/* ============================================================
   Make The Switch — redesign
   Two design directions toggled via body.dir-ledger / body.dir-switchboard
   Ledger      = warm paper, Newsreader serif, pine + brass — editorial/official
   Switchboard = cool white, Archivo, electric green — modern utility/tool
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--page-bg);
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  transition: background-color .4s ease, color .4s ease;
}
h1, h2, h3, h4 { font-family: var(--font-head); margin: 0; line-height: 1.12; color: var(--head-ink); font-weight: var(--head-weight); }
p { margin: 0; text-wrap: pretty; }
a { color: inherit; }
strong, b { font-weight: 680; color: var(--head-ink); }
em { font-style: italic; }

/* ============================================================
   DIRECTION TOKENS
   ============================================================ */
body.dir-ledger {
  --font-body: "Public Sans", system-ui, sans-serif;
  --font-head: "Newsreader", Georgia, serif;
  --font-ui: "Archivo", system-ui, sans-serif;
  --font-num: "Spline Sans Mono", ui-monospace, monospace;
  --head-weight: 500;
  --page-bg: #ecefe9;
  --masthead-bg: #fbfcf9;
  --surface: #fbfcf9;
  --surface-2: #e3e7e0;
  --ink: #2c3a33;
  --ink-soft: #69706c;
  --head-ink: #1d2a23;
  --accent: #2f5d4f;           /* pine */
  --accent-deep: #234a3e;
  --accent-tint: #e2ebe6;
  --accent-2: #a9742f;         /* brass */
  --accent-2-tint: #efe7d6;
  --line: #dce0d8;
  --line-strong: #c8cec3;
  --pos: #2f6f4f;
  --pos-tint: #e4ece6;
  --neg: #a23b3b;
  --neg-tint: #f1e2dd;
  --radius: 6px;
  --radius-lg: 12px;
  --shadow: 0 1px 2px rgba(40,50,40,.05), 0 14px 34px -22px rgba(40,50,40,.4);
  --maxw: 1040px;
  --section-gap: 104px;
}
body.dir-switchboard {
  --font-body: "Public Sans", system-ui, sans-serif;
  --font-head: "Archivo", system-ui, sans-serif;
  --font-ui: "Archivo", system-ui, sans-serif;
  --font-num: "Spline Sans Mono", ui-monospace, monospace;
  --head-weight: 800;
  --page-bg: #eef1f4;
  --surface: #ffffff;
  --surface-2: #f3f6f8;
  --ink: #2b333d;
  --ink-soft: #5c6672;
  --head-ink: #111922;
  --accent: #0f9d63;           /* switch green */
  --accent-deep: #0b7d4e;
  --accent-tint: #def2e9;
  --accent-2: #0f9d63;
  --accent-2-tint: #def2e9;
  --line: #e1e6ec;
  --line-strong: #cdd5dd;
  --pos: #0f9d63;
  --pos-tint: #def2e9;
  --neg: #d4503e;
  --neg-tint: #fbe7e2;
  --radius: 12px;
  --radius-lg: 18px;
  --shadow: 0 1px 2px rgba(20,30,40,.05), 0 18px 40px -26px rgba(20,30,40,.4);
  --maxw: 1140px;
  --section-gap: 112px;
}

/* ============================================================
   LAYOUT PRIMITIVES
   ============================================================ */
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.section { padding-block: calc(var(--section-gap) / 2); }
.section--tight { padding-bottom: 0; }
.section--tightbottom { padding-bottom: calc(var(--section-gap) / 4); }
.rule { height: 1px; background: var(--line); border: 0; margin: 0; }

.shead { margin-bottom: 36px; max-width: 64ch; }
.shead__kicker {
  font-family: var(--font-ui); font-size: 12px; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase; color: var(--accent);
  display: block; margin-bottom: 14px;
}
.shead h2 { font-size: clamp(28px, 4vw, 42px); letter-spacing: -.015em; }
.shead p { color: var(--ink-soft); font-size: 18px; margin-top: 14px; }

