/* Always Yes — free tools (shared styles). Same tokens as /how-to-pay/. */
:root{--bg:#fff;--fg:#16161D;--muted:#55555F;--line:rgba(20,20,30,.1);--cobalt:#2F4BFF;--violet:#7C3AED;--soft:#F6F7FB;--card:#fff;
  --grad:linear-gradient(135deg,#2F4BFF 0%,#5B3FF5 55%,#7C3AED 100%);
  --ok:#17804A;--ok-bg:#E8F6EE;--warn:#9A6200;--warn-bg:#FFF5E0;--bad:#B42318;--bad-bg:#FDECEA;--info-bg:#EEF1FF;
  --sans:"Poppins",system-ui,-apple-system,"Segoe UI",sans-serif;--didone:"Bodoni Moda",Georgia,serif;--mono:ui-monospace,SFMono-Regular,Menlo,monospace;}
@media(prefers-color-scheme:dark){:root{--bg:#0C0C12;--fg:#F1F1F6;--muted:#A3A3B4;--line:rgba(255,255,255,.12);--soft:#14141C;--card:#12121A;
  --ok:#5BD08F;--ok-bg:rgba(91,208,143,.12);--warn:#FFCF5C;--warn-bg:rgba(255,207,92,.12);--bad:#FF8A80;--bad-bg:rgba(255,138,128,.12);--info-bg:rgba(47,75,255,.16);}}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--fg);font-family:var(--sans);line-height:1.65;overflow-x:hidden}
a{color:var(--cobalt)} b,strong{color:var(--fg);font-weight:600}
code{font-family:var(--mono);font-size:.9em;background:var(--soft);border:1px solid var(--line);border-radius:6px;padding:1px 6px}
.wrap{max-width:1040px;margin-inline:auto;padding-inline:20px}
.muted{color:var(--muted)} .small{font-size:13.5px}
[hidden]{display:none!important}
/* nav */
.top{border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-block:16px}
.brand svg{height:22px;display:block} .brand text{fill:var(--fg)} .brand .d{fill:var(--cobalt)}
.nav-r{display:flex;gap:18px;align-items:center}
.nav-r a{color:var(--muted);font-weight:600;font-size:14px;text-decoration:none} .nav-r a:hover{color:var(--cobalt)}
/* hero */
.hero{margin:28px auto 0;border-radius:26px;background:var(--grad);color:#fff;padding:40px 34px 34px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.18),transparent);pointer-events:none}
.eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;opacity:.88}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.08;letter-spacing:-.025em;margin:10px 0 12px;font-weight:800}
.hero p{font-size:17px;max-width:680px;margin:0;color:rgba(255,255,255,.93)}
.hero b{color:#fff}
.badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;border:1.5px solid rgba(255,255,255,.5);border-radius:99px;padding:5px 12px;background:rgba(255,255,255,.08);color:#fff}
/* sections */
section{padding-top:48px}
h2{font-size:clamp(23px,3.2vw,30px);letter-spacing:-.02em;line-height:1.2;margin:0 0 10px;font-weight:800}
h3{font-size:18px;letter-spacing:-.01em;margin:0 0 6px;font-weight:700}
.lead{font-size:16.5px;color:var(--muted);max-width:740px;margin:0 0 20px}
p{margin:0 0 12px}
/* tool panel */
.panel{border:1px solid var(--line);border-radius:22px;background:var(--soft);padding:22px;margin-top:22px}
.card{border:1px solid var(--line);border-radius:18px;background:var(--card);padding:20px}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}
label.f{display:block;font-weight:700;font-size:14px;margin:14px 0 6px}
label.f:first-child{margin-top:0}
.hint{font-size:13px;color:var(--muted);font-weight:400;margin-left:4px}
textarea,input[type=text],input[type=number],select{width:100%;font:500 15px/1.5 var(--sans);color:var(--fg);background:var(--card);border:1.5px solid var(--line);border-radius:14px;padding:12px 14px}
textarea{min-height:130px;resize:vertical}
textarea.mono{font-family:var(--mono);font-size:13.5px}
textarea:focus,input:focus,select:focus{outline:3px solid rgba(47,75,255,.3);border-color:var(--cobalt)}
.btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 15px var(--sans);border-radius:99px;padding:11px 20px;border:1.5px solid var(--cobalt);background:var(--cobalt);color:#fff;cursor:pointer;text-decoration:none}
.btn:hover{filter:brightness(1.08)}
.btn.ghost{background:transparent;color:var(--cobalt)}
.btn.sm{font-size:13.5px;padding:7px 14px}
.btn[disabled]{opacity:.45;cursor:not-allowed}
.btn svg{width:18px;height:18px}
.chk{display:flex;gap:10px;align-items:flex-start;padding:9px 12px;border:1.5px solid var(--line);border-radius:12px;background:var(--card);cursor:pointer;font-size:14.5px}
.chk input{margin-top:4px;accent-color:var(--cobalt);flex:none}
.chks{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:8px}
.pill{display:inline-block;font-size:12px;font-weight:700;border-radius:99px;padding:3px 10px;white-space:nowrap}
.p-ok{background:var(--ok-bg);color:var(--ok)}.p-warn{background:var(--warn-bg);color:var(--warn)}.p-bad{background:var(--bad-bg);color:var(--bad)}.p-info{background:var(--info-bg);color:var(--cobalt)}
.note{border-radius:14px;padding:12px 14px;font-size:14.5px;background:var(--info-bg);margin-top:14px}
.note.warn{background:var(--warn-bg)} .note.bad{background:var(--bad-bg)} .note.ok{background:var(--ok-bg)}
.result{margin-top:18px}
.out{white-space:pre-wrap;font:500 14.5px/1.6 var(--sans);background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;max-height:520px;overflow:auto}
.meter{height:12px;border-radius:99px;background:var(--line);overflow:hidden;margin:8px 0 4px}
.meter i{display:block;height:100%;border-radius:99px;background:var(--grad);transition:width .4s}
.big{font-size:34px;font-weight:800;letter-spacing:-.02em;line-height:1.1}
.list{margin:6px 0 0;padding-left:20px} .list li{margin-bottom:6px;font-size:15px;color:var(--muted)}
.steps-n{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:10px}
.steps-n>li{counter-increment:s;position:relative;padding-left:40px;font-size:15px;color:var(--muted)}
.steps-n>li:before{content:counter(s);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;background:var(--grad);color:#fff;font-weight:800;font-size:13px;display:grid;place-items:center}
.drop{border:2px dashed var(--line);border-radius:18px;padding:26px;text-align:center;background:var(--card);cursor:pointer}
.drop.on{border-color:var(--cobalt);background:var(--info-bg)}
.drop input{display:none}
mark{background:rgba(255,207,92,.45);color:inherit;border-radius:4px;padding:0 2px}
mark.hi{background:rgba(255,138,128,.45)} mark.mid{background:rgba(255,207,92,.5)} mark.lo{background:rgba(91,208,143,.35)}
.bars{display:grid;gap:6px;margin-top:8px}
.bar{display:grid;grid-template-columns:150px 1fr 50px;gap:10px;align-items:center;font-size:13.5px}
.bar .t{height:10px;border-radius:99px;background:var(--line);overflow:hidden} .bar .t i{display:block;height:100%;background:var(--grad)}
.kv{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.kv div{border:1px solid var(--line);border-radius:14px;padding:12px 14px;background:var(--card)}
.kv b{display:block;font-size:22px;font-weight:800} .kv span{font-size:12.5px;color:var(--muted)}
details.d{border:1px solid var(--line);border-radius:14px;padding:4px 16px;background:var(--card);margin-top:10px}
details.d>summary{cursor:pointer;font-weight:700;padding:10px 0}
/* AI handoff */
.ai{border:1.5px solid var(--line);border-radius:18px;padding:16px 18px;background:var(--card);margin-top:16px}
.ai-h{font-weight:700;font-size:15px;margin-bottom:4px}
