/* styles.css — FeeWorth global stylesheet
 * Contains all CSS: reset, variables (injected by config.js), typography,
 * component styles, layout, responsive breakpoints, and animations.
 * Loaded via <link rel="stylesheet" href="styles.css"> in index.html.
 */

/* Base reset — removes default browser spacing and sets consistent box-sizing across all elements */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
/* :root CSS vars are injected by config.js → CS_CONFIG.CSS_VARS */
body{background:var(--bg);font-family:'Inter',-apple-system,sans-serif;color:var(--tx);overscroll-behavior:none;min-height:100vh;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:14px;line-height:1.6}
canvas#bg{display:none}
#root{position:relative;z-index:1}
body::before{display:none}
body::after{display:none}
/* Keyframes */
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
@keyframes slideSheet{from{transform:translateY(100%)}to{transform:translateY(0)}}
@keyframes popIn{from{opacity:0;transform:scale(.91)}to{opacity:1;transform:scale(1)}}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.45}}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes glow{0%,100%{box-shadow:0 0 20px rgba(13,115,119,.12)}50%{box-shadow:0 0 44px rgba(13,115,119,.22)}}
@keyframes shimmer{0%{background-position:-200% center}100%{background-position:200% center}}
@keyframes cardShimmer{0%{transform:translateX(-160%) skewX(-18deg)}100%{transform:translateX(260%) skewX(-18deg)}}
@keyframes quizSlideIn{from{opacity:0;transform:translateX(28px)}to{opacity:1;transform:translateX(0)}}
.quiz-slide{animation:quizSlideIn .22s cubic-bezier(.25,.46,.45,.94) both}
.quiz-opt:hover{background:var(--s3)!important;border-color:var(--br3)!important}
.fu{animation:fadeUp .28s ease both}
.fu:nth-child(1){animation-delay:.04s}
.fu:nth-child(2){animation-delay:.08s}
.fu:nth-child(3){animation-delay:.12s}
.fu:nth-child(4){animation-delay:.16s}
.fu:nth-child(5){animation-delay:.20s}
.fu:nth-child(6){animation-delay:.24s}
.fu:nth-child(7){animation-delay:.28s}
.fu:nth-child(8){animation-delay:.32s}
.pi{animation:popIn .22s cubic-bezier(.34,1.56,.64,1) both}
::-webkit-scrollbar{width:2px;height:2px}
::-webkit-scrollbar-thumb{background:rgba(25,28,30,.18);border-radius:99px}
input,select,button{font-family:inherit}
.hscroll{display:flex;gap:8px;overflow-x:auto;padding:2px 0;scrollbar-width:none}
.hscroll::-webkit-scrollbar{display:none}
/* Typography — font families, sizes, and text styling used throughout the app */
.grad-text{
  font-family:'Playfair Display',Georgia,serif;font-style:italic;
  color:var(--tx);letter-spacing:-0.5px}
.logo-text{
  font-family:'Playfair Display',Georgia,serif;font-style:italic;
  font-size:28px;font-weight:500;color:var(--tx);letter-spacing:-0.3px}
.gold-text{color:var(--acc)}
.grn-text{color:var(--grn2)}
/* Precise mono for financial values */
.stat-val,.mono{font-family:'Source Code Pro',monospace;font-weight:600}
/* Global transitions for interactive elements */
a,button,input,select,.surf,.wallet-card,.tip-card,.cat-tile,.benefit-item{transition:all .2s ease}
/* Focus states — teal outline for accessibility */
:focus-visible{outline:2px solid var(--acc);outline-offset:2px;border-radius:4px}
button:focus-visible,a:focus-visible{outline:2px solid var(--acc);outline-offset:2px}
/* Top navigation bar — the sticky header with the FeeWorth logo and tab buttons */
.top-nav{position:sticky;top:0;z-index:200;
  background:#ffffff;box-shadow:none}
.top-nav::after{display:none}
.top-nav-brand{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;
  padding:14px 24px;border-bottom:1px solid var(--br2)}
.top-nav-brand-left{display:flex;align-items:center}
.top-nav-brand-title{display:flex;flex-direction:column;align-items:center;gap:2px}
.top-nav-brand-right{display:flex;align-items:center;justify-content:flex-end;gap:8px}
/* Tab strip — clean bottom navigation with teal active state */
.top-nav-tabs{display:flex;justify-content:center;overflow-x:auto;scrollbar-width:none;
  padding:0;gap:0;background:#ffffff;border-bottom:1px solid #e2e8f0}
.top-nav-tabs::-webkit-scrollbar{display:none}
.nav-tab{display:flex;flex-direction:row;align-items:center;gap:7px;padding:16px 24px;cursor:pointer;
  background:transparent;border:none;border-top:2.5px solid transparent;border-bottom:none;
  transition:all .2s;flex-shrink:0;position:relative;min-height:44px}
.nav-tab:hover{background:rgba(13,115,119,.04);opacity:1}
.nav-tab.active{border-top-color:var(--acc)}
.nav-tab.active:hover{opacity:1}
.nav-tab-icon{display:flex;align-items:center;color:#64748b;transition:color .2s}
.nav-tab-icon svg{width:18px;height:18px}
.nav-tab.active .nav-tab-icon{color:var(--acc)}
.nav-tab-label{font-size:13px;font-weight:600;font-family:'Inter',sans-serif;
  color:#64748b;transition:color .2s;white-space:nowrap;letter-spacing:1.5px;text-transform:uppercase}
