/* ══════════════════════════════════════════
   mortgage-calculator.co — Professional Theme
   ══════════════════════════════════════════ */

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --brand:        #1e40af;
  --brand-dark:   #1e3a8a;
  --brand-mid:    #2563eb;
  --brand-light:  #3b82f6;
  --brand-pale:   #eff6ff;
  --brand-pale2:  #dbeafe;

  --accent:       #059669;
  --accent-light: #d1fae5;
  --warning:      #d97706;
  --danger:       #dc2626;
  --danger-light: #fee2e2;

  --bg:           #f8fafc;
  --bg2:          #f1f5f9;
  --bg3:          #e8eef5;
  --surface:      #ffffff;
  --surface2:     #f8fafc;
  --border:       #e2e8f0;
  --border2:      #cbd5e1;

  --text:         #0f172a;
  --text-muted:   #475569;
  --text-faint:   #94a3b8;

  --navy:         #0f2d52;
  --navy-mid:     #1e3a5f;

  --radius-sm:    8px;
  --radius:       12px;
  --radius-lg:    20px;

  --shadow-xs:    0 1px 3px rgba(15,45,82,.08), 0 1px 2px rgba(15,45,82,.06);
  --shadow-sm:    0 2px 8px rgba(15,45,82,.10), 0 1px 4px rgba(15,45,82,.06);
  --shadow:       0 4px 16px rgba(15,45,82,.10), 0 2px 6px rgba(15,45,82,.06);
  --shadow-lg:    0 8px 32px rgba(15,45,82,.13), 0 4px 12px rgba(15,45,82,.07);

  --transition:   .18s ease;
  --font: 'Inter', system-ui, sans-serif;
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── Typography ── */
h1, h2, h3, h4 { font-weight: 700; line-height: 1.2; color: var(--text); }
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
h3 { font-size: 1.05rem; }
p  { color: var(--text-muted); }

a { color: var(--brand-mid); text-decoration: none; }
a:hover { color: var(--brand-dark); }

/* ── Layout ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section { padding: 5rem 0; }
.section-header { text-align: center; margin-bottom: 3rem; }
.section-header h2 { margin-bottom: .5rem; }
.section-header p  { color: var(--text-muted); }

/* ── Card ── */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
.card:hover { box-shadow: var(--shadow); }

/* ── Buttons ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .75rem 1.5rem;
  background: var(--brand);
  color: #fff;
  font-weight: 600;
  font-size: .95rem;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 2px 8px rgba(30,64,175,.25);
}
.btn-primary:hover {
  background: var(--brand-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(30,64,175,.35);
}
.btn-primary:active { transform: translateY(0); }

.btn-outline {
  display: inline-flex;
  align-items: center;
  padding: .45rem .9rem;
  background: transparent;
  color: var(--brand);
  font-size: .85rem;
  font-weight: 500;
  border: 1px solid var(--border2);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
}
.btn-outline:hover {
  background: var(--brand-pale);
  border-color: var(--brand-light);
  color: var(--brand-dark);
}

/* ══════════════
   HEADER
══════════════ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
}
.header-inner {
  display: flex;
  align-items: center;
  height: 64px;
  gap: 2rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: .6rem;
  color: var(--navy);
  font-size: 1.05rem;
  font-weight: 800;
  flex-shrink: 0;
  white-space: nowrap;
  letter-spacing: -.01em;
}
.logo svg { flex-shrink: 0; }
.logo .tld { color: var(--brand-mid); }

.main-nav {
  display: flex;
  align-items: center;
  gap: .125rem;
  margin-left: auto;
}
.main-nav a {
  color: var(--text-muted);
  font-size: .875rem;
  font-weight: 500;
  padding: .4rem .8rem;
  border-radius: 6px;
  transition: all var(--transition);
}
.main-nav a:hover { color: var(--brand); background: var(--brand-pale); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  margin-left: auto;
  padding: .25rem;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: all var(--transition);
}

@media (max-width: 768px) {
  .hamburger { display: flex; }
  .main-nav {
    display: none;
    position: fixed;
    top: 64px; left: 0; right: 0;
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    padding: 1rem 1.5rem;
    gap: .25rem;
    margin-left: 0;
    box-shadow: var(--shadow);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: .75rem 0; width: 100%; font-size: 1rem; }
}

