/* Fundo daylight system. One visual language, product first. */
:root {
  --dl-canvas: #f4f7fb;
  --dl-white: #ffffff;
  --dl-navy: #102a43;
  --dl-blue: #2f6fed;
  --dl-blue-dark: #2157bd;
  --dl-sky: #e4f2ff;
  --dl-sky-strong: #bcdffc;
  --dl-yellow: #ffd66b;
  --dl-yellow-soft: #fff7d6;
  --dl-body: #5c6f82;
  --dl-muted: #8090a0;
  --dl-line: #d7e0ea;
  --dl-danger: #ba4a45;
  --positive: #2f6fed;
  --violet: #2f6fed;
  --violet-dark: #2157bd;
  --violet-soft: #e4f2ff;
  --violet-pale: #f4f7fb;
}

html { background: var(--dl-canvas); }
body,
body.home-v4,
body.guide-v4,
body.app-v3,
body.doc-v3 {
  color: var(--dl-navy);
  background: var(--dl-canvas);
  font-family: Inter, "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif;
  font-size: 17px;
  line-height: 1.65;
}
body::before,
.saving-hero::before,
.saving-hero::after,
.simulator-section::before,
.explain-section::before,
.control-section::before { display: none !important; }
.wrap,
.home-v4 .wrap,
.guide-v4 .wrap { width: min(1180px, calc(100% - 48px)); }
.hidden { display: none !important; }

.demo-note,
.home-v4 .demo-note,
.guide-v4 .demo-note,
.app-v3 .demo-note,
.doc-v3 .demo-note {
  min-height: 34px;
  padding: 6px 20px;
  color: #536d86;
  background: var(--dl-sky);
  border-bottom: 1px solid var(--dl-sky-strong);
  font-size: 13px;
}
.home-v4 .demo-note strong,
.guide-v4 .demo-note strong,
.app-v3 .demo-note strong,
.doc-v3 .demo-note strong { color: var(--dl-navy); }

.site-nav,
.home-v4 .site-nav,
.guide-v4 .site-nav,
.app-v3 .site-nav,
.doc-v3 .site-nav {
  position: relative;
  top: auto;
  z-index: 30;
  color: var(--dl-navy);
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--dl-line);
  box-shadow: none;
  backdrop-filter: blur(12px);
}
.nav-inner { min-height: 72px; gap: 24px; }
.brand { gap: 10px; color: var(--dl-navy); font-size: 21px; font-weight: 750; letter-spacing: -.03em; }
.brand-mark,
.home-v4 .brand-mark,
.guide-v4 .brand-mark,
.app-v3 .brand-mark,
.doc-v3 .brand-mark {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  color: #fff;
  background: var(--dl-blue);
  border: 0;
  border-radius: 9px;
  box-shadow: none;
  font-size: 17px;
}
.nav-links { gap: 30px; }
.nav-links a,
.back-link { color: var(--dl-body); font-size: 14px; font-weight: 600; }
.nav-links a:hover,
.back-link:hover { color: var(--dl-blue); }

.btn,
button.btn,
.home-v4 .btn,
.guide-v4 .btn,
.app-v3 .btn,
.doc-v3 .btn {
  min-height: 48px;
  padding: 12px 20px;
  color: #fff;
  background: var(--dl-navy);
  border: 1px solid var(--dl-navy);
  border-radius: 9px;
  box-shadow: none;
  font-size: 15px;
  font-weight: 650;
  line-height: 1.25;
  transition: background-color .16s ease, border-color .16s ease, transform .16s ease;
}
.btn:hover,
.home-v4 .btn:hover,
.guide-v4 .btn:hover,
.app-v3 .btn:hover { color: #fff; background: var(--dl-blue); border-color: var(--dl-blue); transform: translateY(-1px); }
.btn-soft,
.btn-quiet,
.btn-outline,
.home-v4 .btn-soft,
.guide-v4 .btn-soft,
.app-v3 .btn-soft,
.doc-v3 .btn-soft {
  color: var(--dl-navy) !important;
  background: var(--dl-white) !important;
  border-color: var(--dl-line) !important;
}
.btn-soft:hover,
.btn-quiet:hover,
.btn-outline:hover { color: var(--dl-blue) !important; border-color: var(--dl-blue) !important; }
.btn-dark { background: var(--dl-navy); border-color: var(--dl-navy); }
.btn-danger { color: var(--dl-danger); background: #fff; border-color: #e7c6c3; }

