:root {
  color-scheme: light;
  --ink: #17211d;
  --ink-soft: #415049;
  --paper: #ffffff;
  --paper-alt: #f4f7f5;
  --line: #cbd5cf;
  --line-strong: #8fa097;
  --green: #0d6b4f;
  --green-dark: #074b37;
  --green-soft: #e5f4ed;
  --blue: #2359a6;
  --blue-soft: #eaf1fb;
  --yellow: #f2bf4a;
  --yellow-soft: #fff5d8;
  --coral: #c94f44;
  --coral-soft: #fff0ed;
  --max: 1180px;
  --reading: 760px;
  --radius: 6px;
  --shadow: 0 12px 36px rgba(23, 33, 29, 0.09);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 6rem;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 1rem;
  line-height: 1.65;
  letter-spacing: 0;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: var(--green-dark);
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.16em;
}

a:hover {
  color: var(--blue);
}

button,
input,
select {
  font: inherit;
  letter-spacing: 0;
}

button,
.button {
  align-items: center;
  background: var(--green);
  border: 1px solid var(--green);
  border-radius: 4px;
  color: #fff;
  cursor: pointer;
  display: inline-flex;
  font-weight: 750;
  gap: 0.5rem;
  justify-content: center;
  min-height: 46px;
  padding: 0.66rem 1rem;
  text-decoration: none;
}

button:hover,
.button:hover {
  background: var(--green-dark);
  color: #fff;
}

.button-secondary {
  background: #fff;
  border-color: var(--ink);
  color: var(--ink);
}

.button-secondary:hover {
  background: var(--paper-alt);
  color: var(--ink);
}

:focus-visible {
  outline: 3px solid var(--yellow);
  outline-offset: 3px;
}

.skip-link {
  background: var(--ink);
  color: #fff;
  left: 0.75rem;
  padding: 0.6rem 0.85rem;
  position: fixed;
  top: -5rem;
  z-index: 1000;
}

.skip-link:focus {
  top: 0.75rem;
}

.site-header {
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  align-items: center;
  display: flex;
  gap: 1.5rem;
  justify-content: space-between;
  margin: 0 auto;
  max-width: var(--max);
  min-height: 70px;
  padding: 0 1.25rem;
  width: 100%;
}

.wordmark {
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.24rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.wordmark span {
  color: var(--green);
}

.site-nav {
  align-items: center;
  display: flex;
  gap: 0.2rem;
}

.site-nav a {
  border-bottom: 3px solid transparent;
  color: var(--ink-soft);
  font-size: 0.91rem;
  font-weight: 700;
  padding: 1.35rem 0.7rem 1.15rem;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  border-bottom-color: var(--green);
  color: var(--ink);
}

.nav-toggle {
  background: transparent;
  border-color: var(--line-strong);
  color: var(--ink);
  display: none;
  min-height: 42px;
  min-width: 42px;
  padding: 0.45rem;
}

.nav-toggle:hover {
  background: var(--paper-alt);
  color: var(--ink);
}

.nav-toggle-lines,
.nav-toggle-lines::before,
.nav-toggle-lines::after {
  background: currentColor;
  content: "";
  display: block;
  height: 2px;
  width: 20px;
}

.nav-toggle-lines {
  position: relative;
}

.nav-toggle-lines::before {
  left: 0;
  position: absolute;
  top: -6px;
}

.nav-toggle-lines::after {
  left: 0;
  position: absolute;
  top: 6px;
}

.home-hero {
  background-color: #f7f6f2;
  background-image: url("/assets/images/credit-account-flow-hero.jpg");
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  border-bottom: 1px solid var(--line);
  min-height: min(610px, calc(100vh - 70px));
}

.home-hero-inner {
  display: flex;
  flex-direction: column;
  justify-content: center;
  margin: 0 auto;
  max-width: var(--max);
  min-height: inherit;
  padding: 4rem 1.25rem;
}

.hero-copy {
  max-width: 600px;
}

.eyebrow {
  align-items: center;
  color: var(--green-dark);
  display: flex;
  font-size: 0.75rem;
  font-weight: 850;
  gap: 0.55rem;
  margin: 0 0 1rem;
  text-transform: uppercase;
}

