/* ─────────────────────────────────────────────────────────────────
   VegaFi — Editorial cosmic
   ───────────────────────────────────────────────────────────────── */

:root {
  /* Midnight (default) — brand blue */
  --bg:        #0a1230;
  --bg-2:      #101a3e;
  --bg-3:      #1a2554;
  --ink:       #f3ecdb;
  --ink-mute:  rgba(243, 236, 219, 0.62);
  --ink-faint: rgba(243, 236, 219, 0.30);
  --line:      rgba(243, 236, 219, 0.12);
  --line-2:    rgba(243, 236, 219, 0.20);
  --accent:    #62b8ff;   /* VegaFi brand blue */
  --accent-2:  #a4d4ff;
  --accent-ink:#06182e;   /* dark ink that reads on accent */
  --hot:       #e8c476;
  --radius:    14px;
  --radius-lg: 22px;

  --f-display: "Instrument Serif", "Times New Roman", ui-serif, serif;
  --f-body:    "Geist", ui-sans-serif, system-ui, -apple-system, sans-serif;
  --f-mono:    "JetBrains Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
}

/* Gilded — original gold treatment */
[data-theme="gilded"] {
  --accent:    #e8c476;
  --accent-2:  #ffe6a8;
  --accent-ink:#1a0e02;
  --hot:       #6fa8ff;
}

/* Aurora theme — softer indigo/violet */
[data-theme="aurora"] {
  --bg:        #0a0820;
  --bg-2:      #15102e;
  --bg-3:      #20184a;
  --accent:    #c6a8ff;
  --accent-2:  #e2d0ff;
  --accent-ink:#1a0a3a;
  --hot:       #62e8d5;
}

/* Daybreak — light cream theme */
[data-theme="daybreak"] {
  --bg:        #f3ecdb;
  --bg-2:      #ebe2cb;
  --bg-3:      #e2d6b7;
  --ink:       #1a1325;
  --ink-mute:  rgba(26, 19, 37, 0.60);
  --ink-faint: rgba(26, 19, 37, 0.30);
  --line:      rgba(26, 19, 37, 0.12);
  --line-2:    rgba(26, 19, 37, 0.22);
  --accent:    #1f5fc4;
  --accent-2:  #0e3f8e;
  --accent-ink:#ffffff;
  --hot:       #c14b2e;
}

/* Obsidian — pure black + ink */
[data-theme="obsidian"] {
  --bg:        #000000;
  --bg-2:      #0a0a0a;
  --bg-3:      #161616;
  --accent:    #ffffff;
  --accent-2:  #ffffff;
  --accent-ink:#000000;
  --hot:       #62b8ff;
  --line:      rgba(255,255,255,0.10);
  --line-2:    rgba(255,255,255,0.18);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; background: var(--bg); }
body {
  font-family: var(--f-body);
  color: var(--ink);
  background: var(--bg);
  font-size: 16px;
  line-height: 1.55;
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }

::selection { background: var(--accent); color: var(--bg); }

/* ─────────────── Type ─────────────── */
.display {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(40px, 5.4vw, 84px);
  line-height: 0.98;
  letter-spacing: -0.018em;
  margin: 0;
  text-wrap: balance;
}
.display em { font-style: italic; font-weight: 400; color: var(--accent); }
.display--huge { font-size: clamp(56px, 9.4vw, 156px); line-height: 0.92; }

.eyebrow {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-mute);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: "";
  width: 24px; height: 1px;
  background: var(--ink-mute);
}

.lede {
  font-family: var(--f-body);
  font-size: clamp(16px, 1.2vw, 19px);
  line-height: 1.55;
  color: var(--ink-mute);
  max-width: 60ch;
  margin: 18px 0 0;
  text-wrap: pretty;
}

/* ─────────────── Buttons ─────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 20px;
  border-radius: 999px;
  font-family: var(--f-body);
  font-weight: 500;
  font-size: 14px;
  letter-spacing: 0.005em;
  border: 1px solid transparent;
  transition: transform .25s ease, background .25s ease, color .25s ease, border-color .25s ease;
  white-space: nowrap;
  cursor: pointer;
}
.btn--sm { padding: 8px 14px; font-size: 13px; }
.btn--lg { padding: 16px 26px; font-size: 15px; }
.btn--xl { padding: 20px 34px; font-size: 17px; }

