/* Payoff blog — matches the main site. Brand colours only: red, cream, ink, white (+ black stage). */
:root{
  color-scheme:dark;
  --red:#D52204; --red-deep:#9E1803; --cream:#FFD9A1; --ink:#241A15; --white:#fff; --black:#0B0806;
  --paper:#FFF3E0;               /* cream, lifted for long reading */
  --paper-2:#FFE7C2;             /* cream, for boxes on paper */
  --card:#15100C; --line:rgba(255,217,161,.16); --line-ink:rgba(36,26,21,.14);
  --muted:rgba(255,217,161,.72); --ink-2:#5A4A40;
  --display:"Unbounded","Helvetica Neue",Arial,sans-serif;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --body:"Manrope","Helvetica Neue",Arial,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,Menlo,Consolas,monospace;
  --g:clamp(16px,4vw,64px);
  --r:14px;
}
*{box-sizing:border-box}
html{background:var(--black);-webkit-text-size-adjust:100%;scroll-padding-top:90px}
body{margin:0;background:var(--black);color:var(--cream);font-family:var(--body);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,video,iframe{max-width:100%;display:block}
a{color:inherit}
button{font:inherit}
:focus-visible{outline:2px solid var(--cream);outline-offset:3px;border-radius:4px}
.paper :focus-visible{outline-color:var(--red)}
.wrap{padding-inline:var(--g);max-width:1320px;margin-inline:auto}
.mono{font-family:var(--mono);font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:500}
.skip{position:absolute;left:-9999px;top:8px;z-index:200;background:var(--cream);color:var(--ink);padding:10px 14px;border-radius:8px}
.skip:focus{left:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:44px;background:var(--red);color:var(--white);text-decoration:none;border:0;border-radius:999px;padding:12px 22px;font-weight:700;font-size:15px;cursor:pointer;white-space:nowrap;transition:background .2s,transform .2s}
.btn:hover{background:#ea2a08}
.btn:active{transform:translateY(1px)}
.btn.ghost{background:transparent;box-shadow:inset 0 0 0 1px rgba(255,217,161,.5);color:var(--cream)}
.btn.ghost:hover{background:var(--cream);color:var(--ink)}
.btn-cream{background:var(--cream);color:var(--ink)}
.btn-cream:hover{background:var(--white)}

/* header */
.bn{position:fixed;inset:0 0 auto 0;z-index:60;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:calc(12px + env(safe-area-inset-top,0px)) var(--g) 12px;background:rgba(11,8,6,.78);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid transparent;transition:border-color .3s}
.bn.scrolled{border-color:var(--line)}
.bn-logo{display:block;line-height:0}
.bn-logo img{height:28px;width:auto}
.bn-links{display:flex;gap:28px}
.bn-links a{text-decoration:none;font-family:var(--mono);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;opacity:.78}
.bn-links a:hover,.bn-links a[aria-current]{opacity:1;color:var(--white)}
.bn-links a[aria-current]{box-shadow:0 1px 0 var(--red)}
.bn-r{display:flex;align-items:center;gap:14px}
.bn-blog{display:none;text-decoration:none;font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase}
@media (max-width:860px){.bn-links{display:none}.bn-blog{display:inline-flex;min-height:44px;align-items:center}}
@media (max-width:420px){.bn-logo img{height:21px}.bn .btn{padding:10px 14px;font-size:13px}}

/* ---------- listing ---------- */
.bl-hero{padding-top:clamp(120px,18vh,180px);padding-bottom:clamp(28px,5vh,48px)}
.eyebrow{display:flex;align-items:center;gap:14px;margin:0 0 22px;color:var(--cream)}
.eyebrow::before{content:"";width:28px;height:1px;background:var(--red)}
.bl-h1{margin:0;font-family:var(--display);font-weight:700;letter-spacing:-.045em;line-height:1.02;font-size:clamp(40px,7.2vw,112px);color:var(--white);max-width:15ch}
.bl-h1 em{font-family:var(--serif);font-style:italic;font-weight:400;letter-spacing:-.01em;color:var(--cream)}
.bl-lede{max-width:58ch;font-size:clamp(17px,1.5vw,20px);color:var(--muted);margin:22px 0 0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:34px}
.chips a{display:inline-flex;align-items:center;min-height:40px;padding:0 16px;border-radius:999px;border:1px solid var(--line);text-decoration:none;font-size:14px;font-weight:600;color:var(--cream)}
.chips a:hover{border-color:var(--cream)}
.chips a[aria-current]{background:var(--cream);color:var(--ink);border-color:var(--cream)}
.bl-list{padding-bottom:clamp(70px,10vh,120px)}
.empty{color:var(--muted);padding:40px 0}

