/* Self-hosted Google Fonts (latin subset), SIL Open Font License */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../fonts/inter-567244.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../fonts/inter-567244.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../fonts/inter-567244.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/inter-567244.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Oswald';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../fonts/oswald-ed56cb.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Oswald';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../fonts/oswald-ed56cb.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Oswald';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../fonts/oswald-ed56cb.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ==========================================================================
   Mortgages with Steve — retro comic design system
   Palette and type carried over from the original site.
   ========================================================================== */

:root {
  --ink: #0E2340;          /* navy — text, borders, panels */
  --ink-2: #1B3A63;
  --blue: #2F66C8;         /* primary action */
  --blue-dark: #234FA0;
  --sky: #8CBFE7;          /* light accent */
  --red: #A6383E;          /* pop accent */
  --paper: #F4EEDF;        /* page */
  --paper-2: #F8F3E8;      /* raised panel */
  --tan: #E8DCC7;          /* rules, quiet fills */
  --muted: #4E5F74;        /* secondary text (AA on paper) */
  --white: #FFFFFF;
  --ok: #2E7D4F;
  --warn: #A6383E;

  --font-display: "Oswald", "Arial Narrow", Impact, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --radius: 6px;
  --border: 2px solid var(--ink);
  --border-thick: 3px solid var(--ink);
  --shadow: 5px 5px 0 var(--ink);
  --shadow-sm: 3px 3px 0 var(--ink);
  --shadow-lg: 8px 8px 0 var(--ink);
  --wrap: 1180px;
  --gutter: 16px;
  --header-h: 68px;
  --dots: radial-gradient(rgba(14,35,64,.13) 1px, transparent 1.4px);
  --dots-light: radial-gradient(rgba(255,255,255,.12) 1px, transparent 1.4px);
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background-color: var(--paper);
  background-image: var(--dots);
  background-size: 9px 9px;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-dark); text-underline-offset: 3px; text-decoration-thickness: 1.5px; }
a:hover { color: var(--red); }
:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; border-radius: 2px; }
.section--ink :focus-visible, .site-footer :focus-visible, .mobile-bar :focus-visible, .result-hero :focus-visible, .cta-box :focus-visible, .nav-toggle:focus-visible { outline-color: var(--sky); }
.chip-toggle input:focus-visible + span, .seg input:focus-visible + span { outline-color: var(--ink); }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; }
li { margin-bottom: .35em; }
strong { font-weight: 700; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: .01em;
  margin: 0 0 .5em;
  color: var(--ink);
  text-wrap: balance;
}
h1 { font-size: clamp(2.2rem, 7vw, 4rem); text-transform: uppercase; }
h2 { font-size: clamp(1.75rem, 4.6vw, 2.75rem); text-transform: uppercase; }
h3 { font-size: clamp(1.25rem, 2.6vw, 1.5rem); }
h4 { font-size: 1.1rem; }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  background: var(--ink); color: var(--white); padding: 10px 14px; border-radius: var(--radius);
}
.skip-link:focus { top: 12px; color: var(--white); }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: 56px 0; }
@media (min-width: 900px) { .section { padding: 88px 0; } :root { --gutter: 24px; } }
.section--ink { background-color: var(--ink); background-image: var(--dots-light); background-size: 9px 9px; color: var(--paper); }
.section--ink h2, .section--ink h3 { color: var(--white); }
.section--ink a:not(.btn) { color: var(--sky); }
.section--paper2 { background: var(--paper-2); border-top: var(--border); border-bottom: var(--border); }
.section-head { max-width: 720px; margin-bottom: 32px; }
.section-head p { font-size: 1.1rem; color: var(--muted); }
.section--ink .section-head p { color: #D9E2EE; }
.center { text-align: center; margin-left: auto; margin-right: auto; }

/* Kicker / stamp label */
.kicker {
  display: inline-block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .85rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--white);
  background: var(--red);
  padding: 4px 10px 3px;
  border: var(--border);
  box-shadow: var(--shadow-sm);
  transform: rotate(-1.5deg);
  margin-bottom: 16px;
}
.kicker--blue { background: var(--blue); }
.kicker--paper { background: var(--paper); color: var(--ink); }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--blue); --fg: var(--white);
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  min-height: 48px;
  padding: 12px 22px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.08rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-decoration: none;
  line-height: 1.15;
  color: var(--fg);
  background: var(--bg);
  border: var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, background-color .12s ease;
  -webkit-tap-highlight-color: transparent;
}
.btn:hover { color: var(--fg); background: var(--blue-dark); transform: translate(-1px,-1px); box-shadow: 4px 4px 0 var(--ink); }
.btn:active { transform: translate(3px,3px); box-shadow: 0 0 0 var(--ink); }
.btn--red { --bg: var(--red); }
.btn--red:hover { background: #8D2E33; }
.btn--ghost { --bg: var(--paper-2); --fg: var(--ink); }
.btn--ghost:hover { background: var(--white); color: var(--ink); }
.btn--sm { min-height: 40px; padding: 8px 14px; font-size: .95rem; }
.btn--block { width: 100%; }
.btn svg { width: 18px; height: 18px; flex: none; }
.btn .arrow { transition: transform .15s ease; }
.btn:hover .arrow { transform: translateX(3px); }
.section--ink .btn--ghost { --bg: var(--paper); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

