/* the site — design system.
   A flat-URL cost directory: sticky masthead, deep petrol-teal hero + search, masonry link
   grids, a machine-readable cost table, prose guide, FAQ accordion, hub link lists, an amber
   affiliate CTA and a deep-petrol footer.

   Identity: a self-hosted display face (theme.css picks it per domain) + Manrope (UI/body) +
   JetBrains Mono (every figure), all self-hosted via fonts.css. Palette: ONE deep petrol-teal
   brand hue, ONE warm amber accent reserved for money actions, and a cool neutral ramp.
   The retired rainbow (green + magenta + violet from the domain hash) is gone; theme.css now
   emits the curated palette from lib/config.mjs.

   Every value traces to a :root token. The 17 category accents re-point --accent (and its
   strong/soft steps) from the [data-category] attribute the templates put on <html>.
   Contrast: body/link/accent-on-white >= 4.5:1 by construction. */

:root{
  /* type */
  --font-display:"Space Grotesk","Manrope",system-ui,sans-serif;
  --font-sans:"Manrope",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --font-num:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;

  /* cool neutral ramp */
  --ink-50:#F7F9F9;
  --ink-100:#EEF2F2;
  --ink-200:#DEE5E4;
  --ink-300:#C6D0CF;
  --ink-400:#93A3A1;
  --ink-500:#63736F;
  --ink-550:#5A6965;
  --ink-600:#47534F;
  --ink-650:#3F4B47;
  --ink-700:#333D3A;
  --ink-800:#222B29;
  --ink-900:#141C1A;
  --ink-950:#0B1211;

  /* brand — one petrol-teal family */
  --primary:hsl(197 62% 24%);
  --primary-dark:hsl(197 68% 15%);
  --primary-light:hsl(197 48% 42%);
  --primary-soft:hsl(197 40% 95%);
  --secondary:hsl(205 20% 42%);

  /* accent — links, focus, category tints (re-pointed per category) */
  --accent:hsl(191 58% 32%);
  --accent-strong:hsl(191 62% 24%);
  --accent-soft:hsl(191 45% 95%);

  /* money action — the ONLY warm hue, used for CTAs alone */
  --cta:hsl(28 85% 33%);
  --cta-hover:hsl(28 85% 26%);
  --cta-soft:hsl(30 100% 96%);
  --cta-border:hsl(30 70% 88%);
  --cta-ink:hsl(28 70% 26%);
  --cta-light:hsl(32 92% 62%);

  /* text + surfaces */
  --text:var(--ink-900);
  --text-light:var(--ink-650);
  --text-muted:var(--ink-550);
  --bg:#FFFFFF;
  --surface:var(--ink-50);
  --surface-2:var(--ink-100);
  --surface-hover:var(--ink-100);
  --border:#DCE5E3;
  --border-strong:var(--ink-300);

  /* dark panels (footer, range) */
  --dark:hsl(197 65% 12%);
  --dark-2:hsl(197 60% 16%);
  --dark-text:#C6D4D3;
  --dark-muted:#93A6A4;
  --white:#FFFFFF;
  --hero-a:hsl(197 60% 20%);
  --hero-b:hsl(200 66% 11%);
  --range-a:hsl(197 62% 18%);
  --range-b:hsl(200 68% 10%);

  --success:#15603F;
  --warn:#7A4A00;
  --danger:#A32017;
  --danger-soft:#FBE9E7;
  --danger-border:#F0C4BE;

  /* shape + depth */
  --radius:14px;
  --radius-sm:10px;
  --radius-xs:7px;
  --radius-lg:18px;
  --radius-pill:999px;
  --shadow-xs:0 1px 2px rgba(11,18,17,.05);
  --shadow-sm:0 2px 6px rgba(11,18,17,.06);
  --shadow-md:0 16px 34px -16px rgba(11,18,17,.24);
  --shadow-lg:0 34px 64px -28px rgba(11,18,17,.34);

  /* motion */
  --ease:cubic-bezier(.2,.7,.3,1);
  --dur:.18s;
  --transition:background-color .18s var(--ease),border-color .18s var(--ease),
    color .18s var(--ease),transform .18s var(--ease),box-shadow .18s var(--ease);

