- */
  .values {
    padding: 0 0 88px;
  }
  .values-list {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  .value-card {
    background: var(--surface);
    border-radius: 14px;
    padding: 28px 24px;
    box-shadow: 0 8px 22px rgba(0,0,0,0.06);
  }
  .value-card h3 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 19px;
    margin: 0 0 10px;
  }
  .value-card p {
    color: var(--text-secondary);
    font-size: 14.5px;
    line-height: 1.55;
    margin: 0;
  }

  /* ---------- Footer ---------- */
  footer {
    border-top: 1px solid var(--border);
    padding: 32px 0;
  }
  .footer-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 13px;
    color: var(--text-muted);
  }
  .footer-links a {
    text-decoration: none;
    color: var(--text-secondary);
    margin-left: 20px;
  }
  .footer-links a:first-child { margin-left: 0; }

  @media (max-width: 720px) {
    .steps-list, .values-list { grid-template-columns: 1fr; }
    .footer-row { flex-direction: column; align-items: flex-start; }
    .footer-links a:first-child { margin-left: 0; }
    .footer-links { margin-top: 4px; }
    .footer-links a { margin-left: 0; margin-right: 18px; }
  }

  /* ---------- Buy-in calculator ---------- */
  .calculator {
    padding: 0 0 88px;
  }
  .calc-card {
    background: var(--surface);
    border-radius: 20px;
    padding: 40px 32px;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 40px;
    align-items: center;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
  }
  .calc-fields {
    display: flex;
    flex-direction: column;
    gap: 28px;
  }
  .calc-field label {
    display: block;
    font-size: 13px;
    color: var(--text-secondary);
    margin-bottom: 10px;
  }
  .calc-field-value {
    font-family: var(--font-mono);
    color: var(--copper-dim);
    font-weight: 700;
  }
  .calc-field input[type="range"] {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    background: var(--border);
    outline: none;
  }
  .calc-field input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--ink);
    border: 3px solid var(--surface);
    box-shadow: 0 1px 4px rgba(0,0,0,0.25);
    cursor: pointer;
  }
  .calc-field input[type="range"]::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--ink);
    border: 3px solid var(--surface);
    box-shadow: 0 1px 4px rgba(0,0,0,0.25);
    cursor: pointer;
    border: none;
  }
  .calc-result {
    text-align: center;
    padding: 0 20px;
    border-left: 1px solid var(--border);
    min-width: 200px;
  }
  .calc-result-label {
    font-size: 13px;
    color: var(--text-secondary);
    margin-bottom: 8px;
  }
  .calc-result-amount {
    font-family: var(--font-mono);
    font-size: 40px;
    color: var(--copper);
    white-space: nowrap;
  }
  .calc-result-divider {
    height: 1px;
    background: var(--border);
    margin: 16px 0;
  }
  .calc-result-label-interest {
    color: var(--ink);
  }
  .calc-result-amount-interest {
    font-size: 26px;
    color: var(--ink);
  }
  .calc-note {
    max-width: 640px;
    margin: 20px auto 0;
    text-align: center;
    font-size: 13px;
    color: var(--text-secondary);
    line-height: 1.6;
  }
  .calc-note a {
    color: var(--ink-dim);
    text-decoration: underline;
  }
  @media (max-width: 640px) {
    .calc-card { grid-template-columns: 1fr; }
    .calc-result { border-left: none; border-top: 1px solid var(--border); padding: 24px 0 0; }
  }

  /* ---------- Sidebar navigation (desktop) ---------- */
  .sidebar {
    display: none;
  }

  @media (min-width: 901px) {
    body { display: flex; }

    header { display: none; }

    .sidebar {
      display: flex;
      flex-direction: column;
      position: fixed;
      left: 0;
      top: 0;
      bottom: 0;
      width: 232px;
      padding: 32px 24px;
      background: var(--surface);
      border-right: 1px solid var(--border);
    }
    .sidebar-wordmark {
      font-family: var(--font-display);
      font-weight: 600;
      font-size: 20px;
      margin-bottom: 40px;
    }
    .sidebar-nav {
      display: flex;
      flex-direction: column;
      gap: 4px;
    }
    .sidebar-link {
      text-decoration: none;
      color: var(--text-secondary);
      font-size: 14.5px;
      padding: 9px 12px;
      border-radius: 8px;
    }
    .sidebar-link:hover { background: var(--surface-elevated); }
    .sidebar-link.active {
      color: var(--text-primary);
      font-weight: 600;
      background: var(--surface-elevated);
    }
    .sidebar-cta {
      margin-top: auto;
      background: var(--copper);
      color: var(--ink-dim);
      font-family: var(--font-body);
      font-weight: 700;
      font-size: 14px;
      text-align: center;
      padding: 12px 16px;
      border-radius: 8px;
      text-decoration: none;
    }
    .sidebar-cta:hover { background: var(--copper-dim); }

    .page-content {
      margin-left: 232px;
      width: calc(100% - 232px);
    }
  }

  /* ---------- Legal/article pages ---------- */
  .legal {
    padding: 56px 0 96px;
  }
  .legal .back-link {
    display: inline-block;
    margin-bottom: 28px;
    font-size: 14px;
    color: var(--text-secondary);
    text-decoration: none;
  }
  .legal h1 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 36px;
    margin: 0 0 8px;
    max-width: 640px;
  }
  .legal .updated {
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 40px;
  }
  .legal-body {
    max-width: 640px;
    font-size: 15.5px;
    line-height: 1.7;
    color: var(--text-primary);
  }
  .legal-body h2 {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 21px;
    margin: 40px 0 12px;
  }
  .legal-body h2:first-child { margin-top: 0; }
  .legal-body p { margin: 0 0 16px; }
  .legal-body ul { margin: 0 0 16px; padding-left: 22px; }
  .legal-body li { margin-bottom: 8px; }
  .legal-body a { color: var(--ink-dim); text-decoration: underline; }