/* ══════════════
   HERO
══════════════ */
.hero {
  position: relative;
  padding: 7rem 0 4rem;
  overflow: hidden;
  background: linear-gradient(160deg, #f0f7ff 0%, #e8f0fe 40%, #f8fafc 100%);
  border-bottom: 1px solid var(--border);
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: .18;
}
.orb1 { width: 700px; height: 700px; background: radial-gradient(circle, #1e40af 0%, transparent 70%); top: -300px; left: -200px; }
.orb2 { width: 400px; height: 400px; background: radial-gradient(circle, #0ea5e9 0%, transparent 70%); top: -80px; right: 0; }
.orb3 { width: 300px; height: 300px; background: radial-gradient(circle, #059669 0%, transparent 70%); bottom: -100px; right: 25%; opacity: .12; }

.hero-inner { position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .3rem .8rem;
  background: var(--brand-pale2);
  border: 1px solid #bfdbfe;
  border-radius: 100px;
  font-size: .775rem;
  font-weight: 700;
  color: var(--brand);
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: 1.25rem;
}
.hero-badge::before { content: '✦'; font-size: .6rem; }

.hero h1 {
  color: var(--navy);
  margin-bottom: 1.125rem;
  max-width: 680px;
}
.hero h1 span { color: var(--brand-mid); }

.hero-text > p {
  font-size: 1.1rem;
  color: var(--text-muted);
  max-width: 540px;
  margin-bottom: 2rem;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  flex-wrap: wrap;
}
.stat { display: flex; flex-direction: column; }
.stat-num { font-size: 1.4rem; font-weight: 800; color: var(--navy); }
.stat-label { font-size: .72rem; color: var(--text-faint); font-weight: 500; text-transform: uppercase; letter-spacing: .04em; }
.stat-divider { width: 1px; height: 32px; background: var(--border2); }

.hero-scroll-hint {
  display: flex;
  align-items: center;
  gap: .4rem;
  color: var(--text-faint);
  font-size: .8rem;
  margin-top: 2.5rem;
  animation: bounce 2s ease-in-out infinite;
}
@keyframes bounce { 0%,100%{transform:translateY(0)} 50%{transform:translateY(4px)} }

/* ══════════════
   TRUST BAR
══════════════ */
.trust-bar {
  background: var(--navy);
  padding: .875rem 0;
}
.trust-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  color: #94a3b8;
  font-size: .8rem;
  font-weight: 500;
}
.trust-item svg { opacity: .7; }
.trust-item strong { color: #e2e8f0; }

/* ══════════════
   CALCULATOR
══════════════ */
.calc-section { background: var(--bg); padding-top: 4rem; }
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: start;
}
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }

/* ── Inputs ── */
.calc-inputs { display: flex; flex-direction: column; gap: 1.2rem; }

.input-group { display: flex; flex-direction: column; gap: .35rem; }
.input-group label {
  font-size: .775rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .06em;
}
.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.input-wrap {
  display: flex;
  align-items: center;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.input-wrap:focus-within {
  border-color: var(--brand-mid);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}

.prefix, .suffix {
  padding: 0 .7rem;
  color: var(--text-faint);
  font-size: .875rem;
  font-weight: 600;
  background: var(--bg2);
  align-self: stretch;
  display: flex;
  align-items: center;
  border-right: 1.5px solid var(--border);
  flex-shrink: 0;
}
.suffix { border-right: none; border-left: 1.5px solid var(--border); }

.input-wrap input, .input-wrap select {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  color: var(--text);
  font-size: .95rem;
  font-weight: 600;
  padding: .625rem .75rem;
  font-family: var(--font);
  min-width: 0;
}
input[type=number]::-webkit-inner-spin-button,
input[type=number]::-webkit-outer-spin-button { -webkit-appearance: none; }

.select-wrap {
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.select-wrap:focus-within {
  border-color: var(--brand-mid);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}
.select-wrap select {
  width: 100%;
  background: transparent;
  border: none;
  outline: none;
  color: var(--text);
  font-size: .95rem;
  font-weight: 600;
  padding: .625rem .75rem;
  font-family: var(--font);
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M2 4l4 4 4-4' stroke='%2394a3b8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right .75rem center;
  padding-right: 2rem;
}

