/* ==========================================================================
   First Ledger - single stylesheet
   Mobile-first (base = 360px), then 480 / 768 / 1024 layers.
   Naming: BEM. Layout: CSS Grid for the page, flexbox inside components.
   ========================================================================== */

:root {
  /* palette: news-desk navy, paper white, one green action colour */
  --navy: #10294d;
  --navy-deep: #0b1d38;
  --navy-soft: #c9d6ea;
  --ink: #1b1d21;
  --ink-soft: #444a53;
  --muted: #5a6370;
  --paper: #ffffff;
  --rule: #e2e5ea;
  --bar: #efefef;
  --card: #f6f6f7;
  --tint: #eff4fa;
  --green: #167a37;
  --green-deep: #0e5f29;
  --green-tint: #edf8f0;
  --green-line: #7fc296;
  --focus: #0b5ed7;

  --col: 684px;
  --gutter: 16px;
  --radius: 8px;
  --radius-sm: 6px;
  --flow: 1.15em;

  --font: "Helvetica Neue", Helvetica, Arial, "Liberation Sans", sans-serif;
}

/* ---------- base ---------- */

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  margin: 0;
  display: grid;
  grid-template-rows: auto 1fr auto;
  min-height: 100vh;
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-wrap: break-word;
}

body > * {
  min-width: 0;
}

:where(h1, h2, h3, p, figure, blockquote, dl, dd, ul, ol, aside) {
  margin: 0;
}

img,
video {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--navy);
}

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: 8px;
  top: -64px;
  z-index: 10;
  padding: 12px 16px;
  background: #fff;
  color: var(--navy);
  font-weight: 700;
  border-radius: var(--radius-sm);
  transition: top 0.15s ease;
}

.skip-link:focus {
  top: 8px;
}

/* ---------- masthead ---------- */

.masthead {
  background: var(--navy);
  color: #fff;
}

.masthead__bar {
  padding: 14px var(--gutter) 14px;
}

.masthead__brand {
  display: inline-block;
  color: #fff;
  font-size: clamp(1.3rem, 1.15rem + 0.6vw, 1.5rem);
  font-weight: 700;
  letter-spacing: 0.01em;
  line-height: 1.25;
  text-decoration: none;
  padding: 4px 0;
}

.masthead__brand:hover {
  text-decoration: underline;
  text-underline-offset: 4px;
}

.masthead__brand:focus-visible {
  outline-color: #fff;
}

.masthead__tag {
  margin: 2px 0 0;
  font-size: 0.8125rem;
  letter-spacing: 0.02em;
  color: var(--navy-soft);
}

.masthead__label {
  margin: 0;
  padding: 6px var(--gutter);
  background: var(--bar);
  border-bottom: 1px solid #e0e0e0;
  color: #50565f;
  text-align: center;
  font-size: 0.75rem;
  line-height: 1.5;
  letter-spacing: 0.24em;
  text-transform: uppercase;
}

/* ---------- article grid ---------- */

.article,
.band {
  display: grid;
  grid-template-columns: minmax(var(--gutter), 1fr) minmax(0, var(--col)) minmax(var(--gutter), 1fr);
}

.article > *,
.band > * {
  grid-column: 2;
  min-width: 0;
}

.article > .band {
  grid-column: 1 / -1;
}

.flow > * + * {
  margin-top: var(--flow);
}

.article {
  padding-top: 22px;
  padding-bottom: 0;
  align-content: start;
}

.article--doc {
  padding-bottom: 56px;
}

.article__byline {
  font-size: 0.875rem;
  line-height: 1.5;
  color: var(--muted);
}

.flow > .article__title {
  margin-top: 0.55em;
}

.article__title {
  font-size: clamp(1.75rem, 1.2rem + 2.6vw, 2.75rem);
  line-height: 1.14;
  font-weight: 700;
  letter-spacing: -0.015em;
  color: #141414;
}

.article__title--doc {
  font-size: clamp(1.625rem, 1.3rem + 1.6vw, 2.25rem);
  line-height: 1.2;
}

.flow > .article__dek {
  margin-top: 0.75em;
}

.article__dek {
  font-size: clamp(1.0625rem, 0.95rem + 0.7vw, 1.375rem);
  line-height: 1.5;
  font-weight: 700;
  color: #26282c;
}

.flow > .figure {
  margin-top: 1.6em;
}

.flow > .section__title {
  margin-top: 2.3em;
}

.section__title {
  font-size: clamp(1.375rem, 1.15rem + 1vw, 1.75rem);
  line-height: 1.22;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: #141414;
}

.flow > .section__title + * {
  margin-top: 0.8em;
}

.section__title--sub {
  font-size: clamp(1.125rem, 1.05rem + 0.4vw, 1.3125rem);
}

.prose {
  font-size: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  line-height: 1.68;
  color: #242629;
}

