:root{--black:#111111;--white:#FFFFFF;--off-white:#F5F5F2;--green:#A8FF3E;--charcoal:#2E2E2B;--border:#DDDDD8;--alert:#D63F2F;--alert-bright:#EB5341}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--white);color:var(--black);font-family:"Barlow",sans-serif;font-size:18px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.skip{position:absolute;top:-100px;left:0;background:var(--black);color:var(--white);padding:12px 20px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;z-index:1000;text-decoration:none}
.skip:focus{top:0}

/* ── NAV ── */
body > nav,.wp-site-blocks > nav{position:fixed;top:0;left:0;right:0;z-index:200;padding:14px 48px;display:flex;justify-content:space-between;align-items:center;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border);backdrop-filter:blur(8px)}
.nav-logo{display:inline-block;text-decoration:none}
.nav-logo img{height:40px;width:auto}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-item{position:relative}
.nav-link{font-size:13px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--charcoal);text-decoration:none;background:none;border:none;cursor:pointer;font-family:inherit;padding:8px 0;display:inline-flex;align-items:center;gap:4px;transition:color .2s}
.nav-link:hover{color:var(--black)}
.nav-link.current{color:var(--black);position:relative}
.nav-link.current::after{content:"";position:absolute;left:0;right:auto;bottom:-2px;height:2px;width:18px;background:var(--green)}
.nav-link .caret{font-size:9px;opacity:.6;transition:transform .2s}
.nav-item:hover .nav-link .caret,.nav-item:focus-within .nav-link .caret{transform:rotate(180deg)}
.nav-drop{position:absolute;top:100%;left:-16px;background:var(--white);border:1px solid var(--border);min-width:240px;padding:12px 0;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .15s,transform .15s,visibility .15s;box-shadow:0 8px 24px rgba(0,0,0,.08)}
.nav-item:hover .nav-drop,.nav-item:focus-within .nav-drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-drop a{display:block;padding:10px 24px;font-size:13px;font-weight:600;letter-spacing:.5px;color:var(--charcoal);text-decoration:none;transition:background .15s,color .15s}
.nav-drop a:hover{background:var(--off-white);color:var(--black)}
.nav-drop a.current{color:var(--black);background:var(--off-white)}
.nav-drop a.ext::after{content:" ↗︎";font-size:10px;opacity:.5;letter-spacing:0}
.nav-cta{background:var(--black);color:var(--white);padding:13px 28px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;transition:all .2s}
.nav-cta:hover{background:var(--green);color:var(--black)}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--charcoal)}
.nav-toggle svg{width:24px;height:24px}

/* Mobile menu */
.mobile-menu{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--white);z-index:300;padding:80px 32px 40px;overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-close{position:absolute;top:18px;right:24px;background:none;border:none;cursor:pointer;padding:8px;color:var(--charcoal)}
.mobile-close svg{width:28px;height:28px}
.mobile-group{margin-bottom:32px}
.mobile-group-title{font-family:"Barlow Condensed",sans-serif;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--charcoal);opacity:.6;margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.mobile-group a{display:block;padding:10px 0;font-size:17px;font-weight:600;color:var(--black);text-decoration:none}
.mobile-cta-wrap{margin-top:24px;padding-top:24px;border-top:2px solid var(--black)}
.mobile-cta{display:block;background:var(--black);color:var(--white);padding:18px 24px;text-align:center;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none}

/* ── BUTTONS ── */
.btn-p{background:var(--black);color:var(--white);padding:18px 48px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;border:none;cursor:pointer;font-family:inherit}
.btn-p:hover{background:var(--green);color:var(--black)}
.btn-s{border:2px solid var(--black);color:var(--black);padding:16px 36px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;background:transparent;cursor:pointer;font-family:inherit}
.btn-s:hover{background:var(--black);color:var(--white)}

/* Inverted buttons for black sections */
.btn-p-inv{background:var(--white);color:var(--black);padding:18px 48px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;border:none;cursor:pointer;font-family:inherit}
.btn-p-inv:hover{background:var(--green);color:var(--black)}
.btn-s-inv{border:2px solid var(--white);color:var(--white);padding:16px 36px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;background:transparent;cursor:pointer;font-family:inherit}
.btn-s-inv:hover{background:var(--white);color:var(--black)}

