/* LATITUDE DESIGN SYSTEM v1.0  (shared by both Interest Free pages)
   Voice: Latitude house voice. Sentence case. "Interest Free" is a capitalised product name.
   Card module (Gem + GO), legal wall with superscript footnotes, storefront, demo layer. */
@font-face{font-family:'Latitude Sans';src:url('assets/fonts/LatitudeSans-Regular.otf') format('opentype');font-weight:400}
@font-face{font-family:'Latitude Sans';src:url('assets/fonts/LatitudeSans-Medium.otf') format('opentype');font-weight:500}
@font-face{font-family:'Latitude Sans';src:url('assets/fonts/LatitudeSans-SemiBold.otf') format('opentype');font-weight:600}
@font-face{font-family:'Latitude Sans';src:url('assets/fonts/LatitudeSans-Bold.otf') format('opentype');font-weight:700}
:root{
  --navy1:#041890; --navy2:#2456C8; --blue:#4282F0; --cyan:#45BEFF; --cyanlt:#8AD6FF;
  --ink:#0D2440; --ink2:#43566F; --ink3:#8a98ad; --paper:#fff; --mist:#EFF4FC; --line:#D7E2F2;
  --good:#1FA971; --gold:#F6CA44; --warn:#E8633A;
  --r-sm:8px; --r-md:14px; --r-lg:20px; --r-pill:999px;
  --shadow:0 10px 30px rgba(8,24,64,.10); --shadow-lg:0 18px 44px rgba(8,24,64,.18);
  --wrap:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Latitude Sans',Arial,sans-serif;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;line-height:1.5}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
.section{padding:54px 0;scroll-margin-top:120px}
.section.tint{background:var(--mist);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
[id]{scroll-margin-top:120px}
.shead{max-width:58ch}
.shead .kick{font-size:13px;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--blue)}
.shead h2{font-size:32px;font-weight:700;letter-spacing:-.01em;margin-top:10px}
.shead p{font-size:17px;color:var(--ink2);margin-top:10px}
sup{font-size:.62em;font-weight:700;color:var(--blue);vertical-align:super;line-height:0}
body.persona-cold .member-only{display:none}
body.persona-member .cold-only{display:none}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:inherit;font-weight:700;font-size:15px;padding:12px 22px;border-radius:var(--r-pill);border:0;cursor:pointer;transition:.15s;text-align:center}
.btn-primary{background:var(--navy1);color:#fff}.btn-primary:hover{background:#06208f}
.btn-go{background:var(--good);color:#fff}
.btn-ghost{background:transparent;border:1.5px solid currentColor}
.btn-white{background:#fff;color:var(--navy1)}
.link{font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:9px;font-weight:700;font-size:22px;color:var(--navy1);letter-spacing:-.01em}
.brand .mk{width:32px;height:32px;border-radius:8px;background:linear-gradient(150deg,var(--navy1),var(--blue));color:#fff;display:grid;place-items:center;font-size:18px}
.brand .brandlogo{height:30px;width:auto;display:block}
.foot .brand .brandlogo{height:26px}
.nav nav{display:flex;gap:26px;font-size:15px;font-weight:500;color:var(--ink2)}
.nav nav a:hover{color:var(--navy1)}
.nav .right{display:flex;gap:10px;align-items:center}
@media(max-width:1100px){.nav nav{gap:18px}.nav .right .ghostnav{display:none}}
@media(max-width:860px){.nav nav,.nav .right .ghostnav{display:none}}
/* in-page jump bar (breadcrumb nav for the standalone IF page) */
.subnav{position:sticky;top:67px;z-index:45;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 6px 14px rgba(8,24,64,.04)}
.subnav .wrap{display:flex;gap:2px;overflow-x:auto;padding:0 28px;scrollbar-width:none}
.subnav .wrap::-webkit-scrollbar{height:0}
.subnav a{white-space:nowrap;font-size:13.5px;font-weight:600;color:var(--ink2);padding:13px 14px;border-bottom:2px solid transparent;transition:.14s}
.subnav a:hover{color:var(--navy1);border-bottom-color:var(--blue)}
.subnav a.ext{color:var(--blue)}
.midcta{margin-top:28px}
/* hero carousel */
.hero{background:linear-gradient(135deg,var(--navy1) 0%,var(--navy2) 68%,var(--blue) 120%);position:relative;overflow:hidden}
.slide{display:none;padding:46px 0 30px}
.slide.on{display:block}
.slide .row{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.slide .eyebrow{color:var(--cyanlt);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}
.slide h1{color:#fff;font-size:42px;line-height:1.04;font-weight:800;letter-spacing:-.015em;margin:12px 0 12px;max-width:16ch}
.slide .sub{color:#D7E4FB;font-size:16px;max-width:46ch}
.slide .row2{display:flex;align-items:center;gap:12px;margin-top:18px;flex-wrap:wrap}
.slide .logochip{display:inline-flex;background:#fff;border-radius:10px;padding:9px 14px;height:46px;align-items:center}
.slide .logochip img{max-height:26px;width:auto}
.slide .logochip .txt{font-weight:700;color:var(--navy1);font-size:16px;letter-spacing:-.01em}
.slide .ends{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;font-size:12.5px;font-weight:700;padding:8px 12px;border-radius:var(--r-pill)}
.slide .ends:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold)}
.slide .btns{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}
.slide .btns .btn-ghost{color:#fff}
.shot{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:16/11;background:rgba(255,255,255,.1)}
.shot img{width:100%;height:100%;object-fit:cover}
.shot .ifbadge{position:absolute;top:16px;right:16px;background:#fff;color:var(--navy1);font-weight:800;font-size:15px;line-height:1.05;text-align:center;padding:10px 13px;border-radius:12px;box-shadow:var(--shadow)}
.shot .ifbadge small{display:block;font-size:10px;font-weight:600;color:var(--ink2);text-transform:uppercase;letter-spacing:.06em}
