/* =============================================================
   Forward Wealth — Marketing site
   Tokens lifted verbatim from the brand kit, plus page styles.
   ============================================================= */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700&family=JetBrains+Mono:wght@400;500&display=swap');

:root {
  /* Brand */
  --fw-blue:        #0063FF;
  --fw-blue-deep:   #0047BB;
  --fw-cyan:        #00FFFF;
  --fw-teal:        #2CD5C4;
  --fw-black:       #101820;
  --fw-true-black:  #000000;
  --fw-white:       #FFFFFF;

  /* Neutral ramp */
  --neutral-0:    #FFFFFF;
  --neutral-50:   #F6F6F4;
  --neutral-100:  #EFF0F1;
  --neutral-200:  #E7E8EC;
  --neutral-300:  #D1D4DA;
  --neutral-400:  #A6ABB4;
  --neutral-500:  #767D89;
  --neutral-600:  #545C6A;
  --neutral-700:  #383F4C;
  --neutral-800:  #232934;
  --neutral-900:  #101820;

  /* Semantic */
  --fg-1: var(--fw-black);
  --fg-2: var(--neutral-700);
  --fg-3: var(--neutral-500);
  --fg-on-dark: var(--neutral-0);
  --fg-link: var(--fw-blue);

  --bg-1: var(--neutral-0);
  --bg-2: var(--neutral-50);
  --bg-3: var(--neutral-100);
  --bg-dark-1: var(--fw-black);
  --bg-dark-2: var(--neutral-800);
  --bg-brand: var(--fw-blue);

  --border-1: var(--neutral-200);
  --border-2: var(--neutral-300);
  --border-dark: rgba(255, 255, 255, 0.12);

  /* Status */
  --status-success: #1E8F5A;
  --status-warning: #B86E00;
  --status-danger:  #C8341B;
  --status-info:    var(--fw-blue);

  /* Type */
  --font-sans: "Poppins", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-mono: "JetBrains Mono", ui-monospace, "SF Mono", Menlo, Consolas, monospace;
  --font-display: var(--font-sans);

  --weight-light:    300;
  --weight-regular:  400;
  --weight-medium:   500;
  --weight-semibold: 600;
  --weight-bold:     700;

  --text-2xs:  11px;
  --text-xs:   12px;
  --text-sm:   14px;
  --text-base: 16px;
  --text-md:   18px;
  --text-lg:   20px;
  --text-xl:   24px;
  --text-2xl:  30px;
  --text-3xl:  38px;
  --text-4xl:  48px;
  --text-5xl:  60px;
  --text-6xl:  76px;
  --text-7xl:  96px;

  --lh-tight:   1.05;
  --lh-snug:    1.18;
  --lh-normal:  1.35;
  --lh-relaxed: 1.55;
  --lh-loose:   1.7;

  --tracking-tight:   -0.02em;
  --tracking-normal:   0;
  --tracking-wide:     0.04em;
  --tracking-eyebrow:  0.12em;

  /* Spacing */
  --space-1:  4px;
  --space-2:  8px;
  --space-3:  12px;
  --space-4:  16px;
  --space-5:  20px;
  --space-6:  24px;
  --space-7:  32px;
  --space-8:  40px;
  --space-9:  48px;
  --space-10: 64px;
  --space-11: 80px;
  --space-12: 96px;
  --space-14: 128px;
  --space-16: 160px;

  /* Radii */
  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --radius-xl:   28px;
  --radius-2xl:  40px;
  --radius-pill: 999px;

  /* Shadows */
  --shadow-1: 0 1px 2px rgba(16, 24, 32, 0.06), 0 1px 3px rgba(16, 24, 32, 0.04);
  --shadow-2: 0 4px 12px rgba(16, 24, 32, 0.08), 0 2px 4px rgba(16, 24, 32, 0.04);
  --shadow-3: 0 12px 32px rgba(16, 24, 32, 0.12), 0 4px 8px rgba(16, 24, 32, 0.06);
  --shadow-4: 0 24px 60px rgba(16, 24, 32, 0.18), 0 8px 16px rgba(16, 24, 32, 0.08);

  --focus-ring: 0 0 0 2px var(--bg-1), 0 0 0 4px var(--fw-blue);

  /* Motion */
  --ease-forward:   cubic-bezier(0.2, 0.7, 0.2, 1);
  --duration-micro: 120ms;
  --duration-base:  220ms;
  --duration-page:  420ms;

