/* Mainstay Payments shared design system
   Any change to header, nav, footer or type must be applied to ALL pages.
   Rule: no em dashes or en dashes anywhere in this site. Short hyphens only. */

:root{
  --paper:#F7F5F1;
  --paper-2:#EFEBE3;
  --ink:#141310;
  --ink-soft:#3A3733;
  --muted:#6E6A61;
  --rule:#DED8CD;
  --blue:#1F3FB8;
  --blue-soft:#4C6BD6;

  --display:"Newsreader",Georgia,serif;
  --ui:"Inter Tight",system-ui,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,monospace;

  --gut:clamp(20px,5vw,72px);
  --rgap:clamp(14px,2vw,32px);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--ui);font-size:clamp(15px,1.05vw,17px);line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 var(--gut)}

/* ---------- header ---------- */
header{border-bottom:1px solid var(--rule);position:sticky;top:0;background:var(--paper);z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:18px}
.brand img{height:32px;width:auto}
nav{display:flex;align-items:center;gap:clamp(14px,2.2vw,30px);margin-left:auto}
.navend{display:flex;align-items:center;gap:clamp(32px,3.6vw,56px);padding-left:clamp(14px,1.8vw,30px)}
nav a{
  font-size:.83rem;letter-spacing:.02em;text-decoration:none;color:var(--ink-soft);
  padding-bottom:2px;border-bottom:1px solid transparent;transition:border-color .2s,color .2s;
  white-space:nowrap;
}
nav a:hover{color:var(--ink);border-bottom-color:var(--blue)}
nav a[aria-current="page"]{color:var(--ink);border-bottom-color:var(--ink)}
.tel{font-family:var(--mono);font-size:.8rem;letter-spacing:0;text-decoration:none;color:var(--ink);white-space:nowrap}
.tel:hover{color:var(--blue)}
.btn-sm{
  font-size:.8rem;text-decoration:none;padding:9px 14px;border:1px solid var(--ink);
  border-radius:2px;color:var(--ink);
}
.btn-sm:hover{background:var(--ink);color:var(--paper)}

/* ---------- type ---------- */
.eyebrow{
  display:flex;align-items:center;gap:10px;flex-wrap:wrap;
  font-family:var(--mono);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--muted);margin:0 0 22px;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--rule);display:block;flex:none}
h1{
  font-family:var(--display);font-weight:400;
  font-size:clamp(2.5rem,5.9vw,4.5rem);line-height:1.12;letter-spacing:0;
  word-spacing:.01em;margin:0 0 24px;
  text-wrap:balance;overflow-wrap:break-word;
}
h1 em{font-style:italic;color:var(--blue)}
h1.sm{font-size:clamp(2.1rem,4.3vw,3.35rem);line-height:1.14}
.lede{max-width:46ch;color:var(--ink-soft);font-size:clamp(1rem,1.1vw,1.1rem);line-height:1.62;margin:0}
h2{
  font-family:var(--display);font-weight:400;font-size:clamp(1.7rem,2.9vw,2.45rem);
  line-height:1.2;letter-spacing:0;word-spacing:.01em;margin:0;
  text-wrap:balance;overflow-wrap:break-word;
}
h3{font-size:1.02rem;font-weight:500;letter-spacing:-.003em;margin:0}

/* ---------- hero ---------- */
.hero{padding-block:clamp(44px,6vw,92px) clamp(38px,5vw,68px)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(32px,5vw,80px);align-items:end}

/* interior page head */
.page-head{padding-block:clamp(40px,5.5vw,76px) clamp(28px,4vw,44px);border-bottom:1px solid var(--rule)}
.page-head .lede{margin-top:4px}

/* ---------- calculator ---------- */
.calc{background:var(--ink);color:#F4F1EB;border-radius:3px;padding:clamp(22px,2.4vw,32px)}
.calc .cap{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:#8C887E;margin:0 0 22px}
.field{margin-bottom:18px}
.field label{display:block;font-size:.76rem;color:#A8A49A;margin-bottom:7px;letter-spacing:.01em}
.inputrow{display:flex;align-items:baseline;border-bottom:1px solid #33302A;padding-bottom:6px}
.inputrow .unit{font-family:var(--mono);font-size:.95rem;color:#6E6A61;margin-right:8px}
.inputrow .unit.post{margin:0 0 0 2px}
.inputrow input{
  background:none;border:0;color:#F4F1EB;font-family:var(--mono);font-size:1.45rem;
  width:6.2ch;padding:0;outline:none;font-variant-numeric:tabular-nums;min-width:0;
}
.inputrow input.wide{width:10ch}
#rate{width:3.9ch}
.inputrow input:focus{color:#fff}
.result{margin-top:26px;padding-top:22px;border-top:1px solid #33302A}
.result .k{font-size:.76rem;color:#A8A49A;margin:0 0 6px}
.result .v{
  font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;
  font-size:clamp(1.8rem,3.2vw,2.4rem);line-height:1.05;letter-spacing:-.01em;margin:0;color:#fff;
}
.result .sub{font-size:.76rem;color:#7E7A70;margin:10px 0 0}