.shot .bonus{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(transparent,rgba(4,24,64,.85));color:#fff;font-weight:700;font-size:14px;padding:26px 16px 14px}
.hnav{position:absolute;top:50%;transform:translateY(-50%);width:46px;height:46px;border-radius:50%;border:0;background:rgba(255,255,255,.92);color:var(--navy1);font-size:22px;cursor:pointer;z-index:5;display:grid;place-items:center;box-shadow:var(--shadow)}
.hnav.prev{left:14px}.hnav.next{right:14px}
.dots{display:flex;gap:7px;justify-content:center;padding:6px 0 22px}
.dots button{width:8px;height:8px;border-radius:50%;border:0;background:rgba(255,255,255,.45);cursor:pointer;padding:0}
.dots button.on{background:#fff;width:22px;border-radius:5px}
/* orientation + member welcome + reassurance */
.orient{background:var(--ink);color:#fff}
.orient .wrap{display:flex;align-items:center;gap:14px;flex-wrap:wrap;padding:15px 28px;font-size:15px}
.orient .lead{font-weight:700;color:var(--cyanlt);text-transform:uppercase;letter-spacing:.1em;font-size:12px}
.orient .ostep{display:inline-flex;align-items:center;gap:9px;font-weight:600}
.orient .ostep b{width:22px;height:22px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-size:12px;font-weight:700}
.orient .oar{color:var(--ink3)}
.memberwelcome{background:var(--mist);border-bottom:1px solid var(--line)}
.memberwelcome .wrap{padding:14px 28px;font-size:15px;font-weight:600;color:var(--navy1)}
.reassure{background:var(--mist);border-bottom:1px solid var(--line)}
.reassure .wrap{display:flex;flex-wrap:wrap;gap:10px 30px;padding:14px 28px;font-size:14.5px;font-weight:600;color:var(--navy1)}
.reassure b:before{content:"\2713";color:var(--good);font-weight:800;margin-right:8px}
/* offers rail */
/* "Unmissable EOFY deals" featured offer cards (mirrors the live find-an-offer tiles).
   The tile image is the live composite (badge + bonus + brand bar baked in), so the
   card adds only the headline + Shop now + a Terms expander below it. */
.offersband .seeall{display:flex;width:max-content;margin:14px 0 0}
.rail{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:26px}
.ocard{border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;background:#fff;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.ocard .pic{aspect-ratio:1/1;overflow:hidden;background:var(--mist)}
.ocard .pic img{width:100%;height:100%;object-fit:cover;display:block}
.ocard .ob{padding:16px;display:flex;flex-direction:column;flex:1}
.ocard h4{font-size:16px;font-weight:700;line-height:1.3;color:var(--navy1)}
.ocard .ofoot{margin-top:auto;padding-top:14px;display:flex;justify-content:space-between;align-items:center}
.ocard .shopl{font-size:14px;font-weight:700;color:var(--blue)}
.ocard .terms{font-size:12px;color:var(--ink3);cursor:pointer;text-decoration:underline;text-underline-offset:2px}
.ocard .otermsbox{display:none;font-size:11.5px;color:var(--ink2);line-height:1.6;border-top:1px solid var(--line);margin-top:13px;padding-top:11px}
.ocard.open .otermsbox{display:block}
.planstcs{margin-top:22px;font-size:12px;color:var(--ink3);line-height:1.6;max-width:80ch}
@media(max-width:1100px){.rail{grid-template-columns:repeat(3,1fr)}}
@media(max-width:780px){.rail{grid-template-columns:repeat(2,1fr);gap:14px}}
@media(max-width:520px){.rail{grid-template-columns:1fr}}
/* category tiles */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:26px}
.tile{position:relative;border-radius:var(--r-md);overflow:hidden;aspect-ratio:16/10;box-shadow:var(--shadow);cursor:pointer;transition:.16s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.tile img{width:100%;height:100%;object-fit:cover}
.tile .cap{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(transparent,rgba(4,24,64,.82));color:#fff;font-weight:700;font-size:15.5px;padding:30px 14px 13px}
@media(max-width:860px){.tiles{grid-template-columns:repeat(2,1fr)}}
/* chips */
.chips{display:flex;gap:9px;flex-wrap:wrap;margin:24px 0 16px}
.chip{font-family:inherit;border:1px solid var(--line);background:#fff;color:var(--ink2);font-size:13.5px;font-weight:600;padding:9px 15px;border-radius:var(--r-pill);cursor:pointer;transition:.14s}
.chip:hover{border-color:#bcd0ee}
.chip.on{background:var(--navy1);color:#fff;border-color:var(--navy1)}
.chip.live.on{background:var(--warn);border-color:var(--warn)}
/* store directory */
.search{position:relative;max-width:340px;margin-bottom:18px}
.search input{width:100%;font-family:inherit;font-size:15px;padding:12px 14px 12px 40px;border:1px solid var(--line);border-radius:var(--r-sm);background:#fff}
.search input:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.search .m{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink3)}
.filterbar{display:none;align-items:center;gap:10px;font-size:14px;color:var(--ink2);margin-bottom:16px}
.filterbar.on{display:flex}
.filterbar .pill{background:var(--navy1);color:#fff;border-radius:var(--r-pill);padding:5px 11px 5px 13px;font-weight:600;display:inline-flex;gap:8px;align-items:center}
.filterbar .pill b{cursor:pointer}
.sgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;align-items:start}
@media(max-width:980px){.sgrid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:680px){.sgrid{grid-template-columns:repeat(2,minmax(0,1fr))}.scard{padding:14px}.scard .logo img{max-width:100%}}
.scard{border:1px solid var(--line);border-radius:var(--r-md);background:#fff;padding:18px;cursor:pointer;transition:.16s;display:flex;flex-direction:column}
