/* MyLenderPage LO tools: AI ask box + chat panel, MBS scoreboard, payment toolbox.
   Ported from the bpteam preview and themed with each LO's --accent / --dark (set inline on <body> by build.py). */
:root{--deep:#070C18;--deep2:#0E1626;--glass:rgba(255,255,255,.05);--gline:rgba(255,255,255,.1);--dtext:#D5DBE6;--dmuted:#A7B0C2;
--up:#3DD68C;--down:#FF7A70;--flat:#A7B0C2;--tile-up:#1B7F50;--tile-down:#B23A32;--tile-flat:#A67C14;
--chart-1:var(--dark);--chart-2:#C2367F;--chart-3:var(--accent);--chart-4:#1597A6;
--pc-pi:var(--dark);--pc-tax:#C2367F;--pc-ins:var(--accent);--pc-mi:#1597A6;--pc-hoa:#9AA3B2;--pc-track:#E6E9EF;--ease:cubic-bezier(.2,.8,.2,1)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.btn-sm{min-height:40px;padding:0 14px;font-size:14.5px;border-radius:9px}
.btn-ghost-ink{border:2px solid var(--line);color:var(--dark);background:#fff}.btn-ghost-ink:hover{border-color:var(--dark)}
.btn-dark:hover{filter:brightness(1.15)}
.live-dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:#3DDC84;box-shadow:0 0 0 0 rgba(61,220,132,.6);animation:onl 2.4s infinite;margin-right:8px;vertical-align:1px}
@keyframes onl{0%{box-shadow:0 0 0 0 rgba(61,220,132,.55)}70%{box-shadow:0 0 0 9px rgba(61,220,132,0)}100%{box-shadow:0 0 0 0 rgba(61,220,132,0)}}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
.fine a{color:inherit}
/* header nav: six tool + profile links */
.top nav{gap:18px}.top nav a.navlink{white-space:nowrap}
.top nav a.navlink.navtool{color:var(--accent-ink)}
.top .apply-top{flex:none}
@media (max-width:1180px){.top nav{gap:14px}.top nav a{font-size:14px}}
@media (max-width:1060px){.top .wrap{flex-wrap:wrap;row-gap:0;padding-top:8px}.top nav{order:3;width:100%;overflow-x:auto;scrollbar-width:none;padding:6px 0 10px;gap:8px;justify-content:flex-start}.top nav::-webkit-scrollbar{display:none}
 .top nav a.navlink{display:inline-flex!important;border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:13.5px}.top nav a.navlink.navtool{border-color:color-mix(in srgb,var(--accent) 70%,#fff);background:color-mix(in srgb,var(--accent) 14%,#fff);color:var(--dark)}}
@media (max-width:820px){.top .wrap{min-height:60px}}
.hero .mbs-chip{display:inline-flex;align-items:center;margin-top:20px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff;font:500 14.5px var(--head);text-decoration:none}
.hero .mbs-chip:hover{background:rgba(255,255,255,.14)}
@media (max-width:820px){.hero .mbs-chip{font-size:13.5px}}
/* ---------- ask hero ---------- */
.ask-hero{background:linear-gradient(180deg,var(--dark2) 0,var(--dark2) 46%,#fff 46%);padding:0 0 48px;position:relative}
.ask-card{max-width:920px;margin:0 auto;position:relative;overflow:hidden;color:#fff;border-radius:24px;padding:30px 32px 24px;
 background:radial-gradient(120% 140% at 0% 0%,color-mix(in srgb,var(--dark) 85%,#fff 15%) 0,var(--dark) 45%,var(--deep) 100%);
 border:1px solid color-mix(in srgb,var(--accent) 55%,transparent);box-shadow:0 26px 70px rgba(10,14,30,.35),0 0 0 1px rgba(255,255,255,.04) inset}
.ask-card:before{content:"";position:absolute;right:-120px;top:-140px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--accent) 28%,transparent),transparent 70%);pointer-events:none}
.ask-head{display:flex;gap:18px;align-items:flex-start;position:relative}
.ask-av{flex:none;position:relative}.ask-av img{width:72px;height:72px;border-radius:50%;object-fit:cover;border:3px solid var(--accent);box-shadow:0 0 0 5px color-mix(in srgb,var(--accent) 18%,transparent)}
.ask-av .online{position:absolute;right:2px;bottom:2px;width:15px;height:15px;border-radius:50%;background:#3DDC84;border:3px solid var(--dark)}
.ask-card .eyebrow{margin:0 0 4px;color:var(--accent-soft)}
.ask-head h2{margin:.05em 0 .25em;font-size:clamp(26px,3.6vw,38px);color:#fff}
.ask-sub{margin:0;color:var(--dtext);max-width:60ch}.ask-sub strong{color:#fff}
.ask-box{position:relative;display:flex;gap:10px;margin:22px 0 14px;padding:8px;border-radius:18px;background:#fff;box-shadow:0 10px 30px rgba(0,0,0,.25);transition:box-shadow .2s}
