/* Loans by Hutch — powered by NEXA Lending
   Palette pulled from NEXA's brand tokens: blue #0162CA, navy #00224F, orange #FF8201 */
:root {
  --navy: #00224F;
  --navy-deep: #001A3D;
  --blue: #0162CA;
  --blue-ink: #014A99;
  --orange: #FF8201;
  --orange-hover: #FF962E;
  --ground: #F3F6FA;
  --paper: #FFFFFF;
  --sky: #E5EFFA;
  --ink: #172033;
  --muted: #566175;
  --line: #D9E1EC;
  --line-strong: #B6C4D7;
  --on-navy: #C6D3E6;
  --on-navy-line: rgba(255, 255, 255, 0.14);
  --good-bg: #D8F0E3; --good-ink: #0F5132;
  --warn-bg: #FCEBC9; --warn-ink: #714500;
  --bad-bg: #F8D8D5;  --bad-ink: #8C1D18;
  --ph-bg: #FFF0DB; --ph-ink: #7A4600;

  --font-display: "Red Hat Display", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Red Hat Text", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-mono: "Red Hat Mono", ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;

  --wrap: 1160px;
  --radius: 10px;
  --header-h: 76px;
}

html { color-scheme: light; scroll-behavior: smooth; }
*, *::before, *::after { box-sizing: border-box; }
body {
  margin: 0;
  background: var(--ground);
  color: var(--ink);
  font: 400 1rem/1.6 var(--font-body);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--blue-ink); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 4px; }
[id] { scroll-margin-top: calc(var(--header-h) + 16px); }
[hidden] { display: none !important; }

.wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: 20px; }

/* ---------- Type ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--navy); margin: 0; text-wrap: balance; }
h1 { font-size: clamp(2.1rem, 1.35rem + 2.7vw, 3.35rem); line-height: 1.07; font-weight: 800; letter-spacing: -0.022em; }
h2 { font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.25rem); line-height: 1.15; font-weight: 700; letter-spacing: -0.015em; }
h3 { font-size: 1.15rem; line-height: 1.3; font-weight: 700; }
p { margin: 0; max-width: 66ch; }
.lead { font-size: 1.14rem; color: var(--muted); }
.small { font-size: 0.82rem; color: var(--muted); line-height: 1.55; }
.mono { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }
.eyebrow {
  font-family: var(--font-display); font-weight: 700; font-size: 0.76rem;
  letter-spacing: 0.13em; text-transform: uppercase; color: var(--blue);
}
.hl { color: var(--blue); }
.ph { background: var(--ph-bg); color: var(--ph-ink); font-family: var(--font-mono); font-size: 0.86em; padding: 0.05em 0.35em; border-radius: 3px; white-space: nowrap; }
.stack > * + * { margin-top: 1rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font-family: var(--font-display); font-weight: 700; font-size: 0.97rem; line-height: 1;
  padding: 0.85rem 1.3rem; border-radius: 6px; border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer; transition: background-color .15s, border-color .15s, color .15s, transform .15s;
}
.btn-apply { background: var(--orange); color: var(--navy); }
.btn-apply:hover { background: var(--orange-hover); color: var(--navy); }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-ink); color: #fff; }
.btn-ghost { background: var(--paper); color: var(--navy); border-color: var(--line-strong); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn-ghost-light:hover { border-color: #fff; color: #fff; }
.btn-block { width: 100%; }
.text-link { font-family: var(--font-display); font-weight: 700; text-decoration: none; }
.text-link:hover { text-decoration: underline; }

/* ---------- Preview bar ---------- */
.preview-bar { background: var(--orange); color: var(--navy); font: 600 0.8rem/1.4 var(--font-display); text-align: center; padding-block: 0.45rem; padding-inline: 20px; }

/* ---------- Header ---------- */
.skip { position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: .6rem 1rem; z-index: 100; }
.skip:focus { left: 12px; top: 12px; }
.utility { background: var(--navy); color: var(--on-navy); font-size: 0.8rem; }
.utility-in { display: flex; flex-wrap: wrap; align-items: center; gap: 0.35rem 1.25rem; padding-block: 0.45rem; }
.utility a { color: #fff; text-decoration: none; }
.utility a:hover { text-decoration: underline; color: #fff; }
.utility .u-right { margin-left: auto; display: flex; gap: 1.25rem; }
.utility .sep { opacity: .45; }