.prose strong {
  color: #141414;
}

/* ---------- figures & media ---------- */

.figure__frame {
  overflow: hidden;
  border-radius: var(--radius-sm);
  background: #dde2e9;
  aspect-ratio: 3 / 2;
}

.figure__frame--hero {
  aspect-ratio: 3 / 2;
}

.figure__frame--wide {
  aspect-ratio: 16 / 9;
}

.figure__frame--portrait {
  aspect-ratio: 4 / 3;
}

.figure__media {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.figure__media--phone-a {
  object-position: 50% 55%;
}

.figure__media--phone-b {
  object-position: 50% 42%;
}

.figure__media--hands {
  object-position: 62% 50%;
}

.figure__caption {
  margin-top: 0.65em;
  font-size: 0.8125rem;
  line-height: 1.5;
  color: var(--muted);
}

/* ---------- call to action ---------- */

.cta {
  text-align: center;
}

.cta__button {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6em;
  min-height: 58px;
  padding: 14px 20px;
  border-radius: var(--radius);
  background: var(--green);
  color: #fff;
  font-size: clamp(0.9375rem, 0.85rem + 0.5vw, 1.1875rem);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: 0.035em;
  text-align: center;
  text-transform: uppercase;
  text-decoration: none;
  box-shadow: 0 2px 0 var(--green-deep), 0 10px 22px rgba(22, 122, 55, 0.22);
  transition: background-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}

.cta__button:hover {
  background: var(--green-deep);
  transform: translateY(-1px);
  box-shadow: 0 3px 0 #0a4a1f, 0 14px 26px rgba(14, 95, 41, 0.28);
}

.cta__button:active {
  transform: translateY(1px);
  box-shadow: 0 1px 0 var(--green-deep);
}

.cta__button:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.cta__arrow {
  flex: none;
  font-size: 1.35em;
  line-height: 1;
  transition: transform 0.18s ease;
}

.cta__button:hover .cta__arrow {
  transform: translateX(3px);
}

.cta__note {
  margin: 0.75em 0 0;
  font-size: 0.8125rem;
  line-height: 1.5;
  color: var(--muted);
}

.cta--light .cta__button {
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.35), 0 12px 26px rgba(0, 0, 0, 0.25);
}

.cta--light .cta__button:focus-visible {
  outline-color: #fff;
}

.cta--light .cta__note {
  color: var(--navy-soft);
}

/* ---------- split (portrait loop + text) ---------- */

.split {
  display: grid;
  gap: 20px;
}

.split__media {
  min-width: 0;
}

.split__body {
  min-width: 0;
}

/* ---------- step cards ---------- */

.steps {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 12px;
}

.step {
  padding: 14px 16px 16px;
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
}

.step__label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}

.step__title {
  margin: 0.25em 0 0.3em;
  font-size: 1.0625rem;
  line-height: 1.3;
  font-weight: 700;
  color: #141414;
}

.step__text {
  margin: 0;
  font-size: 0.9375rem;
  line-height: 1.55;
  color: var(--ink-soft);
}

/* ---------- tinted band ---------- */

.band--tint {
  background: var(--tint);
  padding-block: 44px;
}

.flow > .band {
  margin-top: 2.6rem;
}

.band--tint > .section__title {
  margin-top: 0;
}

/* ---------- highlight (reward rate) ---------- */

.highlight {
  padding: 20px 16px 18px;
  background: var(--green-tint);
  border: 2px solid var(--green-line);
  border-radius: var(--radius);
}

.highlight__eyebrow {
  margin: 0;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green-deep);
}

.highlight__figure {
  margin: 0.15em 0 0;
  font-size: clamp(1.875rem, 1.3rem + 2.4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: var(--green-deep);
}

.highlight__text {
  margin: 0.4em 0 0;
  font-size: 1rem;
  line-height: 1.55;
  color: #23382b;
}

.highlight__facts {
  display: grid;
  gap: 10px;
  margin: 16px 0 0;
}

.highlight__fact {
  padding: 10px 12px;
  background: #fff;
  border: 1px solid #cde6d4;
  border-radius: var(--radius-sm);
}

.highlight__term {
  margin: 0;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}

.highlight__def {
  margin: 2px 0 0;
  font-size: 0.9375rem;
  line-height: 1.45;
  color: #1c2a21;
}

.highlight__foot {
  margin: 12px 0 0;
  font-size: 0.875rem;
  color: #2f4636;
}

/* ---------- pull quote card (accent: quote card shape) ---------- */

.pullquote {
  position: relative;
  margin-inline: 0;
  padding: 20px 20px 20px 26px;
  background: var(--bar);
  border-radius: var(--radius-sm);
}

.pullquote::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  width: 5px;
  background: var(--navy);
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
}

.pullquote__text {
  margin: 0;
  font-size: clamp(1.0625rem, 0.98rem + 0.5vw, 1.3125rem);
  font-weight: 700;
  line-height: 1.4;
  color: var(--navy);
}