.scard:hover{box-shadow:var(--shadow);border-color:#bcd0ee}
.scard.soon{border-color:#f3d27a;box-shadow:0 0 0 1px #f3d27a inset}
.scard .logo{height:34px;display:flex;align-items:center}
.scard .logo img{max-height:30px;max-width:130px;width:auto}
.scard .logo .txt{font-weight:700;font-size:16px;color:var(--navy1)}
.scard .term{margin-top:14px;font-size:23px;font-weight:800;color:var(--navy1);line-height:1}
.scard .term small{display:block;font-size:13px;font-weight:600;color:var(--ink2);margin-top:4px}
.scard .meta{margin-top:13px;display:flex;gap:7px;flex-wrap:wrap}
.tag{font-size:11px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;color:var(--blue);background:var(--mist);border-radius:6px;padding:5px 8px}
.tag.soon{color:#7a3a16;background:#FBE2D2}
.scard .qual{margin-top:11px;font-size:11.5px;color:var(--ink3)}
.scard .go{margin-top:13px;font-size:13.5px;font-weight:700;color:var(--blue);display:flex;align-items:center;gap:6px}
.chev{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:.15s}
.scard.open .chev{transform:rotate(180deg)}
.scard .expand{display:none;border-top:1px solid var(--line);margin-top:13px;padding-top:12px}
.scard.open .expand{display:block}
.scard .expand .erow{display:flex;justify-content:space-between;gap:12px;padding:4px 0;font-size:12.5px;color:var(--ink2)}
.scard .expand .erow b{color:var(--ink);font-weight:600;text-align:right}
.scard .expand .tt{margin-top:9px;color:var(--ink3);font-size:11px;line-height:1.55}
/* CARD MODULE (Gem + GO): people photo + details split, like the live card-page hero */
.cardmod{display:flex;flex-direction:column;gap:20px;margin-top:26px}
.cmcard{display:grid;grid-template-columns:.85fr 1.15fr;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);background:linear-gradient(135deg,var(--navy1) 0%,var(--navy2) 75%,var(--blue) 130%)}
.cmcard .cmphoto{position:relative;min-height:320px}
.cmcard .cmphoto img.people{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.cmcard .cmphoto .cmcardart{position:absolute;left:18px;bottom:18px;width:118px;height:auto;border-radius:8px;box-shadow:var(--shadow-lg);transform:rotate(-4deg);z-index:2}
.cmcard .cmbody{padding:32px 36px 30px;color:#fff;display:flex;flex-direction:column}
.cmcard .cmname{font-size:25px;font-weight:700;color:#fff}
.cmcard .cmtag{font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--cyanlt);margin-top:5px}
.cmcard sup{color:var(--cyanlt)}
.cmcard .cmstats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:20px}
.cmcard .cmstat{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);border-radius:var(--r-sm);padding:14px 16px}
.cmcard .cmstat .big{font-size:28px;font-weight:800;color:#fff;line-height:1}
.cmcard .cmstat .cap{font-size:12px;color:#cdd8ec;margin-top:6px;line-height:1.4}
.cmcard .cmfeat{list-style:none;margin:18px 0 0;display:flex;flex-direction:column;gap:9px;flex:1}
.cmcard .cmfeat li{font-size:13.5px;color:#dce6f7;padding-left:24px;position:relative;line-height:1.45}
.cmcard .cmfeat li:before{content:"\2713";position:absolute;left:0;color:var(--cyan);font-weight:800}
.cmcard .cmfees{margin-top:16px;font-size:11.5px;color:#aebfdc;line-height:1.5}
.cmcard .cmfees a{color:var(--cyanlt);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.cmcard .cmcta{display:flex;gap:16px;align-items:center;margin-top:18px;flex-wrap:wrap}
.cmcard .cmcta .link{color:#fff}
@media(max-width:760px){.cmcard{grid-template-columns:1fr}.cmcard .cmphoto{min-height:210px}.cmcard .cmphoto .cmcardart{width:92px;left:16px;bottom:16px}}
/* page-1 people hero */
.chero{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.chero .cheroimg img{width:100%;border-radius:var(--r-lg);box-shadow:var(--shadow-lg)}
@media(max-width:860px){.chero{grid-template-columns:1fr;gap:26px}}
/* hero offer fine print */
.heronote{margin-top:16px;font-size:11px;line-height:1.5;color:rgba(255,255,255,.6);max-width:52ch}
.heronote sup{color:var(--cyanlt)}
/* legal links + documents row */
.legal a{color:var(--navy2);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.legal .docs{margin-top:16px;font-size:12.5px;color:var(--ink2);line-height:1.9}
.legal .docs b{color:var(--ink)}
/* why / pillars */
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:26px}
.pillar{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px}
.pillar .illus{width:84px;height:84px;object-fit:contain;margin:-6px 0 2px -8px}
.pillar .ic{width:44px;height:44px;border-radius:12px;background:var(--mist);display:grid;place-items:center}
.pillar .ic svg{width:23px;height:23px;stroke:var(--navy1);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.pillar h4{font-size:16.5px;font-weight:700;margin-top:15px}
.pillar p{font-size:14px;color:var(--ink2);margin-top:7px;line-height:1.55}
@media(max-width:860px){.why{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.why{grid-template-columns:1fr}}
/* plans */
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}
.plan{border:1px solid var(--line);border-radius:var(--r-md);background:#fff;padding:24px;display:flex;flex-direction:column}
.plan .pname{font-size:19px;font-weight:700;color:var(--navy1)}
.plan .ptag{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--blue);margin-top:5px}
.plan ul{list-style:none;margin-top:16px;display:flex;flex-direction:column;gap:10px;flex:1}
.plan li{font-size:14px;color:var(--ink2);padding-left:23px;position:relative;line-height:1.5}