  /* fluid type scale */
  --step--1:clamp(.8rem,.77rem + .16vw,.86rem);
  --step-0:clamp(.95rem,.92rem + .15vw,1rem);
  --step-1:clamp(1.06rem,1.02rem + .2vw,1.16rem);
  --step-2:clamp(1.25rem,1.15rem + .5vw,1.5rem);
  --step-3:clamp(1.5rem,1.3rem + .9vw,2rem);
  --step-4:clamp(1.85rem,1.5rem + 1.7vw,2.6rem);
  --step-5:clamp(2.15rem,1.6rem + 2.9vw,3.35rem);

  /* layout */
  --container:1200px;
  --reading:840px;
  --gutter:20px;
  --measure:74ch;
  --section-pad:64px;
  --header-h:68px;
}

/* ---------------------------------------------------------------- reset + base */
*,*::before,*::after{box-sizing:border-box}
html{
  -webkit-text-size-adjust:100%;
  text-size-adjust:100%;
  scroll-behavior:smooth;
  scroll-padding-top:calc(var(--header-h) + 18px);
}
body{
  margin:0;
  min-height:100vh;
  min-height:100dvh;
  display:flex;
  flex-direction:column;
  background:var(--bg);
  color:var(--text);
  font-family:var(--font-sans);
  font-size:var(--step-0);
  line-height:1.62;
  font-variant-ligatures:none;
  font-feature-settings:"liga" 0,"clig" 0;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
main{flex:1 0 auto;width:100%}
img,svg,picture{max-width:100%}
img{height:auto}
a{color:var(--accent);text-decoration:none;text-underline-offset:.18em;transition:var(--transition)}
a:hover{color:var(--accent-strong);text-decoration:underline}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}
::selection{background:var(--accent);color:var(--white)}
hr{border:0;border-top:1px solid var(--border);margin:30px 0}

/* ---------------------------------------------------------------- typography */
h1,h2,h3,h4,h5,h6{
  font-family:var(--font-display);
  font-weight:700;
  line-height:1.12;
  letter-spacing:-.02em;
  color:var(--ink-900);
  margin:0 0 .5em;
  text-wrap:balance;
}
h1{
  font-size:var(--step-5);
  line-height:1.04;
  letter-spacing:-.032em;
  color:var(--primary-dark);
  margin:14px 0 18px;
}
h2{font-size:clamp(1.62rem,1.36rem + 1.05vw,2.2rem);color:var(--primary);margin:42px 0 14px}
h3{
  font-family:var(--font-sans);
  font-size:clamp(1.08rem,1.02rem + .34vw,1.3rem);
  line-height:1.3;
  letter-spacing:-.005em;
  color:var(--ink-700);
  margin:26px 0 8px;
}
h4{font-family:var(--font-sans);font-size:var(--step-1);color:var(--ink-800);margin:22px 0 6px}
h2:first-child,h3:first-child,h4:first-child{margin-top:0}
p{margin:0 0 1em}
strong{font-weight:700}
em{font-style:italic}
ul,ol{padding-left:1.25em}
li{margin:0 0 .38em}
abbr[title]{text-decoration:underline dotted}

/* ---------------------------------------------------------------- utilities */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
main > .container{padding-top:clamp(22px,4vw,34px)}
main > .container:has(.prose){max-width:var(--reading)}
main > .container:has(.lede):not(:has(.niche-grid)){max-width:var(--reading)}

.skip{
  position:fixed;left:14px;top:14px;z-index:200;
  transform:translateY(-240%);
  background:var(--primary);color:var(--white);
  padding:12px 18px;border-radius:var(--radius-sm);font-weight:700;
}
.skip:focus{transform:none;color:var(--white);text-decoration:none}

