/* ==========================================================================
   HY Credit Offers — July 2026 landing page
   Design tokens per design_handoff_july_offers_landing/README.md
   ========================================================================== */

:root {
  --navy: #13294B;
  --navy-hover: #1D3A66;
  --orange: #FF5A1F;
  --orange-dark: #E8380F;
  --page-bg: #ECE9E0;
  --white: #FFFFFF;
  --cream: #F8F3EA;
  --border: #E7E2D6;
  --border-bottom: #D9D3C5;
  --hairline-1: #EFECE3;
  --hairline-2: #F0EEE7;
  --hairline-3: #F5F4EF;
  --hairline-4: #E7E4DA;
  --hairline-5: #EAE7DE;
  --text-body: #3B4150;
  --text-muted-1: #5C6472;
  --text-muted-2: #7A8494;
  --text-muted-3: #8B8F98;
  --text-muted-4: #9AA1AD;
  --teal: #0E7A6B;
  --teal-bg: #E7F2F1;
  --teal-bg-2: #F0F9F6;
  --teal-border: #D8EEE9;
  --teal-border-hover: #B9E0D2;
  --brown: #9C6B3F;
  --gold-text: #8A6A1C;
  --gold-accent: #EBC55C;
  --gold-border: #EEDCA8;
  --gold-border-bottom: #E3CC8B;
  --chip-neutral-bg: #F0EEE7;
  --cat-tint: #F0EEE7;
  --cat-border: #E4E1D6;
  --wiz-option-bg: #FBFAF7;
  --wiz-option-border: #EFECE3;
  --wiz-option-hover-bg: #FFF6F2;
  --wiz-option-active-bg: #FFEBE3;

  --font-heading: 'Sora', Arial, sans-serif;
  --font-body: 'IBM Plex Sans', Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  padding: 0;
  background: var(--page-bg);
  font-family: var(--font-body);
  -webkit-font-smoothing: antialiased;
}

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

@keyframes hyReveal {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: none; }
}
@keyframes hyTrayIn {
  from { opacity: 0; transform: translate(-50%, 18px); }
  to { opacity: 1; transform: translate(-50%, 0); }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
}

/* ---------- page shell ---------- */

.hy-page {
  width: 100%;
  container-type: inline-size;
  background: var(--page-bg);
  padding: clamp(14px, 4cqw, 44px) clamp(8px, 2.5cqw, 24px);
  font-family: var(--font-body);
}

.hy-container {
  max-width: 660px;
  width: 100%;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: clamp(16px, 3cqw, 24px);
}

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

.hy-masthead {
  background: var(--white);
  border-radius: 24px;
  padding: clamp(18px, 4.5cqw, 28px) clamp(18px, 5cqw, 32px);
  box-shadow: 0 6px 20px rgba(19, 41, 75, 0.08);
}

.hy-masthead-row1 {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
}

.hy-logo { height: clamp(32px, 7cqw, 44px); width: auto; display: block; }

.hy-date-pill {
  background: var(--navy);
  color: var(--white);
  font-size: clamp(11px, 2.4cqw, 12.5px);
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 8px 15px;
  border-radius: 999px;
  white-space: nowrap;
}

.hy-masthead-row2 {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 15px;
  padding-top: 15px;
  border-top: 1px solid var(--hairline-2);
}

.hy-contact-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  text-decoration: none;
  font-size: clamp(11.5px, 2.5cqw, 13px);
  font-weight: 700;
  padding: 10px 15px;
  border-radius: 999px;
  white-space: nowrap;
}
.hy-contact-pill--phone { background: var(--orange); color: var(--white); }
.hy-contact-pill--light { background: #F4F3EE; color: var(--navy); border: 1px solid var(--hairline-4); }

/* ---------- sticky jump nav ---------- */

.hy-nav {
  position: sticky;
  top: 10px;
  z-index: 60;
  display: flex;
  justify-content: center;
}

.hy-nav-inner {
  display: flex;
  gap: 3px;
  background: rgba(255, 255, 255, 0.97);
  border: 1px solid var(--hairline-4);
  border-radius: 999px;
  padding: 5px;
  box-shadow: 0 12px 32px rgba(19, 41, 75, 0.18);
  max-width: 100%;
  flex-wrap: nowrap;
  overflow-x: auto;
  justify-content: center;
}