.ask-box:focus-within{box-shadow:0 0 0 4px color-mix(in srgb,var(--accent) 45%,transparent),0 10px 30px rgba(0,0,0,.25)}
.ask-box input{flex:1;min-width:0;border:0;font:inherit;font-size:18px;padding:10px 12px;color:#1E2533;background:transparent}.ask-box input:focus{outline:none}
.ask-box .btn{min-height:52px;border-radius:13px;padding:0 22px}.ask-box .btn svg{width:18px;height:18px;fill:currentColor}
.ask-chips{display:flex;flex-wrap:wrap;gap:8px;position:relative}
.ask-chips button,.chips button,.chips a{font:500 14px var(--head);border-radius:999px;padding:8px 14px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.06);color:#fff;cursor:pointer;text-decoration:none;transition:background .15s,border-color .15s,transform .15s}
.ask-chips button:hover,.chips button:hover,.chips a:hover{background:color-mix(in srgb,var(--accent) 20%,transparent);border-color:var(--accent);transform:translateY(-1px)}
.ask-usage{display:flex;align-items:center;gap:12px;margin:18px 0 0;font-size:13.5px;color:var(--dmuted);position:relative;flex-wrap:wrap}
.ask-usage .ubar{flex:0 0 120px;height:6px;border-radius:9px;background:rgba(255,255,255,.12);overflow:hidden}.ask-usage .ubar i{display:block;height:100%;width:100%;background:linear-gradient(90deg,color-mix(in srgb,var(--accent) 70%,#000),var(--accent))}
.ask-usage b{color:#fff}
.ask-feats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:920px;margin:18px auto 0}
.ask-feats div{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--slate);background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 14px}
.ask-feats b{display:block;color:#1E2533;font:600 15px var(--head)}
.ask-feats .ic{flex:none;width:30px;height:30px;border-radius:9px;display:grid;place-items:center;background:var(--dark);color:var(--accent);font-size:15px}
@media (max-width:820px){.ask-hero{background:linear-gradient(180deg,var(--dark2) 0,var(--dark2) 28%,#fff 28%);padding-bottom:32px}.ask-card{padding:22px 18px 18px;border-radius:20px}.ask-head{gap:14px}.ask-av img{width:56px;height:56px}
 .ask-box{flex-direction:column;padding:6px}.ask-box .btn{width:100%}.ask-feats{grid-template-columns:1fr}}
/* ---------- section heading (tools) ---------- */
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:22px}
.sec-head h2{margin:0}.sec-head .lead{margin:8px 0 0}
.pill-note{display:inline-flex;align-items:center;gap:6px;font:600 12.5px var(--head);letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:6px 12px;border:1px solid currentColor}
/* ---------- MBS ---------- */
.mbs-sec{background:radial-gradient(900px 420px at 85% -10%,color-mix(in srgb,var(--dark) 70%,transparent),transparent 70%),linear-gradient(180deg,var(--deep2),var(--deep));color:var(--dtext);padding:72px 0}
.mbs-sec h2,.mbs-sec h3{color:#fff}.mbs-sec .eyebrow{color:var(--accent-soft)}.mbs-sec .lead{color:var(--dmuted)}.mbs-sec .pill-note{color:var(--accent-soft)}
.mbs-sec a{color:var(--accent-soft)}
.score{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.tile{background:var(--glass);border:1px solid var(--gline);border-radius:16px;padding:16px;position:relative;overflow:hidden;min-width:0}
.tile:before{content:"";position:absolute;inset:0 auto 0 0;width:4px;background:color-mix(in srgb,var(--accent) 60%,var(--dark))}
.tile h3{font:600 12px var(--head);text-transform:uppercase;letter-spacing:.1em;color:var(--dmuted);margin:0 0 6px}
.tile .val{font:700 26px/1.1 var(--head);color:#fff;font-variant-numeric:tabular-nums}
.tile .chg{font-weight:700;font-variant-numeric:tabular-nums;display:flex;align-items:center;gap:6px;margin-top:4px;font-size:15px}
.tile .src{font-size:11.5px;color:var(--dmuted);margin:8px 0 0;line-height:1.35}
.up{color:var(--up)}.down{color:var(--down)}.flat{color:var(--flat)}
.tile.bonds{grid-column:span 2;background:linear-gradient(135deg,var(--dark),color-mix(in srgb,var(--dark) 60%,#000));border-color:color-mix(in srgb,var(--accent) 45%,transparent);display:grid;grid-template-columns:minmax(0,1fr) 130px;gap:10px;align-items:center;min-height:150px}
