:root {
  color-scheme: dark;
  --bg: #070b18;
  --bg-2: #0b1224;
  --panel: #152038;
  --ink: #f4f7fc;
  --muted: #8ea0bd;
  --soft: #d5e6f7;
  --line: #2a3a52;
  --accent: #3ecbff;
  --accent-ink: #061018;
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  min-height: 100%;
  background:
    radial-gradient(900px 480px at 88% -10%, rgba(62, 203, 255, 0.09), transparent 58%),
    radial-gradient(700px 420px at -8% 18%, rgba(62, 203, 255, 0.05), transparent 52%),
    var(--bg);
  color: var(--ink);
  font-family: "SF Pro Text", "Segoe UI", system-ui, sans-serif;
}

a {
  color: inherit;
}

.wrap {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.bar {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid var(--line);
  background: rgba(7, 11, 24, 0.88);
  backdrop-filter: blur(14px);
}

.bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  min-height: 72px;
  flex-wrap: wrap;
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.logo img {
  display: block;
  height: 52px;
  width: auto;
}

nav {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
}

nav a:hover,
nav a[aria-current="page"] {
  color: var(--ink);
}

.langs {
  display: flex;
  gap: 6px;
}

.langs button {
  margin: 0;
  padding: 6px 9px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: transparent;
  color: var(--muted);
  font: inherit;
  font-size: 0.75rem;
  letter-spacing: 0.04em;
  cursor: pointer;
}

.langs button[aria-pressed="true"] {
  border-color: var(--accent);
  color: var(--ink);
  background: rgba(62, 203, 255, 0.08);
}

main.page {
  max-width: none;
  padding: 0 0 40px;
}

main.page > .wrap,
.band > .wrap {
  padding-top: 0;
}

.hero {
  display: grid;
  gap: 36px;
  padding: 72px 0 56px;
}

@media (min-width: 900px) {
  .hero {
    grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
    align-items: center;
    padding: 88px 0 72px;
  }
}

.mark {
  margin: 0 0 14px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  font-size: 0.74rem;
  font-weight: 700;
}

h1,
h2,
h3 {
  font-weight: 620;
}

h1 {
  margin: 0 0 18px;
  font-size: clamp(2.4rem, 6vw, 4.2rem);
  line-height: 1.05;
  letter-spacing: -0.04em;
}

h2 {
  margin: 0 0 12px;
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  letter-spacing: -0.03em;
}

h3 {
  margin: 0 0 8px;
  font-size: 1.05rem;
}

.lead,
.card p,
.step p,
.aside li,
.band p,
footer,
li {
  color: var(--soft);
  line-height: 1.65;
}

.lead {
  margin: 0 0 28px;
  font-size: 1.18rem;
  max-width: 38rem;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.download,
.ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 18px;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 650;
}

.download {
  border: 0;
  background: var(--accent);
  color: var(--accent-ink);
}

.ghost,
.download.secondary {
  border: 1px solid var(--line);
  background: transparent;
  color: var(--ink);
}

.aside {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: linear-gradient(180deg, #16243a 0%, #10182c 100%);
  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.28);
}

.aside h2 {
  font-size: 1.15rem;
}

.aside ol {
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
  counter-reset: aside;
}

.aside li {
  position: relative;
  margin: 0;
  padding: 14px 0 14px 42px;
  border-top: 1px solid var(--line);
  color: var(--ink);
}

.aside li::before {
  counter-increment: aside;
  content: counter(aside);
  position: absolute;
  left: 0;
  top: 14px;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  background: rgba(62, 203, 255, 0.12);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  display: grid;
  place-items: center;
}

.band {
  padding: 56px 0;
  border-top: 1px solid var(--line);
}

.band.tint {
  background: rgba(21, 32, 56, 0.55);
}

.grid {
  display: grid;
  gap: 16px;
}

.grid.two {
  grid-template-columns: 1fr;
}

.grid.three,
.grid.four {
  grid-template-columns: 1fr;
}

@media (min-width: 720px) {
  .grid.two,
  .grid.four {
    grid-template-columns: 1fr 1fr;
  }

  .grid.three {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

@media (min-width: 980px) {
  .grid.four {
    grid-template-columns: repeat(4, 1fr);
  }
}