.hy-nav-link {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-decoration: none;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  padding: 11px 13px 13px;
  border-radius: 999px;
  white-space: nowrap;
}
.hy-nav-link:hover { background: #F4F3EE; color: var(--navy); }
.hy-nav-underline {
  position: absolute;
  bottom: 4px;
  width: 14px;
  height: 3px;
  border-radius: 2px;
  background: var(--orange);
  opacity: 0;
}
.hy-nav-link.is-active .hy-nav-underline { opacity: 1; }

/* ---------- hero ---------- */

.hy-hero {
  background: var(--navy);
  border-radius: 20px;
  padding: clamp(32px, 6.5cqw, 52px) clamp(24px, 5.5cqw, 48px);
  box-shadow: 0 10px 32px rgba(19, 41, 75, 0.22);
}

.hy-hero-bar { width: 56px; height: 4px; background: var(--orange); border-radius: 2px; }

.hy-hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-top: 20px;
  color: #FF9466;
  font-size: clamp(10.5px, 2.4cqw, 12px);
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.hy-hero h1 {
  margin: 14px 0 0;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(28px, 7cqw, 46px);
  line-height: 1.05;
  color: var(--white);
  letter-spacing: -0.8px;
  max-width: 520px;
}

.hy-hero p {
  margin: 18px 0 0;
  max-width: 480px;
  font-size: clamp(14px, 3.1cqw, 16px);
  line-height: 1.65;
  color: #B9C4D8;
}
.hy-hero p strong { color: var(--white); }

/* ---------- card finder wizard ---------- */

.hy-wizard {
  background: var(--white);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 8px 28px rgba(19, 41, 75, 0.10);
  scroll-margin-top: 72px;
}

.hy-wizard-topbar { height: 6px; background: linear-gradient(90deg, var(--orange), var(--orange-dark)); }

.hy-wizard-body { padding: clamp(22px, 5cqw, 32px) clamp(20px, 5cqw, 32px); }

.hy-wizard-eyebrow {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--orange);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.6px;
  text-transform: uppercase;
}

.hy-wizard-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(20px, 4.6cqw, 26px);
  color: var(--navy);
  margin-top: 10px;
  letter-spacing: -0.3px;
  line-height: 1.15;
}

.hy-wizard-subtitle {
  font-size: 14px;
  color: var(--text-muted-1);
  margin-top: 7px;
  line-height: 1.55;
  max-width: 440px;
}

.hy-wiz-step-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.6px;
  color: var(--text-muted-4);
  text-transform: uppercase;
  margin: 20px 0 12px;
}

.hy-wiz-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }

.hy-wiz-option {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
  text-align: left;
  cursor: pointer;
  background: var(--wiz-option-bg);
  border: 1.5px solid var(--wiz-option-border);
  border-radius: 16px;
  padding: 16px 15px;
  font-family: inherit;
  min-height: 98px;
  transition: border-color .15s, background .15s, transform .15s;
}
.hy-wiz-option:hover { border-color: var(--orange); background: var(--wiz-option-hover-bg); transform: translateY(-2px); }
.hy-wiz-option:active { border-color: var(--orange); background: var(--wiz-option-active-bg); transform: scale(0.97); }
.hy-wiz-option svg { stroke: var(--orange); }
.hy-wiz-option-label { font-family: var(--font-heading); font-weight: 700; font-size: 14.5px; color: var(--navy); }
.hy-wiz-option-desc { font-size: 11.5px; color: var(--text-muted-2); line-height: 1.4; }

.hy-wiz-back {
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text-muted-2);
  padding: 12px 14px;
  margin: 12px -14px 0;
  border-radius: 10px;
  min-height: 44px;
}
.hy-wiz-back:hover { background: #F4F3EE; }

.hy-wiz-result-label { font-size: 11px; font-weight: 700; letter-spacing: 0.6px; color: var(--text-muted-4); text-transform: uppercase; margin: 20px 0 12px; }