.tile.bonds:before{background:var(--accent)}.tile.bonds h3{color:#D5D9F5}.tile.bonds .val{font-size:32px}.tile.bonds .chg span{color:var(--accent)}
.bonds-arrow svg{width:100%;max-height:130px;filter:drop-shadow(0 0 14px var(--ba-glow,rgba(249,198,15,.5)))}
.tile.bonds[data-dir=improving]{--ba-glow:rgba(61,214,140,.55)}.tile.bonds[data-dir=worsening]{--ba-glow:rgba(255,122,112,.55)}
.ba-pulse{animation:baIn .7s var(--ease) both,baGlow 2.4s ease-in-out .7s infinite}.ba-enter{animation:baIn .7s var(--ease) both}
@keyframes baIn{from{opacity:0;transform:scale(.6)}to{opacity:1;transform:none}}@keyframes baGlow{50%{opacity:.82;transform:scale(.96)}}
.mbs-row{display:grid;grid-template-columns:1.1fr .9fr;gap:16px;margin-top:16px}
.note-card{background:var(--glass);border:1px solid var(--gline);border-left:5px solid var(--accent);border-radius:16px;padding:18px 20px;margin:0}
.note-card h3{margin:0 0 6px;font-size:17px}.note-card .note-body{margin:0;color:var(--dtext)}.note-card .nb-dir{color:#fff}.note-src{font-size:12.5px;color:var(--dmuted);margin:8px 0 0}
.na{display:flex;align-items:center;gap:14px;margin-top:14px;padding:12px 14px;border-radius:14px;background:linear-gradient(135deg,color-mix(in srgb,var(--dark) 70%,transparent),rgba(10,14,26,.85));border:1px solid var(--gline)}
.na[hidden]{display:none}
.na-mark{position:relative;flex:none;width:44px;height:44px}.na-mark img{width:44px;height:44px;border-radius:50%;object-fit:cover;border:2px solid var(--accent)}
.na-mark:after{content:"";position:absolute;inset:-2px;border-radius:50%;border:2px solid var(--accent);opacity:0}.na.playing .na-mark:after{animation:naRing 1.6s var(--ease) infinite}
@keyframes naRing{0%{opacity:.8;transform:scale(1)}100%{opacity:0;transform:scale(1.45)}}
.na-play{flex:none;width:46px;height:46px;border-radius:50%;border:0;cursor:pointer;display:grid;place-items:center;background:var(--accent);color:var(--on-accent);box-shadow:0 6px 18px color-mix(in srgb,var(--accent) 30%,transparent)}
.na-play:disabled{opacity:.45;cursor:not-allowed}.na-play svg{width:22px;height:22px;fill:currentColor}.na-play .i-pause,.na.playing .na-play .i-play{display:none}.na.playing .na-play .i-pause{display:block}
.na-main{flex:1;min-width:0}.na-top{display:flex;justify-content:space-between;gap:10px;align-items:baseline}.na-title{color:#fff;font-size:15px}.na-date{color:var(--dmuted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
.na-wave{position:relative;height:30px;margin:4px 0 2px}.na-bars{position:absolute;inset:0;display:flex;align-items:center;justify-content:space-between;pointer-events:none}
.na-bars i{flex:0 0 3px;height:calc(var(--h)*100%);min-height:3px;border-radius:2px;background:rgba(174,182,255,.32)}.na-bars i.on{background:var(--accent)}
.na.playing .na-bars i{animation:naBar .9s ease-in-out var(--d) infinite alternate}@keyframes naBar{to{transform:scaleY(.55)}}
.na-seek{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}.na-seek:disabled{cursor:default}
.na-foot{display:flex;justify-content:space-between;gap:10px;font-size:12px;color:var(--dmuted)}.na-time{font-variant-numeric:tabular-nums;color:var(--dtext)}.na-ai{text-align:right}
.na.shell{border-style:dashed}.na.shell .na-time{display:none}.na.shell .na-ai{text-align:left}
.bh{background:var(--glass);border:1px solid var(--gline);border-radius:16px;padding:18px}
.bh-head{display:flex;justify-content:space-between;gap:8px;flex-wrap:wrap;align-items:baseline;margin-bottom:12px}.bh-head h3{margin:0;font-size:17px}
.bh-key{font-size:12px;color:var(--dmuted);display:flex;gap:6px;align-items:center;flex-wrap:wrap}.bh-key i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-left:6px}
.bh-row{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(10,1fr);gap:6px}
.bh-t{position:relative;aspect-ratio:1/1.3;border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;font-weight:700;line-height:1.1;text-align:center;opacity:0;transform:translateY(6px);transition:opacity .4s,transform .4s}
