/* Cards Authority. Colours come from the logo: CARDS (red to orange) over AUTHORITY (cyan to blue) on ledger navy. */
:root {
  --navy: #0E1A2B;
  --navy-2: #172840;
  --navy-line: #2A3D58;
  --paper: #F3F5F8;
  --surface: #FFFFFF;
  --ink: #0E1726;
  --ink-2: #33415A;
  --muted: #5B6880;
  --line: #DCE2EA;
  --red: #E8312A;
  --orange: #F26422;
  --amber: #F7941D;
  --cyan: #22A7F0;
  --blue: #1B6FD8;
  --link: #1559B8;
  --ok: #12704F;
  --warn: #A63D12;
  --warn-bg: #FFF3EC;
  --info-bg: #EEF5FD;

  --sans: 'Archivo', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --serif: 'Source Serif 4', Georgia, 'Times New Roman', serif;

  --wrap: 1180px;
  --measure: 68ch;
  --r-s: 6px;
  --r-m: 10px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 84px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 400 1rem/1.6 var(--sans);
  font-variation-settings: 'wdth' 100;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--link); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 2px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
@media (min-width: 720px) { .wrap { padding: 0 28px; } }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--surface); padding: 8px 12px; z-index: 50; }
.skip:focus { left: 8px; }

/* ---------- type ---------- */
h1, h2, h3, h4 { font-family: var(--sans); line-height: 1.12; margin: 0 0 .5em; color: var(--ink); letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 1.3rem + 3.2vw, 3.4rem); font-weight: 800; font-variation-settings: 'wdth' 118; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.45rem, 1.15rem + 1.2vw, 1.95rem); font-weight: 750; font-variation-settings: 'wdth' 112; }
h3 { font-size: 1.2rem; font-weight: 700; font-variation-settings: 'wdth' 106; }
p { margin: 0 0 1em; }

/* ---------- masthead ---------- */
.masthead { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 20; border-bottom: 1px solid var(--navy-line); }
.masthead-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-glyph { width: 40px; height: 28px; flex: none; }
.brand-word { font: italic 850 1.06rem/1 var(--sans); font-variation-settings: 'wdth' 116; text-transform: uppercase; letter-spacing: .01em; white-space: nowrap; }
.b-cards { background: linear-gradient(90deg, var(--red), var(--amber)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.b-auth { background: linear-gradient(90deg, var(--cyan), #3D8BFF); -webkit-background-clip: text; background-clip: text; color: transparent; }
.site-nav { display: flex; gap: 4px; }
.site-nav a { color: #D5DEEA; text-decoration: none; font-weight: 550; font-size: .95rem; padding: 8px 12px; border-radius: var(--r-s); }
.site-nav a:hover { color: #fff; background: var(--navy-2); }
.site-nav a[aria-current="page"] { color: #fff; box-shadow: inset 0 -2px 0 var(--orange); border-radius: 0; }
.nav-toggle { display: none; }
@media (max-width: 860px) {
  .nav-toggle { display: inline-block; background: transparent; color: #fff; border: 1px solid var(--navy-line); border-radius: var(--r-s); padding: 7px 12px; font: 600 .9rem var(--sans); }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 64px; background: var(--navy); flex-direction: column; padding: 8px 16px 16px; border-bottom: 1px solid var(--navy-line); }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px 8px; font-size: 1.05rem; }
  .site-nav a[aria-current="page"] { box-shadow: inset 3px 0 0 var(--orange); padding-left: 14px; }
}

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 46px; padding: 10px 20px; border-radius: var(--r-s); font: 650 1rem/1.2 var(--sans); text-decoration: none; border: 1px solid transparent; cursor: pointer; }
.btn-apply { background: var(--orange); color: #fff; }
.btn-apply:hover { background: #D9531A; }
.btn-quiet { background: var(--surface); color: var(--ink); border-color: var(--line); }
.btn-quiet:hover { border-color: var(--ink-2); }
.btn-ghost { color: #fff; border-color: var(--navy-line); }
.btn-ghost:hover { border-color: #fff; }