.text-link {
  font-family: var(--font-display); font-weight: 600; letter-spacing: .05em; text-transform: uppercase;
  text-decoration: none; border-bottom: 2px solid currentColor; padding-bottom: 1px;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--paper);
  border-bottom: var(--border-thick);
}
.header-inner { display: flex; align-items: center; gap: 12px; height: var(--header-h); }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); margin-right: auto; min-width: 0; flex: 0 1 auto; }
.brand img { width: 74px; height: auto; flex: none; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; line-height: 1; text-transform: uppercase; letter-spacing: .02em; white-space: nowrap; }
.brand-name small { display: block; font-family: var(--font-body); font-weight: 500; font-size: .68rem; letter-spacing: .08em; color: var(--muted); margin-top: 4px; }
@media (max-width: 559px) { .brand-name small { display: none; } .brand img { width: 56px; } .brand-name { font-size: 1.02rem; } .brand { gap: 8px; } }
@media (max-width: 360px) { .brand-name { font-size: .92rem; } }

.header-call {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 700; text-decoration: none; color: var(--ink);
  padding: 8px 10px; border: var(--border); border-radius: var(--radius); background: var(--paper-2);
  min-height: 44px;
}
.header-call:hover { background: var(--white); color: var(--ink); }
.header-call svg { width: 18px; height: 18px; flex: none; }
.header-call .num { display: none; }
@media (min-width: 560px) { .header-call .num { display: inline; } }

.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border: var(--border); border-radius: var(--radius);
  background: var(--ink); color: var(--white); cursor: pointer; padding: 0;
}
.nav-toggle svg { width: 22px; height: 22px; }
.nav-toggle[aria-expanded="true"] .i-open, .nav-toggle[aria-expanded="false"] .i-close { display: none; }

.site-nav { display: none; }
.site-nav.is-open {
  display: block; position: fixed; inset: var(--header-h) 0 0 0;
  background: var(--paper); background-image: var(--dots); background-size: 9px 9px;
  overflow-y: auto; padding: 20px var(--gutter) 120px; border-top: var(--border);
}
.nav-list { list-style: none; margin: 0; padding: 0; }
.nav-list > li { margin: 0; border-bottom: 2px solid var(--tan); }
.nav-link, .nav-sub-toggle {
  display: flex; align-items: center; justify-content: space-between; width: 100%;
  font-family: var(--font-display); font-weight: 600; font-size: 1.35rem; text-transform: uppercase; letter-spacing: .04em;
  color: var(--ink); text-decoration: none; background: none; border: 0; padding: 14px 4px; cursor: pointer; text-align: left;
}
.nav-link[aria-current="page"] { color: var(--red); }
.nav-sub-toggle svg { width: 18px; height: 18px; transition: transform .2s; }
.nav-sub-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
.nav-sub { list-style: none; margin: 0 0 12px; padding: 0 0 0 8px; display: none; }
.nav-sub.is-open { display: block; }
.nav-sub a { display: block; padding: 9px 4px; color: var(--ink); text-decoration: none; font-weight: 500; }
.nav-sub a:hover { color: var(--red); }
.nav-sub .nav-sub-all { font-weight: 700; color: var(--blue-dark); }
.nav-cta { margin-top: 24px; }
.nav-cta .btn { width: 100%; }

