/* Boat Payment Calculator — Home
   Tokens and rules: DESIGN.md */

:root {
  /* Palette */
  --color-forest-ink: #163300;
  --color-lime: #9fe870;
  --color-lime-hover: #8fd85f;
  --color-spruce: #054d28;
  --color-mint-wash: #e2f6d5;
  --color-harbor-blue: #0b4c72;
  --color-signal-red: #cb272f;
  --color-obsidian: #0e0f0c;
  --color-charcoal: #454745;
  --color-slate: #6a6c6a;
  --color-pebble: #868685;
  --color-fog: #e8ebe6;
  --color-paper: #ffffff;

  /* Semantic */
  --color-text-heading: var(--color-obsidian);
  --color-text-body: var(--color-charcoal);
  --color-text-muted: var(--color-slate);
  --color-border: var(--color-pebble);
  --color-border-subtle: rgba(14, 15, 12, 0.12);
  --color-action: var(--color-lime);
  --color-action-text: var(--color-forest-ink);
  --color-focus: var(--color-forest-ink);
  --color-error: var(--color-signal-red);
  --color-success: var(--color-spruce);
  --color-info: var(--color-harbor-blue);

  /* Type */
  --font-display: 'Inter', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --text-display: clamp(40px, 6vw, 72px);
  --text-h1: clamp(36px, 4.5vw, 56px);
  --text-figure: clamp(44px, 5vw, 64px);
  --text-h2: clamp(28px, 3vw, 40px);
  --text-h3: 20px;
  --text-body-lg: 18px;
  --text-body: 16px;
  --text-label: 14px;
  --text-caption: 13px;
  --text-eyebrow: 13px;

  /* Spacing */
  --space-4: 4px;  --space-8: 8px;   --space-12: 12px; --space-16: 16px;
  --space-20: 20px; --space-24: 24px; --space-32: 32px; --space-40: 40px;
  --space-48: 48px; --space-64: 64px; --space-80: 80px; --space-96: 96px;
  --space-element: 12px;
  --space-card: 24px;
  --space-section: 80px;
  --gutter: 24px;

  --page-max-width: 1200px;
  --header-height: 72px;

  /* Radius */
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 28px;
  --radius-pill: 9999px;

  /* Elevation */
  --shadow-hairline: 0 0 0 1px rgba(14, 15, 12, 0.12);
  --shadow-panel: 0 6px 20px rgba(0, 0, 0, 0.08);

  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

@media (max-width: 639px) {
  :root {
    --space-section: 56px;
    --gutter: 16px;
  }
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-height) + 16px); -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--color-paper);
  color: var(--color-text-body);
  font-family: var(--font-body);
  font-size: var(--text-body);
  line-height: 1.5;
  font-feature-settings: "calt";
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3 { color: var(--color-text-heading); margin: 0; }
h1 { font-family: var(--font-display); font-size: var(--text-h1); font-weight: 900; line-height: 1.0; letter-spacing: -0.03em; }
h2 { font-family: var(--font-display); font-size: var(--text-h2); font-weight: 800; line-height: 1.1; letter-spacing: -0.02em; }
h3 { font-size: var(--text-h3); font-weight: 700; line-height: 1.3; letter-spacing: -0.01em; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
dl, dd { margin: 0; }
a { color: inherit; }
img { max-width: 100%; display: block; }
/* Grid children may shrink below their content's intrinsic width (prevents horizontal overflow) */
.hero-grid > *, .calc-grid > *, .split > *, .faq-grid > *, .dark-card > *, .footer-top > *,
.term-grid > *, .path-grid > *, .guide-grid > *, .tool-grid > *, .afford-inputs > *, .advanced-panel > * { min-width: 0; }
[hidden] { display: none !important; }

:focus-visible { outline: 2px solid var(--color-focus); outline-offset: 2px; border-radius: 4px; }
.section-dark :focus-visible, .site-footer :focus-visible { outline-color: var(--color-lime); }

.icon { width: 24px; height: 24px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; }
.icon-sm { width: 18px; height: 18px; }
.icon-lg { width: 32px; height: 32px; }

.skip-link { position: absolute; left: 16px; top: -100px; z-index: 100; background: var(--color-forest-ink); color: var(--color-paper); padding: 12px 16px; border-radius: var(--radius-md); }
.skip-link:focus { top: 16px; }

.container { width: 100%; max-width: calc(var(--page-max-width) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.container.narrow { max-width: calc(800px + var(--gutter) * 2); }
.center { text-align: center; }

.eyebrow { font-size: var(--text-eyebrow); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--color-spruce); margin-bottom: var(--space-12); }
.eyebrow-on-dark { color: var(--color-lime); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 24px;
  border-radius: var(--radius-pill); border: 1px solid transparent;
  font: 600 16px/1 var(--font-body); text-decoration: none; cursor: pointer;
  transition: background-color 150ms var(--ease), border-color 150ms var(--ease);
  white-space: nowrap;
}
.btn-sm { min-height: 44px; padding: 0 20px; }
.btn-block { width: 100%; }
.btn-primary { background: var(--color-action); color: var(--color-action-text); }
.btn-primary:hover { background: var(--color-lime-hover); }
.btn-secondary { background: var(--color-paper); color: var(--color-forest-ink); border-color: var(--color-forest-ink); }
.btn-secondary:hover { background: var(--color-mint-wash); }

.text-link {
  display: inline-flex; align-items: center; gap: 6px; min-height: 44px;
  color: var(--color-forest-ink); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px;
}
.text-link:hover { text-decoration-thickness: 2px; }
.text-link .icon { transition: transform 150ms var(--ease); }
.text-link:hover .icon, .tool-card:hover .text-link .icon, .guide-card:hover .text-link .icon { transform: translateX(3px); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--color-paper);
  border-bottom: 1px solid transparent;
  transition: border-color 150ms var(--ease);
}
.site-header.is-scrolled { border-bottom-color: var(--color-border-subtle); }
.header-inner { display: flex; align-items: center; gap: 24px; height: var(--header-height); }

.wordmark { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--color-forest-ink); font-weight: 800; font-size: 18px; letter-spacing: -0.01em; }
.wordmark .icon { width: 36px; height: 18px; fill: currentColor; stroke: none; }
.wordmark-on-dark { color: var(--color-lime); }

