/* ============================================================
   How Upgrade Works page — scoped under .upg so nothing leaks
   into Bootstrap or the shared header/footer styles.
   ============================================================ */
.upg{--ink:#1a1a2e;--ink-2:#2b2b44;--ink-soft:#4a4a66;--muted:#6f6f85;
  --line:#e7e4ef;--line-2:#f1eef7;--bg-soft:#f6f3fb;
  --brand:#5a2a9c;--brand-dark:#47217a;--brand-soft:#efe7fa;
  --accent:#f5a623;--accent-dark:#d98b0c;--accent-soft:#fdf1db;
  --green:#1e7a4a;--green-soft:#eafaf1;--orange:#e2621b;
  font-family:'Figtree',system-ui,Arial,sans-serif;color:var(--ink);-webkit-font-smoothing:antialiased}
.upg *{box-sizing:border-box}
.upg img{max-width:100%;display:block}
.upg a{color:inherit;text-decoration:none}
.upg a:hover{color:var(--brand)}
.upg .page{max-width:1320px;margin:0 auto;padding:0 32px}

/* ===== HERO ===== */
.upg .hero{position:relative;color:#fff;background:linear-gradient(135deg,rgba(28,15,60,.92),rgba(90,42,156,.8) 58%,rgba(226,98,27,.6)),#1c0f3c}
.upg .hero-deco{position:absolute;inset:0;overflow:hidden;pointer-events:none;z-index:0}
.upg .hero-deco::before{content:"";position:absolute;inset:0;opacity:.07;background-image:linear-gradient(to right,#fff 1px,transparent 1px),linear-gradient(to bottom,#fff 1px,transparent 1px);background-size:44px 44px;-webkit-mask-image:radial-gradient(ellipse 80% 70% at 45% 50%,#000 30%,transparent 88%);mask-image:radial-gradient(ellipse 80% 70% at 45% 50%,#000 30%,transparent 88%)}
.upg .hero-deco::after{content:"";position:absolute;right:-90px;top:50%;transform:translateY(-50%);width:520px;height:520px;opacity:.5;background:radial-gradient(circle at center,transparent 120px,rgba(255,255,255,.06) 121px,rgba(255,255,255,.06) 123px,transparent 124px),radial-gradient(circle at center,transparent 190px,rgba(255,255,255,.05) 191px,rgba(255,255,255,.05) 193px,transparent 194px),radial-gradient(circle at center,transparent 265px,rgba(255,255,255,.04) 266px,rgba(255,255,255,.04) 269px,transparent 270px)}
.upg .hero-inner{position:relative;z-index:2;max-width:1320px;margin:0 auto;padding:160px 32px 0;display:grid;grid-template-columns:1fr 1.02fr;gap:48px;align-items:center}
.upg .crumb{font-size:13.5px;color:rgba(255,255,255,.72);display:flex;align-items:center;gap:9px;flex-wrap:wrap}
.upg .crumb .sep{opacity:.5}
.upg .crumb .on{color:#fff;font-weight:600}
.upg .hero h1{font-size:clamp(34px,3.9vw,50px);line-height:1.1;font-weight:800;letter-spacing:-.028em;margin:22px 0 0;color:#fff}
.upg .hero h1 .a{color:var(--accent);display:block}
.upg .hero p.lede{font-size:16.5px;line-height:1.65;color:rgba(255,255,255,.85);max-width:470px;margin:18px 0 0;font-weight:500}

.upg .hstats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));align-items:center;margin:34px 0 0}
.upg .hstat{display:flex;align-items:center;gap:10px;padding:0 16px;min-width:0}
.upg .hstat:first-child{padding-left:0}
.upg .hstat + .hstat{border-left:1px solid rgba(255,255,255,.2)}
.upg .hstat .si{width:32px;height:32px;border-radius:9px;border:1px solid rgba(255,255,255,.26);background:rgba(255,255,255,.08);display:grid;place-items:center;flex-shrink:0}
.upg .hstat .si svg{width:16px;height:16px;stroke:#fff;stroke-width:1.8;fill:none}
.upg .hstat .v{font-size:19px;font-weight:800;line-height:1.3;letter-spacing:-.02em;display:flex;align-items:baseline;gap:2px}
.upg .hstat .v .plus{color:var(--accent);font-size:15px}
.upg .hstat .l{font-size:13px;color:rgba(255,255,255,.8);font-weight:500;line-height:1.3;display:block}
.upg .hstat .big{font-size:15px;font-weight:800;line-height:1.3;letter-spacing:-.01em}

