/* Phase 01: Margin Trading Facility hero */
:root {
    --mtf-navy: #0f2537;
    --mtf-blue: #0284c7;
    --mtf-blue-dark: #1e3a8a;
    --mtf-slate: #475569;
    --mtf-green: #059669;
    --mtf-border: #e0f2fe;
}

.mtf-page,
.mtf-page *,
.mtf-page *::before,
.mtf-page *::after { box-sizing: border-box; }

.mtf-hero {
    position: relative;
    overflow: hidden;
    padding: clamp(3rem, 7vw, 6rem) 0;
    background: linear-gradient(135deg, #f8fafc 0%, #f0f9ff 100%);
    text-align: center;
}

.mtf-hero__container {
    position: relative;
    z-index: 1;
    width: 100%;
    max-width: 880px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.mtf-hero__vector { position: absolute; z-index: 0; width: 240px; height: 240px; opacity: .07; pointer-events: none; }
.mtf-hero__vector--left { bottom: -105px; left: -72px; color: #0284c7; }
.mtf-hero__vector--right { top: -105px; right: -72px; color: #059669; }

.mtf-hero__eyebrow {
    display: inline-block;
    margin: 0 0 1rem;
    padding: .45rem .8rem;
    border-radius: 999px;
    background: #e6f4ea;
    color: #047857;
    font-size: .78rem;
    font-weight: 800;
    letter-spacing: .08em;
    line-height: 1.2;
    text-transform: uppercase;
}

.mtf-hero h1 {
    max-width: 820px;
    margin: 0 auto;
    color: var(--mtf-navy);
    font-size: 46px;
    font-weight: 700;
    letter-spacing: -.035em;
    line-height: 1.14;
}
.mtf-4x-highlight { color: var(--mtf-green); font-size: 48px; font-weight: 800; white-space: nowrap; }
.mtf-hero__subheadline { max-width: 730px; margin: 1.2rem auto 0; color: var(--mtf-blue-dark); font-size: 1.1rem; font-weight: 600; line-height: 1.55; }
.mtf-hero__description { max-width: 740px; margin: 1rem auto 0; color: var(--mtf-slate); font-size: 1rem; font-weight: 400; line-height: 1.65; }

.mtf-hero__highlight {
    max-width: 720px;
    margin: 1.75rem auto 0;
    padding: 1rem 1.15rem;
    border-left: 4px solid var(--mtf-blue);
    border-radius: .75rem;
    background: #f0f9ff;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: .9rem;
    text-align: center;
}
.mtf-hero__highlight svg { width: 38px; height: 38px; flex: 0 0 auto; color: var(--mtf-blue); }
.mtf-hero__highlight p { margin: 0; color: var(--mtf-slate); font-size: .96rem; line-height: 1.55; }
.text-bnpl { color: var(--mtf-green); font-weight: 800; }

.mtf-hero__cta {
    display: inline-flex;
    min-height: 48px;
    align-items: center;
    justify-content: center;
    gap: .55rem;
    margin-top: 1.5rem;
    padding: .85rem 1.4rem;
    border-radius: 999px;
    background: var(--mtf-green);
    color: #fff;
    font-size: 1rem;
    font-weight: 800;
    line-height: 1.2;
    text-decoration: none;
    -webkit-tap-highlight-color: transparent;
    transition: background-color .2s ease, transform .2s ease;
}
.mtf-hero__cta:hover { background: var(--mtf-navy); transform: translateY(-2px); }
.mtf-hero__cta:focus-visible { outline: 3px solid var(--mtf-green); outline-offset: 3px; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-hero { padding: 2.5rem 0; }
    .mtf-hero__container { padding: 0 .75rem; }
    .mtf-hero__eyebrow { font-size: 12px; }
    .mtf-hero h1 { font-size: 22px; }
    .mtf-4x-highlight { font-size: 24px; }
    .mtf-hero__subheadline { font-size: .9rem; }
    .mtf-hero__description { font-size: .88rem; }
    .mtf-hero__highlight { padding: 14px 12px; flex-direction: column; gap: .55rem; }
    .mtf-hero__highlight svg { width: 34px; height: 34px; }
    .mtf-hero__highlight p { font-size: .84rem; }
    .mtf-hero__cta { width: 100%; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-hero__container { padding: 0 1rem; }
    .mtf-hero h1 { font-size: 26px; }
    .mtf-4x-highlight { font-size: 28px; }
    .mtf-hero__highlight { align-items: center; text-align: center; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-hero__container { max-width: 680px; padding: 0 1.5rem; }
    .mtf-hero h1 { font-size: 30px; }
    .mtf-4x-highlight { font-size: 32px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-hero__container { max-width: 720px; }
    .mtf-hero h1 { font-size: 36px; }
    .mtf-4x-highlight { font-size: 38px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-hero__container { max-width: 840px; }
    .mtf-hero h1 { font-size: 42px; }
    .mtf-4x-highlight { font-size: 44px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-hero__container { max-width: 880px; }
    .mtf-hero h1 { font-size: 46px; }
    .mtf-4x-highlight { font-size: 48px; }
    .mtf-hero__vector { animation: mtf-vector-float 8s ease-in-out infinite alternate; }
}