.inlink {
  color: var(--accent); font-weight: 600; text-decoration: underline;
  text-underline-offset: 3px; text-decoration-thickness: 1.5px;
  text-decoration-color: color-mix(in srgb, var(--accent) 40%, transparent);
}
.inlink:hover { text-decoration-color: var(--accent); }

/* ============================================================
   DIRECTION SWITCHER (chrome)
   ============================================================ */
.switcher {
  position: fixed; bottom: 22px; left: 50%; transform: translateX(-50%);
  z-index: 60; display: flex; gap: 4px; padding: 5px;
  background: var(--head-ink); border-radius: 999px;
  box-shadow: 0 10px 30px -8px rgba(0,0,0,.5);
}
.switcher__label {
  font-family: var(--font-ui); font-size: 11px; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.55);
  align-self: center; padding: 0 10px 0 12px;
}
.switcher__btn {
  font: inherit; font-family: var(--font-ui); font-weight: 700; font-size: 13px;
  border: 0; cursor: pointer; padding: 8px 16px; border-radius: 999px;
  background: transparent; color: rgba(255,255,255,.75); transition: all .2s;
}
.switcher__btn[aria-pressed="true"] { background: var(--accent); color: #fff; }
@media (max-width: 560px) { .switcher__label { display: none; } }

/* ============================================================
   MASTHEAD
   ============================================================ */
.masthead {
  position: sticky; top: 0; z-index: 50;
  background: var(--masthead-bg, var(--surface));
  border-bottom: 1px solid var(--line);
}
.masthead .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 70px; }
.brand { display: flex; align-items: center; gap: 13px; text-decoration: none; }
.brand__icon {
  height: 38px; flex: none;
  display: grid; place-items: center;
}
.brand__icon img { height: 38px; width: auto; display: block; }
body.dir-ledger .brand__icon { border-radius: 50%; }
.brand__text { display: flex; flex-direction: column; gap: 3px; line-height: 1; }
.brand__mark { font-family: var(--font-ui); font-weight: 800; font-size: 19px; letter-spacing: -.01em; color: var(--head-ink); }
.brand__tag { font-size: 10.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-soft); font-weight: 600; }
.nav { display: flex; gap: 28px; font-family: var(--font-ui); font-size: 14px; font-weight: 600; }
.nav a { text-decoration: none; color: var(--ink-soft); transition: color .2s; }
.nav a:hover { color: var(--accent); }

/* ---- mobile hamburger ---- */
.nav__toggle {
  display: none; width: 46px; height: 46px; margin-right: -10px;
  border: 0; background: transparent; cursor: pointer; padding: 0;
  align-items: center; justify-content: center;
}
.nav__bars { display: block; width: 24px; height: 16px; position: relative; }
.nav__bars span {
  position: absolute; left: 0; width: 100%; height: 2.5px; border-radius: 2px;
  background: var(--head-ink); transition: transform .25s ease, opacity .2s ease;
}
.nav__bars span:nth-child(1) { top: 0; }
.nav__bars span:nth-child(2) { top: 50%; transform: translateY(-50%); }
.nav__bars span:nth-child(3) { bottom: 0; }
.nav__toggle[aria-expanded="true"] .nav__bars span:nth-child(1) { top: 50%; transform: translateY(-50%) rotate(45deg); }
.nav__toggle[aria-expanded="true"] .nav__bars span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] .nav__bars span:nth-child(3) { bottom: auto; top: 50%; transform: translateY(-50%) rotate(-45deg); }

.mobilemenu {
  display: flex; flex-direction: column;
  max-width: var(--maxw); margin: 0 auto; padding: 0 28px;
  border-top: 1px solid var(--line);
  overflow: hidden; max-height: 0; transition: max-height .24s ease;
}
.mobilemenu.is-open { max-height: 340px; }
.mobilemenu a {
  font-family: var(--font-ui); font-weight: 600; font-size: 16px; color: var(--head-ink);
  text-decoration: none; padding: 16px 0; min-height: 44px; display: flex; align-items: center;
  border-bottom: 1px solid var(--line);
}
.mobilemenu a:last-child { border-bottom: 0; }
.mobilemenu a:active { color: var(--accent); }