  /* Layout */
  --container-lg:  1120px;
  --container-xl:  1280px;

  --nav-h-desktop: 72px;
  --nav-h-mobile:  56px;
}

/* =============================================================
   Base
   ============================================================= */

*, *::before, *::after { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg-1);
}

body {
  font-family: var(--font-sans);
  font-weight: var(--weight-regular);
  font-size: var(--text-base);
  line-height: var(--lh-relaxed);
  color: var(--fg-1);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5, p, ul, ol { margin: 0; padding: 0; }
ul, ol { list-style: none; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
img, svg { display: block; }

:focus-visible {
  outline: 2px solid var(--fw-blue);
  outline-offset: 2px;
  border-radius: 4px;
}

/* =============================================================
   Type helpers
   ============================================================= */

.eyebrow {
  font-size: var(--text-xs);
  font-weight: var(--weight-medium);
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--fg-2);
}

.num {
  font-variant-numeric: tabular-nums;
}

/* =============================================================
   Buttons
   ============================================================= */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px;
  border-radius: 14px;
  font-size: 15px;
  font-weight: var(--weight-medium);
  border: 0;
  transition: background var(--duration-micro) var(--ease-forward),
              color var(--duration-micro) var(--ease-forward),
              border-color var(--duration-micro) var(--ease-forward),
              transform 80ms var(--ease-forward);
  white-space: nowrap;
}

.btn:active { transform: scale(0.97); opacity: 0.92; }

.btn--lg { padding: 16px 28px; font-size: 16px; }
.btn--sm { padding: 10px 18px; font-size: 14px; border-radius: 12px; }

.btn--primary {
  background: var(--fw-blue);
  color: #fff;
}
.btn--primary:hover { background: var(--fw-blue-deep); }

.btn--ghost {
  background: transparent;
  color: var(--fg-1);
  border: 1px solid var(--border-1);
}
.btn--ghost:hover { background: var(--neutral-50); }

.btn--light {
  background: #fff;
  color: var(--fw-black);
}
.btn--light:hover { background: var(--neutral-50); }

.btn--ghost-dark {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.22);
}
.btn--ghost-dark:hover { background: rgba(255, 255, 255, 0.08); }

.icon { flex-shrink: 0; }

/* =============================================================
   Header
   ============================================================= */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  height: var(--nav-h-desktop);
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background var(--duration-base) var(--ease-forward),
              border-color var(--duration-base) var(--ease-forward);
}
.site-header__inner {
  display: flex;
  align-items: center;
  max-width: var(--container-xl);
  margin: 0 auto;
  padding: 0 40px;
  height: 100%;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.78);
  border-bottom-color: var(--border-1);
  -webkit-backdrop-filter: blur(20px);
  backdrop-filter: blur(20px);
}

.site-header__logo img { height: calc(14px * 1.55 + 10px * 2); }

.site-header__nav {
  display: flex;
  gap: 4px;
  margin-left: 56px;
  flex: 1;
}

.site-header__link {
  font-size: 14px;
  font-weight: var(--weight-medium);
  color: var(--fg-1);
  padding: 8px 14px;
  border-radius: 10px;
  transition: background var(--duration-micro) var(--ease-forward);
}
.site-header__link:hover { background: var(--neutral-50); }
.site-header__link--muted { color: var(--fg-2); }

.site-header__actions {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-left: auto;
}

/* =============================================================
   Hero
   ============================================================= */

.hero {
  padding: 72px 40px 120px;
  max-width: var(--container-xl);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
}

.hero__pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border: 1px solid var(--border-1);
  border-radius: 999px;
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg-2);
  margin-bottom: 24px;
}
.hero__pill-dot {
  width: 6px; height: 6px;
  border-radius: 999px;
  background: var(--fw-blue);
}

.hero__headline {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: clamp(44px, 6.2vw, 80px);
  line-height: 1.02;
  letter-spacing: -0.025em;
  color: var(--fg-1);
}
.hero__headline-soft {
  font-weight: var(--weight-regular);
  color: var(--neutral-500);
}

.hero__lede {
  font-size: 19px;
  line-height: 1.55;
  color: var(--fg-2);
  max-width: 540px;
  margin-top: 28px;
  margin-bottom: 36px;
}

.hero__actions {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
}

.hero__stats {
  display: flex;
  gap: 32px;
  margin-top: 56px;
  align-items: center;
  flex-wrap: wrap;
}

.stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.stat__value {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 22px;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  color: var(--fg-1);
}
.stat__sub {
  font-size: 13px;
  font-weight: var(--weight-regular);
  color: var(--fg-3);
  margin-left: 4px;
}
.stat__label {
  font-size: 11px;
  color: var(--fg-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: var(--weight-medium);
}
.stat-divider {
  width: 1px;
  height: 32px;
  background: var(--border-1);
}

/* Hero cards */

.hero__cards {
  position: relative;
  height: 600px;
}

.credit-card {
  position: absolute;
  top: 0;
  right: 0;
  width: 420px;
  background: var(--fw-black);
  color: #fff;
  border-radius: 28px;
  padding: 28px;
  box-shadow: var(--shadow-4);
  overflow: hidden;
}
.credit-card::before {
  content: "";
  position: absolute;
  left: 28px; right: 28px; top: 0;
  height: 3px;
  background: var(--fw-cyan);
}

.credit-card__row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}
.credit-card__label {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  font-weight: var(--weight-medium);
}
.credit-card__amount {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 48px;
  letter-spacing: -0.025em;
  font-variant-numeric: tabular-nums;
  margin-top: 6px;
  line-height: 1;
}
.credit-card__sub {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
  margin-top: 8px;
}
.credit-card__badge {
  font-size: 11px;
  padding: 5px 10px;
  border-radius: 999px;
  background: rgba(0, 255, 255, 0.18);
  color: var(--fw-cyan);
  font-weight: var(--weight-medium);
  letter-spacing: 0.04em;
}

.credit-card__pledged {
  margin-top: 24px;
}
.credit-card__section-label {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  font-weight: var(--weight-medium);
  margin-bottom: 12px;
}

.pledge-row {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.pledge-row__name {
  flex: 1;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.88);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.pledge-row__ltv {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
  font-variant-numeric: tabular-nums;
}
.pledge-row__amt {
  font-size: 13px;
  font-weight: var(--weight-medium);
  color: #fff;
  font-variant-numeric: tabular-nums;
  min-width: 78px;
  text-align: right;
}

.credit-card__note {
  margin-top: 22px;
  padding: 12px 14px;
  border-radius: 12px;
  background: rgba(0, 99, 255, 0.18);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.88);
}
.credit-card__note .icon { color: var(--fw-cyan); }

.interest-card {
  position: absolute;
  left: 0;
  bottom: 0;
  width: 280px;
  background: #fff;
  border: 1px solid var(--border-1);
  border-radius: 20px;
  padding: 20px;
  box-shadow: var(--shadow-3);
}
.interest-card__amount {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 28px;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  margin-top: 6px;
}
.interest-card__sub {
  font-size: 12px;
  color: var(--fg-3);
  margin-top: 4px;
}
.interest-card__rate {
  font-size: 11px;
  padding: 4px 10px;
  border-radius: 999px;
  background: #E5EFFF;
  color: var(--fw-blue);
  font-weight: var(--weight-medium);
}
.interest-card__bar {
  height: 6px;
  background: var(--neutral-100);
  border-radius: 999px;
  margin-top: 16px;
  overflow: hidden;
}
.interest-card__fill {
  height: 100%;
  width: 32%;
  background: var(--fw-blue);
}
.interest-card__legend {
  font-size: 11px;
  color: var(--fg-3);
  margin-top: 8px;
  display: flex;
  justify-content: space-between;
  font-variant-numeric: tabular-nums;
}

/* =============================================================
   Section scaffolding
   ============================================================= */

.section {
  padding: 120px 40px;
}
.section--bone   { background: var(--neutral-50); }
.section--white  { background: #fff; }
.section--dark   { background: var(--fw-black); color: #fff; }

.section__inner {
  max-width: 1200px;
  margin: 0 auto;
}
.section__inner--narrow {
  max-width: 1120px;
  margin: 0 auto;
}

.section__head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: end;
  margin-bottom: 56px;
}

.section__head--single {
  display: block;
  max-width: 720px;
  margin-bottom: 64px;
}

.section__eyebrow {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fg-2);
  margin-bottom: 16px;
}

.section__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 44px;
  line-height: 1.08;
  letter-spacing: -0.02em;
}
.section__title--lg {
  font-size: 48px;
  line-height: 1.05;
}
.section__title-soft {
  font-weight: var(--weight-regular);
  color: var(--neutral-500);
}

