/* PointMaxxer website design system (storefront + privacy page). See docs/DESIGN-SYSTEM.md.
   Calm, institutional, modern: warm paper, deep navy ink, one green accent. Flat surfaces, hairline borders, no gradients, glows or blur. */
:root {
  --paper: #F7F5F0; --surface: #FFFFFF; --tint: #EDF1EC; --ink: #0F1B2D; --muted: #55607A; --line: #E2DFD6; --line-strong: #CFCBBF;
  --accent: #0B6B4D; --accent-ink: #FFFFFF; --accent-soft: #E3EFE8; --focus: #1D6FDC;
  --band: #0F1B2D; --band-ink: #F3F1EA; --band-muted: #AAB4C8;
  --shadow: 0 1px 2px rgba(15,27,45,.06), 0 12px 32px rgba(15,27,45,.08);
  --serif: "Iowan Old Style", "Charter", "Sitka Text", "Cambria", Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --r: 14px;
}
@media (prefers-color-scheme: dark) { :root {
  --paper: #0D1320; --surface: #141C2D; --tint: #111A2A; --ink: #EEF0F5; --muted: #9DA8C0; --line: #243048; --line-strong: #33415E;
  --accent: #5CCB9F; --accent-ink: #06231A; --accent-soft: #15302A; --focus: #6FA8FF;
  --band: #0A0F1A; --band-ink: #EEF0F5; --band-muted: #9DA8C0;
  --shadow: 0 1px 2px rgba(0,0,0,.4), 0 12px 32px rgba(0,0,0,.35);
} }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 17px/1.6 var(--sans); -webkit-font-smoothing: antialiased; }
a { color: inherit; }
img { max-width: 100%; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 740px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 6px; }

/* type */
h1, h2, h3 { font-family: var(--serif); font-weight: 700; letter-spacing: -.015em; margin: 0; color: var(--ink); }
h1 { font-size: clamp(40px, 6vw, 62px); line-height: 1.05; }
h2 { font-size: clamp(30px, 4vw, 42px); line-height: 1.12; }
h3 { font-size: 22px; line-height: 1.25; }
.label { font: 700 12.5px/1 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--accent); margin: 0 0 14px; }
.lede { font-size: 20px; color: var(--muted); max-width: 33em; margin: 18px 0 0; }
.sub { color: var(--muted); font-size: 18px; max-width: 38em; margin: 14px 0 0; }

/* header */
.topbar { position: sticky; top: 0; z-index: 20; background: var(--paper); border-bottom: 1px solid var(--line); }
.topbar nav { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 11px; font: 700 20px/1 var(--serif); letter-spacing: -.01em; text-decoration: none; }
.brand svg { width: 32px; height: 32px; flex: none; }
.links { display: flex; align-items: center; gap: 28px; font-size: 15px; }
.links a { text-decoration: none; color: var(--muted); }
.links a:hover { color: var(--ink); }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 22px; border-radius: 10px; font: 600 16px/1 var(--sans); text-decoration: none; border: 1px solid transparent; cursor: pointer; }
.btn.primary { background: var(--accent); color: var(--accent-ink); }
.btn.primary:hover { filter: brightness(1.08); }
.btn.outline { border-color: var(--line-strong); color: var(--ink); background: transparent; }
.btn.outline:hover { background: var(--surface); }
.btn.soon { color: var(--muted); border-style: dashed; cursor: default; }
.btn.soon:hover { background: transparent; }
.btn.sm { padding: 10px 16px; font-size: 14px; }

/* hero */
.hero { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding: 72px 0 64px; }
.cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.points { display: flex; flex-wrap: wrap; gap: 10px 26px; margin: 26px 0 0; padding: 0; list-style: none; color: var(--muted); font-size: 15px; }
.points li { display: flex; align-items: center; gap: 8px; }
.points svg, .check svg { width: 18px; height: 18px; stroke: var(--accent); fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* product panel */
.panel { background: var(--tint); border: 1px solid var(--line); border-radius: 22px; padding: 36px 24px 0; display: flex; justify-content: center; overflow: hidden; }
.phone { width: min(100%, 300px); aspect-ratio: 520 / 760; border-radius: 30px 30px 0 0; overflow: hidden; box-shadow: var(--shadow); background: #F7F5F0; border: 1px solid var(--line-strong); border-bottom: 0; }
.phone img { display: block; width: 100%; height: 100%; object-fit: cover; }

/* sections */
section { padding: 72px 0; border-top: 1px solid var(--line); }
.hero + section, .hero-end { border-top: 0; }
.head { margin-bottom: 40px; max-width: 44em; }

/* at a glance */
.facts { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.fact { padding: 26px 24px; border-left: 1px solid var(--line); }
.fact:first-child { border-left: 0; padding-left: 0; }
.fact b { display: block; font: 700 40px/1.1 var(--serif); letter-spacing: -.02em; }
.fact span { color: var(--muted); font-size: 15px; }