/* Homepage */
.saving-hero {
  min-height: auto;
  padding: 96px 0 104px;
  color: var(--dl-navy);
  background: var(--dl-canvas);
  overflow: hidden;
}
.saving-hero-copy { max-width: 920px; text-align: left; }
.product-chip {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin: 0 0 24px;
  padding: 0;
  color: var(--dl-blue);
  background: transparent;
  border: 0;
  font-size: 14px;
  font-weight: 650;
}
.product-chip span {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  color: #fff;
  background: var(--dl-blue);
  border-radius: 8px;
}
.saving-hero h1,
.home-v4 .saving-hero h1 {
  max-width: 870px;
  margin: 0;
  color: var(--dl-navy);
  font-size: clamp(52px, 7vw, 86px);
  font-weight: 650;
  line-height: 1.03;
  letter-spacing: -.06em;
}
.saving-hero h1 em {
  color: var(--dl-blue);
  font: inherit;
  font-style: normal;
}
.saving-hero-copy > p:not(.product-chip) {
  max-width: 690px;
  margin: 28px 0 0;
  color: var(--dl-body);
  font-size: 20px;
  line-height: 1.7;
}
.hero-buttons { justify-content: flex-start; margin-top: 34px; gap: 10px; }
.hero-proof { justify-content: flex-start; gap: 10px 28px; margin-top: 28px; color: var(--dl-body); font-size: 13px; }
.hero-proof span::before { margin-right: 7px; color: var(--dl-blue); content: "✓"; font-weight: 700; }

.product-stage { margin-top: 66px; }
.product-window {
  overflow: hidden;
  background: var(--dl-white);
  border: 1px solid #cbd7e3;
  border-radius: 16px;
  box-shadow: none;
}
.product-topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 58px;
  padding: 0 24px;
  color: var(--dl-muted);
  background: #fff;
  border-bottom: 1px solid var(--dl-line);
  font-size: 13px;
}
.product-topbar > div { display: flex; align-items: center; gap: 10px; color: var(--dl-navy); }
.product-logo { display: grid; place-items: center; width: 28px; height: 28px; color: #fff; background: var(--dl-blue); border-radius: 8px; font-weight: 700; }
.product-content { display: grid; grid-template-columns: 170px minmax(0, 1fr); }
.product-sidebar { display: flex; flex-direction: column; gap: 4px; padding: 24px 18px; background: #f8fafc; border-right: 1px solid var(--dl-line); }
.product-sidebar span,
.product-sidebar b,
.product-sidebar a { padding: 10px 12px; border-radius: 8px; font-size: 14px; }
.product-sidebar b { color: var(--dl-blue); background: var(--dl-sky); }
.product-sidebar span { color: var(--dl-body); }
.product-sidebar a { margin-top: auto; color: var(--dl-blue); text-decoration: none; }
.product-main { padding: 32px; }
.product-greeting { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.product-greeting small { color: var(--dl-muted); }
.product-greeting h4 { margin: 5px 0 2px; color: var(--dl-navy); font-size: 28px; font-weight: 650; letter-spacing: -.03em; }
.product-greeting p { color: var(--dl-body); font-size: 14px; }
.product-running { display: inline-flex; align-items: center; gap: 8px; padding: 8px 12px; color: #3e5872; background: var(--dl-sky); border-radius: 8px; font-size: 12px; font-weight: 600; }
.product-running i { width: 8px; height: 8px; background: var(--dl-blue); border-radius: 50%; }
.product-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.product-metrics article { padding: 24px; background: #fff; border: 1px solid var(--dl-line); border-radius: 12px; }
.product-metrics article:first-child { background: var(--dl-navy); border-color: var(--dl-navy); }
.product-metrics span { display: block; color: var(--dl-muted); font-size: 13px; }
.product-metrics strong { display: block; margin: 6px 0 4px; color: var(--dl-navy); font-size: clamp(30px, 4vw, 46px); line-height: 1.15; letter-spacing: -.045em; font-variant-numeric: tabular-nums; }
.product-metrics small { color: var(--dl-body); }
.product-metrics article:first-child span,
.product-metrics article:first-child small { color: #b9c9d7; }
.product-metrics article:first-child strong { color: #fff; }
.product-progress { height: 7px; margin: 18px 0 10px; overflow: hidden; background: #edf1f5; border-radius: 99px; }
.product-progress i { display: block; width: 94%; height: 100%; background: var(--dl-blue); }
.product-activity { margin-top: 16px; border: 1px solid var(--dl-line); border-radius: 12px; }
.product-activity > div { display: grid; grid-template-columns: 80px 1fr auto; gap: 18px; padding: 16px 20px; border-bottom: 1px solid var(--dl-line); }
.product-activity > div:last-child { border-bottom: 0; }
.product-activity span { color: var(--dl-blue); font-size: 12px; }
.product-activity b { font-size: 14px; }
.product-activity strong { color: var(--dl-body); font-size: 13px; }
.product-caption { display: flex; justify-content: center; gap: 32px; margin: 18px 0 0; color: var(--dl-body); font-size: 13px; }
.product-caption span::before { display: inline-block; width: 7px; height: 7px; margin-right: 8px; background: var(--dl-yellow); border-radius: 50%; content: ""; }

