/* =========================================
   HOME
   Page-level styles for / (index.html).
   Loads after: tailwind, site, launch, consumer-bar.
   Sections: Trust section · Explore section (no longer on Home) · Lender band (no longer on Home) · Why Rinn
   Add new styles for this page here, inside the matching section.
   ========================================= */

/* ---------- Trust section ---------- */
/* Home: "Why you can trust Rinn". Scoped to .trust-proof; reuses site.css tokens (--navy, --forest, --teal, --line, --muted, --mist). */
.trust-proof{--trust-tint:#edf7f5;--trust-tint-line:#cde3de;--trust-card-line:#d9e5e2;--trust-status:#f0efed;--trust-ink:#44525f;padding-block:88px 96px;background:#fff}
.trust-proof__header{text-align:center;max-width:720px;margin:0 auto 44px}
.trust-eyebrow{margin:0 0 14px;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#0b7a6e}
.trust-proof .section-title{margin:0;color:var(--navy)}
.trust-proof__lede{margin:14px 0 0;font-size:clamp(18px,1.7vw,21px);line-height:1.5;color:var(--trust-ink)}

.trust-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media(min-width:1100px){
  .trust-grid:has(>.trust-card:nth-child(3):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
  .trust-grid:has(>.trust-card:nth-child(3):last-child) .trust-card__head{grid-template-columns:1fr;gap:18px}
}
.trust-card{position:relative;display:flex;flex-direction:column;gap:22px;min-width:0;padding:32px 32px 28px;overflow:hidden;background:#fff;border:1px solid var(--trust-card-line);border-radius:16px;transition:border-color .24s ease,box-shadow .24s ease,transform .24s cubic-bezier(.22,1,.36,1)}
.trust-card::before{content:"";position:absolute;inset:0 0 auto;height:4px;background:linear-gradient(90deg,var(--forest),var(--teal))}
.trust-card--tint{background:var(--trust-tint);border-color:var(--trust-tint-line)}
@media(hover:hover){.trust-card:hover{border-color:color-mix(in srgb,var(--teal) 45%,var(--line));box-shadow:0 18px 30px -28px rgb(15 92 69/.55);transform:translateY(-2px)}}

.trust-card__head{display:grid;grid-template-columns:auto minmax(0,1fr);gap:22px;align-items:start}
.trust-card__text{min-width:0}
.trust-card__body{display:flex;flex-direction:column;gap:16px;flex:1;padding-top:20px;border-top:1px solid var(--trust-card-line)}
/* Head and body are two shared rows (subgrid), so the divider sits at the same height in every card of a row. */
@supports (grid-template-rows:subgrid){
  .trust-card:not(.trust-support){display:grid;grid-row:span 2;grid-template-rows:subgrid;row-gap:0}
  .trust-card:not(.trust-support) .trust-card__head{align-content:start;padding-bottom:24px}
}
.trust-icon{display:grid;place-items:center;width:84px;height:84px;border-radius:20px;background:linear-gradient(145deg,#eaf7f4,#d2eae4);box-shadow:inset 0 0 0 1px rgb(12 79 62/.1);color:#0c4f3e}
.trust-card:not(.trust-card--tint) .trust-icon{width:76px;height:76px}
.trust-svg{width:66px;height:66px}
.trust-card:not(.trust-card--tint) .trust-svg{width:62px;height:62px}

.trust-label{margin:2px 0 8px;font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#0b6a5e}
.trust-card h3{margin:0;font-size:clamp(22px,2.1vw,29px);line-height:1.2;font-weight:700;letter-spacing:-.02em;color:var(--navy);text-wrap:balance}
.trust-meta{margin:10px 0 0;font-size:17px;line-height:1.55;color:var(--trust-ink)}
.trust-note{margin:10px 0 0;font-size:16px;line-height:1.6;color:var(--trust-ink)}
.trust-card__body>.trust-note{display:flex;align-items:center;gap:12px;margin:0;padding:12px 16px;background:#eef7f5;border-radius:12px;font-weight:500;color:var(--navy)}
.trust-card__body>.trust-note::before{content:"";flex:none;width:22px;height:22px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230c4f3e' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='9.5'/%3E%3Cpath d='m7.8 12.3 2.8 2.8 5.6-6'/%3E%3C/svg%3E") center/contain no-repeat}
.trust-nowrap{white-space:nowrap}
.trust-dot{margin-inline:.45em;color:#6b7885}
.trust-fact{margin:0;padding-top:18px;border-top:1px solid var(--trust-tint-line);font-size:16px;font-weight:600;color:var(--navy)}