@media (max-width: 820px) {
  .nav { display: none; }
  .nav__toggle { display: inline-flex; }
}
@media (min-width: 821px) {
  .mobilemenu { display: none !important; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero { padding-top: 40px; padding-bottom: 12px; }
.hero h1 {
  font-size: clamp(26px, 4.1vw, 46px); letter-spacing: -.025em;
  max-width: 18ch; color: var(--head-ink);
}
.hero h1 .nobr { white-space: nowrap; }
body.dir-ledger .hero h1 { font-weight: 500; }
.hero h1 em { color: var(--accent); font-style: italic; }
body.dir-switchboard .hero h1 em { font-style: normal; color: var(--accent); }
.hero__lead {
  margin-top: 26px; max-width: 62ch; font-size: 15px;
}
.hero__faqlink {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 4px; white-space: nowrap;
  font-family: var(--font-ui); font-weight: 700; font-size: 14px; color: var(--accent);
  text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1.5px;
  text-decoration-color: color-mix(in srgb, var(--accent) 45%, transparent);
}
.hero__faqlink:hover { gap: 12px; text-decoration-color: var(--accent); }
.hero__intro { margin-top: 30px; max-width: 64ch; display: grid; gap: 16px; font-size: 18px; color: var(--ink); }
body.dir-ledger .hero__intro {
  border-left: 3px solid var(--accent-2); padding-left: 26px;
}
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.btn {
  font-family: var(--font-ui); font-weight: 700; font-size: 15px;
  padding: 14px 24px; border-radius: var(--radius); cursor: pointer;
  text-decoration: none; display: inline-flex; align-items: center; gap: 9px;
  border: 1.5px solid transparent; transition: all .2s;
}
.btn--primary { background: var(--accent); color: #fff; }
.btn--primary:hover { background: var(--accent-deep); }
.btn--ghost { background: transparent; color: var(--head-ink); border-color: var(--line-strong); }
.btn--ghost:hover { border-color: var(--accent); color: var(--accent); }
body.dir-switchboard .btn { border-radius: 999px; }

/* ============================================================
   STAT BAND (market pricing Q2 2026)
   ============================================================ */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 13px; }
.statcard {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 21px 19px; box-shadow: var(--shadow); position: relative; overflow: hidden;
}
.statcard__label { font-family: var(--font-ui); font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-soft); }
.statcard__num { font-family: var(--font-num); font-weight: 600; font-size: clamp(24px, 3.2vw, 34px); letter-spacing: -.02em; color: var(--head-ink); margin-top: 11px; line-height: 1; }
.statcard__note { font-size: 12px; color: var(--ink-soft); margin-top: 8px; }
.statcard--hi .statcard__num { color: var(--neg); }
.statcard--lo .statcard__num { color: var(--pos); }
.statcard--mid { border-color: color-mix(in srgb, var(--accent) 40%, var(--line)); background: color-mix(in srgb, var(--accent) 5%, var(--surface)); }
.stats__caption { margin-top: 20px; font-size: 13.5px; color: var(--ink-soft); }
.stats__caption sup { color: var(--accent); font-weight: 700; }
@media (max-width: 760px) { .stats { grid-template-columns: 1fr 1fr; } }
/* mobile: keep a compact 2x2 grid so the directory is reachable with less scrolling */
@media (max-width: 600px) {
  .stats { gap: 9px; }
  .statcard { padding: 13px 13px; border-radius: var(--radius); }
  .statcard__label { font-size: 9.5px; letter-spacing: .07em; line-height: 1.25; }
  .statcard__num { font-size: 25px; margin-top: 6px; }
  .statcard__note { font-size: 11px; margin-top: 4px; }
  .stats__caption { margin-top: 14px; font-size: 12.5px; }
}