.card,
.step {
  padding: 22px 22px 8px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--panel);
  min-height: 180px;
}

.step {
  min-height: 220px;
}

.num {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--accent);
  letter-spacing: 0.12em;
  font-size: 0.72rem;
  font-weight: 700;
}

.compare {
  display: grid;
  gap: 16px;
}

@media (min-width: 800px) {
  .compare {
    grid-template-columns: 1fr 1fr;
  }
}

.compare article {
  padding: 24px;
  border-radius: 16px;
  border: 1px solid var(--line);
}

.compare .yes {
  background: #15243a;
  border-color: rgba(62, 203, 255, 0.35);
}

.compare .no {
  background: #121820;
}

.compare ul {
  margin: 12px 0 0;
  padding-left: 1.15rem;
}

.notice {
  display: grid;
  gap: 18px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--panel);
}

@media (min-width: 800px) {
  .notice {
    grid-template-columns: 1.3fr auto;
    align-items: center;
  }
}

.contact-row {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  font-size: 1.05rem;
}

.contact-row a {
  color: var(--accent);
}

footer {
  padding: 0 0 48px;
  color: var(--muted);
  font-size: 0.92rem;
}

ul {
  margin: 0;
  padding-left: 1.2rem;
}

code {
  font-family: ui-monospace, SFMono-Regular, Menlo, monospace;
  font-size: 0.92em;
}

pre {
  overflow-x: auto;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #0b1224;
  color: #c5d4e4;
  font-family: ui-monospace, SFMono-Regular, Menlo, monospace;
  font-size: 0.85rem;
  line-height: 1.5;
}

.finder {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0 0 22px;
}

.finder input {
  flex: 1 1 240px;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #0b1224;
  color: var(--ink);
  font: inherit;
}

.finder button {
  min-height: 48px;
  padding: 12px 18px;
  border: 0;
  border-radius: 10px;
  background: var(--accent);
  color: var(--accent-ink);
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}

/* NEW FEATURE — starter IBR request form */
.claim {
  display: grid;
  gap: 10px;
  max-width: 36rem;
}

.claim label {
  margin-top: 6px;
  color: var(--muted);
  font-size: 0.92rem;
}

.claim input {
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #0b1224;
  color: var(--ink);
  font: inherit;
}

.claim button {
  margin-top: 8px;
  cursor: pointer;
  border: 0;
  font: inherit;
}

.claim button:disabled {
  opacity: 0.6;
  cursor: wait;
}

.claim .hp {
  position: absolute;
  left: -9999px;
  height: 0;
  width: 0;
  overflow: hidden;
}

.claim-status {
  margin: 8px 0 0;
}

.claim-status.ok {
  color: var(--accent);
}

.claim-status.err {
  color: #ffb4b4;
}

.stats {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin: 0 0 18px;
  color: var(--muted);
}

.ledger-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--panel);
}

.ledger {
  width: 100%;
  border-collapse: collapse;
}

.ledger th,
.ledger td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  font-size: 0.92rem;
  white-space: nowrap;
}

.ledger th {
  color: var(--muted);
  font-weight: 650;
}

.ledger tr:last-child td {
  border-bottom: 0;
}

.ledger a {
  color: var(--accent);
  text-decoration: none;
}

.ledger .amt {
  font-variant-numeric: tabular-nums;
  font-weight: 700;
}

.detail {
  display: grid;
  gap: 8px;
  margin-top: 8px;
}

.detail code {
  overflow-wrap: anywhere;
  word-break: break-all;
}

main:not(.page) {
  width: min(820px, calc(100% - 40px));
  margin: 0 auto;
  padding: 56px 0 32px;
}

.policy h2 {
  margin-top: 2.2rem;
  font-size: 1.35rem;
}

.policy p {
  margin: 0 0 0.9rem;
  line-height: 1.65;
  color: var(--soft);
}

.policy .lead,
.policy .warn {
  color: var(--ink);
}

.policy .warn {
  padding: 14px 16px;
  border: 1px solid rgba(62, 203, 255, 0.35);
  border-radius: 14px;
  background: rgba(62, 203, 255, 0.08);
}