/* fonts are self-hosted (latin subset of Bricolage Grotesque and Inter from Google Fonts) */
@font-face {
  font-family: 'Bricolage Grotesque';
  font-style: normal;
  font-weight: 600;
  font-stretch: 100%;
  font-display: swap;
  src: url(/fonts/f0.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Bricolage Grotesque';
  font-style: normal;
  font-weight: 800;
  font-stretch: 100%;
  font-display: swap;
  src: url(/fonts/f0.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/fonts/f1.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(/fonts/f1.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(/fonts/f1.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  /* PintCredit palette: deep teal accent, same family layout as PintCash */
  --bg: #f5f8f7;
  --surface: #ffffff;
  --surface-2: #e6efec;
  --text: #13201d;
  --muted: #55665f;
  --line: #d5e2dd;
  --accent: #0f766e;
  --accent-strong: #0b5a54;
  --accent-soft: #d3efe9;
  --gold: #c8930a;
  --good: #2f7d4f;
  --good-soft: #dff1e5;
  --bad: #b3261e;
  --bad-soft: #fbe4e1;
  --shadow: 0 1px 2px rgba(10, 40, 35, .06), 0 6px 20px rgba(10, 40, 35, .06);
  --radius: 14px;
  --display: "Bricolage Grotesque", system-ui, sans-serif;
  --body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0d1513;
    --surface: #15201d;
    --surface-2: #1d2b27;
    --text: #e8f1ee;
    --muted: #93a8a1;
    --line: #2a3a35;
    --accent: #3cc2b4;
    --accent-strong: #7ddcd1;
    --accent-soft: #123a35;
    --gold: #f0b93a;
    --good: #6fcf97;
    --good-soft: #193323;
    --bad: #f28b82;
    --bad-soft: #3a1a17;
    --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 6px 20px rgba(0, 0, 0, .25);
  }
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
section[id] { scroll-margin-top: 60px; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font: 16px/1.55 var(--body);
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent-strong); }
h1, h2, h3 { font-family: var(--display); line-height: 1.1; margin: 0 0 .5em; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-row { display: flex; align-items: center; justify-content: space-between; height: 60px; }
.logo { font: 800 1.25rem var(--display); color: var(--text); text-decoration: none; }
.top-nav { display: flex; gap: 20px; }
.top-nav a { color: var(--muted); text-decoration: none; font-weight: 500; font-size: .95rem; }
.top-nav a:hover { color: var(--text); }
.top-nav { align-items: center; }
.top-nav .nav-money {
  color: var(--accent-strong); background: var(--accent-soft); border: 1px solid var(--accent);
  padding: 5px 12px; border-radius: 999px; white-space: nowrap;
}
.top-nav .nav-money:hover { color: var(--accent-strong); border-color: var(--accent-strong); }
/* on phones keep just the transparency link next to the logo */
@media (max-width: 860px) { .top-nav a:not(.nav-money) { display: none; } }

/* hero */
.hero { padding: 64px 0 40px; }
.eyebrow { color: var(--accent-strong); font-weight: 600; font-size: .85rem; text-transform: uppercase; letter-spacing: .06em; margin: 0 0 12px; }
.hero h1 { font-size: clamp(2.1rem, 6vw, 3.8rem); font-weight: 800; max-width: 15ch; letter-spacing: -.02em; text-wrap: balance; }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 60ch; margin: 0 0 28px; }
.lede strong { color: var(--text); font-weight: 600; }
.hero-stats { display: flex; flex-wrap: wrap; gap: 12px; }

.hero-grid { display: grid; gap: 32px; align-items: center; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: 1.15fr .85fr; } }
.hero-art { width: 100%; max-width: 460px; height: auto; justify-self: center; }
@media (max-width: 899px) { .hero-art { max-width: 320px; } }

.hero-art .coin > *, .hero-art .coin-drop { fill: #ffd54a; stroke: #b8860b; stroke-width: 1.5; }
.hero-art .coin-mark { fill: #7a5200; font: 600 11px var(--body); text-anchor: middle; }