.feature{margin:10px 0 clamp(40px,6vh,64px)}
.feature-link{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(20px,3vw,48px);align-items:center;text-decoration:none;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) + 6px);padding:clamp(12px,1.4vw,18px)}
.feature-img{aspect-ratio:16/10;border-radius:var(--r);overflow:hidden;background:var(--red-deep)}
.feature-img img,.feature-img picture{width:100%;height:100%}
.feature-img img{object-fit:cover;transition:transform 1s cubic-bezier(.2,.7,.2,1)}
.feature-link:hover .feature-img img{transform:scale(1.03)}
.feature-body{padding:8px clamp(4px,1.5vw,20px) 8px 0;display:grid;gap:16px;justify-items:start}
.feature-title{margin:0;font-family:var(--display);font-weight:650;letter-spacing:-.04em;line-height:1.08;font-size:clamp(26px,3vw,44px);color:var(--white)}
.tag{background:var(--red);color:var(--white);padding:4px 8px;border-radius:4px;margin-right:6px;letter-spacing:.12em}
@media (max-width:860px){.feature-link{grid-template-columns:1fr}.feature-body{padding:6px 8px 14px}}

.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(16px,2vw,28px)}
@media (max-width:1040px){.grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.grid{grid-template-columns:1fr}}
.card-link{display:flex;flex-direction:column;height:100%;text-decoration:none;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) + 4px);overflow:hidden;transition:border-color .25s,transform .25s}
.card-link:hover{border-color:rgba(255,217,161,.45);transform:translateY(-3px)}
.card-img{aspect-ratio:16/10;overflow:hidden;background:var(--red-deep)}
.card-img img,.card-img picture{width:100%;height:100%}
.card-img img{object-fit:cover}
.card-ph{display:grid;place-items:center;width:100%;height:100%;font-family:var(--display);font-weight:700;letter-spacing:-.04em;font-size:clamp(22px,2.4vw,32px);color:var(--cream);background:radial-gradient(120% 90% at 20% 10%,var(--red) 0%,var(--red-deep) 60%,#5a0e02 100%);padding:20px;text-align:center}
.card-body{display:flex;flex-direction:column;gap:10px;padding:18px 20px 20px;flex:1}
.card-meta{margin:0;color:var(--muted);font-size:10.5px}
.card-meta span{color:var(--cream)}
.card-title{margin:0;font-family:var(--display);font-weight:600;letter-spacing:-.035em;line-height:1.15;font-size:clamp(19px,1.6vw,23px);color:var(--white)}
.card-ex{margin:0;color:var(--muted);font-size:15.5px;line-height:1.55}
.card-date{margin:auto 0 0;padding-top:6px;color:rgba(255,217,161,.55);font-size:10.5px}

.pager{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:48px;color:var(--muted)}

.band{background:var(--red);color:var(--white)}
.band-in{padding-block:clamp(64px,10vh,110px);display:grid;gap:18px;justify-items:start}
.band .mono{margin:0;color:var(--cream)}
.band h2{margin:0;font-family:var(--display);font-weight:700;letter-spacing:-.045em;line-height:1.02;font-size:clamp(32px,5vw,72px);max-width:17ch}
.band p{margin:0;max-width:56ch;font-size:clamp(16px,1.3vw,19px)}