@media (min-width: 1200px) {
  .nav-toggle { display: none; }
  .site-nav, .site-nav.is-open { display: block; position: static; padding: 0; background: none; border: 0; overflow: visible; }
  .nav-list { display: flex; align-items: center; gap: 4px; }
  .nav-list > li { border: 0; position: relative; }
  .nav-link, .nav-sub-toggle { font-size: 1rem; padding: 10px 10px; width: auto; gap: 4px; white-space: nowrap; }
  .nav-cta .btn { white-space: nowrap; }
  .header-call .num { display: none; }
  .brand-name small { display: none; }
  .nav-link:hover, .nav-sub-toggle:hover { color: var(--red); }
  .nav-sub {
    position: absolute; top: calc(100% + 8px); left: 0; min-width: 270px; padding: 10px;
    background: var(--paper-2); border: var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  }
  .nav-sub a { padding: 8px 10px; border-radius: 4px; font-size: .95rem; }
  .nav-sub a:hover { background: var(--tan); color: var(--ink); }
  .nav-cta { margin: 0 0 0 8px; }
  .nav-cta .btn { width: auto; min-height: 44px; padding: 9px 16px; font-size: .98rem; }
  .header-call { order: 3; }
}
@media (min-width: 1200px) { .brand { flex: none; margin-right: 0; } .site-nav { margin-left: auto; } .header-inner { gap: 20px; } }
@media (min-width: 1500px) { .site-header .wrap { max-width: 1320px; } .header-call .num { display: inline; } .brand-name small { display: block; } }
body.nav-open { overflow: hidden; }

/* ---------- Sticky mobile action bar ---------- */
.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px;
  padding: 10px var(--gutter) calc(10px + env(safe-area-inset-bottom));
  background: var(--ink); border-top: 3px solid var(--red);
}
.mobile-bar .btn { min-height: 46px; font-size: 1rem; padding: 8px 10px; box-shadow: none; border-color: var(--paper); }
.mobile-bar .btn--ghost { --bg: var(--paper); }
@media (min-width: 900px) { .mobile-bar { display: none; } }
@media (max-width: 899px) { body { padding-bottom: 76px; } }

/* ---------- Hero ---------- */
.hero { padding: 36px 0 48px; position: relative; overflow: hidden; }
.hero-grid { display: grid; gap: 32px; align-items: center; }
@media (min-width: 960px) { .hero { padding: 64px 0 80px; } .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 48px; } }
.hero h1 { margin-bottom: 18px; }
.hero h1 .hl { color: var(--blue); position: relative; white-space: nowrap; }
.hero h1 .hl::after { content: ""; position: absolute; left: -2px; right: -2px; bottom: .02em; height: .18em; background: var(--red); z-index: -1; transform: skew(-12deg); opacity: .85; }
.hero .lede { font-size: 1.15rem; max-width: 560px; color: var(--ink-2); }
@media (min-width: 960px) { .hero .lede { font-size: 1.25rem; } }
.hero .btn-row { margin: 26px 0 0; }

.cred-strip { list-style: none; padding: 0; margin: 26px 0 0; display: flex; flex-wrap: wrap; gap: 8px 10px; }
.cred-strip li {
  margin: 0; display: inline-flex; align-items: center; gap: 6px;
  font-size: .86rem; font-weight: 600; background: var(--paper-2);
  border: 1.5px solid var(--ink); border-radius: 999px; padding: 5px 12px;
}
.cred-strip svg { width: 15px; height: 15px; color: var(--blue); flex: none; }

.hero-art { position: relative; }
.panel {
  background: var(--paper-2); border: var(--border-thick); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.hero-art .panel { transform: rotate(1deg); }
.hero-art .panel img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }
.polaroid {
  position: absolute; left: -6px; bottom: -28px; width: 38%; max-width: 190px;
  background: var(--white); padding: 8px 8px 30px; border: var(--border); box-shadow: var(--shadow);
  transform: rotate(-5deg);
}
.polaroid img { aspect-ratio: 4/5; object-fit: cover; object-position: top; }
.polaroid span { position: absolute; left: 0; right: 0; bottom: 6px; text-align: center; font-family: var(--font-display); font-weight: 600; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; }
@media (min-width: 960px) { .polaroid { left: -40px; bottom: -44px; } }
.bubble {
  position: absolute; right: -4px; top: -18px; max-width: 220px;
  background: var(--white); border: var(--border); border-radius: 18px; padding: 10px 14px;
  font-family: var(--font-display); font-weight: 600; font-size: 1rem; line-height: 1.2; text-transform: uppercase; letter-spacing: .02em;
  box-shadow: var(--shadow-sm); transform: rotate(2deg);
}
.bubble::after {
  content: ""; position: absolute; left: 26px; bottom: -14px; width: 22px; height: 16px;
  background: var(--white); border-right: var(--border); border-bottom: var(--border);
  transform: skewX(-35deg) rotate(8deg); clip-path: polygon(0 0, 100% 0, 100% 100%);
}
@media (min-width: 960px) { .bubble { right: -18px; top: -26px; } }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 18px; }
.grid--2 { grid-template-columns: 1fr; }
.grid--3 { grid-template-columns: 1fr; }
.grid--services { grid-template-columns: repeat(2, 1fr); gap: 14px; }
@media (min-width: 700px) { .grid--2 { grid-template-columns: repeat(2, 1fr); } .grid--3 { grid-template-columns: repeat(2, 1fr); } .grid--services { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
@media (min-width: 1000px) { .grid--3 { grid-template-columns: repeat(3, 1fr); gap: 24px; } .grid--services { grid-template-columns: repeat(6, 1fr); } }