@keyframes mtf-vector-float { to { transform: translateY(12px) rotate(4deg); } }
@media (prefers-reduced-motion: reduce) {
    .mtf-hero__vector,
    .mtf-hero__cta { animation: none; transition: none; }
    .mtf-hero__cta:hover { transform: none; }
}

/* Phase 02: What is MTF */
.mtf-what-is { padding: clamp(2.75rem, 6vw, 5rem) 0; background: #fff; }
.mtf-what-is__container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 2.5rem;
    align-items: center;
}
.mtf-what-is__content { text-align: left; }
.mtf-what-is h2 { margin: 0; color: var(--mtf-navy); font-size: clamp(1.45rem, 3vw, 2.15rem); font-weight: 700; line-height: 1.22; }
.mtf-what-is__content p { margin: 1rem 0 0; color: var(--mtf-slate); font-size: .96rem; font-weight: 400; line-height: 1.6; }
.mtf-what-is__example { text-align: center; }
.mtf-work-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; margin-top: 1.35rem; }
.mtf-work-card {
    position: relative;
    min-width: 0;
    min-height: 142px;
    overflow: hidden;
    padding: 1rem;
    border: 1px solid #a7f3d0;
    border-radius: 1rem;
    background: #e6f4ea;
    text-align: left;
}
.mtf-work-card__watermark { position: absolute; top: 1px; right: 8px; color: rgba(5, 150, 105, .13); font-size: 56px; font-weight: 900; line-height: 1; pointer-events: none; }
.mtf-work-card__label { position: relative; z-index: 1; display: flex; align-items: center; gap: 6px; color: var(--mtf-navy); font-size: .84rem; font-weight: 600; line-height: 1.3; }
.mtf-work-card__label svg { width: 18px; height: 18px; flex: 0 0 auto; color: var(--mtf-green); }
.mtf-work-card__value { position: relative; z-index: 1; margin: 1rem 0 0; color: var(--mtf-green); font-size: 1.75rem; font-weight: 800; line-height: 1.2; text-align: center; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-what-is { padding: 2rem 0; }
    .mtf-what-is__container { display: block; padding: 0 .75rem; }
    .mtf-what-is h2 { font-size: 20px; }
    .mtf-what-is__content p { font-size: 13px; }
    .mtf-what-is__example { margin-top: 2rem; }
    .mtf-work-grid { gap: .65rem; }
    .mtf-work-card { min-height: 112px; padding: 12px 10px; }
    .mtf-work-card__watermark { font-size: 50px; }
    .mtf-work-card__label { font-size: 11px; }
    .mtf-work-card__label svg { width: 15px; height: 15px; }
    .mtf-work-card__value { margin-top: .8rem; font-size: 18px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-what-is__container { display: block; padding: 0 1rem; }
    .mtf-what-is h2 { font-size: 22px; }
    .mtf-what-is__example { margin-top: 2.25rem; }
    .mtf-work-card__label { font-size: 12px; }
    .mtf-work-card__value { font-size: 20px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-what-is__container { display: block; max-width: 680px; padding: 0 1.5rem; }
    .mtf-what-is__example { margin-top: 2.5rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-what-is__container { display: block; max-width: 900px; padding: 0 2rem; }
    .mtf-what-is__example { margin-top: 2.5rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-what-is__container { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 40px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-work-card { transition: transform .2s ease, box-shadow .2s ease; }
    .mtf-work-card:hover { transform: translateY(-3px); box-shadow: 0 9px 18px rgba(5, 150, 105, .1); }
}