/* every few seconds one coin falls out of the foam and lands on the tall stack */
.hero-art .coin-drop { animation: coin-drop 6s ease-in 1s infinite both; }
@keyframes coin-drop {
  0%   { transform: translateY(-120px); opacity: 0; }
  5%   { opacity: 1; }
  14%  { transform: translateY(0); }
  17%  { transform: translateY(-5px); }
  20%  { transform: translateY(0); }
  85%  { opacity: 1; }
  95%, 100% { transform: translateY(0); opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-art .coin-drop { animation: none; }
}
.hero-stats div {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 12px 18px; display: flex; flex-direction: column; min-width: 140px;
}
.hero-stats strong { font: 800 1.6rem var(--display); color: var(--accent-strong); }
.hero-stats span { color: var(--muted); font-size: .9rem; }

/* start */
.start { padding: 24px 0 40px; }
.start-steps { margin: 0; padding: 0; list-style: none; display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); counter-reset: s; }
.start-steps li {
  counter-increment: s; background: var(--accent-soft); border-radius: var(--radius);
  padding: 18px 18px 18px 56px; position: relative;
}
.start-steps li::before {
  content: counter(s); position: absolute; left: 16px; top: 16px;
  width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center;
  background: var(--accent); color: #fff; font: 800 .95rem var(--display);
}

/* list */
.list { padding: 24px 0 56px; }
.list-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.search input {
  width: min(320px, 100%); padding: 10px 14px; font: inherit; color: var(--text);
  background: var(--surface); border: 1px solid var(--line); border-radius: 999px;
}
.search { flex: 1 1 220px; display: flex; justify-content: flex-end; }
@media (max-width: 560px) { .search { justify-content: stretch; } .search input { width: 100%; } }

.filters { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0 12px; }
.chip {
  font: 500 .9rem var(--body); padding: 7px 14px; border-radius: 999px; cursor: pointer;
  background: var(--surface); color: var(--text); border: 1px solid var(--line);
}
.chip:hover { border-color: var(--accent); }
.chip[aria-pressed="true"] { background: var(--text); color: var(--bg); border-color: var(--text); }

.filter-row { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 8px; }
.filter-row label { display: flex; align-items: center; gap: 8px; color: var(--muted); font-size: .9rem; }
.filter-row select {
  font: inherit; color: var(--text); background: var(--surface);
  border: 1px solid var(--line); border-radius: 8px; padding: 6px 8px;
}
.result-count { color: var(--muted); font-size: .9rem; margin: 8px 0 16px; }

.grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
@media (max-width: 360px) { .grid { grid-template-columns: 1fr; } }

.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 20px; display: flex; flex-direction: column; gap: 12px;
}
.card-top { display: flex; align-items: center; gap: 12px; }
.mark {
  width: 44px; height: 44px; border-radius: 12px; flex: none; display: grid; place-items: center;
  font: 800 1.2rem var(--display); color: #fff;
}
.card h3 { font-size: 1.2rem; margin: 0; }
.cat { color: var(--muted); font-size: .82rem; }
.pick {
  margin-left: auto; align-self: flex-start; font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .05em;
  background: var(--accent-soft); color: var(--accent-strong); padding: 3px 8px; border-radius: 999px; white-space: nowrap;
}
.card p { margin: 0; color: var(--muted); font-size: .95rem; flex: 1; }
.bonus { background: var(--good-soft); color: var(--good); font-weight: 600; font-size: .88rem; padding: 8px 10px; border-radius: 8px; }
.code {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap; font-size: .88rem; color: var(--muted);
  border: 1px dashed var(--accent); border-radius: 8px; padding: 7px 10px;
}
.code b { color: var(--text); font-family: ui-monospace, Consolas, monospace; letter-spacing: .04em; }
.code button {
  margin-left: auto; font: 600 .8rem var(--body); cursor: pointer; padding: 4px 10px; border-radius: 6px;
  background: var(--accent-soft); color: var(--accent-strong); border: 1px solid var(--accent);
}

.meters { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; font-size: .82rem; }
.meter span { color: var(--muted); display: block; }
.meter b { letter-spacing: .1em; color: var(--accent-strong); }
.meter b i { font-style: normal; color: var(--line); }

.tags { display: flex; flex-wrap: wrap; gap: 6px; }
.tags span { font-size: .75rem; background: var(--surface-2); color: var(--muted); padding: 3px 8px; border-radius: 6px; }