.nav-tab.active .nav-tab-label{color:var(--acc);font-weight:700}
.nav-tab-sub{display:none}
/* Surface styles — the white card-like containers that hold content sections */
.surf{background:#ffffff;border:1px solid var(--br2);border-radius:12px;padding:16px;
  box-shadow:0 1px 3px rgba(0,0,0,.08);transition:box-shadow .2s,transform .2s}
.surf:hover{box-shadow:0 4px 12px rgba(0,0,0,.1);transform:translateY(-1px)}
.surf2{background:var(--s3);border:1px solid var(--br2);border-radius:12px;padding:14px}
.surf-glow{
  background:var(--gld3);
  border:1px solid rgba(13,115,119,.15);border-radius:12px;padding:16px}
/* Form inputs and buttons — text fields, dropdowns, and clickable buttons */
.inp{width:100%;background:#ffffff;border:1.5px solid var(--br2);border-radius:12px;padding:12px 16px;color:var(--tx);font-size:14px;outline:none;transition:border .2s,box-shadow .2s;
  box-shadow:none}
.inp:focus{border-color:var(--acc);box-shadow:0 0 0 3px rgba(13,115,119,.1)}
.inp::placeholder{color:var(--tx3)}
.btn{
  background:#0f172a;
  color:#ffffff;border:none;border-radius:12px;padding:16px 32px;
  font-size:16px;font-weight:600;cursor:pointer;
  transition:opacity .2s,transform .2s,box-shadow .2s;
  font-family:'Inter',sans-serif;letter-spacing:.3px;
  box-shadow:0 2px 8px rgba(15,23,42,.15);min-height:44px}
.btn:hover{opacity:.88;transform:translateY(-1px);box-shadow:0 6px 20px rgba(15,23,42,.22)}
.btn:active{transform:translateY(0)}
.btn-sm{padding:6px 13px;font-size:11px;border-radius:8px}
.btn-ghost{background:var(--s3);color:var(--tx);border:1px solid var(--br2);border-radius:8px;padding:7px 14px;font-size:12px;cursor:pointer;font-weight:600;transition:all .2s;
  box-shadow:none;min-height:44px}
.btn-ghost:hover{background:var(--s4);color:var(--tx)}
/* Pills and badges — small rounded labels used for categories and status indicators */
.pill{display:inline-flex;align-items:center;gap:5px;padding:6px 14px;border-radius:99px;font-size:11px;font-weight:600;cursor:pointer;border:1.5px solid transparent;transition:all .2s;white-space:nowrap;min-height:44px}
.pill-a{background:#0f172a;color:#ffffff;border-color:transparent}
.pill-i{background:#ffffff;color:var(--tx2);border-color:var(--br2);box-shadow:none}
.pill-i:hover{background:var(--s3);color:var(--tx)}
/* Category tiles — the colored squares showing spending categories like Dining, Travel, etc. */
.cat-tile{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;border-radius:12px;padding:13px 6px;cursor:pointer;border:1px solid var(--br2);transition:all .2s;background:#ffffff;position:relative;overflow:hidden;
  box-shadow:0 1px 3px rgba(0,0,0,.04);min-height:44px}
.cat-tile::after{content:'';position:absolute;inset:0;background:transparent;pointer-events:none}
.cat-tile:hover{transform:translateY(-2px);box-shadow:0 4px 12px rgba(0,0,0,.08)}
.cat-tile.sel{transform:scale(1.03);border-color:var(--acc);background:var(--gld3)}

/* Category info note — expandable ambiguity clarification */
.cat-info-btn{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;
  border-radius:99px;border:1.5px solid #d1d5db;background:transparent;cursor:pointer;
  transition:all .2s;flex-shrink:0;padding:0}
.cat-info-btn:hover{border-color:var(--acc);background:var(--gld3)}
.cat-info-btn svg{display:block}
.cat-note{font-family:'Inter',sans-serif;font-size:12px;line-height:1.55;color:var(--tx2);
  padding:10px 14px;margin:8px 0 4px;border-radius:8px;border-left:2px solid var(--br3);
  background:var(--s3);animation:fadeUp .2s ease both}

/* Portal earn rate rows */
.portal-row{display:flex;align-items:center;gap:8px;padding:7px 10px;margin:4px 0;
  border-radius:8px;border-left:2px solid rgba(13,115,119,.4);background:rgba(230,245,245,.6)}
.portal-badge{font-family:'Inter',sans-serif;font-size:9px;font-weight:700;letter-spacing:.5px;
  text-transform:uppercase;color:var(--acc);padding:2px 7px;border-radius:99px;
  background:rgba(13,115,119,.1);border:1px solid rgba(13,115,119,.2);white-space:nowrap}
.portal-note{font-family:'Inter',sans-serif;font-size:11px;color:var(--tx3);line-height:1.4;
  margin-top:6px;padding:0 2px}

/* Portal section divider */
.portal-section{margin-top:12px;padding-top:12px;border-top:1px solid var(--br)}
.portal-section-label{font-family:'Inter',sans-serif;font-size:10px;font-weight:700;
  letter-spacing:.8px;text-transform:uppercase;color:var(--tx3);margin-bottom:8px;
  display:flex;align-items:center;gap:5px}

/* Card art — the visual credit card rendering with gradients, logos, and chip icons */
.card-art{
  border-radius:12px;padding:10px 12px;
  display:flex;flex-direction:column;justify-content:space-between;
  height:80px;position:relative;overflow:hidden;flex-shrink:0;width:130px;
  box-shadow:0 4px 16px rgba(15,23,42,.18),inset 0 1px 0 rgba(255,255,255,.12)}