/* ============================================================
   DIRECTORY
   ============================================================ */
.dir__bar {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between;
  gap: 18px 28px; margin: 0;
  padding: 20px 22px; background: color-mix(in srgb, var(--accent) 9%, var(--surface));
  border-bottom: 1px solid var(--line-strong);
}
.dir__filters { display: flex; flex-wrap: wrap; gap: 18px 28px; align-items: flex-start; }
.dir__filter .seg--plan { flex-wrap: wrap; max-width: 480px; margin-top: 0; }
.seg--plan .seg__btn { flex: 0 1 auto; white-space: normal; line-height: 1.25; min-width: 110px; min-height: 44px; padding: 8px 16px; display: inline-flex; align-items: center; justify-content: center; background: var(--surface); }
.dir__filter { display: flex; flex-direction: column; gap: 7px; }
.dir__hint { font-size: 12.5px; color: var(--ink-soft); line-height: 1.45; max-width: 38ch; margin-top: 1px; }
.dir__hint em { font-style: italic; color: var(--head-ink); }
.dir__plannote {
  display: flex; gap: 10px; align-items: flex-start;
  background: var(--accent-2-tint);
  border: 0; border-bottom: 1px solid color-mix(in srgb, var(--accent-2) 30%, var(--line));
  border-radius: 0; padding: 13px 22px; margin: 0; font-size: 14px; color: var(--ink); line-height: 1.5;
}
.dir__plannote::before { content: "!"; flex: none; width: 20px; height: 20px; border-radius: 50%; background: var(--accent-2); color: #fff; display: grid; place-items: center; font-family: var(--font-ui); font-weight: 800; font-size: 12px; margin-top: 1px; }
.dir__plannote strong { color: var(--head-ink); }
.dir__plannote[hidden] { display: none; }
.dir__filter label { font-family: var(--font-ui); font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); display: inline-flex; align-items: center; gap: 7px; }
.infodot {
  display: inline-grid; place-items: center; width: 17px; height: 17px; border-radius: 50%;
  background: var(--ink-soft); color: var(--surface); font-family: var(--font-ui); font-weight: 800;
  font-size: 11px; letter-spacing: 0; text-transform: none; cursor: help; position: relative; outline: none;
}
.infodot:hover, .infodot:focus { background: var(--accent); }
.infotip {
  position: absolute; top: calc(100% + 11px); left: 0;
  width: max-content; max-width: min(260px, calc(100vw - 32px)); background: var(--head-ink); color: #fff; font-family: var(--font-body); font-weight: 400;
  font-size: 12.5px; letter-spacing: 0; text-transform: none; line-height: 1.5; text-align: left;
  padding: 11px 13px; border-radius: 10px; box-shadow: 0 10px 28px -10px rgba(0,0,0,.45);
  opacity: 0; visibility: hidden; transition: opacity .15s ease; z-index: 20; pointer-events: none;
}
.infotip::after { content: ""; position: absolute; bottom: 100%; left: var(--arrow-x, 50%); transform: translateX(-50%); border: 6px solid transparent; border-bottom-color: var(--head-ink); }
.infotip em { font-style: italic; color: #fff; font-weight: 600; }
.infodot:hover .infotip { opacity: 1; visibility: visible; }
.infodot:focus .infotip { opacity: 1; visibility: visible; }
.infodot:focus-within .infotip { opacity: 1; visibility: visible; }
.dir__select {
  font: inherit; font-size: 15px; height: 44px; padding: 0 38px 0 15px; min-width: 240px;
  border: 1.5px solid var(--line-strong); border-radius: var(--radius); background: var(--surface); color: var(--head-ink); cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%236c7269' stroke-width='1.6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
}
.dir__select:focus { outline: none; border-color: var(--accent); }
.dir__meta { flex: none; display: flex; flex-direction: column; align-items: flex-end; gap: 4px; text-align: right; }
.dir__count { font-family: var(--font-ui); font-weight: 700; font-size: 15px; color: var(--head-ink); white-space: nowrap; }
.dir__updated { font-size: 12.5px; color: var(--ink-soft); white-space: nowrap; }