/* banks */
.banks { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
.bank { flex: 1 1 calc(20% - 1px); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px; padding: 22px 12px 18px; background: var(--surface); } /* tiles grow, so an odd last tile fills its row, centred */
.plate { display: grid; place-items: center; height: 44px; width: 100%; max-width: 120px; }
.plate img { border-radius: 6px; }
.bn { font-size: 13.5px; color: var(--muted); text-align: center; }
.note { text-align: left; color: var(--muted); margin: 16px 0 0; font-size: 15px; }

/* steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line-strong); }
.step { padding: 28px 28px 0 0; }
.step .n { font: 700 15px/1 var(--sans); color: var(--accent); letter-spacing: .08em; }
.step h3 { margin: 14px 0 8px; }
.step p { margin: 0; color: var(--muted); font-size: 16.5px; }

/* feature rows */
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; padding: 28px 0; }
.row + .row { border-top: 1px solid var(--line); padding-top: 56px; margin-top: 28px; }
.row.flip .copy { order: 2; }
.row p { color: var(--muted); margin: 14px 0 20px; font-size: 18px; }
.check { list-style: none; margin: 0; padding: 0; }
.check li { display: flex; gap: 10px; align-items: flex-start; padding: 6px 0; font-size: 16.5px; }
.check svg { margin-top: 4px; }

/* trust */
.trust { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--line); border-radius: var(--r); background: var(--surface); overflow: hidden; }
.tile { padding: 28px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trust .tile:nth-child(3n) { border-right: 0; }
.trust .tile:nth-last-child(-n+3) { border-bottom: 0; }
.tile svg { width: 28px; height: 28px; stroke: var(--accent); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.tile h3 { font-size: 19px; margin: 16px 0 6px; }
.tile p { margin: 0; color: var(--muted); font-size: 15.5px; }
.tile a { color: var(--accent); }

/* pricing */
.plans { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.plan { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); padding: 32px; display: flex; flex-direction: column; }
.plan.now { border: 2px solid var(--accent); }
.plan .tag { font: 700 12.5px/1 var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--accent); margin-bottom: 14px; }
.plan .price { font: 700 52px/1 var(--serif); letter-spacing: -.02em; margin: 6px 0 8px; }
.plan .price.sm { font-size: 30px; margin: 14px 0 12px; }
.plan .blurb { color: var(--muted); margin: 0 0 18px; font-size: 16px; }
.plan .check { margin-bottom: 26px; }
.plan .btn { margin-top: auto; align-self: flex-start; }

/* faq */
details { border-top: 1px solid var(--line); }
details:last-of-type { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; padding: 20px 4px; font: 600 18px/1.4 var(--sans); list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-size: 24px; color: var(--accent); font-weight: 400; flex: none; }
details[open] summary::after { content: "\2013"; }
details p { margin: 0 0 22px; color: var(--muted); max-width: 46em; padding-right: 36px; }

/* closing band + footer */
.band { background: var(--band); color: var(--band-ink); border-top: 0; }
.band h2 { color: var(--band-ink); }
.band p { color: var(--band-muted); font-size: 18px; max-width: 34em; margin: 14px 0 0; }
.band .btn.primary { background: var(--band-ink); color: var(--band); }
.band .btn.outline { color: var(--band-ink); border-color: rgba(255,255,255,.3); }
.band .btn.soon { color: var(--band-muted); }
footer { background: var(--band); color: var(--band-muted); padding: 36px 0 56px; font-size: 14px; border-top: 1px solid rgba(255,255,255,.12); }
footer a { color: var(--band-ink); }
footer .cols { display: flex; flex-wrap: wrap; gap: 10px 28px; justify-content: space-between; align-items: center; }
footer .legal { margin: 22px 0 0; font-size: 12.5px; line-height: 1.7; max-width: 76em; }

/* document pages (privacy) */
.doc h1 { font-size: clamp(34px, 5vw, 46px); }
.doc h2 { font-size: 24px; margin: 40px 0 10px; }
.doc p, .doc li { color: var(--ink); }
.doc .meta { color: var(--muted); font-size: 14.5px; margin: 10px 0 0; }
.doc ul { padding-left: 22px; } .doc li { margin: 6px 0; }
.doc a { color: var(--accent); }
.doc code { background: var(--surface); border: 1px solid var(--line); padding: 1px 6px; border-radius: 6px; font-size: 14px; }
.doc table { width: 100%; border-collapse: collapse; font-size: 15.5px; }
.doc td, .doc th { text-align: left; padding: 10px 8px; border-bottom: 1px solid var(--line); vertical-align: top; }
.doc th { color: var(--muted); font-weight: 600; }
.summary { background: var(--accent-soft); border: 1px solid var(--line); border-radius: var(--r); padding: 20px 22px; margin: 28px 0; }
.summary b { color: var(--accent); }