.trust-chips{display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;list-style:none}
.trust-chips li{display:inline-flex;align-items:center;padding:8px 11px;background:#eef7f5;border:1px solid var(--trust-tint-line);border-radius:999px;font-size:15px;font-weight:600;color:var(--navy)}

/* Pending / awaiting: neutral container, never confirmed-looking, never error-coloured. */
.trust-status{display:flex;align-items:center;gap:12px;margin:0;padding:13px 18px;background:var(--trust-status);border-radius:10px;font-size:16px;line-height:1.5;color:var(--trust-ink)}
.trust-status__icon{flex:none;color:#5b6772}
.trust-status strong{font-weight:700;letter-spacing:.01em;text-transform:uppercase;font-size:14px;color:#34414d}

.trust-action{margin-top:auto;padding-top:2px}
.trust-link{display:inline-flex;align-items:center;gap:10px;min-height:44px;padding:0 20px;border-radius:999px;background:#e4f3f0;font-size:17px;font-weight:600;color:var(--forest);text-decoration:none;transition:background-color .2s ease,color .2s ease}
.trust-link:hover{background:var(--forest);color:#fff}
.trust-card__body>.trust-action{margin-top:0}
.trust-arrow{width:20px;height:20px;transition:transform .2s ease}
.trust-link:hover .trust-arrow{transform:translateX(4px)}
/* Destination not built yet: stays a non-link (see render.cjs link()), but keeps the row's shape. */
/* launch.css sets .pending-link display via a long :not() chain; !important keeps this row on one line. */
.trust-proof .trust-action span.pending-link{display:inline-flex!important;align-items:center;gap:10px;min-height:44px;font-size:17px;color:var(--trust-ink)}

.trust-support{grid-column:1/-1;display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:24px 28px;padding:26px 32px}
.trust-support .trust-label{margin-bottom:6px}
.trust-support h3{font-size:clamp(22px,2vw,26px)}
.trust-support .trust-meta{margin-top:6px}
.trust-contact{display:flex;flex-wrap:wrap;align-items:center;margin:2px 0 0;font-size:17px;line-height:1.5}
.trust-contact a{display:inline-flex;align-items:center;min-height:36px;color:var(--forest);text-decoration:none;text-decoration-thickness:1px;text-underline-offset:4px;overflow-wrap:anywhere}
.trust-contact a:hover{text-decoration-thickness:2px}
.trust-support__actions{display:flex;align-items:center;gap:28px;padding-left:36px;border-left:1px solid var(--trust-tint-line)}
.trust-support__actions .trust-action{margin:0;padding:0;white-space:nowrap}
.trust-cta{flex:none;min-height:52px;gap:14px;white-space:nowrap;padding-inline:28px;font-size:16px}

@media(max-width:1099px){
  .trust-support{grid-template-columns:auto minmax(0,1fr)}
  .trust-support__actions{grid-column:1/-1;padding:20px 0 0;border-left:0;border-top:1px solid var(--trust-tint-line);justify-content:space-between;flex-wrap:wrap}
}
@media(max-width:899px){
  .trust-grid{grid-template-columns:1fr;gap:18px}
  .trust-proof{padding-block:64px 72px}
  .trust-card{padding:26px 24px 24px}
  .trust-support{padding:26px 24px}
}
@media(max-width:767px){
  .trust-grid{gap:16px}
  .trust-proof__header{margin-bottom:30px}
  .trust-card__head{grid-template-columns:1fr;gap:16px}
  .trust-icon,.trust-card:not(.trust-card--tint) .trust-icon{width:68px;height:68px}
  .trust-svg,.trust-card:not(.trust-card--tint) .trust-svg{width:50px;height:50px}
  .trust-meta{font-size:16px}
  .trust-support{grid-template-columns:1fr;gap:16px}
  .trust-support__actions{flex-direction:column;align-items:stretch;gap:6px;padding-top:18px}
  .trust-support__actions .trust-action{text-align:center}
  .trust-support__actions .trust-link{justify-content:center;width:100%}
  .trust-cta{width:100%}
  .trust-contact{flex-direction:column;align-items:flex-start;gap:0}
  .trust-contact .trust-dot{display:none}
}
@media(max-width:359px){
  .trust-card,.trust-support{padding-inline:18px}
  .trust-status{padding-inline:14px;align-items:flex-start}
  .trust-nowrap{white-space:normal}
}
@media(prefers-reduced-motion:reduce){.trust-card,.trust-arrow{transition:none}.trust-card:hover{transform:none}.trust-link:hover .trust-arrow{transform:none}}