/* Sliders */
.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
  margin-top: .3rem;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  background: var(--brand);
  border-radius: 50%;
  border: 3px solid #fff;
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--transition);
}
.slider::-webkit-slider-thumb:hover { box-shadow: 0 0 0 4px rgba(30,64,175,.18); }
.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: .7rem;
  color: var(--text-faint);
  margin-top: .15rem;
}

/* Divider label */
.divider-label {
  font-size: .72rem;
  font-weight: 700;
  color: var(--text-faint);
  text-transform: uppercase;
  letter-spacing: .1em;
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: .2rem 0;
}
.divider-label::before, .divider-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.optional-tag {
  background: var(--bg2);
  color: var(--text-faint);
  font-size: .65rem;
  padding: .1rem .45rem;
  border-radius: 100px;
  text-transform: lowercase;
  font-weight: 500;
  letter-spacing: normal;
}

/* Loan type buttons */
.loan-type-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: .5rem; }
.loan-type-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .3rem;
  padding: .7rem .5rem;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
}
.loan-type-btn:hover { border-color: var(--brand-light); background: var(--brand-pale); }
.loan-type-btn.active {
  border-color: var(--brand);
  background: var(--brand-pale);
  box-shadow: 0 0 0 2px rgba(30,64,175,.15);
}
.lt-icon { font-size: 1.2rem; }
.lt-name { font-size: .68rem; font-weight: 700; color: var(--text-muted); }
.loan-type-btn.active .lt-name { color: var(--brand); }

/* Tooltip */
.tooltip-anchor {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px; height: 14px;
  background: var(--bg3);
  border-radius: 50%;
  font-size: .62rem;
  color: var(--text-faint);
  cursor: help;
  font-style: normal;
  border: 1px solid var(--border);
}

.calc-btn { width: 100%; margin-top: .5rem; padding: .875rem; font-size: 1rem; letter-spacing: .01em; }

/* ── Results ── */
.calc-results { display: flex; flex-direction: column; gap: 1.25rem; }

.result-summary {
  background: linear-gradient(135deg, var(--navy) 0%, var(--brand-dark) 100%);
  border: none;
  text-align: center;
  padding: 2rem;
  box-shadow: 0 4px 20px rgba(15,45,82,.25);
}
.result-label {
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,.6);
  margin-bottom: .5rem;
}
.result-amount {
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: .5rem;
}
.result-sub { font-size: .875rem; color: rgba(255,255,255,.65); }
.result-sub strong { color: #fff; }

.result-breakdown h3 { margin-bottom: 1.25rem; font-size: .95rem; color: var(--text); }
.chart-wrap {
  position: relative;
  width: 200px; height: 200px;
  margin: 0 auto 1.5rem;
}
.chart-center-text {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
  pointer-events: none;
}
#chartCenterLabel { font-size: .68rem; color: var(--text-faint); font-weight: 700; text-transform: uppercase; letter-spacing: .05em; }
#chartCenterValue { font-size: 1.05rem; font-weight: 800; color: var(--text); margin-top: .1rem; }

.breakdown-legend { display: flex; flex-direction: column; gap: .6rem; }
.legend-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: .85rem;
}
.legend-left { display: flex; align-items: center; gap: .5rem; }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.legend-label { color: var(--text-muted); }
.legend-value { font-weight: 700; color: var(--text); }
.legend-pct { font-size: .73rem; color: var(--text-faint); margin-left: .25rem; }

.result-summary-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
}
.summary-item { display: flex; flex-direction: column; gap: .2rem; }
.si-label { font-size: .72rem; color: var(--text-faint); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.si-value { font-size: .95rem; font-weight: 700; color: var(--text); }
.si-value.accent { color: var(--danger); }

/* ══════════════
   AMORTIZATION
══════════════ */
.amort-section { background: var(--bg2); }
.amort-chart-card { margin-bottom: 1.5rem; }
.amort-chart-controls {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.view-toggle {
  display: flex;
  background: var(--bg2);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.vt-btn {
  padding: .4rem .9rem;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: .85rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
}
.vt-btn.active { background: var(--brand); color: #fff; }

.amort-summary-chips { display: flex; gap: .5rem; flex-wrap: wrap; }
.chip {
  padding: .3rem .75rem;
  border-radius: 100px;
  font-size: .75rem;
  font-weight: 700;
  border: 1.5px solid;
}
.chip-principal { background: #eff6ff; border-color: #bfdbfe; color: var(--brand); }
.chip-interest  { background: #fef2f2; border-color: #fecaca; color: #dc2626; }
.chip-balance   { background: #f0fdf4; border-color: #bbf7d0; color: #059669; }