.main-nav { margin-left: auto; }
.main-nav ul { display: flex; gap: 4px; }
.main-nav a {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 14px;
  border-radius: var(--radius-pill); text-decoration: none; color: var(--color-charcoal); font-weight: 500;
}
.main-nav a:hover { background: var(--color-mint-wash); color: var(--color-forest-ink); }
/* Active section (DESIGN.md §5.2): Forest Ink, bold, 2px underline; not color alone */
.main-nav a[aria-current="page"] { position: relative; color: var(--color-forest-ink); font-weight: 700; }
.main-nav a[aria-current="page"]::after { content: ""; position: absolute; left: 14px; right: 14px; bottom: 6px; height: 2px; border-radius: 2px; background: var(--color-forest-ink); }
.main-nav a[aria-current="page"]:hover { background: var(--color-mint-wash); }
.mobile-menu a[aria-current="page"] { color: var(--color-forest-ink); box-shadow: inset 4px 0 0 var(--color-lime); padding-left: 14px; }

.menu-toggle {
  display: none; margin-left: auto; width: 44px; height: 44px; align-items: center; justify-content: center;
  border: 0; background: transparent; color: var(--color-forest-ink); border-radius: var(--radius-pill); cursor: pointer;
}
.mobile-menu { border-top: 1px solid var(--color-border-subtle); padding: 8px var(--gutter) 24px; background: var(--color-paper); }
.mobile-menu ul { display: grid; margin-bottom: 16px; }
.mobile-menu a:not(.btn) { display: flex; align-items: center; min-height: 52px; text-decoration: none; font-size: 18px; font-weight: 600; color: var(--color-obsidian); border-bottom: 1px solid var(--color-border-subtle); }
.mobile-menu .mobile-menu-utility a { font-size: 16px; font-weight: 500; color: var(--color-charcoal); }

@media (max-width: 1023px) {
  .main-nav, .header-cta { display: none; }
  .menu-toggle { display: inline-flex; }
}
@media (min-width: 1024px) {
  .mobile-menu { display: none !important; }
}

/* ---------- Sections ---------- */
.section { padding: var(--space-section) 0; }
/* Works alone or with .section: no top padding (follows a hero/heading), full bottom spacing */
.section-tight { padding-top: 0; padding-bottom: var(--space-section); }
/* Prose block inside a full-width container: keep it left-aligned with the cards, limit line length */
.container.prose { max-width: calc(var(--page-max-width) + var(--gutter) * 2); }
.container.prose > * { max-width: 720px; }
.section-fog { background: var(--color-fog); }
.section-dark { background: var(--color-forest-ink); color: var(--color-paper); }
.section-head { max-width: 760px; margin-bottom: var(--space-40); }
.section-head h2 + .section-intro { margin-top: var(--space-16); }
.section-intro { font-size: var(--text-body-lg); line-height: 1.55; color: var(--color-charcoal); }
.container > h2 + .section-intro { margin-top: var(--space-16); }
.section-cta { margin-top: var(--space-40); display: flex; justify-content: center; }
.section-cta.left { justify-content: flex-start; }

/* ---------- Photography ---------- */
.site-image {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
  object-position: center;
  background: var(--color-fog);
  border-radius: var(--radius-lg);
}
.img-xl { border-radius: var(--radius-xl); }
.img-card-top { border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
.img-on-dark { background: rgba(255,255,255,0.08); }

/* ---------- Hero + calculator ---------- */
.hero { padding: var(--space-48) 0 var(--space-64); }
.hero-grid { display: grid; grid-template-columns: 4fr 8fr; gap: var(--space-40); align-items: start; }
.hero-intro { padding-top: var(--space-16); }
.hero-intro h1 { margin-bottom: var(--space-20); }
.lead { font-size: var(--text-body-lg); line-height: 1.55; color: var(--color-charcoal); max-width: 440px; }
.img-hero { margin-top: var(--space-32); border-radius: var(--radius-xl); }

.calc-panel {
  background: var(--color-paper);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-panel), var(--shadow-hairline);
  padding: var(--space-32);
}
.calc-title { font-size: 24px; font-weight: 800; letter-spacing: -0.015em; margin-bottom: var(--space-24); }
.calc-grid { display: grid; grid-template-columns: 7fr 5fr; gap: var(--space-32); align-items: start; }

@media (max-width: 1023px) {
  .hero { padding-top: var(--space-32); }
  .hero-grid { grid-template-columns: 1fr; gap: var(--space-32); }
  .hero-intro { padding-top: 0; }
  .lead { max-width: 640px; }
  .img-hero { display: none; }
}
@media (max-width: 767px) {
  .calc-grid { grid-template-columns: 1fr; }
}
@media (max-width: 639px) {
  .calc-panel { padding: var(--space-20); border-radius: var(--radius-lg); }
}

/* ---------- Form fields ---------- */
.calc-inputs { display: grid; gap: var(--space-24); }
/* align-content: start keeps label + input pinned to the top when a sibling field in the same row is taller */
.field { display: grid; gap: 8px; align-content: start; }
.field label, .field .label { font-size: var(--text-label); font-weight: 600; color: var(--color-charcoal); }

.input-wrap {
  position: relative; display: flex; align-items: center;
  height: 52px; padding: 0 16px; gap: 6px;
  background: var(--color-paper);
  border: 1px solid var(--color-pebble);
  border-radius: var(--radius-md);
  transition: border-color 150ms var(--ease), box-shadow 150ms var(--ease);
}
.input-wrap:hover { border-color: var(--color-charcoal); }
.input-wrap:focus-within { border-color: var(--color-forest-ink); box-shadow: inset 0 0 0 1px var(--color-forest-ink); }
.input-wrap input, .input-wrap select {
  flex: 1; min-width: 0; width: 100%; height: 100%; border: 0; outline: 0; background: transparent;
  font: 500 18px/1 var(--font-body); color: var(--color-charcoal);
  font-variant-numeric: tabular-nums;
}
.input-wrap input:focus-visible, .input-wrap select:focus-visible { outline: none; }
.adorn { color: var(--color-slate); font-size: 16px; font-weight: 500; }
.field.has-error .input-wrap { border-color: var(--color-error); box-shadow: inset 0 0 0 1px var(--color-error); }

.select-wrap select { appearance: none; -webkit-appearance: none; cursor: pointer; padding-right: 24px; }
.select-chevron { position: absolute; right: 14px; pointer-events: none; color: var(--color-slate); }

.field-help { font-size: var(--text-caption); color: var(--color-slate); }
.field-error { display: flex; align-items: center; gap: 6px; font-size: var(--text-caption); font-weight: 500; color: var(--color-error); }

