:root {
  --blue:        #5B6CF5;
  --blue-light:  #e8eafd;
  --blue-mid:    #8f9af8;
  --blue-dim:    rgba(91,108,245,0.08);
  --near-black:  #1A1B1E;
  --white:       #FFFFFF;
  --off-white:   #F5F3EE;
  --gray-border: #E2E0DB;
  --gray-text:   #6B6860;
  --gray-subtle: #9B9890;
  --green:       #2E8B57;
  --green-light: #EAF5EE;
  --amber:       #D97706;
  --amber-light: #FEF3C7;
  --red:         #E8534A;
  --red-light:   #FEF0EF;
  --font:        'Montserrat', sans-serif;
  --mono:        'JetBrains Mono', monospace;
  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   16px;
  --shadow-card: 0 1px 3px rgba(26,27,30,0.06), 0 4px 16px rgba(26,27,30,0.04);
  --shadow-hover:0 4px 24px rgba(91,108,245,0.14), 0 1px 4px rgba(26,27,30,0.08);
  --transition:  0.22s cubic-bezier(0.4,0,0.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font);background:var(--white);color:var(--near-black);font-size:15px;line-height:1.65;-webkit-font-smoothing:antialiased;}
a{color:inherit;text-decoration:none;}
img{display:block;max-width:100%;}
ul{list-style:none;}

/* ─── ANNOUNCEMENT ── */
.announcement{background:var(--blue);color:var(--white);text-align:center;padding:10px 32px;font-size:12px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;}
.announcement a{color:var(--white);text-decoration:underline;text-underline-offset:3px;}

/* ─── NAV ── */
.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,0.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--gray-border);}
.nav-inner{max-width:1160px;margin:0 auto;padding:0 32px;height:68px;display:flex;align-items:center;justify-content:space-between;gap:32px;}
.nav-logo{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.nav-wordmark{font-size:18px;font-weight:700;letter-spacing:-0.01em;color:var(--near-black);}
.nav-wordmark span{color:var(--blue);font-weight:300;}
.nav-links{display:flex;align-items:center;gap:32px;}
.nav-links a{font-size:13px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:var(--gray-text);transition:color var(--transition);}
.nav-links a:hover,.nav-links a.active{color:var(--blue);}
.nav-actions{display:flex;align-items:center;gap:12px;}
.nav-account{font-family:var(--font);font-size:12px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;padding:10px 20px;border-radius:var(--radius-sm);border:1.5px solid var(--blue);background:transparent;color:var(--blue);cursor:pointer;transition:background var(--transition),color var(--transition);}
.nav-account:hover{background:var(--blue);color:var(--white);}
.nav-cart{position:relative;display:flex;align-items:center;justify-content:center;width:40px;height:40px;border:1px solid var(--gray-border);border-radius:var(--radius-sm);cursor:pointer;transition:border-color var(--transition),background var(--transition);color:var(--near-black);}
.nav-cart:hover{border-color:var(--blue);background:var(--blue-light);color:var(--blue);}
.cart-badge{position:absolute;top:-6px;right:-6px;width:18px;height:18px;background:var(--blue);color:var(--white);border-radius:50%;font-size:10px;font-weight:700;display:flex;align-items:center;justify-content:center;}

/* ─── BREADCRUMB ── */
.breadcrumb{padding:16px 0;border-bottom:1px solid var(--gray-border);background:var(--off-white);}
.container{max-width:1160px;margin:0 auto;padding:0 32px;}
.breadcrumb-inner{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--gray-subtle);}
.breadcrumb-inner a{color:var(--gray-subtle);transition:color var(--transition);}
.breadcrumb-inner a:hover{color:var(--blue);}
.breadcrumb-sep{font-size:10px;color:var(--gray-border);}
.breadcrumb-current{color:var(--near-black);font-weight:600;}

/* ─── HERO ── */
.page-hero{background:var(--near-black);padding:80px 0 72px;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 75% 40%,rgba(91,108,245,0.14) 0%,transparent 55%),radial-gradient(circle at 20% 80%,rgba(91,108,245,0.07) 0%,transparent 45%);pointer-events:none;}
.page-hero::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.03) 1px,transparent 1px);background-size:40px 40px;pointer-events:none;}
.hero-inner{position:relative;z-index:1;}
.hero-eyebrow{font-size:11px;font-weight:600;letter-spacing:0.14em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:16px;display:flex;align-items:center;gap:10px;}
.hero-eyebrow::before{content:'';width:24px;height:1.5px;background:var(--blue-mid);display:block;}
.hero-h1{font-size:clamp(34px,4.5vw,52px);font-weight:700;color:var(--white);letter-spacing:-0.03em;line-height:1.12;margin-bottom:16px;}
.hero-h1 span{color:var(--blue-mid);}
.hero-desc{font-size:16px;font-weight:300;color:rgba(255,255,255,0.5);line-height:1.75;max-width:580px;margin-bottom:40px;}