.card {
  background: var(--paper-2); border: var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 22px; position: relative;
}
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card--link { text-decoration: none; color: var(--ink); display: flex; flex-direction: column; transition: transform .15s ease, box-shadow .15s ease; }
.card--link:hover { color: var(--ink); transform: translate(-2px,-2px); box-shadow: 7px 7px 0 var(--ink); }
.card--link .text-link { margin-top: auto; align-self: flex-start; color: var(--blue-dark); }
.card-num { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--white); background: var(--ink); display: inline-flex; width: 34px; height: 34px; align-items: center; justify-content: center; border-radius: 50%; margin-bottom: 12px; }

.service-card {
  display: block; text-decoration: none; color: var(--ink);
  border: var(--border); border-radius: var(--radius); overflow: hidden; background: var(--paper-2);
  box-shadow: var(--shadow-sm); transition: transform .15s ease, box-shadow .15s ease;
}
.service-card:hover { color: var(--ink); transform: translate(-2px,-2px); box-shadow: var(--shadow); }
.service-card img { width: 100%; aspect-ratio: 3/4; object-fit: cover; border-bottom: var(--border); }
.service-card span {
  display: flex; align-items: center; justify-content: space-between; gap: 6px;
  font-family: var(--font-display); font-weight: 600; font-size: 1.02rem; text-transform: uppercase; letter-spacing: .03em; line-height: 1.15;
  padding: 10px 12px;
}
.service-card span::after { content: "→"; color: var(--red); font-family: var(--font-body); }

/* ---------- How it works ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; counter-reset: step; }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
.steps > li { margin: 0; counter-increment: step; }
.steps .card { height: 100%; padding-top: 30px; }
.steps .card::before {
  content: counter(step); position: absolute; top: -18px; left: 18px;
  width: 44px; height: 44px; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 1.4rem; color: var(--white);
  background: var(--red); border: var(--border); border-radius: 50%; box-shadow: var(--shadow-sm);
}
.section--ink .card, .section--ink .card h3 { color: var(--ink); }
.section--ink .card a:not(.btn) { color: var(--blue-dark); }

/* ---------- Split / feature ---------- */
.split { display: grid; gap: 32px; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 56px; } .split--reverse > :first-child { order: 2; } }
.checklist { list-style: none; padding: 0; margin: 0 0 1.4em; }
.checklist li { position: relative; padding-left: 32px; margin-bottom: .7em; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: .2em; width: 20px; height: 20px; border: var(--border); border-radius: 4px; background: var(--sky);
}
.checklist li::after { content: ""; position: absolute; left: 6px; top: .38em; width: 6px; height: 11px; border: solid var(--ink); border-width: 0 2.5px 2.5px 0; transform: rotate(45deg); }

/* ---------- Testimonials ---------- */
.quote-card { display: flex; flex-direction: column; }
.quote-card blockquote { margin: 0 0 16px; font-size: 1.05rem; }
.quote-card blockquote::before { content: "“"; display: block; font-family: var(--font-display); font-size: 3.5rem; line-height: .7; color: var(--red); margin-bottom: 4px; }
.quote-card cite { margin-top: auto; font-style: normal; font-weight: 700; font-size: .95rem; }
.quote-card cite span { display: block; font-weight: 500; color: var(--muted); font-size: .88rem; }
.stars { color: #D49B1E; letter-spacing: 2px; font-size: 1.05rem; margin-bottom: 6px; }
.is-placeholder { border-style: dashed !important; opacity: .85; }
.is-placeholder::after {
  content: "PLACEHOLDER — replace before launch"; position: absolute; top: -12px; right: 12px;
  font: 700 .66rem/1 var(--font-body); letter-spacing: .06em; background: #FFE58A; color: var(--ink);
  border: 1.5px solid var(--ink); padding: 4px 6px; border-radius: 3px;
}