.site-header { position: sticky; top: 0; z-index: 50; background: var(--paper); border-bottom: 1px solid var(--line); }
.header-in { display: flex; align-items: center; justify-content: space-between; gap: 1.25rem; min-height: var(--header-h); position: relative; }
.brand { display: flex; align-items: center; gap: 0.7rem; text-decoration: none; color: var(--navy); flex-shrink: 0; }
.brand svg { width: 42px; height: 42px; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-weight: 800; font-size: 1.28rem; letter-spacing: -0.01em; color: var(--navy); }
.brand-name em { font-style: normal; font-weight: 500; color: var(--muted); }
.brand-powered { font-family: var(--font-display); font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }
.brand-powered strong { color: var(--navy); font-weight: 800; }

.site-nav { display: flex; align-items: center; gap: 1.4rem; }
.site-nav ul { display: flex; gap: 1.15rem; list-style: none; margin: 0; padding: 0; }
.site-nav ul a { font-family: var(--font-display); font-weight: 600; font-size: 0.94rem; color: var(--ink); text-decoration: none; padding-block: 0.4rem; border-bottom: 2px solid transparent; }
.site-nav ul a:hover { color: var(--blue); }
.site-nav ul a[aria-current="page"] { color: var(--blue); border-bottom-color: var(--blue); }
.nav-toggle { display: none; background: var(--paper); border: 1.5px solid var(--line-strong); border-radius: 6px; padding: 0.55rem 0.85rem; font: 700 0.9rem var(--font-display); color: var(--navy); cursor: pointer; }

@media (max-width: 1080px) {
  .nav-toggle { display: inline-flex; }
  .site-nav { display: none; position: absolute; top: 100%; left: -20px; right: -20px; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 1rem; padding-block: 0.5rem 1.25rem; padding-inline: 20px; box-shadow: 0 16px 30px -20px rgba(0,34,79,.35); }
  .site-nav.open { display: flex; }
  .site-nav ul { flex-direction: column; gap: 0; }
  .site-nav ul a { display: block; padding-block: 0.8rem; border-bottom: 1px solid var(--line); }
  .site-nav ul a[aria-current="page"] { border-bottom-color: var(--line); }
}
@media (max-width: 640px) {
  .utility .u-email, .utility .u-states { display: none; }
  .brand-name { font-size: 1.12rem; }
  .brand svg { width: 36px; height: 36px; }
}

/* ---------- Sections ---------- */
.section { padding-block: clamp(2.75rem, 5vw, 4.5rem); }
.section.paper { background: var(--paper); }
.section.navy { background: var(--navy); color: var(--on-navy); }
.section.navy h2, .section.navy h3 { color: #fff; }
.section-head { display: grid; gap: 0.6rem; margin-bottom: clamp(1.75rem, 3vw, 2.5rem); max-width: 720px; }
.section-head.split { max-width: none; grid-template-columns: 1fr auto; align-items: end; gap: 1rem 2rem; }
@media (max-width: 720px) { .section-head.split { grid-template-columns: 1fr; } }

/* ---------- Home hero ---------- */
.hero { padding-block: clamp(2.5rem, 5vw, 4.5rem); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 0.85fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero-copy { display: grid; gap: 1.25rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: center; margin-top: 0.5rem; }
.hero-call { font-family: var(--font-display); font-weight: 700; color: var(--navy); text-decoration: none; padding-inline: 0.4rem; }
.hero-call span { color: var(--muted); font-weight: 500; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }

.cred {
  background: var(--paper); border: 1px solid var(--line); border-radius: 14px;
  padding: 1.5rem; box-shadow: 0 22px 44px -28px rgba(0, 34, 79, 0.45);
  max-width: 440px; width: 100%; justify-self: end;
}
@media (max-width: 900px) { .cred { justify-self: start; } }
.cred-top { display: flex; align-items: center; gap: 1rem; }
.cred-top img { width: 96px; height: 96px; border-radius: 50%; border: 4px solid var(--sky); flex-shrink: 0; }
.cred-top h3 { font-size: 1.2rem; }
.cred-top p { color: var(--muted); font-size: 0.9rem; }
.cred-rows { margin: 1.25rem 0 0; display: grid; }
.cred-rows > div { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding-block: 0.6rem; border-top: 1px dashed var(--line-strong); }
.cred-rows dt { color: var(--muted); font-size: 0.86rem; }
.cred-rows dd { margin: 0; font-family: var(--font-mono); font-weight: 500; color: var(--navy); font-size: 0.92rem; text-align: right; }
.cred-foot { margin-top: 0.4rem; padding-top: 1rem; border-top: 1px solid var(--line); display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.nexa-mark { font-family: var(--font-display); font-weight: 800; color: var(--ink); letter-spacing: 0.02em; line-height: 1; }
.nexa-mark small { display: block; font-size: 0.62rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }
.nexa-mark span { font-size: 1.15rem; }
.nexa-mark i { font-style: normal; font-weight: 600; font-size: 0.92rem; }
.cred-foot a { font-size: 0.82rem; }

/* ---------- Paths ---------- */
.paths { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1rem; }
@media (max-width: 960px) { .paths { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 540px) { .paths { grid-template-columns: 1fr; } }
.path {
  display: grid; grid-template-rows: auto auto 1fr auto; gap: 0.55rem;
  padding: 1.35rem; border: 1px solid var(--line); border-radius: var(--radius);
  background: var(--ground); color: var(--ink); text-decoration: none;
  transition: border-color .15s, transform .15s, background-color .15s;
}
.path:hover { border-color: var(--blue); background: var(--paper); color: var(--ink); transform: translateY(-2px); }
.path svg { width: 30px; height: 30px; color: var(--blue); }
.path p { color: var(--muted); font-size: 0.93rem; }
.path .go { font-family: var(--font-display); font-weight: 700; color: var(--blue); font-size: 0.9rem; }

/* ---------- Program index ---------- */
.programs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: clamp(2rem, 5vw, 4rem); }
@media (max-width: 760px) { .programs { grid-template-columns: 1fr; } }
.prog { display: grid; gap: 0.35rem; padding-block: 1.2rem; border-top: 1px solid var(--line-strong); }
.prog-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
.prog-head a { color: var(--navy); text-decoration: none; }
.prog-head a:hover { color: var(--blue); text-decoration: underline; }
.fit { font-family: var(--font-mono); font-size: 0.72rem; color: var(--blue-ink); background: var(--sky); padding: 0.15rem 0.5rem; border-radius: 4px; white-space: nowrap; }
.prog p { color: var(--muted); font-size: 0.95rem; }
.prog.detail { padding-block: 1.75rem; gap: 0.75rem; }
.prog.detail h2 { font-size: 1.5rem; }

/* ---------- Broker band ---------- */
.trio { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(1.5rem, 4vw, 3rem); }
@media (max-width: 820px) { .trio { grid-template-columns: 1fr; } }
.trio > div { display: grid; gap: 0.5rem; align-content: start; }
.section.navy .trio p { color: var(--on-navy); }
.section.navy .eyebrow { color: var(--orange); }
.trio .kicker { font-family: var(--font-mono); font-size: 0.78rem; color: var(--orange); letter-spacing: 0.04em; }
.section:not(.navy) .trio .kicker { color: var(--blue); }
.section:not(.navy) .trio p { color: var(--muted); }

/* ---------- Steps ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 1.5rem; counter-reset: step; }
.steps li { counter-increment: step; display: grid; gap: 0.4rem; align-content: start; padding-top: 1rem; border-top: 2px solid var(--navy); }
.steps li::before { content: "Step " counter(step); font-family: var(--font-mono); font-size: 0.78rem; color: var(--blue); }
.steps p { color: var(--muted); font-size: 0.93rem; }