@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; gap: 40px; padding: 44px 0 44px; }
  .row, .row.flip { grid-template-columns: 1fr; gap: 28px; }
  .row.flip .copy { order: 0; }
  .steps, .plans { grid-template-columns: 1fr; }
  .step { padding: 24px 0 0; border-top: 1px solid var(--line); } .step:first-child { border-top: 0; }
  .steps { border-top: 0; }
  .facts { grid-template-columns: 1fr 1fr; }
  .fact:nth-child(3) { border-left: 0; padding-left: 0; } .fact:nth-child(n+3) { border-top: 1px solid var(--line); }
  .banks .bank { flex-basis: calc(50% - 1px); }
  .trust { grid-template-columns: 1fr 1fr; }
  .trust .tile { border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .trust .tile:nth-child(3n) { border-right: 1px solid var(--line); } .trust .tile:nth-child(2n) { border-right: 0; }
  .trust .tile:nth-last-child(-n+3) { border-bottom: 1px solid var(--line); } .trust .tile:nth-last-child(-n+2) { border-bottom: 0; }
  .links a.hide-s { display: none; }
  section { padding: 52px 0; }
}
@media (max-width: 560px) {

  .trust { grid-template-columns: 1fr; }
  .trust .tile, .trust .tile:nth-child(3n), .trust .tile:nth-child(2n) { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust .tile:last-child { border-bottom: 0; }
  .lede { font-size: 18px; }
  .fact b { font-size: 32px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

/* ---------- guides (best card by category) ---------- */
.crumbs { font-size: 14px; color: var(--muted); margin: 28px 0 0; } .crumbs a { color: var(--muted); }
.guide-head { padding: 26px 0 6px; max-width: 52em; } .guide-head h1 { margin: 0 0 4px; }
.updated { font-size: 14px; color: var(--muted); margin: 12px 0 0; }
.gh { font-size: 26px; margin: 42px 0 14px; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); background: var(--surface); }
.guide-table { width: 100%; border-collapse: collapse; font-size: 15px; }
.guide-table th { text-align: left; font-size: 12.5px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); padding: 12px 14px; border-bottom: 1px solid var(--line); white-space: nowrap; }
.guide-table td { padding: 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.guide-table tr:last-child td { border-bottom: 0; }
.guide-table .n { color: var(--muted); width: 36px; }
.guide-table .nm a { font-weight: 600; color: var(--ink); text-decoration-color: var(--line-strong); }
.sub2 { display: block; font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.eff b { font: 700 20px/1.1 var(--serif); color: var(--accent); }
.det ul { margin: 0; padding-left: 16px; color: var(--muted); font-size: 13.5px; } .det li { margin: 2px 0; }
.fine { font-size: 13.5px; color: var(--muted); margin: 14px 0 0; max-width: 62em; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; margin-top: 8px; }
.cta-box { margin: 56px 0 0; padding: 36px; border: 1px solid var(--line); border-radius: var(--r); background: var(--surface); }
.cta-box h2 { font-size: 30px; margin: 0 0 10px; } .cta-box h2 em { font-style: normal; color: var(--accent); } .cta-box p { color: var(--muted); max-width: 40em; margin: 0; }
.more-guides { margin-top: 44px; }
.guide-links { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px 24px; } .guide-links a { color: var(--accent); }
.guide-grid { list-style: none; padding: 0; margin: 22px 0 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.gtile { display: block; height: 100%; padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--r); background: var(--surface); text-decoration: none; }
.gtile:hover { border-color: var(--line-strong); }
.gt { display: block; font: 700 21px/1.2 var(--serif); } .gs { display: block; color: var(--muted); font-size: 14.5px; margin-top: 4px; }
@media (max-width: 760px) {
  .two, .guide-grid { grid-template-columns: 1fr; gap: 14px; } .guide-links { grid-template-columns: 1fr 1fr; }
  .table-wrap { border: 0; background: transparent; }
  .guide-table thead { display: none; }
  .guide-table, .guide-table tbody, .guide-table tr, .guide-table td { display: block; width: 100%; }
  .guide-table tr { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); padding: 6px 4px; margin-bottom: 12px; }
  .guide-table td { border: 0; padding: 7px 12px; display: flex; gap: 12px; justify-content: space-between; text-align: right; }
  .guide-table td::before { content: attr(data-label); color: var(--muted); font-size: 12.5px; letter-spacing: .05em; text-transform: uppercase; text-align: left; flex: none; padding-top: 3px; }
  .guide-table .n { display: none; } .guide-table .nm { text-align: left; font-size: 16px; } .guide-table .nm::before { display: none; }
  .guide-table .det { text-align: left; } .guide-table .det::before { display: none; } .guide-table .det ul { padding-left: 18px; }
}
@media (max-width: 480px) { .guide-links { grid-template-columns: 1fr; } .cta-box { padding: 24px; } }