/* ---------- Tools teaser ---------- */
.tool-card { display: flex; gap: 16px; align-items: flex-start; }
.tool-icon { flex: none; width: 54px; height: 54px; border: var(--border); border-radius: 10px; background: var(--sky); display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-sm); }
.tool-icon svg { width: 28px; height: 28px; }
.tool-card .badge { margin-left: 6px; }
.tool-card > div > .badge:first-child { display: table; margin: 0 0 8px; background: var(--sky); }
.badge { display: inline-block; font: 700 .7rem/1 var(--font-body); letter-spacing: .06em; text-transform: uppercase; padding: 4px 7px; border-radius: 3px; background: var(--tan); border: 1.5px solid var(--ink); vertical-align: middle; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; }
.cta-box {
  display: grid; gap: 24px; align-items: center;
  background: var(--blue); color: var(--white); border: var(--border-thick); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 32px 22px; background-image: var(--dots-light); background-size: 9px 9px;
}
.cta-box h2 { color: var(--white); margin-bottom: .3em; }
.cta-box p { margin: 0; font-size: 1.1rem; color: #EAF1FC; }
.cta-box .btn { --bg: var(--paper); --fg: var(--ink); }
.cta-box .btn:hover { background: var(--white); }
.cta-box .btn--red { --bg: var(--red); --fg: var(--white); }
.cta-box .btn--red:hover { background: #8D2E33; }
.cta-box .reply { font-size: .92rem; color: #DDE7F8; margin-top: 10px; }
@media (min-width: 860px) { .cta-box { grid-template-columns: 1.4fr 1fr; padding: 44px 48px; } .cta-box .btn-row { justify-content: flex-end; } .cta-box .reply { text-align: right; } }

/* ---------- Page header (inner pages) ---------- */
.page-head { padding: 36px 0 32px; border-bottom: var(--border-thick); background: var(--paper-2); }
@media (min-width: 900px) { .page-head { padding: 60px 0 52px; } }
.page-head h1 { font-size: clamp(2rem, 6vw, 3.4rem); max-width: 900px; }
.page-head .lede { font-size: 1.15rem; max-width: 720px; color: var(--ink-2); margin-bottom: 0; }
.page-head .btn-row { margin-top: 22px; }
.page-head-grid { display: grid; gap: 28px; align-items: center; }
@media (min-width: 900px) { .page-head-grid { grid-template-columns: 1.5fr 1fr; gap: 48px; } }
.page-head-art { border: var(--border-thick); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); transform: rotate(1deg); max-width: 360px; justify-self: center; width: 100%; }
.page-head-art img { width: 100%; aspect-ratio: 4/3; object-fit: cover; }
@media (max-width: 899px) { .page-head-art { display: none; } }

.crumbs { font-size: .88rem; margin-bottom: 14px; color: var(--muted); }
.crumbs ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs li { margin: 0; }
.crumbs li + li::before { content: "/"; margin-right: 6px; color: var(--tan); font-weight: 700; }
.crumbs a { color: var(--muted); }

/* ---------- Prose ---------- */
.prose { max-width: 740px; }
.prose h2 { font-size: clamp(1.5rem, 3.6vw, 2rem); margin-top: 1.6em; text-transform: none; }
.prose h3 { margin-top: 1.4em; }
.prose img { border: var(--border); border-radius: var(--radius); margin: 1.5em 0; box-shadow: var(--shadow-sm); }
.prose img[width="211"], .prose p > img.small { max-width: 211px; }
.prose ul, .prose ol { margin: 0 0 1.2em; }
.prose blockquote { margin: 1.5em 0; padding: 14px 18px; border-left: 5px solid var(--red); background: var(--paper-2); }

.note {
  font-size: .9rem; color: var(--muted); border: 1.5px dashed var(--muted); border-radius: var(--radius); padding: 12px 14px; background: rgba(255,255,255,.4);
}
.answer-box {
  background: var(--white); border: var(--border-thick); border-radius: var(--radius); box-shadow: var(--shadow); padding: 24px; position: relative;
}
.answer-box .kicker { position: absolute; top: -18px; left: 18px; margin: 0; }
.answer-box p { font-size: 1.1rem; margin: 8px 0 0; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; }
.faq details { border: var(--border); border-radius: var(--radius); background: var(--paper-2); margin-bottom: 12px; box-shadow: var(--shadow-sm); }
.faq summary {
  list-style: none; cursor: pointer; padding: 16px 52px 16px 18px; position: relative;
  font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; letter-spacing: .01em;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border: var(--border); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-body); font-weight: 700; background: var(--white); }
.faq details[open] summary::after { content: "–"; }
.faq details > div { padding: 0 18px 16px; }
.faq details > div p:last-child { margin: 0; }