/* ── ACT 1: THE REVEAL (DARK) ── */
.act-dark{background:var(--black);color:var(--white);padding-top:88px;position:relative;overflow:hidden}
.act-dark::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent 0%,var(--alert) 30%,var(--alert) 70%,transparent 100%);opacity:.4}

/* ACT 1 HERO */
.act1-hero{padding:80px 56px 96px;max-width:1400px;margin:0 auto;position:relative}
.act1-meta{display:flex;align-items:center;gap:20px;margin-bottom:48px}
.act1-meta-num{font-family:"Bebas Neue",sans-serif;font-size:72px;line-height:.9;color:var(--alert-bright);letter-spacing:0}
.act1-meta-label{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:rgba(255,255,255,.5);max-width:200px;line-height:1.3}
.act1-hero h1{font-family:"Bebas Neue",sans-serif;font-size:clamp(56px,9.5vw,144px);line-height:.88;letter-spacing:0;color:var(--white);margin-bottom:40px;max-width:1100px}
.act1-hero h1 span{display:block}
.act1-hero h1 .strike{position:relative;display:inline-block;color:rgba(255,255,255,.45)}
.act1-hero h1 .strike::after{content:"";position:absolute;top:50%;left:-4px;right:-4px;height:0.16em;background:var(--alert);transform:translateY(-50%) rotate(-2deg);pointer-events:none}
.act1-hero h1 em{font-style:normal;color:var(--green)}
.act1-sub{font-size:22px;color:rgba(255,255,255,.8);line-height:1.55;max-width:680px;margin-bottom:52px;font-weight:500}
.act1-sub strong{color:var(--white);font-weight:700}
.act1-cta-row{display:flex;gap:16px;flex-wrap:wrap}

/* ACT 1 NUMBERS */
.act1-numbers{padding:80px 56px;max-width:1400px;margin:0 auto;border-top:1px solid #222}
.act1-eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--alert-bright);margin-bottom:20px;display:block}
.act1-h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(40px,6.5vw,84px);line-height:.92;color:var(--white);margin-bottom:24px;letter-spacing:0}
.act1-h2 em{font-style:normal;color:var(--alert-bright)}
.act1-h2-sub{font-size:18px;color:rgba(255,255,255,.7);line-height:1.6;max-width:600px;margin-bottom:56px}

.numbers-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#222;border:1px solid #222;margin-bottom:48px}
.number-cell{background:#1a1a1a;padding:36px 28px;position:relative;transition:background .2s}
.number-cell:hover{background:#222}
.number-val{font-family:"Bebas Neue",sans-serif;font-size:72px;line-height:1;color:var(--alert-bright);display:block;margin-bottom:10px;letter-spacing:0}
.number-lbl{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);margin-bottom:8px;display:block}
.number-desc{font-size:13px;color:rgba(255,255,255,.55);line-height:1.5}

.total-banner{background:var(--alert);color:var(--white);padding:36px 40px;margin-bottom:48px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:24px}
.total-banner-label{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:4px;text-transform:uppercase;display:block;margin-bottom:6px}
.total-banner-num{font-family:"Bebas Neue",sans-serif;font-size:72px;line-height:.9;letter-spacing:0}
.total-banner-side{font-size:14px;line-height:1.5;max-width:340px;text-align:right}

/* CALCULATOR */
.calc-wrap{margin-top:8px}
.calc-toggle{background:transparent;border:2px solid var(--white);color:var(--white);padding:18px 36px;font-family:"Barlow",sans-serif;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;cursor:pointer;display:inline-flex;align-items:center;gap:14px;transition:all .2s}
.calc-toggle:hover{background:var(--white);color:var(--black)}
.calc-toggle .arrow{transition:transform .25s;font-family:"Bebas Neue",sans-serif;font-size:18px;line-height:1}
.calc-toggle.open .arrow{transform:rotate(90deg)}

.calc-panel{margin-top:32px;background:#1a1a1a;border:1px solid #2a2a2a;padding:0;overflow:hidden;max-height:0;transition:max-height .4s ease,padding .4s ease}
.calc-panel.open{max-height:1400px;padding:48px 40px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.calc-inputs{display:flex;flex-direction:column;gap:22px}
.calc-input-group{display:flex;flex-direction:column;gap:6px}
.calc-input-group label{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.7)}
.calc-input-group .hint{font-size:12px;color:rgba(255,255,255,.4);font-style:italic;margin-top:2px}
.calc-input-group input{background:#0a0a0a;border:1px solid #333;color:var(--white);padding:14px 16px;font-family:"Barlow",sans-serif;font-size:18px;font-weight:600;width:100%;transition:border-color .2s}
.calc-input-group input:focus{outline:none;border-color:var(--green)}
.calc-input-group input::placeholder{color:rgba(255,255,255,.3)}