.eyebrow{
  font-size:.72rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--accent);margin:0 0 10px;
}
.lede{
  font-size:var(--step-1);line-height:1.6;color:var(--ink-600);
  max-width:var(--measure);margin:0 0 1em;
}
.answer{
  font-size:var(--step-1);line-height:1.6;color:var(--ink-700);
  max-width:var(--measure);margin:0 0 1em;
}
.small{font-size:var(--step--1);color:var(--text-light)}
.updated{
  display:flex;align-items:center;gap:.45em;
  font-size:var(--step--1);color:var(--text-muted);margin:0 0 18px;
}
.updated time{font-family:var(--font-num);color:var(--text-light)}
.disclaimer{
  max-width:var(--measure);margin:34px 0 0;
  font-size:var(--step--1);line-height:1.6;color:var(--text-muted);
}


/* ---------------------------------------------------------------- masthead */
.site-header{
  position:sticky;top:0;z-index:100;background:var(--white);
  border-bottom:1px solid var(--border);
}
.site-header::before{
  content:"";display:block;height:3px;
  background:linear-gradient(90deg,var(--primary),var(--accent) 58%,var(--cta));
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:var(--header-h)}
.logo{display:inline-flex;align-items:center;min-height:44px;border-radius:var(--radius-xs)}
.logo-pic{display:block;line-height:0}
.logo-pic img{display:block;width:162px;height:36px}

/* CSS-only hamburger; the "Menu" label stays in the DOM for screen readers */
.nav-toggle{
  position:relative;width:46px;height:44px;padding:0;
  background:var(--white);border:1px solid var(--border-strong);border-radius:var(--radius-sm);
  cursor:pointer;font-size:0;line-height:0;color:transparent;
  -webkit-tap-highlight-color:transparent;transition:var(--transition);
}
.nav-toggle::before,.nav-toggle::after{
  content:"";position:absolute;left:13px;right:13px;top:50%;height:2px;border-radius:2px;
  background:var(--primary);
  transition:transform var(--dur) var(--ease),box-shadow var(--dur) var(--ease),
    background-color var(--dur) var(--ease);
}
.nav-toggle::before{transform:translateY(-50%);box-shadow:0 -6px 0 var(--primary),0 6px 0 var(--primary)}
.nav-toggle::after{transform:translateY(-50%) scaleX(0)}
.nav-toggle:hover{border-color:var(--primary)}
.nav-toggle[aria-expanded="true"]{background:var(--primary);border-color:var(--primary)}
.nav-toggle[aria-expanded="true"]::before{background:var(--white);box-shadow:none;transform:translateY(-50%) rotate(45deg)}
.nav-toggle[aria-expanded="true"]::after{background:var(--white);transform:translateY(-50%) rotate(-45deg) scaleX(1)}

.site-header nav{position:absolute;left:0;right:0;top:100%}
.nav-menu{
  display:none;flex-direction:column;margin:0;padding:8px var(--gutter) 14px;list-style:none;
  background:var(--white);border-bottom:1px solid var(--border);box-shadow:var(--shadow-md);
}
.nav-menu[data-open="1"]{display:flex}
.nav-menu li{margin:0}
.nav-menu a{
  display:flex;align-items:center;min-height:46px;padding:10px 12px;border-radius:var(--radius-sm);
  color:var(--ink-800);font-weight:600;font-size:var(--step-0);transition:var(--transition);
}
.nav-menu a:hover{background:var(--primary-soft);color:var(--primary);text-decoration:none}

/* ---------------------------------------------------------------- hero + search */
.home-hero{
  position:relative;overflow:hidden;color:var(--white);
  padding:clamp(46px,7vw,88px) 0 clamp(42px,6vw,74px);
  background-color:var(--hero-b);
  background-image:linear-gradient(168deg,var(--hero-a),var(--hero-b));
  background-image:
    radial-gradient(125% 115% at 86% -22%,color-mix(in oklab,var(--primary-light),transparent 52%) 0%,transparent 62%),
    linear-gradient(168deg,var(--hero-a) 0%,color-mix(in oklab,var(--hero-a),var(--hero-b) 52%) 46%,var(--hero-b) 100%);
}
.home-hero::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:3px;
  background:linear-gradient(90deg,var(--accent),var(--cta));
}
.home-hero h1{color:var(--white);max-width:16ch;margin-top:0}
.hero-sub{
  font-size:var(--step-1);line-height:1.6;
  color:color-mix(in oklab,var(--white) 84%,var(--primary-light));
  max-width:56ch;margin:16px 0 0;
}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