/* ---------- Explore section ---------- */
/* Home: "Explore Rinncrest" (borrower and lender doors). Scoped to .explore; reuses --navy, --forest, --teal, --line, --muted. */
.explore{--explore-ink:#17283e;--explore-soft:#4d5f70;--explore-mint:#e1f1ec;--explore-glow:#43d1b4;padding:64px 0 72px;background:#fbfdfc}
.explore-header{padding-bottom:30px;margin-bottom:30px;border-bottom:1px solid var(--line)}
.explore-eyebrow{margin:0 0 18px;font-size:12px;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--forest)}
.explore h2{margin:0;color:var(--explore-ink);font-size:clamp(34px,4.1vw,54px);font-weight:700;line-height:1.08;letter-spacing:-.035em;text-wrap:balance}
.explore-lede{margin:12px 0 0;color:var(--explore-soft);font-size:clamp(18px,1.9vw,24px);line-height:1.4}

.explore-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:24px}
@media(min-width:1180px){.explore-grid{grid-template-columns:minmax(0,1fr) minmax(0,1.04fr)}}
.explore-card{position:relative;isolation:isolate;overflow:hidden;min-width:0;padding:34px 32px 30px;border-radius:16px;transition:transform .3s cubic-bezier(.22,1,.36,1),border-color .3s ease,box-shadow .3s ease}
.explore-card h3{margin:26px 0 0;font-size:clamp(25px,2vw,29px);font-weight:700;line-height:1.14;letter-spacing:-.03em}
.explore-copy{margin:16px 0 0;max-width:36ch;font-size:16.5px;line-height:1.65}
.explore-cta{margin:20px 0 0}
.explore-card-head{display:flex;align-items:center;gap:24px}
.explore-label{margin:0;font-size:12px;font-weight:700;letter-spacing:.28em;text-transform:uppercase}
.explore-badge{display:grid;place-items:center;flex:none;width:58px;height:58px;border-radius:12px}
.explore-badge .explore-icon{width:26px;height:26px}
.explore-icon{flex:none}
.explore-arrow{width:20px;height:20px;flex:none;transition:transform .22s ease}
a:hover>.explore-arrow{transform:translateX(4px)}

/* Borrower card */
.explore-borrow{display:grid;grid-template-columns:minmax(0,1fr) auto;column-gap:20px;background:#fff;border:1px solid #dde7e4;color:var(--explore-ink)}
.explore-borrow>*{grid-column:1}
.explore-borrow .explore-visual{grid-column:2;grid-row:1/5;align-self:center;margin:6px -14px 0 0}
.explore-borrow .explore-features{grid-column:1/-1}
.explore-borrow .explore-badge{background:var(--explore-mint);color:var(--forest)}
.explore-borrow .explore-label{color:var(--forest)}
.explore-borrow .explore-copy{color:var(--explore-soft)}
.explore-visual{width:clamp(160px,13.5vw,230px)}
.explore-phone-art{display:block;width:100%;height:auto;overflow:visible}
.explore-features{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin:34px 0 0;padding:26px 0 0;border-top:1px solid #dde7e4;list-style:none}
.explore-features li{display:flex;align-items:center;gap:11px;padding:2px 12px;font-size:13.5px;line-height:1.4;color:var(--explore-ink)}
.explore-features li:first-child{padding-left:0}
.explore-features li+li{border-left:1px solid #dde7e4}
.explore-features .explore-icon{width:26px;height:26px;color:var(--forest);stroke-width:1.5}

/* Lender card */
.explore-lend{padding-right:min(24%,190px);background:linear-gradient(145deg,#17283e 0%,#132338 100%);border:1px solid #1f3650;color:#fff}
.explore-lend .explore-badge{border:1px solid rgba(110,225,203,.55);color:var(--explore-glow)}
.explore-lend .explore-label{color:var(--explore-glow)}
.explore-lend .explore-copy{max-width:40ch;color:#c3d4dc}
.explore-circuit{position:absolute;z-index:-1;top:0;right:0;bottom:0;width:min(23%,190px);height:100%;pointer-events:none}
.explore-stages{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));margin:32px 0 0;padding:0;list-style:none}
.explore-stages li{position:relative;display:flex;flex-direction:column;align-items:center;gap:10px;font-size:13.5px;color:#e6eef2}
.explore-stages li+li:before{content:"";position:absolute;top:17px;right:50%;width:100%;height:1px;background:rgba(110,225,203,.7);z-index:0}
.explore-node{position:relative;z-index:1;display:grid;place-items:center;width:34px;height:34px;border:1.5px solid var(--explore-glow);border-radius:50%;background:#16293f;color:#fff;font-size:13px;font-weight:500;transition:background-color .25s ease,color .25s ease,box-shadow .25s ease}
.explore-stages li:hover .explore-node{background:var(--explore-glow);color:#0e2a30;box-shadow:0 0 0 5px rgba(67,209,180,.18)}
.explore-lend .explore-cta{margin-top:34px}
.explore-button{display:inline-flex;align-items:center;gap:14px;min-height:50px;padding:12px 28px;border-radius:7px;background:#1b7f64;color:#fff;font-size:16px;font-weight:600;transition:background-color .2s ease,transform .2s ease}
.explore-button:hover{background:#17725a;transform:translateY(-2px)}