.dir__tablewrap {
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow); overflow: hidden;
}
.dir__scroll { max-height: 720px; overflow-y: auto; }
table.dir { width: 100%; border-collapse: collapse; }
.dir thead th {
  position: sticky; top: 0; z-index: 2;
  background: var(--surface); text-align: left;
  font-family: var(--font-ui); font-size: 12px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--ink-soft);
  padding: 15px 22px; border-bottom: 1px solid var(--line-strong); cursor: pointer; user-select: none; white-space: nowrap;
}
.dir thead th:hover { color: var(--accent); }
.dir thead th .th__inner { display: inline-flex; align-items: center; gap: 9px; }
.th__sort {
  display: inline-flex; align-items: center; gap: 5px; height: 24px; padding: 0 8px;
  border-radius: 7px; color: var(--ink-soft);
  background: color-mix(in srgb, var(--ink-soft) 14%, transparent);
  transition: background .15s, color .15s;
}
.th__sort svg { width: 15px; height: 15px; display: block; }
.th__type { font-family: var(--font-num); font-size: 11px; font-weight: 600; letter-spacing: .01em; }
.dir thead th:hover .th__sort { background: var(--accent); color: #fff; }
th[aria-sort="ascending"] .th__sort, th[aria-sort="descending"] .th__sort { background: var(--accent); color: #fff; }
th[aria-sort="ascending"], th[aria-sort="descending"] { color: var(--accent); }
.dir th.col-fee, .dir td.dir__fee { text-align: right; }
.dir th.col-site, .dir td.dir__site { text-align: center; width: 124px; }
.dir th.col-site { cursor: default; }
.dir th.col-site:hover { color: var(--ink-soft); }
.dir th.col-cx, .dir td.dir__cx { text-align: center; width: 130px; }
.dir tbody td { padding: 15px 22px; border-bottom: 1px solid var(--line); font-size: 16px; vertical-align: middle; }
.dir tbody tr:last-child td { border-bottom: 0; }
.dir tbody tr:hover { background: var(--accent-tint); }
.dir__firm { font-weight: 600; color: var(--head-ink); }
.dir__status {
  display: inline-block; margin-left: 10px; font-family: var(--font-ui);
  font-size: 10.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--neg); background: var(--neg-tint); padding: 3px 9px; border-radius: 999px; vertical-align: middle;
}
.dir__status--wait { color: var(--accent-2); background: var(--accent-2-tint); }
.dir__fee { font-family: var(--font-num); font-weight: 600; font-size: 16px; color: var(--head-ink); }
.dir__visit {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-ui); font-weight: 700; font-size: 13px;
  color: var(--accent); text-decoration: none;
  padding: 7px 14px; border: 1.5px solid var(--line-strong); border-radius: 999px;
  transition: all .15s; white-space: nowrap;
}
.dir__visit svg { width: 13px; height: 13px; transition: transform .15s; }
.dir__visit:hover { border-color: var(--accent); background: var(--accent); color: #fff; }
.dir__visit:hover svg { transform: translate(1px, -1px); }
.dir__visit:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.dir__nosite { color: var(--ink-soft); }
.pill { display: inline-block; font-family: var(--font-ui); font-size: 12px; font-weight: 700; padding: 4px 14px; border-radius: 999px; }
.pill--yes { background: var(--pos-tint); color: var(--pos); }
.pill--no { background: var(--surface-2); color: var(--ink-soft); }
.dir__empty { text-align: center; color: var(--ink-soft); padding: 48px 22px !important; font-style: italic; }
.dir__scrollhint { text-align: center; font-size: 12.5px; color: var(--ink-soft); padding: 12px; border-top: 1px solid var(--line-strong); background: color-mix(in srgb, var(--accent) 9%, var(--surface)); }
.dir__fee-note { margin-top: 16px; font-size: 14px; color: var(--ink-soft); max-width: 70ch; }
@media (max-width: 820px) {
  /* mobile: let the directory flow with the page instead of scrolling inside itself */
  .dir__scroll { max-height: none; overflow: visible; }
  .dir thead th { position: static; }
  .dir__scrollhint { display: none; }
}
@media (max-width: 600px) {
  .dir__select { min-width: 0; width: 100%; }
  .dir__filter { width: 100%; }
  .dir thead th { padding: 11px 14px; font-size: 11px; }
  .dir tbody td { padding: 11px 14px; font-size: 15px; }
  .dir__fee { font-size: 15px; }
  .dir__visit { padding: 7px 11px; font-size: 12.5px; }
  .dir__status { display: block; margin-left: 0; margin-top: 4px; }
  .acc__btn { padding: 18px 18px; gap: 12px; }
  .acc__q { font-size: 17px; }
  .acc__body-inner { padding-left: 18px !important; padding-right: 18px !important; }
}
@media (max-width: 560px) {
  .brand__tag { display: none; }
  .brand__mark { font-size: 18px; }
  .wrap { padding: 0 20px; }
  .mobilemenu { padding: 0 20px; }
}