.eyebrow::before {
  background: var(--yellow);
  content: "";
  display: inline-block;
  height: 4px;
  width: 28px;
}

h1,
h2,
h3 {
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
  letter-spacing: 0;
  line-height: 1.12;
  margin-top: 0;
}

h1 {
  font-size: 5rem;
  margin-bottom: 0.8rem;
  max-width: 100%;
  overflow-wrap: anywhere;
}

h2 {
  font-size: 2.4rem;
  margin-bottom: 0.8rem;
  overflow-wrap: anywhere;
}

h3 {
  font-size: 1.35rem;
  margin-bottom: 0.45rem;
}

.hero-kicker {
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.85rem;
  font-weight: 700;
  line-height: 1.25;
  margin: 0 0 0.8rem;
  max-width: 560px;
}

.hero-dek,
.article-dek {
  color: var(--ink-soft);
  font-size: 1.12rem;
  line-height: 1.55;
  margin: 0;
  max-width: 720px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.5rem;
}

.hero-proof {
  align-items: center;
  color: var(--ink-soft);
  display: flex;
  flex-wrap: wrap;
  font-size: 0.82rem;
  font-weight: 650;
  gap: 0.55rem 1rem;
  margin-top: 1.25rem;
}

.hero-proof span {
  align-items: center;
  display: inline-flex;
  gap: 0.35rem;
}

.hero-proof span::before {
  background: var(--green);
  border-radius: 50%;
  content: "";
  height: 6px;
  width: 6px;
}

.band {
  border-bottom: 1px solid var(--line);
  padding: 4.5rem 1.25rem;
}

.band-alt {
  background: var(--paper-alt);
}

.band-dark {
  background: var(--ink);
  color: #fff;
}

.band-dark h2,
.band-dark h3,
.band-dark a {
  color: #fff;
}

.band-dark .section-head p {
  color: #d5dfda;
}

.band-inner {
  margin: 0 auto;
  max-width: var(--max);
}

.section-head {
  align-items: end;
  display: flex;
  gap: 2rem;
  justify-content: space-between;
  margin-bottom: 2rem;
}

.section-head p {
  color: var(--ink-soft);
  margin: 0;
  max-width: 560px;
}

.task-grid,
.card-grid {
  display: grid;
  gap: 1px;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.task-card,
.content-card {
  background: var(--paper);
  border: 1px solid var(--line);
  color: var(--ink);
  display: flex;
  flex-direction: column;
  min-height: 220px;
  padding: 1.35rem;
  text-decoration: none;
}

.task-card:hover,
.content-card:hover {
  border-color: var(--green);
  color: var(--ink);
  position: relative;
  z-index: 1;
}

.task-card strong,
.content-card strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.28rem;
  line-height: 1.2;
}

.task-card p,
.content-card p {
  color: var(--ink-soft);
  font-size: 0.92rem;
  margin: 0.75rem 0;
}

.card-link {
  color: var(--green-dark);
  font-size: 0.84rem;
  font-weight: 800;
  margin-top: auto;
}

.status {
  align-items: center;
  color: var(--ink-soft);
  display: inline-flex;
  font-size: 0.72rem;
  font-weight: 800;
  gap: 0.38rem;
  margin-bottom: 1.2rem;
  text-transform: uppercase;
}

.status::before {
  background: var(--blue);
  border-radius: 50%;
  content: "";
  height: 7px;
  width: 7px;
}

.status-durable::before {
  background: var(--green);
}

.status-live::before {
  background: var(--coral);
}

.article-hero {
  background: var(--paper-alt);
  border-bottom: 1px solid var(--line);
  padding: 3.2rem 1.25rem 3.5rem;
}

.article-hero-inner {
  margin: 0 auto;
  max-width: var(--max);
}

.breadcrumbs {
  color: var(--ink-soft);
  font-size: 0.79rem;
  margin-bottom: 2rem;
}

.breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.breadcrumbs li:not(:last-child)::after {
  color: var(--line-strong);
  content: "/";
  margin-left: 0.45rem;
}

.article-hero h1 {
  font-size: 4.25rem;
  max-width: 1000px;
}

.page-meta {
  align-items: center;
  border-top: 1px solid var(--line);
  color: var(--ink-soft);
  display: flex;
  flex-wrap: wrap;
  font-size: 0.79rem;
  gap: 0.55rem 1.4rem;
  margin-top: 1.8rem;
  padding-top: 1rem;
}