.btn--primary {
  background: var(--accent);
  color: var(--accent-ink);
  border-color: var(--accent);
}
.btn--primary:hover {
  background: var(--accent-2);
  border-color: var(--accent-2);
  transform: translateY(-1px);
}
.btn--ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line-2);
}
.btn--ghost:hover {
  border-color: var(--ink);
  background: rgba(255,255,255,0.04);
}
[data-theme="daybreak"] .btn--ghost:hover { background: rgba(0,0,0,0.04); }

.btn__arrow {
  font-family: var(--f-mono);
  font-weight: 400;
  font-size: 0.9em;
  transition: transform .25s ease;
}
.btn:hover .btn__arrow { transform: translate(2px, -2px); }

/* ─────────────── Nav ─────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 32px;
  padding: 18px 36px;
  transition: background .3s ease, backdrop-filter .3s ease, border-color .3s ease;
  border-bottom: 1px solid transparent;
}
.nav.is-scrolled {
  background: color-mix(in oklab, var(--bg) 75%, transparent);
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border-bottom-color: var(--line);
}
.nav__logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.nav__logo img {
  height: 30px;
  width: auto;
  display: block;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 28px;
  justify-content: center;
  font-size: 14px;
  color: var(--ink);
}
.nav__links a { color: var(--ink); transition: opacity .2s ease; }
.nav__links a:hover { opacity: 0.7; }
.nav__rate {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.dot {
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 0 0 var(--accent);
  animation: ping 2.2s infinite ease-out;
}
@keyframes ping {
  0%   { box-shadow: 0 0 0 0 color-mix(in oklab, var(--accent) 70%, transparent); }
  70%  { box-shadow: 0 0 0 8px transparent; }
  100% { box-shadow: 0 0 0 0 transparent; }
}

.nav__cta {
  display: flex;
  align-items: center;
  gap: 12px;
}
.nav__phone {
  font-family: var(--f-mono);
  font-size: 12.5px;
  color: var(--ink);
  padding: 0 10px;
}

@media (max-width: 960px) {
  .nav { grid-template-columns: auto 1fr auto; padding: 14px 20px; gap: 12px; }
  .nav__links { display: none; }
  .nav__phone { display: none; }
}

/* ─────────────── Hero ─────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  padding: 140px 36px 80px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
  background:
    radial-gradient(1200px 700px at 80% 0%, color-mix(in oklab, var(--bg-3) 60%, transparent), transparent 60%),
    radial-gradient(900px 500px at 0% 80%, color-mix(in oklab, var(--bg-2) 70%, transparent), transparent 60%),
    var(--bg);
}
.hero__stars {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  pointer-events: none;
}
.hero__constellation {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  opacity: 0.95;
}
.hero__constellation .con-lines line {
  stroke: var(--ink-faint);
  stroke-width: 0.6;
  stroke-dasharray: 2 4;
}
.hero__constellation .con-stars circle {
  fill: var(--ink);
  opacity: 0.7;
}
.vega-halo {
  fill: var(--accent);
  opacity: 0.10;
  animation: pulse 4s ease-in-out infinite;
}
.vega-glow {
  fill: var(--accent);
  opacity: 0.28;
}
.vega-core {
  fill: var(--accent-2);
}
.vega-label {
  font-family: var(--f-mono);
  font-size: 10px;
  fill: var(--accent);
  letter-spacing: 0.18em;
  text-anchor: middle;
  opacity: 0.85;
}
@keyframes pulse {
  0%, 100% { opacity: 0.08; transform: scale(1); }
  50%      { opacity: 0.18; transform: scale(1.25); }
}
.vega-halo { transform-origin: center; transform-box: fill-box; }

.hero__inner {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
  padding-top: 4vh;
}
.hero__eye {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-mute);
  padding: 8px 14px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: color-mix(in oklab, var(--bg-2) 70%, transparent);
  backdrop-filter: blur(8px);
}