.ai-btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.ai-btn{display:inline-flex;align-items:center;gap:8px;font:700 14.5px var(--sans);border-radius:12px;padding:10px 16px;border:1.5px solid var(--line);background:var(--bg);color:var(--fg);cursor:pointer}
.ai-btn:hover{border-color:var(--cobalt)}
.ai-btn .dot{width:10px;height:10px;border-radius:50%}
.ai-note{font-size:13px;color:var(--muted);margin-top:10px}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:#16161D;color:#fff;padding:11px 18px;border-radius:12px;font-size:14px;font-weight:600;z-index:99;box-shadow:0 10px 30px rgba(0,0,0,.3);max-width:calc(100% - 32px)}
/* cta + faq + footer */
.cta{margin-top:56px;border-radius:24px;background:var(--grad);color:#fff;padding:30px;display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between}
.cta h3{color:#fff;font-size:22px;margin:0} .cta p{color:rgba(255,255,255,.9);margin:4px 0 0}
.cta .btn{background:#fff;color:var(--cobalt);border-color:#fff}
.faq{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:16px;padding:12px 28px 12px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:8px;font-size:22px;color:var(--cobalt);font-weight:400}
.faq[open] summary:after{content:"–"}
.faq p{color:var(--muted);font-size:15px;padding-bottom:10px}
.more{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.more a{display:block;border:1px solid var(--line);border-radius:16px;padding:14px 16px;text-decoration:none;color:var(--fg);background:var(--card);transition:transform .18s,border-color .18s,box-shadow .18s,background .18s}
.more a:hover{transform:translateY(-4px);background:var(--grad);border-color:transparent;box-shadow:0 22px 48px -26px rgba(124,58,237,.6)}
.more a:hover,.more a:hover *{color:#fff!important}
.more a span{display:block;font-size:13px;color:var(--muted)}
@media(hover:none){.more a:hover{transform:none;background:var(--card);border-color:var(--line);box-shadow:none}.more a:hover *{color:inherit!important}}
footer{border-top:1px solid var(--line);margin-top:56px;padding-block:28px;color:var(--muted);font-size:13.5px}
.foot{display:flex;flex-wrap:wrap;gap:10px 16px;justify-content:space-between;align-items:center}
.foot-links{display:flex;flex-wrap:wrap;gap:12px;font-weight:600}
.foot-links a{color:var(--muted);text-decoration:none} .foot-links a:hover,.foot-links a[aria-current]{color:var(--cobalt)}
/* hub */
.group{margin-top:40px}
.tcards{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:14px;margin-top:14px}
.tcard{display:flex;flex-direction:column;gap:8px;border:1px solid var(--line);border-radius:20px;padding:20px;background:var(--card);text-decoration:none;color:var(--fg);transition:transform .18s,border-color .18s,box-shadow .18s}
.tcard:hover{transform:translateY(-5px);background:var(--grad);border-color:transparent;box-shadow:0 26px 58px -24px rgba(124,58,237,.6)}
.tcard:hover,.tcard:hover *{color:#fff!important}
.tcard:hover .ico{background:rgba(255,255,255,.22)}
@media(hover:none){.tcard:hover{transform:none;background:var(--card);border-color:var(--line);box-shadow:none}.tcard:hover *{color:inherit!important}.tcard:hover .ico{background:var(--grad)}}
.tcard .ico{width:44px;height:44px;border-radius:14px;background:var(--grad);display:grid;place-items:center;color:#fff}
.tcard .ico svg{width:22px;height:22px}
.tcard h3{margin:4px 0 0} .tcard p{margin:0;color:var(--muted);font-size:14.5px}
.tcard .go{margin-top:auto;font-weight:700;color:var(--cobalt);font-size:14px}
@media(max-width:600px){.hero{padding:30px 22px 26px;border-radius:20px}.panel{padding:16px}.bar{grid-template-columns:110px 1fr 40px}.nav-r{gap:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.tcard{transition:none}}