/* ============================================================
   SumWize — Design System
   Brand lives here. Swap --brand / --accent / name to rebrand.
   ============================================================ */

:root{
  /* Brand palette — Midnight & Champagne */
  --ink:        #0A2540;   /* midnight navy — text/headers/dark surfaces */
  --ink-soft:   #33455F;
  --muted:      #6B7A8D;
  --line:       #E4E7EC;
  --line-soft:  #EEF1F5;
  --bg:         #FFFFFF;
  --bg-alt:     #F6F4EF;   /* warm ivory */
  --bg-tint:    #F5F1E7;   /* parchment tint */

  --brand:      #0A2540;   /* midnight navy — primary */
  --brand-600:  #12345C;
  --brand-700:  #071A30;
  --brand-050:  #EAEEF4;   /* pale navy tint */
  --accent:     #C8A96A;   /* champagne gold — accent / hero figures */
  --accent-600: #B4914F;

  --pos:        #2E7D64;   /* muted advisory green */
  --neg:        #C0392B;
  --info:       #3A5A83;

  --radius:     14px;
  --radius-sm:  10px;
  --radius-lg:  22px;
  --shadow-sm:  0 1px 2px rgba(15,23,42,.06), 0 1px 3px rgba(15,23,42,.05);
  --shadow-md:  0 4px 12px rgba(15,23,42,.08), 0 2px 4px rgba(15,23,42,.04);
  --shadow-lg:  0 20px 45px -20px rgba(15,23,42,.35);
  --maxw:       1140px;

  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --serif: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --brandfont: "Poppins", var(--sans);
  --mono: "SF Mono", ui-monospace, "Roboto Mono", Menlo, monospace;
  --ease: cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--ink);
  background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
h1,h2,h3,h4{margin:0 0 .4em;color:var(--ink)}
h1,h2{font-family:var(--serif);font-weight:500;line-height:1.06;letter-spacing:-.015em;
  font-optical-sizing:auto}
h3,h4{font-weight:700;letter-spacing:-.01em;line-height:1.15}
h1{font-size:clamp(2.4rem,4.6vw,3.7rem)}
h2{font-size:clamp(1.75rem,3.1vw,2.5rem)}
h3{font-size:1.2rem}
.eyebrow{display:inline-flex;align-items:center;gap:.55rem}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--accent);display:inline-block}
p{margin:0 0 1rem}
a{color:var(--brand);text-decoration:none}
a:hover{color:var(--brand-700)}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.center{text-align:center}
.muted{color:var(--muted)}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brand)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:.95rem;
  padding:.72rem 1.3rem;border-radius:999px;border:1px solid transparent;cursor:pointer;
  transition:transform .12s ease, box-shadow .12s ease, background .12s ease;
  text-decoration:none;
}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-700);color:#fff;box-shadow:var(--shadow-md)}
.btn-accent{background:var(--accent);color:#0A2540}
.btn-accent:hover{background:var(--accent-600);color:#0A2540}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-lg{padding:.9rem 1.7rem;font-size:1.02rem}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:.5rem;font-family:var(--brandfont);font-weight:700;
  font-size:1.32rem;color:var(--ink);letter-spacing:-.02em}
.brand:hover{color:var(--ink)}
.brand .logo{width:36px;height:36px;flex:none;border-radius:10px}
.brand .wm{white-space:nowrap}          /* one unit — no gap between Sum and Wize */
.brand b{color:var(--accent);font-weight:700}
.nav-links{display:flex;align-items:center;gap:1.6rem;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink-soft);font-weight:500;font-size:.95rem}
.nav-links a:hover{color:var(--brand)}
.nav-cta{display:flex;align-items:center;gap:.8rem}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:6px}
.menu-btn span{display:block;width:22px;height:2px;background:var(--ink);margin:4px 0;border-radius:2px}
@media(max-width:820px){
  .nav-links{position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;
    align-items:flex-start;gap:0;padding:8px 22px 18px;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow-md);display:none}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 0;width:100%;border-bottom:1px solid var(--line-soft)}
  .menu-btn{display:block}
  .nav-cta .btn-ghost{display:none}
}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(1200px 500px at 80% -10%, var(--brand-050), transparent 60%),
  linear-gradient(180deg,#fff, var(--bg-alt))}
.hero-inner{padding:70px 0 60px;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{margin-bottom:.35em}
.hero .lead{font-size:1.15rem;color:var(--ink-soft);max-width:38ch}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}
.hero-stats{display:flex;gap:2rem;margin-top:2.2rem}
.hero-stats .n{font-size:1.7rem;font-weight:800;color:var(--ink);letter-spacing:-.02em}
.hero-stats .l{font-size:.82rem;color:var(--muted)}
@media(max-width:820px){.hero-inner{grid-template-columns:1fr;padding:44px 0 40px}}