/* ---------- sections ---------- */
section{padding-block:clamp(48px,6.5vw,84px);border-top:1px solid var(--rule)}
.sec-head{margin-bottom:clamp(26px,3.5vw,46px)}
.after{margin-top:24px}
.after p{margin:0;color:var(--muted);font-size:.94rem;line-height:1.6;max-width:58ch}

.rows{border-top:1px solid var(--rule)}
.row{
  display:grid;grid-template-columns:minmax(0,min(30ch,40%)) minmax(0,1fr);
  grid-template-areas:"n ." "h p";
  gap:0 var(--rgap);padding:26px 0;border-bottom:1px solid var(--rule);align-items:start;
}
.row .n{grid-area:n;font-family:var(--mono);font-size:.72rem;color:var(--muted);margin:0 0 5px}
.row h3{grid-area:h}
.row p{grid-area:p;margin:0;color:var(--muted);font-size:.94rem;line-height:1.6;max-width:48ch}

.tablewrap{overflow-x:auto}
.compare{width:100%;border-collapse:collapse;font-size:.93rem}
.compare th{
  text-align:left;font-family:var(--mono);font-size:.68rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted);font-weight:400;
  padding:0 0 12px;border-bottom:1px solid var(--ink);
}
.compare th:first-child{width:25%}
.compare td{padding:16px 0;border-bottom:1px solid var(--rule);vertical-align:top;color:var(--ink-soft)}
.compare td:first-child{color:var(--ink);font-weight:500}
.compare tr:last-child td{border-bottom:0}
.compare td.num{font-family:var(--mono);font-size:.88rem}

.chips{display:flex;flex-wrap:wrap;gap:0;margin:0;padding:0}
.chips li{list-style:none;font-size:.95rem;color:var(--ink-soft);padding:13px 0;width:50%;border-bottom:1px solid var(--rule);display:flex;align-items:baseline;gap:10px}
.chips li::before{content:"";width:5px;height:5px;background:var(--blue);display:block;flex:none;margin-top:8px}

.note{max-width:76ch}
.note p{font-family:var(--display);font-size:clamp(1.25rem,2vw,1.7rem);line-height:1.4;letter-spacing:0;word-spacing:.02em;margin:0;text-wrap:pretty}
.note p + p{font-family:var(--ui);font-size:.95rem;color:var(--muted);margin-top:18px;line-height:1.65;max-width:54ch}

/* prose (legal and about) */
.prose{max-width:66ch}
.prose h2{font-size:clamp(1.35rem,2.2vw,1.8rem);margin:44px 0 12px}
.prose h2:first-child{margin-top:0}
.prose p,.prose li{color:var(--ink-soft);font-size:.97rem;line-height:1.7}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 18px;padding-left:20px}
.prose li{margin-bottom:8px}
.prose a{color:var(--blue);text-decoration:none;border-bottom:1px solid rgba(31,63,184,.3)}
.prose .updated{font-family:var(--mono);font-size:.72rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}

/* form */
.formgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px 26px;max-width:760px}
.f{display:flex;flex-direction:column;gap:7px}
.f.full{grid-column:1 / -1}
.f label{font-size:.78rem;color:var(--muted);letter-spacing:.01em}
.f input,.f textarea,.f select{
  font-family:var(--ui);font-size:.98rem;color:var(--ink);background:transparent;
  border:0;border-bottom:1px solid var(--rule);padding:8px 0;outline:none;border-radius:0;width:100%;
}
.f input:focus,.f textarea:focus,.f select:focus{border-bottom-color:var(--blue)}
.f textarea{resize:vertical;min-height:104px}
.f.full .btn{align-self:flex-start;min-width:200px}
.btn{
  display:inline-block;background:var(--ink);color:#F7F5F1;text-decoration:none;
  font-size:.88rem;font-weight:500;letter-spacing:.01em;padding:14px 22px;border-radius:2px;
  border:0;cursor:pointer;font-family:var(--ui);text-align:center;
}
.btn:hover{background:var(--blue)}
.fineprint{font-size:.78rem;color:var(--muted);margin:16px 0 0;max-width:52ch;line-height:1.6}
.thanks{display:none;border-top:1px solid var(--rule);padding-top:20px;margin-top:26px}
.thanks p{font-family:var(--display);font-size:1.3rem;margin:0;line-height:1.35}