/* Hero stat strip */
.hero-stat-strip{display:flex;gap:0;border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius-lg);overflow:hidden;margin-bottom:40px;max-width:640px;}
.hero-stat-cell{flex:1;padding:20px 24px;border-right:1px solid rgba(255,255,255,0.08);}
.hero-stat-cell:last-child{border-right:none;}
.hero-stat-num{font-size:28px;font-weight:700;color:var(--white);letter-spacing:-0.02em;line-height:1;margin-bottom:5px;}
.hero-stat-num.accent{color:var(--blue-mid);}
.hero-stat-num.green{color:#5ebd85;}
.hero-stat-label{font-size:10px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:rgba(255,255,255,0.35);}

/* CTA row */
.hero-cta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;}
.btn-primary{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:var(--white);font-family:var(--font);font-size:13px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;padding:14px 28px;border-radius:var(--radius-sm);border:none;cursor:pointer;transition:background var(--transition),transform var(--transition),box-shadow var(--transition);}
.btn-primary:hover{background:#4a5ae0;transform:translateY(-1px);box-shadow:0 6px 20px rgba(91,108,245,0.3);}
.hero-trust{display:flex;gap:20px;flex-wrap:wrap;}
.hero-trust-item{font-size:12px;font-weight:300;color:rgba(255,255,255,0.4);display:flex;align-items:center;gap:6px;}
.hero-trust-check{width:14px;height:14px;background:rgba(46,139,87,0.25);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;}

/* ─── EARNINGS EXAMPLE BAND ── */
.earnings-band{background:var(--off-white);border-top:1px solid var(--gray-border);border-bottom:1px solid var(--gray-border);padding:32px 0;}
.earnings-band-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
.earnings-band-label{font-size:11px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--gray-subtle);margin-bottom:4px;}
.earnings-band-title{font-size:14px;font-weight:700;color:var(--near-black);}
.earnings-cols{display:flex;gap:0;border:1px solid var(--gray-border);border-radius:var(--radius-md);overflow:hidden;background:var(--white);}
.earnings-col{padding:16px 24px;text-align:center;border-right:1px solid var(--gray-border);}
.earnings-col:last-child{border-right:none;}
.earnings-col-num{font-size:20px;font-weight:700;letter-spacing:-0.02em;line-height:1;margin-bottom:4px;}
.earnings-col-num.blue{color:var(--blue);}
.earnings-col-num.green{color:var(--green);}
.earnings-col-num.dark{color:var(--near-black);}
.earnings-col-label{font-size:10px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:var(--gray-subtle);}
.earnings-sub{font-size:12px;font-weight:300;color:var(--gray-subtle);margin-top:8px;}

/* ─── SECTIONS ── */
.section{padding:80px 0;}
.section-alt{background:var(--off-white);}
.label-tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:var(--blue);background:var(--blue-light);padding:4px 12px;border-radius:2px;margin-bottom:16px;}
.section-heading{font-size:32px;font-weight:700;letter-spacing:-0.02em;color:var(--near-black);line-height:1.2;margin-bottom:12px;}
.section-sub{font-size:15px;font-weight:300;color:var(--gray-text);max-width:560px;line-height:1.7;}
.divider{width:40px;height:2px;background:var(--blue);margin:16px 0 24px;}
.divider-center{margin:16px auto 24px;}

/* ─── FEATURE GRID ── */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:48px;}
.feature-card{background:var(--white);border:1px solid var(--gray-border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-card);transition:box-shadow var(--transition),transform var(--transition),border-color var(--transition);}
.feature-card:hover{box-shadow:var(--shadow-hover);transform:translateY(-2px);border-color:rgba(91,108,245,0.2);}
.feature-card-top{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:16px;}
.feature-card-icon{width:44px;height:44px;background:var(--blue-light);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;}
.feature-card-stat{text-align:right;}
.feature-card-stat-num{font-size:22px;font-weight:700;letter-spacing:-0.02em;color:var(--near-black);}
.feature-card-stat-num.blue{color:var(--blue);}
.feature-card-stat-num.green{color:var(--green);}
.feature-card-stat-label{font-size:10px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:var(--gray-subtle);}
.feature-card-title{font-size:14px;font-weight:700;color:var(--near-black);margin-bottom:6px;}
.feature-card-desc{font-size:13px;font-weight:300;color:var(--gray-text);line-height:1.65;}