/* Hero search */
.hero-search{position:relative;max-width:440px;margin-top:1.4rem}
.hero-search input{width:100%;padding:.95rem 1.1rem .95rem 2.8rem;border:1px solid var(--line);
  border-radius:999px;font-size:1rem;box-shadow:var(--shadow-sm);background:#fff}
.hero-search input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-050)}
.hero-search svg{position:absolute;left:1rem;top:50%;transform:translateY(-50%);color:var(--muted)}
.search-results{position:absolute;top:calc(100% + 8px);left:0;right:0;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);
  max-height:340px;overflow:auto;z-index:30;display:none}
.search-results.show{display:block}
.search-results a{display:flex;justify-content:space-between;gap:1rem;padding:.7rem 1rem;
  border-bottom:1px solid var(--line-soft);color:var(--ink);font-size:.92rem}
.search-results a:last-child{border-bottom:0}
.search-results a:hover{background:var(--bg-tint)}
.search-results .cat{color:var(--muted);font-size:.78rem;white-space:nowrap}
.search-empty{padding:1rem;color:var(--muted);font-size:.9rem}

/* Hero visual card */
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:26px;position:relative}
.hero-card h4{font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:1rem}
.hero-card .big{font-size:2.6rem;font-weight:800;color:var(--brand);letter-spacing:-.03em}
.hero-card .row{display:flex;justify-content:space-between;padding:.55rem 0;border-bottom:1px solid var(--line-soft);font-size:.92rem}
.hero-card .row:last-child{border-bottom:0}
.hero-card .bar{height:8px;border-radius:8px;background:var(--brand-050);margin-top:14px;overflow:hidden}
.hero-card .bar>i{display:block;height:100%;background:var(--brand);border-radius:8px}

/* ---------- Sections ---------- */
section{padding:56px 0}
.section-head{max-width:640px;margin:0 auto 2.4rem;text-align:center}
.section-head p{color:var(--ink-soft)}

/* ---------- Category grid ---------- */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px}
.cat-card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:20px;transition:transform .14s ease,box-shadow .14s ease,border-color .14s}
.cat-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--brand-050)}
.cat-card .ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;
  background:var(--brand-050);color:var(--brand);margin-bottom:12px}
.cat-card h3{font-size:1.05rem;color:var(--ink);margin-bottom:.2em}
.cat-card .count{font-size:.82rem;color:var(--muted)}

/* ---------- Featured calculators ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px}
.feat-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:20px;transition:transform .14s,box-shadow .14s}
.feat-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.feat-card .tag{font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--brand);margin-bottom:.5rem}
.feat-card h3{color:var(--ink);font-size:1.08rem}
.feat-card p{font-size:.9rem;color:var(--muted);flex:1}
.feat-card .go{font-weight:600;font-size:.9rem;color:var(--brand);margin-top:.4rem}

/* ---------- Badges ---------- */
.badge{display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  padding:.18rem .5rem;border-radius:999px}
.badge-live{background:var(--brand-050);color:var(--brand-700)}
.badge-soon{background:#FEF3C7;color:#92600A}

/* ---------- Directory ---------- */
.dir-layout{display:grid;grid-template-columns:230px 1fr;gap:34px;align-items:start}
.dir-filter{position:sticky;top:88px}
.dir-filter h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:.8rem}
.dir-filter a{display:flex;justify-content:space-between;padding:.4rem .6rem;border-radius:8px;
  color:var(--ink-soft);font-size:.92rem;cursor:pointer}
.dir-filter a:hover{background:var(--bg-alt)}
.dir-filter a.active{background:var(--brand-050);color:var(--brand-700);font-weight:600}
.dir-filter a .c{color:var(--muted);font-size:.78rem}
.dir-search{width:100%;padding:.8rem 1rem;border:1px solid var(--line);border-radius:var(--radius-sm);
  font-size:.98rem;margin-bottom:1.4rem}
.dir-search:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-050)}
.dir-cat{margin-bottom:2.2rem}
.dir-cat h3{display:flex;align-items:center;gap:.6rem;font-size:1.15rem;color:var(--ink);
  padding-bottom:.5rem;border-bottom:2px solid var(--brand-050);margin-bottom:1rem}
.dir-cat h3 .n{font-size:.8rem;font-weight:500;color:var(--muted);margin-left:auto}
.calc-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:10px}
.calc-item{display:flex;align-items:center;gap:.6rem;padding:.7rem .85rem;border:1px solid var(--line);
  border-radius:var(--radius-sm);background:#fff;color:var(--ink);font-size:.92rem;
  transition:border-color .12s,box-shadow .12s}
.calc-item:hover{border-color:var(--brand);box-shadow:var(--shadow-sm);color:var(--ink)}
.calc-item .name{flex:1}
.calc-item .badge{flex:none}
@media(max-width:820px){.dir-layout{grid-template-columns:1fr}.dir-filter{position:static;
  display:flex;gap:.4rem;overflow-x:auto;padding-bottom:.5rem}.dir-filter h4{display:none}
  .dir-filter a{white-space:nowrap;border:1px solid var(--line)}}