@media (prefers-reduced-motion: reduce) {
    .mtf-work-card { transition: none; }
    .mtf-work-card:hover { transform: none; }
}

/* Phase 03: Features and benefits */
.mtf-features { padding: clamp(2.75rem, 6vw, 5rem) 0; background: #f8fafc; }
.mtf-features__container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.mtf-features h2 { margin: 0; color: var(--mtf-navy); font-size: clamp(1.5rem, 3vw, 2.5rem); font-weight: 700; line-height: 1.2; text-align: center; }
.mtf-features__layout { display: grid; grid-template-columns: minmax(0, 35%) minmax(0, 65%); gap: 2rem; margin-top: clamp(1.75rem, 4vw, 3rem); align-items: center; }
.mtf-features__media { display: flex; justify-content: center; }
.mtf-app-screenshot { display: block; width: 100%; max-width: 272px; height: auto; border: 6px solid var(--mtf-navy); border-radius: 28px; box-shadow: 0 12px 32px rgba(15, 37, 55, .15); }
.mtf-features__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
.mtf-feature-card { min-width: 0; padding: 1.25rem; border-radius: .75rem; background: #fff; box-shadow: 0 4px 12px rgba(0, 0, 0, .04); text-align: left; transition: transform .25s ease, box-shadow .25s ease; }
.mtf-feature-card__icon { display: block; width: 26px; height: 26px; margin-bottom: .75rem; }
.mtf-feature-card__icon.is-blue { color: #0284c7; }
.mtf-feature-card__icon.is-green { color: #059669; }
.mtf-feature-card__icon.is-navy { color: #1e3a8a; }
.mtf-feature-card h3 { margin: 0; color: var(--mtf-navy); font-size: 1.125rem; font-weight: 700; line-height: 1.35; }
.mtf-feature-card p { margin: .45rem 0 0; color: var(--mtf-slate); font-size: .875rem; font-weight: 400; line-height: 1.5; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-features { padding: 2rem 0; }
    .mtf-features__container { padding: 0 .75rem; }
    .mtf-features h2 { font-size: 22px; }
    .mtf-features__layout { display: block; margin-top: 1.5rem; }
    .mtf-app-screenshot { max-width: 176px; }
    .mtf-features__grid { gap: 10px; margin-top: 1.5rem; }
    .mtf-feature-card { padding: .75rem; }
    .mtf-feature-card__icon { width: 20px; height: 20px; margin-bottom: .5rem; }
    .mtf-feature-card h3 { font-size: 14px; }
    .mtf-feature-card p { margin-top: .35rem; font-size: 11px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-features__container { padding: 0 1rem; }
    .mtf-features h2 { font-size: 24px; }
    .mtf-features__layout { display: block; }
    .mtf-app-screenshot { max-width: 200px; }
    .mtf-features__grid { gap: 12px; margin-top: 1.75rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-features__container { max-width: 680px; padding: 0 1.5rem; }
    .mtf-features h2 { font-size: 28px; }
    .mtf-features__layout { display: block; }
    .mtf-app-screenshot { max-width: 224px; }
    .mtf-features__grid { gap: 16px; margin-top: 2rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-features__container { max-width: 960px; padding: 0 2rem; }
    .mtf-features h2 { font-size: 32px; }
    .mtf-features__layout { display: block; }
    .mtf-app-screenshot { max-width: 256px; }
    .mtf-features__grid { gap: 20px; margin-top: 2rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-features h2 { font-size: 36px; }
    .mtf-features__layout { grid-template-columns: minmax(0, 35%) minmax(0, 65%); gap: 32px; }
    .mtf-app-screenshot { max-width: 240px; }
    .mtf-features__grid { gap: 24px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-features h2 { font-size: 40px; }
    .mtf-features__layout { grid-template-columns: minmax(0, 35%) minmax(0, 65%); }
    .mtf-app-screenshot { max-width: 272px; }
    .mtf-feature-card:hover { transform: translateY(-4px); box-shadow: 0 10px 20px rgba(15, 37, 55, .09); }
}

@media (prefers-reduced-motion: reduce) {
    .mtf-feature-card { transition: none; }
    .mtf-feature-card:hover { transform: none; }
}