.bh.in .bh-t{opacity:1;transform:none}
.bh-t .wd{font-size:10px;letter-spacing:.06em;text-transform:uppercase;opacity:.9}.bh-t .dt{font-size:11.5px}.bh-t .ar{font-size:15px;margin-top:2px}.bh-t .nd{font-size:8.5px;margin-top:2px;opacity:.8}
.k-up,.bh-t.improving{background:var(--tile-up)}.k-down,.bh-t.worsening{background:var(--tile-down)}.k-flat,.bh-t.flat{background:var(--tile-flat)}
.bh-t.empty{background:rgba(255,255,255,.03);color:var(--dmuted);border:1px dashed rgba(255,255,255,.18)}
.bh-t.live:after{content:"";position:absolute;inset:-4px;border-radius:13px;border:2px solid var(--accent);animation:bhP 1.6s ease-in-out infinite}@keyframes bhP{50%{opacity:.35}}
.bh-t:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.bh .fine{color:var(--dmuted)}
.disclaim{margin:16px 0 4px;padding:12px 16px;border-radius:12px;background:rgba(255,255,255,.04);border:1px solid var(--gline);font-size:14.5px}
#mk-updated{color:var(--dmuted);font-size:12.5px;margin:6px 0 0}
.rh{--chart-1:#8F9BFF;--muted:#A7B0C2;margin:28px 0 0;padding:22px 22px 16px;border:1px solid var(--gline);border-radius:18px;background:radial-gradient(120% 80% at 0% 0%,color-mix(in srgb,var(--dark) 45%,transparent),transparent 60%),linear-gradient(180deg,#0E1626,#0A111D)}
.rh-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:14px 24px;margin-bottom:14px}.rh-head h3{font-size:clamp(19px,3vw,24px);margin:0 0 4px}
.rh .fine,.rh-cap{color:var(--dmuted)}.rh-hint{margin:0;max-width:56ch}.rh-hint kbd{font:700 11px var(--body);border:1px solid var(--gline);border-bottom-width:2px;border-radius:5px;padding:0 4px}
.rh-ctrls{display:flex;flex-wrap:wrap;gap:10px}
.rh .seg{display:inline-flex;background:rgba(255,255,255,.04);border:1px solid var(--gline);border-radius:999px;padding:3px;gap:2px}
.rh .seg button{all:unset;cursor:pointer;display:inline-flex;align-items:center;gap:7px;font:600 13px var(--head);color:var(--dmuted);padding:7px 13px;border-radius:999px}
.rh .seg button:hover{color:#fff}.rh .seg button[aria-pressed=true]{background:var(--accent);color:var(--on-accent)}.rh .seg button:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.rh .sw{width:14px;height:3px;border-radius:2px;display:inline-block}.rh .sw.s30{background:var(--accent)}.rh .sw.s15{background:#8F9BFF}
.rh .seg button[aria-pressed=true] .sw.s30{background:var(--on-accent)}
.rh-canvas{position:relative;height:380px;border-radius:12px;background:rgba(6,11,18,.55);border:1px solid rgba(51,64,90,.6)}
.rh-canvas canvas{position:absolute;inset:0;width:100%;height:100%;display:block;touch-action:pan-y;cursor:crosshair;border-radius:12px}
.rh-load{position:absolute;inset:0;border-radius:12px;background:linear-gradient(100deg,transparent 30%,rgba(174,182,255,.07) 50%,transparent 70%) 0 0/200% 100%;animation:rhS 1.4s linear infinite;pointer-events:none}@keyframes rhS{to{background-position:-200% 0}}
.rh-ready .rh-load,.rh-failed .rh-load{display:none}
.rh-tip{position:absolute;left:0;top:0;pointer-events:none;z-index:2;background:rgba(14,20,34,.96);border:1px solid rgba(174,182,255,.35);border-radius:10px;padding:8px 11px;font-size:12.5px;line-height:1.45;color:var(--dtext);display:grid;gap:2px;white-space:nowrap}
.rh-tip[hidden]{display:none}.rh-tip b,.rh-tip strong{color:#fff}.rh-tip i{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:6px}.rh-tip em{font-style:normal;color:var(--dmuted);font-size:11px}
.rh-cap{margin:12px 2px 0;line-height:1.55;font-size:12.5px}.rh-key-rec{display:block}.rh-key-rec i{display:inline-block;width:14px;height:10px;border-radius:2px;background:rgba(174,182,255,.22);margin-right:6px}
.rh-hint-touch{display:none}@media (hover:none) and (pointer:coarse){.rh-hint-fine{display:none}.rh-hint-touch{display:inline}}
@media (max-width:1060px){.score{grid-template-columns:repeat(2,1fr)}.tile.bonds{grid-column:1/-1}}
@media (max-width:820px){.mbs-sec{padding:52px 0}.mbs-row{grid-template-columns:1fr}.tile .val{font-size:22px}.tile.bonds{grid-template-columns:minmax(0,1fr) 96px;min-height:120px}.bh-row{grid-template-columns:repeat(5,1fr)}.bh-t{aspect-ratio:1/1}