.card-art::before{content:'';position:absolute;bottom:-25%;left:-15%;width:72%;height:72%;background:rgba(255,255,255,.07);border-radius:50%;pointer-events:none}
.card-art::after{content:'';position:absolute;top:-10%;left:0;width:40%;height:120%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.16),transparent);
  transform:translateX(-160%) skewX(-18deg);
  animation:cardShimmer 4s ease-in-out infinite;pointer-events:none}
/* Modal and bottom sheet — the slide-up panels used for strategy details and card info */
.sheet-overlay{position:fixed;inset:0;background:rgba(15,23,42,.45);backdrop-filter:blur(8px);z-index:400;display:flex;align-items:flex-end;justify-content:center}
.sheet{
  background:#ffffff;
  border-radius:16px 16px 0 0;width:100%;max-width:700px;max-height:91vh;overflow-y:auto;
  padding:0 0 56px;
  border-top:2px solid var(--acc);
  box-shadow:0 -8px 32px rgba(15,23,42,.12);
  animation:slideSheet .3s cubic-bezier(.34,1.56,.64,1)}
/* Badges — small labeled indicators like "Business" or "New" shown on cards */
.badge{display:inline-block;padding:2px 8px;border-radius:99px;font-size:10px;font-weight:700;letter-spacing:.3px}
.biz-badge{background:var(--gld3);color:var(--acc);border:1px solid rgba(13,115,119,.2)}
.new-badge{background:rgba(16,185,129,.08);color:#065f46;border:1px solid rgba(16,185,129,.18)}
/* Stats grid — the dashboard number boxes showing fees, benefit value, and points earned */
.stats-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:16px}
.stat-box{background:#ffffff;border:1px solid var(--br2);border-radius:12px;padding:14px 8px;text-align:center;
  box-shadow:0 1px 3px rgba(0,0,0,.08)}
.stat-val{font-size:22px;font-weight:700;letter-spacing:-.5px;line-height:1;font-family:'Source Code Pro',monospace}
.stat-lbl{font-size:9px;color:var(--tx2);margin-top:5px;font-weight:600;text-transform:uppercase;letter-spacing:.9px;font-family:'Inter',sans-serif}
/* ── PROGRESS BAR ── */
.prog-track{height:4px;background:var(--br2);border-radius:99px;overflow:hidden}
.prog-fill{height:100%;border-radius:99px;transition:width .6s cubic-bezier(.4,0,.2,1)}
/* Benefit checklist — the toggleable list items for tracking redeemed card perks */
.ben-row{display:flex;align-items:flex-start;gap:10px;padding:11px 0;border-bottom:1px solid var(--br2);margin-bottom:0}
.ben-check{width:20px;height:20px;border-radius:5px;border:1.5px solid var(--br3);flex-shrink:0;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .2s;margin-top:2px;background:#ffffff;min-width:20px;min-height:20px}
.ben-check.done{background:var(--grn2);border-color:var(--grn2)}
/* Tip cards — the advice cards in the Tips tab with category labels and value ratings */
.tip-card{background:#ffffff;border:1px solid #e5e7eb;border-radius:12px;padding:16px;margin-bottom:10px;cursor:pointer;transition:all .2s;
  box-shadow:0 1px 3px rgba(0,0,0,.08)}
.tip-card:hover{box-shadow:0 4px 12px rgba(0,0,0,.1);transform:translateY(-1px)}
.tip-card.open{background:#fafaf8;box-shadow:0 2px 10px rgba(0,0,0,.06)}
.tip-card.tip-unlock{border-left:3px solid rgba(13,115,119,.4)}
.tip-title{font-family:'Inter',sans-serif !important;font-size:15px !important;font-weight:600 !important;line-height:1.4;color:#0f172a;margin-bottom:6px}
.tip-body{font-family:'Inter',sans-serif !important;font-size:13px !important;font-weight:400 !important;line-height:1.65;color:#4b5563}
.tip-body strong{font-weight:600 !important;color:#1a1a2e}
.tip-section-pill{display:inline-flex;align-items:center;padding:6px 16px;border-radius:999px;font-size:13px;font-weight:500;cursor:pointer;border:none;transition:all .2s;white-space:nowrap;font-family:'Inter',sans-serif;min-height:44px}
.tip-section-pill.active{background:var(--acc);color:#ffffff}
.tip-section-pill.inactive{background:#f8f8f6;color:var(--tx)}
.tip-section-pill.inactive:hover{background:#f0f0ec}
.tip-sub-label{font-family:'Inter',sans-serif;font-size:10px;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:#9ca3af;display:flex;align-items:center;gap:6px;margin:20px 0 12px}
.tip-requires-chip{font-family:'Inter',sans-serif;display:inline-flex;align-items:center;gap:4px;background:var(--gld3);color:#065f46;border:1px solid rgba(13,115,119,.3);border-radius:999px;padding:2px 10px;font-size:11px;font-weight:500;white-space:nowrap;transition:all .2s}
a.tip-requires-chip:hover{background:rgba(13,115,119,.12);border-color:var(--acc);color:#0a5c5f}
/* ── SECTION HEADER ── */
.section-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.section-title{
  font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--tx2);
  display:flex;align-items:center;gap:7px;font-family:'Inter',sans-serif}
.section-title::before{
  content:'';display:inline-block;width:2px;height:14px;
  background:linear-gradient(to bottom,var(--acc),rgba(13,115,119,0));
  border-radius:2px;flex-shrink:0}
/* ── VALUE METER ── */