/* ---------- Calculator page ---------- */
.calc-hero{background:linear-gradient(180deg,var(--bg-tint),#fff);border-bottom:1px solid var(--line)}
.calc-hero .wrap{padding:30px 22px 26px}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:.6rem}
.breadcrumb a{color:var(--muted)}.breadcrumb a:hover{color:var(--brand)}
.calc-title{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap}
.calc-title h1{font-size:clamp(1.5rem,3vw,2.1rem);margin:0}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start;padding:34px 0}
@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);padding:24px}
.panel h3{font-size:1.05rem;margin-bottom:1.1rem;padding-bottom:.7rem;border-bottom:1px solid var(--line-soft)}
.field{margin-bottom:1.1rem}
.field label{display:block;font-size:.9rem;font-weight:600;color:var(--ink-soft);margin-bottom:.35rem}
.field .hint{font-weight:400;color:var(--muted);font-size:.82rem}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .pre,.input-wrap .post{position:absolute;color:var(--muted);font-size:.95rem;pointer-events:none}
.input-wrap .pre{left:.9rem}.input-wrap .post{right:.9rem}
.field input[type=number],.field input[type=text],.field select{
  width:100%;padding:.72rem .9rem;border:1px solid var(--line);border-radius:var(--radius-sm);
  font-size:1rem;font-family:inherit;color:var(--ink);background:#fff}
.field .has-pre input{padding-left:1.9rem}
.field .has-post input{padding-right:2.6rem}
.field input:focus,.field select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-050)}
.field input[type=range]{width:100%;accent-color:var(--brand)}
.range-row{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin-top:.2rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}

/* Result panel */
.result-panel{background:linear-gradient(180deg,var(--ink),#13233d);color:#fff;border:0}
.result-panel h3{color:#cbd5e1;border-color:rgba(255,255,255,.12);font-weight:600}
.result-hero{text-align:center;padding:.4rem 0 1.2rem}
.result-hero .label{font-size:.85rem;color:#94a3b8;text-transform:uppercase;letter-spacing:.08em}
.result-hero .value{font-size:clamp(2.2rem,5vw,3.1rem);font-weight:800;color:var(--accent);letter-spacing:-.03em;line-height:1.1}
.result-hero .sub{color:#94a3b8;font-size:.9rem}
.result-rows{border-top:1px solid rgba(255,255,255,.12)}
.result-rows .r{display:flex;justify-content:space-between;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:.95rem}
.result-rows .r span:first-child{color:#cbd5e1}
.result-rows .r b{font-weight:700}
.result-rows .r .pos{color:#7FD3A9}
.chart-wrap{margin-top:1.2rem}
.donut{display:flex;align-items:center;gap:1.2rem}
.donut svg{flex:none}
.legend{font-size:.85rem}
.legend .li{display:flex;align-items:center;gap:.5rem;margin:.3rem 0;color:#cbd5e1}
.legend .dot{width:11px;height:11px;border-radius:3px;flex:none}

.note{font-size:.82rem;color:var(--muted);margin-top:1.2rem;padding-top:1rem;border-top:1px solid var(--line-soft)}
.disclaimer{background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--radius);
  padding:16px 20px;font-size:.83rem;color:var(--muted);margin:10px 0 0}

/* amortization / table */
.tbl-wrap{overflow:auto;border:1px solid var(--line);border-radius:var(--radius);margin-top:20px}
table.amort{width:100%;border-collapse:collapse;font-size:.86rem}
table.amort th,table.amort td{padding:.55rem .8rem;text-align:right;border-bottom:1px solid var(--line-soft)}
table.amort th{background:var(--bg-alt);position:sticky;top:0;font-weight:600;color:var(--ink-soft)}
table.amort td:first-child,table.amort th:first-child{text-align:left}
table.amort tr:hover td{background:var(--bg-tint)}

/* related */
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}

/* ---------- Coming soon ---------- */
.soon-wrap{max-width:640px;margin:0 auto;text-align:center;padding:60px 22px}
.soon-ico{width:70px;height:70px;border-radius:20px;background:var(--brand-050);color:var(--brand);
  display:grid;place-items:center;margin:0 auto 1.4rem}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--brand-700),var(--brand));color:#fff;border-radius:var(--radius-lg);
  padding:44px;text-align:center;margin:20px 0}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);max-width:46ch;margin-left:auto;margin-right:auto}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:#94a3b8;padding:50px 0 30px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.site-footer .brand{color:#fff}
.site-footer h5{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.5rem 0}
.site-footer a{color:#94a3b8;font-size:.92rem}
.site-footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:22px;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.85rem}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}