.cta {
  display: block; text-align: center; text-decoration: none; font-weight: 600;
  background: var(--accent); color: #fff; padding: 11px; border-radius: 10px; transition: background .15s;
}
.cta:hover { background: var(--accent-strong); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .cta { color: #0d1513; } }

.empty { text-align: center; color: var(--muted); padding: 40px 0; }

/* avoid */
.avoid { padding: 48px 0; border-top: 1px solid var(--line); }
.avoid-intro { color: var(--muted); margin: 0 0 20px; }
.avoid-list { list-style: none; margin: 0 0 24px; padding: 0; display: grid; gap: 10px; }
.avoid-list li {
  background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--bad);
  border-radius: 10px; padding: 12px 16px; color: var(--muted);
}
.avoid-list b { display: block; color: var(--text); }
.avoid-source { color: var(--muted); font-size: .85rem; font-style: italic; margin: 0 0 24px; }
.red-flags { background: var(--bad-soft); border-radius: var(--radius); padding: 18px 20px; }
.red-flags h3 { font-size: 1.1rem; color: var(--bad); }
.red-flags ul { margin: 0; padding-left: 20px; }

/* faq */
.faq { padding: 48px 0; background: var(--surface-2); }
details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 4px 18px; margin-bottom: 10px; }
summary { cursor: pointer; font-weight: 600; padding: 12px 0; }
details p { margin: 0 0 14px; color: var(--muted); }

/* footer */
.site-footer { padding: 32px 0 48px; border-top: 1px solid var(--line); font-size: .88rem; color: var(--muted); }
.disclosure { max-width: 80ch; }
.fine { margin-top: 12px; }

/* simple prose page */
.prose { padding: 48px 0; }
.prose h1 { font-size: clamp(2rem, 5vw, 2.8rem); }
.prose h2 { font-size: 1.3rem; margin-top: 1.6em; }
.prose p, .prose li { color: var(--muted); }

/* small confirmation popup (used by the "don't count me" switch) */
.toast {
  position: fixed; left: 50%; bottom: 24px; transform: translateX(-50%); z-index: 50;
  background: var(--text); color: var(--bg); padding: 12px 18px; border-radius: 10px;
  font-weight: 500; font-size: .92rem; box-shadow: var(--shadow); max-width: calc(100% - 32px);
}

/* guides */
.guides-home { padding: 8px 0 48px; }
.tiles { display: grid; gap: 16px; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); margin: 16px 0 28px; }
.article .tiles { grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.tile {
  display: flex; flex-direction: column; text-decoration: none; color: var(--text); overflow: hidden;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
  transition: transform .15s, border-color .15s;
}
.tile:hover { transform: translateY(-3px); border-color: var(--accent); }
.tile img { display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; }
.tile-body { display: flex; flex-direction: column; gap: 6px; padding: 14px 16px 16px; flex: 1; }
.tile-tag { font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; color: var(--accent-strong); }
.tile b { font: 700 1.1rem/1.25 var(--display); }
.tile-desc { color: var(--muted); font-size: .9rem; flex: 1; }
.tile-more { color: var(--accent-strong); font-weight: 600; font-size: .9rem; margin-top: 4px; }
@media (prefers-reduced-motion: reduce) { .tile { transition: none; } .tile:hover { transform: none; } }

.article { padding: 40px 0 56px; }
.article h1 { font-size: clamp(1.9rem, 5vw, 2.7rem); font-weight: 800; letter-spacing: -.01em; text-wrap: balance; }
.article h2 { font-size: 1.35rem; margin-top: 1.8em; }
.article p, .article li { color: var(--text); line-height: 1.7; }
.article li { margin-bottom: 6px; }
.article .lead { font-size: 1.15rem; color: var(--muted); }
.crumbs { font-size: .85rem; color: var(--muted); margin: 0 0 12px; }
.crumbs a { color: var(--muted); }
.byline { color: var(--muted); font-size: .88rem; margin: -4px 0 12px; }
.aff-note { font-size: .85rem; color: var(--muted); background: var(--surface-2); border-radius: 8px; padding: 8px 12px; }
.table-wrap { overflow-x: auto; margin: 12px 0; }
.vs { width: 100%; border-collapse: collapse; font-size: .95rem; min-width: 480px; }
.vs th, .vs td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.vs thead th { font-family: var(--display); font-size: 1rem; }
.vs tbody th { color: var(--muted); font-weight: 500; width: 34%; }
.guide-cards { margin: 32px 0; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.related { border-top: 1px solid var(--line); margin-top: 32px; }
.all-guides { margin: 0; font-weight: 600; }
.all-guides a { color: var(--accent-strong); text-decoration: none; }
.all-guides a:hover { text-decoration: underline; }