.value-badge{display:inline-flex;align-items:center;gap:2px}
.value-badge span{width:7px;height:7px;border-radius:2px;opacity:.15}
.value-badge span.lit{opacity:1}
/* Apply button — the teal call-to-action button linking to card application pages */
.apply-btn{
  display:inline-flex;align-items:center;gap:6px;padding:10px 20px;
  background:#0f172a;
  border:none;border-radius:12px;
  color:#ffffff;font-size:13px;font-weight:600;
  cursor:pointer;text-decoration:none;transition:all .2s;letter-spacing:.3px;
  font-family:'Inter',sans-serif;min-height:44px}
.apply-disclose{font-size:10px;color:var(--tx3);margin-top:5px;line-height:1.4;font-weight:400}
.apply-btn:hover{
  opacity:.88;transform:translateY(-1px);
  box-shadow:0 4px 16px rgba(15,23,42,.18)}
/* ── GLOW CARDS ── */
.glow-card{position:relative}
.glow-card::before{content:'';position:absolute;inset:-1px;border-radius:13px;
  background:linear-gradient(135deg,rgba(13,115,119,.08),rgba(13,115,119,.03),transparent);
  z-index:-1;opacity:0;transition:opacity .3s}
.glow-card:hover::before{opacity:1}
/* ── PAGE HEADERS ── */
.page-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:40px;flex-wrap:wrap;gap:16px}
.page-title{font-family:'Playfair Display',Georgia,serif;font-size:48px;font-weight:700;letter-spacing:-0.5px;color:#0f172a;line-height:1.1}
.page-subtitle{font-family:'Inter',sans-serif;font-size:18px;color:#6b7280;margin-top:4px}
.page-action{display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(135deg,#03071d,#1a1f36);color:#fff;
  border:none;border-radius:12px;padding:14px 28px;font-size:14px;font-weight:600;
  font-family:'Inter',sans-serif;cursor:pointer;
  box-shadow:0 4px 16px rgba(3,7,29,.18);transition:transform .2s,box-shadow .2s;min-height:44px}
.page-action:hover{transform:scale(0.98);box-shadow:0 6px 20px rgba(3,7,29,.25)}
/* ── WALLET CARD GRID ── */
.wallet-card-grid{display:grid;grid-template-columns:1fr;gap:24px}
.wallet-card{display:flex;flex-direction:column;background:#fff;border-radius:12px;
  overflow:hidden;box-shadow:0 1px 3px rgba(0,0,0,.08);transition:box-shadow .2s,transform .2s;cursor:pointer}
.wallet-card:hover{box-shadow:0 8px 24px rgba(0,0,0,.1);transform:translateY(-1px)}
.wallet-card-art{aspect-ratio:1.586/1;padding:24px;display:flex;flex-direction:column;
  justify-content:space-between;color:#fff;position:relative;overflow:hidden}
.wallet-card-art::before{content:'';position:absolute;top:-64px;right:-64px;width:128px;height:128px;
  background:rgba(255,255,255,.1);border-radius:50%;filter:blur(40px);pointer-events:none}
.wallet-card-info{padding:20px 24px}
.wallet-card-name{font-family:'Inter',sans-serif;font-size:18px;font-weight:700;line-height:1.2}
.wallet-card-issuer{font-family:'Inter',sans-serif;font-size:14px;color:#6b7280;margin-top:2px}
.wallet-card-fee-wrap{text-align:right;flex-shrink:0}
.wallet-card-fee-label{font-size:10px;font-weight:600;color:#6b7280;text-transform:uppercase;letter-spacing:0.5px}
.wallet-card-fee{font-family:'Source Code Pro',monospace;font-size:18px;font-weight:700}
.wallet-card-tags{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.wallet-card-tag{padding:4px 8px;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;border-radius:4px}
.wallet-empty-slot{display:flex;flex-direction:column;align-items:center;justify-content:center;
  border:2px dashed rgba(13,115,119,.2);border-radius:12px;background:#f2f4f7;
  padding:32px;cursor:pointer;transition:all .2s;min-height:200px}
.wallet-empty-slot:hover{border-color:rgba(13,115,119,.4);background:#eceef1}
/* ── BENEFIT ITEM ── */
.benefit-item{background:#fff;border-radius:12px;overflow:hidden;transition:all .2s;
  border-left:4px solid transparent;box-shadow:0 1px 3px rgba(0,0,0,.08);margin-bottom:12px}
.benefit-item:hover{box-shadow:0 4px 12px rgba(0,0,0,.1);transform:translateY(-1px)}
.benefit-icon-box{width:48px;height:48px;border-radius:12px;display:flex;
  align-items:center;justify-content:center;flex-shrink:0;font-size:18px}
.benefit-header{padding:16px 20px;display:flex;align-items:center;justify-content:space-between;cursor:pointer}
.benefit-header-left{display:flex;align-items:center;gap:16px;flex:1;min-width:0}
.benefit-name{font-family:'Inter',sans-serif;font-size:18px;font-weight:600;color:#0f172a}
.benefit-issuer-tag{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;opacity:.5}
.benefit-value-badge{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;
  padding:3px 8px;border-radius:4px}
.benefit-period-badge{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;
  padding:3px 8px;border-radius:4px;background:#e0e3e6;color:#46464d}

/* Responsive breakpoints — layout adjustments for tablets (768px+) and desktops (1024px+) */
/* Tablet ≥768px */
@media(min-width:768px){
  .top-nav-brand{padding-left:24px;padding-right:24px}
  .top-nav-tabs{padding-left:28px;padding-right:28px}