/* Phase 04: Steps to start MTF */
.mtf-steps { padding: clamp(2.75rem, 6vw, 5rem) 0; background: linear-gradient(180deg, #fff 0%, #f0f9ff 100%); text-align: center; }
.mtf-steps__container { width: 100%; max-width: 1000px; margin: 0 auto; padding: 0 1.5rem; }
.mtf-steps h2 { margin: 0; color: var(--mtf-navy); font-size: clamp(1.45rem, 3vw, 2.4rem); font-weight: 700; line-height: 1.2; }
.mtf-steps__intro { max-width: 650px; margin: .65rem auto 0; color: var(--mtf-slate); font-size: .95rem; line-height: 1.55; }
.mtf-steps__phone {
    position: relative;
    width: 440px;
    height: 540px;
    margin: 1.75rem auto 0;
    padding: 28px 12px 12px;
    border: 9px solid var(--mtf-navy);
    border-radius: 3rem;
    background: var(--mtf-navy);
    box-shadow: 0 20px 40px rgba(15, 37, 55, .15);
    outline: none;
}
.mtf-steps__phone:focus-visible { outline: 3px solid var(--mtf-green); outline-offset: 4px; }
.mtf-steps__speaker { position: absolute; top: 10px; left: 50%; width: 64px; height: 5px; border-radius: 999px; background: #64748b; transform: translateX(-50%); }
.mtf-steps__screen { position: relative; height: 100%; overflow: hidden; border-radius: 2.05rem; background: #fff; }
.mtf-steps__slide {
    position: absolute;
    inset: 0;
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transform: translateX(18px);
    transition: opacity .3s ease, transform .3s ease;
}
.mtf-steps__slide.is-active { opacity: 1; pointer-events: auto; transform: translateX(0); }
.mtf-steps__badge { display: inline-flex; margin-bottom: 1.25rem; padding: .5rem .8rem; border-radius: 999px; background: var(--mtf-green); color: #fff; font-size: .82rem; font-weight: 800; letter-spacing: .06em; line-height: 1; text-transform: uppercase; }
.mtf-steps__slide p { max-width: 320px; margin: 0; color: var(--mtf-navy); font-size: 1.1rem; font-weight: 600; line-height: 1.5; }
.mtf-steps__navigation { display: flex; align-items: center; justify-content: center; gap: 1rem; margin-top: 1.1rem; }
.mtf-step-nav { width: 44px; height: 44px; padding: 0; border: 0; border-radius: 50%; background: var(--mtf-navy); color: #fff; cursor: pointer; -webkit-appearance: none; -webkit-tap-highlight-color: transparent; transition: transform .2s ease, background-color .2s ease; }
.mtf-step-nav svg { width: 22px; height: 22px; vertical-align: middle; }
.mtf-step-nav:hover { background: var(--mtf-green); transform: scale(1.06); }
.mtf-step-nav:focus-visible,
.mtf-step-dots button:focus-visible { outline: 2px solid var(--mtf-green); outline-offset: 3px; }
.mtf-step-dots { display: flex; align-items: center; gap: .5rem; }
.mtf-step-dots button { width: 9px; height: 9px; padding: 0; border: 0; border-radius: 50%; background: #cbd5e1; cursor: pointer; -webkit-appearance: none; -webkit-tap-highlight-color: transparent; transition: transform .2s ease, background-color .2s ease; }
.mtf-step-dots button.is-active { background: var(--mtf-green); transform: scale(1.2); }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-steps { padding: 2rem 0; }
    .mtf-steps__container { padding: 0 .75rem; }
    .mtf-steps h2 { font-size: 20px; }
    .mtf-steps__phone { width: 280px; height: 380px; padding: 24px 9px 9px; border-width: 7px; border-radius: 2.35rem; }
    .mtf-steps__screen { border-radius: 1.7rem; }
    .mtf-steps__slide { padding: 1rem; }
    .mtf-steps__badge { margin-bottom: 1rem; font-size: 12px; }
    .mtf-steps__slide p { font-size: 13px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-steps__phone { width: 310px; height: 420px; }
    .mtf-steps__badge { font-size: 13px; }
    .mtf-steps__slide p { font-size: 15px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-steps__phone { width: 340px; height: 450px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-steps__phone { width: 380px; height: 480px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-steps__phone { width: 420px; height: 520px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-steps__phone { width: 440px; height: 540px; }
}

@media (prefers-reduced-motion: reduce) {
    .mtf-steps__slide,
    .mtf-step-nav,
    .mtf-step-dots button { transition: none; }
    .mtf-step-nav:hover { transform: none; }
}