.hy-wiz-result-card {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
  background: var(--wiz-option-bg);
  border: 1.5px solid var(--wiz-option-border);
  border-radius: 18px;
  padding: 16px;
}
.hy-wiz-result-img { width: 92px; height: auto; transform: rotate(-6deg); filter: drop-shadow(0 10px 18px rgba(19, 41, 75, 0.30)); border-radius: 8px; flex-shrink: 0; }
.hy-wiz-result-info { flex: 1 1 190px; min-width: 0; }
.hy-wiz-result-name { font-family: var(--font-heading); font-weight: 700; font-size: 17px; color: var(--navy); line-height: 1.2; }
.hy-wiz-result-issuer { font-size: 12px; color: var(--text-muted-2); margin-top: 2px; }
.hy-wiz-result-bonus { font-family: var(--font-heading); font-weight: 800; font-size: 19px; color: var(--navy); margin-top: 7px; }
.hy-wiz-result-fee { font-size: 12px; color: var(--text-muted-3); font-weight: 600; margin-top: 2px; }

.hy-wiz-take {
  display: flex;
  gap: 11px;
  margin-top: 14px;
  background: linear-gradient(135deg, #FFF4EF, #FDEAE2);
  border: 1px solid #F5CDBC;
  border-radius: 14px;
  padding: 14px 16px;
}
.hy-wiz-take-badge {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 0.5px;
}
.hy-wiz-take-text { font-size: 13.5px; line-height: 1.6; color: var(--text-body); }
.hy-wiz-take-text strong { color: var(--navy); }

.hy-wiz-footer-row { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.hy-wiz-secondary { font-size: 12.5px; color: var(--text-muted-2); }
.hy-wiz-secondary strong { color: var(--navy); }
.hy-wiz-reset {
  background: none; border: none; cursor: pointer; font-family: inherit;
  font-size: 12.5px; font-weight: 700; color: var(--text-muted-2);
  padding: 10px 12px; margin: -10px -12px; border-radius: 10px; min-height: 40px;
}
.hy-wiz-reset:hover { background: #F4F3EE; }

/* ---------- shared CTA / pill ---------- */

.hy-cta-orange {
  display: block;
  width: 100%;
  box-sizing: border-box;
  text-align: center;
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: var(--white);
  text-decoration: none;
  font-weight: 700;
  border-radius: 999px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 8px 18px rgba(255, 90, 31, 0.40);
  transition: box-shadow .15s;
}
.hy-cta-orange:hover { color: var(--white); box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 4px 10px rgba(255, 90, 31, 0.45); }
.hy-cta-orange--lg { font-size: 15px; padding: 15px 26px; }
.hy-cta-orange--md { font-size: 14px; padding: 14px 18px; box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 6px 14px rgba(255, 90, 31, 0.35); }
.hy-cta-orange--md:hover { box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 3px 8px rgba(255, 90, 31, 0.4); }
.hy-cta-orange--inline { display: inline-block; width: auto; }

/* ---------- PayRelief callout ---------- */

.hy-payrelief {
  background: linear-gradient(135deg, #103832 0%, #1B6E5A 60%, #229178 100%);
  border-radius: 24px;
  padding: clamp(24px, 5.5cqw, 36px) clamp(20px, 5.5cqw, 36px);
  display: flex;
  align-items: center;
  gap: clamp(18px, 4cqw, 28px);
  flex-wrap: wrap;
  box-shadow: 0 10px 32px rgba(16, 56, 50, 0.28);
  position: relative;
  overflow: hidden;
}
.hy-payrelief-img {
  width: clamp(88px, 17cqw, 116px);
  height: auto;
  border-radius: 50%;
  flex-shrink: 0;
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.30);
  border: 3px solid rgba(255, 255, 255, 0.5);
}
.hy-payrelief-content { flex: 1 1 280px; position: relative; }
.hy-payrelief-pill {
  display: inline-block;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: var(--white);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  padding: 7px 14px;
  border-radius: 999px;
}
.hy-payrelief-headline {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(21px, 5cqw, 28px);
  color: var(--white);
  margin-top: 12px;
  line-height: 1.2;
  letter-spacing: -0.3px;
}
.hy-payrelief-body { margin: 12px 0 0; font-size: 14px; line-height: 1.7; color: #DCEFE9; max-width: 460px; }
.hy-payrelief-cta {
  display: inline-block;
  margin-top: 18px;
  font-size: 14.5px;
  padding: 14px 28px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 10px 24px rgba(0, 0, 0, 0.30);
  width: auto;
}
.hy-payrelief-cta:hover { box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 5px 14px rgba(0, 0, 0, 0.35); }

