:root {
  --bg: #0d0d0d;
  --bg-2: #1a1a1a;
  --fg: #f5f0e6;
  --fg-muted: #aaa;
  --fg-dim: #888;
  --accent: #ff4d1a;
  --cream: #f5f0e6;
  --cream-deep: #e8e2d4;
  --ink: #0d0d0d;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  --font-serif: 'EB Garamond', Georgia, serif;
  --font-mono: 'JetBrains Mono', ui-monospace, 'SF Mono', Menlo, monospace;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  font-family: var(--font-sans);
  font-weight: 400;
  background: var(--bg);
  color: var(--fg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: inherit; text-decoration: none; cursor: pointer; }
button { font-family: inherit; cursor: pointer; }

.page { max-width: 1280px; margin: 0 auto; background: var(--bg); }

.rate-loading { color: var(--fg-dim); }

/* Navigation bar */
.nav {
  padding: 18px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 0.5px solid rgba(245,240,230,0.1);
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 100;
  margin: 0 80px;
}
@media (max-width: 1180px) {
  .nav { margin: 0 40px; }
}
@media (max-width: 900px) {
  .nav { margin: 0; }
}
.nav-logo {
  font-size: 20px;
  font-weight: 500;
  letter-spacing: -0.5px;
  color: var(--accent);
}
.nav-logo .slash { color: var(--fg); }
.nav-logo .est { font-size: 11px; color: var(--fg-dim); letter-spacing: 2px; }
.nav-links {
  display: flex;
  gap: 24px;
  font-size: 12px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.nav-links a {
  transition: color 0.15s ease;
  position: relative;
}
.nav-links a:hover { color: var(--accent); }
.nav-links a.active { color: var(--accent); }
.nav-links a.active::after {
  content: '';
  position: absolute;
  left: 0; right: 0;
  bottom: -22px;
  height: 2px;
  background: var(--accent);
}
.nav-cta {
  background: var(--accent);
  color: var(--ink);
  padding: 11px 20px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  transition: opacity 0.15s ease;
}
.nav-cta:hover { opacity: 0.85; }

/* Hero structure */
.hero-tag {
  font-size: 12px;
  letter-spacing: 2px;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 16px;
}
.hero-h {
  font-weight: 500;
  letter-spacing: -5px;
  line-height: 0.85;
}
.hero-h .italic {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--accent);
}

/* Marquee */
.marquee {
  background: var(--accent);
  color: var(--ink);
  padding: 14px 0;
  overflow: hidden;
  white-space: nowrap;
  border-top: 1px solid var(--cream);
  border-bottom: 1px solid var(--cream);
  margin: 0 80px;
}
@media (max-width: 1180px) {
  .marquee { margin: 0 40px; }
}
@media (max-width: 900px) {
  .marquee { margin: 0; }
}
.marquee-inner {
  font-size: 16px;
  font-weight: 500;
  letter-spacing: -0.3px;
  display: inline-block;
  padding-left: 32px;
  animation: scroll-marquee 60s linear infinite;
}
@keyframes scroll-marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* Section labels */
.step-num {
  font-size: 11px;
  letter-spacing: 1.5px;
  color: var(--accent);
  text-transform: uppercase;
}

/* Section headlines */
.section-h {
  font-weight: 500;
  letter-spacing: -1.8px;
  line-height: 0.95;
}
.section-h .italic {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--fg-dim);
}
.section-h-on-dark .italic { color: var(--fg-dim); }

/* Buttons */
.btn {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  white-space: nowrap;
  display: inline-block;
  transition: opacity 0.15s ease, transform 0.05s ease;
  border: none;
}
.btn:active { transform: scale(0.98); }
.btn:hover { opacity: 0.85; }
.btn-primary { background: var(--accent); color: var(--ink); padding: 18px 32px; }
.btn-dark { background: var(--ink); color: var(--cream); padding: 18px 32px; }
.btn-outline { border: 1px solid var(--fg); color: var(--fg); padding: 17px 32px; background: transparent; }
.btn-outline-dark { border: 1px solid var(--ink); color: var(--ink); padding: 17px 32px; background: transparent; }
.btn-sm { padding: 11px 20px; font-size: 12px; }

