/* Monk Pay website. Self-hosted fonts, no third-party requests, no inline styles (the CSP forbids them).
   Brand: navy structure, ONE accent (coral) reserved for what you want people to click. Warm paper background, serif headlines. */
@font-face{font-family:"Fraunces";src:url(/assets/fonts/fraunces.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"DM Sans";src:url(/assets/fonts/dm-sans.woff2) format("woff2");font-weight:100 1000;font-style:normal;font-display:swap}
:root{--navy:#2B2973;--navy-d:#1B1A52;--navy-2:#3E3C7C;--coral:#F04E66;--coral-d:#E03A55;--coral-t:#C92C49;--paper:#FBF8F3;--tint:#F1EEF8;--tint-2:#E8E4F3;--line:#E6E1EC;--ink:#1C1B3A;--mut:#5F5E7E;--ok:#157A4A;
 --serif:"Fraunces",Georgia,"Times New Roman",serif;--sans:"DM Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--r:18px;--max:1160px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.6 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--navy-d)}
:focus-visible{outline:3px solid var(--coral);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 14px;border-radius:8px;z-index:100}.skip:focus{left:8px}
.wrap{width:min(var(--max),100% - 40px);margin-inline:auto}.wrap.narrow{width:min(var(--max),100% - 40px)}.wrap.narrow>*{max-width:780px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.08;letter-spacing:-.015em;margin:0 0 .5em;color:var(--navy-d);font-variation-settings:"opsz" 96}
h1{font-size:clamp(2.35rem,5.4vw,4.1rem)}h2{font-size:clamp(1.8rem,3.4vw,2.7rem)}h3{font-size:1.28rem;line-height:1.2;letter-spacing:-.005em}
p{margin:0 0 1em}.lead{font-size:clamp(1.1rem,1.6vw,1.3rem);color:var(--mut);max-width:62ch}.muted{color:var(--mut)}.small{font-size:.9rem}
.eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 1rem;color:var(--coral-t);font:700 .8rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--coral)}
/* buttons: coral background with deep-navy text = 4.5:1 contrast (white on this coral would only reach 3.5:1) */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:.78em 1.5em;font:700 1rem/1.1 var(--sans);text-decoration:none;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s}
.btn-coral{background:var(--coral);color:var(--navy-d);box-shadow:0 1px 0 rgba(27,26,82,.15),0 10px 24px -12px rgba(240,78,102,.75)}.btn-coral:hover{background:var(--coral-d);color:var(--navy-d);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-d);color:#fff}.btn-lg{font-size:1.1rem;padding:.9em 1.8em}
.btn-link{display:inline-flex;gap:6px;font-weight:700;color:var(--navy);text-decoration:none;border-bottom:2px solid var(--line)}.btn-link:hover{border-color:var(--coral)}
/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(251,248,243,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:22px;min-height:68px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-d);font:700 1.3rem/1 var(--serif)}.brand img{border-radius:9px}
.nav{margin-left:auto;display:flex;align-items:center;gap:6px}.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem;padding:.55em .8em;border-radius:10px}
.nav a:hover{background:var(--tint)}.nav a[aria-current=page]{color:var(--navy);box-shadow:inset 0 -2px 0 var(--coral);border-radius:0}.nav .signin{color:var(--mut)}.nav .btn{margin-left:6px;padding:.62em 1.2em}.nav .btn:hover{background:var(--coral-d)}
.nav-t,.burger{display:none}
@media (max-width:980px){
 .burger{display:grid;place-items:center;margin-left:auto;width:44px;height:44px;border-radius:12px;cursor:pointer;border:1px solid var(--line);background:#fff}
 .burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:var(--navy-d);border-radius:2px;position:relative;content:""}
 .burger span::before{position:absolute;top:-6px}.burger span::after{position:absolute;top:6px}
 .nav{display:none;position:absolute;inset:68px 0 auto 0;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:2px;box-shadow:0 24px 40px -24px rgba(27,26,82,.35)}
 .nav-t:checked~.nav{display:flex}.nav a{padding:.9em .6em;font-size:1.05rem}.nav .btn{margin:10px 0 0}.nav a[aria-current=page]{box-shadow:none;background:var(--tint)}
}
/* sections */
.sec{padding:clamp(56px,8vw,104px) 0}.sec-head{max-width:720px;margin-bottom:clamp(28px,4vw,52px)}.sec-head h2{margin-bottom:.4em}.sec-head .lead{margin:0}
.tinted{background:var(--tint)}.pagehead+.sec{padding-top:clamp(8px,2vw,28px)}