.calc-results{background:#0a0a0a;padding:32px 28px;border-left:4px solid var(--green)}
.calc-results-label{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:8px;display:block}
.calc-result-row{padding:22px 0;border-bottom:1px solid #1a1a1a}
.calc-result-row:last-child{border-bottom:none;padding-bottom:0}
.calc-result-row:first-child{padding-top:0}
.calc-result-period{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);display:block;margin-bottom:6px}
.calc-result-num{font-family:"Bebas Neue",sans-serif;font-size:56px;line-height:.95;color:var(--alert-bright);letter-spacing:0}
.calc-result-num.highlight{color:var(--green);font-size:72px}
.calc-result-context{font-size:12px;color:rgba(255,255,255,.5);margin-top:6px;line-height:1.5}

/* ACT 1 RED FLAGS */
.act1-flags{padding:80px 56px;max-width:1400px;margin:0 auto;border-top:1px solid #222}
.flags-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}
.flag-card{background:#1a1a1a;border:1px solid #2a2a2a;padding:32px 28px;position:relative;transition:transform .2s,border-color .2s}
.flag-card:hover{border-color:var(--alert);transform:translateY(-2px)}
.flag-tag{display:inline-flex;align-items:center;gap:8px;font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);background:var(--alert);padding:5px 10px;margin-bottom:18px}
.flag-tag::before{content:"⚑";font-size:13px}
.flag-name{font-family:"Bebas Neue",sans-serif;font-size:32px;line-height:1;color:var(--white);letter-spacing:0;margin-bottom:18px}
.flag-disclosure{background:#0a0a0a;border-left:3px solid var(--alert);padding:14px 18px;font-family:"JetBrains Mono",monospace;font-size:12px;line-height:1.6;color:rgba(255,255,255,.65);margin-bottom:18px;font-style:italic}
.flag-disclosure::before{content:"From the fee schedule:";display:block;font-family:"Barlow Condensed",sans-serif;font-style:normal;font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:6px}
.flag-translation{font-size:15px;line-height:1.6;color:var(--white)}
.flag-translation::before{content:"What it actually means: ";font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--green);display:block;margin-bottom:6px}

/* ACT 1 ANCHOR QUOTE */
.anchor-quote{padding:120px 56px;max-width:1400px;margin:0 auto;border-top:1px solid #222;text-align:center}
.anchor-quote-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:rgba(255,255,255,.7);margin-bottom:32px;display:block}
.anchor-quote blockquote{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,8vw,110px);line-height:.92;color:var(--white);letter-spacing:0;max-width:1200px;margin:0 auto}
.anchor-quote blockquote em{font-style:normal;background:var(--green);color:var(--black);padding:0 16px;display:inline-block;line-height:.95}
.anchor-quote-sub{font-family:"Barlow Condensed",sans-serif;font-size:clamp(16px,1.6vw,20px);font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.55);margin-top:40px}
.anchor-quote-sub strong{color:var(--green);font-weight:700;letter-spacing:3px}

/* ── ACT 2: THE BREAKUP (WHITE) ── */
.act-light{background:var(--white);color:var(--black);padding:96px 0 0}
.act2-intro{padding:0 56px 64px;max-width:1400px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:end}
.act-num::before{content:attr(data-n)}
.act2-intro-left .act-num{font-family:"Bebas Neue",sans-serif;font-size:120px;line-height:.85;color:var(--green);letter-spacing:0;margin-bottom:8px}
.act2-intro-left .act-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px;display:block}
.act2-intro-left h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,7vw,96px);line-height:.92;color:var(--black);letter-spacing:0}
.act2-intro-right p{font-size:19px;color:var(--charcoal);line-height:1.6;margin-bottom:20px}
.act2-intro-right p:last-child{margin-bottom:0}
.act2-intro-right strong{color:var(--black);font-weight:700}