.amort-chart-wrap { height: 320px; position: relative; }

/* Table */
.table-header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .75rem;
  margin-bottom: 1.25rem;
}
.table-header-row h3 { font-size: .95rem; }
.table-controls { display: flex; gap: .5rem; }
.table-scroll { overflow-x: auto; }

.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .875rem;
}
.amort-table th {
  text-align: left;
  padding: .6rem 1rem;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--text-faint);
  font-weight: 700;
  border-bottom: 2px solid var(--border);
  background: var(--bg2);
  white-space: nowrap;
}
.amort-table td {
  padding: .65rem 1rem;
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
  white-space: nowrap;
}
.amort-table td:first-child { color: var(--text); font-weight: 700; }
.amort-table tr:hover td { background: var(--brand-pale); }
.amort-table tr:last-child td { border-bottom: none; }
.amort-table .interest-cell { color: var(--danger); font-weight: 600; }

/* ══════════════
   AFFORDABILITY
══════════════ */
.afford-section { background: var(--bg); }
.afford-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 1.5rem;
  align-items: start;
}
@media (max-width: 900px) { .afford-grid { grid-template-columns: 1fr; } }

.afford-inputs { display: flex; flex-direction: column; gap: 1.2rem; }

.afford-results { padding: 2rem; }
.afford-hero { text-align: center; margin-bottom: 2rem; padding-bottom: 2rem; border-bottom: 2px solid var(--border); }
.afford-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--text-faint); margin-bottom: .5rem; }
.afford-amount { font-size: clamp(2rem, 5vw, 2.75rem); font-weight: 800; color: var(--navy); }

.afford-bands { display: grid; grid-template-columns: repeat(3, 1fr); gap: .75rem; margin-bottom: 1.75rem; }
.band {
  padding: 1rem;
  background: var(--bg2);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  text-align: center;
  transition: all var(--transition);
}
.band.active { border-color: var(--brand); background: var(--brand-pale); }
.band-label { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--text-faint); margin-bottom: .4rem; }
.band-value { font-size: 1.05rem; font-weight: 800; color: var(--text); margin-bottom: .2rem; }
.band.active .band-value { color: var(--brand-dark); }
.band-desc { font-size: .68rem; color: var(--text-faint); }

.dti-bar-label { display: flex; justify-content: space-between; font-size: .8rem; color: var(--text-muted); margin-bottom: .4rem; }
.dti-bar-label span { font-weight: 700; color: var(--brand); }
.dti-bar { height: 8px; background: var(--bg3); border-radius: 4px; overflow: hidden; margin-bottom: .4rem; border: 1px solid var(--border); }
.dti-fill { height: 100%; background: linear-gradient(90deg, var(--accent), var(--brand-mid)); border-radius: 4px; transition: width .6s ease; }
.dti-zones { display: flex; justify-content: space-between; font-size: .7rem; color: var(--text-faint); }

/* ══════════════
   TOOLS
══════════════ */
.tools-section { background: var(--bg2); }
.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 960px) { .tools-grid { grid-template-columns: 1fr; } }

.tool-card { display: flex; flex-direction: column; gap: 1rem; }
.tool-icon { font-size: 1.75rem; }
.tool-card h3 { font-size: 1rem; color: var(--navy); }
.tool-card > p { font-size: .85rem; }
.tool-inputs { display: flex; flex-direction: column; gap: .75rem; margin-top: .25rem; }

.tool-result {
  margin-top: .5rem;
  padding: 1rem 1.25rem;
  background: var(--brand-pale);
  border: 1.5px solid var(--brand-pale2);
  border-radius: var(--radius-sm);
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.tool-result-row { display: flex; justify-content: space-between; font-size: .875rem; }
.tool-result-row span { color: var(--text-muted); }
.tool-result-row strong { color: var(--navy); font-weight: 700; }

.cmp-table { width: 100%; }
.cmp-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: .5rem;
  padding: .45rem 0;
  border-bottom: 1px solid var(--border);
  font-size: .85rem;
}
.cmp-row:last-child { border-bottom: none; }
.cmp-row span:first-child { color: var(--text-muted); }
.cmp-row span:not(:first-child) { color: var(--text); font-weight: 700; text-align: right; }
.cmp-head span { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--text-faint) !important; }