.search-box{position:relative;display:flex;flex-wrap:wrap;gap:10px;max-width:660px;margin:28px 0 0}
.search-box input{
  flex:1 1 260px;min-width:0;min-height:52px;padding:13px 18px;
  font:inherit;font-size:1rem;color:var(--ink-900);background:var(--white);
  border:2px solid transparent;border-radius:var(--radius);
  box-shadow:0 20px 44px -20px rgba(0,0,0,.55);
}
.search-box input::placeholder{color:var(--ink-400)}
.search-box input:focus-visible{outline:3px solid color-mix(in oklab,var(--cta),var(--white) 34%);outline-offset:2px;border-color:var(--cta)}
.search-box .btn-primary{flex:0 0 auto}
.search-results{
  display:none;position:absolute;top:calc(100% + 8px);left:0;right:0;z-index:60;
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);overflow:hidden;
}
.search-results[data-open="1"]{display:block}
.search-results a{
  display:flex;align-items:center;min-height:48px;padding:10px 18px;
  border-bottom:1px solid var(--border);color:var(--ink-800);font-weight:600;font-size:.95rem;
}
.search-results a:last-child{border-bottom:0}
.search-results a:hover{background:var(--surface);color:var(--primary);text-decoration:none}

/* ---------------------------------------------------------------- buttons */
.btn-primary,.btn-secondary,.cta__btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font:inherit;font-weight:700;font-size:.95rem;line-height:1;white-space:nowrap;max-width:100%;
  border-radius:11px;cursor:pointer;transition:var(--transition);
}
.btn-primary{
  min-height:50px;padding:0 24px;background:var(--primary);color:var(--white);
  border:1px solid transparent;box-shadow:var(--shadow-sm);
}
.btn-primary:hover{background:var(--primary-dark);color:var(--white);text-decoration:none;box-shadow:var(--shadow-md);transform:translateY(-1px)}
.btn-primary:active{transform:translateY(0)}
.btn-secondary{min-height:46px;padding:0 20px;background:var(--white);color:var(--primary);border:1px solid var(--border-strong)}
.btn-secondary:hover{border-color:var(--primary);color:var(--primary);text-decoration:none}
.btn-primary:disabled,.btn-secondary:disabled,.cta__btn:disabled{opacity:.55;cursor:not-allowed;transform:none}
/* the hero's primary action is a money action: warm amber, used sparingly */
.home-hero .btn-primary{background:var(--cta);border-color:var(--cta);box-shadow:0 18px 40px -18px rgba(0,0,0,.5)}
.home-hero .btn-primary:hover{background:var(--cta-hover);border-color:var(--cta-hover)}


/* ---------------------------------------------------------------- breadcrumbs */
.crumbs{margin:0 0 20px;font-size:var(--step--1);color:var(--text-muted)}
.crumbs ol{display:flex;flex-wrap:wrap;align-items:center;gap:2px;margin:0;padding:0;list-style:none}
.crumbs li{display:inline-flex;align-items:center;margin:0}
.crumbs li + li::before{content:"›";margin:0 .5em;color:var(--ink-300);font-weight:700}
.crumbs a{color:var(--text-light)}
.crumbs a:hover{color:var(--primary)}
.crumbs [aria-current="page"]{color:var(--ink-800);font-weight:600}

/* ---------------------------------------------------------------- link grids */
/* Responsive CSS grid. Cards flow left-to-right and rows stretch, so the last row is
   always flush-left with no ragged masonry bottom or orphan interior holes. The :has()
   rules below pick a column count that divides each list evenly (6-item list -> 3 across,
   8- and 4-item lists -> 4 across) so no trailing cells are left empty. */
.niche-grid{display:grid;grid-template-columns:1fr;gap:18px;margin:26px 0 0;list-style:none;padding-left:0;align-items:stretch}
.niche-grid > li{margin:0;display:flex;min-width:0;list-style:none}
.niche-card{
  display:flex;flex-direction:column;width:100%;height:100%;margin:0;position:relative;
  background:var(--white);border:1px solid var(--border);border-left:3px solid var(--accent);
  border-radius:var(--radius);padding:18px 20px 20px;
  box-shadow:var(--shadow-xs);transition:var(--transition);
}
.niche-card:hover{border-color:var(--border-strong);border-left-color:var(--primary);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.niche-card h3{margin:0 0 6px;font-size:var(--step-1);line-height:1.3}
.niche-card h3 a{color:var(--ink-900)}
.niche-card h3 a:hover{color:var(--primary);text-decoration:none}
.niche-card p{margin:0;font-size:.92rem;color:var(--text-light)}
.niche-card .small{margin-top:auto;padding-top:10px;display:block;color:var(--text-muted)}