.section__intro {
  font-size: 17px;
  color: var(--fg-2);
  line-height: 1.6;
  max-width: 480px;
}

/* =============================================================
   Tile grid (used by How it works, Why Forward, Manage flow)
   ============================================================= */

.tile-grid {
  display: grid;
  gap: 1px;
  background: var(--border-1);
  border: 1px solid var(--border-1);
  border-radius: 24px;
  overflow: hidden;
}
.tile-grid--5 { grid-template-columns: repeat(5, 1fr); }
.tile-grid--3 { grid-template-columns: repeat(3, 1fr); }

.tile {
  background: #fff;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-height: 280px;
  position: relative;
}
.tile--lg { padding: 32px; }

.tile__step {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 14px;
  color: var(--fw-blue);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.02em;
}

.tile__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--neutral-50);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fg-1);
}
.tile__icon--brand { color: var(--fw-blue); }

.tile__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 18px;
  line-height: 1.25;
  letter-spacing: -0.01em;
}
.tile--lg .tile__title { font-size: 20px; }

.tile__body {
  font-size: 13.5px;
  color: var(--fg-2);
  line-height: 1.55;
  flex: 1;
}
.tile--lg .tile__body { font-size: 14.5px; }

.tile__arrow {
  position: absolute;
  right: -8px;
  top: 56px;
  color: var(--neutral-300);
}

.tile__cta {
  color: var(--fw-blue);
  font-size: 14px;
  font-weight: var(--weight-medium);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

/* =============================================================
   Calculator
   ============================================================= */

.calc-card {
  background: #fff;
  border: 1px solid var(--border-1);
  border-radius: 28px;
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1px 1fr;
  gap: 40px;
}
.calc-card__divider { background: var(--border-1); }

.calc-row + .calc-row { margin-top: 24px; }

.calc-row__head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
}
.calc-row__label {
  font-size: 13px;
  font-weight: var(--weight-medium);
  color: var(--fg-1);
}
.calc-row__sub {
  font-size: 11.5px;
  color: var(--fg-3);
  margin-top: 3px;
}
.calc-row__readout {
  text-align: right;
  flex-shrink: 0;
}
.calc-row__value {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 22px;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  color: var(--fg-1);
}
.calc-row__ltv {
  font-size: 11px;
  color: var(--fw-blue);
  font-weight: var(--weight-medium);
  margin-top: 2px;
  letter-spacing: 0.04em;
}

input[type="range"].slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  margin-top: 10px;
  background: var(--neutral-200);
  border-radius: 999px;
  height: 4px;
  accent-color: var(--fw-blue);
}
input[type="range"].slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 999px;
  background: var(--fw-blue);
  border: 4px solid #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.18);
  cursor: pointer;
}
input[type="range"].slider::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 999px;
  background: var(--fw-blue);
  border: 4px solid #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.18);
  cursor: pointer;
}

.calc-output {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.calc-output__label {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--fg-3);
}
.calc-output__value {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 52px;
  letter-spacing: -0.025em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
  margin-top: 8px;
}
.calc-output__value--brand { color: var(--fw-blue); }
.calc-output__unit {
  font-size: 0.45em;
  font-weight: var(--weight-regular);
  letter-spacing: 0;
  color: var(--fg-3);
  margin-left: 4px;
}
.calc-output__sub {
  font-size: 13px;
  color: var(--fg-3);
  margin-top: 8px;
}
.calc-output__cta {
  align-self: flex-start;
  margin-top: auto;
}

/* =============================================================
   FAQ accordion (homepage inline)
   ============================================================= */

.faq-head {
  margin-bottom: 56px;
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 32px;
  flex-wrap: wrap;
}
.faq-head__title-block { max-width: 560px; }
.faq-head__link {
  color: var(--fw-blue);
  font-size: 14px;
  font-weight: var(--weight-medium);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.faq-list {
  border: 1px solid var(--border-1);
  border-radius: 24px;
  overflow: hidden;
  background: #fff;
}
.section__inner--narrow .faq-list { max-width: 960px; margin: 0 auto; }

.faq-item { border-bottom: 1px solid var(--border-1); background: #fff; }
.faq-item:last-child { border-bottom: 0; }

.faq-item__head {
  width: 100%;
  background: transparent;
  border: 0;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  gap: 16px;
  text-align: left;
  color: var(--fg-1);
}

.faq-item__q {
  flex: 1;
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 18px;
  line-height: 1.4;
  letter-spacing: -0.01em;
}