.hero__h {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(56px, 9.6vw, 160px);
  line-height: 0.92;
  letter-spacing: -0.022em;
  margin: 28px 0 0;
  max-width: 14ch;
  text-wrap: balance;
}
.hero__h em { font-style: italic; color: var(--accent); }
.hero__h-2 {
  display: block;
  font-size: clamp(28px, 3.8vw, 64px);
  color: var(--ink-mute);
  margin-top: 8px;
  letter-spacing: -0.012em;
}
.hero__h-2 em { color: var(--ink); font-style: italic; }

.hero__sub {
  margin: 28px 0 0;
  max-width: 56ch;
  color: var(--ink-mute);
  font-size: clamp(15px, 1.15vw, 18px);
  line-height: 1.6;
}

.hero__cta {
  margin: 36px 0 0;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero__trust {
  margin: 64px 0 0;
  padding: 22px 0 0;
  border-top: 1px solid var(--line);
  list-style: none;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  max-width: 800px;
}
.hero__trust li { display: flex; flex-direction: column; gap: 4px; }
.hero__trust b {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(32px, 3vw, 48px);
  line-height: 1;
  letter-spacing: -0.02em;
}
.hero__trust span {
  font-family: var(--f-mono);
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-faint);
}
@media (max-width: 720px) {
  .hero__trust { grid-template-columns: repeat(2, 1fr); gap: 22px; }
}

.hero__scroll {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-faint);
}
.hero__scroll svg {
  stroke: var(--ink-faint);
  stroke-width: 1;
  fill: none;
  animation: bob 2.4s ease-in-out infinite;
}
@keyframes bob {
  0%, 100% { transform: translateY(0); opacity: 0.5; }
  50%      { transform: translateY(4px); opacity: 1; }
}

/* ─────────────── Marquee strip ─────────────── */
.strip {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
  overflow: hidden;
  background: var(--bg-2);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.strip__track {
  display: flex;
  gap: 28px;
  white-space: nowrap;
  font-family: var(--f-display);
  font-style: italic;
  font-size: clamp(20px, 2.2vw, 32px);
  color: var(--ink-mute);
  animation: marquee 50s linear infinite;
  width: max-content;
}
.strip__track span:nth-child(even) { color: var(--accent); font-style: normal; }
@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ─────────────── Section heads ─────────────── */
.section-head {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 36px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.section-head--center { text-align: center; align-items: center; }
.section-head--center .lede { margin-inline: auto; }

/* ─────────────── Product / SmartMatch ─────────────── */
.product {
  padding: 140px 36px;
  position: relative;
}
.product__head {
  max-width: 1280px;
  margin: 0 auto 80px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
.product__head .display { max-width: 18ch; }
.product__head .lede { max-width: 64ch; }

.product__diagram {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
}
@media (max-width: 960px) {
  .product__diagram { grid-template-columns: 1fr; }
}

.dgm__chip {
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-faint);
  margin-bottom: 12px;
}
.dgm__chip--right { text-align: right; }

.dgm__card {
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 4px 0;
}
.dgm__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 13px 18px;
  border-bottom: 1px solid var(--line);
  font-size: 14px;
}
.dgm__row:last-child { border-bottom: 0; }
.dgm__row span { color: var(--ink-mute); }
.dgm__row b { font-weight: 500; font-family: var(--f-mono); font-size: 13px; }

.dgm--engine {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  min-height: 280px;
}
.dgm__beam {
  position: absolute;
  inset: 50% auto auto 50%;
  width: 320px; height: 320px;
  transform: translate(-50%, -50%);
  animation: spin 24s linear infinite;
}
@keyframes spin {
  from { transform: translate(-50%, -50%) rotate(0deg); }
  to   { transform: translate(-50%, -50%) rotate(360deg); }
}
.dgm__engine-inner {
  position: relative;
  z-index: 2;
  text-align: center;
  background: var(--bg-2);
  border: 1px solid var(--line-2);
  border-radius: 100%;
  width: 184px; height: 184px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  color: var(--accent);
  box-shadow: 0 0 0 1px var(--line) inset, 0 30px 60px -20px color-mix(in oklab, var(--accent) 30%, transparent);
}
.dgm__engine-name {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 18px;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.dgm__engine-meta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-mute);
}
.pulse {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
  animation: pulse2 1.2s ease-in-out infinite;
}
@keyframes pulse2 {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.3; }
}