.plan li:before{content:"";position:absolute;left:0;top:7px;width:8px;height:8px;border-radius:50%;background:var(--blue)}
.plan li.note:before{background:var(--gold)}
.plan .avail{margin-top:18px;padding-top:15px;border-top:1px solid var(--line);font-size:13px;color:var(--ink3)}
.plan .avail b{color:var(--ink2);font-weight:600}
@media(max-width:860px){.plans{grid-template-columns:1fr}}
/* get started + eligibility */
.gstwo{display:grid;grid-template-columns:1.35fr 1fr;gap:34px;margin-top:26px;align-items:stretch}
@media(max-width:860px){.gstwo{grid-template-columns:1fr;gap:30px}}
.steps{display:grid;grid-template-columns:repeat(2,1fr);gap:24px 20px}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--navy1);color:#fff;display:grid;place-items:center;font-size:19px;font-weight:700;margin:0 0 12px}
.step h4{font-size:17px;font-weight:700}
.step p{font-size:14.5px;color:var(--ink2);margin-top:6px}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.elig{background:var(--mist);border:1px solid var(--line);border-radius:var(--r-md);padding:24px}
.elig h4{font-size:17px;font-weight:700}
.elig .lbl{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--blue);margin:18px 0 9px}
.elig ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.elig li{font-size:14px;color:var(--ink2);padding-left:25px;position:relative;line-height:1.5}
.elig li:before{content:"\2713";position:absolute;left:0;top:1px;color:var(--good);font-weight:800}
/* get-started step illustrations */
.step .stepill{width:74px;height:74px;object-fit:contain;margin-bottom:6px}
/* how to apply (beside eligibility) */
.howapply{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:24px}
.howapply h4{font-size:17px;font-weight:700}
.howapply .hasub{font-size:14px;color:var(--ink2);margin-top:4px;font-weight:600}
.howapply .hastep{display:flex;gap:12px;align-items:flex-start;margin-top:14px}
.howapply .han{flex:0 0 auto;width:24px;height:24px;border-radius:50%;background:var(--navy1);color:#fff;display:grid;place-items:center;font-size:12px;font-weight:700}
.howapply .hastep b{display:block;font-size:14.5px;color:var(--ink)}
.howapply .hastep .hat{display:block;font-size:13.5px;color:var(--ink2);margin-top:2px;line-height:1.45}
.plan .avail a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px}
/* IMPORTANT INFORMATION wall (kept as a wall, numbered, superscripts tie back) */
.legal{background:var(--mist);border-top:1px solid var(--line)}
.legal .wrap{padding:40px 28px}
.legal h3{font-size:18px;font-weight:700;color:var(--ink)}
.legal ol{margin:14px 0 0 0;padding-left:0;list-style:none;counter-reset:fn}
.legal ol li{counter-increment:fn;position:relative;padding-left:26px;font-size:12px;line-height:1.65;color:var(--ink2);margin-bottom:9px}
.legal ol li:before{content:counter(fn);position:absolute;left:0;top:0;font-size:10px;font-weight:700;color:var(--blue)}
.legal .provider{margin-top:16px;font-size:11.5px;color:var(--ink3);line-height:1.6;max-width:100ch;border-top:1px solid var(--line);padding-top:14px}
/* footer */
.foot{background:var(--ink);color:#C9D8F2;font-size:13px;line-height:1.6;padding:40px 0 36px}
.foot .top{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:20px;margin-bottom:18px}
.foot a:hover{color:#fff}
.foot .cols{display:flex;gap:48px;flex-wrap:wrap}
.foot .cols b{color:#fff;display:block;margin-bottom:8px;font-size:13px}
.foot .cols a{display:block;color:#A9BEE0;margin-bottom:6px}
/* demo layer */
.demo{position:fixed;right:18px;bottom:18px;z-index:200;font-size:13px}
.demo .toggle-open{background:var(--ink);color:#fff;border:0;border-radius:var(--r-pill);padding:11px 16px;font-family:inherit;font-weight:700;font-size:13px;cursor:pointer;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:9px}
.demo .toggle-open .led{width:8px;height:8px;border-radius:50%;background:var(--cyan)}
.demo .panel{display:none;background:var(--ink);color:#fff;border-radius:var(--r-md);box-shadow:var(--shadow-lg);padding:16px;width:280px}
.demo.show .panel{display:block}
.demo.show .toggle-open{display:none}
.demo .panel .ttl{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--cyanlt)}
.demo .panel .x{float:right;cursor:pointer;color:var(--ink3);font-weight:700}
.demo .seg{display:flex;background:rgba(255,255,255,.08);border-radius:var(--r-pill);padding:4px;margin-top:12px}
.demo .seg button{flex:1;border:0;background:transparent;color:#cdd8ec;font-family:inherit;font-size:12.5px;font-weight:700;padding:8px;border-radius:var(--r-pill);cursor:pointer}
.demo .seg button.on{background:var(--blue);color:#fff}
.demo .lab{font-size:11px;color:var(--ink3);margin:14px 0 6px;letter-spacing:.04em;text-transform:uppercase;font-weight:700}
.demo select{width:100%;font-family:inherit;font-size:13px;padding:9px 10px;border-radius:var(--r-sm);border:1px solid rgba(255,255,255,.18);background:#0a1a36;color:#fff}
.demo .hide{display:block;margin-top:13px;font-size:12px;color:var(--cyanlt);cursor:pointer}
.demo .note{font-size:11.5px;color:var(--ink3);margin-top:11px;line-height:1.5}
@media(max-width:760px){.slide .row{grid-template-columns:1fr;gap:24px}.slide h1{font-size:30px}.hnav{display:none}}
@media(max-width:520px){.demo .panel{width:240px}}

/* ============================================================
   v2.0 two-page model: evergreen offers, apply chooser, store load-more,
   payment-plans accordion, offers search hero, what-is-IF strip, CTA band.