/* Slider */
.slider {
  -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; margin: 0; cursor: pointer;
  --fill: 50%;
}
.slider::-webkit-slider-runnable-track {
  height: 6px; border-radius: var(--radius-pill);
  background: linear-gradient(to right, var(--color-lime) var(--fill), var(--color-fog) var(--fill));
}
.slider::-moz-range-track { height: 6px; border-radius: var(--radius-pill); background: var(--color-fog); }
.slider::-moz-range-progress { height: 6px; border-radius: var(--radius-pill); background: var(--color-lime); }
.slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%;
  background: var(--color-paper); border: 2px solid var(--color-forest-ink);
}
.slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--color-paper); border: 2px solid var(--color-forest-ink); }

/* Segmented */
.segmented {
  display: flex; flex-wrap: nowrap; gap: 4px; padding: 4px;
  background: var(--color-fog); border-radius: var(--radius-pill);
}
.segmented button {
  flex: 1 1 auto; min-height: 40px; padding: 0 10px; white-space: nowrap;
  border: 0; border-radius: var(--radius-pill); background: transparent;
  font: 500 15px/1 var(--font-body); color: var(--color-charcoal); cursor: pointer;
  transition: background-color 150ms var(--ease);
}
.segmented button:hover { background: rgba(255,255,255,0.7); }
.segmented button[aria-checked="true"] { background: var(--color-lime); color: var(--color-forest-ink); font-weight: 600; }
@media (max-width: 639px) {
  .segmented button { min-height: 44px; padding: 0 6px; font-size: 14px; }
}

/* Advanced */
.advanced { border-top: 1px solid var(--color-border-subtle); padding-top: var(--space-8); }
.advanced-toggle {
  display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0;
  border: 0; background: transparent; cursor: pointer;
  font: 600 16px/1 var(--font-body); color: var(--color-forest-ink); text-decoration: underline; text-underline-offset: 3px;
}
.advanced-toggle .icon { transition: transform 200ms var(--ease); }
.advanced-toggle[aria-expanded="true"] .icon { transform: rotate(180deg); }
.advanced-panel { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-20) var(--space-16); align-items: start; padding-top: var(--space-12); }
@media (max-width: 479px) { .advanced-panel { grid-template-columns: 1fr; } }

/* ---------- Result card ---------- */
.result-card {
  background: var(--color-mint-wash);
  border-radius: var(--radius-lg);
  padding: var(--space-24);
  position: sticky; top: calc(var(--header-height) + 16px);
}
.result-label { font-size: var(--text-label); font-weight: 600; color: var(--color-charcoal); }
.result-figure { margin-top: 6px; display: flex; align-items: baseline; flex-wrap: wrap; }
#r-payment { font-family: var(--font-display); font-size: var(--text-figure); font-weight: 800; letter-spacing: -0.02em; line-height: 1; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.result-unit { font-size: var(--text-body-lg); color: var(--color-slate); margin-left: 4px; }
.result-note { margin-top: 8px; font-size: var(--text-caption); color: var(--color-charcoal); }

.result-list { margin-top: var(--space-20); border-top: 1px solid rgba(22, 51, 0, 0.15); }
.result-list > div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid rgba(22, 51, 0, 0.15); }
.result-list dt { font-size: 15px; color: var(--color-charcoal); }
.result-list dd { font-weight: 600; color: var(--color-obsidian); font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap; }

.split-bar { display: flex; height: 10px; margin-top: var(--space-20); border-radius: var(--radius-pill); overflow: hidden; background: var(--color-paper); }
.split-principal { background: var(--color-spruce); transition: width 300ms var(--ease); }
.split-interest { background: var(--color-harbor-blue); transition: width 300ms var(--ease); }
.split-legend { display: flex; gap: 16px; margin-top: 10px; font-size: var(--text-caption); color: var(--color-charcoal); }
.split-legend li { display: inline-flex; align-items: center; gap: 6px; }
.split-legend strong { font-weight: 600; font-variant-numeric: tabular-nums; }
.dot { width: 10px; height: 10px; border-radius: 50%; }
.dot-principal { background: var(--color-spruce); }
.dot-interest { background: var(--color-harbor-blue); }

.result-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; margin-top: var(--space-24); }

.disclaimer, .info-note { display: flex; gap: 8px; font-size: var(--text-caption); line-height: 1.5; color: var(--color-slate); }
.disclaimer { margin-top: var(--space-20); color: var(--color-charcoal); }
.disclaimer .icon, .info-note .icon { margin-top: 1px; }

.flash { animation: flash 600ms var(--ease); }
@keyframes flash { 0% { background-color: var(--color-mint-wash); } 100% { background-color: transparent; } }

@media (max-width: 767px) {
  .result-card { position: static; }
}

/* ---------- Scenario ---------- */
/* Stat tiles: 4 columns desktop, 2 tablet/mobile. 1px gaps over a tinted background draw the dividers. */
.scenario-card {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
  background: rgba(14,15,12,0.1); border-radius: var(--radius-lg); overflow: hidden;
}
.scenario-card > div {
  display: flex; flex-direction: column; gap: 6px;
  background: var(--color-fog); padding: var(--space-24);
}
.scenario-card > div.flash { animation: flash-tile 600ms var(--ease); }
@keyframes flash-tile { 0% { background-color: var(--color-mint-wash); } 100% { background-color: var(--color-fog); } }
.scenario-card dt { font-size: var(--text-label); color: var(--color-charcoal); }
.scenario-card dd { font-size: 24px; font-weight: 700; letter-spacing: -0.01em; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.scenario-card > div.is-key { background: var(--color-mint-wash); }
.scenario-card > div.is-key.flash { animation: none; }
@media (max-width: 1023px) {
  .scenario-card { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 479px) {
  .scenario-card > div { padding: var(--space-16); }
  .scenario-card dd { font-size: 20px; }
}

/* ---------- Guided journey (steps 1–2–3) ---------- */
.journey-num {
  display: inline-flex; align-items: center; justify-content: center; flex: none;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--color-lime); color: var(--color-forest-ink);
  font-size: 13px; font-weight: 800; font-variant-numeric: tabular-nums;
}
.journey { display: grid; gap: 4px; margin-top: var(--space-24); }
.journey a {
  display: inline-flex; align-items: center; gap: 12px; min-height: 40px;
  text-decoration: none; font-weight: 600; color: var(--color-forest-ink);
}
.journey a:hover span:last-child { text-decoration: underline; text-underline-offset: 3px; }
.journey li:not(:first-child) .journey-num { background: var(--color-mint-wash); }
@media (max-width: 1023px) {
  .journey { grid-template-columns: repeat(3, auto); justify-content: start; gap: 4px 20px; }
}
@media (max-width: 559px) {
  .journey { grid-template-columns: 1fr; }
}

.step-label {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: var(--space-12);
  font-size: var(--text-eyebrow); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--color-spruce);
}
.step-label-on-dark { color: var(--color-lime); }
.calc-panel .step-label { margin-bottom: 8px; }