.lenders {
  list-style: none;
  margin: 0; padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--bg-2);
  overflow: hidden;
}
.lenders li {
  display: grid;
  grid-template-columns: 40px 1fr;
  grid-template-rows: auto auto;
  gap: 2px 14px;
  padding: 14px 18px;
  border-bottom: 1px solid var(--line);
  transition: background .25s ease;
}
.lenders li:last-child { border-bottom: 0; }
.lenders li:hover { background: color-mix(in oklab, var(--accent) 6%, transparent); }
.lenders__rank {
  grid-row: span 2;
  align-self: center;
  font-family: var(--f-mono);
  font-size: 12px;
  color: var(--ink-faint);
}
.lenders__name {
  font-weight: 500;
  font-size: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.lenders__terms {
  font-family: var(--f-mono);
  font-size: 11.5px;
  color: var(--ink-mute);
  letter-spacing: 0.01em;
}
.lenders .badge {
  font-family: var(--f-mono);
  font-size: 9px;
  letter-spacing: 0.14em;
  background: var(--accent);
  color: var(--accent-ink);
  padding: 3px 6px;
  border-radius: 4px;
}
.lenders .winner .lenders__name { color: var(--accent); }
.lenders .muted { opacity: 0.55; }

.product__note {
  max-width: 1280px;
  margin: 22px auto 0;
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink-faint);
  letter-spacing: 0.04em;
}

/* ─────────────── SmartMatch (interactive) ─────────────── */
.product__diagram {
  position: relative;
}
.sm {
  display: grid;
  grid-template-columns: 1fr 280px 1fr;
  gap: 24px;
  align-items: stretch;
  position: relative;
}
.sm::before, .sm::after {
  content: "";
  position: absolute;
  top: 50%;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--line-2), transparent);
  z-index: 0;
  pointer-events: none;
  width: 8%;
}
.sm::before { left: calc(50% - 180px); }
.sm::after  { left: calc(50% + 100px); }

.product__diagram[data-state="scanning"] .sm::before,
.product__diagram[data-state="scanning"] .sm::after {
  background: linear-gradient(90deg,
    transparent,
    color-mix(in oklab, var(--accent) 75%, transparent),
    transparent);
  animation: flow 1.4s linear infinite;
}
@keyframes flow {
  0%   { background-position: -40px 0; }
  100% { background-position: 40px 0; }
}

.sm-col { display: flex; flex-direction: column; min-width: 0; }
.sm-col--engine { align-items: center; justify-content: center; gap: 18px; }

.sm-card {
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
}
.sm-card__hd {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 18px;
  border-bottom: 1px solid var(--line);
  font-family: var(--f-mono);
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-mute);
}
.sm-card__dot {
  width: 6px; height: 6px;
  background: #4ade80;
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(74, 222, 128, 0.15);
}
.sm-card__rows { display: flex; flex-direction: column; }
.sm-card__ft {
  padding: 14px 14px;
  border-top: 1px solid var(--line);
  background: color-mix(in oklab, var(--bg-3) 50%, transparent);
}
.sm-run {
  width: 100%;
  justify-content: center;
  position: relative;
}
.sm-run.is-busy {
  background: color-mix(in oklab, var(--accent) 35%, var(--bg-2));
  color: var(--ink);
  border-color: var(--line-2);
  cursor: progress;
}

/* ── Engine ── */
.sm-engine {
  position: relative;
  width: 240px;
  height: 240px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.sm-engine__beam {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
}
.product__diagram[data-state="scanning"] .sm-engine__beam {
  animation: sm-spin 6s linear infinite;
}
.product__diagram[data-state="idle"] .sm-engine__beam { opacity: 0.45; }
.product__diagram[data-state="completed"] .sm-engine__beam { animation: sm-spin 30s linear infinite; }
@keyframes sm-spin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