.preview-bar{background:#FFF1D6;color:#7A4A00;text-align:center;padding:8px 12px;font-weight:700;font-size:.9rem}.preview-bar.err{background:#FFE3E0;color:#8A1C16;text-align:left}.preview-bar ul{margin:.3em 0 0 1.2em;padding:0;font-weight:500}
/* hero */
.hero{padding:clamp(20px,3vw,40px) 0 clamp(48px,6vw,88px);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.14fr) minmax(0,.86fr);gap:clamp(24px,4vw,64px);align-items:center}.hero-grid.solo{grid-template-columns:minmax(0,820px)}
.hero h1{font-size:clamp(2.5rem,5.4vw,4.2rem);margin-bottom:.32em}
.hero-sub{font-size:clamp(1.08rem,1.6vw,1.28rem);color:var(--mut);max-width:34em;margin-bottom:1.3em}
.hero-cta{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.hero-note{margin:.8em 0 0;color:var(--mut);font-size:.92rem}
.hero-visual{position:relative;min-height:560px}
.phone{background:#fff;border:7px solid #15133A;border-radius:36px;overflow:hidden;box-shadow:0 40px 70px -30px rgba(27,26,82,.55),0 0 0 1px rgba(27,26,82,.08);aspect-ratio:750/1624}.phone img{width:100%;height:100%;object-fit:cover}
.hero-visual .phone{position:absolute;width:min(46%,250px)}.hero-visual .p1{left:4%;top:0;transform:rotate(-3deg)}.hero-visual .p2{right:2%;top:56px;transform:rotate(3deg)}
.receipt{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px 12px;box-shadow:0 26px 50px -26px rgba(27,26,82,.5);font-feature-settings:"tnum"}
.receipt.float{position:absolute;left:-10px;bottom:-22px;width:min(330px,88%);transform:rotate(-1.5deg)}
.receipt-h{margin:0 0 8px;font:700 .95rem/1.2 var(--serif);color:var(--navy-d)}.receipt-h small{font:600 .68rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--ok);margin-left:8px;vertical-align:middle}
.receipt dl{margin:0}.receipt dl>div{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed #D9D4E3;font-size:.92rem}.receipt dt{color:var(--mut)}.receipt dd{margin:0;font-weight:700;text-align:right}
.receipt dl>div.total{border-bottom:0;padding:10px 0 4px;font-size:1.05rem}.receipt dl>div.total dd{color:var(--navy-d);font-size:1.15rem}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-visual{min-height:500px;max-width:520px;margin-inline:auto;width:100%}}
@media (max-width:520px){.hero-visual{min-height:460px}.hero-visual .phone{width:48%}.hero-visual .p2{top:40px}}
.trust{padding:0;background:var(--navy-d);color:#E9E8F7}.trust ul{list-style:none;margin:0;padding:20px 0;display:flex;flex-wrap:wrap;gap:10px 34px;justify-content:center}.trust li{font-weight:600;font-size:.97rem;display:flex;gap:10px;align-items:center}.trust li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--coral)}
.pagehead{padding:clamp(52px,7vw,92px) 0 clamp(18px,3vw,36px)}.pagehead h1{max-width:18em}
/* steps */
.steps-list{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:0 32px}
.steps-list li{counter-increment:s;border-top:2px solid var(--navy-d);padding:22px 0 8px;position:relative}
.steps-list li::before{content:counter(s,decimal-leading-zero);display:block;font:600 3.2rem/1 var(--serif);color:var(--coral);letter-spacing:-.03em;margin-bottom:14px}.steps-list p{color:var(--mut)}
/* cards */
.cards-list{list-style:none;margin:0;padding:0;display:grid;gap:0 44px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.cards-ruled .cards-list li{border-top:1px solid var(--line);padding:22px 0 26px}.cards-ruled h3{display:flex;gap:12px;align-items:baseline}.cards-ruled h3::before{content:"";flex:none;width:10px;height:10px;border-radius:2px;background:var(--coral);transform:translateY(-1px) rotate(45deg)}
.cards-list p{color:var(--mut);margin:0}.more{display:inline-block;margin-top:12px;font-weight:700;text-decoration:none;color:var(--navy);border-bottom:2px solid var(--line)}.more:hover{border-color:var(--coral)}
.cards-grid .cards-list{gap:18px}.cards-grid .cards-list li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.cards-dark{background:var(--navy);color:#fff}.cards-dark .cards-list{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:0 36px}.cards-dark h2,.cards-dark h3{color:#fff}.cards-dark .lead,.cards-dark .cards-list p{color:#CFCEE8}.cards-dark .cards-list li{border-top:1px solid rgba(255,255,255,.18);padding:22px 0 26px}.cards-dark .more{color:#fff;border-color:rgba(255,255,255,.3)}
/* compare */
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.compare .col{border-radius:var(--r);padding:30px 30px 24px;border:1px solid var(--line);background:#fff}