/* ---------- Guide hub list ---------- */
.guide-list .card--link h3 { display: flex; gap: 10px; align-items: baseline; }
.guide-thumb { width: 100%; aspect-ratio: 16/9; object-fit: cover; border: var(--border); border-radius: 4px; margin-bottom: 14px; }

/* ---------- Forms ---------- */
.form { display: grid; gap: 16px; }
.form-row { display: grid; gap: 16px; }
@media (min-width: 640px) { .form-row--2 { grid-template-columns: 1fr 1fr; } }
.field label, .field .label { display: block; font-weight: 700; font-size: .95rem; margin-bottom: 6px; }
.field .opt { font-weight: 500; color: var(--muted); }
.field .hint { font-size: .85rem; color: var(--muted); margin-top: 5px; }
.input, .field input[type="text"], .field input[type="email"], .field input[type="tel"], .field input[type="number"], .field select, .field textarea {
  width: 100%; min-height: 48px; padding: 11px 13px;
  font: inherit; font-size: 16px; color: var(--ink);
  background: var(--white); border: var(--border); border-radius: var(--radius);
  transition: box-shadow .12s;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; box-shadow: 0 0 0 3px var(--blue); }
.field input:user-invalid, .field textarea:user-invalid, .field select:user-invalid { border-color: var(--red); }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; }
.consent input { width: 22px; height: 22px; margin-top: 2px; flex: none; accent-color: var(--blue); }
.form-status { display: none; padding: 14px 16px; border: var(--border); border-radius: var(--radius); font-weight: 600; }
.form-status.is-ok { display: block; background: #E3F2E8; }
.form-status.is-err { display: block; background: #F8E1E2; }

.contact-grid { display: grid; gap: 28px; }
@media (min-width: 960px) { .contact-grid { grid-template-columns: 1.35fr 1fr; gap: 40px; align-items: start; } }
.contact-aside .card + .card { margin-top: 20px; }
.big-phone { font-family: var(--font-display); font-weight: 700; font-size: 1.9rem; text-decoration: none; color: var(--ink); display: inline-block; margin: 4px 0 6px; }
.big-phone:hover { color: var(--red); }
.booking-frame { width: 100%; min-height: 680px; border: var(--border); border-radius: var(--radius); background: var(--white); }

/* ---------- About ---------- */
.about-photo { position: relative; max-width: 440px; margin: 0 auto; }
.about-photo .panel img { aspect-ratio: 4/5; object-fit: cover; object-position: top; }
.about-photo .comic-inset { position: absolute; right: 0; bottom: -22px; width: 38%; border: var(--border); border-radius: var(--radius); box-shadow: var(--shadow); transform: rotate(4deg); overflow: hidden; background: var(--ink); }
.about-photo .comic-inset img { aspect-ratio: 4/5; object-fit: cover; }
@media (min-width: 560px) { .about-photo .comic-inset { right: -14px; } }
.fact-list { display: grid; gap: 12px; grid-template-columns: 1fr; margin: 0; }
@media (min-width: 560px) { .fact-list { grid-template-columns: 1fr 1fr; } }
.fact-list > div { border: var(--border); border-radius: var(--radius); background: var(--paper-2); padding: 12px 14px; }
.fact-list dt { font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.fact-list dd { margin: 2px 0 0; font-weight: 700; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #D9E2EE; border-top: 4px solid var(--red); padding: 48px 0 28px; font-size: .95rem; }
.site-footer a { color: var(--white); }
.site-footer a:hover { color: var(--sky); }
.footer-grid { display: grid; gap: 28px; grid-template-columns: 1fr; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.1fr; } }
.site-footer h2 { font-size: 1rem; letter-spacing: .12em; color: var(--white); margin-bottom: 12px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { text-decoration: none; }
.footer-brand img { width: 110px; background: var(--paper); padding: 6px; border-radius: 4px; margin-bottom: 12px; }
.footer-phone { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; text-decoration: none; letter-spacing: .03em; }
.disclosure { margin-top: 36px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.18); font-size: .85rem; line-height: 1.55; color: #B9C6D6; }
.disclosure p { margin-bottom: .5em; }
.disclosure strong { color: var(--white); }