/* ---------- Results (step 2) ---------- */
.results-head { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 16px; }
.icon-up { transform: rotate(180deg); }
.results-context {
  margin-top: var(--space-16); font-size: var(--text-body-lg); color: var(--color-charcoal);
}
.results-context strong { color: var(--color-obsidian); font-variant-numeric: tabular-nums; }

.tabs {
  display: inline-flex; gap: 4px; padding: 4px; margin: var(--space-32) 0 var(--space-24);
  background: var(--color-paper); border-radius: var(--radius-pill); box-shadow: var(--shadow-hairline);
  max-width: 100%;
}
.tabs [role="tab"] {
  min-height: 44px; padding: 0 20px; border: 0; border-radius: var(--radius-pill); background: transparent;
  font: 600 15px/1 var(--font-body); color: var(--color-charcoal); cursor: pointer; white-space: nowrap;
  transition: background-color 150ms var(--ease);
}
.tabs [role="tab"]:hover { background: var(--color-mint-wash); }
.tabs [role="tab"][aria-selected="true"] { background: var(--color-forest-ink); color: var(--color-paper); }
.panel-intro { color: var(--color-charcoal); margin-bottom: var(--space-20); }
.tab-panel:focus-visible { outline-offset: 8px; }
.panel-link { margin-top: var(--space-16); }

.results .scenario-card > div { background: var(--color-paper); }
.results .scenario-card > div.is-key { background: var(--color-mint-wash); }
.results .scenario-card > div.flash { animation: flash-tile-paper 600ms var(--ease); }
@keyframes flash-tile-paper { 0% { background-color: var(--color-mint-wash); } 100% { background-color: var(--color-paper); } }

.next-step {
  margin-top: var(--space-40); padding: var(--space-24) var(--space-32);
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 12px var(--space-24);
  background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline);
}
.step-label-inline { margin: 0; }
.next-step-copy { color: var(--color-charcoal); }
.next-step-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; }
@media (max-width: 1023px) {
  .next-step { grid-template-columns: 1fr; padding: var(--space-24); }
}

/* ---------- Term comparison ---------- */
.term-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-24); }
.term-card {
  position: relative; background: var(--color-paper); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-hairline); padding: var(--space-24); border: 2px solid transparent;
}
.term-card.is-current { border-color: var(--color-forest-ink); }
.term-tag {
  position: absolute; top: 20px; right: 20px;
  font-size: 12px; font-weight: 600; padding: 6px 12px; border-radius: var(--radius-pill);
  background: var(--color-mint-wash); color: var(--color-forest-ink);
}
.term-payment { margin: var(--space-16) 0 var(--space-16); }
.term-payment span { font-size: 28px; font-weight: 800; letter-spacing: -0.02em; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.term-payment small { font-size: 15px; color: var(--color-slate); }
.term-card dl > div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-top: 1px solid var(--color-border-subtle); font-size: 15px; }
.term-card dd { font-weight: 600; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.info-note {
  margin-top: var(--space-24); padding: 14px 16px; background: var(--color-paper);
  border-left: 3px solid var(--color-info); border-radius: 0 var(--radius-md) var(--radius-md) 0;
  color: var(--color-charcoal); font-size: 15px;
}
.info-note .icon { color: var(--color-info); }
@media (max-width: 767px) { .term-grid { grid-template-columns: 1fr; } }

/* ---------- Affordability ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-64); align-items: center; }
.split-main h2 { margin-bottom: var(--space-16); }
.afford-tool { margin-top: var(--space-32); background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); padding: var(--space-24); }
.afford-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16); }
.afford-result {
  margin-top: var(--space-24); padding: var(--space-20); border-radius: var(--radius-md); background: var(--color-mint-wash);
  display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 12px;
}
.afford-figure { font-size: 36px; font-weight: 800; letter-spacing: -0.02em; color: var(--color-obsidian); font-variant-numeric: tabular-nums; line-height: 1.1; margin-top: 4px; }
.afford-sub { font-size: 15px; color: var(--color-charcoal); }
.afford-sub strong { color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
@media (max-width: 1023px) {
  .split { grid-template-columns: 1fr; gap: var(--space-40); }
  .split-media { max-width: 480px; }
}
@media (max-width: 479px) { .afford-inputs { grid-template-columns: 1fr; } }

/* ---------- Tool cards ---------- */
/* Fixed 3 / 2 / 1 columns so 6 calculators always form complete rows (no 4 + 2 orphans) */
.tool-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-24); }
@media (max-width: 1023px) { .tool-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 639px) { .tool-grid { grid-template-columns: minmax(0, 1fr); } }
.tool-card {
  display: flex; flex-direction: column; gap: 12px;
  background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline);
  padding: var(--space-24); text-decoration: none; color: inherit; border: 1px solid transparent;
  transition: border-color 150ms var(--ease);
}
.tool-card:hover { border-color: var(--color-forest-ink); }
.tool-card .icon-lg { color: var(--color-forest-ink); margin-bottom: 4px; }
.tool-card p { color: var(--color-charcoal); flex: 1; }
.tool-card .text-link { min-height: 0; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-32); counter-reset: none; }
.steps li { position: relative; }
.step-num {
  display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px;
  border-radius: 50%; background: var(--color-lime); color: var(--color-forest-ink); font-weight: 800;
  position: relative; z-index: 1;
}
.steps li:not(:last-child)::after {
  content: ""; position: absolute; top: 20px; left: 52px; right: -20px; height: 1px; background: var(--color-pebble);
}
.steps h3 { margin: var(--space-20) 0 8px; }
.steps p { color: var(--color-charcoal); }
@media (max-width: 1023px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .steps li::after { display: none; }
}
@media (max-width: 639px) { .steps { grid-template-columns: 1fr; gap: var(--space-24); } }

/* ---------- Path cards ---------- */
.path-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-24); }
.path-card { background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); overflow: hidden; display: flex; flex-direction: column; }
.path-body { padding: var(--space-24); display: flex; flex-direction: column; gap: 10px; flex: 1; }
.path-body p { color: var(--color-charcoal); flex: 1; }
.path-body .text-link { min-height: 0; margin-top: 4px; }
@media (max-width: 1023px) { .path-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 559px) { .path-grid { grid-template-columns: 1fr; } }