.sm-engine__pings {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}
.sm-engine__pings span {
  position: absolute;
  width: 120px; height: 120px;
  border-radius: 50%;
  border: 1px solid var(--accent);
  opacity: 0;
}
.product__diagram[data-state="scanning"] .sm-engine__pings span {
  animation: ping-rings 2s ease-out infinite;
}
.sm-engine__pings span:nth-child(2) { animation-delay: 0.6s !important; }
.sm-engine__pings span:nth-child(3) { animation-delay: 1.2s !important; }
@keyframes ping-rings {
  0%   { opacity: 0.6; transform: scale(0.4); }
  100% { opacity: 0;   transform: scale(2.0); }
}

.sm-engine__core {
  position: relative;
  z-index: 2;
  width: 180px; height: 180px;
  border-radius: 100%;
  background: var(--bg-2);
  border: 1px solid var(--line-2);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  color: var(--accent);
  box-shadow: 0 0 0 1px var(--line) inset,
              0 30px 60px -20px color-mix(in oklab, var(--accent) 30%, transparent);
  text-align: center;
  padding: 0 18px;
}
.sm-engine__icon {
  width: 52px;
  height: auto;
  display: block;
  margin-bottom: 2px;
}
.product__diagram[data-state="scanning"] .sm-engine__core {
  box-shadow: 0 0 0 1px var(--accent) inset,
              0 30px 60px -10px color-mix(in oklab, var(--accent) 60%, transparent);
}
.sm-engine__name {
  font-family: var(--f-display);
  font-style: italic;
  font-size: 17px;
  color: var(--ink);
  letter-spacing: -0.01em;
  line-height: 1.1;
}
.sm-engine__meta {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1px;
  font-family: var(--f-mono);
  font-size: 9.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-mute);
  line-height: 1.35;
  font-variant-numeric: tabular-nums;
}
.sm-engine__meta-l1 {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.sm-engine__meta-l2 { display: block; }

.sm-progress {
  width: 100%;
  max-width: 280px;
  height: 4px;
  background: var(--line);
  border-radius: 999px;
  position: relative;
  overflow: visible;
  opacity: 0;
  transition: opacity 0.3s;
}
.product__diagram[data-state="scanning"] .sm-progress,
.product__diagram[data-state="completed"] .sm-progress {
  opacity: 1;
}
.sm-progress__bar {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--accent-2));
  border-radius: 999px;
  transition: width 0.15s linear;
  box-shadow: 0 0 12px color-mix(in oklab, var(--accent) 60%, transparent);
}
.sm-progress__labels {
  display: none;
}

/* ── Results: skeleton ── */
.sm-skeleton {
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 6px 0;
  position: relative;
  min-height: 280px;
}
.sm-skel {
  display: grid;
  grid-template-columns: 40px 1fr 70px;
  gap: 14px;
  padding: 14px 18px;
  border-bottom: 1px solid var(--line);
  align-items: center;
  opacity: 0.6;
}
.sm-skel:last-child { border-bottom: 0; }
.sm-skel__rank {
  width: 22px; height: 12px;
  background: var(--line-2);
  border-radius: 3px;
}
.sm-skel__lines { display: flex; flex-direction: column; gap: 6px; }
.sm-skel__line { height: 9px; background: var(--line-2); border-radius: 3px; }
.sm-skel__line--a { width: 60%; }
.sm-skel__line--b { width: 90%; }
.sm-skel__rate { width: 56px; height: 18px; background: var(--line-2); border-radius: 3px; justify-self: end; }

.product__diagram[data-state="scanning"] .sm-skel {
  animation: skel-pulse 1.4s ease-in-out infinite;
}
@keyframes skel-pulse {
  0%, 100% { opacity: 0.35; }
  50%      { opacity: 0.85; }
}

.sm-skeleton__empty {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: color-mix(in oklab, var(--bg-2) 80%, transparent);
  backdrop-filter: blur(2px);
  pointer-events: none;
}