/* ---------- card art (ID-1: 85.60 × 53.98) ---------- */
.cardart {
  position: relative; aspect-ratio: 85.6 / 53.98; border-radius: 4.5% / 7.1%;
  background: radial-gradient(120% 140% at 0% 0%, rgba(255,255,255,.18), transparent 55%), linear-gradient(135deg, var(--c1), var(--c2));
  color: #fff; box-shadow: 0 1px 0 rgba(255,255,255,.25) inset, 0 18px 40px -18px rgba(8,16,30,.55);
  container-type: inline-size; overflow: hidden; flex: none;
}
.cardart.is-light { color: var(--ink); }
.cardart-s { width: 112px; } .cardart-m { width: 240px; } .cardart-l { width: min(420px, 100%); }
.ca-issuer { position: absolute; left: 7%; top: 9%; font: 700 6cqw/1 var(--sans); font-variation-settings: 'wdth' 110; opacity: .95; }
.ca-chip { position: absolute; left: 7%; top: 36%; width: 14%; }
.ca-name { position: absolute; left: 7%; bottom: 10%; right: 34%; font: 600 5cqw/1.15 var(--sans); }
.ca-net { position: absolute; right: 7%; bottom: 10%; font: italic 800 5.2cqw/1 var(--sans); opacity: .9; }
.cardart-s .ca-name, .cardart-s .ca-net { display: none; }

/* issuer card images, framed at ID-1 proportions so portrait cards sit upright */
.cardimg { position: relative; aspect-ratio: 85.6 / 53.98; flex: none; }
.cardimg img { position: absolute; inset: 0; margin: auto; display: block; width: auto; height: auto; max-width: min(100%, calc(var(--nat) * 1.6)); max-height: 100%; border-radius: 4.5% / 7%; filter: drop-shadow(0 12px 22px rgba(8, 16, 30, .32)); }
.cardimg-s { width: 112px; } .cardimg-m { width: 260px; } .cardimg-l { width: min(420px, 100%); }
.cardimg-s img { filter: drop-shadow(0 4px 8px rgba(8, 16, 30, .25)); }
.cmp-img { display: block; width: auto; height: auto; max-width: 72px; max-height: 46px; margin-bottom: 6px; border-radius: 4px; }

/* ---------- home hero: the spend-lane picker ---------- */
.hero { background: var(--navy); color: #fff; padding: 48px 0 56px; }
.hero h1 { color: #fff; max-width: 18ch; font-size: clamp(2rem, 1.2rem + 3vw, 3.15rem); }
.hero-lede { color: #C9D3E1; font-size: 1.1rem; max-width: 46ch; }
.hero-grid { display: grid; gap: 36px; align-items: center; }
@media (min-width: 940px) { .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 56px; } .hero { padding: 72px 0 80px; } }
.lanes { display: flex; flex-wrap: wrap; gap: 8px; margin: 24px 0 0; padding: 0; border: 0; }
.lanes legend { font-weight: 600; color: #fff; margin-bottom: 10px; padding: 0; }
.lane { position: relative; }
.lane input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.lane span { display: inline-block; padding: 9px 14px; border: 1px solid var(--navy-line); border-radius: 999px; color: #D5DEEA; font-weight: 550; }
.lane input:checked + span { background: #fff; color: var(--navy); border-color: #fff; }
.lane input:focus-visible + span { outline: 3px solid var(--amber); outline-offset: 2px; }
.lane:hover span { border-color: #8FA3BF; }
.pick { display: grid; gap: 18px; justify-items: start; }
@media (min-width: 940px) { .pick { justify-items: center; } }
.pick .cardimg { width: min(400px, 100%); transition: transform .45s cubic-bezier(.2,.8,.2,1), opacity .2s; }
.pick.swapping .cardimg { transform: rotateY(-14deg) translateY(-6px); opacity: .25; }
.hero .cardimg img { filter: drop-shadow(0 22px 34px rgba(0, 0, 0, .55)); }
.pick-facts { width: min(400px, 100%); background: var(--navy-2); border: 1px solid var(--navy-line); border-radius: var(--r-m); padding: 16px 18px; }
.pick-facts h2 { color: #fff; font-size: 1.15rem; margin: 0 0 6px; font-variation-settings: 'wdth' 106; }
.pick-facts p { color: #C9D3E1; margin: 0 0 12px; font-size: .97rem; }
.pick-facts .row { display: flex; gap: 10px; flex-wrap: wrap; }
.pick-facts .btn { min-height: 42px; padding: 8px 16px; font-size: .95rem; }
@media (prefers-reduced-motion: reduce) { .pick .cardimg { transition: none; } .pick.swapping .cardimg { transform: none; opacity: 1; } }

/* ---------- sections ---------- */
.section { padding: 56px 0; }
.section + .section { padding-top: 8px; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 16px; flex-wrap: wrap; margin-bottom: 20px; }
.section-head p { margin: 0; color: var(--muted); max-width: 60ch; }
.section-head h2 { margin: 0 0 4px; }