/* ---------- Tools teaser ---------- */
.tools { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
@media (max-width: 860px) { .tools { grid-template-columns: 1fr; } }
.tool-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line-strong); }
.tool-list a { display: grid; grid-template-columns: 1fr auto; gap: 0.15rem 1rem; padding-block: 0.95rem; border-bottom: 1px solid var(--line-strong); text-decoration: none; color: var(--ink); }
.tool-list a:hover strong { color: var(--blue); }
.tool-list strong { font-family: var(--font-display); color: var(--navy); font-size: 1.05rem; }
.tool-list span { color: var(--muted); font-size: 0.9rem; grid-column: 1; }
.tool-list .arrow { grid-column: 2; grid-row: 1 / span 2; align-self: center; color: var(--blue); font-family: var(--font-display); font-weight: 700; }

/* ---------- Reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
@media (max-width: 860px) { .reviews { grid-template-columns: 1fr; } }
.review { margin: 0; padding: 1.35rem; border: 1.5px dashed var(--line-strong); border-radius: var(--radius); display: grid; gap: 0.75rem; background: var(--paper); }
.review .stars { color: var(--orange); letter-spacing: 0.15em; font-size: 0.95rem; }
.review blockquote { margin: 0; color: var(--muted); font-style: italic; }
.review figcaption { font-family: var(--font-display); font-weight: 700; color: var(--navy); font-size: 0.9rem; }

/* ---------- Page hero (inner) ---------- */
.page-hero { background: var(--navy); color: var(--on-navy); padding-block: clamp(2.5rem, 5vw, 4rem); }
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero .lead { color: var(--on-navy); max-width: 62ch; }
.page-hero .eyebrow { color: var(--orange); }
.page-hero-in { display: grid; gap: 1.1rem; }
.page-hero .hero-actions .hero-call { color: #fff; }
.page-hero .hero-actions .hero-call span { color: var(--on-navy); }

/* ---------- Content blocks ---------- */
.two-col { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; } }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.6rem; }
.checklist li { position: relative; padding-left: 1.6rem; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 0.5em; width: 0.7rem; height: 0.38rem; border-left: 2.5px solid var(--blue); border-bottom: 2.5px solid var(--blue); transform: rotate(-45deg); }
.panel { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.25rem, 3vw, 1.75rem); display: grid; gap: 0.9rem; align-content: start; }
.note { background: var(--sky); border-radius: 8px; padding: 1rem 1.2rem; color: var(--ink); font-size: 0.93rem; }
.note strong { font-family: var(--font-display); color: var(--navy); }
.gov-note { font-size: 0.85rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 1rem; }

.faq { border-top: 1px solid var(--line-strong); }
.faq details { border-bottom: 1px solid var(--line-strong); }
.faq summary { cursor: pointer; list-style: none; padding-block: 1rem; font-family: var(--font-display); font-weight: 700; color: var(--navy); display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-mono); color: var(--blue); font-size: 1.1rem; }
.faq details[open] summary::after { content: "–"; }
.faq details > p { padding-bottom: 1.1rem; color: var(--muted); }

/* ---------- Forms ---------- */
.quote-grid { display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
@media (max-width: 880px) { .quote-grid { grid-template-columns: 1fr; } }
.contact-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.7rem; }
.contact-list li { display: grid; grid-template-columns: 5.5rem 1fr; gap: 1rem; align-items: baseline; }
.contact-list .k { font-family: var(--font-display); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.contact-list a { color: var(--navy); font-weight: 600; text-decoration: none; }
.contact-list a:hover { color: var(--blue); text-decoration: underline; }