/* ── Results: actual ── */
.sm-results {
  list-style: none;
  margin: 0; padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--bg-2);
  overflow: hidden;
}
.sm-result {
  display: grid;
  grid-template-columns: 40px 1fr auto;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
  opacity: 0;
  transform: translateY(8px);
  animation: result-in 0.5s ease forwards;
}
.sm-result:last-child { border-bottom: 0; }
@keyframes result-in {
  to { opacity: 1; transform: translateY(0); }
}
.sm-result__rank {
  font-family: var(--f-mono);
  font-size: 12px;
  color: var(--ink-faint);
}
.sm-result__name {
  font-weight: 500;
  font-size: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.sm-result__desc {
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink-mute);
  letter-spacing: 0.02em;
  margin-top: 2px;
}
.sm-result__rate {
  text-align: right;
  font-family: var(--f-display);
  color: var(--ink);
}
.sm-result__rate b {
  font-weight: 400;
  font-size: 28px;
  letter-spacing: -0.01em;
  font-variant-numeric: tabular-nums;
}
.sm-result__rate sup {
  font-size: 12px;
  font-family: var(--f-mono);
  color: var(--ink-mute);
  margin-left: 2px;
  vertical-align: super;
}
.sm-result__rate span,
.sm-result__view {
  font-family: var(--f-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-mute);
  text-decoration: none;
  transition: color .2s ease;
}
.sm-result__view:hover { color: var(--accent); }
.sm-result.is-winner {
  background: color-mix(in oklab, var(--accent) 8%, transparent);
}
.sm-result.is-winner .sm-result__name { color: var(--accent); }
.sm-result.is-winner .sm-result__rate b { color: var(--accent); }
.sm-result .badge {
  font-family: var(--f-mono);
  font-size: 9px;
  letter-spacing: 0.14em;
  background: var(--accent);
  color: var(--accent-ink);
  padding: 3px 6px;
  border-radius: 4px;
}
.sm-result--more { opacity: 0.6; }
.sm-result--more .sm-result__rate { font-family: var(--f-mono); font-size: 12px; }

.dgm__chip {
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-faint);
  margin-bottom: 12px;
}
.dgm__chip--right { text-align: right; }

@media (max-width: 960px) {
  .sm { grid-template-columns: 1fr; gap: 36px; }
  .sm::before, .sm::after { display: none; }
}

/* Disable the old static diagram fallback rules (now unused, but kept defensively) */
.product__diagram > .dgm { display: none; }

/* ─────────────── Loan products ─────────────── */
.products {
  padding: 140px 36px;
  background: linear-gradient(180deg, var(--bg) 0%, var(--bg-2) 100%);
  position: relative;
}
.section-head { padding: 0; max-width: 1280px; margin: 0 auto 64px; }
.products .section-head .display { max-width: 16ch; }

.prod-grid {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
@media (max-width: 960px) { .prod-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .prod-grid { grid-template-columns: 1fr; } }

.pcard {
  position: relative;
  padding: 36px 32px 32px;
  background: var(--bg);
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-height: 280px;
  transition: background .3s ease, transform .3s ease;
  overflow: hidden;
}
.pcard:hover { background: var(--bg-3); }
.pcard__no {
  position: absolute;
  top: 24px; right: 28px;
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink-faint);
  letter-spacing: 0.1em;
}
.pcard__glyph {
  color: var(--accent);
  width: 48px; height: 48px;
}
.pcard__glyph svg { width: 100%; height: 100%; }
.pcard h3 {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: 28px;
  margin: 8px 0 0;
  letter-spacing: -0.012em;
}
.pcard p {
  margin: 0;
  color: var(--ink-mute);
  font-size: 14px;
  line-height: 1.55;
  flex: 1;
}
.pcard__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  font-family: var(--f-mono);
  font-size: 11.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent);
}
.pcard__cta span { transition: transform .25s ease; }
.pcard:hover .pcard__cta span { transform: translate(3px, -3px); }
.pcard--accent { background: color-mix(in oklab, var(--accent) 5%, var(--bg)); }
.pcard--accent:hover { background: color-mix(in oklab, var(--accent) 10%, var(--bg)); }