 .rh{padding:16px 12px 12px}.rh-canvas{height:300px}.rh .seg button{padding:7px 10px;font-size:12.5px}.rh-ctrls{width:100%}.na{gap:10px;padding:10px}.na-foot{flex-direction:column}.na-ai{text-align:left}}
/* ---------- payment toolbox ---------- */
.tools-sec{background:var(--paper);padding:72px 0}
.tabs{display:inline-flex;gap:4px;padding:4px;border-radius:14px;background:#fff;border:1px solid var(--line);margin:0 0 18px;flex-wrap:wrap}
.tabs [role=tab]{font:600 15px var(--head);border:0;background:transparent;color:var(--slate);padding:10px 18px;border-radius:10px;cursor:pointer}
.tabs [role=tab][aria-selected=true]{background:var(--dark);color:#fff;box-shadow:0 4px 14px rgba(0,0,0,.12)}
.tabs [role=tab]:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.tool{display:none;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:18px;align-items:start}.tool.active{display:grid}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 10px 30px rgba(20,30,60,.06);min-width:0}
.field{display:grid;gap:6px;margin-bottom:16px}.field label{font:500 14.5px var(--head);display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.field output{font:700 15px var(--head);color:var(--dark);font-variant-numeric:tabular-nums}
.field select,.field input[type=text]{font:inherit;font-size:16px;padding:11px 12px;border:1px solid #C9CED8;border-radius:10px;background:#fff;width:100%}
.field input[type=range]{width:100%;accent-color:var(--dark);height:28px}
.rate-field{background:color-mix(in srgb,var(--accent) 12%,#fff);border:1px dashed color-mix(in srgb,var(--accent) 70%,#000 10%);border-radius:12px;padding:12px}
.rate-field input{border-color:var(--accent-ink)!important;font-weight:600}.rate-field input:focus{outline:3px solid var(--accent-soft)}
.hint{font:500 12.5px var(--body);color:var(--slate)}.rate-field .hint{color:var(--accent-ink)}
[aria-invalid=true]{border-color:#C0392B!important;outline-color:#C0392B}
.need-rate{display:grid;place-items:center;text-align:center;min-height:260px;color:var(--dark);font:600 17px var(--head);border-radius:14px;padding:20px;background:repeating-linear-gradient(45deg,#fff,#fff 10px,#F5F6F9 10px,#F5F6F9 20px);border:1px dashed var(--line)}
.need-rate .fine{font:400 13.5px var(--body)}.need-ic{font-size:30px}
.big{font:700 44px/1 var(--head);color:var(--dark);font-variant-numeric:tabular-nums;margin-top:6px}.big small{font-size:18px;color:var(--slate);font-weight:500}
.kv{display:grid;grid-template-columns:1fr auto;gap:5px 12px;font-size:15px;margin:14px 0}.kv dt{color:var(--slate)}.kv dd{margin:0;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
.rate-you{color:var(--chart-2)!important}
.pc-break{display:grid;grid-template-columns:96px 1fr;gap:14px;align-items:center}.donut{transform:rotate(0)}.donut-seg{transition:stroke-dasharray .9s var(--ease)}
.pc-legend{display:grid;gap:4px;font-size:14px}.pc-legend div{display:flex;justify-content:space-between;gap:8px}.pc-legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.chart{width:100%;height:auto;margin-top:6px}.chart text{font:11px var(--body);fill:var(--slate)}.chart .grid-l{stroke:#E6E9EF}
.ch-h{font-size:16px;margin:18px 0 0}
.legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13px;color:var(--slate)}.legend i{display:inline-block;width:12px;height:4px;border-radius:2px;margin-right:6px;vertical-align:3px}
.verdict{background:color-mix(in srgb,var(--accent) 12%,#fff);border-radius:12px;padding:12px 14px;margin:10px 0}
.progress{height:8px;border-radius:9px;background:#E6E9EF;overflow:hidden;margin:10px 0}.progress i{display:block;height:100%;background:linear-gradient(90deg,var(--dark),var(--accent));transform-origin:left}
.hint-add{color:var(--accent-ink)}
.aff-note{display:flex;gap:14px;align-items:flex-start;margin:16px 0 8px;padding:16px 18px;border-radius:14px;background:linear-gradient(135deg,color-mix(in srgb,var(--dark) 6%,#fff),color-mix(in srgb,var(--accent) 10%,#fff));border:1px solid var(--line);border-left:5px solid var(--accent);position:relative;overflow:hidden}