.explore-link{display:inline-flex;align-items:center;gap:10px;min-height:44px;color:var(--forest);font-size:17px;font-weight:600;text-decoration:none;text-decoration-thickness:1px;text-underline-offset:6px}
.explore-link:hover{text-decoration-thickness:2px}
.explore-investor{margin:22px 0 0}
.explore .pending-link{color:var(--explore-soft)}
.explore-lend .pending-link{color:#b6c9e4}

@media(hover:hover){
  .explore-borrow:hover{transform:translateY(-3px);border-color:color-mix(in srgb,var(--teal) 45%,#dde7e4);box-shadow:0 22px 34px -30px rgba(15,92,69,.5)}
  .explore-lend:hover{transform:translateY(-3px);box-shadow:0 22px 38px -28px rgba(23,40,62,.8)}
}

/* Motion: the entrance only runs once the script has armed it, so content is never hidden without JS. */
.explore.is-armed .explore-header,.explore.is-armed .explore-card,.explore.is-armed .explore-investor{opacity:0;transform:translateY(18px)}
.explore.is-armed.is-in .explore-header,.explore.is-armed.is-in .explore-card,.explore.is-armed.is-in .explore-investor{opacity:1;transform:none;transition:opacity .7s ease,transform .8s cubic-bezier(.22,1,.36,1)}
.explore.is-armed.is-in .explore-borrow{transition-delay:.1s}
.explore.is-armed.is-in .explore-lend{transition-delay:.2s}
.explore.is-armed.is-in .explore-investor{transition-delay:.3s}
@keyframes explore-float{0%,100%{transform:translateY(0)}50%{transform:translateY(-5px)}}
@keyframes explore-flow{to{stroke-dashoffset:-186}}
@keyframes explore-pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.22);opacity:.7}}
.explore-phone{animation:explore-float 7s ease-in-out infinite}
.explore-track{opacity:.55}.explore-flow{stroke-dasharray:3 90;animation:explore-flow 8s linear infinite}
.explore-node-pulse{transform-box:fill-box;transform-origin:center;animation:explore-pulse 4.5s ease-in-out infinite}

@media(max-width:1179px){.explore-card h3{font-size:clamp(27px,3.2vw,34px)}.explore-visual{width:clamp(190px,24vw,250px)}.explore-lend{padding-right:min(20%,190px)}}
@media(max-width:767px){
  .explore{padding:44px 0 52px}
  .explore-header{padding-bottom:24px;margin-bottom:24px}
  .explore-card{padding:26px 22px 24px}
  .explore-card h3{margin-top:22px}
  .explore-borrow{grid-template-columns:minmax(0,1fr)}
  .explore-borrow .explore-visual{grid-column:1;grid-row:auto;justify-self:center;width:210px;margin:26px 0 0}
  .explore-features{grid-template-columns:1fr;gap:14px;margin-top:26px;padding-top:22px}
  .explore-features li,.explore-features li:first-child{padding:0}
  .explore-features li+li{border-left:0}
  .explore-lend{padding-right:22px}
  .explore-circuit{width:96px;opacity:.45;top:auto;height:52%}
  .explore-stages{grid-template-columns:1fr;gap:0;margin-top:26px}
  .explore-stages li{flex-direction:row;gap:16px;padding-bottom:14px;font-size:15px}
  .explore-stages li+li:before{top:-14px;right:auto;left:15px;width:2px;height:14px;background:#3fc9ae;opacity:.8}
  .explore-node{width:32px;height:32px}
  .explore-lend .explore-cta{margin-top:16px}
  .explore-button{width:100%;justify-content:center}
  .explore-investor{margin-top:14px}
}
@media(max-width:359px){.explore-card{padding-inline:18px}}
@media(prefers-reduced-motion:reduce){
  .explore.is-armed .explore-header,.explore.is-armed .explore-card,.explore.is-armed .explore-investor{opacity:1;transform:none}
  .explore-card,.explore-arrow,.explore-button,.explore-node{transition:none}
  .explore-phone,.explore-flow,.explore-node-pulse{animation:none}
}