/* ---------- checklist rows (accent: option-row shape) ---------- */

.checks {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 10px;
}

.checks__item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 13px 14px;
  background: var(--bar);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  line-height: 1.45;
  color: #202226;
}

.checks__box {
  flex: none;
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  background: #fff;
  border: 1px solid #c9ced5;
  border-radius: 5px;
}

.checks__box::before {
  content: "";
  width: 7px;
  height: 14px;
  border: solid var(--green);
  border-width: 0 3px 3px 0;
  transform: translateY(-1px) rotate(45deg);
}

.checks__text {
  padding-top: 3px;
}

/* ---------- bullet list ---------- */

.bullets {
  list-style: none;
  padding: 0;
  display: grid;
  gap: 14px;
}

.bullets__item {
  position: relative;
  padding-left: 24px;
  font-size: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  line-height: 1.62;
  color: #242629;
}

.bullets__item::before {
  content: "";
  position: absolute;
  left: 3px;
  top: 0.62em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--navy);
}

/* ---------- closing band ---------- */

.band--close {
  margin-top: 3rem;
  padding-block: 44px 52px;
  background: var(--navy);
  color: #fff;
}

.flow > .band--close {
  margin-top: 3rem;
}

.band--close > .section__title {
  margin-top: 1.5em;
  color: #fff;
}

.band--close .prose {
  color: #e6edf8;
}

.band--close .figure__frame {
  background: #1b3a66;
}

.band--close .figure__caption {
  color: var(--navy-soft);
}

.band--close .flow > * + * {
  margin-top: 1.15em;
}

.band--close > .cta {
  margin-top: 1.6em;
}

.flow > .band--close > .figure:first-child,
.band--close > .figure:first-child {
  margin-top: 0;
}

/* ---------- document pages ---------- */

.backlink {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
}

.backlink:hover {
  text-decoration: underline;
  text-underline-offset: 4px;
}

.flow > .backlink {
  margin-top: 0;
}

.flow > .backlink + .article__title {
  margin-top: 0.3em;
}

.doc__list {
  padding-left: 1.2em;
  display: grid;
  gap: 10px;
  font-size: clamp(1rem, 0.96rem + 0.2vw, 1.0625rem);
  line-height: 1.62;
  color: #242629;
}

/* ---------- footer (publisher imprint) ---------- */

.footer {
  padding: 40px var(--gutter) 48px;
  font-size: 0.8125rem;
  line-height: 1.6;
  color: var(--muted);
}

.footer > * {
  max-width: var(--col);
  margin-inline: auto;
}

.footer__owner p {
  margin: 0;
}

.footer__owner strong {
  color: var(--ink);
  font-weight: 700;
}

.footer__policies {
  margin-top: 14px;
}

.footer__policies ul {
  display: flex;
  flex-wrap: wrap;
  gap: 0 20px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer__policies a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: var(--ink-soft);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color 0.15s ease;
}

.footer__policies a:hover {
  color: var(--navy);
}

.end-line {
  margin-top: 10px;
  margin-bottom: 0;
  color: var(--muted);
}

/* ==========================================================================
   480px and up
   ========================================================================== */

@media (min-width: 480px) {
  :root {
    --gutter: 20px;
  }

  .masthead__bar {
    padding-block: 16px;
  }

  .highlight {
    padding: 24px 22px 22px;
  }

  .pullquote {
    padding: 24px 26px 24px 32px;
  }
}

/* ==========================================================================
   768px and up
   ========================================================================== */

@media (min-width: 768px) {
  :root {
    --gutter: 24px;
    --flow: 1.2em;
  }

  .article {
    padding-top: 30px;
  }

  .figure__frame--hero {
    aspect-ratio: 40 / 21;
  }

  .split {
    grid-template-columns: minmax(0, 224px) minmax(0, 1fr);
    gap: 32px;
    align-items: start;
  }

  .split--reverse {
    grid-template-columns: minmax(0, 1fr) minmax(0, 224px);
  }

  .split--reverse .split__media {
    order: 2;
  }

  .split .figure__frame--portrait {
    aspect-ratio: 3 / 4;
  }

  .highlight__facts {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr);
  }

  .band--tint {
    padding-block: 60px;
  }

  .band--close {
    padding-block: 60px 68px;
  }

  .footer {
    padding-top: 56px;
  }
}

/* ==========================================================================
   1024px and up
   ========================================================================== */

@media (min-width: 1024px) {
  .masthead__bar {
    padding: 18px 24px 16px;
  }

  .article {
    padding-top: 36px;
  }

  .flow > .section__title {
    margin-top: 2.6em;
  }

  .flow > .figure {
    margin-top: 2em;
  }

  .band--tint {
    padding-block: 72px;
  }

  .footer {
    padding-bottom: 64px;
  }
}

/* ---------- motion preferences ---------- */

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
    scroll-behavior: auto !important;
  }
}