   ============================================================ */
.btn-sm{padding:9px 16px;font-size:13.5px}
/* page-aware subnav parent link */
.subnav .parent{color:var(--navy1);font-weight:700;border-right:1px solid var(--line);margin-right:4px}
.subnav .parent:hover{border-bottom-color:transparent}
/* evergreen offer cards (logo-led; no baked EOFY composite) */
.ocard .ohead{display:flex;align-items:center;padding:16px 16px 4px}
.ocard .ologo{height:30px;display:flex;align-items:center}
.ocard .ologo img{max-height:28px;max-width:140px;width:auto}
.ocard .ologo .txt{font-weight:700;color:var(--navy1);font-size:16px;letter-spacing:-.01em}
.ocard .obig{font-size:22px;font-weight:800;color:var(--navy1);line-height:1.08}
.ocard .obig span{display:block;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);margin-top:3px}
.ocard .ostore{font-size:14.5px;font-weight:600;color:var(--ink);margin-top:9px}
.ocard .oterm{text-align:right;font-size:18px;font-weight:800;color:var(--navy1);line-height:1.05;white-space:nowrap}
.ocard .oterm small{display:block;font-size:9.5px;font-weight:600;color:var(--ink2);text-transform:uppercase;letter-spacing:.05em;margin-top:3px}
.ocard .ob{padding:14px 16px 16px;display:flex;flex-direction:column;flex:1}
.ocard .ob h4{font-size:15.5px;font-weight:700;line-height:1.3;color:var(--ink)}
.ocard .ocat{font-size:12.5px;color:var(--ink3);margin-top:5px}
.ocard .ofoot{margin-top:14px;padding-top:0;display:flex;gap:10px;justify-content:flex-start;align-items:center}
.ocard .termstoggle{display:inline-block;margin-top:12px;font-size:12px;color:var(--ink3);cursor:pointer;text-decoration:underline;text-underline-offset:2px;width:max-content}
/* Gem/GO apply chooser modal */
.chooser{position:fixed;inset:0;z-index:300;background:rgba(8,24,64,.55);display:none;align-items:center;justify-content:center;padding:20px}
.chooser.on{display:flex}
.chooser-card{background:#fff;border-radius:var(--r-lg);max-width:640px;width:100%;padding:30px 30px 24px;box-shadow:var(--shadow-lg);position:relative;max-height:92vh;overflow:auto}
.chooser-x{position:absolute;top:14px;right:14px;width:34px;height:34px;border-radius:50%;border:0;background:var(--mist);color:var(--ink2);font-size:18px;font-weight:700;cursor:pointer;line-height:1}
.chooser-x:hover{background:var(--line)}
.chooser-h{font-size:24px;font-weight:800;color:var(--navy1)}
.chooser-sub{font-size:14.5px;color:var(--ink2);margin-top:8px;max-width:54ch;line-height:1.5}
.chooser-opts{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:20px}
.chooser-opt{display:flex;flex-direction:column;border:1.5px solid var(--line);border-radius:var(--r-md);padding:18px;transition:.15s;cursor:pointer;color:var(--ink)}
.chooser-opt:hover{border-color:var(--blue);box-shadow:var(--shadow);transform:translateY(-2px)}
.copt-name{font-size:18px;font-weight:800;color:var(--navy1)}
.copt-tag{font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--blue);margin-top:4px}
.copt-line{font-size:13px;color:var(--ink2);margin-top:10px;line-height:1.5;flex:1}
.copt-cta{margin-top:14px;font-weight:800;color:var(--good);font-size:14.5px;display:inline-flex;align-items:center;gap:6px}
.chooser-foot{margin-top:18px;font-size:13px;color:var(--ink3);text-align:center}
.chooser-foot a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.chooser-foot span{color:var(--line)}
@media(max-width:560px){.chooser-opts{grid-template-columns:1fr}.chooser-card{padding:24px 20px 20px}}
/* store load-more */
.storemore{display:block;margin:26px auto 0;color:var(--navy1)}
/* payment plans accordion */
.planacc{border:0}
.acc-head{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:18px 20px;font-family:inherit;font-size:17px;font-weight:700;color:var(--navy1);cursor:pointer;text-align:left}
.acc-head .chev{width:20px;height:20px;transition:.16s}
.planacc.open .acc-head{border-bottom-left-radius:0;border-bottom-right-radius:0}
.planacc.open .acc-head .chev{transform:rotate(180deg)}
.acc-body{display:none;border:1px solid var(--line);border-top:0;border-radius:0 0 var(--r-md) var(--r-md);padding:22px 20px}
.planacc.open .acc-body{display:block}
.acc-pts{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;margin-bottom:22px}
.acc-pts li{font-size:14px;color:var(--ink2);padding-left:24px;position:relative;line-height:1.5}
.acc-pts li:before{content:"\2713";position:absolute;left:0;top:1px;color:var(--good);font-weight:800}
@media(max-width:680px){.acc-pts{grid-template-columns:1fr}}
/* offers search hero */
.offhero{background:linear-gradient(135deg,var(--navy1) 0%,var(--navy2) 68%,var(--blue) 130%);color:#fff}
.offhero .wrap{padding:48px 28px 42px;text-align:center}
.offhero .eyebrow{color:var(--cyanlt);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.offhero h1{color:#fff;font-size:38px;line-height:1.05;font-weight:800;letter-spacing:-.015em;margin:12px auto 8px;max-width:20ch}
.offhero p{color:#D7E4FB;font-size:16px;max-width:56ch;margin:0 auto}
.offhero .bigsearch{position:relative;max-width:560px;margin:24px auto 0}