.simulator-section { padding: 106px 0; color: var(--dl-navy); background: var(--dl-white); }
.simulator-wrap { align-items: center; gap: 70px; }
.simulator-title > span,
.explain-head > span,
.control-copy > span,
.choice-head > span,
.questions-grid > div:first-child > span,
.eyebrow,
.wizard-kicker { color: var(--dl-blue); font-size: 14px; font-weight: 600; letter-spacing: 0; text-transform: none; }
.simulator-title h2,
.explain-head h2,
.control-copy h2,
.choice-head h2,
.questions-grid h2,
.doc-hero h1,
.section-head h2,
.home-v4 h2,
.guide-v4 h2 {
  margin-top: 12px;
  color: var(--dl-navy);
  font-size: clamp(38px, 4.8vw, 58px);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -.045em;
}
.simulator-title p,
.explain-head p,
.control-copy p,
.questions-grid p { color: var(--dl-body); }
.simulator-card {
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--dl-line);
  border-radius: 16px;
  box-shadow: none;
}
.sim-input { padding: 32px; }
.sim-input label { color: var(--dl-navy); font-size: 14px; }
.money-input { background: #fff; border: 1px solid var(--dl-line); border-radius: 9px; }
.money-input:focus-within { border-color: var(--dl-blue); box-shadow: 0 0 0 3px rgba(47,111,237,.11); }
.money-input span { color: var(--dl-body); }
.money-input input { color: var(--dl-navy); }
.sim-input p { color: var(--dl-muted); }
.rate-choice { gap: 8px; }
.rate-choice button { min-height: 66px; color: var(--dl-navy); background: #f8fafc; border: 1px solid var(--dl-line); border-radius: 9px; }
.rate-choice button.on { color: #fff; background: var(--dl-blue); border-color: var(--dl-blue); box-shadow: none; }
.rate-choice button span { color: inherit; opacity: .75; }
.sim-output { padding: 32px; color: #fff; background: var(--dl-navy); }
.sim-output > span,
.sim-output p,
.sim-output small { color: #bbc9d6; }
.sim-output strong { color: #fff; font-variant-numeric: tabular-nums; }
.output-details { border-color: rgba(255,255,255,.18); }
.home-v4 .sim-output .btn-main { color: var(--dl-navy); background: var(--dl-yellow); border-color: var(--dl-yellow); }

.explain-section { padding: 106px 0; background: var(--dl-canvas); }
.explain-head { text-align: left; }
.money-path { align-items: stretch; gap: 16px; margin-top: 42px; }
.money-path article { min-height: 270px; padding: 28px; text-align: left; background: #fff; border: 1px solid var(--dl-line); border-radius: 12px; box-shadow: none; }
.path-icon { display: grid; place-items: center; width: 44px; height: 44px; color: var(--dl-blue); background: var(--dl-sky); border: 0; border-radius: 10px; font-size: 18px; font-weight: 700; }
.money-path article > span { color: var(--dl-blue); }
.money-path h4 { color: var(--dl-navy); font-size: 22px; font-weight: 600; }
.money-path p { color: var(--dl-body); }
.path-arrow { color: var(--dl-sky-strong); }

.control-section { padding: 106px 0; color: var(--dl-navy); background: var(--dl-sky); }
.control-grid { align-items: center; gap: 70px; }
.inline-link { color: var(--dl-blue); text-decoration-color: var(--dl-blue); }
.permission-card { overflow: hidden; background: #fff; border: 1px solid #c5d8e8; border-radius: 16px; box-shadow: none; }
.permission-title { background: #f8fbfe; border-color: var(--dl-line); }
.permission-title b { color: var(--dl-blue-dark); background: var(--dl-sky); }
.permission-row { border-color: var(--dl-line); }
.permission-row i { border-radius: 8px; }
.permission-row.allow i { color: #fff; background: var(--dl-blue); }
.permission-row.deny i { color: var(--dl-danger); background: #fae8e7; }
.permission-row span b { color: var(--dl-navy); }
.permission-row span small { color: var(--dl-body); }
.permission-row strong { color: var(--dl-blue); }
.permission-row.deny strong { color: var(--dl-danger); }
.risk-strip { color: var(--dl-navy); background: var(--dl-yellow-soft); border: 1px solid #f0d989; border-radius: 12px; }
.risk-strip p { color: #74683f; }