/* ---------- card type filter bar ---------- */

.hy-filterbar {
  background: var(--white);
  border-radius: 20px;
  padding: clamp(14px, 3.5cqw, 18px) clamp(16px, 4.5cqw, 22px);
  box-shadow: 0 6px 20px rgba(19, 41, 75, 0.08);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: space-between;
}
.hy-filterbar-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: var(--text-muted-4);
  white-space: nowrap;
}
.hy-filterbar-pills { display: flex; gap: 8px; flex-wrap: wrap; }
.hy-filter-pill {
  cursor: pointer;
  font-family: inherit;
  font-size: 13.5px;
  font-weight: 700;
  padding: 11px 18px;
  border-radius: 999px;
  min-height: 44px;
  box-sizing: border-box;
  border: 1.5px solid var(--wiz-option-border);
  background: var(--wiz-option-bg);
  color: var(--navy);
  transition: border-color .15s, background .15s, transform .15s;
}
.hy-filter-pill:hover { transform: translateY(-1px); }
.hy-filter-pill span { opacity: 0.65; }
.hy-filter-pill.is-active { border-color: var(--navy); background: var(--navy); color: var(--white); }

/* ---------- section labels ---------- */

.hy-section-label {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 6px 4px -6px;
  scroll-margin-top: 72px;
}
.hy-section-label-text { font-size: 11.5px; font-weight: 800; letter-spacing: 1.6px; text-transform: uppercase; color: var(--navy); }

/* ---------- offer cards (featured + compact share these) ---------- */

.hy-card {
  border: 1px solid var(--border);
  border-bottom: 3px solid var(--border-bottom);
  overflow: hidden;
  scroll-margin-top: 20px;
  animation: hyReveal 0.6s ease both;
  animation-timeline: view();
  animation-range: entry 0% entry 40%;
}

.hy-card:nth-of-type(odd) { background: var(--white); }
.hy-card:nth-of-type(even) { background: var(--cream); }

.hy-card-accent-bar { background-size: cover; }

/* -- featured -- */
.hy-card--featured {
  border-radius: 24px;
  box-shadow: 0 2px 8px rgba(19, 41, 75, 0.06), 0 24px 48px -16px rgba(19, 41, 75, 0.24);
}
.hy-card--featured .hy-card-accent-bar { height: 5px; }
.hy-card--featured .hy-card-header {
  padding: clamp(18px, 4.5cqw, 28px) clamp(18px, 5cqw, 30px) 0;
  display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap;
}
.hy-card--featured .hy-card-rank {
  width: 44px; height: 44px; border-radius: 14px; color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 700; font-size: 17px;
  box-shadow: 0 6px 14px rgba(19, 41, 75, 0.35); flex-shrink: 0;
}
.hy-card--featured .hy-card-name { font-size: clamp(17px, 3.8cqw, 20px); }
.hy-card--featured .hy-card-issuer { font-size: 12.5px; margin-top: 2px; }
.hy-card--featured .hy-save-btn { width: 44px; height: 44px; }
.hy-card--featured .hy-save-btn svg { width: 17px; height: 17px; }
.hy-card--featured .hy-card-bonus-row {
  display: flex; flex-wrap: wrap; gap: clamp(14px, 3.5cqw, 24px);
  padding: clamp(16px, 4cqw, 22px) clamp(18px, 5cqw, 30px) 0; align-items: center;
}
.hy-card--featured .hy-card-img-wrap { flex: 0 1 200px; display: flex; align-items: center; justify-content: center; padding: 8px; }
.hy-card--featured .hy-card-img { width: 100%; max-width: 186px; height: auto; display: block; transform: rotate(-7deg); filter: drop-shadow(0 16px 24px rgba(19, 41, 75, 0.35)); border-radius: 10px; }
.hy-card--featured .hy-card-bonus-info { flex: 1 1 280px; }
.hy-card--featured .hy-card-bonus-headline { font-size: clamp(21px, 5cqw, 27px); margin-top: 5px; }
.hy-card--featured .hy-card-bonus-sub { font-size: 13.5px; color: var(--text-muted-1); margin-top: 5px; line-height: 1.55; }
.hy-card--featured .hy-card-perks { padding: 16px clamp(18px, 5cqw, 30px) 0; }
.hy-card--featured .hy-card-cta-block { padding: 16px clamp(18px, 5cqw, 30px) clamp(18px, 4.5cqw, 26px); margin-top: 14px; border-top: 1px solid var(--hairline-2); }
.hy-card--featured .hy-card-credits { padding: 18px clamp(18px, 5cqw, 30px) clamp(20px, 4.5cqw, 26px); border-top: 1px solid var(--hairline-2); }
.hy-card--featured .hy-card-about-box { margin: 0 clamp(18px, 5cqw, 30px) clamp(18px, 4.5cqw, 26px); }