.offhero .bigsearch input{width:100%;font-family:inherit;font-size:16px;padding:16px 18px 16px 48px;border:0;border-radius:var(--r-pill);background:#fff;color:var(--ink)}
.offhero .bigsearch input:focus{outline:3px solid var(--cyanlt)}
.offhero .bigsearch .m{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--ink3);font-size:18px}
.offhero .quick{display:flex;gap:9px;flex-wrap:wrap;justify-content:center;margin-top:18px}
.offhero .quick button{font-family:inherit;border:1px solid rgba(255,255,255,.4);background:rgba(255,255,255,.12);color:#fff;font-size:13px;font-weight:600;padding:8px 14px;border-radius:var(--r-pill);cursor:pointer;transition:.14s}
.offhero .quick button:hover{background:rgba(255,255,255,.22)}
@media(max-width:560px){.offhero h1{font-size:27px}.offhero .wrap{padding:38px 22px 34px}}
/* slim what-is-IF strip (offers page bottom) */
.whatstrip{background:var(--mist);border-top:1px solid var(--line)}
.whatstrip .wrap{padding:34px 28px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.whatstrip .wt-l{max-width:62ch}
.whatstrip h3{font-size:21px;font-weight:700;color:var(--navy1)}
.whatstrip p{font-size:14.5px;color:var(--ink2);margin-top:6px;line-height:1.55}
/* educational secondary CTA band + centered card CTA */
.ctaband{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.ctaband h2{font-size:26px;font-weight:800;color:var(--navy1)}
.ctaband p{font-size:15px;color:var(--ink2);margin-top:6px}
.ctaband-btns{display:flex;gap:12px;flex-wrap:wrap}
.cardcta{text-align:center;margin-top:30px}
.cardcta .sub{font-size:13.5px;color:var(--ink3);margin-top:10px}
/* educational what-is-IF intro */
.whatlede{max-width:64ch;margin-bottom:8px}
.whatlede p{font-size:16px;color:var(--ink2);line-height:1.6;margin-top:10px}

/* ============================================================
   v2.1: early cross-link band, T&Cs-up-front payment plans, mobile pinned reveal
   ============================================================ */
/* early cross-link band (sits high on each page) */
.crossband{background:#fff;border-bottom:1px solid var(--line)}
.crossband .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:15px 28px;flex-wrap:wrap}
.crossband .cl{min-width:0}
.crossband .cl b{font-size:14.5px;color:var(--navy1);font-weight:700}
.crossband .cl span{font-size:13.5px;color:var(--ink2);margin-left:8px}
.crossband .clbtns{display:flex;gap:10px;flex-wrap:wrap}
@media(max-width:600px){.crossband .wrap{flex-direction:column;align-items:flex-start;gap:11px}.crossband .cl span{display:block;margin-left:0;margin-top:3px}}

/* payment plans: terms up front (never hidden behind a dropdown) */
.planterms{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px 24px;margin-top:24px}
.planterms .pt-head{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.planterms .pt-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:11px 26px}
.planterms .pt-list li{font-size:14.5px;color:var(--ink);padding-left:25px;position:relative;line-height:1.5}
.planterms .pt-list li:before{content:"\2713";position:absolute;left:0;top:1px;color:var(--good);font-weight:800}
.planterms .planstcs{margin-top:16px}
@media(max-width:680px){.planterms .pt-list{grid-template-columns:1fr}}

/* plan types: 3-up grid all-open (desktop), collapsible accordion (mobile) */
.planlist{margin-top:18px;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.planitem{border:1px solid var(--line);border-radius:var(--r-md);background:#fff;overflow:hidden}
.planitem .pi-head{width:100%;display:flex;flex-direction:column;align-items:flex-start;gap:5px;background:#fff;border:0;padding:22px 22px 8px;font-family:inherit;text-align:left;cursor:default}
.planitem .pi-name{font-size:18px;font-weight:700;color:var(--navy1)}
.planitem .pi-tag{font-size:11px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--blue)}
.planitem .pi-head .chev{display:none;width:20px;height:20px;stroke:var(--ink3);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:.16s;flex:0 0 auto}
.planitem .pi-body{padding:4px 22px 22px}
.planitem .pi-body ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.planitem .pi-body li{font-size:14px;color:var(--ink2);padding-left:23px;position:relative;line-height:1.5}
.planitem .pi-body li:before{content:"";position:absolute;left:0;top:7px;width:8px;height:8px;border-radius:50%;background:var(--blue)}
.planitem .pi-body li.note:before{background:var(--gold)}
.planitem .pi-body .avail{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:13px;color:var(--ink3)}
.planitem .pi-body .avail b{color:var(--ink2);font-weight:600}
.planitem .pi-body .avail a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px}
@media(max-width:860px) and (min-width:761px){.planlist{grid-template-columns:1fr}}
/* MOBILE: real accordion (collapsible, no scroll dependency) */
@media(max-width:760px){
  .planlist{display:block}
  .planitem{margin-bottom:12px}
  .planitem .pi-head{flex-direction:row;align-items:center;gap:10px;padding:16px 18px;cursor:pointer}