.choice-section { padding: 104px 0; color: #fff; background: var(--dl-navy); }
.choice-head > span { color: var(--dl-sky-strong); }
.choice-head h2 { color: #fff; }
.path-choices { gap: 16px; }
.path-choices a { color: var(--dl-navy); background: #fff; border: 1px solid #fff; border-radius: 12px; box-shadow: none; }
.path-choices a:hover { transform: translateY(-3px); background: #fff; border-color: var(--dl-sky-strong); box-shadow: none; }
.path-choices a > span { color: var(--dl-blue); }
.path-choices h4 { color: var(--dl-navy); }
.path-choices p { color: var(--dl-body); }
.home-v4 .path-choices a > b { color: var(--dl-blue); }

.questions-section { padding: 104px 0; background: #fff; }
.questions-grid { gap: 80px; }
.faq-list details,
.setup-step,
.advanced,
.optional-settings { border-color: var(--dl-line); }
.faq-list summary,
.setup-step summary,
.advanced summary,
.optional-settings summary { color: var(--dl-navy); }
.faq-answer,
.setup-step p { color: var(--dl-body); }

footer,
.home-v4 footer,
.guide-v4 footer { color: var(--dl-body); background: var(--dl-canvas); border-top: 1px solid var(--dl-line); }
.footer-links a,
.source-links a { color: var(--dl-blue-dark); }
.disclaimer { color: var(--dl-body); }

/* Onboarding */
.wizard-shell { min-height: 76vh; background: var(--dl-canvas); }
.wizard-start { padding: 88px 0 106px; background: var(--dl-canvas); }
.wizard-start-inner { max-width: 850px; }
.wizard-start h1,
.wizard-copy h2,
.app-head h1 {
  color: var(--dl-navy);
  font-size: clamp(40px, 5vw, 60px);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -.045em;
}
.wizard-start-inner > p:not(.wizard-kicker):not(.wizard-reassure),
.wizard-lead,
.app-head > div > p:last-child { color: var(--dl-body); }
.starting-options { gap: 12px; }
.starting-options button { padding: 22px; color: var(--dl-navy); background: #fff; border: 1px solid var(--dl-line); border-radius: 12px; box-shadow: none; }
.starting-options button:hover,
.starting-options button:focus-visible { transform: translateX(4px); border-color: var(--dl-blue); box-shadow: none; }
.starting-options button i { color: #fff; background: var(--dl-blue); border-radius: 10px; }
.starting-options button span small { color: var(--dl-body); }
.starting-options button strong { color: var(--dl-blue); }
.wizard-reassure { color: #526a81; background: var(--dl-sky); border-color: var(--dl-sky-strong); }
.wizard-progress-wrap { background: #fff; border-color: var(--dl-line); }
.wizard-progress-head button { color: var(--dl-blue); }
.wizard-progress-head span { color: var(--dl-body); }
.progress-track { background: #e9eff5; }
.progress-track i { background: var(--dl-blue); }
.wizard-step { padding: 74px 0 120px; }
.wizard-grid { gap: 70px; }
.wizard-copy { max-width: 620px; }
.do-now,
.prepare-list,
.time-hint { background: var(--dl-sky); border-color: var(--dl-sky-strong); border-radius: 12px; }
.prepare-list > div i { color: #fff; background: var(--dl-blue); border-radius: 8px; }
.step-visual { padding: 26px; background: #fff; border: 1px solid var(--dl-line); border-radius: 16px; box-shadow: none; }
.mini-browser,
.document-demo,
.network-warning,
.api-demo { background: #fff; border-color: var(--dl-line); border-radius: 12px; }
.browser-bar { background: #f4f7fa; border-color: var(--dl-line); }
.fake-input { background: #fff; border-color: var(--dl-line); }
.fake-button { color: #fff; background: var(--dl-blue); }
.tip-box { color: var(--dl-navy); background: var(--dl-yellow-soft); border-color: #efd882; border-radius: 10px; }
.tip-box p { color: #74683f; }
.deposit-options article { background: #fff; border-color: var(--dl-line); border-radius: 12px; }
.deposit-options article:first-child,
.deposit-options article:last-child { border-top-color: var(--dl-blue); }
.network-warning > i { color: #6d602f; background: var(--dl-yellow); }
.permission-checklist > div { border-color: var(--dl-line); }
.permission-checklist .yes i { color: #fff; background: var(--dl-blue); }
.permission-checklist .no i { color: var(--dl-danger); background: #fae8e7; }
.toggle.on { background: var(--dl-blue); }
.wizard-actions { background: rgba(255,255,255,.96); border-color: var(--dl-line); }