/* ---------- post ---------- */
.post-hero{padding-top:clamp(116px,16vh,168px);padding-bottom:clamp(28px,4vh,44px);max-width:1000px}
.is-focus .post-hero{padding-top:clamp(100px,13vh,140px)}
.crumbs{display:flex;gap:10px;align-items:center;margin:0 0 22px;color:var(--muted)}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--white)}
.crumbs a:last-child{color:var(--cream)}
.post-title{margin:0;font-family:var(--display);font-weight:700;letter-spacing:-.045em;line-height:1.04;font-size:clamp(34px,5.4vw,76px);color:var(--white);text-wrap:balance}
.post-dek{margin:22px 0 0;max-width:60ch;font-size:clamp(18px,1.6vw,22px);line-height:1.5;color:var(--cream);text-wrap:pretty}
.post-meta{display:flex;align-items:center;gap:14px;margin-top:30px}
.post-meta .av{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:1px solid var(--line);background:var(--red-deep)}
.post-meta .by{display:block;font-weight:700;color:var(--white)}
.post-meta .sub{display:block;margin-top:2px;color:var(--muted);font-size:10.5px}
.post-cover{margin:0 auto;max-width:1320px}
.post-cover img,.post-cover picture{width:100%;border-radius:calc(var(--r) + 6px)}
.post-cover img{aspect-ratio:16/9;height:auto;object-fit:cover;background:var(--red-deep)}
.post-cover figcaption{margin-top:10px;color:var(--muted);font-size:14px}

.paper{background:var(--paper);color:var(--ink);margin-top:clamp(-120px,-8vw,-40px);padding-top:clamp(88px,12vw,200px);padding-bottom:clamp(60px,9vh,110px)}
.post:not(:has(.post-cover)) .paper{margin-top:0;padding-top:clamp(48px,7vh,80px)}
.post-cover{position:relative;z-index:2}
.post-body-wrap{max-width:720px;margin:0 auto;padding-inline:20px}

.toc{background:var(--paper-2);border-radius:var(--r);padding:16px 20px;margin:0 0 40px}
.toc summary{cursor:pointer;color:var(--ink);list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:28px}
.toc summary::after{content:"+";font-family:var(--body);font-size:20px;letter-spacing:0}
.toc[open] summary::after{content:"–"}
.toc summary::-webkit-details-marker{display:none}
.toc ol{margin:12px 0 4px;padding-left:22px;display:grid;gap:6px}
.toc a{color:var(--ink);text-decoration:none;font-weight:600}
.toc a:hover{color:var(--red);text-decoration:underline}

/* article typography */
.post-body{font-size:clamp(18px,1.25vw,19.5px);line-height:1.75;color:var(--ink)}
.post-body > *:first-child{margin-top:0}
.post-body p{margin:0 0 1.2em}
.post-body h2{font-family:var(--display);font-weight:650;letter-spacing:-.04em;line-height:1.15;font-size:clamp(25px,2.4vw,34px);margin:2em 0 .6em;color:var(--ink);text-wrap:balance}
.post-body h3{font-family:var(--display);font-weight:600;letter-spacing:-.03em;line-height:1.25;font-size:clamp(20px,1.6vw,23px);margin:1.7em 0 .5em;color:var(--ink)}
.post-body h4{font-size:1em;margin:1.5em 0 .4em}
.post-body a{color:var(--red);text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:3px}
.post-body a:hover{color:var(--red-deep)}
.post-body strong{font-weight:800}
.post-body ul,.post-body ol{padding-left:1.3em;margin:0 0 1.3em}
.post-body li{margin:.35em 0}
.post-body li::marker{color:var(--red);font-weight:700}
.post-body blockquote{margin:1.8em 0;padding:4px 0 4px 24px;border-left:4px solid var(--red);font-family:var(--serif);font-style:italic;font-weight:400;font-size:1.3em;line-height:1.45;color:var(--ink)}
.post-body blockquote p{margin:0 0 .5em}
.post-body hr{border:0;height:1px;background:var(--line-ink);margin:2.5em 0}
.post-body code{font-family:var(--mono);font-size:.85em;background:var(--paper-2);padding:.1em .35em;border-radius:4px}
.post-body pre{background:var(--ink);color:var(--cream);padding:18px;border-radius:var(--r);overflow:auto;font-size:14px}
.post-body pre code{background:none;padding:0}
.post-body table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.9em;display:block;overflow-x:auto}
.post-body th,.post-body td{border-bottom:1px solid var(--line-ink);padding:10px 12px;text-align:left;vertical-align:top}
.post-body th{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:500}
.post-body img,.post-body picture{border-radius:var(--r);height:auto}
.post-body > p > img,.post-body > p > picture{margin:1.6em 0}
.post-body figure{margin:1.8em 0}
.post-body figcaption{margin-top:10px;font-size:14.5px;line-height:1.5;color:var(--ink-2)}
.post-body figure.is-wide{margin-inline:clamp(-160px,-12vw,0px)}
.post-body figure.is-full{margin-inline:calc(50% - 50vw);}
.post-body figure.is-full img{border-radius:0;width:100vw;max-width:100vw}
@media (max-width:900px){.post-body figure.is-wide{margin-inline:0}}