/* ---------- Calculators ---------- */
.calc { display: grid; gap: 24px; align-items: start; }
@media (min-width: 980px) { .calc { grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: 32px; } .calc-results { position: sticky; top: calc(var(--header-h) + 16px); } }
.calc-inputs { padding: 22px; }
.calc-inputs fieldset { border: 0; padding: 0; margin: 0 0 20px; }
.calc-inputs legend { font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; text-transform: uppercase; letter-spacing: .06em; padding: 0; margin-bottom: 10px; color: var(--red); }
.calc-inputs .grid-fields { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
.calc-inputs .grid-fields .full { grid-column: 1 / -1; }
@media (max-width: 420px) { .calc-inputs .grid-fields { grid-template-columns: 1fr; } }
.money-input { position: relative; }
.money-input .pre, .money-input .suf { position: absolute; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); pointer-events: none; }
.money-input .pre { left: 12px; }
.money-input .suf { right: 12px; }
.money-input input { padding-left: 26px !important; }
.money-input.has-suf input { padding-left: 13px !important; padding-right: 34px !important; }
.toggle-row { display: flex; flex-wrap: wrap; gap: 10px; }
.chip-toggle { position: relative; }
.chip-toggle input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.chip-toggle span {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 8px 14px;
  border: var(--border); border-radius: 999px; background: var(--white); font-weight: 600; font-size: .95rem; cursor: pointer; user-select: none;
}
.chip-toggle span::before { content: ""; width: 18px; height: 18px; border: var(--border); border-radius: 4px; background: var(--white); flex: none; }
.chip-toggle input:checked + span { background: var(--sky); }
.chip-toggle input:checked + span::before { background: var(--ink); box-shadow: inset 0 0 0 3px var(--white); }
.chip-toggle input:focus-visible + span { outline: 3px solid var(--ink); outline-offset: 2px; }
.seg { display: inline-flex; border: var(--border); border-radius: var(--radius); overflow: hidden; background: var(--white); }
.seg label { margin: 0; }
.seg input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.seg span { display: inline-flex; align-items: center; min-height: 44px; padding: 8px 16px; font-weight: 700; cursor: pointer; }
.seg label + label span { border-left: var(--border); }
.seg input:checked + span { background: var(--ink); color: var(--white); }
.seg input:focus-visible + span { outline: 3px solid var(--blue); outline-offset: -3px; }
details.adv { border-top: 2px solid var(--tan); padding-top: 12px; margin-top: 4px; }
details.adv summary { cursor: pointer; font-weight: 700; color: var(--blue-dark); padding: 6px 0; }
details.adv[open] summary { margin-bottom: 12px; }

.calc-results .result-hero {
  background: var(--ink); color: var(--white); border-radius: calc(var(--radius) - 2px) calc(var(--radius) - 2px) 0 0;
  padding: 22px; background-image: var(--dots-light); background-size: 9px 9px; border-bottom: var(--border);
}
.calc-results .result-hero .label { font-family: var(--font-display); font-size: .95rem; letter-spacing: .12em; text-transform: uppercase; color: var(--sky); }
.calc-results .result-hero .value { font-family: var(--font-display); font-weight: 700; font-size: clamp(2.4rem, 8vw, 3.4rem); line-height: 1.05; margin: 4px 0; }
.calc-results .result-hero .value.is-neg { color: #FF9EA3; }
.calc-results .result-hero .value.is-pos { color: #9EE6B8; }
.calc-results .result-hero .sub { color: #D9E2EE; font-size: .98rem; margin: 0; }
.calc-results .panel { box-shadow: var(--shadow-lg); }
.result-body { padding: 18px 22px 22px; }
.kv { width: 100%; border-collapse: collapse; font-size: .97rem; }
.kv th, .kv td { padding: 9px 0; border-bottom: 1.5px solid var(--tan); text-align: left; vertical-align: top; }
.kv td { text-align: right; font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; padding-left: 12px; }
.kv th { font-weight: 500; }
.kv tr.total th, .kv tr.total td { border-bottom: 0; border-top: 2px solid var(--ink); font-weight: 700; padding-top: 11px; }
.kv .neg { color: var(--ok); }
.kv--facts th { font-weight: 700; width: 34%; padding-right: 16px; }
.kv--facts td { text-align: left; font-weight: 400; white-space: normal; padding-left: 0; }
@media (max-width: 599px) { .kv--facts, .kv--facts tbody, .kv--facts tr, .kv--facts th, .kv--facts td { display: block; width: auto; } .kv--facts th { border-bottom: 0; padding-bottom: 0; } .kv--facts td { padding-top: 2px; } }
.kv-title { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; letter-spacing: .06em; text-transform: uppercase; margin: 18px 0 4px; }
.flag { margin-top: 14px; padding: 12px 14px; border: var(--border); border-radius: var(--radius); background: #FFF5D6; font-size: .93rem; }
.flag--info { background: #E6F0FB; }
.flag--bad { background: #F8E1E2; }
.flag strong { display: block; margin-bottom: 2px; }
.meter { margin: 14px 0 6px; }
.meter-row { display: grid; grid-template-columns: 52px 1fr 56px; gap: 10px; align-items: center; font-size: .9rem; margin-bottom: 8px; font-weight: 700; }
.meter-track { position: relative; height: 16px; border: var(--border); border-radius: 999px; background: var(--white); overflow: hidden; }
.meter-fill { position: absolute; inset: 0 auto 0 0; background: var(--blue); border-right: 2px solid var(--ink); transition: width .3s; }
.meter-fill.is-limit { background: var(--red); }
.meter-cap { position: absolute; top: -3px; bottom: -3px; width: 0; border-left: 2px dashed var(--ink); }
.calc-cta { margin-top: 18px; padding: 16px; border: var(--border); border-radius: var(--radius); background: var(--paper); display: grid; gap: 10px; }
.calc-cta p { margin: 0; font-weight: 600; }
.calc-disclaimer { font-size: .84rem; color: var(--muted); margin-top: 14px; line-height: 1.5; }
.chart { width: 100%; height: auto; display: block; margin: 8px 0 4px; }
.chart text { font-family: var(--font-body); font-size: 11px; fill: var(--muted); }
.legend { display: flex; flex-wrap: wrap; gap: 14px; font-size: .88rem; font-weight: 600; }
.legend i { display: inline-block; width: 14px; height: 4px; border-radius: 2px; vertical-align: middle; margin-right: 6px; }
.assumptions { font-size: .9rem; }
.assumptions li { margin-bottom: .5em; }
.debt-row { display: grid; grid-template-columns: 1.2fr .8fr 1fr auto; gap: 8px; align-items: end; margin-bottom: 10px; }
.debt-row .field label { font-size: .8rem; }
.debt-row button { min-height: 48px; width: 44px; border: var(--border); border-radius: var(--radius); background: var(--white); cursor: pointer; font-size: 1.2rem; font-weight: 700; }
@media (max-width: 520px) { .debt-row { grid-template-columns: 1fr 1fr; } .debt-row .field:first-child { grid-column: 1 / -1; } }