/* Product */
.app-tabs { background: #fff; border-color: var(--dl-line); }
.tabs-inner { gap: 4px; }
.tab-button { min-height: 54px; color: var(--dl-body); background: transparent; border-radius: 0; border-bottom: 3px solid transparent; }
.tab-button.on,
.app-v3 .tab-button.on { color: var(--dl-blue); background: transparent; border-bottom-color: var(--dl-blue); }
.seg { padding: 3px; background: #edf2f7; border: 1px solid var(--dl-line); border-radius: 9px; }
.seg button { color: var(--dl-body); border-radius: 7px; }
.seg button.on { color: #fff; background: var(--dl-blue); box-shadow: none; }
.app-main,
.app-v3 .app-main { min-height: 76vh; background: var(--dl-canvas); }
.app-view { padding: 68px 0 100px; }
.app-head { align-items: end; }
.summary-hero { gap: 16px; }
.income-story,
.balance-card,
.today,
.advanced,
.surface,
.guide-form,
.guide-sidebar,
.help-card,
.app-v3 .summary-hero,
.app-v3 .today,
.app-v3 .advanced,
.app-v3 .surface,
.app-v3 .guide-form,
.app-v3 .help-card { background: #fff; border: 1px solid var(--dl-line); border-radius: 14px; box-shadow: none; }
.income-story,
.app-v3 .income-story { color: #fff; background: var(--dl-navy); border-color: var(--dl-navy); box-shadow: none; }
.income-story .eyebrow { color: #b8c8d7; }
.income-story h2,
.income-story h2 span,
.app-v3 .income-story h2 { color: #fff; font-weight: 600; }
.income-story h2 small,
.income-note { color: #bbc9d6; }
.balance-total,
.app-v3 .balance-total { color: var(--dl-navy); font-weight: 600; font-variant-numeric: tabular-nums; }
.balance-bar { background: #eaf0f5; }
.balance-bar i,
.app-v3 .balance-bar i { background: var(--dl-blue); }
.balance-key { border-color: var(--dl-line); }
.balance-key span { color: var(--dl-body); }
.today { margin-top: 20px; }
.today-head { border-color: var(--dl-line); }
.status-pill { color: var(--dl-blue-dark); background: var(--dl-sky); border: 1px solid var(--dl-sky-strong); border-radius: 8px; }
.timeline::before { background: var(--dl-line); }
.timeline-item::before { background: var(--dl-blue); border-color: #fff; }
.timeline-item time { color: var(--dl-blue); }
.timeline-item p { color: var(--dl-body); }
.advanced { background: #fff; }
.advanced-body { border-color: var(--dl-line); }
.chart-svg g { fill: var(--dl-blue); }
.table-scroll { border: 1px solid var(--dl-line); border-radius: 12px; }
table { color: var(--dl-navy); background: #fff; }
th { color: var(--dl-body); background: #f3f6f9; }
th, td { border-color: var(--dl-line); }
.guide-layout { gap: 20px; }
.guide-sidebar,
.app-v3 .guide-sidebar { color: var(--dl-navy); background: var(--dl-sky); border: 1px solid var(--dl-sky-strong); border-radius: 14px; }
.guide-sidebar p { color: var(--dl-body); }
.permission-plain > div { border-color: #c5daec; }
.permission-plain i { color: #fff; background: var(--dl-blue); }
.permission-plain .no i { color: var(--dl-danger); background: #fae8e7; }
.guide-form { box-shadow: none; }
.setup-step { background: #f8fafc; }
.warning-box { color: #6e6234; background: var(--dl-yellow-soft); border-color: #ecd474; border-radius: 10px; }
.text-input,
.select { color: var(--dl-navy); background: #fff; border-color: var(--dl-line); border-radius: 9px; }
.text-input:focus,
.select:focus,
.app-v3 .text-input:focus,
.app-v3 .select:focus { border-color: var(--dl-blue); outline: 2px solid rgba(47,111,237,.12); box-shadow: none; }
.field small,
.fine { color: var(--dl-body); }
.account-grid,
.help-grid { gap: 16px; }
.surface h4,
.help-card h4 { color: var(--dl-navy); }
.account-row { border-color: var(--dl-line); }
.help-card { background: var(--dl-sky); border-color: var(--dl-sky-strong); }
.toast { color: #fff; background: var(--dl-navy); border-radius: 10px; box-shadow: none; }

/* Internal document */
.doc-hero,
.doc-v3 .doc-hero { color: var(--dl-navy); background: var(--dl-sky); border-bottom: 1px solid var(--dl-sky-strong); }
.doc-hero h1 { color: var(--dl-navy); }
.doc-hero p { color: var(--dl-body); }
.section { background: var(--dl-canvas); }
.brand-table { box-shadow: none; }
.score,
.doc-v3 .score { color: var(--dl-blue); }
.rank-row { background: #fff; border-color: var(--dl-line); border-radius: 12px; }
.rank-number { color: #fff; background: var(--dl-blue); border-radius: 9px; }
.risk-main { color: #6e6234; background: var(--dl-yellow-soft); border-color: #ecd474; border-radius: 12px; }