.form { background: var(--ground); border: 1px solid var(--line); border-radius: 12px; padding: clamp(1.25rem, 3vw, 1.75rem); display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0.95rem 1rem; }
.section.paper .form { background: var(--ground); }
.section:not(.paper) .form { background: var(--paper); }
@media (max-width: 520px) { .form { grid-template-columns: 1fr; } }
.form .full { grid-column: 1 / -1; }
.form h3 { grid-column: 1 / -1; }
.field { display: grid; gap: 0.35rem; }
.field > span, .field legend { font-family: var(--font-display); font-weight: 600; font-size: 0.86rem; color: var(--ink); }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea {
  width: 100%; font: 400 1rem/1.4 var(--font-body); color: var(--ink);
  background: var(--paper); border: 1.5px solid var(--line-strong); border-radius: 6px; padding: 0.68rem 0.8rem;
}
.field textarea { min-height: 96px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(1, 98, 202, 0.2); }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 0.65rem; font-size: 0.76rem; line-height: 1.5; color: var(--muted); }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--blue); }
.form-status { font-size: 0.9rem; font-weight: 600; color: var(--navy); min-height: 1.2em; }
.hp { position: absolute; left: -9999px; }

/* ---------- Calculators ---------- */
.tabs { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1.75rem; }
.tab { font: 700 0.93rem var(--font-display); color: var(--navy); background: var(--paper); border: 1.5px solid var(--line-strong); border-radius: 999px; padding: 0.6rem 1.1rem; cursor: pointer; }
.tab:hover { border-color: var(--navy); }
.tab[aria-selected="true"] { background: var(--navy); border-color: var(--navy); color: #fff; }
.calc { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: clamp(1.5rem, 4vw, 3rem); align-items: start; }
@media (max-width: 880px) { .calc { grid-template-columns: 1fr; } }
.calc-inputs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0.95rem 1rem; align-content: start; }
@media (max-width: 520px) { .calc-inputs { grid-template-columns: 1fr; } }
.calc-inputs .full { grid-column: 1 / -1; }
.calc-intro { grid-column: 1 / -1; display: grid; gap: 0.4rem; margin-bottom: 0.25rem; }
.calc-intro p { color: var(--muted); }
.affix { position: relative; }
.affix input { font-family: var(--font-mono) !important; font-variant-numeric: tabular-nums; }
.affix.pre input { padding-left: 1.75rem !important; }
.affix.post input { padding-right: 2.6rem !important; }
.affix::before { position: absolute; top: 50%; transform: translateY(-50%); font-family: var(--font-mono); color: var(--muted); pointer-events: none; font-size: 0.95rem; }
.affix.pre::before { content: "$"; left: 0.8rem; }
.affix.post::before { content: attr(data-unit); right: 0.8rem; }
.check-field { display: flex; gap: 0.6rem; align-items: center; font-family: var(--font-display); font-weight: 600; font-size: 0.9rem; padding-block: 0.4rem; }
.check-field input { width: 18px; height: 18px; accent-color: var(--blue); }
.seg { border: 0; padding: 0; margin: 0; display: grid; gap: 0.35rem; }
.seg-opts { display: grid; grid-template-columns: repeat(3, 1fr); border: 1.5px solid var(--line-strong); border-radius: 6px; overflow: hidden; background: var(--paper); }
.seg-opts label { position: relative; text-align: center; padding: 0.55rem 0.4rem; font: 600 0.84rem/1.25 var(--font-display); color: var(--navy); cursor: pointer; }
.seg-opts label + label { border-left: 1.5px solid var(--line-strong); }
.seg-opts input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.seg-opts label:has(input:checked) { background: var(--blue); color: #fff; }
.seg-opts label:has(input:focus-visible) { outline: 3px solid var(--blue); outline-offset: -3px; }
.seg-opts small { display: block; font-family: var(--font-mono); font-weight: 400; font-size: 0.72rem; opacity: 0.85; }