/* STEPS */
.steps-section{padding:0 56px 80px;max-width:1400px;margin:0 auto}
.step-row{display:grid;grid-template-columns:80px 1fr 320px;gap:48px;padding:40px 0;border-bottom:1px solid var(--border);align-items:start}
.step-row:first-child{border-top:1px solid var(--border)}
.step-row:hover .step-num{background:var(--green)}
.step-num{font-family:"Bebas Neue",sans-serif;font-size:64px;line-height:.85;color:var(--black);background:var(--off-white);width:72px;height:72px;display:flex;align-items:center;justify-content:center;letter-spacing:0;transition:background .2s}
.step-content h3{font-family:"Bebas Neue",sans-serif;font-size:36px;line-height:1;color:var(--black);letter-spacing:0;margin-bottom:14px}
.step-action{font-size:17px;color:var(--charcoal);line-height:1.6;margin-bottom:14px}
.step-action strong{color:var(--black);font-weight:700}
.step-gotcha{font-size:14px;color:var(--charcoal);background:var(--off-white);padding:14px 18px;border-left:3px solid var(--alert);line-height:1.5}
.step-gotcha::before{content:"Heads up: ";font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--alert);margin-right:4px}
.step-tool{background:var(--off-white);padding:24px 22px;border-top:3px solid var(--black)}
.step-tool-label{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--charcoal);margin-bottom:10px;display:block}
.step-tool-name{font-family:"Bebas Neue",sans-serif;font-size:22px;line-height:1.05;color:var(--black);letter-spacing:0;margin-bottom:14px}
.step-tool a{display:inline-flex;align-items:center;gap:8px;font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--black);text-decoration:none;border-bottom:2px solid var(--green);padding-bottom:3px;transition:color .2s}
.step-tool a:hover{color:var(--charcoal)}
.step-tool a .dl-icon{font-size:14px}

/* FORGET CHECKLIST */
.forget-section{padding:80px 56px;max-width:1400px;margin:0 auto;background:var(--off-white);margin-left:0;margin-right:0;max-width:none}
.forget-inner{max-width:1400px;margin:0 auto;padding:0 56px}
.forget-section{padding-left:0;padding-right:0;max-width:none}
.forget-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:#B8321F;margin-bottom:16px;display:block}
.forget-h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(40px,5vw,72px);line-height:.95;color:var(--black);letter-spacing:0;margin-bottom:18px}
.forget-h2 em{font-style:normal;background:var(--green);padding:0 12px;display:inline-block}
.forget-sub{font-size:18px;color:var(--charcoal);line-height:1.6;max-width:640px;margin-bottom:48px}
.forget-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border);border:1px solid var(--border)}
.forget-item{background:var(--white);padding:20px 22px;display:flex;align-items:flex-start;gap:14px;cursor:pointer;transition:background .15s;user-select:none}
.forget-item:hover{background:#fafaf7}
.forget-checkbox{flex-shrink:0;width:22px;height:22px;border:2px solid var(--black);background:var(--white);display:flex;align-items:center;justify-content:center;font-family:"Bebas Neue",sans-serif;font-size:16px;color:var(--black);margin-top:2px;transition:all .15s}
.forget-item.checked .forget-checkbox{background:var(--green);border-color:var(--black)}
.forget-item.checked .forget-checkbox::before{content:"✓";font-weight:700}
.forget-item.checked .forget-label{text-decoration:line-through;color:var(--charcoal);opacity:.55}
.forget-label{font-size:15px;line-height:1.45;color:var(--black);font-weight:500;transition:opacity .15s}

/* TIMING CALENDAR */
.timing-section{padding:80px 56px;max-width:1400px;margin:0 auto}
.timing-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px;display:block}
.timing-h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(40px,5vw,72px);line-height:.95;color:var(--black);letter-spacing:0;margin-bottom:18px}
.timing-h2 em{font-style:normal;color:var(--green)}
.timing-sub{font-size:17px;color:var(--charcoal);line-height:1.6;max-width:640px;margin-bottom:48px}
.timing-track{position:relative;padding-left:40px}
.timing-track::before{content:"";position:absolute;left:14px;top:8px;bottom:8px;width:2px;background:var(--border)}
.timing-day{position:relative;padding:14px 0 28px;display:grid;grid-template-columns:120px 1fr;gap:32px;align-items:start}
.timing-day::before{content:"";position:absolute;left:-32px;top:18px;width:14px;height:14px;background:var(--black);border-radius:50%}
.timing-day.key::before{background:var(--green);box-shadow:0 0 0 4px rgba(168,255,62,.25)}
.timing-day-num{font-family:"Bebas Neue",sans-serif;font-size:36px;line-height:.9;color:var(--black);letter-spacing:0}
.timing-day-num span{display:block;font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;color:var(--charcoal);text-transform:uppercase;margin-top:4px}
.timing-day-action{font-size:16px;color:var(--charcoal);line-height:1.55}
.timing-day-action strong{color:var(--black);font-weight:700;display:block;font-size:17px;margin-bottom:4px}