@media (hover: hover) and (pointer: fine) {
  .rate-choice button:hover { border-color: var(--dl-blue); }
  .starting-options button:hover { border-color: var(--dl-blue); box-shadow: none; }
}

@media (max-width: 960px) {
  .nav-links { display: none; }
  .saving-hero { padding: 72px 0 86px; }
  .simulator-wrap,
  .control-grid,
  .questions-grid,
  .wizard-grid,
  .guide-layout { grid-template-columns: 1fr; gap: 46px; }
  .money-path { grid-template-columns: 1fr; }
  .path-arrow { transform: rotate(90deg); }
  .summary-hero { grid-template-columns: 1fr; }
  .guide-sidebar { position: static; }
}

@media (max-width: 680px) {
  body,
  body.home-v4,
  body.guide-v4,
  body.app-v3 { font-size: 16px; }
  .wrap,
  .home-v4 .wrap,
  .guide-v4 .wrap { width: min(100% - 32px, 1180px); }
  .demo-note { padding: 7px 16px; font-size: 11px; }
  .nav-inner { min-height: 64px; }
  .nav-actions .btn-soft,
  .back-link { display: none; }
  .site-nav .btn { min-height: 42px; padding: 9px 13px; font-size: 13px; }
  .saving-hero { padding: 54px 0 70px; }
  .saving-hero h1,
  .home-v4 .saving-hero h1 { font-size: clamp(45px, 14.5vw, 62px); }
  .saving-hero-copy > p:not(.product-chip) { margin-top: 22px; font-size: 17px; }
  .hero-buttons { display: grid; }
  .hero-buttons .btn { width: 100%; }
  .hero-proof { display: grid; gap: 7px; }
  .product-stage { margin-top: 46px; }
  .product-topbar { padding: 0 16px; }
  .product-topbar > span { display: none; }
  .product-content { grid-template-columns: 1fr; }
  .product-sidebar { display: none; }
  .product-main { padding: 20px; }
  .product-greeting { align-items: flex-start; }
  .product-running { flex: 0 0 auto; padding: 7px 9px; }
  .product-greeting h4 { font-size: 23px; }
  .product-greeting p { max-width: 190px; }
  .product-metrics { grid-template-columns: 1fr; }
  .product-metrics article { padding: 20px; }
  .product-metrics strong { font-size: 36px; }
  .product-activity > div { grid-template-columns: 60px 1fr; gap: 10px; }
  .product-activity strong { grid-column: 2; }
  .product-caption { flex-wrap: wrap; gap: 8px 18px; justify-content: flex-start; }
  .simulator-section,
  .explain-section,
  .control-section,
  .choice-section,
  .questions-section { padding: 76px 0; }
  .simulator-title h2,
  .explain-head h2,
  .control-copy h2,
  .choice-head h2,
  .questions-grid h2 { font-size: 38px; }
  .sim-input,
  .sim-output { padding: 24px 20px; }
  .rate-choice { grid-template-columns: 1fr; }
  .rate-choice button { min-height: 56px; }
  .money-path article { min-height: 0; padding: 24px; }
  .permission-row { grid-template-columns: 32px 1fr; }
  .permission-row strong { grid-column: 2; justify-self: start; }
  .risk-strip { align-items: flex-start; }
  .path-choices { grid-template-columns: 1fr; }
  .wizard-start { padding: 58px 0 78px; }
  .wizard-start h1,
  .wizard-copy h2,
  .app-head h1 { font-size: 41px; }
  .starting-options button { grid-template-columns: 42px 1fr; gap: 13px; }
  .starting-options button strong { grid-column: 2; justify-self: start; }
  .wizard-step { padding: 52px 0 110px; }
  .step-visual { padding: 18px; }
  .deposit-options { grid-template-columns: 1fr; }
  .wizard-actions .wrap { gap: 8px; }
  .wizard-actions .btn { padding-inline: 12px; font-size: 13px; }
  .tabs-inner { overflow-x: auto; }
  .tab-button { flex: 0 0 auto; padding-inline: 14px; }
  .app-view { padding: 48px 0 76px; }
  .app-head { align-items: flex-start; gap: 20px; }
  .balance-card,
  .income-story,
  .today,
  .guide-form,
  .guide-sidebar,
  .surface,
  .help-card { padding: 22px; }
  .account-grid,
  .help-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