.page-meta strong {
  color: var(--ink);
}

.article-shell {
  display: grid;
  gap: 3.5rem;
  grid-template-columns: 230px minmax(0, var(--reading));
  justify-content: center;
  margin: 0 auto;
  max-width: var(--max);
  padding: 3.5rem 1.25rem 5rem;
}

.toc {
  align-self: start;
  border-left: 3px solid var(--line);
  font-size: 0.8rem;
  position: sticky;
  top: 96px;
}

.toc strong {
  display: block;
  font-size: 0.72rem;
  padding: 0 0.9rem 0.45rem;
  text-transform: uppercase;
}

.toc ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.toc a {
  border-left: 3px solid transparent;
  color: var(--ink-soft);
  display: block;
  margin-left: -3px;
  padding: 0.35rem 0.9rem;
  text-decoration: none;
}

.toc a:hover {
  border-left-color: var(--green);
  color: var(--ink);
}

.prose {
  min-width: 0;
}

.prose > :first-child {
  margin-top: 0;
}

.prose h2 {
  border-top: 1px solid var(--line);
  margin-top: 4rem;
  padding-top: 1.4rem;
}

.prose h3 {
  margin-top: 2.2rem;
}

.prose p,
.prose li {
  color: #26322c;
}

.prose p {
  margin: 1rem 0;
}

.prose li + li {
  margin-top: 0.5rem;
}

.prose sup a {
  font-size: 0.7rem;
  font-weight: 850;
  text-decoration: none;
}

.answer-box,
.method-note,
.warning,
.key-point {
  border-left: 4px solid var(--green);
  margin: 1.5rem 0 2rem;
  padding: 0.3rem 0 0.3rem 1.2rem;
}

.answer-box {
  font-size: 1.08rem;
}

.answer-box strong,
.method-note strong,
.warning strong,
.key-point strong {
  color: var(--ink);
  display: block;
  font-size: 0.78rem;
  margin-bottom: 0.25rem;
  text-transform: uppercase;
}

.method-note {
  border-color: var(--blue);
}

.warning {
  border-color: var(--coral);
}

.key-point {
  border-color: var(--yellow);
}

.fact-strip {
  border-bottom: 1px solid var(--line);
  border-top: 1px solid var(--line);
  display: grid;
  gap: 0;
  grid-template-columns: repeat(3, 1fr);
  margin: 2rem 0;
}

.fact-strip > div {
  padding: 1rem;
}

.fact-strip > div + div {
  border-left: 1px solid var(--line);
}

.fact-strip strong,
.fact-strip span {
  display: block;
}

.fact-strip strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.4rem;
}

.fact-strip span {
  color: var(--ink-soft);
  font-size: 0.75rem;
}

.table-wrap {
  border: 1px solid var(--line);
  margin: 1.5rem 0 2.2rem;
  overflow-x: auto;
}

table {
  border-collapse: collapse;
  font-size: 0.88rem;
  width: 100%;
}

caption {
  color: var(--ink-soft);
  font-size: 0.78rem;
  padding: 0.8rem;
  text-align: left;
}

th,
td {
  border-bottom: 1px solid var(--line);
  padding: 0.85rem;
  text-align: left;
  vertical-align: top;
}

th {
  background: var(--paper-alt);
  color: var(--ink);
  font-size: 0.75rem;
  text-transform: uppercase;
}

tr:last-child td {
  border-bottom: 0;
}

.number {
  font-variant-numeric: tabular-nums;
  text-align: right;
  white-space: nowrap;
}

.flow {
  display: grid;
  gap: 0.65rem;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  margin: 2rem 0;
}

.flow-step {
  background: var(--paper);
  border: 1px solid var(--line);
  min-height: 145px;
  padding: 0.9rem;
  position: relative;
}

.flow-step:not(:last-child)::after {
  color: var(--green);
  content: ">";
  font-size: 1.4rem;
  font-weight: 900;
  position: absolute;
  right: -0.53rem;
  top: 42%;
  z-index: 2;
}

.flow-step span {
  color: var(--green-dark);
  display: block;
  font-size: 0.7rem;
  font-weight: 850;
  margin-bottom: 0.35rem;
  text-transform: uppercase;
}