.compare .them{background:transparent;border-style:dashed}.compare .us{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:0 30px 50px -34px rgba(27,26,82,.7)}.compare .us h3{color:#fff}
.compare ul{list-style:none;margin:0;padding:0}.compare li{padding:12px 0 12px 32px;position:relative;border-top:1px solid var(--line)}.compare .us li{border-color:rgba(255,255,255,.16)}.compare li:first-child{border-top:0}
.compare .them li::before{content:"×";position:absolute;left:4px;top:9px;font:700 1.4rem/1 var(--sans);color:#9B8AA5}.compare .us li::before{content:"✓";position:absolute;left:4px;top:11px;font-weight:800;color:var(--coral)}
.compare .them li{color:var(--mut)}.footnote{color:var(--mut);font-size:.9rem;margin-top:18px}
@media (max-width:820px){.compare-grid{grid-template-columns:1fr}}
/* calculator */
.calc{background:var(--tint)}.calc-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(24px,5vw,72px);align-items:start}.calc-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(20px,3vw,32px);box-shadow:0 36px 60px -40px rgba(27,26,82,.55)}
.calc .receipt{border:0;box-shadow:none;padding:6px 0 0;margin-top:6px}.calc-err{color:#8A1C16;font-weight:600;margin:10px 0 0}.calc-links{margin-top:1.6rem}
.calc-card.busy .receipt dd{opacity:.45;transition:opacity .15s}
@media (max-width:900px){.calc-grid{grid-template-columns:1fr}}
/* forms */
.field{margin:0 0 16px}label{display:block;font-weight:700;font-size:.92rem;margin:0 0 6px}.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media (max-width:560px){.two{grid-template-columns:1fr}}
.input{width:100%;border:1.5px solid #CFC9DD;border-radius:12px;padding:.8em 1em;font:inherit;background:#fff;color:var(--ink)}.input:focus{outline:3px solid #C9C8F0;border-color:var(--navy)}textarea.input{resize:vertical;min-height:140px}
.input.amount{font:600 1.7rem/1.2 var(--serif);padding:.5em .8em}select.input{appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' fill='none' stroke='%232B2973' stroke-width='2'%3E%3Cpath d='m1 1 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:2.4em}
.form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(20px,3vw,32px)}.form-msg{font-weight:700;margin:14px 0 0}.form-msg.ok{color:var(--ok)}.form-msg.err{color:#8A1C16}.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.contact-list{list-style:none;padding:0;margin:1.5rem 0 0}.contact-list li{padding:10px 0;border-top:1px solid var(--line)}.contact-list b{display:inline-block;min-width:70px}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(24px,5vw,72px);align-items:center}@media (max-width:860px){.two-col{grid-template-columns:1fr}}
.imgtext.left .two-col>.copy{order:2}.imgtext .pic{display:flex;justify-content:center}.imgtext .pic img{max-height:560px;width:auto;border-radius:30px;box-shadow:0 36px 60px -34px rgba(27,26,82,.5)}
/* fee table, chips */
.fees{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin-bottom:20px}.fees th,.fees td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line)}.fees tr:last-child>*{border-bottom:0}.fees th{font-weight:600}.fees td{text-align:right;font:700 1.2rem/1.2 var(--serif);color:var(--navy-d);white-space:nowrap}
@media (max-width:560px){.fees th,.fees td{padding:14px;display:block;text-align:left;border-bottom:0}.fees td{padding-top:0;border-bottom:1px solid var(--line)}}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin:0 0 2rem;padding:0}.chips li{display:flex;gap:8px;align-items:baseline;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.55em 1.1em}.chips b{color:var(--navy-d)}.chips span{color:var(--mut);font-size:.92rem}
/* faq */
.faq details{border-top:1px solid var(--line);padding:4px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;font:600 1.18rem/1.35 var(--serif);padding:18px 40px 18px 0;position:relative;color:var(--navy-d)}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:14px;font:400 1.8rem/1 var(--sans);color:var(--coral-t);transition:transform .2s}.faq details[open] summary::after{transform:rotate(45deg)}.faq .prose{padding:0 0 18px;color:var(--mut)}
/* showcase */
.showcase-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:34px;justify-items:center}.showcase figure{margin:0;max-width:260px;text-align:center}.showcase figcaption{margin-top:18px;font-weight:600;color:var(--navy-d)}
/* cta band */
.cta{padding:clamp(48px,6vw,80px) 0}.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}.cta h2{margin:0 0 .25em;max-width:20em}.cta p{margin:0;max-width:44em}