/* Product depth layer */
.home-v4 .demo-note {
  color: rgba(255,255,255,.66);
  background: #08121e;
  border-color: rgba(255,255,255,.1);
}
.home-v4 .demo-note strong { color: #fff; }
.home-v4 .site-nav {
  color: #fff;
  background: #0b1928;
  border-color: rgba(255,255,255,.11);
}
.home-v4 .brand { color: #fff; }
.home-v4 .nav-links a { color: rgba(255,255,255,.68); }
.home-v4 .nav-links a:hover { color: #fff; }
.home-v4 .nav-actions .btn-soft {
  color: #fff !important;
  background: rgba(255,255,255,.06) !important;
  border-color: rgba(255,255,255,.18) !important;
}
.home-v4 .nav-actions .btn:not(.btn-soft) {
  color: var(--dl-navy);
  background: #fff;
  border-color: #fff;
}
.home-v4 .saving-hero {
  padding-top: 94px;
  color: #fff;
  background: #0b1928;
}
.home-v4 .product-chip { color: #a9ceff; }
.home-v4 .product-chip span { color: var(--dl-navy); background: #fff; }
.home-v4 .saving-hero h1 { color: #fff; }
.home-v4 .saving-hero h1 em { color: #74a9ff; }
.home-v4 .saving-hero-copy > p:not(.product-chip) { color: rgba(255,255,255,.68); }
.home-v4 .hero-buttons .btn-main {
  color: var(--dl-navy);
  background: #fff;
  border-color: #fff;
  border-radius: 999px;
}
.home-v4 .hero-buttons .btn-quiet {
  color: #fff !important;
  background: transparent !important;
  border-color: rgba(255,255,255,.28) !important;
  border-radius: 999px;
}
.home-v4 .hero-proof { color: rgba(255,255,255,.62); }
.home-v4 .hero-proof span::before { color: #74a9ff; }

.product-stage { margin-top: 72px; }
.product-window {
  background: #101b27;
  border-color: rgba(255,255,255,.14);
  border-radius: 22px;
}
.product-topbar {
  min-height: 62px;
  color: rgba(255,255,255,.5);
  background: #101b27;
  border-color: rgba(255,255,255,.1);
}
.product-topbar > div { color: #fff; }
.product-logo { color: var(--dl-navy); background: #fff; }
.product-content { grid-template-columns: 184px minmax(0,1fr); }
.product-sidebar {
  gap: 6px;
  padding: 26px 18px;
  color: #fff;
  background: #101b27;
  border-color: rgba(255,255,255,.1);
}
.product-sidebar b { color: #fff; background: rgba(116,169,255,.17); }
.product-sidebar span { color: rgba(255,255,255,.54); }
.product-sidebar a { color: #a9ceff; }
.product-main { padding: 30px; background: #f4f6f9; }
.product-greeting h4 { color: #111c29; }
.product-running { color: #245488; background: #deedff; }
.product-running i { background: #2f6fed; }
.product-kpis {
  display: grid;
  grid-template-columns: repeat(4, minmax(0,1fr));
  margin-top: 26px;
  overflow: hidden;
  background: #fff;
  border: 1px solid #d9e1ea;
  border-radius: 14px;
}
.product-kpis > div { min-width: 0; padding: 19px 20px; border-right: 1px solid #d9e1ea; }
.product-kpis > div:last-child { border-right: 0; }
.product-kpis span { display: block; color: #718196; font-size: 12px; }
.product-kpis b { display: block; margin: 6px 0 3px; color: #12263b; font-size: clamp(17px,2vw,23px); line-height: 1.2; letter-spacing: -.03em; font-variant-numeric: tabular-nums; white-space: nowrap; }
.product-kpis small { color: #8391a1; font-size: 11px; }
.product-kpis .positive { color: #16785a; }
.product-workspace { display: grid; grid-template-columns: 1.25fr .9fr; gap: 14px; margin-top: 14px; }
.yield-panel,
.activity-panel { min-width: 0; padding: 20px; background: #fff; border: 1px solid #d9e1ea; border-radius: 14px; }
.panel-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 18px; }
.panel-head > div { display: grid; }
.panel-head span { color: #718196; font-size: 11px; }
.panel-head b { color: #162a3f; font-size: 14px; }
.panel-head > strong { color: #14283c; font-size: 20px; font-variant-numeric: tabular-nums; }
.panel-head > strong small { color: #8290a0; font-size: 10px; font-weight: 500; }
.panel-head a { color: #2f6fed; font-size: 11px; font-weight: 650; }
.yield-chart { display: flex; align-items: end; gap: 7px; height: 124px; margin-top: 19px; padding-top: 12px; border-bottom: 1px solid #dde4eb; }
.yield-chart i { flex: 1; min-width: 5px; background: #2f6fed; border-radius: 3px 3px 0 0; }
.yield-chart i:nth-child(-n+7) { background: #a8c8ff; }
.chart-axis { display: flex; justify-content: space-between; margin-top: 7px; color: #8b98a7; font-size: 9px; }
.activity-row { display: grid; grid-template-columns: 30px 1fr auto; align-items: center; gap: 10px; padding: 14px 0; border-bottom: 1px solid #e2e8ee; }
.activity-row:last-child { border-bottom: 0; }
.activity-row > i { display: grid; place-items: center; width: 30px; height: 30px; color: #2f6fed; background: #e5f0ff; border-radius: 9px; font-style: normal; font-weight: 700; }
.activity-row > div { display: grid; }
.activity-row b { color: #193047; font-size: 12px; }
.activity-row small { color: #8b98a7; font-size: 9px; }
.activity-row strong { color: #506274; font-size: 11px; white-space: nowrap; }
.product-caption { color: rgba(255,255,255,.58); }
.product-caption span::before { background: #74a9ff; }