/* stat bar: ALWAYS one row of three, never a 2+1 wrap */
.stat-bar{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));
  gap:1px;margin:26px 0 4px;padding:0;list-style:none;
  background:var(--border);border:1px solid var(--border);
  border-radius:var(--radius);overflow:hidden;
}
.stat-bar > *{
  background:var(--white);padding:18px 16px;text-align:center;min-width:0;
}
.stat-bar b,.stat-bar strong,.stat-bar .num{
  display:block;font-family:var(--font-num);font-size:var(--step-2);
  line-height:1.1;color:var(--primary);letter-spacing:-.02em;
}
.stat-bar span,.stat-bar .label,.stat-bar small{display:block;margin-top:4px;font-size:.74rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--text-muted)}

/* ---------------------------------------------------------------- notes / lists */
.local-note,.notlender{
  border-left:3px solid var(--accent);background:var(--accent-soft);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:14px 18px;margin:22px 0;font-size:.93rem;color:var(--ink-700);
}
.local-note p:last-child,.notlender p:last-child{margin-bottom:0}
.cta .notlender,.cta .local-note{background:rgba(255,255,255,.94);color:var(--ink-700);border-left-color:var(--cta-light)}
.hub-links{margin:34px 0 8px}
.hub-links h2{margin-bottom:6px}
.link-list{
  list-style:none;margin:14px 0 0;padding:0;
  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 20px;
}
.link-list li{margin:0}
.link-list a{display:inline-flex;align-items:center;gap:6px;color:var(--ink-700);font-weight:600;font-size:.93rem}
.link-list a::before{content:"→";color:var(--accent);font-weight:700}
.link-list a:hover{color:var(--primary);text-decoration:none}
.link-list a:hover::before{color:var(--primary)}
.feature-list{margin:16px 0}
.feature-list ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.feature-list li{position:relative;margin:0;padding-left:30px;color:var(--ink-700)}
.feature-list li::before{
  content:"";position:absolute;left:0;top:.42em;width:19px;height:19px;border-radius:50%;
  background:var(--accent-soft);border:1px solid var(--accent);
}
.feature-list li::after{content:"";position:absolute;left:6px;top:.72em;width:6px;height:10px;border:solid var(--accent-strong);border-width:0 2px 2px 0;transform:rotate(45deg)}


/* ---------------------------------------------------------------- cost table */
.table-wrap{margin:24px 0;overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-xs);-webkit-overflow-scrolling:touch}
.cost-table{width:100%;border-collapse:collapse;font-size:.94rem;background:var(--white)}
.cost-table caption{caption-side:top;text-align:left;padding:14px 18px;font-weight:700;color:var(--primary);font-size:var(--step-0);border-bottom:1px solid var(--border);background:var(--surface)}
.cost-table th,.cost-table td{padding:12px 18px;text-align:left;border-bottom:1px solid var(--border);vertical-align:top}
.cost-table thead th{
  font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--white);background:var(--primary);white-space:nowrap;
}
.cost-table tbody tr:nth-child(even) td{background:var(--surface)}
.cost-table tbody tr:hover td{background:var(--primary-soft)}
.cost-table td:not(:first-child),.cost-table th:not(:first-child){font-family:var(--font-num);font-variant-numeric:tabular-nums;white-space:nowrap}
.cost-table tbody tr:last-child td{border-bottom:0}