/* cta */
.cta{border-top:1px solid var(--rule);padding-block:clamp(48px,6.5vw,88px)}
.cta-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:clamp(24px,4vw,60px);align-items:end}
.cta h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
.contact{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.contact .tel{font-size:.82rem;color:var(--muted)}
.contact .tel:hover{color:var(--ink)}

/* footer */
footer{border-top:1px solid var(--rule);padding:46px 0 52px;font-size:.78rem;color:var(--muted);text-align:center}
.foot{display:flex;flex-direction:column;align-items:center}
.foot img{height:26px;width:auto;opacity:.85;margin:0 0 16px}
.foot p{margin:0 0 12px;line-height:1.65;max-width:62ch}
.foot .legal{max-width:66ch;margin:4px 0 14px}
.foot .copy{margin:0;font-family:var(--mono);font-size:.68rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted)}
.foot-links{display:flex;gap:24px;flex-wrap:wrap;justify-content:center;align-items:baseline;margin:0 0 18px}
.foot a{color:var(--muted);text-decoration:none;border-bottom:1px solid transparent}
.foot a:hover{color:var(--ink);border-bottom-color:var(--rule)}
.foot-links a{font-family:var(--mono);font-size:.72rem;letter-spacing:.04em}

/* reveal */
.rise{opacity:1;transform:none}
.rise.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1024px){
  .hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,.95fr);gap:36px}
}

@media (max-width:900px){
  .hero-grid,.cta-inner,.foot{grid-template-columns:1fr}
  .calc{max-width:520px}
  .cta-inner{align-items:start}
}

@media (max-width:860px){
  .bar{flex-wrap:wrap;gap:10px;padding-block:13px}
  .navend{order:2;margin-left:auto}
  .brand img{height:26px}
  nav{
    order:3;width:100%;gap:20px;overflow-x:auto;padding:11px 0 3px;
    border-top:1px solid var(--rule);justify-content:flex-start;
    scrollbar-width:none;-webkit-overflow-scrolling:touch;
  }
  nav::-webkit-scrollbar{display:none}
  .formgrid{grid-template-columns:1fr}
  .note p{font-size:clamp(1.15rem,4.4vw,1.4rem)}
  .chips li{width:100%}
  .foot-links{gap:18px}
}

@media (max-width:700px){
  /* table stacks into labelled blocks */
  .compare thead{display:none}
  .compare,.compare tbody,.compare tr,.compare td{display:block;width:100%}
  .compare tr{padding:16px 0;border-bottom:1px solid var(--rule)}
  .compare tr:last-child{border-bottom:0}
  .compare td{border:0;padding:0;font-size:.94rem}
  .compare td:first-child{
    font-family:var(--mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;
    color:var(--muted);font-weight:400;margin-bottom:8px;
  }
  .compare td:not(:first-child){margin:0 0 12px;display:block}
  .compare td:not(:first-child)::before{
    content:attr(data-l);display:block;margin-bottom:2px;color:var(--muted);
    font-family:var(--mono);font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;
  }
  .row{grid-template-columns:minmax(0,1fr);grid-template-areas:"n" "h" "p";padding:22px 0}
  .row h3{margin-bottom:6px}
  .row p{grid-area:p;max-width:none}
  h1{line-height:1.14}
  .hero{padding-top:34px}
  .calc{padding:20px}
  .inputrow input{font-size:1.3rem}
  .foot-links{gap:14px}
}

@media (max-width:420px){
  .brand img{height:23px}
  .btn{padding:13px 18px;font-size:.85rem}
  .contact .tel{font-size:.78rem}
  .navend .btn-sm{display:none}
  .navend .tel{font-size:.8rem}
}

@media (prefers-reduced-motion:reduce){
  .rise{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}