.home-v4 .simulator-section { background: #fff; }
.home-v4 .simulator-card { border-radius: 20px; }
.home-v4 .explain-section { background: #f2f4f7; }
.home-v4 .money-path article { border-radius: 20px; }
.home-v4 .control-section { background: #e0efff; }
.home-v4 .permission-card { border-radius: 20px; }
.home-v4 .choice-section { background: #0b1928; }
.home-v4 .path-choices a { border-radius: 20px; }
.home-v4 .questions-section { background: #fff; }
.home-v4 footer { color: rgba(255,255,255,.58); background: #07111c; border-color: rgba(255,255,255,.1); }
.home-v4 footer .brand { color: #fff; }
.home-v4 footer .footer-links a,
.home-v4 footer .source-links a { color: #9bc5ff; }
.home-v4 footer .disclaimer { color: rgba(255,255,255,.5); }

/* Logged-in product uses the same visual system */
.app-v3 .demo-note { color: rgba(255,255,255,.62); background: #08121e; border-color: rgba(255,255,255,.1); }
.app-v3 .demo-note strong { color: #fff; }
.app-v3 .site-nav { color: #fff; background: #0b1928; border-color: rgba(255,255,255,.1); }
.app-v3 .brand { color: #fff; }
.app-v3 .back-link { color: rgba(255,255,255,.62); }
.app-v3 .seg { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.14); }
.app-v3 .seg button { color: rgba(255,255,255,.62); }
.app-v3 .seg button.on { color: #0b1928; background: #fff; }
.app-v3 .app-head .seg { background: #e8edf3; border-color: #d1dbe5; }
.app-v3 .app-head .seg button { color: #657587; }
.app-v3 .app-head .seg button.on { color: #fff; background: #2f6fed; }
.app-v3 .app-tabs { background: #101b27; border-color: rgba(255,255,255,.1); }
.app-v3 .tab-button { color: rgba(255,255,255,.56); }
.app-v3 .tab-button.on { color: #fff; border-bottom-color: #74a9ff; }
.app-v3 .app-main { background: #f2f4f7; }
.app-v3 .income-story { background: #0f2a44; border-color: #0f2a44; }
.app-v3 .summary-hero,
.app-v3 .today,
.app-v3 .advanced,
.app-v3 .surface,
.app-v3 .guide-form,
.app-v3 .help-card { border-radius: 20px; }
.app-v3 .status-pill { border-radius: 999px; }

@media (max-width: 960px) {
  .product-kpis { grid-template-columns: 1fr 1fr; }
  .product-kpis > div:nth-child(2) { border-right: 0; }
  .product-kpis > div:nth-child(-n+2) { border-bottom: 1px solid #d9e1ea; }
  .product-workspace { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
  .home-v4 .saving-hero { padding-top: 58px; }
  .home-v4 .site-nav .nav-actions .btn { color: var(--dl-navy); background: #fff; border-color: #fff; }
  .product-window { border-radius: 18px; }
  .product-content { grid-template-columns: 1fr; }
  .product-sidebar { display: none; }
  .product-main { padding: 16px; }
  .product-greeting { display: grid; }
  .product-running { justify-self: start; }
  .product-kpis { grid-template-columns: 1fr 1fr; }
  .product-kpis > div { padding: 15px 14px; }
  .product-kpis b { font-size: 17px; }
  .yield-panel,
  .activity-panel { padding: 16px; }
  .yield-chart { height: 105px; gap: 5px; }
  .product-caption { display: none; }
  .app-v3 .site-nav .back-link { display: none; }
}