/* Phase 05: Ways to activate MTF */
.mtf-activate { padding: clamp(2.75rem, 6vw, 5rem) 0; background: #f8fafc; }
.mtf-activate__container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.mtf-activate__header { text-align: center; }
.mtf-activate__header h2 { margin: 0; color: var(--mtf-navy); font-size: clamp(1.45rem, 3vw, 2.25rem); font-weight: 700; line-height: 1.2; }
.mtf-activate__header p { margin: .65rem 0 0; color: var(--mtf-slate); font-size: 1rem; font-weight: 400; line-height: 1.55; }
.mtf-activate__grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2rem; margin-top: clamp(1.75rem, 4vw, 2.75rem); }
.mtf-activate__card { min-width: 0; padding: 2rem 1.5rem; border: 1px solid #e2e8f0; border-radius: .9rem; background: #fff; box-shadow: 0 4px 16px rgba(0, 0, 0, .04); text-align: center; transition: transform .3s ease, box-shadow .3s ease; }
.mtf-activate__icon { display: block; width: 72px; height: 72px; margin: 0 auto 1rem; }
.mtf-activate__card h3 { margin: 0; padding-bottom: 1rem; border-bottom: 1px solid #e2e8f0; color: var(--mtf-navy); font-size: 1.25rem; font-weight: 700; line-height: 1.35; }
.mtf-activate__card ol { margin: 1.15rem 0 0; padding: 0; list-style: none; text-align: left; }
.mtf-activate__card li { color: #334155; font-size: .94rem; line-height: 1.5; }
.mtf-activate__card li + li { margin-top: .8rem; }
.mtf-activate__card li strong { margin-right: .35rem; color: var(--mtf-green); font-weight: 800; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-activate { padding: 2rem 0; }
    .mtf-activate__container { padding: 0 .75rem; }
    .mtf-activate__grid { grid-template-columns: 1fr; gap: 1rem; margin-top: 1.5rem; }
    .mtf-activate__card { padding: 1.25rem 1rem; }
    .mtf-activate__icon { width: 56px; height: 56px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-activate__container { padding: 0 1rem; }
    .mtf-activate__grid { grid-template-columns: 1fr; gap: 1rem; }
    .mtf-activate__icon { width: 64px; height: 64px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-activate__container { max-width: 680px; padding: 0 1.5rem; }
    .mtf-activate__grid { grid-template-columns: 1fr; gap: 1.25rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-activate__container { max-width: 880px; padding: 0 2rem; }
    .mtf-activate__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
    .mtf-activate__card:last-child { grid-column: 1 / -1; width: calc(50% - .75rem); justify-self: center; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-activate__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
    .mtf-activate__icon { width: 72px; height: 72px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-activate__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; }
    .mtf-activate__card:hover { transform: translateY(-6px); box-shadow: 0 12px 28px rgba(0, 0, 0, .08); }
}

@media (prefers-reduced-motion: reduce) {
    .mtf-activate__card { transition: none; }
    .mtf-activate__card:hover { transform: none; }
}

/* Phase 06: Note for MTF clients */
.mtf-note { padding: clamp(2.5rem, 5vw, 4rem) 0; background: #f8fafc; }
.mtf-note__container { width: 100%; margin: 0 auto; padding: 0 1.5rem; }
.mtf-note-card { max-width: 1000px; margin: 0 auto; padding: 40px 48px; border: 1px solid #a7f3d0; border-radius: 1rem; background: #f0fdf4; color: #334155; text-align: center; }
.mtf-note-card__icon { display: block; width: 28px; height: 28px; margin: 0 auto .7rem; color: var(--mtf-green); }
.mtf-note-card h2 { margin: 0; color: var(--mtf-navy); font-size: 30px; font-weight: 700; line-height: 1.2; }
.mtf-note-card p { margin: .85rem auto 0; color: #334155; font-size: 15px; font-weight: 400; line-height: 1.6; }
.mtf-path-highlight { color: #047857; font-weight: 700; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-note { padding: 2rem 0; }
    .mtf-note__container { padding: 0 .75rem; }
    .mtf-note-card { padding: 20px 16px; }
    .mtf-note-card h2 { font-size: 20px; }
    .mtf-note-card p { margin-top: .75rem; font-size: 13px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-note__container { padding: 0 1rem; }
    .mtf-note-card { padding: 24px 20px; }
    .mtf-note-card h2 { font-size: 22px; }
    .mtf-note-card p { font-size: 14px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-note__container { max-width: 680px; padding: 0 1.5rem; }
    .mtf-note-card { padding: 28px 24px; }
    .mtf-note-card h2 { font-size: 24px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-note__container { max-width: 700px; padding: 0; }
    .mtf-note-card { padding: 32px; }
    .mtf-note-card h2 { font-size: 26px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-note__container { max-width: 900px; padding: 0; }
    .mtf-note-card { max-width: 900px; padding: 36px 40px; }
    .mtf-note-card h2 { font-size: 28px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-note__container { max-width: 1000px; padding: 0; }
    .mtf-note-card { max-width: 1000px; padding: 40px 48px; }
    .mtf-note-card h2 { font-size: 30px; }
}