.aff-note h4{margin:0 0 6px;font:600 17px/1.3 var(--head);color:var(--dark)}.aff-note p{margin:0 0 10px;font-size:15px;color:#3D4656}.aff-note .cta-row{margin:0}
.aff-note-ic{flex:none;display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--dark);color:var(--accent)}
.aff-note.tight{border-color:var(--accent);box-shadow:0 0 0 1px color-mix(in srgb,var(--accent) 45%,transparent),0 10px 30px color-mix(in srgb,var(--accent) 16%,transparent)}
.aff-note.tight h4{font-size:19px}.aff-note.tight .aff-note-ic{background:var(--accent);color:var(--on-accent)}
.aff-note.tight:after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,transparent 30%,rgba(255,255,255,.5) 50%,transparent 70%);transform:translateX(-100%);animation:sheen 4.5s ease-in-out .6s infinite;pointer-events:none}
@keyframes sheen{40%,100%{transform:translateX(100%)}}
.tools-fine{margin-top:16px}
@media (max-width:900px){.tool.active{grid-template-columns:1fr}.tools-sec{padding:52px 0}.big{font-size:38px}.tabs{display:flex}.tabs [role=tab]{flex:1;padding:10px 8px}.aff-note .cta-row .btn{flex:1 1 100%}}
/* ---------- payment card (chat + playground) ---------- */
.pc-wrap{display:flex;gap:12px}
.pc{flex:1 1 auto;background:#fff;color:#1E2533;border-radius:18px;overflow:hidden;box-shadow:0 10px 30px rgba(0,0,0,.3)}
.pc-head{background:linear-gradient(135deg,var(--dark),color-mix(in srgb,var(--dark) 65%,#000));color:#fff;padding:14px 16px 16px;position:relative}
.pc-head .lbl{font:600 11px var(--head);letter-spacing:.14em;text-transform:uppercase;opacity:.85;padding-right:100px}
.pc-total{font:700 36px/1.05 var(--head);color:var(--accent);font-variant-numeric:tabular-nums}.pc-total small{font-size:14px;color:#fff;opacity:.85}
.pc-head .tag2{position:absolute;right:12px;top:12px;font:600 11px var(--head);background:rgba(255,255,255,.14);border-radius:999px;padding:3px 9px}
.pc-body{padding:14px 16px}.pc .kv{font-size:13.5px}.pc-notes{font-size:12px;color:var(--slate);margin:8px 0 0;padding-left:16px}
.pc-disc{font-size:11.5px;color:var(--slate);border-top:1px solid var(--line);margin:10px 0 0;padding-top:8px}
.pc-cta{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}.pc-cta .btn{font-size:13.5px;padding:0 8px}.pc-cta .wide{grid-column:1/-1}.pc-cta .btn-ghost{color:var(--dark);border-color:var(--line)}
/* ---------- chat FAB + panel ---------- */
.chat-fab{position:fixed;right:18px;bottom:18px;z-index:60;display:flex;align-items:center;gap:10px;background:var(--dark);color:#fff;border:2px solid color-mix(in srgb,var(--accent) 60%,transparent);border-radius:999px;padding:8px 18px 8px 8px;font:600 15px var(--head);box-shadow:0 18px 40px rgba(10,14,30,.4);cursor:pointer;transition:transform .25s var(--ease),opacity .2s}
.chat-fab:hover{transform:translateY(-2px) scale(1.03)}.chat-fab.hide{opacity:0;pointer-events:none}
.chat-fab img{width:38px;height:38px;border-radius:50%;object-fit:cover;border:2px solid var(--accent)}
.chat-fab .pulse{position:absolute;inset:-2px;border-radius:999px;box-shadow:0 0 0 0 color-mix(in srgb,var(--accent) 60%,transparent);animation:fabP 2.4s infinite;pointer-events:none}
@keyframes fabP{0%{box-shadow:0 0 0 0 color-mix(in srgb,var(--accent) 55%,transparent)}70%{box-shadow:0 0 0 14px transparent}100%{box-shadow:0 0 0 0 transparent}}
@media (max-width:640px){.chat-fab{right:12px;bottom:12px;padding:6px 14px 6px 6px;font-size:14px}.chat-fab img{width:34px;height:34px}}
.chat-panel{position:fixed;z-index:70;right:18px;bottom:18px;width:min(440px,calc(100vw - 24px));height:min(740px,calc(100dvh - 36px));display:flex;flex-direction:column;overflow:hidden;border-radius:22px;
 background:radial-gradient(120% 60% at 100% 0%,color-mix(in srgb,var(--dark) 55%,transparent),transparent 60%),linear-gradient(180deg,#0E1828,#070C16);color:var(--dtext);border:1px solid rgba(255,255,255,.08);
 box-shadow:0 30px 80px rgba(0,0,0,.55),0 0 0 1px color-mix(in srgb,var(--accent) 18%,transparent);opacity:0;visibility:hidden;transform:translateY(16px) scale(.97);transform-origin:100% 100%;pointer-events:none;
