/* ==========================================================================
   Franklin Direct — shared brand stylesheet
   Colors sampled from the Franklin Direct logo (#156BB6).
   Used by: /, /buying-power/, /tax-savings/
   ========================================================================== */

:root{
  --franklin:#156BB6;
  --franklin-deep:#0E4C7E;
  --navy:#0B3255;
  --navy-2:#0F4373;
  --sky:#3F97DE;
  --sky-2:#63B0EC;
  --tint:#EEF5FB;
  --tint-2:#F6FAFD;
  --ink:#10222F;
  --muted:#5D6B78;
  --muted-2:#8794A0;
  --line:#DCE6EE;
  --white:#FFFFFF;
  --gold:#C8862B;
  --gold-tint:#FDF6EA;
  --gold-line:#F0DCB8;
  --shadow:0 20px 60px -24px rgba(11,50,85,.30);
  --shadow-sm:0 2px 10px -4px rgba(11,50,85,.18);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--ink);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  background:
    radial-gradient(1200px 600px at 85% -10%, #E4F0FA 0%, rgba(228,240,250,0) 60%),
    radial-gradient(1000px 500px at -10% 10%, #EDF5FB 0%, rgba(237,245,251,0) 55%),
    #F4F8FC;
}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}

/* ---------- skip link (a11y) ---------- */
.skip{
  position:absolute;left:-9999px;top:0;z-index:100;padding:12px 18px;background:var(--franklin);
  color:#fff;font-weight:600;border-radius:0 0 10px 0;text-decoration:none;
}
.skip:focus{left:0}

/* ---------- site header ---------- */
.site-head{
  background:rgba(255,255,255,.86);backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;
}
.head-in{display:flex;align-items:center;gap:18px;padding:13px 22px;max-width:1080px;margin:0 auto}
.brand{display:flex;align-items:center;flex:none;text-decoration:none}
.brand img{height:42px;width:auto;display:block}
.nav{display:flex;align-items:center;gap:1px;margin-left:6px;flex-wrap:wrap}
.nav a{
  font-size:.84rem;font-weight:500;color:var(--muted);text-decoration:none;
  padding:8px 9px;border-radius:9px;white-space:nowrap;transition:background .14s,color .14s;
}

.nav a:hover{color:var(--franklin-deep);background:var(--tint)}
.nav a[aria-current="page"]{color:var(--franklin-deep);font-weight:600;background:var(--tint)}
.head-cta{display:flex;align-items:center;gap:10px;margin-left:auto;flex:none}
.head-phone{
  font-weight:600;font-size:.88rem;color:var(--franklin-deep);text-decoration:none;
  display:inline-flex;align-items:center;gap:7px;padding:8px 12px;border-radius:999px;white-space:nowrap;
}
.head-phone:hover{background:var(--tint)}
.head-phone svg{width:14px;height:14px;stroke:var(--franklin);flex:none}
/* The officer bar directly below already carries a call button, so the header
   phone is redundant — hiding it keeps six nav items on a single row. */
.head-in .head-phone{display:none}
.btn-apply{
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.88rem;color:#fff;text-decoration:none;
  padding:10px 18px;border-radius:999px;white-space:nowrap;
  background:linear-gradient(180deg,var(--franklin) 0%,var(--franklin-deep) 100%);
  box-shadow:0 6px 16px -6px rgba(21,107,182,.65);transition:transform .14s,box-shadow .14s;
}
.btn-apply:hover{transform:translateY(-1px);box-shadow:0 10px 20px -8px rgba(21,107,182,.75)}
@media (max-width:980px){
  .head-in{flex-wrap:wrap;gap:10px;padding:11px 16px}
  .nav{order:3;width:100%;margin-left:0;justify-content:flex-start;gap:2px}
  .nav a{padding:7px 10px;font-size:.83rem}
  .head-cta{margin-left:auto}
  .head-phone{display:none}
}
@media (max-width:560px){
  .nav{gap:0}
  .nav a, .nav button{padding:7px 8px;font-size:.78rem}
}
@media (max-width:400px){
  .brand img{height:36px}
  .btn-apply{padding:9px 14px;font-size:.82rem}
}

/* ---------- loan officer identity bar ---------- */
.officer{background:var(--white);border-bottom:1px solid var(--line)}
.officer-in{max-width:1080px;margin:0 auto;padding:13px 22px;display:flex;align-items:center;gap:15px;flex-wrap:wrap}
.officer-photo{
  width:54px;height:54px;border-radius:50%;object-fit:cover;flex:none;
  border:2px solid var(--tint);box-shadow:0 2px 8px -3px rgba(11,50,85,.35);background:var(--tint);
}
.officer-id{min-width:0;line-height:1.35}
.officer-id b{
  display:block;font-family:'Manrope',sans-serif;font-weight:800;font-size:1.06rem;
  letter-spacing:-.015em;color:var(--ink);
}
.officer-id span{display:block;font-size:.79rem;color:var(--muted-2)}
.officer-contact{margin-left:auto;display:flex;align-items:center;gap:9px;flex-wrap:wrap}
.officer-contact a{
  display:inline-flex;align-items:center;gap:7px;padding:9px 15px;border-radius:999px;
  font-size:.87rem;font-weight:600;text-decoration:none;white-space:nowrap;transition:all .14s ease;
}
.officer-contact svg{width:15px;height:15px;flex:none}
.oc-call{background:var(--tint);color:var(--franklin-deep);border:1px solid #D5E6F4}
.oc-call svg{stroke:var(--franklin)}
.oc-call:hover{background:#E3EFF9;border-color:var(--sky)}
.oc-mail{background:transparent;color:var(--muted);border:1px solid var(--line)}
.oc-mail svg{stroke:var(--muted-2)}
.oc-mail:hover{color:var(--franklin-deep);border-color:var(--sky)}
@media (max-width:720px){
  .officer-in{padding:12px 16px;gap:12px}
  .officer-photo{width:46px;height:46px}
  .officer-id b{font-size:.98rem}
  .officer-id span{font-size:.74rem}
  .officer-contact{margin-left:0;width:100%;gap:8px}
  .officer-contact a{flex:1;justify-content:center;padding:10px 10px;font-size:.83rem}
  .oc-mail{font-size:.78rem}
}
.oc-short{display:none}
@media (max-width:400px){
  .officer-id b{font-size:.93rem}
  .officer-id span{font-size:.71rem;line-height:1.3}
  .officer-photo{width:42px;height:42px}
}
@media (max-width:560px){
  .oc-full{display:none}
  .oc-short{display:inline}
  .officer-contact a{font-size:.85rem}
}