/* ─────────────── How it works ─────────────── */
.how {
  padding: 140px 36px;
  background: var(--bg);
}
.steps {
  max-width: 1280px;
  margin: 80px auto 0;
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
.step {
  display: grid;
  grid-template-columns: 220px 1fr 1fr;
  gap: 48px;
  padding: 48px 0;
  border-top: 1px solid var(--line);
  align-items: start;
}
.step:last-child { border-bottom: 1px solid var(--line); }
.step__num {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(80px, 8vw, 140px);
  line-height: 0.9;
  color: var(--accent);
  letter-spacing: -0.04em;
}
.step__body h3 {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(28px, 2.6vw, 40px);
  margin: 12px 0 16px;
  letter-spacing: -0.012em;
}
.step__body p {
  margin: 0;
  color: var(--ink-mute);
  max-width: 52ch;
  font-size: 15px;
  line-height: 1.6;
}
.step__visual {
  background: var(--bg-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  align-self: stretch;
}
.step__visual--form { display: flex; flex-direction: column; gap: 0; padding: 0; }
.ff {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 18px;
  border-bottom: 1px solid var(--line);
  font-size: 13px;
}
.ff:last-child { border-bottom: 0; }
.ff span { color: var(--ink-mute); font-family: var(--f-mono); font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; }
.ff b { font-weight: 500; }
.ff--active { background: color-mix(in oklab, var(--accent) 6%, transparent); }
.ff--active b { color: var(--accent); }
.caret {
  display: inline-block;
  margin-left: 2px;
  width: 2px;
  background: var(--accent);
  animation: caret 1s steps(2) infinite;
}
@keyframes caret { 50% { opacity: 0; } }

.step__visual--scan { display: flex; flex-direction: column; gap: 10px; padding: 22px; position: relative; }
.scan__bar {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  border-radius: 8px;
  background: var(--bg-3);
  overflow: hidden;
  font-size: 13px;
  will-change: transform;
}
.scan__bar.is-winner {
  outline: 1px solid var(--accent);
  outline-offset: -1px;
  box-shadow: 0 0 24px -8px color-mix(in oklab, var(--accent) 70%, transparent);
}
.scan__bar.is-winner b { color: var(--accent); }
.scan__bar::before {
  content: "";
  position: absolute;
  inset: 0;
  width: var(--w);
  background: linear-gradient(90deg, color-mix(in oklab, var(--accent) 22%, transparent), transparent);
  z-index: 0;
}
.scan__bar > * { position: relative; z-index: 1; }
.scan__bar span { color: var(--ink-mute); font-family: var(--f-mono); font-size: 11px; letter-spacing: 0.06em; }
.scan__bar b { font-family: var(--f-mono); font-weight: 500; font-size: 13px; color: var(--accent); }

.step__visual--close { display: flex; flex-direction: column; gap: 0; padding: 0; }
.close__row {
  display: grid;
  grid-template-columns: 110px 1fr 90px;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border-bottom: 1px solid var(--line);
  font-size: 13px;
}
.close__row:last-child { border-bottom: 0; }
.close__row span { color: var(--ink-mute); font-family: var(--f-mono); font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; }
.close__row .bar {
  height: 4px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--accent), var(--accent));
  width: 100%;
}
.close__row .bar--p { background: linear-gradient(90deg, var(--accent) 65%, var(--line-2) 65%); }
.close__row .bar--q { background: linear-gradient(90deg, var(--accent) 28%, var(--line-2) 28%); }
.close__row b { font-family: var(--f-mono); font-size: 12px; text-align: right; }

@media (max-width: 960px) {
  .step { grid-template-columns: 1fr; gap: 18px; }
}

/* ─────────────── Proof ─────────────── */
.proof {
  padding: 140px 36px;
  background: linear-gradient(180deg, var(--bg) 0%, var(--bg-2) 100%);
}
.proof__grid {
  max-width: 1280px;
  margin: 64px auto 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 960px) { .proof__grid { grid-template-columns: 1fr; } }

.quote {
  position: relative;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 32px 28px;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 22px;
  min-height: 320px;
}
.quote__stars {
  color: var(--accent);
  font-size: 16px;
  letter-spacing: 4px;
}
.quote blockquote {
  margin: 0;
  font-family: var(--f-display);
  font-weight: 400;
  font-size: 22px;
  line-height: 1.32;
  letter-spacing: -0.005em;
  flex: 1;
  text-wrap: pretty;
}
.quote figcaption {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}
.quote__av {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--accent-ink);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--f-mono);
  font-weight: 500;
  font-size: 13px;
}
.quote figcaption b { display: block; font-size: 14px; font-weight: 500; }
.quote figcaption em {
  display: block;
  font-style: normal;
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  color: var(--ink-mute);
  margin-top: 2px;
}
.quote__num {
  position: absolute;
  top: 24px; right: 28px;
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink-faint);
  letter-spacing: 0.1em;
}