/* ── ACT 3: THE MOVEMENT (WHITE + GREEN) ── */
.act3-section{padding:96px 56px;max-width:1400px;margin:0 auto;border-top:1px solid var(--border)}
.act3-intro{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:end;margin-bottom:80px}
.act3-intro-left .act-num{font-family:"Bebas Neue",sans-serif;font-size:120px;line-height:.85;color:var(--green);letter-spacing:0;margin-bottom:8px}
.act3-intro-left .act-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px;display:block}
.act3-intro-left h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,7vw,96px);line-height:.92;color:var(--black);letter-spacing:0}
.act3-intro-left h2 em{font-style:normal;background:var(--green);padding:0 14px;display:inline-block}
.act3-intro-right p{font-size:19px;color:var(--charcoal);line-height:1.6;margin-bottom:20px}
.act3-intro-right p:last-child{margin-bottom:0}

/* CONTRAST BLOCK */
.contrast-block{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--border);border:1px solid var(--border);margin-bottom:80px}
.contrast-col{background:var(--white);padding:48px 40px}
.contrast-col.them{background:#1a1a1a;color:var(--white)}
.contrast-col.us{background:var(--white)}
.contrast-label{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;margin-bottom:8px;display:block}
.contrast-col.them .contrast-label{color:var(--alert-bright)}
.contrast-col.us .contrast-label{color:var(--charcoal)}
.contrast-name{font-family:"Bebas Neue",sans-serif;font-size:64px;line-height:.92;letter-spacing:0;margin-bottom:32px}
.contrast-col.them .contrast-name{color:var(--white)}
.contrast-col.us .contrast-name{color:var(--black)}
.contrast-list{display:flex;flex-direction:column;gap:0}
.contrast-row{display:flex;justify-content:space-between;align-items:center;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:15px}
.contrast-col.us .contrast-row{border-bottom-color:var(--border)}
.contrast-row:last-child{border-bottom:none}
.contrast-row-label{font-weight:500;opacity:.85}
.contrast-row-val{font-family:"Barlow Condensed",sans-serif;font-size:22px;font-weight:700;letter-spacing:0;padding:2px 12px;display:inline-block;min-width:80px;text-align:center}
.contrast-col.them .contrast-row-val{color:var(--white);background:var(--alert)}
.contrast-col.them .contrast-row-val.text{background:transparent;padding:2px 0;color:var(--alert-bright);min-width:0;text-align:right}
.contrast-col.us .contrast-row-val{color:var(--black);background:var(--green)}
.contrast-col.us .contrast-row-val.text{background:transparent;padding:2px 0;color:var(--black);min-width:0;text-align:right}

/* MANIFESTO BLOCK */
.manifesto{background:var(--black);color:var(--white);padding:96px 56px;margin:0 -56px 80px;text-align:center;position:relative}
.manifesto-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--green);margin-bottom:24px;display:block}
.manifesto h3{font-family:"Bebas Neue",sans-serif;font-size:clamp(36px,5vw,64px);line-height:1;color:var(--white);letter-spacing:0;margin-bottom:48px;max-width:900px;margin-left:auto;margin-right:auto}
.manifesto h3 em{font-style:normal;color:var(--green)}
.manifesto-lines{display:flex;flex-direction:column;gap:1px;max-width:880px;margin:0 auto 48px;background:#222}
.manifesto-line{background:#1a1a1a;padding:24px 32px;font-family:"Bebas Neue",sans-serif;font-size:clamp(20px,2.8vw,32px);line-height:1.15;color:var(--white);letter-spacing:.5px;text-align:left}
.manifesto-line .ref{color:var(--alert-bright);display:block;font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin-bottom:6px}
.manifesto-tag{display:inline-block;font-family:"Bebas Neue",sans-serif;font-size:clamp(28px,4vw,44px);background:var(--green);color:var(--black);padding:4px 18px;letter-spacing:0;line-height:1}
.manifesto-count{margin-top:32px;font-size:15px;color:rgba(255,255,255,.6);line-height:1.5}
.manifesto-count strong{color:var(--white);font-weight:700}