.cta-navy{background:var(--navy);color:#fff}.cta-navy h2{color:#fff}.cta-navy p{color:#CFCEE8}.cta-coral{background:var(--coral)}.cta-coral h2,.cta-coral p{color:var(--navy-d)}.cta-coral .btn-coral{background:var(--navy-d);color:#fff}.cta-coral .btn-coral:hover{background:#000;color:#fff}
/* prose, article, blog */
.prose{max-width:68ch}.prose>*:first-child{margin-top:0}.prose h2{font-size:1.7rem;margin:1.8em 0 .5em}.prose h3{margin:1.5em 0 .4em}.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}.prose li{margin:.35em 0}.prose a{font-weight:600}
.prose blockquote{margin:1.6em 0;padding:.4em 0 .4em 1.2em;border-left:4px solid var(--coral);font:500 1.25rem/1.45 var(--serif);color:var(--navy-d)}.prose hr{border:0;border-top:1px solid var(--line);margin:2em 0}.prose code{background:var(--tint);padding:1px 6px;border-radius:6px;font-size:.92em}
.text.tinted{background:var(--tint)}.legal h1{font-size:clamp(2rem,4vw,3rem)}.legal .prose{font-size:1rem}
.article h1{font-size:clamp(2.2rem,4.6vw,3.4rem)}.article .back{display:inline-block;margin-bottom:20px;font-weight:600;text-decoration:none}.article-pic{margin:0 0 2rem}.article-pic img{border-radius:var(--r);width:100%}
.posts{list-style:none;margin:0;padding:0;display:grid;gap:0}.posts li{border-top:1px solid var(--line)}.posts li:last-child{border-bottom:1px solid var(--line)}.posts a{display:block;padding:28px 0;text-decoration:none;color:inherit}.posts a:hover h3{color:var(--coral-t)}.posts time{font-size:.85rem;font-weight:700;color:var(--mut);letter-spacing:.06em;text-transform:uppercase}.posts h3{font-size:1.6rem;margin:.3em 0 .3em}.posts p{color:var(--mut);margin:0 0 .6em;max-width:60ch}
/* footer */
.site-foot{background:var(--navy-d);color:#CFCEE8;padding:56px 0 100px;margin-top:0}.site-foot a{color:#E9E8F7;text-decoration:none}.site-foot a:hover{color:#fff;text-decoration:underline}.site-foot .brand{color:#fff}
.foot-top{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:32px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.14)}.foot-top h2{font:700 .78rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#9C9BC4;margin:0 0 14px}.foot-top ul{list-style:none;margin:0;padding:0}.foot-top li{margin:9px 0}.foot-brand p{margin:14px 0 0;max-width:24ch}
.foot-legal{padding-top:24px;font-size:.88rem;color:#A9A8CC}.foot-legal p{margin:0 0 .6em;max-width:90ch}@media (max-width:760px){.foot-top{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}
.sticky-cta{display:none}
@media (max-width:720px){.sticky-cta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(251,248,243,.96);backdrop-filter:blur(10px);border-top:1px solid var(--line)}.sticky-cta .btn{width:100%}}
.result{min-height:70vh;display:grid;align-items:center;padding:40px 0}.result h1{margin-top:1.2em}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-head,.sticky-cta,.cta,.site-foot{display:none}body{background:#fff}}

.sec.faq .wrap.narrow>*{max-width:780px}.legal .wrap.narrow>*,.article .wrap.narrow>*{max-width:740px}

/* app store badges */
.badges{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-start}
.badges .bd{display:inline-flex;flex-direction:column;align-items:flex-start;gap:6px;text-decoration:none;border-radius:10px;transition:transform .15s}
.badges img{height:48px;width:auto;display:block}
.badges.sm img{height:40px}.badges.lg img{height:54px}
.badges a.bd:hover{transform:translateY(-2px)}
.badges .bd.soon img{opacity:.55;filter:grayscale(1)}
.badges .bd.soon small{font:700 .68rem/1 var(--sans);letter-spacing:.09em;text-transform:uppercase;color:var(--mut)}
.hero-badges{margin-top:16px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}.hero-badges>span{color:var(--mut);font-size:.92rem;font-weight:600}
.appbadges{padding:clamp(40px,5vw,64px) 0}.appbadges .wrap{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.appbadges .ab-copy{max-width:640px}.appbadges .sec-head{margin:0}.appbadges h2{font-size:clamp(1.6rem,3vw,2.3rem)}
.appbadges.tint{background:var(--tint)}.appbadges.navy{background:var(--navy);color:#fff}.appbadges.navy h2{color:#fff}.appbadges.navy .lead{color:#CFCEE8}.appbadges.navy .bd.soon small{color:#CFCEE8}
.appbadges.align-center .wrap{flex-direction:column;text-align:center}.appbadges.align-center .badges{justify-content:center}
.foot-apps{margin-top:22px}.foot-apps h2{margin-bottom:10px}
@media (max-width:520px){.badges img{height:44px}.appbadges .badges{width:100%}}