.pill-row{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.pill{font-size:.8rem;padding:.35rem .8rem;border-radius:999px;background:var(--bg-alt);
  border:1px solid var(--line);color:var(--ink-soft)}

.trust-row{display:flex;gap:2rem;flex-wrap:wrap;justify-content:center;margin-top:1rem;color:var(--muted);font-size:.9rem}
.trust-row div{display:flex;align-items:center;gap:.5rem}

/* ---------- Methodology ---------- */
.method-layout{display:grid;grid-template-columns:240px 1fr;gap:40px;align-items:start}
.method-toc{position:sticky;top:88px;font-size:.9rem}
.method-toc h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:.7rem}
.method-toc a{display:block;padding:.32rem .6rem;border-radius:8px;color:var(--ink-soft);border-left:2px solid transparent}
.method-toc a:hover{background:var(--bg-alt);color:var(--brand)}
.principles{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px;margin:1.5rem 0 2.5rem}
.principle{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.principle .ico{width:40px;height:40px;border-radius:11px;background:var(--brand-050);color:var(--brand);display:grid;place-items:center;margin-bottom:.8rem}
.principle h3{font-size:1rem;margin-bottom:.3em}
.principle p{font-size:.88rem;color:var(--muted);margin:0}
.method-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin-bottom:20px;scroll-margin-top:88px}
.method-card h3{font-size:1.25rem;display:flex;align-items:center;gap:.6rem}
.method-card .lbl{font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin:1.1rem 0 .3rem}
.method-card p{margin:.2rem 0 0;color:var(--ink-soft);font-size:.95rem}
.formula{font-family:var(--mono);background:var(--ink);color:#e2e8f0;border-radius:var(--radius-sm);
  padding:14px 18px;font-size:.9rem;overflow-x:auto;margin:.5rem 0;line-height:1.6;white-space:pre-wrap}
.formula .v{color:#5eead4}.formula .c{color:#94a3b8}
.example{background:var(--bg-tint);border:1px solid var(--brand-050);border-radius:var(--radius-sm);
  padding:14px 18px;font-size:.9rem;color:var(--ink-soft);margin-top:.5rem}
.example b{color:var(--ink)}
.method-card .open-calc{display:inline-flex;align-items:center;gap:.4rem;margin-top:1.2rem;font-weight:600;font-size:.9rem}
.method-link{display:inline-flex;align-items:center;gap:.4rem;margin-top:.9rem;font-size:.9rem;font-weight:600;
  color:var(--brand);background:var(--brand-050);padding:.4rem .8rem;border-radius:999px}
.method-link:hover{background:var(--brand-050);color:var(--brand-700)}
@media(max-width:860px){.method-layout{grid-template-columns:1fr}.method-toc{position:static;display:none}}

/* ---------- Embed mode ---------- */
body.embed{background:#fff}
body.embed .site-header,body.embed .site-footer{display:none}
body.embed .breadcrumb,body.embed .calc-hero p,body.embed .method-link,
body.embed .calc-title .badge{display:none}
body.embed .calc-hero{background:#fff;border-bottom:1px solid var(--line)}
body.embed .calc-hero .wrap{padding:16px 18px}
body.embed .calc-title h1{font-size:1.2rem}
body.embed .wrap{max-width:none;padding:0 18px}
body.embed .calc-grid{padding:18px 0;gap:18px}
body.embed section{display:none}         /* hide related + cta sections */
body.embed .disclaimer{margin:0 0 14px}
body.embed .panel{box-shadow:none}
.powered{display:block;text-align:right;font-size:.72rem;color:var(--muted);
  padding:8px 18px 14px;text-decoration:none}
.powered b{color:var(--brand)}
body.no-powered .powered{display:none}
.embed-lead{margin:0 18px 10px;padding:16px 18px;border:1px solid var(--brand-050);background:var(--bg-tint);border-radius:var(--radius-sm)}
.embed-lead .el-head{font-weight:600;font-size:.92rem;margin-bottom:.6rem;color:var(--ink)}
.embed-lead .el-row{display:flex;gap:.5rem;flex-wrap:wrap}
.embed-lead input{flex:1;min-width:130px;padding:.55rem .7rem;border:1px solid var(--line);border-radius:8px;font-size:.9rem;font-family:inherit}
.embed-lead button{background:var(--brand);color:#fff;border:0;border-radius:8px;padding:.55rem 1rem;font-weight:600;font-size:.9rem;cursor:pointer}
.embed-lead button:hover{background:var(--brand-700)}
.embed-lead .el-msg{font-size:.82rem;color:var(--neg);margin-top:.4rem}