/* FINAL CTA */
.final-cta{padding:80px 56px;max-width:1400px;margin:0 auto;text-align:center}
.final-cta-eye{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:5px;text-transform:uppercase;color:var(--charcoal);margin-bottom:20px;display:block}
.final-cta h3{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,8vw,120px);line-height:.92;color:var(--black);letter-spacing:0;margin-bottom:24px}
.final-cta h3 em{font-style:normal;background:var(--green);padding:0 14px;display:inline-block}
.final-cta-sub{font-size:22px;color:var(--charcoal);line-height:1.5;margin-bottom:40px;font-weight:500;max-width:680px;margin-left:auto;margin-right:auto}
.final-cta-sub strong{color:var(--black);font-weight:700;background:var(--green);padding:2px 10px}
.final-actions{display:flex;gap:16px;justify-content:center;align-items:center;flex-wrap:wrap;margin-bottom:32px}
.final-phone{font-size:14px;color:var(--charcoal)}
.final-phone a{color:var(--black);font-weight:700;text-decoration:none;border-bottom:2px solid var(--green)}
.final-fine{font-size:13px;color:var(--charcoal);max-width:560px;margin:24px auto 0;line-height:1.6;opacity:.85}

/* ── TRUST STRIP ── */
.trust-strip{background:var(--black);color:var(--white);padding:18px 28px;display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:.4rem 2rem}
.trust-item{display:flex;align-items:center;gap:8px;font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white)}
.trust-dot{width:5px;height:5px;border-radius:50%;background:var(--green);flex-shrink:0}

/* ── FOOTER ── */
footer{background:var(--black);color:var(--white);padding:64px 48px 32px}
.ft-grid{max-width:1400px;margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.ft-brand .ft-logo img{height:36px;width:auto;filter:brightness(0) invert(1);margin-bottom:20px}
.ft-tag{font-family:"Bebas Neue",sans-serif;font-size:22px;line-height:1;color:var(--green);letter-spacing:0;margin-bottom:20px}
.ft-addr{font-size:13px;color:rgba(255,255,255,.7);line-height:1.7}
.ft-addr a{color:var(--white);text-decoration:none}
.ft-col-title{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px}
.ft-col ul{list-style:none}
.ft-col li{margin-bottom:8px}
.ft-col a{color:var(--white);text-decoration:none;font-size:14px;transition:color .15s}
.ft-col a:hover{color:var(--green)}
.ft-bottom{max-width:1400px;margin:0 auto;border-top:1px solid #222;padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.ft-cert{display:flex;flex-wrap:wrap;gap:.4rem 1.2rem}
.ft-cert span{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.6);display:inline-flex;align-items:center;gap:6px}
.ft-cert .dot{width:4px;height:4px;border-radius:50%;background:var(--green);display:inline-block}
.ft-social{display:flex;gap:12px}
.ft-social a{color:rgba(255,255,255,.6);width:28px;height:28px;display:flex;align-items:center;justify-content:center;transition:color .15s}
.ft-social a:hover{color:var(--green)}
.ft-social svg{width:18px;height:18px}
.ft-legal{max-width:1400px;margin:24px auto 0;font-size:12px;color:#888;line-height:1.7}

/* ── REVEAL ANIMATION ── */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:translateY(0)}

/* ── MOBILE ── */
@media (max-width:960px){
  body > nav,.wp-site-blocks > nav{padding:14px 24px}
  .nav-links{display:none}
  .nav-toggle{display:flex;align-items:center;justify-content:center}
  
  .act1-hero{padding:48px 24px 64px}
  .act1-meta-num{font-size:48px}
  .act1-hero h1{font-size:clamp(44px,12vw,72px)}
  .act1-sub{font-size:18px}
  .act1-numbers{padding:56px 24px}
  .act1-flags{padding:56px 24px}
  .anchor-quote{padding:80px 24px}
  
  .numbers-grid{grid-template-columns:1fr 1fr}
  .number-val{font-size:48px}
  .total-banner{flex-direction:column;text-align:center}
  .total-banner-side{text-align:center;max-width:none}
  .total-banner-num{font-size:56px}
  
  .calc-panel.open{padding:32px 24px}
  .calc-grid{grid-template-columns:1fr;gap:24px}
  .calc-result-num{font-size:44px}
  .calc-result-num.highlight{font-size:56px}
  