/* ============================================================
   ACCORDION (changelog, methodology, FAQ)
   ============================================================ */
.acclist { border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: var(--surface); box-shadow: var(--shadow); }
.acc { border-top: 1px solid var(--line); }
.acc:first-child { border-top: 0; }
.acc__btn {
  width: 100%; text-align: left; border: 0; background: transparent; cursor: pointer;
  font: inherit; padding: 20px 26px; display: flex; align-items: center; gap: 18px; color: var(--head-ink);
}
.acc__btn:hover { background: var(--surface-2); }
.acc__q { flex: 1; font-family: var(--font-head); font-size: 19px; font-weight: var(--head-weight); color: var(--head-ink); letter-spacing: -.01em; }
body.dir-switchboard .acc__q { font-size: 17px; }
.acc__chev { flex: none; color: var(--accent); transition: transform .25s; font-size: 14px; }
.acc[open] .acc__chev { transform: rotate(180deg); }
.acc__body { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc__body-inner { padding: 2px 26px 24px; color: var(--ink-soft); font-size: 16.5px; display: grid; gap: 13px; max-width: 74ch; }
.acc__body-inner strong { color: var(--head-ink); }
.acc__date {
  flex: none; font-family: var(--font-num); font-size: 13px; font-weight: 600; color: var(--accent);
  min-width: 116px;
}
@media (max-width: 560px) { .acc__date { min-width: 0; } .acc__btn { flex-wrap: wrap; gap: 6px 14px; } }

/* small lead-in note above an accordion list */
.note {
  background: var(--surface); border: 1px solid var(--line); border-left: 3px solid var(--accent);
  border-radius: var(--radius); padding: 18px 22px; font-size: 15px; color: var(--ink); margin-bottom: 22px; max-width: 74ch;
}
.note--oneline { max-width: none; white-space: nowrap; overflow-x: auto; }
@media (max-width: 720px) { .note--oneline { white-space: normal; } }

/* ============================================================
   CALCULATOR (visual)
   ============================================================ */
.calc__badge {
  display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-ui);
  font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  color: var(--accent-2); background: var(--accent-2-tint); padding: 6px 13px; border-radius: 999px; margin-bottom: 18px;
}
.calc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); overflow: hidden; }
.calc__grid { display: grid; grid-template-columns: 390px 1fr; }
@media (max-width: 840px) { .calc__grid { grid-template-columns: 1fr; } }
.calc__controls { padding: 34px; background: var(--surface-2); border-right: 1px solid var(--line); }
@media (max-width: 840px) { .calc__controls { border-right: 0; border-bottom: 1px solid var(--line); } }
.ctrl { margin-bottom: 26px; }
.ctrl:last-child { margin-bottom: 0; }
.ctrl__row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 11px; }
.ctrl__label { font-family: var(--font-ui); font-weight: 700; color: var(--head-ink); font-size: 14px; }
.ctrl__val { font-family: var(--font-num); font-weight: 600; font-size: 19px; color: var(--accent); }
input[type="range"] { -webkit-appearance: none; appearance: none; accent-color: var(--accent); width: 100%; height: 6px; border-radius: 999px; background: var(--line-strong); outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 1px 6px rgba(0,0,0,.25); cursor: pointer; }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); cursor: pointer; }
.ctrl__hint { font-size: 12.5px; color: var(--ink-soft); margin-top: 8px; }