.flow-step strong {
  display: block;
  line-height: 1.2;
}

.flow-step small {
  color: var(--ink-soft);
  display: block;
  line-height: 1.4;
  margin-top: 0.45rem;
}

.flow-money .flow-step {
  background: var(--yellow-soft);
  border-color: #d4ae52;
}

.timeline {
  border-left: 2px solid var(--line-strong);
  list-style: none;
  margin: 2rem 0 2.5rem 0.5rem;
  padding: 0;
}

.timeline li {
  padding: 0 0 1.8rem 1.5rem;
  position: relative;
}

.timeline li::before {
  background: var(--paper);
  border: 3px solid var(--green);
  border-radius: 50%;
  content: "";
  height: 11px;
  left: -7px;
  position: absolute;
  top: 0.35rem;
  width: 11px;
}

.timeline time {
  color: var(--green-dark);
  display: block;
  font-size: 0.76rem;
  font-weight: 850;
  text-transform: uppercase;
}

.timeline strong {
  display: block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
  margin: 0.1rem 0 0.25rem;
}

.timeline p {
  margin: 0;
}

.statement-visual {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  margin: 2rem 0;
  padding: 1.2rem;
}

.statement-top {
  align-items: end;
  border-bottom: 2px solid var(--ink);
  display: flex;
  gap: 1rem;
  justify-content: space-between;
  padding-bottom: 0.9rem;
}

.statement-top span,
.statement-row span {
  color: var(--ink-soft);
  font-size: 0.75rem;
}

.statement-top strong {
  font-size: 1.7rem;
  font-variant-numeric: tabular-nums;
}

.statement-row {
  align-items: center;
  border-bottom: 1px solid var(--line);
  display: flex;
  gap: 1rem;
  justify-content: space-between;
  padding: 0.75rem 0;
}

.statement-row:last-child {
  border: 0;
}

.statement-row strong {
  font-variant-numeric: tabular-nums;
}

.equation {
  background: var(--ink);
  color: #fff;
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 0.88rem;
  line-height: 1.7;
  margin: 1.5rem 0;
  overflow-x: auto;
  padding: 1rem 1.2rem;
  white-space: pre;
}

.calc-shell {
  display: grid;
  gap: 1px;
  grid-template-columns: minmax(280px, 0.75fr) minmax(300px, 1.25fr);
  margin: 0 auto;
  max-width: var(--max);
  padding: 3rem 1.25rem 5rem;
}

.calc-panel,
.calc-results {
  border: 1px solid var(--line);
  min-width: 0;
  padding: 1.5rem;
}

.calc-panel {
  background: var(--paper-alt);
}

.calc-results {
  background: var(--paper);
}

.calc-panel h2,
.calc-results h2 {
  font-size: 1.9rem;
}

#result-content h2 {
  font-size: 1.35rem;
}

.field-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  min-width: 0;
}

.field label {
  color: var(--ink);
  display: block;
  font-size: 0.82rem;
  font-weight: 800;
  margin-bottom: 0.3rem;
}

.input-wrap {
  align-items: center;
  background: #fff;
  border: 1px solid var(--line-strong);
  display: flex;
}

.input-wrap:focus-within {
  border-color: var(--green);
  box-shadow: 0 0 0 3px var(--green-soft);
}

.input-prefix,
.input-suffix {
  color: var(--ink-soft);
  padding: 0.7rem 0.75rem;
}

.input-wrap input {
  background: transparent;
  border: 0;
  min-height: 46px;
  min-width: 0;
  padding: 0.6rem 0;
  width: 100%;
}

.input-wrap input:focus {
  outline: 0;
}

.field-help,
.field-error {
  display: block;
  font-size: 0.74rem;
  margin-top: 0.25rem;
}

.field-help {
  color: var(--ink-soft);
}

.field-error {
  color: #9a2d24;
  font-weight: 700;
}

.calc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 1.4rem;
}

.privacy-note {
  color: var(--ink-soft);
  font-size: 0.76rem;
  margin: 1rem 0 0;
}

.result-empty {
  color: var(--ink-soft);
  display: grid;
  min-height: 310px;
  place-items: center;
  text-align: center;
}

.result-summary {
  border-bottom: 1px solid var(--line);
  display: grid;
  gap: 1px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-bottom: 1.3rem;
}