  .flags-grid{grid-template-columns:1fr}
  
  .act-light{padding-top:64px}
  .act2-intro,.act3-intro{grid-template-columns:1fr;gap:24px;padding:0 24px 48px}
  .act2-intro-left .act-num,.act3-intro-left .act-num{font-size:80px}
  
  .steps-section{padding:0 24px 64px}
  .step-row{grid-template-columns:1fr;gap:20px}
  .step-num{width:60px;height:60px;font-size:48px}
  
  .forget-grid{grid-template-columns:1fr}
  .forget-inner{padding:0 24px}
  .timing-section{padding:64px 24px}
  
  .timing-day{grid-template-columns:1fr;gap:8px}
  .timing-day-num{font-size:28px}
  
  .act3-section{padding:64px 24px}
  
  .contrast-block{grid-template-columns:1fr}
  .contrast-col{padding:32px 24px}
  .contrast-name{font-size:44px}
  
  .manifesto{margin:0 -24px 48px;padding:64px 24px}
  .manifesto h3{font-size:32px}
  .manifesto-line{font-size:20px;padding:18px 22px}
  
  .final-cta{padding:64px 24px}
  .final-cta h3{font-size:clamp(44px,11vw,72px)}
  .final-cta-sub{font-size:18px}
  
  .ft-grid{grid-template-columns:1fr 1fr;gap:32px;padding:0 24px}
  .ft-brand{grid-column:1/-1}
  .ft-bottom{flex-direction:column;align-items:flex-start;padding:24px}
  footer{padding:48px 0 24px}
  .ft-legal{padding:0 24px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:0s !important;transition-duration:0s !important}
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none}
}

/* ── MOBILE PORTRAIT (Webflow tier ≤478) ── */
@media(max-width:478px){

  nav,body > nav,.wp-site-blocks > nav{padding:12px 16px}
  .nav-logo img{height:32px}
  .mobile-menu{padding:72px 20px 32px}
  .mobile-group a{font-size:16px}
  .hero h1{font-size:clamp(38px,12.5vw,54px)}
  .hero-sub{font-size:16px}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn-p,.hero-actions .btn-s{width:100%;text-align:center;padding-left:24px;padding-right:24px}
  .hero-fine{font-size:12px}
  .stat{padding:22px 16px}
  .stat-num{font-size:40px}
  .stat-lbl{font-size:14px}
  .stat-desc{font-size:13px}
  .eyebrow{font-size:12px;letter-spacing:3px}
  .section-title{font-size:clamp(30px,9.5vw,44px)}
  .section-body{font-size:15px}
  .btn-p{padding:16px 28px;font-size:13px}
  .btn-s{padding:14px 24px;font-size:13px}
  .mq-item{font-size:15px;letter-spacing:2px;padding:0 22px}
  .trust{padding:14px 16px;gap:.25rem .8rem}
  .ti-item{font-size:10px;letter-spacing:1.5px}
  .final h2{font-size:clamp(40px,13vw,60px)}
  .final p{font-size:16px}
  .final-actions .btn-p,.final-actions .btn-s{width:100%}
  .faq-item{padding:22px 18px}
  .faq-q{font-size:18px}
  .inc{padding:26px 20px}
  .person-card{padding:26px 20px}
  .acct-card-header,.holiday-card-header,.prod-card-header,.card-tier-header{padding:18px 16px}
  .acct-card-name,.holiday-card-name{font-size:24px}
  .acct-tagline{padding-left:16px;padding-right:16px}
  .acct-row,.cdfi-row,.gov-row,.rt-row,.rt-head{padding-left:16px;padding-right:16px}
  .qa-row{padding:22px 18px}
  .rate-table th,.rate-table td{padding:12px 10px;font-size:13px}
  .rate-note{padding:12px 12px 16px}
  .dl-list a{padding:14px 14px;font-size:14px}
  .disc{padding:16px 18px}
  .split-dark h2,.holiday-dark h2,.rebrand-dark h2{font-size:clamp(36px,12vw,52px)}
  footer{padding:36px 20px 24px}
  .ft-grid{gap:24px;margin-bottom:32px;padding-bottom:32px}
  .ft-cert{gap:10px 16px}
  .ft-legal{font-size:11px}
  .ft-legal-row{gap:20px}
  .ft-compliance{flex-direction:column;align-items:flex-start;gap:16px}
  main section > div,main section > div > div{min-width:0}
}