/* ---------- Guides ---------- */
.guide-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-24); }
.guide-card { display: flex; flex-direction: column; gap: 12px; text-decoration: none; color: inherit; }
.guide-card .tag { align-self: flex-start; margin-top: 4px; }
.guide-card h3 { font-size: 18px; }
.guide-card:hover h3 { text-decoration: underline; text-underline-offset: 3px; }
.guide-card .text-link { min-height: 0; }
.tag { display: inline-flex; font-size: 13px; font-weight: 600; padding: 6px 12px; border-radius: var(--radius-pill); background: var(--color-mint-wash); color: var(--color-forest-ink); }
.guide-list { margin-top: var(--space-40); display: grid; grid-template-columns: 1fr 1fr; gap: 0 var(--space-40); border-top: 1px solid var(--color-border-subtle); }
.guide-list a {
  display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 56px;
  border-bottom: 1px solid var(--color-border-subtle); text-decoration: none; font-weight: 600; color: var(--color-obsidian);
}
.guide-list a .icon { color: var(--color-forest-ink); transition: transform 150ms var(--ease); }
.guide-list a:hover .icon { transform: translateX(3px); }
@media (max-width: 1023px) { .guide-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 559px) { .guide-grid, .guide-list { grid-template-columns: 1fr; } }

/* ---------- Glossary chips ---------- */
.chip-cloud { display: flex; flex-wrap: wrap; gap: 10px; }
.chip {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 18px;
  border-radius: var(--radius-pill); border: 1px solid var(--color-pebble);
  text-decoration: none; font-weight: 500; color: var(--color-charcoal); background: var(--color-paper);
  transition: background-color 150ms var(--ease), border-color 150ms var(--ease);
}
.chip:hover { background: var(--color-mint-wash); border-color: var(--color-forest-ink); color: var(--color-forest-ink); }
#glossary .section-cta { justify-content: flex-start; margin-top: var(--space-24); }

/* ---------- Dark (Vantage) ---------- */
.dark-card {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--space-48); align-items: center;
  background: var(--color-spruce); border-radius: var(--radius-xl); padding: var(--space-48);
}
.dark-card h2 { color: var(--color-paper); margin-bottom: var(--space-16); }
.dark-card p:not(.eyebrow) { color: var(--color-paper); font-size: var(--text-body-lg); line-height: 1.55; margin-bottom: var(--space-32); max-width: 520px; }
@media (max-width: 1023px) {
  .dark-card { grid-template-columns: 1fr; padding: var(--space-32); }
  .dark-card-media { display: none; }
}
@media (max-width: 639px) { .dark-card { padding: var(--space-24); border-radius: var(--radius-lg); } }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; grid-template-columns: 4fr 8fr; gap: var(--space-48); align-items: start; }
.accordion { border-top: 1px solid var(--color-pebble); }
.acc-item { border-bottom: 1px solid var(--color-pebble); }
.acc-item h3 { font-size: 18px; }
.acc-item button {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  min-height: 64px; padding: 16px 0; border: 0; background: transparent; cursor: pointer; text-align: left;
  font: 600 18px/1.35 var(--font-body); color: var(--color-obsidian);
}
.acc-item button .icon { color: var(--color-forest-ink); transition: transform 200ms var(--ease); }
.acc-item button[aria-expanded="true"] .icon { transform: rotate(45deg); }
.acc-panel { padding: 0 48px 20px 0; }
.acc-panel p { color: var(--color-charcoal); }
@media (max-width: 1023px) { .faq-grid { grid-template-columns: 1fr; gap: var(--space-24); } }

/* ---------- Final CTA ---------- */
.final-cta .display { font-size: var(--text-display); font-weight: 900; line-height: 0.95; letter-spacing: -0.03em; }
.final-cta .section-intro { margin: var(--space-24) auto 0; max-width: 560px; }
.btn-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: var(--space-32); }

/* ---------- Footer ---------- */
.site-footer { background: var(--color-forest-ink); color: var(--color-paper); padding: var(--space-64) 0 var(--space-40); }
.footer-top { display: grid; grid-template-columns: 1fr 2fr; gap: var(--space-40); padding-bottom: var(--space-40); border-bottom: 1px solid rgba(255,255,255,0.15); }
.footer-nav ul { display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px 24px; }
.footer-nav a { display: inline-flex; align-items: center; min-height: 40px; text-decoration: none; font-weight: 500; color: var(--color-paper); }
.footer-nav a:hover { text-decoration: underline; text-underline-offset: 3px; }
.footer-bottom { padding-top: var(--space-32); display: grid; gap: 16px; font-size: var(--text-caption); color: rgba(255,255,255,0.85); }
.footer-relationship { font-weight: 600; color: var(--color-paper); font-size: 14px; }
.footer-disclaimer { max-width: 860px; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 8px 24px; align-items: center; }
.footer-legal a { color: var(--color-paper); }
@media (max-width: 767px) {
  .footer-top { grid-template-columns: 1fr; }
  .footer-nav ul { grid-template-columns: 1fr 1fr; }
}

/* ---------- Sticky mobile result ---------- */
.sticky-result {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 40;
  display: flex; justify-content: space-between; align-items: center;
  min-height: 56px; padding: 0 20px; border: 0; border-radius: var(--radius-pill);
  background: var(--color-forest-ink); color: var(--color-paper);
  font: 500 15px/1 var(--font-body); cursor: pointer;
  box-shadow: var(--shadow-panel);
}
.sticky-result strong { color: var(--color-lime); font-size: 20px; font-weight: 800; font-variant-numeric: tabular-nums; }
@media (min-width: 768px) { .sticky-result { display: none !important; } }

/* =====================================================================
   INNER PAGES — see src/PAGE_SPEC.md for markup patterns
   ===================================================================== */
.icon-xs { width: 14px; height: 14px; }

/* Breadcrumb */
.breadcrumb { padding-top: var(--space-20); }
.breadcrumb ol { display: flex; flex-wrap: wrap; align-items: center; gap: 4px; font-size: var(--text-caption); color: var(--color-slate); }
.breadcrumb li { display: inline-flex; align-items: center; gap: 4px; }
.breadcrumb a { color: var(--color-slate); text-decoration: none; min-height: 44px; display: inline-flex; align-items: center; }
.breadcrumb { padding-top: var(--space-8); }
.breadcrumb a:hover { color: var(--color-forest-ink); text-decoration: underline; }
.breadcrumb [aria-current] { color: var(--color-charcoal); font-weight: 500; }

/* Page hero (compact) */
.page-hero { padding: var(--space-32) 0 var(--space-48); }
.page-hero h1 { max-width: 880px; }
.page-hero .lead { max-width: 720px; margin-top: var(--space-20); }
.page-hero-meta { margin-top: var(--space-16); font-size: var(--text-caption); color: var(--color-slate); }
.page-hero.has-tool { padding-bottom: var(--space-32); }