  .card-browser-grid{grid-template-columns:repeat(3,1fr)!important}
  .cat-grid{grid-template-columns:repeat(4,1fr)!important}
  .tips-list{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:start}
  .tips-list .tip-card{margin-bottom:0}
  .merchants-list{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:start}
  .merchants-list .tip-card{margin-bottom:0}
  .wallet-card-grid{grid-template-columns:repeat(2,1fr)}
}
/* Desktop ≥1024px */
@media(min-width:1024px){
  /* Nav: centered masthead layout on desktop */
  .top-nav-brand{padding:20px 32px 16px}
  .top-nav-brand .logo-text{font-size:28px!important}
  .top-nav-tabs{overflow-x:visible;padding:0 64px}
  .nav-tab{padding:13px 22px 14px}
  /* Content area: centered, padded */
  .tab-content-wrap{max-width:1400px;margin:0 auto;padding:0 48px}
  /* Tips: 2 columns */
  .tips-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:start}
  .tips-list .tip-card{margin-bottom:0}
  /* Benefits: 2 columns */
  .benefits-list{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
  .benefits-list>div{margin-bottom:0!important}
  /* Strategies: 2 columns */
  .strats-list{display:grid;grid-template-columns:1fr 1fr;gap:10px;align-items:start}
  .strats-list>.surf{margin-bottom:0!important}
  /* Category tiles: 5 columns */
  .cat-grid{grid-template-columns:repeat(5,1fr)!important}
  /* Add-cards browser: 3 columns */
  .card-browser-grid{grid-template-columns:repeat(3,1fr)!important}
  /* Wallet my-cards: 2 columns */
  .wallet-cards-list{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:start}
  .wallet-cards-list>.surf{margin-bottom:0!important}
  /* Wallet card grid: 3 columns on desktop */
  .wallet-card-grid{grid-template-columns:repeat(3,1fr)}
  /* Merchant offers: 2 columns */
  .merchants-list{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:start}
  .merchants-list .tip-card{margin-bottom:0}
  /* Stats bar: expand across the row */
  .stats-grid{grid-template-columns:repeat(6,1fr)}
}
/* Wide desktop ≥1280px */
@media(min-width:1280px){
  .cat-grid{grid-template-columns:repeat(6,1fr)!important}
  .card-browser-grid{grid-template-columns:repeat(4,1fr)!important}
  .wallet-cards-list{grid-template-columns:repeat(3,1fr)}
  .merchants-list{grid-template-columns:repeat(3,1fr)}
  .benefits-list{grid-template-columns:repeat(3,1fr)}
  .tips-list{grid-template-columns:repeat(3,1fr)}
}
/* Authentication styles — the login/signup modal and sign-in button */
.auth-btn{display:flex;align-items:center;gap:5px;padding:8px 18px;border-radius:8px;
  border:none;background:#0f172a;cursor:pointer;
  font-size:13px;font-weight:500;color:#ffffff;font-family:'Inter',sans-serif;
  transition:opacity .2s;white-space:nowrap;min-height:44px}
.auth-btn:hover{opacity:.85;box-shadow:none}
.auth-avatar{width:20px;height:20px;border-radius:50%;object-fit:cover}
.auth-initial{width:20px;height:20px;border-radius:50%;background:#0f172a;
  color:#fff;font-size:9px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.auth-wrap{position:relative}
.auth-dropdown{position:absolute;right:0;top:calc(100% + 6px);min-width:170px;
  background:#ffffff;border:1px solid var(--br2);border-radius:12px;
  box-shadow:0 8px 24px rgba(15,23,42,.1);padding:8px;z-index:300}
.auth-dropdown-name{font-size:11px;color:var(--tx3);padding:4px 8px 8px;
  border-bottom:1px solid var(--br);margin-bottom:6px;
  white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.auth-dropdown-btn{width:100%;text-align:left;padding:7px 10px;border:none;
  background:transparent;border-radius:8px;cursor:pointer;font-size:12px;
  color:var(--tx2);font-family:'Inter',sans-serif;font-weight:500;min-height:44px}
.auth-dropdown-btn:hover{background:var(--s3)}
.auth-modal-overlay{position:fixed;inset:0;z-index:400;background:rgba(15,23,42,.45);
  backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);
  display:flex;align-items:center;justify-content:center;padding:20px}
.auth-modal{background:#ffffff;border:1px solid var(--br2);border-radius:16px;
  padding:28px 24px;width:100%;max-width:360px;position:relative;
  box-shadow:0 16px 48px rgba(15,23,42,.12);animation:popIn .2s cubic-bezier(.34,1.56,.64,1) both}
.auth-modal h2{font-family:'Playfair Display',Georgia,serif;font-style:italic;
  font-size:24px;font-weight:700;color:var(--tx);margin-bottom:4px}
.auth-modal-sub{font-size:13px;color:var(--tx3);margin-bottom:22px}
.auth-google-btn{width:100%;padding:11px;border:1px solid var(--br2);border-radius:12px;
  background:var(--s1);cursor:pointer;font-size:13px;font-weight:600;color:var(--tx);
  font-family:'Inter',sans-serif;display:flex;align-items:center;justify-content:center;
  gap:8px;transition:border-color .2s,box-shadow .2s;margin-bottom:16px;min-height:44px}
.auth-google-btn:hover{border-color:var(--br3);box-shadow:0 2px 10px rgba(25,28,30,.08)}
.auth-google-btn:disabled{opacity:.6;cursor:default}