/* ---------- Lender band ---------- */
/* Home: "For lenders" band. Scoped to .lb; the section keeps its .lender-band class and #for-lenders anchor. */
.lb{--lb-teal:#27e0c3;--lb-line:rgba(39,224,195,.3);--lb-soft:#c4d6e2;position:relative;overflow:hidden;isolation:isolate;background:radial-gradient(900px 520px at 85% 8%,rgba(39,224,195,.1),transparent 60%),linear-gradient(160deg,#061629 0%,#0a2540 55%,#071c33 100%);color:#fff;padding-block:clamp(64px,8vw,104px)}
.lb:before{content:"";position:absolute;inset:0;z-index:-2;background-image:linear-gradient(rgba(39,224,195,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(39,224,195,.045) 1px,transparent 1px);background-size:72px 72px;-webkit-mask-image:linear-gradient(180deg,#000 0%,transparent 80%);mask-image:linear-gradient(180deg,#000 0%,transparent 80%);pointer-events:none}
.lb-art{position:absolute;z-index:-1;top:0;right:0;width:min(54%,780px);height:auto;aspect-ratio:560/420;pointer-events:none}
.lb-eyebrow{display:flex;align-items:center;gap:20px;margin:0 0 22px;color:var(--lb-teal);font-size:13px;font-weight:700;letter-spacing:.24em;text-transform:uppercase}
.lb-intro-copy .lb-eyebrow:after{content:"";width:52px;height:2px;background:var(--lb-teal)}
.lb-h2-line{display:block}
.lb-intro{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);gap:72px;align-items:end}
.lb h2{margin:0;max-width:none;color:#fff;font-size:clamp(36px,5vw,72px);font-weight:700;line-height:1.03;letter-spacing:-.04em;text-wrap:balance}
.lb-lede{margin:28px 0 0;max-width:46ch;color:var(--lb-soft);font-size:clamp(18px,1.7vw,22px);line-height:1.55}
.lb-promise{padding:6px 0 6px 44px;border-left:1px solid var(--lb-line);align-self:center}
.lb-promise .lb-eyebrow:after{content:"";width:48px;height:2px;background:var(--lb-teal);display:block;position:absolute;margin-top:34px}
.lb-promise .lb-eyebrow{position:relative;margin-bottom:38px;font-size:12.5px}
.lb-promise-text{margin:0;color:#fff;font-size:clamp(20px,2vw,26px);font-weight:500;line-height:1.35;letter-spacing:-.01em}
.lb-promise-note{margin:16px 0 0;max-width:46ch;color:#9fb8c8;font-size:15px;line-height:1.65}

/* Lifecycle */
.lb-lifecycle{margin-top:clamp(40px,5vw,64px)}
.lb-stages{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:40px;margin:0;padding:0;list-style:none}
.lb-stage{position:relative;min-width:0}
.lb-card{position:relative;display:grid;align-content:start;width:100%;height:100%;padding:26px 22px 26px;border:1px solid var(--lb-line);border-radius:12px;background:rgba(7,27,48,.62);color:#fff;font:inherit;text-align:left;cursor:default;transition:transform .28s cubic-bezier(.22,1,.36,1),border-color .28s ease,background-color .28s ease,box-shadow .28s ease}
.lb-card:after{content:"";position:absolute;top:57px;left:calc(22px + 64px);right:0;height:1px;background:var(--lb-line);transition:background-color .3s ease,box-shadow .3s ease}
.lb-stage:last-child .lb-card:after{display:none}
.lb-ring{display:grid;place-items:center;width:64px;height:64px;border:2px solid var(--lb-teal);border-radius:50%;background:rgba(7,27,48,.9);color:var(--lb-teal);transition:transform .3s cubic-bezier(.22,1,.36,1),box-shadow .3s ease,background-color .3s ease,color .3s ease}
.lb-icon{width:30px;height:30px}
.lb-n{margin-top:22px;color:var(--lb-teal);font-size:14px;font-weight:700;letter-spacing:.12em}
.lb-name{display:block;margin-top:8px;font-size:clamp(21px,1.9vw,26px);font-weight:700;letter-spacing:-.02em}
.lb-name:after{content:"";display:block;width:32px;height:2px;margin-top:12px;background:var(--lb-teal);transition:width .3s cubic-bezier(.22,1,.36,1)}
.lb-brief{display:block;margin-top:14px;color:var(--lb-soft);font-size:clamp(15px,1.2vw,17px);line-height:1.5}
.lb-link{position:absolute;z-index:2;top:57px;left:100%;display:block;width:40px;height:0;pointer-events:none}
.lb-link:before{content:"";position:absolute;left:0;right:0;top:0;height:1px;background:var(--lb-line);transition:background-color .3s ease}
.lb-arrow{position:absolute;top:-15px;left:5px;display:grid;place-items:center;width:30px;height:30px;border:1.5px solid var(--lb-teal);border-radius:50%;background:#0a2037;color:var(--lb-teal);transition:background-color .3s ease,color .3s ease,box-shadow .3s ease}