 transition:opacity .18s var(--ease),transform .22s var(--ease),visibility 0s .22s}
.chat-panel.open{opacity:1;visibility:visible;transform:none;pointer-events:auto;transition:opacity .22s var(--ease),transform .32s cubic-bezier(.2,.9,.25,1.15),visibility 0s}
.chat-head{display:flex;align-items:center;gap:12px;padding:14px 14px 12px 16px;background:linear-gradient(135deg,color-mix(in srgb,var(--dark) 80%,transparent),rgba(14,24,40,.2) 70%);border-bottom:1px solid rgba(255,255,255,.06)}
.chat-who{position:relative;flex:none}.chat-who img{width:46px;height:46px;border-radius:50%;object-fit:cover;border:2px solid var(--accent);box-shadow:0 0 0 4px color-mix(in srgb,var(--accent) 14%,transparent)}
.chat-who .online{position:absolute;right:0;bottom:1px;width:12px;height:12px;border-radius:50%;background:#3DDC84;border:2px solid #0E1828}
.chat-title{flex:1;min-width:0;display:flex;flex-direction:column;line-height:1.25}.chat-title b{color:#fff;font:600 16px var(--head)}
.chat-title small{color:#A9B3C7;font-size:12px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.chat-title .dot-txt{color:#3DDC84;font-weight:700}
.chat-icon{flex:none;display:grid;place-items:center;width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.04);color:#fff;cursor:pointer}
.chat-icon:hover{background:color-mix(in srgb,var(--accent) 16%,transparent);border-color:var(--accent)}.chat-icon svg{width:18px;height:18px;fill:currentColor}
#chatClose svg{fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round}
.chat-icon:focus-visible,.chips button:focus-visible,.send-btn:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.demo-tag{font:600 10.5px var(--head);letter-spacing:.08em;text-transform:uppercase;color:var(--on-accent);background:var(--accent);border-radius:999px;padding:2px 7px;margin-left:6px;vertical-align:2px}
.usage{padding:8px 16px 10px;background:rgba(6,11,18,.55);border-bottom:1px solid rgba(255,255,255,.05)}
.usage-row{display:flex;justify-content:space-between;gap:8px;font-size:12px;color:#A9B3C7;margin-bottom:6px}#usageTxt{color:#E8ECF5;font-weight:600}#usageTxt b{color:var(--accent)}
.usage-bar{height:6px;border-radius:99px;background:rgba(255,255,255,.08);overflow:hidden}
.usage-bar i{display:block;height:100%;width:100%;border-radius:inherit;background:linear-gradient(90deg,color-mix(in srgb,var(--accent) 70%,#000),var(--accent));transition:width .6s var(--ease)}
.usage.low .usage-bar i{background:linear-gradient(90deg,#E07A1F,#F9A80F)}.usage.out .usage-bar i{width:0!important}
.chat-log{flex:1;overflow-y:auto;overscroll-behavior:contain;padding:16px 14px 8px;display:flex;flex-direction:column;gap:10px}
.msg{position:relative;max-width:88%;padding:10px 14px;border-radius:18px;font-size:15px;line-height:1.55;overflow-wrap:anywhere;animation:msgIn .28s cubic-bezier(.2,.9,.3,1.1)}
@keyframes msgIn{from{opacity:0;transform:translateY(8px)}}
.msg.user{align-self:flex-end;background:linear-gradient(135deg,color-mix(in srgb,var(--accent) 80%,#fff),var(--accent));color:var(--on-accent);font-weight:500;border-bottom-right-radius:6px;white-space:pre-wrap}
.msg.bot{align-self:flex-start;margin-left:34px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-bottom-left-radius:6px;color:#E3E8F2}
.msg.bot.first-of-run:before{content:"";position:absolute;left:-34px;bottom:0;width:26px;height:26px;border-radius:50%;background:var(--avatar) center/cover;border:1.5px solid var(--accent)}
.msg.bot p{margin:.35em 0}.msg.bot p:first-child{margin-top:0}.msg.bot p:last-child{margin-bottom:0}.msg.bot ul{margin:.4em 0;padding-left:20px}
.msg.bot a{color:var(--accent)}.msg.bot strong{color:#fff}.msg.bot em{color:#A9B3C7}
.msg.card-msg{background:transparent;border:0;padding:0;max-width:calc(100% - 34px);width:calc(100% - 34px)}.msg.card-msg:before{display:none}
.msg.typing{display:inline-flex;gap:5px;padding:13px 16px}.msg.typing i{width:7px;height:7px;border-radius:50%;background:var(--accent);opacity:.35;animation:tdot 1.1s infinite}