/* -- compact -- */
.hy-card--compact {
  border-radius: 18px;
  box-shadow: 0 2px 6px rgba(19, 41, 75, 0.05), 0 14px 28px -12px rgba(19, 41, 75, 0.18);
}
.hy-card--compact .hy-card-accent-bar { height: 4px; }
.hy-card--compact .hy-card-body { padding: clamp(14px, 3.5cqw, 18px); }
.hy-card--compact .hy-card-header { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.hy-card--compact .hy-card-info { flex: 1 1 200px; min-width: 0; }
.hy-card--compact .hy-card-name { font-size: 15.5px; line-height: 1.25; }
.hy-card--compact .hy-card-issuer { font-size: 11.5px; margin-top: 1px; }
.hy-card--compact .hy-card-bonus-headline { font-size: 16.5px; margin-top: 6px; }
.hy-card--compact .hy-card-meta-line { font-size: 12px; color: var(--text-muted-3); font-weight: 600; margin-top: 2px; }
.hy-card--compact .hy-card-img { width: 74px; height: auto; flex-shrink: 0; transform: rotate(-6deg); filter: drop-shadow(0 8px 14px rgba(19, 41, 75, 0.28)); border-radius: 8px; }
.hy-card--compact .hy-save-btn { width: 44px; height: 44px; align-self: flex-start; }
.hy-card--compact .hy-save-btn svg { width: 15px; height: 15px; }
.hy-card--compact .hy-card-cta { margin-top: 14px; }
.hy-card--compact .hy-card-credits { margin-top: 12px; padding-top: 12px; border-top: 1px solid var(--hairline-5); }
.hy-card--compact .hy-card-bestfor { font-size: 11.5px; color: var(--text-muted-2); padding-top: 9px; margin-top: 3px; border-top: 1px dashed var(--hairline-5); }
.hy-card--compact .hy-card-about-box { margin-top: 10px; padding-top: 10px; border-top: 1px dashed var(--hairline-5); }

/* shared name/issuer base */
.hy-card-name { font-family: var(--font-heading); font-weight: 700; color: var(--navy); line-height: 1.2; }
.hy-card-issuer { color: var(--text-muted-2); font-weight: 500; }
.hy-card-titles-row { display: flex; align-items: center; gap: 14px; }

.hy-card-badge {
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: var(--white); font-size: 10.5px; font-weight: 700; letter-spacing: 0.8px;
  text-transform: uppercase; padding: 7px 13px; border-radius: 999px;
  box-shadow: 0 5px 12px rgba(255, 90, 31, 0.35); white-space: nowrap;
}
.hy-card-actions { display: flex; align-items: center; gap: 9px; }

.hy-save-btn {
  border-radius: 50%; border: 1.5px solid #EBE6DA; background: var(--white);
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  padding: 0; flex-shrink: 0; transition: transform .15s, border-color .15s;
}
.hy-save-btn:hover { transform: scale(1.12); border-color: #F5CDBC; }

.hy-offer-eyebrow { font-size: 10.5px; text-transform: uppercase; letter-spacing: 1.6px; color: var(--text-muted-4); font-weight: 700; }
.hy-card-bonus-headline { font-family: var(--font-heading); font-weight: 800; color: var(--navy); line-height: 1.2; letter-spacing: -0.3px; }

.hy-offer-chips { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; margin-top: 12px; }
.hy-chip { display: inline-flex; align-items: center; gap: 5px; font-size: 12.5px; font-weight: 700; padding: 7px 13px; border-radius: 999px; }
.hy-chip--value { background: var(--teal-bg); color: var(--teal); }
.hy-chip--fee { background: var(--chip-neutral-bg); color: var(--text-body); }