/* ---------- Snippet builder ---------- */
.builder{display:grid;grid-template-columns:360px 1fr;gap:30px;align-items:start}
@media(max-width:900px){.builder{grid-template-columns:1fr}}
.builder .panel{position:sticky;top:88px}
.swatch-row{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:.3rem}
.swatch{width:30px;height:30px;border-radius:8px;cursor:pointer;border:2px solid #fff;box-shadow:0 0 0 1px var(--line)}
.swatch.sel{box-shadow:0 0 0 2px var(--brand)}
.preview-frame{width:100%;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);background:#fff}
.snippet-box{position:relative;margin-top:1rem}
.snippet-box pre{background:var(--ink);color:#e2e8f0;border-radius:var(--radius-sm);padding:16px 18px;
  overflow-x:auto;font-family:var(--mono);font-size:.82rem;line-height:1.6;margin:0;white-space:pre-wrap;word-break:break-all}
.copy-btn{position:absolute;top:10px;right:10px;background:var(--brand);color:#fff;border:0;border-radius:8px;
  padding:.35rem .7rem;font-size:.78rem;font-weight:600;cursor:pointer}
.copy-btn:hover{background:var(--brand-700)}
.tabs{display:flex;gap:.4rem;margin-bottom:.6rem}
.tab{padding:.35rem .8rem;border-radius:999px;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:.85rem;font-weight:600;color:var(--ink-soft)}
.tab.active{background:var(--brand-050);border-color:var(--brand-050);color:var(--brand-700)}

/* ---------- Pricing ---------- */
.plan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:stretch}
@media(max-width:980px){.plan-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.plan-grid{grid-template-columns:1fr}}
.plan{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.plan.featured{border-color:var(--brand);box-shadow:var(--shadow-md)}
.plan .pop{position:absolute;top:-11px;left:24px;background:var(--brand);color:#fff;font-size:.68rem;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;padding:.2rem .6rem;border-radius:999px}
.plan h3{font-size:1.15rem;margin-bottom:.2em}
.plan .who{font-size:.82rem;color:var(--muted);min-height:2.4em}
.plan .price{font-size:2rem;font-weight:800;letter-spacing:-.02em;margin:.6rem 0 0}
.plan .price small{font-size:.9rem;font-weight:500;color:var(--muted)}
.plan ul{list-style:none;padding:0;margin:1.1rem 0;flex:1}
.plan li{display:flex;gap:.5rem;font-size:.9rem;color:var(--ink-soft);padding:.3rem 0;align-items:flex-start}
.plan li svg{flex:none;color:var(--brand);margin-top:2px}
.plan .btn{width:100%;justify-content:center}
.faq{max-width:760px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line);padding:1rem 0}
.faq summary{font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--brand);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"−"}
.faq p{margin:.8rem 0 0;color:var(--ink-soft);font-size:.94rem}

/* ---------- Auth / dashboard ---------- */
.auth-wrap{max-width:420px;margin:40px auto;padding:0 22px}
.auth-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:32px}
.auth-card h1{font-size:1.5rem}
.notice{border-radius:var(--radius-sm);padding:.7rem 1rem;font-size:.86rem;margin:.8rem 0}
.notice.info{background:#EFF6FF;border:1px solid #BFDBFE;color:#1E40AF}
.notice.warn{background:#FEF3C7;border:1px solid #FDE68A;color:#92600A}
.notice.err{background:#FEE2E2;border:1px solid #FECACA;color:#991B1B}
.dash-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;margin-top:1.4rem}
.stat-tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.stat-tile .k{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.stat-tile .v{font-size:1.6rem;font-weight:800;margin-top:.2rem}
.key-pill{font-family:var(--mono);background:var(--bg-alt);border:1px solid var(--line);border-radius:8px;padding:.4rem .7rem;font-size:.82rem;display:inline-flex;gap:.5rem;align-items:center;word-break:break-all}