/* hero flow diagram */
.upg .flow{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:22px;display:grid;grid-template-columns:1fr auto 1fr;gap:16px;align-items:stretch;backdrop-filter:blur(10px)}
.upg .tile{border-radius:14px;overflow:hidden;display:flex;flex-direction:column;text-align:center}
.upg .tile .th{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:12px 10px;color:#fff}
.upg .tile.on{background:linear-gradient(170deg,#3f1f78,#2a1355)}
.upg .tile.on .th{background:rgba(255,255,255,.09);color:#c9b3ee}
.upg .tile.bim{background:linear-gradient(170deg,#e2621b,#c04a12)}
.upg .tile.bim .th{background:rgba(0,0,0,.16);color:#ffe2c9}
.upg .tile .art{padding:16px 18px 10px}
.upg .tile .art img{width:100%;height:104px;object-fit:contain}
.upg .tile .box{margin:0 14px 14px;border-radius:11px;padding:12px 12px 14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18)}
.upg .tile .box .k{font-size:10px;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:rgba(255,255,255,.72)}
.upg .tile .box .off{font-size:11.5px;font-weight:600;color:rgba(255,255,255,.8);margin-top:9px}
.upg .tile .box .amt{font-size:25px;font-weight:800;color:var(--accent);letter-spacing:-.02em;margin-top:3px}
.upg .tile .box .was{font-size:11.5px;font-weight:600;color:rgba(255,255,255,.7);margin-top:4px}
.upg .tile .box .was s{opacity:.75}
.upg .tile.bim .box .amt{color:#fff}
.upg .tile .box .note{font-size:11.5px;line-height:1.45;color:rgba(255,255,255,.88);font-weight:500;margin-top:8px}
.upg .midflow{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;width:122px;text-align:center}
.upg .midflow .arw-h{display:block;width:100%;height:24px;color:rgba(255,255,255,.6)}
.upg .midflow .arw-v{display:none;width:24px;height:56px;color:rgba(255,255,255,.6)}
.upg .midflow .cap{font-size:11.5px;line-height:1.45;font-weight:600;color:rgba(255,255,255,.8)}

/* ===== BENEFITS BANNER (straddles hero edge) ===== */
.upg .bwrap{position:relative;z-index:4;max-width:1320px;margin:44px auto 0;padding:0 32px;transform:translateY(50%)}
.upg .bcard{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:26px;background:#f4f1fc;border:1px solid #e6dffa;border-radius:16px;padding:24px 30px;box-shadow:0 30px 60px -34px rgba(26,26,46,.35)}
.upg .bcard .bi{width:68px;height:68px;border-radius:50%;background:#fff;border:1.5px solid var(--brand-soft);display:grid;place-items:center;flex-shrink:0}
.upg .bcard .bi svg{width:31px;height:31px;stroke:var(--brand);stroke-width:1.8;fill:none}
.upg .bcard h3{font-size:19.5px;font-weight:800;color:var(--brand);margin:0 0 7px;letter-spacing:-.015em}
.upg .bcard p{font-size:15px;line-height:1.55;color:var(--ink-soft);margin:0;max-width:520px;font-weight:500}
.upg .bcard .blink{display:inline-flex;align-items:center;gap:10px;font-size:15px;font-weight:700;color:var(--brand);border-bottom:1.5px solid var(--brand);padding-bottom:3px;flex-shrink:0}
.upg .bcard .blink:hover{opacity:.7}
.upg .bcard .blink svg{width:17px;height:17px;stroke:currentColor;stroke-width:2.2;fill:none}

/* ===== SECTIONS ===== */
.upg .sec{padding:0 0 56px}
.upg .sec-top{padding-top:112px}
.upg h2.sh{font-size:26px;font-weight:800;letter-spacing:-.02em;color:var(--ink);text-align:center;margin:0 0 8px}
.upg .sh-rule{width:54px;height:3px;border-radius:2px;background:var(--brand);margin:0 auto 40px}
.upg h2.left{text-align:left;margin:0 0 24px}

/* steps */
.upg .steps{display:flex;align-items:flex-start;gap:0}
.upg .step{flex:1;min-width:0}
.upg .step .ico{width:76px;height:76px;border-radius:50%;background:var(--brand-soft);display:grid;place-items:center;margin-bottom:20px}
.upg .step .ico svg{width:34px;height:34px;stroke:var(--brand);stroke-width:1.7;fill:none}
.upg .step.gold .ico{background:var(--accent-soft)}
.upg .step.gold .ico svg{stroke:var(--accent-dark)}
.upg .step .hd{display:flex;align-items:flex-start;gap:10px}
.upg .step .n{width:22px;height:22px;border-radius:50%;background:var(--brand);color:#fff;font-size:11.5px;font-weight:800;display:grid;place-items:center;flex-shrink:0;margin-top:2px}
.upg .step .t{font-size:15.5px;font-weight:800;color:var(--ink);line-height:1.3;letter-spacing:-.01em}
.upg .step .d{font-size:14px;line-height:1.6;color:var(--muted);margin-top:11px;font-weight:500;padding-right:26px}
.upg .sarw{flex:0 0 74px;height:2px;background:var(--line);margin:37px 8px 0;position:relative}
.upg .sarw::after{content:"";position:absolute;right:0;top:50%;transform:translateY(-50%) rotate(45deg);width:8px;height:8px;border-right:2px solid #cfc7e0;border-top:2px solid #cfc7e0}