/* ─── HOW IT WORKS ── */
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:48px;position:relative;}
.steps-grid::before{content:'';position:absolute;top:22px;left:calc(12.5% + 11px);right:calc(12.5% + 11px);height:1px;background:var(--gray-border);z-index:0;}
.step-item{position:relative;z-index:1;}
.step-num-wrap{display:flex;align-items:center;gap:14px;margin-bottom:16px;}
.step-num{width:44px;height:44px;background:var(--white);border:1.5px solid var(--gray-border);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--mono);font-size:13px;font-weight:600;color:var(--blue);flex-shrink:0;transition:background var(--transition),border-color var(--transition);}
.step-item:hover .step-num{background:var(--blue);color:var(--white);border-color:var(--blue);}
.step-title{font-size:14px;font-weight:700;color:var(--near-black);margin-bottom:6px;}
.step-desc{font-size:13px;font-weight:300;color:var(--gray-text);line-height:1.65;}

/* ─── WHY REFER ── */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:48px;}
.why-item{display:flex;gap:16px;align-items:flex-start;padding:24px;background:var(--white);border:1px solid var(--gray-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);transition:box-shadow var(--transition),border-color var(--transition);}
.why-item:hover{box-shadow:var(--shadow-hover);border-color:rgba(91,108,245,0.2);}
.why-icon{width:40px;height:40px;background:var(--blue-light);border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.why-title{font-size:13px;font-weight:700;color:var(--near-black);margin-bottom:5px;}
.why-desc{font-size:12px;font-weight:300;color:var(--gray-text);line-height:1.65;}

/* ─── COMMISSION BREAKDOWN ── */
.commission-layout{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:48px;}
.commission-card{background:var(--white);border:1px solid var(--gray-border);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-card);}
.commission-card-header{padding:24px 28px 20px;border-bottom:1px solid var(--gray-border);}
.commission-card-header.blue-top{border-top:3px solid var(--blue);}
.commission-card-header.green-top{border-top:3px solid var(--green);}
.commission-eyebrow{font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:8px;}
.eyebrow-blue{color:var(--blue);}
.eyebrow-green{color:var(--green);}
.commission-rate-row{display:flex;align-items:flex-end;gap:8px;margin-bottom:6px;}
.commission-rate{font-size:52px;font-weight:700;letter-spacing:-0.04em;line-height:1;}
.rate-blue{color:var(--blue);}
.rate-green{color:var(--green);}
.commission-rate-pct{font-size:22px;font-weight:700;color:var(--gray-subtle);padding-bottom:8px;}
.commission-title{font-size:15px;font-weight:700;color:var(--near-black);}
.commission-card-body{padding:20px 28px;}
.commission-detail{display:flex;align-items:flex-start;gap:10px;margin-bottom:12px;font-size:13px;font-weight:300;color:var(--gray-text);line-height:1.5;}
.commission-detail:last-child{margin-bottom:0;}
.detail-check{width:18px;height:18px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;}
.check-blue{background:var(--blue-light);}
.check-green{background:var(--green-light);}
.commission-example{background:var(--off-white);border-radius:var(--radius-md);padding:14px 16px;margin-top:20px;border:1px solid var(--gray-border);}
.commission-example-row{display:flex;justify-content:space-between;font-size:12px;padding:3px 0;}
.commission-example-row span:first-child{font-weight:300;color:var(--gray-text);}
.commission-example-row span:last-child{font-weight:700;color:var(--near-black);}

/* Combined example bar */
.combined-example{background:var(--near-black);border-radius:var(--radius-lg);padding:28px 36px;margin-top:20px;position:relative;overflow:hidden;}
.combined-example::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 85% 50%,rgba(91,108,245,0.12) 0%,transparent 55%);}
.combined-example::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px);background-size:28px 28px;}
.combined-inner{position:relative;z-index:1;display:grid;grid-template-columns:1fr auto;gap:32px;align-items:center;}
.combined-label{font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:6px;}
.combined-title{font-size:15px;font-weight:700;color:var(--white);margin-bottom:3px;}
.combined-sub{font-size:12px;font-weight:300;color:rgba(255,255,255,0.4);}
.combined-nums{display:flex;gap:0;border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius-md);overflow:hidden;}
.combined-num-cell{padding:14px 20px;text-align:center;border-right:1px solid rgba(255,255,255,0.08);}
.combined-num-cell:last-child{border-right:none;}
.combined-num{font-size:18px;font-weight:700;letter-spacing:-0.02em;line-height:1;margin-bottom:3px;}
.combined-num.blue{color:var(--blue-mid);}
.combined-num.grn{color:#5ebd85;}
.combined-num.white{color:var(--white);}
.combined-num-label{font-size:9px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:rgba(255,255,255,0.3);}