/* ══════════════
   RATES
══════════════ */
.rates-section { background: var(--bg); }
.rates-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 1rem;
}
@media (max-width: 960px) { .rates-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .rates-grid { grid-template-columns: 1fr; } }

.rate-card { padding: 1.5rem; position: relative; }
.rate-card.featured {
  border-color: var(--brand);
  background: linear-gradient(135deg, var(--brand-pale) 0%, #fff 100%);
  box-shadow: 0 4px 20px rgba(30,64,175,.12);
}
.rate-badge {
  position: absolute;
  top: -11px; left: 50%;
  transform: translateX(-50%);
  background: var(--brand);
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  padding: .2rem .7rem;
  border-radius: 100px;
  white-space: nowrap;
}
.rate-label { font-size: .78rem; font-weight: 700; color: var(--text-muted); margin-bottom: .5rem; text-transform: uppercase; letter-spacing: .04em; }
.rate-value { font-size: 2rem; font-weight: 800; color: var(--navy); margin-bottom: .35rem; }
.rate-change { font-size: .78rem; font-weight: 600; margin-bottom: .25rem; }
.rate-change.up { color: var(--danger); }
.rate-change.down { color: var(--accent); }
.rate-apr { font-size: .75rem; color: var(--text-faint); }

.rates-disclaimer { text-align: center; font-size: .78rem; color: var(--text-faint); font-style: italic; }

/* ══════════════
   FAQ
══════════════ */
.faq-section { background: var(--bg2); }
.faq-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (max-width: 768px) { .faq-grid { grid-template-columns: 1fr; } }

.faq-item { padding: 1.25rem 1.5rem; }
.faq-item summary {
  font-size: .925rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: .75rem;
  outline: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.2rem;
  color: var(--brand);
  flex-shrink: 0;
  transition: transform var(--transition);
  font-weight: 400;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p {
  font-size: .875rem;
  line-height: 1.7;
  margin-top: .875rem;
  padding-top: .875rem;
  border-top: 1px solid var(--border);
}

/* ══════════════
   FOOTER
══════════════ */
.site-footer {
  background: var(--navy);
  padding-top: 4rem;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
@media (max-width: 768px) { .footer-inner { grid-template-columns: 1fr; } }

.footer-brand .logo-footer { margin-bottom: 1rem; }
.logo-footer { color: #fff !important; }
.logo-footer .tld { color: #93c5fd !important; }
.footer-brand p { font-size: .875rem; color: #94a3b8; max-width: 300px; }

.footer-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 480px) { .footer-links { grid-template-columns: repeat(2, 1fr); } }
.footer-col { display: flex; flex-direction: column; gap: .5rem; }
.footer-col h4 { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: #64748b; margin-bottom: .25rem; }
.footer-col a { font-size: .875rem; color: #94a3b8; transition: color var(--transition); }
.footer-col a:hover { color: #e2e8f0; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.25rem 0;
}
.footer-bottom p { font-size: .78rem; color: #64748b; text-align: center; }

/* ══════════════
   ANIMATIONS
══════════════ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.calc-grid .card, .afford-grid .card { animation: fadeInUp .35s ease both; }

/* ══════════════
   SCROLLBAR
══════════════ */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--bg2); }
::-webkit-scrollbar-thumb { background: var(--border2); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--text-faint); }

/* ══════════════
   SELECTION
══════════════ */
::selection { background: var(--brand-pale2); color: var(--brand-dark); }

/* ══════════════
   NAV DROPDOWNS
══════════════ */
.nav-group { position: relative; }
.nav-dropdown-btn {
  background: none; border: none; cursor: pointer;
  color: var(--text-muted); font-size: .875rem; font-weight: 500;
  padding: .4rem .8rem; border-radius: 6px;
  transition: all var(--transition); font-family: var(--font);
}
.nav-dropdown-btn:hover { color: var(--brand); background: var(--brand-pale); }
.nav-link {
  color: var(--text-muted); font-size: .875rem; font-weight: 500;
  padding: .4rem .8rem; border-radius: 6px;
  transition: all var(--transition);
}
.nav-link:hover { color: var(--brand); background: var(--brand-pale); }
.nav-dropdown {
  display: none; position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  min-width: 220px; padding: .5rem; z-index: 200;
}
.nav-group.open .nav-dropdown { display: flex; flex-direction: column; }
.nav-dropdown a {
  padding: .55rem .875rem; border-radius: 6px;
  font-size: .875rem; color: var(--text-muted);
  transition: all var(--transition); display: block;
}
.nav-dropdown a:hover { background: var(--brand-pale); color: var(--brand); }