.hy-perk-row { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 8px; }
.hy-perk-check {
  width: 18px; height: 18px; border-radius: 6px; background: #FDEDE7; color: var(--orange);
  font-size: 11px; font-weight: 700; display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
}
.hy-perk-text { font-size: 13.5px; line-height: 1.6; color: var(--text-body); }

.hy-form-callout {
  margin: 14px clamp(18px, 5cqw, 30px) 0;
  background: linear-gradient(135deg, #FFF4EF, #FDEAE2);
  border: 1px solid #F5CDBC; border-radius: 16px; padding: 16px 18px;
}
.hy-form-callout-text { font-size: 13px; line-height: 1.55; color: #8A4227; }
.hy-form-callout-text strong { color: var(--navy); }
.hy-form-callout-text a, .hy-form-callout-cta-inline { color: var(--orange-dark); font-weight: 700; }
.hy-form-callout-cta {
  display: block; width: 100%; text-align: center; margin-top: 12px;
  background: var(--navy); color: var(--white); text-decoration: none;
  font-size: 13.5px; font-weight: 700; padding: 14px 18px; border-radius: 999px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.15), 0 6px 14px rgba(19, 41, 75, 0.25);
  transition: background .15s;
}
.hy-form-callout-cta:hover { background: var(--navy-hover); color: var(--white); }

.hy-protip {
  margin: 14px clamp(18px, 5cqw, 30px) 0;
  background: linear-gradient(135deg, #FFFDF4, #FFF6DF);
  border: 1px solid var(--gold-border); border-bottom: 3px solid var(--gold-border-bottom);
  border-radius: 16px; padding: 16px 18px;
}
.hy-protip-label { display: flex; align-items: center; gap: 7px; font-size: 10.5px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold-text); }
.hy-protip-text { font-size: 13px; line-height: 1.6; color: #5C5335; margin-top: 7px; }
.hy-protip-text a { color: var(--gold-text); font-weight: 700; text-decoration: none; white-space: nowrap; }

.hy-card-bestfor { font-size: 12.5px; color: var(--text-muted-1); line-height: 1.5; margin-bottom: 12px; }
.hy-card-bestfor strong { color: var(--navy); }

.hy-credits-label { font-size: 11px; font-weight: 800; letter-spacing: 1.8px; text-transform: uppercase; color: var(--navy); margin-bottom: 8px; }
.hy-card--compact .hy-credits-label { font-size: 10px; letter-spacing: 1.2px; margin-bottom: 4px; }

.hy-cat-row { display: flex; gap: 7px; flex-wrap: wrap; margin-bottom: 12px; }
.hy-card--compact .hy-cat-row { gap: 6px; margin-bottom: 10px; }
.hy-cat-chip {
  display: inline-flex; align-items: center; gap: 6px; cursor: pointer; font-family: inherit;
  font-size: 12px; font-weight: 700; padding: 7px 14px; border-radius: 999px; min-height: 44px;
  box-sizing: border-box; transition: all .15s; white-space: nowrap;
  border: 1.5px solid var(--cat-border); background: var(--cat-tint); color: var(--navy);
}
.hy-card--compact .hy-cat-chip { font-size: 10.5px; padding: 5px 11px; min-height: 44px; gap: 5px; }
.hy-cat-chip.is-active { border-color: var(--navy); background: var(--navy); color: var(--white); }
.hy-cat-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; background: var(--navy); }
.hy-card--compact .hy-cat-dot { width: 5px; height: 5px; }
.hy-cat-dot--travel { background: var(--teal); }
.hy-cat-dot--lifestyle { background: var(--orange); }
.hy-cat-dot--earning { background: var(--navy); }
.hy-cat-dot--business { background: var(--brown); }
.hy-cat-dot--protection { background: var(--gold-text); }
.hy-cat-chip.is-active .hy-cat-dot { background: var(--white); }