/* ledger: card list as statement rows */
.ledger { list-style: none; margin: 0; padding: 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); }
.ledger li { display: grid; grid-template-columns: 112px 1fr; gap: 6px 18px; padding: 18px; border-top: 1px solid var(--line); align-items: center; }
.ledger li:first-child { border-top: 0; }
.ledger h3 { margin: 0; font-size: 1.12rem; }
.ledger h3 a { color: var(--ink); text-decoration: none; }
.ledger h3 a:hover { text-decoration: underline; }
.ledger .best { margin: 2px 0 0; color: var(--ink-2); }
.ledger .fee { font-variant-numeric: tabular-nums; color: var(--muted); font-size: .95rem; margin: 0; }
.ledger .fee, .ledger .acts { grid-column: 2; }
.ledger .acts { display: flex; gap: 10px; flex-wrap: wrap; }
.ledger .cardart, .ledger .cardimg { grid-row: span 3; align-self: start; }
@media (max-width: 480px) {
  .ledger li { grid-template-columns: 84px 1fr; gap: 6px 14px; padding: 16px 14px; }
  .ledger .cardart-s, .ledger .cardimg-s { width: 84px; }
}
@media (min-width: 820px) {
  .ledger li { grid-template-columns: 112px 1.4fr 1fr auto; }
  .ledger .fee, .ledger .acts { grid-column: auto; }
  .ledger .cardart, .ledger .cardimg { grid-row: auto; align-self: center; }
}
.tag { display: inline-block; font-size: .8rem; font-weight: 600; padding: 2px 8px; border-radius: 999px; background: #E7F3EE; color: var(--ok); vertical-align: 2px; margin-left: 6px; }
.tag-warn { background: var(--warn-bg); color: var(--warn); }

/* application steps: a real sequence, so numbered */
.journey { background: var(--navy); color: #fff; }
.journey h2 { color: #fff; }
.journey .section-head p { color: #C9D3E1; }
.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; display: grid; gap: 14px; }
@media (min-width: 820px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.steps li { counter-increment: s; border-top: 2px solid var(--navy-line); padding-top: 14px; color: #C9D3E1; }
.steps li::before { content: counter(s); display: block; font: 800 1.8rem/1 var(--sans); font-variation-settings: 'wdth' 120; color: var(--amber); margin-bottom: 8px; }
.steps li.stuck { border-top-color: var(--orange); }
.steps strong { display: block; color: #fff; font-size: 1.05rem; margin-bottom: 4px; }
.steps a { color: #fff; }

/* guide list */
.guides { display: grid; gap: 0; border-top: 1px solid var(--line); }
@media (min-width: 820px) { .guides { grid-template-columns: 1fr 1fr; column-gap: 40px; } }
.guides a { display: block; padding: 18px 0; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); }
.guides a strong { display: block; font-size: 1.1rem; font-weight: 700; font-variation-settings: 'wdth' 106; }
.guides a span { color: var(--muted); }
.guides a:hover strong { color: var(--link); text-decoration: underline; }

/* ---------- article ---------- */
.article { padding: 28px 0 64px; }
.article-grid { display: grid; gap: 32px; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 1020px) { .article-grid { grid-template-columns: minmax(0, 1fr) 280px; gap: 56px; } }
.prose { font: 400 1.125rem/1.7 var(--serif); color: var(--ink); }
.prose p, .prose ul:not(.picks), .prose ol, .prose h2, .prose h3, .prose .note, .prose .faq, .prose .proscons, .prose .kfs { max-width: var(--measure); }
.prose .kfs { max-width: 760px; }
.prose h2 { margin-top: 1.8em; }
.prose h3 { margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.1em; }
.prose li { margin-bottom: .4em; }
.prose table { font-family: var(--sans); }
.dek { font: 400 1.25rem/1.5 var(--serif); color: var(--ink-2); max-width: 60ch; }
.byline { color: var(--muted); font-size: .93rem; margin-bottom: 28px; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 0 18px; font-size: .9rem; color: var(--muted); }
.crumbs li + li::before { content: '/'; margin-right: 6px; color: #A8B3C4; }
.crumbs a { color: var(--muted); }
.aside-stick { position: sticky; top: 88px; display: grid; gap: 18px; align-content: start; }
.toc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); padding: 16px 18px; }
.toc h2 { font-size: 1rem; margin: 0 0 8px; }
.toc ol { margin: 0; padding-left: 1.2em; font-size: .95rem; }
.toc li { margin: 4px 0; }