.auth-divider{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.auth-divider::before,.auth-divider::after{content:'';flex:1;height:1px;background:var(--br)}
.auth-divider span{font-size:11px;color:var(--tx4)}
.auth-input{width:100%;padding:10px 12px;border:1px solid var(--br2);border-radius:12px;
  background:var(--bg);font-size:13px;color:var(--tx);font-family:'Inter',sans-serif;
  margin-bottom:10px;outline:none;transition:border-color .2s;display:block}
.auth-input:focus{border-color:var(--acc)}
.auth-submit{width:100%;padding:11px;border:none;border-radius:12px;
  background:#0f172a;color:#fff;font-size:13px;font-weight:700;
  font-family:'Inter',sans-serif;cursor:pointer;margin-top:2px;transition:opacity .2s;min-height:44px}
.auth-submit:hover:not(:disabled){opacity:.88}
.auth-submit:disabled{opacity:.6;cursor:default}
.auth-toggle{font-size:12px;color:var(--tx3);text-align:center;margin-top:14px;cursor:pointer}
.auth-toggle span{color:var(--acc);font-weight:600}
.auth-error{font-size:12px;color:var(--red2);margin-bottom:10px;padding:8px 10px;
  background:rgba(220,38,38,.07);border-radius:8px;line-height:1.4}
.auth-modal-close{position:absolute;top:14px;right:14px;background:rgba(0,0,0,.05);
  border:none;font-size:15px;cursor:pointer;color:var(--tx3);
  width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.auth-sync-badge{font-size:9px;color:var(--grn2);font-weight:700;
  background:rgba(22,163,74,.1);border-radius:99px;padding:2px 6px}
/* Newsletter signup — the email subscription form and checkbox styles */
.nl-check-wrap{display:flex;align-items:flex-start;gap:10px;margin:14px 0 4px;cursor:pointer}
.nl-check-wrap input[type="checkbox"]{display:none}
.nl-check-box{width:18px;height:18px;border:1.5px solid #d1d5db;border-radius:4px;
  flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:all .2s;margin-top:1px}
.nl-check-wrap input:checked+.nl-check-box{background:var(--acc);border-color:var(--acc)}
.nl-check-box svg{opacity:0;transition:opacity .2s}
.nl-check-wrap input:checked+.nl-check-box svg{opacity:1}
.nl-check-label{font-size:14px;color:#374151;line-height:1.4;user-select:none}
/* ── STANDALONE NEWSLETTER ─────────────────────────────────────────────────── */
.nl-standalone{padding:28px 24px;text-align:center;max-width:560px;margin:0 auto}
.nl-standalone-title{font-family:'Inter',sans-serif;font-weight:600;
  font-size:16px;color:var(--tx2);margin-bottom:14px}
.nl-standalone-form{display:flex;gap:8px;justify-content:center;flex-wrap:wrap}
.nl-standalone-input{padding:10px 14px;border:1px solid var(--br2);border-radius:8px;
  font-size:13px;font-family:inherit;background:var(--bg);color:var(--tx);outline:none;
  min-width:200px;flex:1;max-width:320px}
.nl-standalone-input:focus{border-color:var(--acc)}
.nl-standalone-btn{padding:10px 20px;background:var(--acc);color:#fff;border:none;
  border-radius:8px;font-size:12px;font-weight:700;cursor:pointer;letter-spacing:.3px;
  white-space:nowrap;transition:opacity .2s;min-height:44px}
.nl-standalone-btn:hover{opacity:.88}
.nl-standalone-btn:disabled{opacity:.6;cursor:default}
.nl-standalone-msg{font-size:13px;margin-top:10px;line-height:1.4}
@media(max-width:480px){
  .nl-standalone-form{flex-direction:column;align-items:stretch}
  .nl-standalone-input{max-width:100%}
}
/* Newsletter popup modal — one-time overlay for new visitors */
.nl-popup-overlay{position:fixed;inset:0;z-index:9999;background:rgba(0,0,0,.45);
  backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
  display:flex;align-items:center;justify-content:center;
  animation:nlFadeIn .25s ease}
@keyframes nlFadeIn{from{opacity:0}to{opacity:1}}
@keyframes nlSlideUp{from{transform:translateY(100%)}to{transform:translateY(0)}}
.nl-popup{background:#fff;border-radius:16px;padding:36px 32px 28px;max-width:400px;width:90%;
  text-align:center;position:relative;box-shadow:0 20px 60px rgba(0,0,0,.18);
  animation:nlPopIn .3s cubic-bezier(.34,1.56,.64,1)}
@keyframes nlPopIn{from{opacity:0;transform:scale(.92)}to{opacity:1;transform:scale(1)}}
.nl-popup-close{position:absolute;top:12px;right:14px;background:none;border:none;
  font-size:22px;color:var(--tx3);cursor:pointer;line-height:1;padding:4px}
.nl-popup-close:hover{color:var(--tx)}
.nl-popup-icon{font-size:32px;margin-bottom:8px;opacity:.85}
.nl-popup-title{font-family:'Playfair Display',Georgia,serif;font-style:italic;
  font-size:22px;font-weight:700;color:var(--tx);margin-bottom:8px;line-height:1.25;
  background:linear-gradient(110deg,#0a5c5f,#14b8b8,#0d7377);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.nl-popup-sub{font-size:13px;color:var(--tx2);line-height:1.55;margin-bottom:20px}
.nl-popup-form{display:flex;flex-direction:column;gap:10px}
.nl-popup-input{padding:12px 14px;border:1.5px solid var(--br2);border-radius:12px;