/* Phase 07: MTF FAQs */
.mtf-faq { padding: clamp(2.5rem, 6vw, 5rem) 0; background: #fff; }
.mtf-faq__container { width: 75%; max-width: 1000px; margin: 0 auto; padding: 0; text-align: left; }
.mtf-faq h2 { margin: 0; color: var(--mtf-navy); font-size: clamp(1.45rem, 3vw, 2rem); font-weight: 700; line-height: 1.2; }
.mtf-faq__list { margin-top: 1.5rem; border-top: 1px solid #e2e8f0; }
.mtf-faq__item { border-bottom: 1px solid #e2e8f0; }
.mtf-faq__item h3 { margin: 0; }
.mtf-faq__question {
    width: 100%;
    min-height: 58px;
    padding: 1rem 0;
    border: 0;
    background: transparent;
    color: var(--mtf-navy);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: .75rem;
    font: inherit;
    font-size: 1.06rem;
    font-weight: 700;
    line-height: 1.4;
    text-align: left;
    -webkit-appearance: none;
    -webkit-tap-highlight-color: transparent;
}
.mtf-faq__question:focus-visible { outline: 2px solid var(--mtf-green); outline-offset: -2px; }
.mtf-faq__icon { flex: 0 0 auto; color: var(--mtf-green); font-size: 1.5rem; font-weight: 400; line-height: 1; transition: transform .25s ease, color .25s ease; }
.mtf-faq__item.is-open .mtf-faq__icon { color: var(--mtf-navy); transform: rotate(45deg); }
.mtf-faq__answer { display: grid; grid-template-rows: 0fr; overflow: hidden; opacity: 0; transition: grid-template-rows .3s ease, opacity .25s ease; }
.mtf-faq__answer > div { min-height: 0; padding: 0; }
.mtf-faq__item.is-open .mtf-faq__answer { grid-template-rows: 1fr; opacity: 1; }
.mtf-faq__item.is-open .mtf-faq__answer > div { padding: 0 0 1rem; }
.mtf-faq__answer p { margin: 0; color: #334155; font-size: .94rem; font-weight: 400; line-height: 1.6; text-align: left; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mtf-faq { padding: 2rem 0; }
    .mtf-faq__container { width: 100%; max-width: none; padding: 0 16px; }
    .mtf-faq h2 { font-size: 20px; }
    .mtf-faq__question { min-height: 0; padding: 16px 0; font-size: 15px; gap: 12px; }
    .mtf-faq__icon { font-size: 18px; }
    .mtf-faq__item.is-open .mtf-faq__answer > div { padding-bottom: 16px; }
    .mtf-faq__answer p { font-size: 13px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mtf-faq__container { width: 100%; max-width: none; padding: 0 20px; }
    .mtf-faq h2 { font-size: 22px; }
    .mtf-faq__question { font-size: 16px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mtf-faq__container { width: 100%; max-width: none; padding: 0 24px; }
    .mtf-faq h2 { font-size: 24px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mtf-faq__container { width: 75%; max-width: 800px; }
    .mtf-faq h2 { font-size: 26px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mtf-faq__container { width: 75%; max-width: 960px; }
    .mtf-faq h2 { font-size: 28px; }
    .mtf-faq__question { font-size: 18px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mtf-faq__container { width: 75%; max-width: 1000px; }
    .mtf-faq h2 { font-size: 32px; }
    .mtf-faq__question:hover { color: var(--mtf-green); }
}

@media (prefers-reduced-motion: reduce) {
    .mtf-faq__icon,
    .mtf-faq__answer { transition: none; }
}