.calc__out { padding: 34px; display: flex; flex-direction: column; }
.calc__headline { font-family: var(--font-ui); font-size: 14px; font-weight: 600; color: var(--ink-soft); }
.calc__saved { font-family: var(--font-num); font-weight: 600; font-size: clamp(38px, 6vw, 58px); color: var(--pos); letter-spacing: -.02em; line-height: 1; margin-top: 6px; }
.calc__savedsub { color: var(--ink-soft); font-size: 14px; margin-top: 12px; max-width: 46ch; }
.bars { margin-top: 30px; display: grid; gap: 20px; }
.bar__top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 9px; }
.bar__name { font-family: var(--font-ui); font-size: 13.5px; font-weight: 600; color: var(--head-ink); }
.bar__amt { font-family: var(--font-num); font-weight: 600; font-size: 18px; }
.bar__track { height: 26px; border-radius: 7px; background: var(--surface-2); overflow: hidden; }
.bar__fill { height: 100%; border-radius: 7px; transition: width .5s cubic-bezier(.2,.7,.2,1); }
.bar--aum .bar__amt { color: var(--accent-2); }
.bar--aum .bar__fill { background: var(--accent-2); }
.bar--advice .bar__amt { color: var(--pos); }
.bar--advice .bar__fill { background: var(--pos); }
.calc__note { font-size: 13px; color: var(--ink-soft); font-style: italic; margin-top: 26px; }

.assume { margin-top: 22px; }
.assume summary { font-family: var(--font-ui); font-weight: 700; font-size: 14px; color: var(--accent); cursor: pointer; }
.assume ul { margin: 14px 0 0; padding-left: 20px; color: var(--ink-soft); font-size: 14px; display: grid; gap: 7px; }
.assume li strong { color: var(--head-ink); }

/* ---- calculator controls: segmented, toggle, custom fees ---- */
.seg { display: flex; gap: 6px; margin-top: 10px; }
.seg__btn {
  flex: 1; font: inherit; font-family: var(--font-ui); font-weight: 700; font-size: 13.5px;
  padding: 10px 6px; border: 1.5px solid var(--line-strong); border-radius: var(--radius);
  background: var(--surface); color: var(--ink-soft); cursor: pointer; transition: all .15s; white-space: nowrap;
}
.seg__btn:hover { border-color: var(--accent); color: var(--accent); }
.seg__btn[aria-pressed="true"] { background: var(--accent); border-color: var(--accent); color: #fff; }

.toggle { display: flex; align-items: center; gap: 12px; cursor: pointer; }
.toggle input { position: absolute; opacity: 0; width: 0; height: 0; }
.toggle__track { flex: none; width: 44px; height: 26px; border-radius: 999px; background: var(--line-strong); position: relative; transition: background .2s; }
.toggle__dot { position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.3); transition: transform .2s; }
.toggle input:checked + .toggle__track { background: var(--accent); }
.toggle input:checked + .toggle__track .toggle__dot { transform: translateX(18px); }
.toggle input:focus-visible + .toggle__track { outline: 2px solid var(--accent); outline-offset: 2px; }
.toggle__label { font-family: var(--font-ui); font-weight: 700; font-size: 14px; color: var(--head-ink); }