/* ---------------------------------------------------------------- prose */
.prose{font-size:var(--step-0);color:var(--ink-700)}
.prose > :first-child{margin-top:0}
.prose p,.prose ul,.prose ol{max-width:var(--measure)}
.prose a{font-weight:600}
.prose h2{margin-top:40px}
.prose h3{margin-top:26px}
.prose blockquote{
  margin:22px 0;padding:4px 0 4px 20px;border-left:3px solid var(--accent);
  color:var(--ink-600);font-style:italic;max-width:var(--measure);
}
.prose blockquote p:last-child{margin-bottom:0}
.prose code{
  font-family:var(--font-num);font-size:.9em;background:var(--surface-2);
  padding:.12em .4em;border-radius:5px;color:var(--primary-dark);
}
.prose-sub{margin:6px 0 0;font-size:var(--step-1);color:var(--text-light);max-width:var(--measure)}

/* ---------------------------------------------------------------- FAQ */
.faq{margin:26px 0 8px;border-top:1px solid var(--border)}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item summary,.faq summary{
  position:relative;list-style:none;cursor:pointer;
  display:flex;align-items:flex-start;gap:16px;
  padding:17px 40px 17px 0;font-weight:700;font-size:var(--step-1);
  color:var(--ink-800);transition:var(--transition);
}
.faq-item summary::-webkit-details-marker,.faq summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"";position:absolute;right:8px;top:26px;width:11px;height:11px;
  border-right:2px solid var(--accent);border-bottom:2px solid var(--accent);
  transform:rotate(45deg);transform-origin:center;
  transition:transform var(--dur) var(--ease);
}
.faq-item[open] summary{color:var(--primary)}
.faq-item[open] summary::after{transform:rotate(-135deg)}
.faq-item summary:hover{color:var(--primary)}
.faq-item > p,.faq-item .answer,.faq-item .a{padding:0 0 18px;margin:0;color:var(--text-light);max-width:var(--measure)}

/* ---------------------------------------------------------------- affiliate CTA */
/* Two variants share one vocabulary:
   .cta--band — full-width --cta band for hero/hub slots (centered, white button).
   .cta--card — light in-content card for money/product slots (gradient surface, border,
                --cta button with a soft lift).
   Both keep .cta__label (eyebrow), .cta__btn, .cta__req and .notlender readable. */
.cta{
  position:relative;overflow:hidden;
  margin:clamp(30px,4.5vw,44px) 0;
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
}
.cta__label{
  font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  margin:0 0 10px;
}
.cta__blurb{margin:0 0 4px;max-width:56ch;font-size:var(--step-0)}
.cta__btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:52px;padding:16px 34px;margin:20px 0 2px;
  border:1px solid transparent;border-radius:var(--radius);
  font-weight:700;font-size:var(--step-0);line-height:1.2;
  cursor:pointer;transition:var(--transition);
}
.cta__btn:hover,.cta__btn:focus,.cta__btn:active{text-decoration:none}
.cta--band .cta__req,.cta--card .cta__req{
  display:block;margin:16px 0 0;font-size:var(--step--1);font-weight:700;line-height:1.5;
}
/* The global .notlender is a light callout box; inside a CTA the disclosure reads as plain
   small print, so reset the box for both variants. This (0,2,0) rule is placed after
   `.cta .notlender` so it wins by source order. */
.cta--band .notlender,.cta--card .notlender{
  background:none;border:0;border-radius:0;padding:0;margin:10px 0 0;
  font-size:var(--step--1);line-height:1.55;max-width:60ch;
}

/* ---- band: solid --cta, centered, white button */
.cta--band{
  padding:clamp(30px,4.4vw,52px) clamp(22px,3.6vw,46px);
  background:var(--cta);color:var(--white);text-align:center;
}
.cta--band::before{
  content:"";position:absolute;left:0;right:0;top:0;height:4px;
  background:linear-gradient(90deg,transparent,var(--cta-light),transparent);
}
.cta--band .cta__label{color:color-mix(in oklab,var(--white),transparent 12%)}
.cta--band h2,.cta--band h3{color:var(--white);margin:0 0 10px;font-size:var(--step-3);line-height:1.18}
.cta--band .cta__blurb{color:color-mix(in oklab,var(--white),transparent 10%);margin:0 auto 4px}
.cta--band .cta__req{color:var(--white);max-width:56ch;margin-left:auto;margin-right:auto}
.cta--band .notlender{color:color-mix(in oklab,var(--white),transparent 22%);margin-left:auto;margin-right:auto}
.cta--band .cta__btn{background:var(--white);color:var(--cta-hover);box-shadow:var(--shadow-md)}
.cta--band .cta__btn:hover,.cta--band .cta__btn:focus{
  background:var(--surface);color:var(--cta-hover);transform:translateY(-2px);box-shadow:var(--shadow-lg);
}