/* ══════════════
   HERO TILES
══════════════ */
.hero-tiles {
  display: flex; flex-wrap: wrap; gap: .625rem;
  margin-top: 2.5rem;
}
.hero-tile {
  display: flex; align-items: center; gap: .4rem;
  padding: .5rem .875rem;
  background: rgba(255,255,255,.7);
  border: 1px solid var(--border2);
  border-radius: 100px;
  font-size: .8rem; font-weight: 600; color: var(--navy);
  transition: all var(--transition);
  backdrop-filter: blur(4px);
}
.hero-tile:hover {
  background: var(--brand); color: #fff;
  border-color: var(--brand); transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(30,64,175,.2);
}
.ht-icon { font-size: 1rem; }

/* ══════════════
   CALC ACTIONS (print/share)
══════════════ */
.calc-actions { display: flex; gap: .5rem; align-items: center; }
.calc-actions .calc-btn { flex: 1; }
.btn-icon {
  display: flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; flex-shrink: 0;
  background: var(--bg2); border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); cursor: pointer;
  color: var(--text-muted); transition: all var(--transition);
}
.btn-icon:hover { background: var(--brand-pale); border-color: var(--brand); color: var(--brand); }

/* Toast */
.toast {
  position: fixed; bottom: 1.5rem; left: 50%; transform: translateX(-50%) translateY(20px);
  background: var(--navy); color: #fff; padding: .625rem 1.25rem;
  border-radius: 100px; font-size: .85rem; font-weight: 600;
  opacity: 0; transition: all .3s ease; pointer-events: none; z-index: 999;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ══════════════
   BIWEEKLY
══════════════ */
.biweekly-section { background: var(--bg2); }
.bw-results { display: flex; flex-direction: column; gap: 1.5rem; }
.bw-compare {
  display: flex; align-items: stretch; gap: 1.5rem;
}
.bw-col {
  flex: 1; display: flex; flex-direction: column; gap: .75rem;
  padding: 1.25rem; background: var(--bg2); border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
}
.bw-col.biweekly-col { background: var(--brand-pale); border-color: var(--brand); }
.bw-col-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--text-faint); }
.bw-highlight { color: var(--brand) !important; }
.bw-col-payment { font-size: 1.75rem; font-weight: 800; color: var(--navy); }
.bw-col-stat { display: flex; justify-content: space-between; font-size: .825rem; }
.bw-col-stat span { color: var(--text-muted); }
.bw-col-stat strong { color: var(--text); font-weight: 700; }
.bw-vs {
  display: flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 800; color: var(--text-faint);
  flex-shrink: 0;
}
.bw-savings-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--brand) 100%);
  border-radius: var(--radius-sm); padding: 1.25rem 1.5rem;
  display: flex; align-items: center; gap: 1.5rem; color: #fff;
}
.bws-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.65); }
.bws-amount { font-size: 1.75rem; font-weight: 800; }
.bws-time { font-size: .875rem; color: rgba(255,255,255,.75); margin-left: auto; }
.savings-text { color: var(--accent) !important; }
@media (max-width:600px){ .bw-compare{flex-direction:column;} }