.customfee { margin-top: 4px; }
.customfee summary { font-family: var(--font-ui); font-weight: 700; font-size: 13.5px; color: var(--accent); cursor: pointer; }
.customfee__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 14px; }
.fieldlbl { font-family: var(--font-ui); font-size: 12.5px; font-weight: 700; color: var(--ink-soft); display: grid; gap: 7px; }
.field { display: flex; align-items: center; border: 1.5px solid var(--line-strong); border-radius: var(--radius); background: var(--surface); overflow: hidden; }
.field:focus-within { border-color: var(--accent); }
.field__pre { padding: 0 4px 0 11px; color: var(--ink-soft); font-family: var(--font-num); }
.field input { font: inherit; font-family: var(--font-num); font-weight: 600; border: 0; outline: none; background: transparent; color: var(--head-ink); width: 100%; padding: 10px 11px 10px 0; }
@media (max-width: 460px) { .customfee__grid { grid-template-columns: 1fr; } }

/* ---- calculator chart ---- */
.cc-wrap { margin-top: 28px; }
.cc-legend { display: flex; gap: 20px; margin-bottom: 6px; }
.cc-leg { font-family: var(--font-ui); font-size: 13px; font-weight: 600; color: var(--ink-soft); display: inline-flex; align-items: center; gap: 8px; }
.cc-leg::before { content: ""; width: 16px; height: 3px; border-radius: 2px; }
.cc-leg--adv::before { background: var(--accent); }
.cc-leg--aum::before { background: var(--accent-2); }
.cc-chart svg { width: 100%; height: auto; display: block; }
.cc-grid { stroke: var(--line); stroke-width: 1; }
.cc-axislbl, .cc-tick { fill: var(--ink-soft); font-family: var(--font-num); font-size: 11px; }
.cc-area { fill: var(--accent); opacity: .10; }
.cc-line { fill: none; stroke-width: 3; stroke-linejoin: round; stroke-linecap: round; }
.cc-line--adv { stroke: var(--accent); }
.cc-line--aum { stroke: var(--accent-2); }

/* ============================================================
   FOOTER
   ============================================================ */
.foot { margin-top: var(--section-gap); padding: 44px 0; border-top: 1px solid var(--line); background: var(--surface); }
.foot .wrap { color: var(--ink-soft); font-size: 14px; max-width: 76ch; display: grid; gap: 14px; }
.foot__brand { font-family: var(--font-ui); font-weight: 800; color: var(--head-ink); font-size: 16px; }
.foot strong { color: var(--head-ink); }
.foot__fine { font-size: 12.5px; line-height: 1.55; opacity: .9; }
.totop { font-family: var(--font-ui); font-weight: 700; color: var(--accent); text-decoration: none; font-size: 14px; }
.foot__links { display: flex; align-items: center; gap: 14px; }
.foot__sep { color: var(--line-strong); }

/* ---- privacy policy modal ---- */
.privacy {
  max-width: 560px; width: calc(100% - 40px); padding: 38px 40px 32px;
  border: 1px solid var(--line-strong); border-radius: var(--radius-lg);
  background: var(--surface); color: var(--ink); box-shadow: 0 30px 80px -24px rgba(20,30,25,.5);
  position: relative;
}
.privacy::backdrop { background: rgba(20,28,22,.5); backdrop-filter: blur(2px); }
.privacy h2 { font-family: var(--font-head); font-weight: var(--head-weight); color: var(--head-ink); font-size: 28px; margin-bottom: 4px; }
.privacy__date { font-family: var(--font-ui); font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 18px; }
.privacy p { font-size: 15px; line-height: 1.6; margin-bottom: 13px; }
.privacy strong { color: var(--head-ink); }
.privacy__actions { margin-top: 22px; }
.privacy__x {
  position: absolute; top: 16px; right: 16px; width: 34px; height: 34px;
  border: 0; border-radius: 50%; background: var(--surface-2); color: var(--ink-soft);
  font-size: 22px; line-height: 1; cursor: pointer; transition: all .15s;
}
.privacy__x:hover { background: var(--accent); color: #fff; }
@media (max-width: 460px) { .privacy { padding: 30px 22px 26px; } .privacy h2 { font-size: 24px; } }