/* Interactive state (enabled by lender-band.js) */
.lb-ready .lb-card{cursor:pointer}
.lb-ready .lb-card:hover,.lb-stage.is-active .lb-card{border-color:var(--lb-teal);background:rgba(10,38,64,.9)}
.lb-stage.is-active .lb-card{transform:translateY(-4px);box-shadow:0 22px 38px -28px rgba(39,224,195,.55),inset 0 0 0 1px rgba(39,224,195,.25)}
.lb-stage.is-active .lb-ring{background:var(--lb-teal);color:#06222a;box-shadow:0 0 0 6px rgba(39,224,195,.14)}
.lb-stage.is-active .lb-name:after{width:56px}
.lb-stage.is-active .lb-card:after,.lb-stage.is-passed .lb-card:after,.lb-stage.is-passed .lb-link:before{background:var(--lb-teal);box-shadow:0 0 10px rgba(39,224,195,.5)}
.lb-stage.is-passed .lb-arrow,.lb-stage.is-active .lb-arrow{background:var(--lb-teal);color:#06222a}
.lb-stage.is-active .lb-link:before{background:linear-gradient(90deg,var(--lb-teal),var(--lb-line))}
.lb-card:focus-visible{outline:3px solid #fff;outline-offset:4px}
.lb-card:active{transform:translateY(-1px)}

.lb-panel{margin-top:22px}
.lb-detail{padding:24px 30px;border:1px solid var(--lb-line);border-left:3px solid var(--lb-teal);border-radius:12px;background:rgba(255,255,255,.035)}
.lb-detail+.lb-detail{margin-top:12px}
.lb-ready .lb-detail:not([hidden]){animation:lb-in .32s cubic-bezier(.22,1,.36,1) both}
.lb-detail:focus-visible{outline:3px solid #fff;outline-offset:3px}
.lb-detail-kicker{margin:0 0 10px;color:var(--lb-teal);font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
.lb-detail-kicker span{margin-right:6px}
.lb-detail-text{margin:0;max-width:78ch;color:#e8f1f6;font-size:clamp(18px,1.6vw,21px);line-height:1.55}

/* Problem + status */
.lb-problem{margin-top:34px;border-top:1px solid rgba(255,255,255,.16)}
.lb-problem summary{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:60px;padding:14px 0;color:#e2edf3;font-size:clamp(16px,1.4vw,18px);line-height:1.5;cursor:pointer;list-style:none}
.lb-problem summary::-webkit-details-marker{display:none}
.lb-problem-cue{display:inline-flex;align-items:center;gap:10px;flex:none;color:var(--lb-teal);font-size:14px;font-weight:700;white-space:nowrap}
.lb-problem-cue:after{content:"+";display:grid;place-items:center;width:26px;height:26px;border:1.5px solid var(--lb-teal);border-radius:50%;font-size:17px;line-height:1;transition:transform .25s ease}
.lb-problem[open] .lb-problem-cue:after{transform:rotate(45deg)}
.lb-problem summary:focus-visible{outline:3px solid #fff;outline-offset:2px;border-radius:4px}
.lb-problem-body{padding:0 0 18px}
.lb-problem-body p{margin:0;max-width:88ch;color:var(--lb-soft);font-size:16px;line-height:1.7}
.lb-status{display:flex;align-items:flex-start;gap:16px;padding:18px 0;border-top:1px solid rgba(255,255,255,.16);color:#e2edf3}
.lb-status-icon{display:grid;flex:none;place-items:center;color:#c4d6e2}
.lb-status p{margin:2px 0 0;max-width:92ch;color:var(--lb-soft);font-size:16px;line-height:1.65}
.lb-status strong{color:#fff}
.lb .pending-fact{margin-top:8px;background:rgba(255,255,255,.08);color:#c9dae5}
.lb-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px 34px;margin-top:14px}
.lb .lb-cta{display:inline-flex;align-items:center;gap:18px;min-height:58px;padding:16px 32px;border-radius:8px;background:var(--lb-teal);color:#062029;font-size:19px;font-weight:700;text-decoration:none;transition:transform .22s ease,background-color .22s ease,box-shadow .22s ease}
.lb .lb-cta:hover{transform:translateY(-2px);background:#4cf0d6;box-shadow:0 16px 28px -16px rgba(39,224,195,.7)}
.lb .lb-cta svg{transition:transform .22s ease}
.lb .lb-cta:hover svg{transform:translateX(4px)}
.lb .lb-secondary{display:inline-flex;align-items:center;min-height:48px;color:var(--lb-teal);font-size:18px;font-weight:600;text-decoration:none;text-underline-offset:6px;text-decoration-thickness:1px}
.lb .lb-secondary:hover{text-decoration-thickness:2px}
.lb a:focus-visible{outline:3px solid #fff;outline-offset:4px;border-radius:4px}
.lb .pending-link{color:#b6c9e4}