/* ══════════════
   RENT VS BUY
══════════════ */
.rvb-section { background: var(--bg); }
.rvb-grid {
  display: grid; grid-template-columns: 1fr 1.2fr; gap: 1.5rem; align-items: start;
}
@media (max-width:960px){ .rvb-grid{ grid-template-columns: 1fr; } }
.rvb-inputs { display: flex; flex-direction: column; gap: 1.2rem; }
.rvb-results { padding: 1.75rem; }
.rvb-winner {
  text-align: center; padding: 1.5rem; margin-bottom: 1.5rem;
  background: linear-gradient(135deg, var(--navy), var(--brand));
  border-radius: var(--radius-sm); color: #fff;
}
.rvb-winner-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.6); margin-bottom: .4rem; }
.rvb-winner-value { font-size: 2rem; font-weight: 800; }
.rvb-winner-value.buy-wins  { color: #86efac; }
.rvb-winner-value.rent-wins { color: #fde68a; }
.rvb-winner-sub { font-size: .875rem; color: rgba(255,255,255,.7); margin-top: .25rem; }
.rvb-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.rvb-side { padding: 1rem; background: var(--bg2); border: 1.5px solid var(--border); border-radius: var(--radius-sm); }
.rvb-side h4 { font-size: .9rem; margin-bottom: .75rem; color: var(--navy); }
.rvb-row { display: flex; justify-content: space-between; font-size: .825rem; padding: .3rem 0; border-bottom: 1px solid rgba(0,0,0,.04); }
.rvb-row span { color: var(--text-muted); }
.rvb-row strong { font-weight: 700; color: var(--text); }
.total-row { border-bottom: none; margin-top: .25rem; padding-top: .5rem; border-top: 1px solid var(--border2); }
.highlight-row strong { color: var(--navy); font-size: .95rem; }
.positive-text { color: var(--accent) !important; }
@media (max-width:600px){ .rvb-breakdown{grid-template-columns:1fr;} }

/* ══════════════
   ARM
══════════════ */
.arm-section { background: var(--bg2); }
.arm-type-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: .5rem; }
.arm-results { display: flex; flex-direction: column; gap: 1.25rem; }
.arm-summary {
  display: flex; align-items: center; gap: 1rem;
  padding: 1.25rem; background: var(--bg2); border: 1.5px solid var(--border); border-radius: var(--radius-sm);
}
.arm-phase { flex: 1; text-align: center; }
.arm-phase-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text-faint); margin-bottom: .4rem; }
.arm-phase-value { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
.arm-phase-value.danger { color: var(--danger); }
.arm-phase-sub { font-size: .75rem; color: var(--text-faint); margin-top: .2rem; }
.arm-arrow { font-size: 1.5rem; color: var(--border2); flex-shrink: 0; }
.arm-stats { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
.arm-stat { padding: .75rem 1rem; background: var(--bg2); border: 1px solid var(--border); border-radius: var(--radius-sm); display: flex; flex-direction: column; gap: .2rem; }
.arm-stat span { font-size: .72rem; color: var(--text-faint); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.arm-stat strong { font-size: 1rem; font-weight: 700; color: var(--text); }
.danger-text   { color: var(--danger) !important; }
.arm-chart-wrap { height: 180px; }

/* ══════════════
   SPECIALTY LOANS
══════════════ */
.specialty-section { background: var(--bg); }
.specialty-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
@media (max-width:768px){ .specialty-grid{grid-template-columns:1fr;} }
.spec-header { display: flex; align-items: center; gap: .625rem; margin-bottom: .5rem; }
.spec-icon { font-size: 1.5rem; }
.spec-header h3 { font-size: 1rem; color: var(--navy); }

/* ══════════════
   TOOLS 3-COL
══════════════ */
.tools-grid-3col {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem;
}
@media (max-width:960px){ .tools-grid-3col{grid-template-columns:repeat(2,1fr);} }
@media (max-width:640px){ .tools-grid-3col{grid-template-columns:1fr;} }

/* Loan amount read-only display */
.loan-amt-display input[readonly] {
  background: var(--bg2);
  color: var(--brand-dark);
  font-weight: 600;
  cursor: default;
}

/* ══════════════
   COMPARE LENDERS
══════════════ */
.compare-section { background: var(--bg2); }

.compare-filters { padding: 1.75rem; margin-bottom: 1.5rem; }

.compare-filter-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem 1.25rem;
  margin-bottom: 1.25rem;
}

.compare-field > label {
  display: block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--text-muted);
  margin-bottom: .4rem;
}

.compare-actions { display: flex; flex-direction: column; gap: .5rem; justify-content: flex-end; }

.compare-loan-types {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-size: .875rem;
  color: var(--text-muted);
  cursor: pointer;
  user-select: none;
}
.checkbox-label input[type="checkbox"] { width: 16px; height: 16px; accent-color: var(--brand-mid); }
.info-tip { color: var(--text-faint); cursor: help; font-size: .8rem; }