.result-stat {
  background: var(--paper-alt);
  min-height: 112px;
  padding: 0.9rem;
}

.result-stat span,
.result-stat strong {
  display: block;
}

.result-stat span {
  color: var(--ink-soft);
  font-size: 0.72rem;
  font-weight: 750;
  text-transform: uppercase;
}

.result-stat strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.55rem;
  font-variant-numeric: tabular-nums;
  line-height: 1.2;
  margin-top: 0.35rem;
  overflow-wrap: anywhere;
}

.comparison-bar {
  margin: 1rem 0;
}

.comparison-row {
  align-items: center;
  display: grid;
  gap: 0.8rem;
  grid-template-columns: 145px minmax(0, 1fr) 85px;
  margin: 0.7rem 0;
}

.bar-track {
  background: var(--paper-alt);
  height: 12px;
  overflow: hidden;
}

.bar-fill {
  background: var(--green);
  height: 100%;
  max-width: 100%;
}

.bar-fill-alt {
  background: var(--blue);
}

.schedule-details {
  border-top: 1px solid var(--line);
  margin-top: 1.4rem;
  padding-top: 1rem;
}

details summary {
  color: var(--green-dark);
  cursor: pointer;
  font-weight: 800;
  padding: 0.4rem 0;
}

.audit-controls {
  border-bottom: 1px solid var(--line);
  border-top: 1px solid var(--line);
  margin: 1.5rem 0;
  padding: 1rem 0;
}

.audit-controls fieldset {
  border: 0;
  margin: 0;
  padding: 0;
}

.audit-controls legend {
  font-size: 0.8rem;
  font-weight: 800;
  margin-bottom: 0.55rem;
}

.segmented {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
}

.segmented label {
  border: 1px solid var(--line-strong);
  cursor: pointer;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 0.48rem 0.7rem;
}

.segmented input {
  height: 1px;
  opacity: 0;
  position: absolute;
  width: 1px;
}

.segmented label:has(input:checked) {
  background: var(--ink);
  border-color: var(--ink);
  color: #fff;
}

.confidence {
  border: 1px solid currentColor;
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 850;
  padding: 0.12rem 0.35rem;
  text-transform: uppercase;
  white-space: nowrap;
}

.confidence-high {
  color: var(--green-dark);
}

.confidence-medium {
  color: #8a5b00;
}

.source-list {
  border-top: 1px solid var(--line);
  font-size: 0.83rem;
  list-style: none;
  margin: 2rem 0 0;
  padding: 1rem 0 0;
}

.source-list li {
  color: var(--ink-soft);
  padding-left: 2.3rem;
  position: relative;
}

.source-list li + li {
  margin-top: 0.75rem;
}

.source-list .source-id {
  color: var(--green-dark);
  font-size: 0.72rem;
  font-weight: 850;
  left: 0;
  position: absolute;
  top: 0.1rem;
}

.next-links {
  background: var(--paper-alt);
  border-top: 1px solid var(--line);
  padding: 3.2rem 1.25rem;
}

.next-links-inner {
  margin: 0 auto;
  max-width: var(--max);
}

.next-grid {
  display: grid;
  gap: 1px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.next-grid a {
  background: #fff;
  border: 1px solid var(--line);
  color: var(--ink);
  min-height: 150px;
  padding: 1.1rem;
  text-decoration: none;
}

.next-grid a:hover {
  border-color: var(--green);
}

.next-grid span,
.next-grid strong {
  display: block;
}

.next-grid span {
  color: var(--green-dark);
  font-size: 0.72rem;
  font-weight: 850;
  margin-bottom: 0.4rem;
  text-transform: uppercase;
}

.next-grid strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.18rem;
  line-height: 1.25;
}

.site-footer {
  background: var(--ink);
  color: #dfe8e3;
  padding: 3.2rem 1.25rem 2rem;
}

.footer-inner {
  display: grid;
  gap: 3rem;
  grid-template-columns: 1.25fr repeat(3, 1fr);
  margin: 0 auto;
  max-width: var(--max);
}

.footer-brand p {
  color: #bac8c1;
  font-size: 0.85rem;
  max-width: 340px;
}

.site-footer .wordmark {
  color: #fff;
}

.footer-heading {
  color: #fff;
  display: block;
  font-size: 0.74rem;
  margin-bottom: 0.55rem;
  text-transform: uppercase;
}

