/* Home Loan Toolkit — shared styles. Mobile-first, fast, no framework. */
:root {
  --bg: #f6f8fb;
  --card: #ffffff;
  --ink: #16202c;
  --muted: #5b6b7b;
  --line: #e3e8ef;
  --brand: #0b6b53;
  --brand-2: #0e8a6a;
  --accent: #1763d6;
  --good: #0b8a4b;
  --warn: #b25b00;
  --radius: 14px;
  --shadow: 0 1px 3px rgba(16,32,44,.06), 0 8px 24px rgba(16,32,44,.05);
  font-synthesis: none;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 860px; margin: 0 auto; padding: 0 18px; }

/* header / nav */
.site-header {
  background: var(--brand);
  color: #fff;
}
.site-header .container { display: flex; align-items: center; gap: 16px; min-height: 58px; flex-wrap: wrap; }
.brand { font-weight: 800; font-size: 1.12rem; color: #fff; letter-spacing: -.3px; }
.brand:hover { text-decoration: none; opacity: .92; }
.nav { display: flex; gap: 14px; flex-wrap: wrap; margin-left: auto; }
.nav a { color: #d7efe7; font-size: .92rem; }
.nav a:hover { color: #fff; }

/* hero */
.hero { padding: 30px 0 6px; }
.hero h1 { font-size: 1.85rem; line-height: 1.2; margin: 0 0 8px; letter-spacing: -.5px; }
.hero p { color: var(--muted); margin: 0 0 6px; font-size: 1.05rem; }
.kicker { display: inline-block; background: #e7f5ef; color: var(--brand); font-weight: 700;
  font-size: .76rem; padding: 4px 10px; border-radius: 999px; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .4px; }

/* cards / calculator */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 20px; margin: 18px 0; }
.calc h2, .card h2 { margin-top: 0; }
.grid { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
@media (max-width: 600px) { .grid { grid-template-columns: 1fr; } }
label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 5px; }
.hint { color: var(--muted); font-weight: 400; font-size: .82rem; }
input[type="number"], select {
  width: 100%; padding: 11px 12px; font-size: 1rem; border: 1px solid var(--line);
  border-radius: 10px; background: #fff; color: var(--ink);
}
input:focus, select:focus { outline: 2px solid var(--brand-2); border-color: var(--brand-2); }
.btn {
  display: inline-block; background: var(--brand); color: #fff; border: 0; cursor: pointer;
  padding: 12px 20px; font-size: 1rem; font-weight: 700; border-radius: 10px; margin-top: 6px;
}
.btn:hover { background: var(--brand-2); text-decoration: none; }

/* results */
.results { margin-top: 18px; }
.result-grid { display: grid; gap: 12px; grid-template-columns: 1fr 1fr; }
@media (max-width: 600px) { .result-grid { grid-template-columns: 1fr; } }
.stat { background: #f3f7f5; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; }
.stat .label { font-size: .8rem; color: var(--muted); margin-bottom: 4px; }
.stat .value { font-size: 1.4rem; font-weight: 800; letter-spacing: -.4px; }
.stat.highlight { background: #e7f5ef; border-color: #bfe6d5; }
.stat.highlight .value { color: var(--good); }
.compare { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; margin-top: 12px; }
@media (max-width: 600px) { .compare { grid-template-columns: 1fr; } }
.option-box { border: 1px solid var(--line); border-radius: 12px; padding: 16px; }
.option-box h4 { margin: 0 0 10px; }
.option-box.win { border-color: #bfe6d5; background: #f3fbf7; }
.badge-win { background: var(--good); color: #fff; font-size: .72rem; font-weight: 700; padding: 2px 8px; border-radius: 999px; }

/* affiliate CTA */
.cta {
  margin: 18px 0; padding: 18px 20px; border-radius: var(--radius);
  background: linear-gradient(120deg, #0b6b53, #0e8a6a); color: #fff;
}
.cta h3 { margin: 0 0 6px; color: #fff; }
.cta p { margin: 0 0 12px; color: #e7f5ef; }
.cta .btn { background: #fff; color: var(--brand); }
.cta .btn:hover { background: #eafaf3; }
.cta .disclosure { font-size: .76rem; color: #cfeee2; margin: 10px 0 0; }

/* content */
.prose h2 { margin-top: 30px; font-size: 1.4rem; }
.prose h3 { margin-top: 22px; font-size: 1.12rem; }
.prose table { width: 100%; border-collapse: collapse; margin: 14px 0; font-size: .94rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 9px 11px; text-align: left; }
.prose th { background: #f3f7f5; }
.note { background: #fff8ec; border: 1px solid #f3e2bf; border-radius: 12px; padding: 14px 16px; margin: 16px 0; }
.note strong { color: var(--warn); }
.faq dt { font-weight: 700; margin-top: 16px; }
.faq dd { margin: 6px 0 0; color: var(--ink); }

/* footer */
.site-footer { margin-top: 40px; background: #0f1a16; color: #b9c7c0; }
.site-footer .container { padding: 26px 18px; }
.site-footer a { color: #d7efe7; }
.site-footer .small { font-size: .82rem; color: #8aa098; margin-top: 10px; }

canvas { max-width: 100%; }
.muted { color: var(--muted); }
.tac { text-align: center; }