  .planitem .pi-tag{margin-left:auto}
  .planitem .pi-head .chev{display:block}
  .planitem.open .pi-head .chev{transform:rotate(180deg)}
  .planitem .pi-body{display:none;padding:0 18px 18px}
  .planitem.open .pi-body{display:block}
}

/* ══ prototype configurator (shared across both IF pages) ══════════════════
   Each control writes a data-attr on <body> (or runs a JS apply fn) and a URL
   param, so any combination is a shareable link. Rules are inert when the
   section they target is absent, so the same sheet serves both pages. */
/* --- educational page sections --- */
body[data-shero="center"] .chero{grid-template-columns:1fr;text-align:center;justify-items:center}
body[data-shero="center"] .cheroimg{display:none}
body[data-shero="center"] .heronote,body[data-shero="center"] .chero p,body[data-shero="center"] h1{margin-left:auto;margin-right:auto}
body[data-swhy="off"] #what{display:none}
body[data-swhy="2col"] .why{grid-template-columns:repeat(2,1fr)}
body[data-showit="off"] #how{display:none}
body[data-scards="off"] #cards{display:none}
body[data-splans="off"] #plans{display:none}
body[data-sexplore="off"] #explore{display:none}
/* --- offers page sections --- */
body[data-oquick="off"] .offhero .quick{display:none}
body[data-ochips="off"] #chips{display:none}
body[data-ochips="off"] #filterbar{display:none}
body[data-ooffers="off"] #offers{display:none}
body[data-ooffers="grid"] .rail{grid-template-columns:repeat(3,1fr)}
body[data-ocat="off"] #cat{display:none}
body[data-owhat="off"] .whatstrip{display:none}
/* --- shared content bands --- */
body[data-bandtrust="off"] .reassure{display:none}
body[data-bandcross="off"] .crossband{display:none}
/* --- the panel --- */
.cfg{position:fixed;right:18px;bottom:18px;z-index:60;font-family:inherit}
.cfg-btn{display:flex;align-items:center;gap:8px;font:inherit;font-size:13px;font-weight:700;color:#fff;background:#0b2374;border:0;border-radius:100px;padding:12px 18px;cursor:pointer;box-shadow:0 6px 24px rgba(11,35,116,.35)}
.cfg-btn:focus-visible{outline:2px solid var(--cyan);outline-offset:2px}
.cfg-panel{display:none;position:absolute;right:0;bottom:52px;width:300px;max-height:78vh;overflow-y:auto;background:#fff;border-radius:14px;box-shadow:0 12px 40px rgba(11,35,116,.28);padding:18px;color:var(--navy1)}
.cfg.open .cfg-panel{display:block}
.cfg-h{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#7a86ad;margin:0 0 4px}
.cfg-reset{float:right;font:inherit;font-size:11px;font-weight:700;color:var(--blue);background:0;border:0;cursor:pointer;padding:0}
.cfg-sec{font-size:10px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#0b2374;margin:16px 0 6px;padding-top:12px;border-top:1px solid #eef1f8}
.cfg-sec.first{border-top:0;padding-top:4px}
.cfg-g{margin-bottom:12px}
.cfg-gl{font-size:12.5px;font-weight:700;margin-bottom:6px}
.cfg-opt{display:flex;align-items:center;gap:8px;font-size:13px;padding:4px 0;cursor:pointer}
.cfg-opt input{accent-color:#0b2374}
.cfg-note{font-size:11px;color:#7a86ad;margin-top:12px;line-height:1.5}

/* ══ richer per-section flex (layout/style variants, not just show/hide) ══ */
/* hero layout */
body[data-shero="compact"] .chero{grid-template-columns:1fr;max-width:640px}
body[data-shero="compact"] .cheroimg{display:none}
body[data-shero="compact"] .hero h1{font-size:clamp(30px,4.2vw,42px)!important}
/* hero background (educational .hero + offers .offhero) */
body[data-herobg="solid"] .hero,body[data-herobg="solid"] .offhero{background:var(--navy1)}
body[data-herobg="bright"] .hero,body[data-herobg="bright"] .offhero{background:linear-gradient(135deg,var(--blue) 0%,var(--navy1) 96%)}
/* why: list layout (icon spans both rows so text sits beside, not under it) */
body[data-swhy="list"] .why{grid-template-columns:1fr;gap:12px}
body[data-swhy="list"] .pillar{display:grid;grid-template-columns:64px 1fr;grid-template-rows:auto auto;column-gap:18px;padding:16px 20px}
body[data-swhy="list"] .pillar .illus{grid-column:1;grid-row:1/3;align-self:center;width:64px;height:64px;margin:0}
body[data-swhy="list"] .pillar h4{grid-column:2;grid-row:1;align-self:end;margin-top:0}
body[data-swhy="list"] .pillar p{grid-column:2;grid-row:2;align-self:start;margin-top:4px}
/* how it works: row of 3 / list */
body[data-showit="row3"] .steps{grid-template-columns:repeat(3,1fr)}
body[data-showit="list"] .steps{grid-template-columns:1fr}
body[data-showit="list"] .step{display:grid;grid-template-columns:64px 1fr;grid-template-rows:auto auto;column-gap:18px}
body[data-showit="list"] .step .stepill{grid-column:1;grid-row:1/3;align-self:center;width:64px;height:64px;margin:0}
body[data-showit="list"] .step h4{grid-column:2;grid-row:1;align-self:end}
body[data-showit="list"] .step p{grid-column:2;grid-row:2;align-self:start}
/* cards: compact (stats only) */
body[data-scards="compact"] .cmcard .cmfeat,body[data-scards="compact"] .cmcard .cmfees{display:none}
/* plans: single-column stack */
body[data-splans="stack"] .planlist{grid-template-columns:1fr}