/* Decorative motion + entrance */
.lb-orbit{animation:lb-drift 26s linear infinite}
.lb-node{transform-box:fill-box;transform-origin:center;animation:lb-pulse 5s ease-in-out infinite}
.lb-node:nth-of-type(2){animation-delay:-1.6s}.lb-node:nth-of-type(3){animation-delay:-3.2s}
@keyframes lb-drift{to{stroke-dashoffset:-90}}
@keyframes lb-pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.7);opacity:.45}}
@keyframes lb-in{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.lb-armed .lb-intro,.lb-armed .lb-stage,.lb-armed .lb-panel,.lb-armed .lb-problem,.lb-armed .lb-status,.lb-armed .lb-actions{opacity:0;transform:translateY(16px)}
.lb-armed.lb-in .lb-intro,.lb-armed.lb-in .lb-stage,.lb-armed.lb-in .lb-panel,.lb-armed.lb-in .lb-problem,.lb-armed.lb-in .lb-status,.lb-armed.lb-in .lb-actions{opacity:1;transform:none;transition:opacity .7s ease var(--d,0s),transform .8s cubic-bezier(.22,1,.36,1) var(--d,0s)}

/* Tablet: stage row scrolls, connectors keep the progression */
@media(max-width:1099px){
  .lb-intro{grid-template-columns:1fr;gap:40px}
  .lb-promise{padding:28px 0 0;border-left:0;border-top:1px solid var(--lb-line)}
  .lb-stages{display:flex;gap:40px;overflow-x:auto;padding:8px 4px 18px;margin-inline:-4px;scroll-snap-type:x mandatory;scrollbar-width:thin;scrollbar-color:rgba(39,224,195,.5) transparent}
  .lb-stage{flex:0 0 min(240px,68vw);scroll-snap-align:start}
  .lb-stage:last-child{margin-right:4px}
  .lb-art{width:80%;opacity:.6}
}
@media(max-width:767px){
  .lb-card{padding:22px 20px}
  .lb-detail{padding:20px 22px}
  .lb-problem summary{align-items:flex-start;flex-direction:column;gap:10px}
  .lb-actions{flex-direction:column;align-items:stretch}
  .lb .lb-cta{justify-content:space-between}
  .lb .lb-secondary{justify-content:center}
}
@media(prefers-reduced-motion:reduce){
  .lb-orbit,.lb-node{animation:none}
  .lb-ready .lb-detail:not([hidden]){animation:none}
  .lb-card,.lb-ring,.lb-name:after,.lb .lb-cta,.lb .lb-cta svg,.lb-problem-cue:after{transition:none}
  .lb-stage.is-active .lb-card{transform:none}
  .lb-armed .lb-intro,.lb-armed .lb-stage,.lb-armed .lb-panel,.lb-armed .lb-problem,.lb-armed .lb-status,.lb-armed .lb-actions{opacity:1;transform:none}
  .lb-stages{scroll-behavior:auto}
}