/* ---------- 404 ---------- */
.big-404 { font-family: var(--font-display); font-weight: 700; font-size: clamp(5rem, 22vw, 11rem); line-height: .9; color: var(--blue); text-shadow: 6px 6px 0 var(--ink); margin: 0 0 12px; }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0 !important; } .mb-0 { margin-bottom: 0 !important; }
.mt-2 { margin-top: 24px; } .mt-3 { margin-top: 36px; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.nowrap { white-space: nowrap; }
@media print { .site-header, .mobile-bar, .site-footer, .cta-band { display: none !important; } body { background: #fff; } }

.err-banner { margin-bottom: 18px; }

/* Question-and-answer blocks (first H2 on content pages) */
.answer-strip { padding: 40px 0 8px; }
@media (min-width: 900px) { .answer-strip { padding: 56px 0 8px; } }
.answer-box .q-title { font-size: clamp(1.35rem, 3.4vw, 1.85rem); text-transform: none; letter-spacing: .005em; margin: 0 0 .5em; }
.answer-box .q-title::before { content: "Q."; color: var(--red); margin-right: .35em; }
.answer-box p { font-size: 1.06rem; }
.answer-box p + p { margin-top: 12px; }
.byline { font-size: .95rem !important; color: var(--muted) !important; margin: 14px 0 0; }
.page-head .lede + .byline { margin-top: 12px; }
.hero + .answer-strip { padding-top: 0; }
.byline time { white-space: nowrap; }
.apply-note { font-size: .9rem; color: var(--muted); margin: 12px 0 0; max-width: 560px; }
.page-head .btn-row + .apply-note { margin-top: 10px; }
.comic-punch { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.3rem, 3vw, 1.6rem); text-transform: uppercase; letter-spacing: .02em; color: var(--red); line-height: 1.2; margin-top: 4px; }
.stat-row { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); margin-bottom: 10px; }
.stat { background: var(--ink); color: var(--white); border: var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 16px 18px; display: flex; flex-direction: column; gap: 2px; background-image: var(--dots-light); background-size: 9px 9px; }
.stat-num { font-family: var(--font-display); font-weight: 700; font-size: clamp(2rem, 5vw, 2.6rem); line-height: 1; color: var(--sky); font-variant-numeric: tabular-nums; }
.stat-label { font-weight: 600; font-size: .95rem; color: #D9E2EE; }
@media (max-width: 599px) { .stat-row { grid-template-columns: 1fr; gap: 10px; } .stat { flex-direction: row; align-items: baseline; gap: 12px; padding: 12px 16px; } .stat-num { font-size: 2rem; min-width: 5.2ch; } }