/* ---- card: light gradient surface, bordered, --cta button with a soft lift */
.cta--card{
  padding:clamp(24px,3.4vw,36px);
  background:linear-gradient(180deg,var(--white) 0%,var(--surface) 100%);
  border:1px solid var(--border);color:var(--text);
}
.cta--card .cta__label{color:var(--cta-ink)}
.cta--card h2,.cta--card h3{color:var(--ink-900);margin:0 0 8px;font-size:var(--step-2)}
.cta--card .cta__blurb{color:var(--text-light)}
.cta--card .cta__req{color:var(--text)}
.cta--card .notlender{color:var(--text-muted)}
.cta--card .cta__btn{
  background:var(--cta);color:var(--white);
  box-shadow:0 12px 26px -14px color-mix(in oklab,var(--cta),transparent 25%);
}
.cta--card .cta__btn:hover,.cta--card .cta__btn:focus{
  background:var(--cta-hover);color:var(--white);transform:translateY(-2px);
  box-shadow:0 18px 34px -14px color-mix(in oklab,var(--cta),transparent 15%);
}
.affiliate-note{font-size:var(--step--1);line-height:1.55;color:var(--text-muted);max-width:var(--measure)}
.affiliate-note a{font-weight:600}


/* ---------------------------------------------------------------- product shelf */
.shelf-list{list-style:none;margin:26px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.shelf{display:flex}
.shelf-item{
  display:flex;flex-direction:column;width:100%;
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow-xs);transition:var(--transition);
}
.shelf-item:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.shelf-img{display:block;background:var(--surface);border-bottom:1px solid var(--border);padding:14px}
.shelf-img img{display:block;width:100%;height:auto;max-height:220px;object-fit:contain;margin-inline:auto}
.shelf-body{flex:1 1 auto;padding:18px 18px 16px}
.shelf-title{margin:0 0 6px;font-size:var(--step-1);line-height:1.3;color:var(--ink-900)}
.shelf-body p{margin:0 0 .6em;font-size:.92rem;color:var(--text-light)}
.shelf-body p:last-child{margin-bottom:0}
.shelf-cta{margin:0;padding:14px 18px 18px;border-top:1px solid var(--border)}
.shelf-cta .btn-primary,.shelf-cta .btn-secondary{width:100%}

/* ---------------------------------------------------------------- guide + breakdown */
.guide{margin:34px 0 8px}
.guide h2{margin-top:0}
.breakdown{margin:24px 0;padding:22px 24px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius)}
.breakdown h2,.breakdown h3{margin-top:0}
.breakdown ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.breakdown li{margin:0;display:flex;justify-content:space-between;gap:16px;padding-bottom:10px;border-bottom:1px dashed var(--border-strong)}
.breakdown li:last-child{border-bottom:0;padding-bottom:0}
.breakdown b,.breakdown strong,.breakdown .num{font-family:var(--font-num);font-variant-numeric:tabular-nums;color:var(--primary);white-space:nowrap}

/* ---------------------------------------------------------------- search CTA band */
.search-cta{margin:42px 0;padding:clamp(26px,4vw,40px);text-align:center;background:var(--primary-soft);border:1px solid var(--border);border-radius:var(--radius-lg)}
.search-cta h2{margin:0 0 8px;color:var(--primary-dark);font-size:var(--step-3)}
.search-cta p{margin:0 auto 20px;max-width:52ch;color:var(--ink-600)}
.search-cta .btn-primary{background:var(--cta);border-color:var(--cta)}
.search-cta .btn-primary:hover{background:var(--cta-hover);border-color:var(--cta-hover)}