/* Page hero with photo: text left, photo right (DESIGN.md §8.2). Photo is decorative context,
   so it is hidden on small phones to keep the article first (content-priority). */
.page-hero.has-media .container { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); column-gap: var(--space-64); align-items: center; }
.page-hero.has-media .container > * { grid-column: 1; }
.page-hero.has-media .page-hero-media { grid-column: 2; grid-row: 1 / span 5; border-radius: var(--radius-xl); }
@media (max-width: 1023px) {
  .page-hero.has-media .container { grid-template-columns: minmax(0, 1fr); }
  .page-hero.has-media .page-hero-media { grid-column: 1; grid-row: auto; margin-top: var(--space-32); aspect-ratio: 16 / 9 !important; }
}
@media (max-width: 639px) { .page-hero.has-media .page-hero-media { display: none; } }

/* Card thumbnail (photo bleeds to the card edges) */
.tool-card.has-thumb { padding-top: 0; overflow: hidden; }
.tool-card.has-thumb .card-thumb { margin: 0 calc(var(--space-24) * -1) 8px; width: calc(100% + var(--space-24) * 2); max-width: none; border-radius: 0; border-width: 0 0 1px 0; }
.tool-card.has-thumb > .icon-lg { display: none; }

/* Visually hidden, still read by screen readers (keeps heading levels sequential) */
.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; }

/* Tool section (calculator panel on inner pages) */
.tool-section { padding-bottom: var(--space-64); }

/* Article layout: content + sticky aside */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: var(--space-64); align-items: start; padding-bottom: var(--space-80); }
.article-aside { position: sticky; top: calc(var(--header-height) + 24px); display: grid; gap: var(--space-20); }
@media (max-width: 1023px) {
  .article-layout { grid-template-columns: minmax(0, 1fr); gap: var(--space-40); }
  .article-aside { position: static; }
}

/* Table of contents */
.toc { background: var(--color-fog); border-radius: var(--radius-lg); padding: var(--space-20) var(--space-24); }
.toc-title { font-size: var(--text-eyebrow); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--color-spruce); margin-bottom: 8px; }
.toc ol { display: grid; }
.toc a { display: flex; min-height: 36px; align-items: center; text-decoration: none; color: var(--color-charcoal); font-size: 15px; }
.toc a:hover { color: var(--color-forest-ink); text-decoration: underline; text-underline-offset: 3px; }

/* Aside CTA card */
.aside-cta { background: var(--color-mint-wash); border-radius: var(--radius-lg); padding: var(--space-24); display: grid; gap: 12px; }
.aside-cta h2 { font-size: 20px; font-weight: 700; letter-spacing: -0.01em; }
.aside-cta p { color: var(--color-charcoal); font-size: 15px; }
.aside-cta .btn { justify-self: start; }

/* Prose */
.prose { max-width: 720px; font-size: var(--text-body-lg); line-height: 1.65; color: var(--color-charcoal); }
.prose > * + * { margin-top: 1em; }
.prose h2 { font-size: clamp(24px, 2.4vw, 32px); margin-top: 2.2em; scroll-margin-top: calc(var(--header-height) + 24px); }
.prose h3 { font-size: 20px; margin-top: 1.6em; }
.prose h2 + *, .prose h3 + * { margin-top: 0.6em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose li + li { margin-top: 0.4em; }
.prose li::marker { color: var(--color-spruce); }
.prose a:not(.btn):not(.text-link) { color: var(--color-forest-ink); font-weight: 500; text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--color-obsidian); font-weight: 600; }
.prose > :first-child { margin-top: 0; }

/* Key takeaways box */
.takeaways { background: var(--color-mint-wash); border-radius: var(--radius-lg); padding: var(--space-24) var(--space-28, 28px); }
.takeaways h2 { font-size: 18px !important; margin: 0 0 12px !important; letter-spacing: 0; }
.takeaways ul { list-style: none; padding: 0; display: grid; gap: 10px; }
.takeaways li { position: relative; padding-left: 28px; margin: 0 !important; font-size: 17px; }
.takeaways li::before { content: ""; position: absolute; left: 0; top: 5px; width: 18px; height: 18px; border-radius: 50%; background: var(--color-lime) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23163300' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center / 11px no-repeat; }

/* Callout */
.callout { display: flex; gap: 12px; padding: 16px 20px; border-left: 3px solid var(--color-info); background: var(--color-fog); border-radius: 0 var(--radius-md) var(--radius-md) 0; font-size: 16px; line-height: 1.55; color: var(--color-charcoal); }
.callout .icon { color: var(--color-info); margin-top: 2px; }
.callout-warn { border-left-color: var(--color-signal-red); }
.callout-warn .icon { color: var(--color-signal-red); }

/* Inline calculator CTA inside prose */
.inline-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; padding: var(--space-20) var(--space-24); background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); font-size: 16px; }
.inline-cta strong { display: block; font-size: 18px; color: var(--color-obsidian); }
.inline-cta p { margin: 0; }

/* Data table */
.table-wrap { overflow-x: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); background: var(--color-paper); }
.data-table { width: 100%; border-collapse: collapse; font-size: 15px; font-variant-numeric: tabular-nums; }
.data-table caption { text-align: left; padding: 16px 20px 0; font-size: var(--text-caption); color: var(--color-slate); caption-side: bottom; padding-bottom: 14px; }
.data-table th, .data-table td { padding: 12px 20px; text-align: right; border-bottom: 1px solid var(--color-border-subtle); white-space: nowrap; }
.data-table th:first-child, .data-table td:first-child { text-align: left; }
.data-table thead th { font-size: var(--text-label); font-weight: 600; color: var(--color-charcoal); background: var(--color-fog); }
.data-table tbody th { font-weight: 600; color: var(--color-obsidian); }
.data-table tbody tr:last-child > * { border-bottom: 0; }
.data-table td strong { color: var(--color-obsidian); }
.prose .table-wrap { font-size: 15px; }
.data-table.text-table td, .data-table.text-table th { text-align: left; white-space: normal; }

/* Checklist */
.checklist { list-style: none !important; padding: 0 !important; display: grid; gap: 10px; }
/* Block + absolute marker (not flex) so inline <strong>/<a> inside the item wrap as normal text */
.checklist li { position: relative; padding: 14px 16px 14px 48px; background: var(--color-paper); border-radius: var(--radius-md); box-shadow: var(--shadow-hairline); margin: 0 !important; }
.checklist li::before { content: ""; position: absolute; left: 16px; top: 18px; width: 20px; height: 20px; box-sizing: border-box; border: 2px solid var(--color-forest-ink); border-radius: 6px; }
.checklist-group + .checklist-group { margin-top: var(--space-32); }