/* explore band: minimal */
body[data-sexplore="minimal"] .ctaband p{display:none}
body[data-sexplore="minimal"] .ctaband-btns .btn-ghost{display:none}
/* reassurance strip: navy style */
body[data-bandtrust="navy"] .reassure{background:var(--navy1);border-color:var(--navy1)}
body[data-bandtrust="navy"] .reassure .wrap{color:#fff}
/* cross-link band: navy style */
body[data-bandcross="navy"] .crossband{background:var(--navy1);border-color:var(--navy1)}
body[data-bandcross="navy"] .crossband .cl b{color:#fff}
body[data-bandcross="navy"] .crossband .cl span{color:#cfe0ff}
body[data-bandcross="navy"] .crossband .btn-ghost{color:#fff!important;border-color:rgba(255,255,255,.55)!important}
/* offers: category tile density */
body[data-ocat="2col"] .tiles{grid-template-columns:repeat(2,1fr)}
/* offers: store grid density (desktop only; mobile keeps its responsive columns) */
@media(min-width:981px){body[data-ostyle="compact"] .sgrid{grid-template-columns:repeat(5,1fr);gap:12px}}
/* offers: what-is-IF strip navy */
body[data-owhat="navy"] .whatstrip{background:var(--navy1);border-color:var(--navy1)}
body[data-owhat="navy"] .whatstrip h3,body[data-owhat="navy"] .whatstrip p{color:#fff}
body[data-owhat="navy"] .whatstrip .btn-primary{background:#fff;color:var(--navy1)}

/* ══ card finder concept (scards=chooser) ══ */
.cardfinder{display:none;background:linear-gradient(135deg,var(--navy1) 0%,var(--navy2) 78%,var(--blue) 140%);border-radius:var(--r-lg);padding:32px;color:#fff;margin-top:26px;box-shadow:var(--shadow-lg)}
body[data-scards="chooser"] .cardmod .cmcard{display:none}
body[data-scards="chooser"] .cardfinder{display:block}
.cf-head{font-size:19px;font-weight:800;margin-bottom:20px}
.cf-step{margin-bottom:20px}
.cf-q{font-size:14px;font-weight:600;color:#cfe0ff;margin-bottom:10px}
.cf-opts{display:flex;gap:10px;flex-wrap:wrap}
.cf-opt{font:inherit;font-size:14px;font-weight:600;color:#fff;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.32);border-radius:100px;padding:11px 20px;cursor:pointer;transition:background .16s,border-color .16s,color .16s}
.cf-opt:hover{background:rgba(255,255,255,.18)}
.cf-opt.on{background:var(--cyan);border-color:var(--cyan);color:var(--navy1)}
.cf-opt:focus-visible{outline:2px solid var(--cyanlt);outline-offset:2px}
.cf-result{display:none;margin-top:4px;padding-top:22px;border-top:1px solid rgba(255,255,255,.22)}
.cf-result.on{display:block;animation:cfIn .4s ease}
@keyframes cfIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.cf-rlabel{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--cyanlt)}
.cf-rname{font-size:27px;font-weight:800;margin:7px 0 9px;letter-spacing:-.01em}
.cf-rwhy{font-size:15px;color:#dce6f7;line-height:1.55;max-width:56ch}
.cf-ract{display:flex;gap:18px;align-items:center;margin-top:20px;flex-wrap:wrap}
.cf-ract .link{color:var(--cyanlt);font-weight:600}
@media(prefers-reduced-motion:reduce){.cf-result.on{animation:none}}

/* ══ GM feedback sweep (Rachel Edwards, 2026-07) ══ */
/* #3 differentiate secondary nav from the primary white nav */
.subnav{background:var(--mist)}
.subnav a{color:var(--ink2)}
.subnav a:hover,.subnav a.ext{color:var(--navy1)}
.subnav .parent{color:var(--navy1);font-weight:700}
/* #5 hero secondary CTA as a text link with chevron */
.hero-textlink{color:#fff;font-weight:700;font-size:15px;display:inline-flex;align-items:center;gap:6px;padding:12px 4px}
.hero-textlink:hover{color:var(--cyanlt)}
.hero-textlink .chev{font-size:18px;line-height:0}
/* #8 how it works: numbered 1-2-3, no icons */
body[data-showit="steps"] .steps{grid-template-columns:repeat(3,1fr)}
body[data-showit="steps"] .step .stepill{display:none}
@media(max-width:640px){body[data-showit="steps"] .steps{grid-template-columns:1fr}}
/* #10 plans as space-saving accordion (works on desktop too) */
body[data-splans="accordion"] .planlist{grid-template-columns:1fr;max-width:820px}
body[data-splans="accordion"] .planitem .pi-body{display:none}
body[data-splans="accordion"] .planitem.open .pi-body{display:block}
body[data-splans="accordion"] .planitem .pi-head{flex-direction:row;align-items:center;gap:10px;cursor:pointer;padding:16px 18px}
body[data-splans="accordion"] .planitem .pi-head .chev{display:block}
body[data-splans="accordion"] .planitem.open .pi-head .chev{transform:rotate(180deg)}

/* #4 key points moved into the hero banner */
.herokeys{display:flex;gap:10px 22px;flex-wrap:wrap;margin-top:22px;max-width:56ch}
.herokeys a,.herokeys span{color:#fff;font-size:13.5px;font-weight:600;display:inline-flex;align-items:center;gap:8px}
.herokeys a:before,.herokeys span:before{content:"\2713";color:var(--cyanlt);font-weight:800}
.herokeys a{border-bottom:1px solid rgba(255,255,255,.45);padding-bottom:1px}
.herokeys a:hover{border-bottom-color:var(--cyanlt);color:var(--cyanlt)}

/* #10 plans folded into the Why section: drop the duplicate heading, add breathing room */
body[data-splace="inwhy"] .plans-shead{display:none}
body[data-splace="inwhy"] #plansBlock{margin-top:34px}