/* Toggle group */
.toggle-group {
  display: flex;
  border: 1px solid var(--border2);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.toggle-btn {
  flex: 1;
  padding: .5rem .75rem;
  border: none;
  background: transparent;
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.toggle-btn.active { background: var(--brand-mid); color: #fff; }
.toggle-btn:hover:not(.active) { background: var(--brand-pale); color: var(--brand-mid); }

/* Sort bar */
.compare-sort-bar {
  display: flex;
  align-items: center;
  gap: .75rem;
  margin-bottom: 1rem;
  padding-bottom: .75rem;
  border-bottom: 2px solid var(--border);
  flex-wrap: wrap;
}
.sort-label { font-size: .65rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--text-faint); }
.sort-tabs { display: flex; gap: .1rem; }
.sort-tab {
  padding: .3rem .85rem;
  border: none;
  background: transparent;
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  transition: color var(--transition), border-color var(--transition);
}
.sort-tab.active { color: var(--brand-mid); border-bottom-color: var(--brand-mid); }
.sort-tab:hover:not(.active) { color: var(--text); }
.advertiser-disclosure { margin-left: auto; font-size: .75rem; }

/* Featured lender wrapper */
.featured-lender-outer {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: .75rem;
  border: 1.5px solid var(--brand-light);
}
.featured-lender-banner {
  background: linear-gradient(135deg, var(--brand), var(--brand-mid));
  color: #fff;
  padding: .55rem 1.5rem;
  font-size: .8rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: .5rem;
}
.featured-lender-outer .lender-card { border: none; border-radius: 0; margin-bottom: 0; background: var(--brand-pale); }

/* Lender card */
.lender-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem 1.5rem;
  display: grid;
  grid-template-columns: 180px 1fr 1fr 1fr 1fr auto;
  align-items: center;
  gap: 1rem;
  margin-bottom: .75rem;
  transition: box-shadow var(--transition);
}
.lender-card:hover { box-shadow: var(--shadow); }

.lender-logo-wrap { display: flex; flex-direction: column; gap: .2rem; }
.lender-logo { font-size: 1.05rem; font-weight: 800; line-height: 1.2; }
.lender-nmls { font-size: .62rem; color: var(--text-faint); }

.lender-metric { display: flex; flex-direction: column; gap: .15rem; }
.lender-metric-label { font-size: .62rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--text-faint); }
.lender-metric-value { font-size: 1.3rem; font-weight: 700; color: var(--navy); line-height: 1.1; }
.lender-metric-sub { font-size: .72rem; color: var(--text-muted); }
.lender-fees-detail { font-size: .68rem; color: var(--text-faint); }

.lender-action { display: flex; flex-direction: column; align-items: flex-end; gap: .3rem; }
.btn-view-details {
  padding: .55rem 1.15rem;
  background: var(--brand-mid);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  font-size: .875rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: background var(--transition);
}
.btn-view-details:hover { background: var(--brand-dark); }
.lender-ehl { font-size: .6rem; color: var(--text-faint); text-align: right; }

.compare-disclaimer { font-size: .72rem; text-align: center; color: var(--text-faint); margin-top: 1.5rem; }

/* btn-outline */
.btn-outline {
  padding: .65rem 1.25rem;
  background: transparent;
  border: 1.5px solid var(--brand-mid);
  color: var(--brand-mid);
  border-radius: var(--radius-sm);
  font-size: .875rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.btn-outline:hover { background: var(--brand-pale); }

@media (max-width: 1000px) {
  .compare-filter-grid { grid-template-columns: repeat(2, 1fr); }
  .lender-card { grid-template-columns: 160px 1fr 1fr 1fr; grid-template-rows: auto auto; }
  .lender-action { grid-column: 1/-1; flex-direction: row; justify-content: space-between; align-items: center; }
}
@media (max-width: 640px) {
  .compare-filter-grid { grid-template-columns: 1fr; }
  .compare-loan-types { flex-direction: column; gap: .75rem; }
  .lender-card { grid-template-columns: 1fr 1fr; }
  .lender-logo-wrap { grid-column: 1/-1; }
}

/* ══════════════
   PRINT
══════════════ */
@media print {
  .site-header,.hero,.hero-tiles,.btn-icon,.hamburger,.amort-chart-card,
  .rates-section,.faq-section,.site-footer,.calc-actions { display: none !important; }
  body { background: #fff; color: #000; }
  .card { box-shadow: none; border: 1px solid #ccc; }
}