/* Related / card grids reuse .tool-card; section wrapper */
.related { padding: var(--space-64) 0; background: var(--color-fog); }
.related h2 { margin-bottom: var(--space-32); }
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: var(--space-24); }
.card-grid > * { min-width: 0; }

/* Hub list (links with descriptions) */
.hub-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-24); }
.hub-list > * { min-width: 0; }
/* Odd item count: the last card spans the full row instead of leaving an empty cell */
.hub-list > :last-child:nth-child(odd) { grid-column: 1 / -1; }
.hub-list > .has-thumb:last-child:nth-child(odd) { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); column-gap: var(--space-32); align-content: center; padding: 0 var(--space-24) 0 0; }
.hub-list > .has-thumb:last-child:nth-child(odd) .card-thumb { grid-row: 1 / span 4; margin: 0; width: 100%; height: 100%; border-width: 0 1px 0 0; }
.hub-list > .has-thumb:last-child:nth-child(odd) > *:not(.card-thumb) { grid-column: 2; }
.hub-list > .has-thumb:last-child:nth-child(odd) h3 { margin-top: var(--space-24); }
.hub-list > .has-thumb:last-child:nth-child(odd) .text-link { margin-bottom: var(--space-24); }
@media (max-width: 767px) {
  .hub-list { grid-template-columns: 1fr; }
  .hub-list > .has-thumb:last-child:nth-child(odd) { display: flex; padding: 0 var(--space-24) var(--space-24); }
  .hub-list > .has-thumb:last-child:nth-child(odd) .card-thumb { margin: 0 calc(var(--space-24) * -1) 8px; width: calc(100% + var(--space-24) * 2); height: auto; border-width: 0 0 1px 0; }
  .hub-list > .has-thumb:last-child:nth-child(odd) h3 { margin-top: 0; }
  .hub-list > .has-thumb:last-child:nth-child(odd) .text-link { margin-bottom: 0; }
}

/* FTC referral disclosure next to Start Application (on dark cards) */
.disclosure-note { margin-top: var(--space-16) !important; margin-bottom: 0 !important; max-width: 520px; font-size: var(--text-caption) !important; line-height: 1.5 !important; color: rgba(255, 255, 255, 0.85) !important; }
.disclosure-note strong { color: var(--color-paper); }
.disclosure-note a { color: var(--color-paper); text-decoration: underline; text-underline-offset: 2px; white-space: nowrap; }
.disclosure-note a:hover { color: var(--color-lime); }

/* Featured split (hub "Start here"): copy left, preview right */
.feature-split { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: var(--space-64); align-items: center; padding: var(--space-48); background: var(--color-paper); border-radius: var(--radius-xl); box-shadow: var(--shadow-panel), var(--shadow-hairline); }
.feature-copy h2 { margin-bottom: var(--space-16); }
.feature-points { display: grid; gap: 10px; margin-top: var(--space-24); }
.feature-points li { display: flex; align-items: center; gap: 10px; font-weight: 500; color: var(--color-charcoal); }
.feature-points .icon { color: var(--color-spruce); }
@media (max-width: 1023px) { .feature-split { grid-template-columns: minmax(0, 1fr); gap: var(--space-32); padding: var(--space-32); } }
@media (max-width: 639px) { .feature-split { padding: var(--space-20); border-radius: var(--radius-lg); } }

/* Static result preview (links to the real calculator) */
.result-preview { position: relative; display: block; text-decoration: none; color: inherit; top: auto; transition: transform 200ms var(--ease); }
.result-preview:hover { transform: translateY(-2px); }
.preview-figure { font-family: var(--font-display); font-size: var(--text-figure); font-weight: 800; letter-spacing: -0.02em; line-height: 1; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.preview-tag { position: absolute; top: 16px; right: 16px; font-size: 12px; font-weight: 600; padding: 4px 10px; border-radius: var(--radius-pill); background: var(--color-paper); color: var(--color-forest-ink); }
.preview-note { margin-top: var(--space-16); font-size: var(--text-caption); color: var(--color-charcoal); }
.result-preview > span { display: block; }
.result-preview .result-figure { display: flex; }
.preview-list > span { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid rgba(22, 51, 0, 0.15); font-size: 15px; color: var(--color-charcoal); }
.preview-list strong { color: var(--color-obsidian); font-weight: 600; font-variant-numeric: tabular-nums; text-align: right; }
.result-preview .split-bar { display: flex; }

/* Example output chip inside tool cards */
.tool-preview { display: grid; gap: 2px; padding: 12px 16px; border-radius: var(--radius-md); background: var(--color-mint-wash); }
.tool-preview strong { font-size: 22px; font-weight: 800; letter-spacing: -0.01em; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.tool-preview span { font-size: var(--text-caption); color: var(--color-charcoal); line-height: 1.4; }
.section-fog .tool-preview { background: var(--color-mint-wash); }
.preview-footnote { margin-top: var(--space-24); font-size: var(--text-caption); color: var(--color-slate); max-width: 760px; }

/* Guides hub: 3 featured photo cards + topic panels */
.guide-grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.guide-card-desc { color: var(--color-charcoal); font-size: 16px; }
@media (max-width: 1023px) { .guide-grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 559px) { .guide-grid-3 { grid-template-columns: minmax(0, 1fr); } }

.topic-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-24); }
.topic-panel { background: var(--color-paper); border-radius: var(--radius-lg); padding: var(--space-24); display: flex; flex-direction: column; gap: 12px; scroll-margin-top: calc(var(--header-height) + 24px); }
.topic-icon { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 50%; background: var(--color-mint-wash); color: var(--color-forest-ink); }
.topic-links { display: grid; }
.topic-links a { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 48px; padding: 8px 0; border-top: 1px solid var(--color-border-subtle); text-decoration: none; font-weight: 500; color: var(--color-obsidian); line-height: 1.35; }
.topic-links a:hover { color: var(--color-forest-ink); text-decoration: underline; text-underline-offset: 3px; }
.topic-links .icon { flex: none; color: var(--color-forest-ink); transition: transform 150ms var(--ease); }
.topic-links a:hover .icon { transform: translateX(3px); }
@media (max-width: 1023px) { .topic-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 639px) { .topic-grid { grid-template-columns: minmax(0, 1fr); } }

/* Hero actions on content pages */
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 24px; margin-top: var(--space-24); }