.hy-pro-row, .hy-con-row { display: flex; gap: 11px; align-items: flex-start; padding: 8px 0; border-bottom: 1px solid var(--hairline-3); }
.hy-card--compact .hy-pro-row, .hy-card--compact .hy-con-row { gap: 9px; padding: 5px 0; border-bottom: none; }
.hy-pro-marker { color: var(--teal); font-size: 16px; font-weight: 800; line-height: 1.4; flex-shrink: 0; width: 12px; }
.hy-con-marker { color: var(--brown); font-size: 16px; font-weight: 800; line-height: 1.4; flex-shrink: 0; width: 12px; }
.hy-card--compact .hy-pro-marker, .hy-card--compact .hy-con-marker { font-size: 14px; width: 11px; }
.hy-pro-text, .hy-con-text { font-size: 13px; line-height: 1.55; color: var(--text-body); }
.hy-card--compact .hy-pro-text, .hy-card--compact .hy-con-text { font-size: 12px; line-height: 1.5; }
.hy-pro-text a { color: var(--teal); font-weight: 700; text-decoration: none; white-space: nowrap; }

.hy-toggle-btn {
  display: flex; align-items: center; justify-content: center; gap: 7px; width: 100%;
  cursor: pointer; font-family: inherit; font-size: 13px; font-weight: 700;
  padding: 13px 16px; margin-top: 14px; border-radius: 12px; min-height: 44px; box-sizing: border-box;
  border: 1.5px solid var(--teal-border); background: var(--teal-bg-2); color: var(--teal);
  transition: background .15s, border-color .15s;
}
.hy-toggle-btn:hover { background: #E3F3EC; border-color: var(--teal-border-hover); }
.hy-card--compact .hy-toggle-btn { gap: 6px; font-size: 12px; padding: 12px 14px; margin-top: 11px; border-radius: 11px; }
.hy-toggle-chevron { transition: transform .2s; flex-shrink: 0; }
.hy-toggle-chevron.is-open { transform: rotate(180deg); }

.hy-about-box { padding: 16px 18px; background: var(--wiz-option-bg); border: 1px solid var(--wiz-option-border); border-radius: 14px; }
.hy-card--compact .hy-about-box { padding: 0; background: none; border: none; border-radius: 0; }
.hy-about-label { font-size: 10.5px; font-weight: 800; letter-spacing: 1.4px; text-transform: uppercase; color: var(--text-muted-4); margin-bottom: 6px; }
.hy-about-text { font-size: 13.5px; line-height: 1.65; color: var(--text-body); font-style: italic; }
.hy-card--compact .hy-about-text { font-size: 12.5px; line-height: 1.6; }
.hy-transfers { font-size: 11.5px; line-height: 1.5; color: var(--text-muted-3); margin-top: 10px; padding-top: 10px; border-top: 1px dashed var(--hairline-5); }
.hy-card--compact .hy-transfers { font-size: 11px; margin-top: 8px; padding-top: 0; border-top: none; }
.hy-transfers strong { color: var(--text-muted-2); font-style: normal; }

.hy-compact-wrap {
  background: var(--white);
  border-radius: 24px;
  padding: clamp(10px, 2.5cqw, 14px);
  box-shadow: 0 8px 28px rgba(19, 41, 75, 0.10);
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ---------- CardPointers-style tool callout (unused; kept as a hook) ---------- */

/* ---------- approval box ---------- */

.hy-approval { background: var(--white); border-radius: 24px; padding: clamp(20px, 4.5cqw, 28px) clamp(20px, 5cqw, 32px); box-shadow: 0 6px 20px rgba(19, 41, 75, 0.08); }
.hy-approval-title { display: flex; align-items: center; gap: 9px; font-family: var(--font-heading); font-weight: 800; font-size: clamp(16px, 3.6cqw, 19px); color: var(--navy); }
.hy-approval-list { display: flex; flex-direction: column; gap: 16px; margin-top: 16px; }
.hy-approval-row { display: flex; gap: 14px; align-items: flex-start; }
.hy-approval-num {
  width: 26px; height: 26px; border-radius: 8px; background: var(--hairline-2); color: var(--navy);
  font-family: var(--font-heading); font-weight: 700; font-size: 12.5px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px;
}
.hy-approval-rule-title { font-size: 14px; font-weight: 700; color: var(--navy); }
.hy-approval-body { font-size: 13px; line-height: 1.6; color: var(--text-muted-1); margin-top: 3px; }