/* pinned "start here" guide tile */
.tile-pinned { position: relative; border-color: var(--accent); }
.tile-pin {
  position: absolute; top: 10px; left: 10px; display: inline-flex; align-items: center; gap: 5px;
  background: var(--accent); color: #fff; font-size: .75rem; font-weight: 600; letter-spacing: .02em;
  padding: 4px 10px 4px 8px; border-radius: 999px; box-shadow: var(--shadow);
}
.tile-pin svg { transform: rotate(-30deg); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .tile-pin { color: #0d1513; } }

/* visual blocks inside guides */
.article-hero { margin: 24px 0 8px; }
.article-hero img { display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; border-radius: var(--radius); border: 1px solid var(--line); }
.callout {
  margin: 20px 0; display: flex; gap: 14px; align-items: center;
  background: var(--accent-soft); border-radius: var(--radius); padding: 18px 20px;
}
.callout-mark { font-size: 1.8rem; line-height: 1; }
.article .callout p { margin: 0; font: 700 1.2rem/1.35 var(--display); color: var(--text); }

.is-isnt { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); margin: 16px 0; }
.is-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; }
.is-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.is-card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.article .is-card li { display: flex; gap: 10px; align-items: flex-start; margin: 0; line-height: 1.45; }
.isnt-ico { flex: none; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; }
.isnt-ico svg { width: 16px; height: 16px; }
.isnt-ico.is { background: var(--good-soft); color: var(--good); }
.isnt-ico.isnt { background: var(--bad-soft); color: var(--bad); }

.way-grid { display: grid; gap: 12px; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); margin: 16px 0 8px; }
.way {
  display: flex; flex-direction: column; overflow: hidden; text-decoration: none; color: var(--text);
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .15s, transform .15s;
}
.way:hover { border-color: var(--accent); transform: translateY(-2px); }
.way img { display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; }
.way-body { display: flex; flex-direction: column; gap: 4px; padding: 10px 12px 12px; flex: 1; }
.way-body b { font: 700 1rem var(--display); }
.way-body > span { color: var(--muted); font-size: .86rem; line-height: 1.4; }
.way-body .way-effort { margin-top: auto; padding-top: 4px; font-size: .78rem; }
.way-effort b { letter-spacing: .1em; color: var(--accent-strong); }
.way-effort b i { font-style: normal; color: var(--line); }
@media (prefers-reduced-motion: reduce) { .way { transition: none; } .way:hover { transform: none; } }

.payoff-map { margin: 16px 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 14px 10px; }
.payoff-map svg { display: block; width: 100%; height: auto; }
.pm-axis { stroke: var(--muted); stroke-width: 1.5; }
.pm-axis-label { fill: var(--muted); font: 600 13px var(--body); }
.pm-dot { fill: var(--accent); stroke: var(--surface); stroke-width: 3; }
.pm-label { fill: var(--text); font: 600 14px var(--body); }
.payoff-map figcaption { color: var(--muted); font-size: .85rem; margin-top: 6px; }

.guide-steps { margin: 16px 0; grid-template-columns: 1fr; }
.article .guide-steps li { margin: 0; }

.rule-grid { display: grid; gap: 10px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); margin: 16px 0; }
.rule { display: flex; gap: 12px; align-items: flex-start; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 14px; }
.rule-ico { flex: none; width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; background: var(--accent-soft); color: var(--accent-strong); }
.article .rule p { margin: 0; line-height: 1.45; font-size: .95rem; }
.article .red-flags ul { margin: 0; }
.payoff-map { overflow-x: auto; }
.payoff-map svg { min-width: 520px; }