/* ─── FAQ ── */
.faq-list{display:flex;flex-direction:column;gap:10px;margin-top:48px;max-width:760px;margin-left:auto;margin-right:auto;}
.faq-item{background:var(--white);border:1px solid var(--gray-border);border-radius:var(--radius-lg);overflow:hidden;transition:box-shadow var(--transition),border-color var(--transition);}
.faq-item:hover{box-shadow:var(--shadow-card);border-color:rgba(91,108,245,0.2);}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;padding:18px 22px;background:none;border:none;cursor:pointer;font-family:var(--font);font-size:14px;font-weight:700;color:var(--near-black);text-align:left;gap:16px;transition:color var(--transition);}
.faq-question:hover,.faq-question.open{color:var(--blue);}
.faq-icon{width:28px;height:28px;background:var(--off-white);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--gray-subtle);font-size:18px;font-weight:300;transition:background var(--transition),color var(--transition),transform var(--transition);}
.faq-question.open .faq-icon{background:var(--blue-light);color:var(--blue);transform:rotate(45deg);}
.faq-answer{max-height:0;overflow:hidden;padding:0 22px;transition:max-height 0.35s cubic-bezier(0.4,0,0.2,1),padding 0.3s ease;}
.faq-answer.open{max-height:300px;padding:0 22px 18px;}
.faq-answer p{font-size:13px;font-weight:300;color:var(--gray-text);line-height:1.75;}
.faq-answer a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px;}

/* ─── CTA BOTTOM ── */
.cta-bottom{background:var(--near-black);padding:72px 0;position:relative;overflow:hidden;}
.cta-bottom::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 55% 50%,rgba(91,108,245,0.14) 0%,transparent 55%);}
.cta-bottom::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px);background-size:32px 32px;}
.cta-inner{position:relative;z-index:1;text-align:center;}
.cta-title{font-size:36px;font-weight:700;color:var(--white);letter-spacing:-0.02em;line-height:1.2;margin-bottom:12px;}
.cta-title span{color:var(--blue-mid);}
.cta-sub{font-size:15px;font-weight:300;color:rgba(255,255,255,0.45);margin-bottom:32px;max-width:480px;margin-left:auto;margin-right:auto;}
.cta-trust{display:flex;gap:24px;justify-content:center;flex-wrap:wrap;margin-top:20px;}
.cta-trust-item{font-size:12px;font-weight:600;color:rgba(255,255,255,0.4);display:flex;align-items:center;gap:6px;}
.btn-white{display:inline-flex;align-items:center;gap:8px;background:var(--white);color:var(--near-black);font-family:var(--font);font-size:13px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;padding:14px 32px;border-radius:var(--radius-sm);border:none;cursor:pointer;transition:background var(--transition),transform var(--transition);}
.btn-white:hover{background:var(--off-white);transform:translateY(-1px);}

/* ─── FOOTER ── */
.footer{background:var(--white);border-top:1px solid var(--gray-border);padding:64px 0 32px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px;}
.footer-brand-desc{font-size:13px;font-weight:300;color:var(--gray-text);line-height:1.7;margin:16px 0 24px;max-width:280px;}
.footer-col-title{font-size:12px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--near-black);margin-bottom:18px;}
.footer-links{display:flex;flex-direction:column;gap:10px;}
.footer-links a{font-size:13px;font-weight:300;color:var(--gray-text);transition:color var(--transition);}
.footer-links a:hover{color:var(--blue);}
.footer-bottom{padding-top:28px;border-top:1px solid var(--gray-border);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;}
.footer-copy{font-size:12px;color:var(--gray-subtle);font-weight:300;}
.footer-legal{display:flex;gap:20px;}
.footer-legal a{font-size:12px;color:var(--gray-subtle);font-weight:300;transition:color var(--transition);}
.footer-legal a:hover{color:var(--blue);}
.footer-disclaimer{width:100%;font-size:11px;color:var(--gray-subtle);font-weight:300;line-height:1.6;padding-top:18px;border-top:1px solid var(--gray-border);margin-top:18px;}

/* ─── RESEARCH DISCLAIMER ── */
.research-disclaimer{background:var(--off-white);border:1px solid var(--gray-border);border-left:3px solid var(--blue);border-radius:var(--radius-sm);padding:12px 16px;font-size:11px;color:var(--gray-text);line-height:1.6;}
.research-disclaimer strong{font-weight:700;color:var(--near-black);}

/* ─── ANIMATIONS ── */
.fade-in{opacity:1;transform:translateY(0);transition:opacity 0.6s ease,transform 0.6s ease}
.fade-in.visible{opacity:1;transform:translateY(0);}
@keyframes fadeUp{from{opacity:0;transform:translateY(18px);}to{opacity:1;transform:translateY(0);}}
.animate-in{animation:fadeUp 0.5s ease both;}
.d1{animation-delay:0.04s;}.d2{animation-delay:0.10s;}.d3{animation-delay:0.16s;}.d4{animation-delay:0.22s;}