  font-size:14px;font-family:inherit;background:var(--s3);color:var(--tx);outline:none;
  transition:border-color .2s}
.nl-popup-input:focus{border-color:var(--acc)}
.nl-popup-btn{padding:12px 20px;border:none;border-radius:12px;font-size:14px;font-weight:700;
  cursor:pointer;letter-spacing:.3px;transition:opacity .2s;color:#fff;
  background:linear-gradient(135deg,#0a5c5f,#14b8b8);min-height:44px}
.nl-popup-btn:hover{opacity:.9}
.nl-popup-btn:disabled{opacity:.6;cursor:default}
.nl-popup-dismiss{background:none;border:none;color:var(--tx3);font-size:12px;cursor:pointer;
  margin-top:16px;padding:4px 8px;transition:color .2s}
.nl-popup-dismiss:hover{color:var(--tx2)}
.nl-popup-msg{font-size:14px;line-height:1.5;padding:8px 0}
@media(max-width:767px){
  .nl-popup-overlay{align-items:flex-end}
  .nl-popup{border-radius:20px 20px 0 0;max-width:100%;width:100%;padding:32px 24px 28px;
    animation:nlSlideUp .3s ease}
}
/* Share Portfolio — button, modal, and rendered card image */
.share-portfolio-row{display:flex;justify-content:flex-end;margin:-8px 0 16px}
.share-portfolio-btn{display:inline-flex;align-items:center;gap:6px;padding:7px 14px;
  border-radius:8px;border:1px solid var(--br2);background:#fff;
  font-size:11px;font-weight:600;color:var(--tx2);cursor:pointer;
  font-family:'Inter',sans-serif;transition:all .2s;letter-spacing:.3px;min-height:44px}
.share-portfolio-btn:hover{background:var(--s3);border-color:var(--br3);color:var(--tx)}
.share-modal{background:#fff;border-radius:16px;padding:28px 24px 24px;max-width:440px;width:92%;
  margin:auto;position:relative;box-shadow:0 20px 60px rgba(0,0,0,.2);
  animation:popIn .25s cubic-bezier(.34,1.56,.64,1)}
.share-modal-title{font-family:'Playfair Display',Georgia,serif;font-style:italic;
  font-size:20px;font-weight:700;color:var(--tx);margin-bottom:16px;text-align:center}
.share-preview-wrap{margin-bottom:20px;display:flex;justify-content:center}
.share-preview-img{width:100%;max-width:380px;border-radius:12px;
  box-shadow:0 4px 16px rgba(0,0,0,.1);display:block}
.share-preview-loading{display:flex;flex-direction:column;align-items:center;gap:10px;
  padding:40px 0;color:var(--tx3);font-size:12px;font-weight:600}
.share-spinner{width:24px;height:24px;border:2.5px solid var(--br2);border-top-color:var(--acc);
  border-radius:50%;animation:spin .7s linear infinite}
.share-actions{display:flex;gap:8px;flex-wrap:wrap}
.share-action-btn{flex:1;min-width:100px;display:inline-flex;align-items:center;justify-content:center;
  gap:6px;padding:10px 12px;border-radius:12px;font-size:12px;font-weight:700;
  cursor:pointer;transition:all .2s;border:none;font-family:'Inter',sans-serif;min-height:44px}
.share-action-copy{background:var(--s3);color:var(--tx)}
.share-action-copy:hover{background:var(--s4)}
.share-action-x{background:#0f172a;color:#fff}
.share-action-x:hover{opacity:.88}
.share-action-dl{background:linear-gradient(135deg,#0a5c5f,#14b8b8);color:#fff}
.share-action-dl:hover{opacity:.9}
.share-action-btn:disabled{opacity:.4;cursor:default}
/* Rendered share card (offscreen, captured by html2canvas) */
.share-card-render{width:480px;padding:4px}
.share-card-inner{background:linear-gradient(145deg,#0f172a 0%,#1e293b 50%,#0f172a 100%);
  border-radius:20px;padding:36px 32px 28px;color:#fff;position:relative;overflow:hidden}
.share-card-inner::before{content:'';position:absolute;inset:0;
  background:repeating-linear-gradient(135deg,transparent,transparent 2px,rgba(255,255,255,.015) 2px,rgba(255,255,255,.015) 4px);
  pointer-events:none}
.share-card-logo{font-family:'Playfair Display',Georgia,serif;font-style:italic;
  font-size:28px;font-weight:700;color:#14b8b8;margin-bottom:4px}
.share-card-headline{font-family:'Inter',sans-serif;font-size:13px;font-weight:600;
  text-transform:uppercase;letter-spacing:2px;color:rgba(255,255,255,.5);margin-bottom:16px}
.share-card-divider{height:1px;background:rgba(255,255,255,.1);margin-bottom:20px}
.share-card-stats{display:flex;gap:32px;margin-bottom:16px}
.share-card-stat{flex:1}
.share-card-stat-val{font-family:'Source Code Pro',monospace;font-size:32px;font-weight:700;
  line-height:1.1;margin-bottom:4px}
.share-card-stat-lbl{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1px;
  color:rgba(255,255,255,.45)}
.share-card-details{display:flex;gap:8px;font-size:12px;color:rgba(255,255,255,.4);
  margin-bottom:20px;flex-wrap:wrap}
.share-card-footer{font-size:11px;color:rgba(20,184,184,.6);font-weight:600;
  letter-spacing:.5px;padding-top:12px;border-top:1px solid rgba(255,255,255,.06)}
@media(max-width:767px){
  .share-modal{max-width:100%;width:100%;border-radius:20px 20px 0 0;
    position:fixed;bottom:0;left:0;right:0;margin:0;
    animation:slideSheet .3s ease;max-height:90vh;overflow-y:auto}
  .share-actions{flex-direction:column}
  .share-action-btn{min-width:unset}
}