/* example */
.upg .exrow{display:flex;align-items:stretch;gap:0;flex-wrap:wrap}
.upg .excard{flex:1;min-width:0;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}
.upg .excard .eh{display:flex;align-items:center;gap:11px;padding:15px 16px;border-bottom:1px solid var(--line-2)}
.upg .excard .eh .ei{width:32px;height:32px;border-radius:8px;display:grid;place-items:center;flex-shrink:0;font-size:14px;font-weight:800}
.upg .excard .eh .ei svg{width:17px;height:17px;stroke-width:1.9;fill:none}
.upg .excard .eh .et{font-size:13.5px;font-weight:800;color:var(--ink);line-height:1.3}
.upg .excard .eb{padding:15px 16px 18px}
.upg .excard .ek{font-size:13px;font-weight:600;color:var(--muted)}
.upg .excard .ev{font-size:26px;font-weight:800;letter-spacing:-.025em;margin-top:6px;color:var(--ink)}
.upg .excard .en{font-size:11.5px;line-height:1.45;color:var(--muted);margin-top:8px;font-weight:500}
.upg .excard .en s{opacity:.85}
.upg .excard.c1{background:var(--brand-soft);border-color:#ddd0f3}
.upg .excard.c1 .eh{border-color:rgba(90,42,156,.14)}
.upg .excard.c1 .eh .ei{background:var(--brand);color:#fff}
.upg .excard.c1 .ev{color:var(--brand)}
.upg .excard.c2{background:#eef4fd;border-color:#d7e4f7}
.upg .excard.c2 .eh{border-color:rgba(43,79,138,.14)}
.upg .excard.c2 .eh .ei{background:#dbe8fa;color:#2b4f8a}
.upg .excard.c2 .ev{color:#2b4f8a}
.upg .excard.c3{background:var(--green-soft);border-color:#c7ecd8}
.upg .excard.c3 .eh{border-color:rgba(30,122,74,.14)}
.upg .excard.c3 .eh .ei{background:#d5f2e2;color:var(--green)}
.upg .excard.c3 .ev{color:var(--green)}
.upg .excard.c4{background:var(--accent-soft);border-color:#f6e0bb}
.upg .excard.c4 .eh{border-color:rgba(217,139,12,.16)}
.upg .excard.c4 .eh .ei{background:#fbe4bd;color:var(--accent-dark)}
.upg .excard.c4 .ev{color:var(--accent-dark)}
.upg .exop{flex:0 0 56px;display:grid;place-items:center;font-size:24px;font-weight:700;color:var(--muted)}
.upg .exnote{display:flex;align-items:center;gap:10px;margin-top:20px;font-size:13.5px;color:var(--muted);font-weight:500}
.upg .exnote svg{width:17px;height:17px;stroke:var(--brand);stroke-width:1.9;fill:none;flex-shrink:0}

/* terms + eligible */
.upg .cols2{display:grid;grid-template-columns:1fr 1.06fr;gap:56px;padding-top:44px;border-top:1px solid var(--line-2);margin-top:44px}
.upg h3.ch{font-size:19px;font-weight:800;color:var(--brand);letter-spacing:-.015em;margin:0 0 16px}
.upg .tlist{display:flex;flex-direction:column;gap:13px}
.upg .titem{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;line-height:1.5;color:var(--ink-soft);font-weight:500}
.upg .titem svg{width:19px;height:19px;flex-shrink:0;margin-top:1px;stroke:var(--brand);stroke-width:1.9;fill:none}
.upg .csub{font-size:14.5px;line-height:1.6;color:var(--muted);margin:0 0 16px;font-weight:500}
.upg .prow{display:flex;align-items:center;gap:13px;border:1px solid var(--line);border-radius:11px;padding:14px 16px;margin-bottom:10px;transition:border-color .18s,background .18s}
.upg .prow:hover{border-color:var(--brand);background:var(--bg-soft)}
.upg .prow .pi{width:32px;height:32px;border-radius:8px;background:var(--bg-soft);display:grid;place-items:center;flex-shrink:0}
.upg .prow .pi svg{width:17px;height:17px;stroke:var(--brand);stroke-width:1.9;fill:none}
.upg .prow .pn{font-size:14.5px;font-weight:600;color:var(--ink-2);flex:1}
.upg .prow .pc{width:8px;height:8px;border-right:2px solid var(--muted);border-top:2px solid var(--muted);transform:rotate(45deg);flex-shrink:0}
.upg .pfine{font-size:13px;color:var(--muted);margin:12px 0 0;font-weight:500}