/* callout box ("Note") */
.post-body .note{background:var(--paper-2);border-radius:var(--r);padding:20px 22px;margin:1.8em 0;border-left:4px solid var(--red)}
.post-body .note .note-t{display:block;font-family:var(--mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:8px;color:var(--red-deep)}
.post-body .note p:last-child{margin-bottom:0}
/* inline button */
.post-body .btnrow{margin:1.8em 0}
.post-body .btnrow a{display:inline-flex;align-items:center;gap:10px;min-height:48px;background:var(--red);color:var(--white);text-decoration:none;border-radius:999px;padding:12px 24px;font-weight:700;font-size:16px}
.post-body .btnrow a:hover{background:var(--red-deep);color:var(--white)}

/* video */
.pv-video{margin:1.8em 0}
.pv-frame{position:relative;aspect-ratio:16/9;border-radius:var(--r);overflow:hidden;background:var(--black)}
.pv-video.is-vertical .pv-frame{aspect-ratio:9/16;max-width:380px;margin-inline:auto}
.pv-video.is-vertical figcaption{text-align:center}
.pv-frame iframe,.pv-frame video{position:absolute;inset:0;width:100%;height:100%;border:0}
.pv-frame video{object-fit:contain;background:#000}
.pv-play{position:absolute;inset:0;display:block;background:radial-gradient(120% 90% at 30% 20%,#3a0a02 0%,var(--black) 70%)}
.pv-play img{width:100%;height:100%;object-fit:cover;opacity:.92;transition:opacity .25s,transform .6s}
.pv-play:hover img{opacity:1;transform:scale(1.02)}
.pv-btn{position:absolute;left:50%;top:50%;width:78px;height:78px;margin:-39px 0 0 -39px;border-radius:50%;background:var(--red);box-shadow:0 10px 40px rgba(0,0,0,.45);transition:transform .2s}
.pv-btn::after{content:"";position:absolute;left:31px;top:24px;border-style:solid;border-width:15px 0 15px 24px;border-color:transparent transparent transparent var(--white)}
.pv-play:hover .pv-btn{transform:scale(1.08)}

/* FAQ */
.faq{margin:3em 0 0}
.faq h2{font-family:var(--display);font-weight:650;letter-spacing:-.04em;font-size:clamp(24px,2.2vw,30px);margin:0 0 .6em;color:var(--ink)}
.faq details{border-top:1px solid var(--line-ink)}
.faq details:last-child{border-bottom:1px solid var(--line-ink)}
.faq summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:700;font-size:18px;position:relative;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:14px;font-size:24px;color:var(--red)}
.faq details[open] summary::after{content:"–"}
.faq-a{padding:0 0 18px;font-size:17px;line-height:1.7}
.faq-a p{margin:0 0 .8em}
.faq-a a{color:var(--red)}