.proof__bar {
  max-width: 1280px;
  margin: 64px auto 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  padding: 32px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.proof__bar div { display: flex; flex-direction: column; gap: 4px; }
.proof__bar b {
  font-family: var(--f-display);
  font-weight: 400;
  font-size: clamp(32px, 3.4vw, 56px);
  letter-spacing: -0.02em;
  line-height: 1;
}
.proof__bar span {
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink-faint);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
@media (max-width: 720px) { .proof__bar { grid-template-columns: repeat(2, 1fr); } }

/* ─────────────── CTA ─────────────── */
.cta {
  position: relative;
  padding: 160px 36px;
  text-align: center;
  background: var(--bg);
  overflow: hidden;
  border-top: 1px solid var(--line);
}
.cta__stars { position: absolute; inset: 0; width: 100%; height: 100%; pointer-events: none; }
.cta__inner {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 22px;
}
.cta__buttons {
  margin-top: 18px;
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
}
.cta__fine {
  margin-top: 36px;
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  color: var(--ink-faint);
  text-transform: uppercase;
}

/* ─────────────── Footer ─────────────── */
.ft {
  padding: 80px 36px 36px;
  background: var(--bg-2);
  border-top: 1px solid var(--line);
  color: var(--ink);
}
.ft a, .ft em, .ft b, .ft h6, .ft span { color: var(--ink); }
.ft__top {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.3fr 2fr;
  gap: 64px;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--line);
}
@media (max-width: 720px) { .ft__top { grid-template-columns: 1fr; gap: 32px; } }
.ft__logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  color: var(--ink);
}
.ft__logo-img {
  height: 40px;
  width: auto;
  max-width: 220px;
  display: block;
  object-fit: contain;
  object-position: left center;
}
.ft__logo em {
  display: block;
  font-style: italic;
  font-family: var(--f-display);
  font-size: 16px;
  color: var(--ink);
}
.ft__cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
@media (max-width: 600px) { .ft__cols { grid-template-columns: repeat(2, 1fr); } }
.ft__cols h6 {
  font-family: var(--f-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink);
  margin: 0 0 14px;
  font-weight: 500;
}
.ft__cols a {
  display: block;
  font-size: 14px;
  color: var(--ink);
  padding: 4px 0;
  transition: opacity .2s ease;
}
.ft__cols a:hover { opacity: 0.7; }

.ft__bot {
  max-width: 1280px;
  margin: 28px auto 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--f-mono);
  font-size: 11px;
  color: var(--ink);
  letter-spacing: 0.04em;
}
.ft__eho {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

/* ─────────────── Daybreak theme overrides for buttons/badges ─────────────── */
[data-theme="daybreak"] .btn--primary { background: var(--accent); color: var(--accent-ink); border-color: var(--accent); }
[data-theme="daybreak"] .btn--primary:hover { background: var(--accent-2); border-color: var(--accent-2); }
[data-theme="daybreak"] ::selection { color: var(--accent-ink); }
[data-theme="daybreak"] .lenders .badge { color: var(--accent-ink); }
[data-theme="daybreak"] .quote__av { color: var(--accent-ink); }

/* ─────────────── Obsidian overrides ─────────────── */
[data-theme="obsidian"] .btn--primary { background: var(--ink); color: #000; border-color: var(--ink); }
[data-theme="obsidian"] .display em { color: var(--ink); }
[data-theme="obsidian"] .hero__h em { color: var(--ink); text-decoration: underline; text-decoration-color: var(--hot); text-decoration-thickness: 2px; text-underline-offset: 6px; }
[data-theme="obsidian"] .lenders .badge { color: #000; background: var(--ink); }
[data-theme="obsidian"] .quote__av { background: var(--ink); color: #000; }
[data-theme="obsidian"] .strip__track span:nth-child(even) { color: var(--ink); }
[data-theme="obsidian"] .pcard__glyph { color: var(--ink); }
[data-theme="obsidian"] .step__num { color: var(--ink); }
[data-theme="obsidian"] .pcard__cta { color: var(--ink); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}