/* ---------- Why Rinn ---------- */
/* Home page "Rinn: a personal loan for the moments that can't wait" (#why-rinn).
   Scoped to this section so the shared .terms-grid / .home-actions rules elsewhere are untouched. */
#why-rinn .why-head{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:clamp(32px,6vw,88px);align-items:end}
#why-rinn .why-head .section-title{max-width:20ch}
#why-rinn .why-intro{position:relative;margin:0;padding-top:20px;max-width:46ch;font-size:18px;line-height:1.65;color:var(--muted)}
#why-rinn .why-intro::before{content:"";position:absolute;top:0;left:0;width:40px;height:3px;border-radius:2px;background:var(--teal)}

/* The three facts read as one panel: shared border, hairline dividers, values as the focal point. */
#why-rinn .terms-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(2,minmax(0,1fr));gap:0;margin:48px 0 0;border:1px solid var(--line);border-radius:15px;background:#fff}
#why-rinn .term-cell{display:flex;flex-direction:column;min-width:0;padding:30px 32px 32px}
#why-rinn .term-cell+.term-cell{border-left:1px solid var(--line)}
#why-rinn .term-cell dt{display:flex;align-items:center;gap:12px;margin:0;font-size:15px;font-weight:700;line-height:1.4;color:var(--navy)}
#why-rinn .term-icon{display:block;width:34px;height:34px;flex:none;padding:7px;border:1px solid #bad3c9;border-radius:50%;background:var(--mist);fill:none;stroke:var(--forest);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
#why-rinn .term-value{margin:26px 0 0;font-family:'IBM Plex Mono',monospace;font-size:clamp(24px,2.9vw,40px);font-variant-numeric:tabular-nums;letter-spacing:-.04em;line-height:1.15;color:var(--navy);white-space:nowrap}
#why-rinn .term-unit{font-family:'DM Sans','Helvetica Neue',Arial,sans-serif;font-size:.45em;letter-spacing:0;color:var(--muted)}
#why-rinn .term-description{margin:14px 0 0;font-size:15px;line-height:1.6;color:var(--muted)}

/* Labelled plain-text facts under the panel (who can apply, income, cost, lender). */
#why-rinn .why-facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 32px;margin:24px 0 0;padding:0;list-style:none}
#why-rinn .why-facts li{position:relative;padding-left:20px;font-size:15px;line-height:1.6;color:var(--muted)}
#why-rinn .why-facts li::before{content:"";position:absolute;left:0;top:.6em;width:8px;height:8px;border-radius:50%;background:var(--teal)}
#why-rinn .why-facts strong{color:var(--navy);font-weight:700}

/* Key Fact Statement: an intentional transparency note, not a footnote. */
#why-rinn .why-kfs{display:flex;align-items:flex-start;gap:16px;margin-top:20px;padding:22px 26px;background:var(--mist);border:1px solid var(--line);border-radius:15px}
#why-rinn .why-kfs__icon{width:40px;height:40px;flex:none;padding:9px;border-radius:50%;background:var(--forest);color:#fff;stroke:currentColor;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
#why-rinn .why-kfs p{margin:0;font-size:16px;line-height:1.65;color:var(--navy)}
#why-rinn .why-kfs p+p{margin-top:4px;color:var(--muted)}
#why-rinn .why-kfs strong{font-weight:700}

#why-rinn .why-actions{gap:12px 28px;margin-top:32px}
#why-rinn .why-actions .button{min-height:56px;padding-inline:28px;font-size:17px}
#why-rinn .why-actions .text-link{font-size:16px;font-weight:600}

@media(max-width:1023px){
  #why-rinn .why-head{grid-template-columns:minmax(0,1fr);gap:20px;align-items:start}
  #why-rinn .why-head .section-title{max-width:22ch}
  #why-rinn .terms-grid{grid-template-columns:minmax(0,1fr);margin-top:36px}
  #why-rinn .term-cell{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;column-gap:24px;row-gap:6px;padding:24px 28px}
  #why-rinn .term-cell+.term-cell{border-left:0;border-top:1px solid var(--line)}
  #why-rinn .term-cell dt{grid-column:1}
  #why-rinn .term-value{grid-column:2;grid-row:1/3;margin:0;font-size:clamp(24px,5vw,34px)}
  #why-rinn .term-description{grid-column:1;margin:0}
}
@media(max-width:639px){
  #why-rinn .term-cell{display:flex;align-items:flex-start;padding:22px 22px 24px}
  #why-rinn .term-value{margin-top:18px;font-size:clamp(24px,7.6vw,32px)}
  #why-rinn .term-description{margin-top:10px}
  #why-rinn .why-kfs{padding:20px 20px}
  #why-rinn .why-facts{grid-template-columns:minmax(0,1fr)}
  #why-rinn .why-actions{flex-direction:column;align-items:stretch;gap:18px;text-align:center}
}