/* real program logos in the card's icon spot */
.mark-logo { background: #fff; border: 1px solid var(--line); overflow: hidden; padding: 4px; }
.mark-logo img { display: block; width: 100%; height: 100%; object-fit: contain; border-radius: 8px; }
.list-note { color: var(--muted); font-size: .85rem; margin: 10px 0 0; max-width: 80ch; }

/* quiz */
.quiz { margin-top: 24px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); }
.q-head { display: grid; gap: 8px; margin-bottom: 14px; font-size: .85rem; color: var(--muted); }
.q-progress { height: 6px; background: var(--surface-2); border-radius: 999px; overflow: hidden; }
.q-progress span { display: block; height: 100%; width: 20%; background: var(--accent); border-radius: 999px; transition: width .25s; }
.q-step { border: 0; margin: 0; padding: 0; min-width: 0; }
.q-step legend { font: 800 1.35rem/1.2 var(--display); margin-bottom: 14px; padding: 0; }
.q-step legend small { display: block; font: 500 .85rem var(--body); color: var(--muted); margin-top: 4px; }
.q-options { display: grid; gap: 10px; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); }
.q-stack { grid-template-columns: 1fr; }
.q-opt { position: relative; display: block; cursor: pointer; }
.q-opt input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.q-opt span { display: block; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; background: var(--bg); font-weight: 500; transition: border-color .15s, background .15s; }
.q-opt span b { display: block; font-weight: 700; }
.q-stack .q-opt span { color: var(--muted); font-size: .92rem; }
.q-stack .q-opt span b { color: var(--text); font-size: 1rem; }
.q-opt:hover span { border-color: var(--accent); }
.q-opt input:checked + span { border-color: var(--accent); background: var(--accent-soft); color: var(--text); }
.q-opt input:focus-visible + span { outline: 2px solid var(--accent-strong); outline-offset: 2px; }
.q-error { color: var(--bad); font-size: .9rem; min-height: 1.3em; margin: 12px 0 0; }
.q-nav, .q-after { display: flex; gap: 10px; justify-content: space-between; align-items: center; flex-wrap: wrap; margin-top: 10px; }
.q-nav [data-next] { margin-left: auto; }
.q-btn {
  font: 600 1rem var(--body); cursor: pointer; text-decoration: none; text-align: center;
  background: var(--accent); color: #fff; border: 0; padding: 11px 20px; border-radius: 10px;
}
.q-btn:hover { background: var(--accent-strong); }
.q-btn-ghost { background: transparent; color: var(--text); border: 1.5px solid var(--line); }
.q-btn-ghost:hover { background: var(--surface-2); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .q-btn:not(.q-btn-ghost) { color: #0d1513; } }
.q-results { margin-top: 24px; }
.q-results .grid { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); margin-top: 14px; }
.q-results h3 { margin-top: 28px; font-size: 1.15rem; }
.q-after { margin-top: 24px; }
.q-why { display: inline-block; align-self: flex-start; font-size: .78rem; font-weight: 600; color: var(--good); background: var(--good-soft); padding: 3px 8px; border-radius: 999px; }
@media (prefers-reduced-motion: reduce) { .q-progress span, .q-opt span { transition: none; } }

/* quiz call-to-action on the homepage */
.hero-cta { display: inline-flex; align-items: center; gap: 8px; margin-top: 18px; text-decoration: none; font-weight: 600;
  background: var(--accent); color: #fff; padding: 11px 18px; border-radius: 10px; }
.hero-cta:hover { background: var(--accent-strong); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .hero-cta { color: #0d1513; } }
.start-quiz { color: var(--muted); margin: -4px 0 16px; }

/* quiz embedded on the homepage */
.start-quiz-wrap { max-width: 820px; }
.start-intro { color: var(--muted); margin: 0 0 4px; max-width: 65ch; }
.start-quiz-wrap .quiz { margin-top: 16px; }

/* quiz call-to-action box inside guides */
.quiz-cta {
  display: flex; flex-wrap: wrap; gap: 16px 24px; align-items: center; justify-content: space-between;
  margin: 36px 0 8px; padding: 22px 24px; border-radius: var(--radius);
  background: var(--accent-soft); border: 1.5px solid var(--accent);
}
.quiz-cta > div { flex: 1 1 320px; min-width: 0; }
.article .quiz-cta h2 { margin: 2px 0 6px; font-size: 1.4rem; }
.article .quiz-cta p { margin: 0; }
.quiz-cta-kicker { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--accent-strong); }
.quiz-cta .q-btn { flex: none; }