/* ---------- Calculator save/export toolbar ---------- */
.calc-tools{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:12px 16px;margin-top:-6px;box-shadow:var(--shadow-sm)}
.calc-tools .lbl{font-weight:600;font-size:.9rem;color:var(--ink-soft);margin-right:.2rem}
.calc-tools .tbtn{display:inline-flex;align-items:center;gap:.4rem;padding:.42rem .85rem;border-radius:999px;
  border:1px solid var(--line);background:#fff;font-size:.85rem;font-weight:600;color:var(--ink);cursor:pointer}
.calc-tools .tbtn:hover{border-color:var(--brand);color:var(--brand)}
.calc-tools .tbtn.primary{background:var(--brand);color:#fff;border-color:var(--brand)}
.calc-tools .tbtn.primary:hover{background:var(--brand-700);color:#fff}
.calc-tools .upsell{font-size:.9rem;color:var(--ink-soft)}
.calc-tools .upsell a{font-weight:600}
.calc-tools .tag{font-size:.66rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  background:var(--accent);color:#0A2540;padding:.12rem .45rem;border-radius:999px}
.toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%);background:var(--ink);color:#fff;
  padding:.7rem 1.2rem;border-radius:999px;font-size:.9rem;box-shadow:var(--shadow-lg);z-index:200;opacity:0;
  transition:opacity .2s, transform .2s}
.toast.show{opacity:1;transform:translateX(-50%) translateY(-4px)}
@media print{.site-header,.site-footer,.calc-tools,.method-link,#related,.breadcrumb,section{display:none!important}
  .result-panel{-webkit-print-color-adjust:exact;print-color-adjust:exact}}

/* ============================================================
   Polish layer — motion, editorial hero, micro-interactions
   ============================================================ */

/* Scroll reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s var(--ease), transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){.reveal{opacity:1!important;transform:none!important;transition:none}
  .hero-inner>div>*,.hero-card{animation:none!important}}

/* Hero entrance + gentle float */
@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
.hero-inner>div>*{animation:fadeUp .7s var(--ease) both}
.hero .eyebrow{animation-delay:.03s}
.hero h1{animation-delay:.10s}
.hero .lead{animation-delay:.18s}
.hero-search{animation-delay:.26s}
.hero-actions{animation-delay:.34s}
.hero-stats{animation-delay:.42s}
.hero-card{animation:fadeIn .9s var(--ease) both, floaty 7s ease-in-out 1.4s infinite}

/* Richer hero backdrop */
.hero{background:
  radial-gradient(900px 440px at 82% -10%, rgba(200,169,106,.20), transparent 62%),
  radial-gradient(760px 520px at 2% 118%, rgba(10,37,64,.07), transparent 60%),
  linear-gradient(180deg,#fff, var(--bg-alt))}
.hero-inner{padding:88px 0 76px}
.hero h1{font-size:clamp(2.6rem,5vw,4.1rem);letter-spacing:-.02em}
.hero .lead{font-size:1.18rem;max-width:40ch}
.hero-stats .n{font-family:var(--serif);font-weight:500;font-size:2rem}

/* Headline highlight swash */
.hl{position:relative;white-space:nowrap;font-style:italic}
.hl::after{content:"";position:absolute;left:-.04em;right:-.04em;bottom:.08em;height:.30em;
  background:var(--accent);opacity:.38;border-radius:4px;z-index:-1;transform:skewX(-8deg)}

/* Section-head refinements */
.section-head .eyebrow{justify-content:center}
.section-head h2{margin-top:.4rem}

/* Nav link underline */
.nav-links a{position:relative}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-5px;height:2px;width:0;
  background:var(--accent);border-radius:2px;transition:width .28s var(--ease)}
.nav-links a:hover::after{width:100%}

/* Button + card micro-interactions */
.btn{transition:transform .14s var(--ease), box-shadow .14s var(--ease), background .14s var(--ease)}
.btn-primary:hover,.btn-accent:hover{transform:translateY(-1.5px)}
.cat-card,.feat-card{transition:transform .18s var(--ease), box-shadow .18s var(--ease), border-color .18s var(--ease)}
.cat-card:hover,.feat-card:hover{transform:translateY(-4px)}
.feat-card{position:relative;overflow:hidden}
.feat-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--accent);
  transform:scaleY(0);transform-origin:top;transition:transform .25s var(--ease)}
.feat-card:hover::before{transform:scaleY(1)}

/* Card titles pick up a touch of serif character */
.feat-card h3,.cat-card h3,.plan h3{font-family:var(--serif);font-weight:600;letter-spacing:-.01em}

/* Category icon flourish on hover */
.cat-card .ico{transition:transform .2s var(--ease), background .2s var(--ease)}
.cat-card:hover .ico{transform:scale(1.06) rotate(-3deg);background:var(--accent);color:#0A2540}

/* Result hero number in serif for a crafted feel */
.result-hero .value{font-family:var(--serif);font-weight:500}
.hero-card .big{font-family:var(--serif);font-weight:500}

/* CTA band depth */
.cta-band{background:
  radial-gradient(600px 300px at 80% -30%, rgba(200,169,106,.28), transparent 60%),
  linear-gradient(120deg, var(--brand-700), var(--brand))}
.cta-band h2{color:#fff}

/* ============================================================
   Homepage — bespoke sections
   ============================================================ */