/* CTA band */
.upg .cta{position:relative;overflow:hidden;border-radius:18px;background:linear-gradient(100deg,#3a1c66 0%,#5a2a9c 46%,#e2621b 100%);color:#fff;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;padding:30px 36px;margin-top:8px}
.upg .cta h3{font-size:25px;font-weight:800;letter-spacing:-.02em;margin:0 0 8px;color:#fff}
.upg .cta p{font-size:15px;line-height:1.55;color:rgba(255,255,255,.85);margin:0;font-weight:500}
.upg .cta .btns{display:flex;flex-direction:column;gap:11px;flex-shrink:0}
.upg .cbtn{display:inline-flex;align-items:center;justify-content:space-between;gap:14px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.34);color:#fff;border-radius:10px;padding:14px 20px;font-size:14.5px;font-weight:700;min-width:250px;transition:background .18s,transform .16s}
.upg .cbtn:hover{background:rgba(255,255,255,.24);color:#fff;transform:translateY(-1px)}
.upg .cbtn svg{width:16px;height:16px;stroke:currentColor;stroke-width:2.3;fill:none;flex-shrink:0}

/* help bar */
.upg .help{display:flex;align-items:center;gap:16px;background:var(--bg-soft);border:1px solid var(--line-2);border-radius:14px;padding:18px 24px;margin-top:18px}
.upg .help .hi{width:44px;height:44px;border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;flex-shrink:0}
.upg .help .hi svg{width:21px;height:21px;stroke:var(--brand);stroke-width:1.9;fill:none}
.upg .help .ht{font-size:15px;font-weight:800;color:var(--brand)}
.upg .help .hs{font-size:13.5px;color:var(--muted);margin-top:3px;font-weight:500}
.upg .help .hb{margin-left:auto;display:inline-flex;align-items:center;gap:10px;background:var(--brand);color:#fff;border-radius:10px;padding:13px 20px;font-size:14.5px;font-weight:700;flex-shrink:0;box-shadow:0 12px 26px -14px rgba(90,42,156,.7)}
.upg .help .hb:hover{background:var(--brand-dark);color:#fff}
.upg .help .hb svg{width:17px;height:17px;stroke:currentColor;stroke-width:1.9;fill:none}
.upg .tailpad{height:64px}

@media (max-width:1199px){
  .upg .hero-inner{padding-top:120px}
}
@media (max-width:1080px){
  .upg .hero-inner{grid-template-columns:1fr;gap:32px}
  .upg .steps{flex-wrap:wrap;gap:30px}
  .upg .step{flex:1 1 44%}
  .upg .sarw{display:none}
  .upg .exrow{flex-direction:column}
  .upg .exop{flex:0 0 44px}
  .upg .cols2{grid-template-columns:1fr;gap:36px}
  .upg .cta{grid-template-columns:1fr;gap:22px}
  .upg .bcard{grid-template-columns:auto 1fr;row-gap:18px}
  .upg .bcard .blink{grid-column:2}
}
@media (max-width:640px){
  .upg .page,.upg .bwrap{padding-left:20px;padding-right:20px}
  .upg .hero-inner{padding:100px 20px 0}
  /* card is too tall to straddle the hero edge on phones — keep it in flow */
  .upg .bwrap{transform:none;margin-top:32px;padding-bottom:36px}
  .upg .bcard{grid-template-columns:1fr;row-gap:14px;padding:22px 20px}
  .upg .bcard p{text-align:left}
  .upg .bcard .blink{grid-column:1;justify-self:start}
  .upg .flow{grid-template-columns:1fr;gap:12px}
  .upg .midflow{width:100%;padding:6px 0}
  .upg .midflow .arw-h{display:none}
  .upg .midflow .arw-v{display:block;margin:0 auto}
  .upg .hstats{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:22px}
  .upg .hstat{padding:0 14px}
  .upg .hstat:first-child{padding-left:0}
  .upg .hstat:nth-child(3){padding-left:0;border-left:none}
  .upg .step{flex:1 1 100%}
  .upg .help{flex-wrap:wrap}
  .upg .help .hb{margin-left:0;width:100%;justify-content:center}
  .upg .cbtn{min-width:0;width:100%}
  .upg .sec-top{padding-top:48px}
}