.faq-item__toggle {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  background: var(--neutral-50);
  color: var(--fg-1);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--duration-base) var(--ease-forward),
              color var(--duration-base) var(--ease-forward);
  flex-shrink: 0;
}
.faq-item__toggle-glyph {
  transition: transform var(--duration-base) var(--ease-forward);
  display: flex;
}

.faq-item__panel {
  max-height: 0;
  opacity: 0;
  overflow: hidden;
  transition: max-height 320ms var(--ease-forward),
              opacity var(--duration-base) var(--ease-forward);
}
.faq-item__panel-inner {
  padding: 0 76px 28px 28px;
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--fg-2);
}

.faq-item.is-open .faq-item__toggle {
  background: var(--fw-blue);
  color: #fff;
}
.faq-item.is-open .faq-item__toggle-glyph { transform: rotate(45deg); }
.faq-item.is-open .faq-item__panel {
  max-height: 800px;
  opacity: 1;
}

/* =============================================================
   CTA band
   ============================================================= */

.cta-band {
  padding: 100px 40px;
  background: var(--fw-black);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-band__mark {
  position: absolute;
  right: -80px;
  top: 50%;
  transform: translateY(-50%);
  opacity: 0.06;
  pointer-events: none;
}
.cta-band__mark img { height: 360px; }

.cta-band__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 48px;
  position: relative;
  flex-wrap: wrap;
}
.cta-band__body { max-width: 640px; }
.cta-band__eyebrow {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fw-cyan);
  margin-bottom: 18px;
}
.cta-band__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 52px;
  line-height: 1.05;
  letter-spacing: -0.02em;
}
.cta-band__title-soft {
  font-weight: var(--weight-regular);
  color: rgba(255, 255, 255, 0.55);
}
.cta-band__lede {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.55;
  margin-top: 24px;
  max-width: 520px;
}
.cta-band__actions {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
}

/* =============================================================
   Footer
   ============================================================= */

.site-footer {
  background: var(--fw-black);
  color: #fff;
  padding: 80px 40px 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.site-footer__inner { max-width: 1200px; margin: 0 auto; }

.site-footer__cols {
  display: grid;
  grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 40px;
}

.site-footer__brand img { height: 30px; }
.site-footer__pitch {
  margin-top: 20px;
  font-size: 14px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.65);
  max-width: 280px;
}

.site-footer__col-title {
  font-size: 11px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 18px;
}
.site-footer__col-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.site-footer__col-list a {
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
}
.site-footer__col-list a:hover { color: #fff; }

.site-footer__meta {
  margin-top: 72px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
}
.site-footer__meta-set { display: flex; gap: 24px; flex-wrap: wrap; }

.site-footer__legal {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.42);
  margin-top: 18px;
  max-width: 920px;
  line-height: 1.55;
}

/* =============================================================
   FAQ page (help centre)
   ============================================================= */

.help-banner {
  padding: 80px 40px 60px;
  background: linear-gradient(180deg, #F6F6F4 0%, #FFFFFF 100%);
  border-bottom: 1px solid var(--border-1);
}
.help-banner__inner { max-width: 960px; margin: 0 auto; }
.help-banner__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: clamp(40px, 5.5vw, 64px);
  line-height: 1.05;
  letter-spacing: -0.025em;
}
.help-banner__title-soft {
  font-weight: var(--weight-regular);
  color: var(--neutral-500);
}

.help-search {
  margin-top: 36px;
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--border-1);
  border-radius: 14px;
  padding: 14px 16px;
  max-width: 520px;
  transition: border-color var(--duration-micro) var(--ease-forward);
}
.help-search:focus-within { border-color: var(--fw-blue); }
.help-search__icon { color: var(--fg-3); flex-shrink: 0; }
.help-search input {
  flex: 1;
  border: 0;
  outline: 0;
  background: transparent;
  font-family: inherit;
  font-size: 15px;
  color: var(--fg-1);
}
.help-search__clear {
  background: transparent;
  border: 0;
  color: var(--fg-3);
  font-size: 13px;
  font-family: inherit;
}
.help-search__clear:hover { color: var(--fg-1); }

.help-search-meta {
  margin-top: 14px;
  font-size: 13px;
  color: var(--fg-2);
  min-height: 18px;
}
.help-search-meta strong { font-weight: var(--weight-semibold); color: var(--fg-1); }
.help-search-meta a { color: var(--fw-blue); }