/* Hero dot-grid texture + interactive mini calculator */
.hero::before{content:"";position:absolute;inset:0;pointer-events:none;
  background-image:radial-gradient(rgba(10,37,64,.06) 1px, transparent 1.3px);background-size:24px 24px;
  -webkit-mask-image:radial-gradient(1000px 620px at 74% 2%, #000, transparent 72%);
  mask-image:radial-gradient(1000px 620px at 74% 2%, #000, transparent 72%)}
.hero-inner{position:relative;z-index:1}
.hero-trust{display:flex;gap:1.3rem;align-items:center;margin-top:1.5rem;color:var(--muted);font-size:.85rem;flex-wrap:wrap}
.hero-trust span{display:inline-flex;align-items:center;gap:.4rem}
.hero-trust svg{color:var(--pos)}

.mini-calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);
  padding:26px;position:relative}
.mini-calc .mc-tag{position:absolute;top:-12px;left:26px;background:var(--accent);color:#0A2540;font-size:.68rem;
  font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.22rem .7rem;border-radius:999px}
.mini-calc h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);margin:.3rem 0 1rem}
.mc-out{text-align:center;padding:.2rem 0 1.1rem;border-bottom:1px solid var(--line-soft);margin-bottom:1.1rem}
.mc-out .amt{font-family:var(--serif);font-weight:500;font-size:3rem;color:var(--brand);line-height:1;letter-spacing:-.02em}
.mc-out .cap{font-size:.82rem;color:var(--muted);margin-top:.3rem}
.mc-field{margin-bottom:1rem}
.mc-field .row{display:flex;justify-content:space-between;font-size:.86rem;margin-bottom:.35rem;color:var(--ink-soft)}
.mc-field .row b{font-weight:700;color:var(--ink)}
.mc-field input[type=range]{width:100%;accent-color:var(--accent);height:4px}
.mc-cta{display:block;text-align:center;margin-top:.4rem;font-size:.85rem;font-weight:600}

/* Made-for strip */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.strip .wrap{display:flex;align-items:center;gap:1.6rem 2.4rem;flex-wrap:wrap;justify-content:center;padding:20px 22px}
.strip .lbl{font-size:.76rem;text-transform:uppercase;letter-spacing:.13em;color:var(--muted);font-weight:600}
.strip .who{font-family:var(--serif);font-size:1.06rem;color:var(--ink-soft);font-weight:500}

/* Bento popular grid */
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:158px;gap:16px}
.bento a{border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;
  justify-content:space-between;background:#fff;color:var(--ink);
  transition:transform .18s var(--ease),box-shadow .18s var(--ease)}
.bento a:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.bento .tag{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand)}
.bento h3{font-family:var(--serif);font-weight:600;color:var(--ink);margin:.3rem 0}
.bento p{font-size:.85rem;color:var(--muted);margin:0}
.bento .go{font-weight:600;font-size:.85rem;color:var(--brand);margin-top:.3rem}
.bento .feat-lg{grid-column:span 2;grid-row:span 2;background:
  radial-gradient(400px 200px at 90% 0%, rgba(200,169,106,.22), transparent 60%),
  linear-gradient(155deg,var(--brand),#12345C);color:#fff;border:0}
.bento .feat-lg .tag{color:var(--accent)}
.bento .feat-lg h3{color:#fff;font-size:1.7rem}
.bento .feat-lg p{color:rgba(255,255,255,.8);font-size:.95rem}
.bento .feat-lg .go{color:var(--accent)}
.bento .feat-lg .mini-amt{font-family:var(--serif);font-size:2.2rem;color:var(--accent);margin-top:.4rem}
.bento .feat-wide{grid-column:span 2}
@media(max-width:820px){.bento{grid-template-columns:1fr 1fr;grid-auto-rows:150px}
  .bento .feat-lg,.bento .feat-wide{grid-column:span 2}}

/* Showcase split (alternating) */
.showcase{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.showcase.flip .sc-text{order:2}
.showcase .sc-text h2{margin:.4rem 0 .6rem}
.showcase .sc-text p{color:var(--ink-soft);font-size:1.05rem;max-width:44ch}
.showcase .sc-list{list-style:none;padding:0;margin:1.2rem 0 0}
.showcase .sc-list li{display:flex;gap:.6rem;align-items:flex-start;margin:.6rem 0;font-size:.96rem;color:var(--ink-soft)}
.showcase .sc-list svg{flex:none;color:var(--brand);margin-top:3px}
@media(max-width:820px){.showcase{grid-template-columns:1fr;gap:28px}.showcase.flip .sc-text{order:0}}