/* Next steps (shared 3-step journey on inner pages) */
.journey-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-24); counter-reset: none; }
.journey-card { display: flex; flex-direction: column; gap: 12px; padding: var(--space-32) var(--space-24) var(--space-24); background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); }
.journey-card p { color: var(--color-charcoal); flex: 1; }
.journey-card .text-link { min-height: 44px; }
.journey-card .btn { align-self: flex-start; }
.journey-card-key { background: var(--color-mint-wash); box-shadow: none; }
.journey-num-lg { width: 40px; height: 40px; font-size: 16px; }
.journey-card:not(.journey-card-key) .journey-num-lg { background: var(--color-fog); }
/* Paper section with Fog cards, so it alternates with the Fog "related" block above it */
.next-steps .journey-card:not(.journey-card-key) { background: var(--color-fog); box-shadow: none; }
.next-steps .journey-card:not(.journey-card-key) .journey-num-lg { background: var(--color-paper); }
@media (max-width: 899px) { .journey-cards { grid-template-columns: minmax(0, 1fr); } }

/* CTA band (compact Vantage block for inner pages) */
/* .cta-band now reuses the Home's Vantage section (.section-dark + .dark-card with photo) */

/* Tool results (secondary calculators) */
.tool-panel { background: var(--color-paper); border-radius: var(--radius-xl); box-shadow: var(--shadow-panel), var(--shadow-hairline); padding: var(--space-32); }
.tool-grid-2 { display: grid; grid-template-columns: 7fr 5fr; gap: var(--space-32); align-items: start; }
.tool-grid-2 > * { min-width: 0; }
.tool-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16) var(--space-16); align-content: start; }
.tool-inputs .field-full { grid-column: 1 / -1; }
.tool-inputs.cols-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 899px) { .tool-inputs.cols-4 { grid-template-columns: 1fr 1fr; } }
.tool-results { background: var(--color-mint-wash); border-radius: var(--radius-lg); padding: var(--space-24); }
.tool-results .result-figure span:first-child { font-family: var(--font-display); font-size: clamp(36px, 4vw, 52px); font-weight: 800; letter-spacing: -0.02em; line-height: 1; color: var(--color-obsidian); font-variant-numeric: tabular-nums; }
.tool-results .result-list { margin-top: var(--space-16); }
.tool-results .result-actions { margin-top: var(--space-20); }
.tool-table { margin-top: var(--space-24); }
@media (max-width: 899px) { .tool-grid-2 { grid-template-columns: 1fr; } }
@media (max-width: 479px) { .tool-inputs { grid-template-columns: 1fr; } .tool-panel { padding: var(--space-20); border-radius: var(--radius-lg); } }

.lt-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); margin-top: var(--space-16); }
.term-card-custom { background: var(--color-fog); box-shadow: none; }
@media (max-width: 1023px) { .lt-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 559px) { .lt-grid { grid-template-columns: 1fr; } }

/* Breakdown bars (ownership cost) */
.breakdown { display: grid; gap: 12px; margin-top: var(--space-16); }
.bd-row { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; color: var(--color-charcoal); font-variant-numeric: tabular-nums; }
.bd-row span:last-child { font-weight: 600; color: var(--color-obsidian); }
.bd-bar { height: 8px; margin-top: 6px; background: var(--color-paper); border-radius: var(--radius-pill); overflow: hidden; }
.bd-bar span { display: block; height: 100%; background: var(--color-spruce); border-radius: var(--radius-pill); }

/* Side-by-side compare (new vs used) */
.versus { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-24); }
.versus > * { min-width: 0; }
.versus-col { background: var(--color-paper); border-radius: var(--radius-lg); box-shadow: var(--shadow-hairline); padding: var(--space-24); display: grid; gap: var(--space-16); align-content: start; }
.versus-col h3 { display: flex; align-items: center; justify-content: space-between; }
.versus-col .tool-inputs { grid-template-columns: 1fr 1fr; }
.versus-out { background: var(--color-mint-wash); border-radius: var(--radius-md); padding: var(--space-16) var(--space-20); }
.versus-out .result-list { margin-top: 0; border-top: 0; }
.versus-diff { margin-top: var(--space-24); }
@media (max-width: 899px) { .versus { grid-template-columns: 1fr; } }

/* Glossary */
.glossary-index { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: var(--space-40); }
.glossary-list { display: grid; gap: 0; border-top: 1px solid var(--color-border-subtle); }
.term { padding: var(--space-24) 0; border-bottom: 1px solid var(--color-border-subtle); scroll-margin-top: calc(var(--header-height) + 24px); display: grid; grid-template-columns: 260px 1fr; gap: var(--space-24); }
.term:target { background: var(--color-mint-wash); border-radius: var(--radius-md); padding-left: 16px; padding-right: 16px; }
.term dt { font-size: 20px; font-weight: 700; color: var(--color-obsidian); }
.term dd { color: var(--color-charcoal); font-size: 17px; line-height: 1.6; }
.term dd > * + * { margin-top: 8px; }
.term dd a { color: var(--color-forest-ink); font-weight: 600; }
@media (max-width: 767px) { .term { grid-template-columns: 1fr; gap: 8px; } }

/* FAQ page groups */
.faq-group + .faq-group { margin-top: var(--space-64); }
.faq-group > h2 { margin-bottom: var(--space-20); }

/* Contact form */
.form-card { background: var(--color-paper); border-radius: var(--radius-xl); box-shadow: var(--shadow-hairline); padding: var(--space-32); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-20) var(--space-16); }
.form-grid .field-full { grid-column: 1 / -1; }
.textarea-wrap { height: auto; padding: 12px 16px; }
.textarea-wrap textarea { width: 100%; min-height: 140px; border: 0; outline: 0; resize: vertical; font: 400 16px/1.5 var(--font-body); color: var(--color-charcoal); background: transparent; }
.form-status { margin-top: var(--space-16); }
.form-grid label:has(input[type="checkbox"]) { display: flex; gap: 12px; align-items: flex-start; font-weight: 400; font-size: 15px; line-height: 1.5; color: var(--color-charcoal); cursor: pointer; }
.form-grid label:has(input[type="checkbox"]) a { color: var(--color-forest-ink); font-weight: 600; }
.form-grid input[type="checkbox"] { flex: none; width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--color-forest-ink); }
.field.has-error label:has(input[type="checkbox"]) { color: var(--color-error); }
/* Guides hub: categories reuse .faq-group for spacing */
.faq-group > .card-grid { margin-top: var(--space-16); }
@media (max-width: 639px) { .form-grid { grid-template-columns: 1fr; } .form-card { padding: var(--space-20); } }

/* Legal pages */
.legal-draft { margin-bottom: var(--space-32); }

/* 404 */
.not-found { padding: var(--space-96) 0; text-align: center; }
.not-found .btn-row { margin-top: var(--space-32); }

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}