.calc-out { background: var(--navy); color: var(--on-navy); border-radius: 14px; padding: clamp(1.25rem, 3vw, 1.75rem); position: sticky; top: calc(var(--header-h) + 16px); display: grid; gap: 0.9rem; }
@media (max-width: 880px) { .calc-out { position: static; } }
.calc-out .out-label { font-family: var(--font-display); font-weight: 700; font-size: 0.74rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--on-navy); }
.calc-out .big { font-family: var(--font-mono); font-weight: 600; font-size: clamp(2.2rem, 1.6rem + 2vw, 2.9rem); color: #fff; line-height: 1; font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }
.calc-out .big small { font-size: 0.4em; font-weight: 400; color: var(--on-navy); letter-spacing: 0; margin-left: 0.2em; }
.rows { margin: 0; display: grid; }
.rows > div { display: flex; justify-content: space-between; gap: 1rem; padding-block: 0.52rem; border-top: 1px solid var(--on-navy-line); font-size: 0.92rem; }
.rows dt { color: var(--on-navy); }
.rows dd { margin: 0; font-family: var(--font-mono); color: #fff; font-variant-numeric: tabular-nums; text-align: right; }
.rows .total dt, .rows .total dd { color: #fff; font-weight: 700; }
.chip { display: inline-block; font: 700 0.78rem/1 var(--font-display); padding: 0.4rem 0.6rem; border-radius: 999px; justify-self: start; }
.chip.good { background: var(--good-bg); color: var(--good-ink); }
.chip.warn { background: var(--warn-bg); color: var(--warn-ink); }
.chip.bad { background: var(--bad-bg); color: var(--bad-ink); }
.calc-out .btn { margin-top: 0.3rem; }
.calc-note { font-size: 0.8rem; color: var(--on-navy); line-height: 1.5; }
.calc-disclaimer { margin-top: 1.75rem; font-size: 0.8rem; color: var(--muted); max-width: 90ch; }

/* ---------- Legal page ---------- */
.legal { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
@media (max-width: 820px) { .legal { grid-template-columns: 1fr; } }
.legal-nav { position: sticky; top: calc(var(--header-h) + 16px); display: grid; gap: 0.2rem; }
@media (max-width: 820px) { .legal-nav { position: static; } }
.legal-nav a { font-family: var(--font-display); font-weight: 600; color: var(--navy); text-decoration: none; padding: 0.4rem 0; border-bottom: 1px solid var(--line); }
.legal-body { display: grid; gap: 2.5rem; }
.legal-body section { display: grid; gap: 0.8rem; }
.legal-body h2 { font-size: 1.5rem; }
.legal-body h3 { font-size: 1rem; margin-top: 0.5rem; }
.legal-body ul { margin: 0; padding-left: 1.2rem; display: grid; gap: 0.35rem; max-width: 66ch; }
.draft-flag { font-family: var(--font-mono); font-size: 0.78rem; color: var(--ph-ink); background: var(--ph-bg); padding: 0.5rem 0.75rem; border-radius: 6px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #AFC0D6; font-size: 0.9rem; }
.site-footer a { color: #E4ECF6; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.foot-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 2rem; padding-block: 3.25rem 2.25rem; }
@media (max-width: 900px) { .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }
.foot-grid h3 { color: #fff; font-size: 0.74rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 0.9rem; }
.foot-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.5rem; }
.foot-brand { display: grid; gap: 1rem; align-content: start; }
.foot-brand .brand-name { color: #fff; }
.foot-brand .brand-name em { color: #AFC0D6; }
.foot-brand .brand-powered, .foot-brand .brand-powered strong { color: #AFC0D6; }
.foot-brand .brand-powered strong { color: #fff; }
.foot-social { display: flex; flex-wrap: wrap; gap: 0.4rem 1rem; font-size: 0.85rem; }
.foot-legal { display: grid; grid-template-columns: auto 1fr; gap: 1.25rem; padding-block: 1.75rem; border-top: 1px solid rgba(255,255,255,.12); font-size: 0.78rem; line-height: 1.65; }
.foot-legal svg { width: 58px; height: auto; color: #fff; }
.foot-legal p { max-width: none; }
.foot-legal p + p { margin-top: 0.6rem; }
.foot-legal strong { color: #fff; font-weight: 600; }
.foot-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.75rem 1.5rem; padding-block: 1.1rem 1.6rem; border-top: 1px solid rgba(255,255,255,.12); font-size: 0.78rem; }
.foot-bottom nav { display: flex; flex-wrap: wrap; gap: 0.4rem 1.1rem; }
@media (max-width: 520px) { .foot-legal { grid-template-columns: 1fr; } }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}
.review-note { margin-top: 1rem; }

.foot-logos { display: grid; gap: 0.9rem; align-content: start; justify-items: center; }