.msg.typing i:nth-child(2){animation-delay:.15s}.msg.typing i:nth-child(3){animation-delay:.3s}@keyframes tdot{30%{opacity:1;transform:translateY(-3px)}}
.chat-cta{display:flex;flex-direction:column;gap:8px}.chat-cta .cta-lbl{margin:0;font:600 11px var(--head);letter-spacing:.12em;text-transform:uppercase;color:#A9B3C7}
.chat-cta .acts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.act{display:flex;align-items:center;justify-content:center;min-height:40px;border-radius:12px;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.04);color:#fff!important;text-decoration:none;font:600 13.5px var(--head);padding:0 10px}
.act.gold{grid-column:1/-1;background:var(--accent);color:var(--on-accent)!important;border-color:transparent}
.calc{margin:0 12px 6px;padding:12px;border-radius:16px;background:rgba(255,255,255,.04);border:1px solid color-mix(in srgb,var(--accent) 40%,transparent);max-height:52%;overflow:auto}
.calc[hidden]{display:none}.calc-top b{color:#fff;font-family:var(--head)}.calc-top small{display:block;color:#A9B3C7;font-size:12px;margin:2px 0 8px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.calc-grid label{display:grid;gap:3px;font:500 12.5px var(--head);color:#E3E8F2}.calc-grid i{color:#A9B3C7;font-style:normal}
.calc input,.calc select{font:16px var(--body);padding:8px 9px;border-radius:9px;border:1px solid rgba(255,255,255,.18);background:rgba(6,11,18,.6);color:#fff;min-width:0;width:100%}
.calc .pair{display:flex;gap:4px}.calc .pair select{flex:0 0 64px}.calc-rate{grid-column:1/-1}.calc-rate input{border-color:var(--accent)}.calc-rate small{color:#A9B3C7;font-size:11.5px}
.calc .fine{color:#A9B3C7;font-size:12px;margin:8px 0}.calc-err{color:#FFB3AB!important}
.calc-actions{display:flex;gap:8px}.calc-actions .btn-ghost{color:#fff}
.chips{display:flex;gap:6px;overflow-x:auto;padding:6px 12px 2px;scrollbar-width:none}.chips::-webkit-scrollbar{display:none}
.chips button,.chips a{flex:none;font-size:13px;padding:7px 12px}
.ask{display:flex;align-items:flex-end;gap:8px;margin:8px 12px 6px;padding:6px 6px 6px 14px;border-radius:18px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.ask:focus-within{border-color:color-mix(in srgb,var(--accent) 70%,transparent);box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 14%,transparent)}
.ask textarea{flex:1;resize:none;border:0;background:transparent;padding:8px 0;font:16px/1.4 var(--body);color:#fff;max-height:140px;min-height:24px}.ask textarea::placeholder{color:#7F8AA3}.ask textarea:focus{outline:none}
.send-btn{flex:none;width:42px;height:42px;border-radius:14px;border:0;background:var(--accent);color:var(--on-accent);display:grid;place-items:center;cursor:pointer}.send-btn:disabled{opacity:.4}.send-btn svg{width:18px;height:18px;fill:currentColor}
.chat-foot{display:flex;align-items:center;gap:8px;padding:4px 16px calc(10px + env(safe-area-inset-bottom,0px));color:#7F8AA3;font-size:11.5px}.chat-foot svg{width:14px;height:14px;fill:var(--accent);flex:none}
@media (max-width:640px){.chat-panel{inset:0;width:100vw;height:100dvh;border-radius:0;border:0;transform:translateY(100%)}.chat-panel.open{transform:none}.msg{max-width:92%}body.chat-lock{overflow:hidden}}
@media (prefers-reduced-motion:reduce){.chat-panel,.chat-panel.open{transition:opacity .15s,visibility 0s;transform:none}.msg,.msg.typing i,.live-dot,.chat-fab .pulse,.bh-t.live:after,.ba-pulse,.aff-note.tight:after{animation:none}}
.top .logos{order:1}.top nav{order:2;margin-left:auto}.top .apply-top{order:3}
@media (max-width:1060px){.top .apply-top{order:2;margin-left:auto}.top nav{order:3;margin-left:0}}
.hero:has(+ .ask-hero){background:linear-gradient(180deg,var(--dark) 0%,var(--dark2) 100%)}
.panel .eyebrow{color:var(--accent-ink)}
.pc strong,.msg.bot .pc strong{color:inherit}.pc-legend b{white-space:nowrap}
@media (max-width:640px){.pc .pc-break{grid-template-columns:76px 1fr;gap:10px}.pc .donut{width:76px;height:76px}.pc-legend{font-size:13px}}