.mock-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:24px}
.mock-card .mc-lbl{font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:.4rem}
.mock-formula{font-family:var(--mono);background:var(--ink);color:#e2e8f0;border-radius:10px;padding:14px 16px;font-size:.83rem;line-height:1.7;white-space:pre-wrap}
.mock-formula .g{color:#C8A96A}.mock-formula .c{color:#8aa0bd}
.mock-browser{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);overflow:hidden}
.mock-browser .topbar{background:var(--bg-alt);border-bottom:1px solid var(--line);padding:11px 14px;display:flex;gap:6px;align-items:center}
.mock-browser .topbar i{width:10px;height:10px;border-radius:50%;background:#cfd6de;display:inline-block}
.mock-browser .topbar .url{margin-left:12px;font-size:.74rem;color:var(--muted);font-family:var(--mono)}
.mock-browser .body{padding:20px}
.mock-embed{background:var(--ink);border-radius:12px;padding:18px;color:#fff}
.mock-embed .cap{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:#94a3b8}
.mock-embed .amt{font-family:var(--serif);font-size:2rem;color:var(--accent);margin:.2rem 0 .6rem}
.mock-embed .lead{display:flex;gap:.4rem;margin-top:.8rem}
.mock-embed .lead input{flex:1;border:0;border-radius:8px;padding:.45rem .6rem;font-size:.8rem}
.mock-embed .lead button{background:var(--accent);color:#0A2540;border:0;border-radius:8px;padding:.45rem .7rem;font-size:.8rem;font-weight:600}
.mock-embed .pw{text-align:right;font-size:.66rem;color:#94a3b8;margin-top:.5rem}

/* Impact band */
.band{background:radial-gradient(720px 340px at 86% -25%, rgba(200,169,106,.24), transparent 60%),
  linear-gradient(155deg,var(--brand-700),var(--brand));color:#fff;border-radius:var(--radius-lg);overflow:hidden;position:relative}
.band::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1.3px);
  background-size:26px 26px;pointer-events:none}
.band .wrap{padding:54px 44px;position:relative;z-index:1}
.band h2{color:#fff;max-width:22ch}
.band p{color:rgba(255,255,255,.8);max-width:52ch}
.band-nums{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:2.2rem}
.band-nums .n{font-family:var(--serif);font-weight:500;font-size:2.7rem;color:var(--accent);line-height:1}
.band-nums .l{color:rgba(255,255,255,.72);font-size:.9rem;margin-top:.3rem}
@media(max-width:700px){.band-nums{grid-template-columns:1fr 1fr;gap:20px}}

/* Testimonial */
.quote{max-width:840px;margin:0 auto;text-align:center}
.quote .mark{font-family:var(--serif);font-size:4.4rem;color:var(--accent);line-height:.5;display:block;height:.55em}
.quote blockquote{font-family:var(--serif);font-weight:500;font-size:clamp(1.4rem,2.7vw,2.05rem);line-height:1.34;
  color:var(--ink);margin:.6rem 0 1.4rem}
.quote .by{color:var(--muted);font-size:.95rem}
.quote .by b{color:var(--ink)}

/* ---------- On-page SEO content ---------- */
.seo-content{max-width:820px}
.seo-content h3{font-family:var(--serif);font-weight:600;font-size:1.25rem}
.seo-steps{margin:.6rem 0 0;padding-left:1.2rem;color:var(--ink-soft)}
.seo-steps li{margin:.5rem 0;padding-left:.3rem}
.seo-faq{margin-top:.6rem}
.seo-faq details{border-bottom:1px solid var(--line);padding:.9rem 0}
.seo-faq summary{font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;color:var(--ink)}
.seo-faq summary::-webkit-details-marker{display:none}
.seo-faq summary::after{content:"+";color:var(--brand);font-size:1.3rem;line-height:1}
.seo-faq details[open] summary::after{content:"−"}
.seo-faq p{margin:.7rem 0 0;color:var(--ink-soft);font-size:.95rem}

/* ---------- Amortization schedule + payoff graph ---------- */
#amortSection .wrap{max-width:var(--maxw)}
.amort-graph{width:100%;height:190px;display:block;border:1px solid var(--line);border-radius:12px;background:#fff}
.amort-toggle{display:flex;gap:.4rem;align-items:center;margin:1rem 0 .7rem}
.amort-toggle .tbtn{padding:.4rem .9rem;border:1px solid var(--line);background:#fff;border-radius:999px;font-size:.85rem;font-weight:600;color:var(--ink);cursor:pointer}
.amort-toggle .tbtn.active{background:var(--brand);color:#fff;border-color:var(--brand)}
#amortSection .tbl-wrap{overflow:auto}

/* ---------- Definitions ---------- */
.defs{margin:0;display:grid;gap:.1rem}
.defs>div{padding:.9rem 0;border-bottom:1px solid var(--line)}
.defs dt{font-weight:700;color:var(--ink);font-size:.98rem;margin-bottom:.2rem}
.defs dd{margin:0;color:var(--ink-soft);font-size:.94rem}

/* Keep print to a clean one-page report (tool + results) */
@media print{#amortSection,.defs-sec{display:none!important}}