.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-links li + li {
  margin-top: 0.4rem;
}

.footer-links a {
  color: #dfe8e3;
  font-size: 0.82rem;
}

.footer-bottom {
  border-top: 1px solid #3e4d46;
  color: #9eafa6;
  display: flex;
  font-size: 0.72rem;
  gap: 1rem;
  justify-content: space-between;
  margin: 2.5rem auto 0;
  max-width: var(--max);
  padding-top: 1rem;
}

.visually-hidden {
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  height: 1px;
  overflow: hidden;
  position: absolute;
  white-space: nowrap;
  width: 1px;
}

[hidden] {
  display: none !important;
}

@media (max-width: 940px) {
  h1 {
    font-size: 3.7rem;
  }

  .article-hero h1 {
    font-size: 3.3rem;
  }

  .task-grid,
  .card-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .article-shell {
    gap: 2rem;
    grid-template-columns: 190px minmax(0, 1fr);
  }

  .flow {
    grid-template-columns: 1fr;
  }

  .flow-step {
    min-height: 0;
  }

  .flow-step:not(:last-child)::after {
    bottom: -1.05rem;
    content: "v";
    right: 50%;
    top: auto;
  }

  .footer-inner {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  html {
    scroll-padding-top: 5rem;
  }

  .header-inner {
    min-height: 62px;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .site-nav {
    align-items: stretch;
    background: #fff;
    border-bottom: 1px solid var(--line);
    display: none;
    flex-direction: column;
    left: 0;
    padding: 0.5rem 1.25rem 1rem;
    position: absolute;
    right: 0;
    top: 62px;
  }

  .site-nav[data-open="true"] {
    display: flex;
  }

  .site-nav a {
    border-bottom: 1px solid var(--line);
    padding: 0.8rem 0.2rem;
  }

  .home-hero {
    background-position: 57% center;
    min-height: 610px;
  }

  .home-hero-inner {
    justify-content: flex-start;
    padding-top: 3rem;
  }

  .hero-copy {
    max-width: 76%;
  }

  h1 {
    font-size: 3rem;
  }

  h2 {
    font-size: 2rem;
  }

  .article-hero h1 {
    font-size: 2.75rem;
  }

  .section-head {
    align-items: start;
    flex-direction: column;
    gap: 0.4rem;
  }

  .article-shell {
    display: block;
    padding-top: 2rem;
  }

  .toc {
    border: 1px solid var(--line);
    margin-bottom: 2.5rem;
    padding: 0.9rem 0;
    position: static;
  }

  .toc ul {
    column-count: 2;
  }

  .calc-shell {
    grid-template-columns: 1fr;
  }

  .result-summary {
    grid-template-columns: 1fr;
  }

  .next-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 540px) {
  .band {
    padding: 3.2rem 1rem;
  }

  .header-inner,
  .article-hero,
  .article-shell,
  .calc-shell,
  .next-links,
  .site-footer {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .home-hero {
    background-image: none;
    min-height: auto;
  }

  .home-hero::after {
    background-image: url("/assets/images/credit-account-flow-hero.jpg");
    background-position: center;
    background-size: cover;
    content: "";
    display: block;
    height: 240px;
  }

  .home-hero-inner {
    min-height: auto;
    padding: 2.5rem 1rem 2rem;
  }

  .hero-copy {
    max-width: none;
  }

  h1,
  .article-hero h1 {
    font-size: 2.25rem;
  }

  h2 {
    font-size: 1.75rem;
  }

  .hero-kicker {
    font-size: 1.45rem;
  }

  .hero-actions .button {
    width: 100%;
  }

  .task-grid,
  .card-grid,
  .fact-strip,
  .field-grid,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .fact-strip > div + div {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .toc ul {
    column-count: 1;
  }

  .statement-top {
    align-items: start;
    flex-direction: column;
  }

  .comparison-row {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

@media print {
  .site-header,
  .site-footer,
  .toc,
  .next-links,
  .hero-actions,
  .audit-controls,
  .calc-actions {
    display: none !important;
  }

  body {
    color: #000;
    font-size: 11pt;
  }

  .article-shell {
    display: block;
    max-width: none;
    padding: 0;
  }

  a {
    color: #000;
  }
}