.note { border-left: 4px solid var(--blue); background: var(--info-bg); padding: 14px 18px; border-radius: 0 var(--r-s) var(--r-s) 0; margin: 0 0 1.4em; font: 400 1rem/1.6 var(--sans); }
.note-warn { border-left-color: var(--orange); background: var(--warn-bg); }
.note p:last-child { margin: 0; }

/* key facts statement */
.kfs { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); padding: 18px 20px; font-family: var(--sans); font-size: 1rem; line-height: 1.5; margin: 0 0 1.6em; }
.proscons, .picks { line-height: 1.5; }
.kfs h2 { font-size: 1.05rem; margin: 0 0 8px; font-variation-settings: 'wdth' 104; }
.kfs dl { margin: 0; }
.kfs-row { display: grid; grid-template-columns: 1fr; gap: 2px; padding: 10px 0; border-top: 1px solid var(--line); }
@media (min-width: 620px) { .kfs-row { grid-template-columns: 170px 1fr; gap: 16px; } }
.kfs dt { color: var(--muted); font-size: .93rem; }
.kfs dd { margin: 0; font-variant-numeric: tabular-nums; }
.kfs-src { font-size: .85rem; color: var(--muted); margin: 10px 0 0; }

.review-top { display: grid; gap: 22px; align-items: center; margin-bottom: 26px; }
@media (min-width: 760px) { .review-top { grid-template-columns: auto 1fr; gap: 32px; } }
.verdict { font: 400 1.15rem/1.55 var(--serif); }
.proscons { display: grid; gap: 16px; margin: 0 0 1.4em; font-family: var(--sans); font-size: 1rem; }
@media (min-width: 640px) { .proscons { grid-template-columns: 1fr 1fr; } }
.proscons div { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); padding: 14px 18px; }
.proscons h3 { font-size: 1rem; margin: 0 0 6px; }
.proscons ul { margin: 0; padding-left: 1.1em; }
.apply-box { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); padding: 16px 18px; font-size: .95rem; }
.apply-box .btn { width: 100%; margin-bottom: 10px; }
.apply-box p { margin: 0; color: var(--muted); }

/* tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-m); background: var(--surface); margin: 0 0 1.6em; }
table.data { border-collapse: collapse; width: 100%; min-width: 640px; font-size: .95rem; font-variant-numeric: tabular-nums; }
table.data th, table.data td { text-align: left; padding: 11px 14px; border-top: 1px solid var(--line); vertical-align: top; }
table.data thead th { border-top: 0; background: #F7F9FB; font-weight: 650; }
table.data tbody th { font-weight: 650; }

/* faq */
.faq details { border-top: 1px solid var(--line); padding: 4px 0; font-family: var(--sans); }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; padding: 12px 0; font-weight: 650; font-size: 1.05rem; }
.faq details > div { padding: 0 0 14px; color: var(--ink-2); font: 400 1.05rem/1.65 var(--serif); }

/* product picks (Amazon) */
.picks { list-style: none; padding: 0; margin: 0 0 1.6em; display: grid; gap: 14px; font-family: var(--sans); }
.picks li { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-m); padding: 16px 18px; }
.picks h3 { margin: 0 0 4px; font-size: 1.08rem; }
.picks p { margin: 0 0 10px; color: var(--ink-2); font-size: 1rem; }
.picks .btn { min-height: 40px; padding: 8px 14px; font-size: .93rem; }

/* page header band */
.band { background: var(--surface); border-bottom: 1px solid var(--line); padding: 36px 0 30px; }
.band p { color: var(--ink-2); max-width: 62ch; font-size: 1.08rem; margin: 0; }

/* ---------- footer ---------- */
.foot { background: var(--navy); color: #AEBBCD; margin-top: 40px; padding: 48px 0 28px; font-size: .95rem; }
.foot a { color: #D5DEEA; }
.foot-grid { display: grid; gap: 28px; }
@media (min-width: 820px) { .foot-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } }
.foot h2 { color: #fff; font-size: 1rem; margin: 4px 0 10px; font-variation-settings: 'wdth' 104; }
.foot ul { list-style: none; margin: 0; padding: 0; }
.foot li { margin: 0 0 8px; }
.foot-brand p { max-width: 38ch; margin: 14px 0 0; }
.foot-legal { border-top: 1px solid var(--navy-line); margin-top: 32px; padding-top: 20px; font-size: .86rem; color: #93A2B8; }
.foot-legal p { max-width: 110ch; }