/* PWA install banner — the prompt encouraging users to add FeeWorth to their home screen */
.install-btn{display:flex;align-items:center;gap:4px;padding:5px 10px;border-radius:99px;
  border:1px solid var(--br2);background:#ffffff;cursor:pointer;
  font-size:11px;font-weight:600;color:var(--tx2);font-family:'Inter',sans-serif;
  transition:background .2s,border-color .2s;white-space:nowrap;min-height:44px}
.install-btn:hover{background:var(--s3);border-color:var(--br3)}
.ios-install-banner{
  position:fixed;bottom:0;left:0;right:0;z-index:500;
  display:flex;align-items:center;justify-content:space-between;gap:12px;
  padding:14px 18px;padding-bottom:calc(14px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.97);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border-top:1px solid var(--br2);
  box-shadow:0 -4px 16px rgba(0,0,0,.06);
  font-size:13px;color:var(--tx2);line-height:1.4;
  pointer-events:none}
.ios-install-banner span{pointer-events:none;user-select:none}
.ios-install-banner button{
  pointer-events:auto;background:none;border:none;cursor:pointer;
  color:var(--tx3);font-size:18px;line-height:1;padding:4px 6px;flex-shrink:0;
  -webkit-tap-highlight-color:transparent}
/* ── HOME HERO ── */
.home-hero{display:flex;align-items:center;gap:48px;padding:56px 8px 48px;max-width:1000px;margin:0 auto}
.home-hero-content{flex:1;min-width:0}
.home-hero-eyebrow{font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;
  color:var(--acc);margin-bottom:16px;font-family:'Inter',sans-serif}
.home-hero-title{font-family:'Playfair Display',Georgia,serif;font-size:72px;font-weight:700;
  color:var(--tx);line-height:1.05;margin-bottom:20px;letter-spacing:-1.5px}
.home-hero-subtitle{font-size:18px;color:var(--tx2);line-height:1.7;margin-bottom:28px;max-width:440px}
.home-hero-card{flex-shrink:0;width:400px;display:flex;align-items:center;justify-content:center}
.hero-card-mockup{width:380px;height:240px;transform:rotate(12deg);perspective:800px}
.hero-card-inner{width:100%;height:100%;border-radius:14px;padding:20px 24px;
  background:linear-gradient(135deg,#0f172a 0%,#1e3a5f 100%);
  color:#ffffff;display:flex;flex-direction:column;position:relative;overflow:hidden;
  border:1px solid rgba(255,255,255,.12);
  box-shadow:0 25px 60px rgba(0,0,0,.3)}
.hero-card-inner::before{content:'';position:absolute;inset:0;
  background:repeating-linear-gradient(135deg,transparent,transparent 2px,rgba(255,255,255,.015) 2px,rgba(255,255,255,.015) 4px);
  pointer-events:none}
.home-features-divider{width:100%;max-width:1000px;margin:0 auto;height:1px;background:var(--br2)}
.home-features{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:32px 8px 48px;max-width:1000px;margin:0 auto}
.cat-chip{display:inline-flex;align-items:center;border-radius:999px;padding:2px 10px;font-size:11px;font-weight:600;border:1px solid;white-space:nowrap;letter-spacing:.2px;text-transform:capitalize}
.home-feature-card{padding:32px 24px;text-align:center;border-left:3px solid var(--acc)}
.home-feature-icon{width:56px;height:56px;border-radius:50%;background:var(--acc);
  color:#fff;display:flex;align-items:center;justify-content:center;
  margin:0 auto 16px}
.home-feature-title{font-family:'Inter',sans-serif;
  font-size:20px;font-weight:700;color:var(--tx);margin-bottom:10px}
.home-feature-desc{font-size:15px;color:var(--tx2);line-height:1.6}
@media(max-width:767px){
  .home-hero{flex-direction:column;padding:32px 8px 24px;gap:32px;text-align:center}
  .home-hero-title{font-size:48px}
  .home-hero-subtitle{margin-left:auto;margin-right:auto}
  .home-hero-card{width:280px}
  .hero-card-mockup{width:260px;height:164px}
  .home-features{grid-template-columns:1fr;gap:16px}
  .page-title{font-size:32px}
  .page-header{margin-bottom:24px}
  .page-action{padding:12px 20px;font-size:13px}
  .benefit-name{font-size:15px}
  .wallet-card-art{padding:16px}
  /* Portal rows: stack rate below label on small screens */
  .portal-row{flex-wrap:wrap}
  .portal-row>span:last-child{width:100%;font-size:13px!important;margin-top:2px}
  .portal-note{font-size:10px}
  /* Category note: slightly smaller on mobile */
  .cat-note{font-size:11px;padding:8px 12px}
}

/* ── Renewal Advisor ────────────────────────────────────────────────────── */
.ra-selector{position:relative}
.ra-selector select{transition:border-color .2s}
.ra-selector select:focus{outline:none;border-color:var(--acc)}

/* ── Household Tab ─────────────────────────────────────────────────────── */
.hh-columns{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hh-stats-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px}
.hh-coverage-table th,.hh-coverage-table td{white-space:nowrap}
@media(max-width:600px){
  .hh-columns{grid-template-columns:1fr}
  .hh-stats-row{grid-template-columns:1fr}
  .hh-coverage-table{font-size:11px}
  .hh-coverage-table th,.hh-coverage-table td{padding:6px 4px}
}