/* end CTA */
.cta-card{margin:3.2em 0 0;background:var(--red);color:var(--white);border-radius:calc(var(--r) + 8px);padding:clamp(26px,4vw,44px);display:grid;gap:14px;justify-items:start;position:relative;overflow:hidden}
.cta-card::after{content:"";position:absolute;right:-60px;bottom:-60px;width:220px;height:220px;border-radius:50%;border:40px solid rgba(255,217,161,.12)}
.cta-card .mono{margin:0;color:var(--cream)}
.cta-card h2{margin:0;font-family:var(--display);font-weight:700;letter-spacing:-.045em;line-height:1.05;font-size:clamp(26px,3vw,40px);max-width:18ch}
.cta-card p{margin:0;max-width:52ch;font-size:17px;line-height:1.6}
.cta-card .btn{margin-top:6px;position:relative;z-index:1}
.btn-link{color:var(--cream);font-size:15px;position:relative;z-index:1}
.btn-link:hover{color:var(--white)}

/* share + author */
.share{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:2.4em 0 0;padding-top:22px;border-top:1px solid var(--line-ink)}
.share .mono{margin-right:6px;color:var(--ink-2)}
.share a,.share button{display:inline-flex;align-items:center;min-height:40px;padding:0 14px;border-radius:999px;border:1px solid var(--line-ink);background:transparent;color:var(--ink);text-decoration:none;font-size:14px;font-weight:600;cursor:pointer}
.share a:hover,.share button:hover{border-color:var(--ink)}
.share button.done{background:var(--ink);color:var(--paper)}
.author{display:flex;gap:18px;align-items:flex-start;margin-top:2.4em;padding:22px;background:var(--paper-2);border-radius:var(--r)}
.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:50% 20%;flex:none;background:var(--red-deep)}
.author p{margin:0;font-size:15.5px;line-height:1.6}
.author .mono{color:var(--ink-2);font-size:10.5px;margin-bottom:4px}
.author .an{font-weight:800;margin-bottom:6px}

.related{padding-block:clamp(70px,10vh,120px)}
.sec-h{margin:0 0 30px;font-family:var(--display);font-weight:700;letter-spacing:-.045em;font-size:clamp(30px,4vw,56px);color:var(--white)}

/* sticky CTA (phones) */
.sticky-cta{position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom,0px));z-index:70;display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--ink);color:var(--cream);border:1px solid var(--line);border-radius:999px;padding:8px 8px 8px 20px;box-shadow:0 14px 40px rgba(0,0,0,.35);transform:translateY(140%);transition:transform .35s cubic-bezier(.2,.7,.2,1)}
.sticky-cta.on{transform:none}
.sticky-cta span{font-size:14px;font-weight:600;line-height:1.3;overflow:hidden;text-overflow:ellipsis;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical}
.sticky-cta .btn{padding:10px 16px;font-size:14px}
@media (min-width:861px){.sticky-cta{left:auto;right:24px;bottom:24px;max-width:460px}}

/* footer */
.bf{border-top:1px solid var(--line);padding:clamp(60px,9vh,100px) var(--g) 36px;max-width:1320px;margin:0 auto}
.bf-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:clamp(28px,4vw,64px)}
@media (max-width:760px){.bf-grid{grid-template-columns:1fr}}
.bf-logo{width:170px;height:auto;margin:0 0 20px}
.bf-note{margin:0;max-width:44ch;color:var(--muted);font-size:15.5px}
.bf h2{margin:0 0 14px;color:var(--cream);font-weight:500}
.bf ul{list-style:none;margin:0;padding:0;display:grid;gap:8px;font-size:15.5px}
.bf a{text-decoration:none;color:var(--muted)}
.bf a:hover{color:var(--white)}
.bf-sign{margin:clamp(50px,8vh,90px) 0 10px;font-family:var(--display);font-weight:800;letter-spacing:-.05em;line-height:.9;font-size:clamp(56px,13vw,200px);color:var(--red)}
.bf-tiny{margin:0;color:rgba(255,217,161,.5);font-size:13px}

@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
@media print{.bn,.sticky-cta,.share,.related,.bf,.cta-card{display:none}.paper{margin:0;padding:0;background:#fff}body{background:#fff;color:#000}}
.post-body figcaption:empty{display:none}