/* ---------------------------------------------------------------- footer */
.site-footer{margin-top:64px;background:var(--dark);color:var(--dark-text);font-size:.93rem}
.footer-grid{
  display:grid;grid-template-columns:1fr;gap:28px 36px;
  padding:clamp(34px,5vw,52px) 0 30px;
}
.footer-brand{margin:0 0 10px;max-width:38ch}
.footer-brand img{height:32px;width:auto;display:block}
.footer-col{margin:0 0 12px;font-family:var(--font-sans);font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--white)}
.footer-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.footer-grid ul li{margin:0}
.footer-grid ul a{color:var(--dark-text)}
.footer-grid ul a:hover{color:var(--white);text-decoration:underline}
.site-footer .small{color:var(--dark-muted)}
.footer-note{
  padding:18px 0 30px;border-top:1px solid color-mix(in oklab,var(--white),transparent 86%);
  font-size:var(--step--1);line-height:1.6;color:var(--dark-muted);
}
.footer-note p{margin:0 0 .6em}
.footer-note p:last-child{margin-bottom:0}
.footer-note a{color:var(--dark-text)}

/* ---------------------------------------------------------------- responsive */
@media (min-width:560px){
  :root{--gutter:24px}
  .niche-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .link-list{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (min-width:900px){
  :root{--gutter:28px}
  .niche-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .niche-grid:has(> li:nth-child(4):last-child),
  .niche-grid:has(> li:nth-child(8):last-child){grid-template-columns:repeat(4,minmax(0,1fr))}
  .shelf-list{grid-template-columns:repeat(3,minmax(0,1fr))}
  .link-list{grid-template-columns:repeat(3,minmax(0,1fr))}
  .footer-grid{grid-template-columns:1.8fr 1fr 1fr 1fr}
}
@media (min-width:1024px){
  .nav-toggle{display:none}
  .site-header nav{position:static}
  .nav-menu{display:flex;flex-direction:row;gap:4px;padding:0;background:none;border:0;box-shadow:none}
  .nav-menu a{min-height:auto;padding:9px 13px;border-radius:var(--radius-pill);color:var(--ink-700);font-size:.92rem}
  .nav-menu a:hover{background:var(--primary-soft)}
}
@media (min-width:1180px){
  .niche-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
  .niche-grid:has(> li:nth-child(3):last-child),
  .niche-grid:has(> li:nth-child(6):last-child),
  .niche-grid:has(> li:nth-child(9):last-child),
  .niche-grid:has(> li:nth-child(15):last-child),
  .niche-grid:has(> li:nth-child(18):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (max-width:559.98px){
  .stat-bar > *{padding:14px 6px}
  .stat-bar b,.stat-bar strong,.stat-bar .num{font-size:var(--step-1)}
  .stat-bar span,.stat-bar .label,.stat-bar small{
    font-size:.6rem;letter-spacing:0;line-height:1.25;min-height:2.4em;
  }
  .footer-grid{grid-template-columns:1fr}
  .shelf-list{grid-template-columns:1fr}
  .cost-table th,.cost-table td{padding:10px 13px}
  .search-cta .btn-primary,.cta__btn,.shelf-cta .btn-primary,.shelf-cta .btn-secondary{white-space:normal;text-align:center;line-height:1.25;padding:13px 18px}
  .cta .cta__btn{width:100%;max-width:440px;margin-inline:auto}
}
@media (max-width:899.98px){
  .shelf-list{grid-template-columns:repeat(2,minmax(0,1fr))}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
  .niche-card:hover,.shelf-item:hover,.btn-primary:hover,.cta__btn:hover{transform:none}
}
@media print{
  .site-header,.site-footer,.cta,.search-box,.nav-toggle,.skip,.search-cta{display:none !important}
  body{font-size:11pt;color:#000;background:#fff}
  a{color:#000;text-decoration:underline}
  .niche-card,.shelf-item,.table-wrap,.faq-item{break-inside:avoid;box-shadow:none}
  main > .container{padding-top:0}
}