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

.hy-closing { background: var(--white); border-radius: 24px; padding: clamp(20px, 4.5cqw, 28px) clamp(20px, 5cqw, 32px); box-shadow: 0 6px 20px rgba(19, 41, 75, 0.08); }
.hy-closing p { margin: 0; font-size: 13px; line-height: 1.7; color: var(--text-muted-1); }
.hy-closing p + p { margin-top: 14px; color: var(--navy); font-weight: 600; }
.hy-closing-signoff { color: var(--text-muted-2); font-weight: 500; }

/* ---------- contact panel ---------- */

.hy-contact-panel {
  background: linear-gradient(135deg, var(--navy), var(--navy-hover));
  border-radius: 20px;
  padding: clamp(28px, 6cqw, 40px) clamp(22px, 5.5cqw, 34px);
  text-align: center;
  box-shadow: 0 10px 32px rgba(19, 41, 75, 0.22);
  scroll-margin-top: 72px;
}
.hy-contact-headline { font-family: var(--font-heading); font-weight: 800; font-size: clamp(21px, 4.8cqw, 27px); color: var(--white); }
.hy-contact-body { margin: 10px auto 0; max-width: 420px; font-size: 14px; line-height: 1.65; color: #B9C4D8; }
.hy-contact-actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; margin-top: 24px; }
.hy-contact-pill2 {
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(255, 255, 255, 0.10); border: 1px solid rgba(255, 255, 255, 0.28);
  color: var(--white); text-decoration: none; font-size: 16px; font-weight: 700; padding: 14px 22px; border-radius: 999px;
  transition: background .15s;
}
.hy-contact-pill2:hover { background: rgba(255, 255, 255, 0.18); color: var(--white); }
.hy-contact-cta { display: block; width: 100%; max-width: 340px; margin: 22px auto 0; font-size: 16px; padding: 17px 24px; box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 10px 24px rgba(0, 0, 0, 0.30); }
.hy-contact-cta:hover { box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 5px 14px rgba(0, 0, 0, 0.35); }

/* ---------- footer ---------- */

.hy-footer { padding: 4px clamp(16px, 4cqw, 28px) 12px; }
.hy-footer-legal { margin: 0 0 12px; font-size: 11px; line-height: 1.7; color: var(--text-muted-3); }
.hy-footer-row { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.hy-footer-copy { display: flex; align-items: center; gap: 6px; font-size: 11px; color: var(--text-muted-3); }
.hy-footer-copy a { color: var(--text-muted-3); text-decoration: underline; }
.hy-footer-privacy { font-size: 11px; }
.hy-footer-privacy a { color: var(--text-muted-3); text-decoration: underline; }

/* ---------- shortlist tray ---------- */

.hy-tray {
  position: fixed;
  bottom: 16px;
  left: 50%;
  transform: translate(-50%, 0);
  z-index: 80;
  width: min(93%, 600px);
  animation: hyTrayIn 0.35s ease both;
}
.hy-tray-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  background: var(--navy); border-radius: 20px; padding: 12px 15px;
  box-shadow: 0 18px 44px rgba(19, 41, 75, 0.45); border: 1px solid rgba(255, 255, 255, 0.14);
}
.hy-tray-info { display: flex; align-items: center; gap: 9px; flex: 1 1 220px; min-width: 0; }
.hy-tray-text { font-size: 12.5px; color: #B9C4D8; line-height: 1.5; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.hy-tray-text strong { color: var(--white); }
.hy-tray-actions { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.hy-tray-email {
  background: linear-gradient(135deg, var(--orange), var(--orange-dark)); color: var(--white); text-decoration: none;
  font-size: 12.5px; font-weight: 700; padding: 10px 16px; border-radius: 999px; white-space: nowrap;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 6px 14px rgba(0, 0, 0, 0.3);
}
.hy-tray-email:hover { color: var(--white); box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 3px 8px rgba(0, 0, 0, 0.35); }
.hy-tray-clear {
  background: rgba(255, 255, 255, 0.12); border: none; color: #B9C4D8; width: 40px; height: 40px;
  border-radius: 50%; cursor: pointer; font-size: 14px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; padding: 0; flex-shrink: 0;
}
.hy-tray-clear:hover { background: rgba(255, 255, 255, 0.22); }

/* ---------- misc ---------- */

.hy-visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}