/* Form elements */
.field-label {
  font-size: 11px;
  letter-spacing: 1.5px;
  color: var(--fg-dim);
  text-transform: uppercase;
}
.field-input {
  background: #fff;
  border: 1px solid var(--ink);
  padding: 12px 14px;
  font-size: 14px;
  font-family: var(--font-sans);
  color: var(--ink);
  width: 100%;
  outline: none;
  transition: border-color 0.15s ease;
}
.field-input:focus { border-color: var(--accent); }
.chip {
  background: #fff;
  border: 1px solid var(--ink);
  padding: 10px 14px;
  font-size: 13px;
  color: var(--ink);
  cursor: pointer;
  user-select: none;
  white-space: nowrap;
  transition: all 0.15s ease;
}
.chip:hover { border-color: var(--accent); }
.chip.selected {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--ink);
  font-weight: 500;
}

/* Footer */
.footer {
  background: var(--bg);
  padding: 32px;
  display: flex;
  justify-content: space-between;
  align-items: end;
  border-top: 0.5px solid rgba(245,240,230,0.1);
  margin: 0 80px;
}
@media (max-width: 1180px) {
  .footer { margin: 0 40px; }
}
@media (max-width: 900px) {
  .footer { margin: 0; }
}
.footer-meta {
  font-size: 11px;
  color: var(--fg-dim);
  line-height: 1.7;
  letter-spacing: 0.5px;
}
.footer-links {
  display: flex;
  gap: 28px;
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--fg-dim);
}
.footer-links a:hover { color: var(--accent); }

/* Closing CTA pattern */
.cta-band {
  background: var(--accent);
  color: var(--ink);
  padding: 56px 32px;
  margin: 0 80px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
}
@media (max-width: 1180px) {
  .cta-band { margin: 0 40px; }
}
@media (max-width: 900px) {
  .cta-band { margin: 0; }
}
.cta-band-tag {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
  font-weight: 500;
}
.cta-band-h {
  font-size: 48px;
  line-height: 0.95;
  font-weight: 500;
  letter-spacing: -1.8px;
}
.cta-band-h .italic {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
}
.cta-band-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex-shrink: 0;
}

/* Rates badge */
.rates-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,77,26,0.08);
  border: 0.5px solid rgba(255,77,26,0.4);
  padding: 8px 14px;
  font-size: 11px;
  color: var(--fg-muted);
  letter-spacing: 0.5px;
}
.rates-badge.on-light { color: #444; }
.rates-badge .ti { font-size: 14px; color: var(--accent); }
.rates-badge code { color: var(--accent); font-family: var(--font-mono); }

/* Cards */
.card { padding: 28px; }
.card-dark { background: var(--ink); color: var(--cream); }
.card-light { background: #fff; border: 1px solid var(--ink); color: var(--ink); }
.card-cream { background: var(--cream); border: 1px solid var(--ink); color: var(--ink); }
.card-accent { background: var(--accent); color: var(--ink); }

/* Narrow sections — colored sections sit inside the page with visible page-bg margins on the sides */
.section-narrow { margin: 0 80px; }
@media (max-width: 1180px) {
  .section-narrow { margin: 0 40px; }
}
@media (max-width: 900px) {
  .section-narrow { margin: 0; }
}

/* Tabler icons via font face — using CDN */
@import url('https://cdn.jsdelivr.net/npm/@tabler/icons-webfont@2.44.0/tabler-icons.min.css');

/* Responsive — tighten paddings on smaller viewports */
@media (max-width: 900px) {
  .hero-h { font-size: 64px !important; letter-spacing: -3px !important; }
  .section-h { font-size: 36px !important; }
  .nav-links { display: none; }
}