.help-categories {
  padding: 60px 40px 100px;
}
.help-categories__inner {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 40px;
}

.help-category__label {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fw-blue);
  margin-bottom: 16px;
}
.help-category__list {
  border: 1px solid var(--border-1);
  border-radius: 20px;
  overflow: hidden;
  background: #fff;
}

.help-category .faq-item__head { padding: 22px 24px; }
.help-category .faq-item__q { font-size: 17px; letter-spacing: -0.005em; }
.help-category .faq-item__toggle { width: 28px; height: 28px; }
.help-category .faq-item__panel-inner { padding: 0 68px 24px 24px; font-size: 15px; }

.help-contact {
  padding: 60px 40px;
  background: var(--neutral-50);
  border-top: 1px solid var(--border-1);
}
.help-contact__inner {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  gap: 40px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}
.help-contact__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 24px;
  letter-spacing: -0.01em;
}
.help-contact__body {
  font-size: 15px;
  color: var(--fg-2);
  margin-top: 8px;
  max-width: 480px;
  line-height: 1.55;
}

.help-empty {
  padding: 24px 24px;
  border: 1px dashed var(--border-1);
  border-radius: 20px;
  color: var(--fg-2);
  font-size: 14px;
}

/* =============================================================
   Page hero (inner pages: partners, contact, legal)
   ============================================================= */
.page-hero {
  padding: 80px 40px 72px;
  background: var(--neutral-50);
  border-bottom: 1px solid var(--border-1);
}
.page-hero__inner {
  max-width: 1200px;
  margin: 0 auto;
}
.page-hero__eyebrow {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fw-blue);
  margin-bottom: 16px;
}
.page-hero__title {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 52px;
  line-height: 1.06;
  letter-spacing: -0.025em;
  color: var(--fg-1);
  margin-bottom: 20px;
  max-width: 760px;
}
.page-hero__sub {
  font-size: 18px;
  color: var(--fg-2);
  line-height: 1.6;
  max-width: 560px;
  margin-bottom: 36px;
}

/* Contact cards */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.contact-card {
  background: #fff;
  border: 1px solid var(--border-1);
  border-radius: 20px;
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--neutral-50);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fw-blue);
}
.contact-card__label {
  font-size: 12px;
  font-weight: var(--weight-medium);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--fg-2);
}
.contact-card__value {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 18px;
  color: var(--fg-1);
  line-height: 1.3;
}
.contact-card__value a {
  color: var(--fw-blue);
}

/* Legal document prose */
.legal-doc {
  max-width: none;
  margin: 0;
}
.legal-doc h2 {
  font-family: var(--font-display);
  font-weight: var(--weight-semibold);
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--fg-1);
  margin: 48px 0 14px;
  padding-top: 8px;
  border-top: 1px solid var(--border-1);
}
.legal-doc h3 {
  font-weight: var(--weight-semibold);
  font-size: 16px;
  color: var(--fg-1);
  margin: 28px 0 8px;
}
.legal-doc p {
  font-size: 15px;
  color: var(--fg-2);
  line-height: 1.75;
  margin-bottom: 16px;
}
.legal-doc ul, .legal-doc ol {
  padding-left: 22px;
  margin-bottom: 16px;
}
.legal-doc li {
  font-size: 15px;
  color: var(--fg-2);
  line-height: 1.75;
  margin-bottom: 8px;
}
.legal-doc a { color: var(--fw-blue); }
.legal-doc strong { color: var(--fg-1); font-weight: var(--weight-medium); }
.legal-doc .legal-meta {
  font-size: 13px;
  color: var(--fg-2);
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border-1);
}
.legal-doc .legal-notice {
  background: var(--neutral-50);
  border: 1px solid var(--border-1);
  border-radius: 12px;
  padding: 20px 24px;
  font-size: 13px;
  color: var(--fg-2);
  line-height: 1.65;
  margin-bottom: 32px;
}

/* =============================================================
   Responsive
   ============================================================= */

@media (max-width: 1080px) {
  .hero {
    grid-template-columns: 1fr;
    padding-bottom: 80px;
    gap: 80px;
  }
  .hero__cards { height: 560px; max-width: 480px; }
  .credit-card { width: 100%; }
  .interest-card { width: 260px; }
  .tile-grid--5 { grid-template-columns: repeat(2, 1fr); }
  .tile__arrow { display: none; }
  .section__head { grid-template-columns: 1fr; gap: 24px; }
  .site-footer__cols {
    grid-template-columns: 1.4fr 1fr 1fr;
  }
}