/* ---------- PintCredit additions ---------- */

/* brand family dropdown (logo opens a menu of Pint sites) */
.brand { position: relative; }
.brand > summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: 6px; }
.brand > summary::-webkit-details-marker { display: none; }
.brand > summary::after { content: "▾"; font-size: .8rem; color: var(--muted); }
.brand[open] > summary::after { content: "▴"; }
.brand-menu {
  position: absolute; top: calc(100% + 8px); left: 0; z-index: 20; min-width: 240px;
  background: var(--surface); border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow);
  padding: 6px; display: grid; gap: 2px;
}
.brand-menu a { display: grid; gap: 1px; padding: 9px 12px; border-radius: 8px; text-decoration: none; color: var(--text); }
.brand-menu a:hover { background: var(--surface-2); }
.brand-menu a b { font: 700 1rem var(--display); }
.brand-menu a span { font-size: .8rem; color: var(--muted); }
.brand-menu a[aria-current="true"] { background: var(--accent-soft); }

/* hero buttons */
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.btn { display: inline-block; text-decoration: none; font-weight: 600; padding: 11px 18px; border-radius: 10px; background: var(--accent); color: #fff; }
.btn:hover { background: var(--accent-strong); }
.btn-ghost { background: transparent; color: var(--text); border: 1.5px solid var(--line); }
.btn-ghost:hover { background: var(--surface-2); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .btn:not(.btn-ghost) { color: #0d1513; } }

/* promise / principles strip on the homepage */
.promise { padding: 40px 0 56px; }
.promise-grid { display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); margin-top: 16px; }
.promise-grid div { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; }
.promise-grid b { display: block; font: 700 1.05rem var(--display); margin-bottom: 4px; }
.promise-grid p { margin: 0; color: var(--muted); font-size: .95rem; }

/* annual fee calculator */
.calc { display: grid; gap: 20px; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); align-items: start; margin-top: 20px; }
@media (max-width: 820px) { .calc { grid-template-columns: 1fr; } }
.calc-panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow); }
.calc-panel h2 { font-size: 1.15rem; margin: 0 0 12px; }
.calc fieldset { border: 0; padding: 0; margin: 0 0 14px; min-width: 0; }
.calc legend { font-weight: 600; margin-bottom: 8px; padding: 0; }
.calc-row { display: grid; grid-template-columns: minmax(0, 1fr) 110px 90px; gap: 8px; align-items: center; margin-bottom: 8px; font-size: .92rem; }
.calc-row.head { color: var(--muted); font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 4px; }
.calc-field { display: grid; grid-template-columns: minmax(0, 1fr) 130px; gap: 8px; align-items: center; margin-bottom: 8px; font-size: .92rem; }
.calc input { width: 100%; font: inherit; color: var(--text); background: var(--bg); border: 1px solid var(--line); border-radius: 8px; padding: 7px 9px; font-variant-numeric: tabular-nums; }
.calc input:focus-visible { outline: 2px solid var(--accent); outline-offset: 1px; }
.calc-hint { color: var(--muted); font-size: .82rem; margin: 2px 0 0; }
.calc-results { position: sticky; top: 76px; }
@media (max-width: 820px) { .calc-results { position: static; } }
.calc-big { font: 800 2.4rem/1 var(--display); font-variant-numeric: tabular-nums; margin: 4px 0 6px; }
.calc-big.pos { color: var(--good); }
.calc-big.neg { color: var(--bad); }
.calc-lines { display: grid; gap: 6px; margin: 14px 0; font-size: .92rem; }
.calc-lines div { display: flex; justify-content: space-between; gap: 10px; border-bottom: 1px dashed var(--line); padding-bottom: 6px; font-variant-numeric: tabular-nums; }
.calc-verdict { background: var(--surface-2); border-radius: 10px; padding: 10px 12px; font-size: .95rem; margin: 0; }
/* the brand menu is a <details>, so undo the FAQ <details> box styling */
details.brand { background: none; border: 0; padding: 0; margin: 0; border-radius: 0; }
details.brand > summary { padding: 0; font-weight: 800; }