@media (max-width: 760px) {
  .site-header__inner { padding: 0 20px; }
  .site-header__nav { display: none; }
  .site-header__actions .site-header__link { display: none; }

  .section { padding: 80px 20px; }
  .hero { padding: 48px 20px 80px; }
  .cta-band, .site-footer, .help-banner, .help-categories, .help-contact { padding-left: 20px; padding-right: 20px; }

  .hero__cards { height: auto; display: flex; flex-direction: column; gap: 24px; }
  .credit-card, .interest-card { position: static; width: 100%; }

  .tile-grid--5, .tile-grid--3 { grid-template-columns: 1fr; }

  .calc-card {
    grid-template-columns: 1fr;
    padding: 28px;
  }
  .calc-card__divider { height: 1px; width: 100%; }

  .section__title, .cta-band__title { font-size: 34px; }
  .calc-output__value { font-size: 40px; }

  .site-footer__cols { grid-template-columns: 1fr 1fr; }

  .faq-item__head { padding: 20px; }
  .faq-item__panel-inner { padding: 0 20px 24px; }
  .help-category .faq-item__head { padding: 18px 20px; }
  .help-category .faq-item__panel-inner { padding: 0 20px 22px; }
}

/* =============================================================
   Rebrand announcement bar — TEMPORARY ("Neoble is now Forward Wealth")
   Spec: docs/superpowers/specs/2026-06-12-rebrand-announcement-bar-design.md
   To retire: delete this block, the .rebrand-bar markup in each *.html,
   the rebrand-bar JS in script.js, and assets/logos/neoble-blue.svg.
   ============================================================= */
.rebrand-bar {
  background: var(--bg-2);
  border-bottom: 1px solid var(--border-1);
  max-height: 120px;
  opacity: 1;
  overflow: hidden;
  animation: rebrand-bar-in var(--duration-base) var(--ease-forward);
  transition: max-height var(--duration-base) var(--ease-forward),
              opacity var(--duration-base) var(--ease-forward);
}
.rebrand-bar--closing { max-height: 0; opacity: 0; }
.rebrand-bar--dismissed { display: none; }

@keyframes rebrand-bar-in {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}

.rebrand-bar__inner {
  position: relative;
  max-width: var(--container-xl);
  margin: 0 auto;
  padding: 10px var(--space-6);
  display: flex;
  align-items: center;
  justify-content: center;
}
.rebrand-bar__msg {
  margin: 0;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  line-height: var(--lh-normal);
  color: var(--fg-2);
}
.rebrand-bar__lockup {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}
.rebrand-bar__logo { display: block; height: 18px; width: auto; }
.rebrand-bar__logo--from { height: 24px; }    /* old mark */
.rebrand-bar__logo--forward { height: 24px; } /* new mark */
.rebrand-bar__arrow { flex: none; width: 18px; height: 18px; color: var(--fg-3); }
.rebrand-bar__sep { color: var(--fg-3); }
.rebrand-bar__text strong { color: var(--fg-1); font-weight: var(--weight-semibold); }
.rebrand-bar__link {
  color: var(--fg-link);
  font-weight: var(--weight-medium);
  text-decoration: none;
  white-space: nowrap;
}
.rebrand-bar__link:hover { text-decoration: underline; }
.rebrand-bar__close {
  position: absolute;
  right: var(--space-3);
  top: 50%;
  transform: translateY(-50%);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  padding: 0;
  background: none;
  border: 0;
  border-radius: var(--radius-sm);
  color: var(--fg-3);
  cursor: pointer;
  transition: color var(--duration-micro) var(--ease-forward);
}
.rebrand-bar__close:hover { color: var(--fg-1); }
.rebrand-bar__close svg { width: 18px; height: 18px; }
/* TEMP: dismiss button hidden for now. Delete the line below to restore it. */
.rebrand-bar__close { display: none; }

@media (max-width: 639px) {
  .rebrand-bar__lockup,
  .rebrand-bar__sep { display: none; }
  .rebrand-bar__inner { justify-content: flex-start; padding-right: 48px; }
  .rebrand-bar__msg { justify-content: flex-start; text-align: left; }
}

@media (prefers-reduced-motion: reduce) {
  .rebrand-bar { animation: none; transition: none; }
}