/* ---------- typography ---------- */
.eyebrow{
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.74rem;letter-spacing:.16em;
  text-transform:uppercase;color:var(--franklin);margin:0 0 10px;
  display:inline-flex;align-items:center;gap:9px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--franklin);border-radius:2px;display:inline-block}
h1{
  font-family:'Manrope',sans-serif;font-weight:800;letter-spacing:-.02em;line-height:1.05;
  font-size:clamp(2rem,4.4vw,3rem);margin:0 0 14px;color:var(--ink);
}
h1 em{font-style:normal;color:var(--franklin)}
.lede{max-width:62ch;margin:0;color:var(--muted);font-size:1.02rem}
.lede strong{color:var(--franklin-deep);font-weight:600}

/* ---------- calculator shell ---------- */
.calc{
  margin-top:30px;background:var(--white);border:1px solid var(--line);border-radius:24px;
  box-shadow:var(--shadow);overflow:hidden;
}
.grid{display:grid;grid-template-columns:1.12fr .98fr}
@media (max-width:900px){.grid{grid-template-columns:1fr}}

.controls{padding:34px 34px 30px}
.controls-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:6px}
.controls-head h2{font-family:'Manrope',sans-serif;font-weight:700;font-size:1.18rem;margin:0;letter-spacing:-.01em}
.reset{
  background:none;border:none;color:var(--muted);font-family:'Inter',sans-serif;font-size:.82rem;font-weight:500;
  cursor:pointer;padding:4px 6px;border-radius:8px;display:inline-flex;align-items:center;gap:5px;
}
.reset:hover{color:var(--franklin);background:var(--tint)}
.reset svg{width:13px;height:13px;stroke:currentColor}
.intro{margin:0 0 22px;color:var(--muted);font-size:.9rem;max-width:48ch}

.field{padding:19px 0;border-top:1px solid var(--line)}
.field:first-of-type{border-top:none;padding-top:4px}
.field-top{display:flex;align-items:baseline;justify-content:space-between;gap:14px;margin-bottom:13px}
.field-top label{font-weight:600;font-size:.95rem}
.field-val{
  font-family:'Manrope',sans-serif;font-weight:700;font-variant-numeric:tabular-nums;
  font-size:1.12rem;color:var(--franklin-deep);white-space:nowrap;letter-spacing:-.01em;
}
.help{margin:11px 0 0;font-size:.8rem;color:var(--muted-2);line-height:1.45}
/* editable value inputs (slider OR type) */
.field-input{
  font-family:'Manrope',sans-serif;font-weight:700;font-variant-numeric:tabular-nums;
  font-size:1.12rem;color:var(--franklin-deep);letter-spacing:-.01em;text-align:right;
  width:8.5em;max-width:52vw;padding:4px 9px;border:1px solid transparent;border-radius:9px;
  background:transparent;transition:border-color .14s,background .14s;
}
.field-input:hover{border-color:var(--line);background:var(--tint-2)}
.field-input:focus{outline:none;border-color:var(--franklin);background:#fff;
  box-shadow:0 0 0 3px rgba(21,107,182,.16)}
.field-input::-webkit-outer-spin-button,.field-input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}

/* callout note */
.note{
  margin:12px 0 0;padding:12px 14px;border-radius:12px;background:var(--tint);
  border:1px solid #D5E6F4;border-left:3px solid var(--franklin);
  font-size:.8rem;line-height:1.5;color:var(--muted);
}
.note b{
  display:block;font-family:'Manrope',sans-serif;font-weight:700;font-size:.78rem;letter-spacing:.04em;
  text-transform:uppercase;color:var(--franklin-deep);margin-bottom:4px;
}
.note .ratio{color:var(--franklin-deep);font-weight:600}

/* segmented control */
.seg-label{font-weight:600;font-size:.95rem;margin-bottom:11px;display:block}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;background:var(--tint);padding:5px;border-radius:13px}
.seg-4{grid-template-columns:repeat(4,1fr)}
.seg-4 button{padding:10px 3px;font-size:.8rem}
@media (max-width:360px){.seg-4 button{font-size:.72rem;letter-spacing:-.02em}}
.seg button{
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.83rem;padding:10px 6px;border:none;
  border-radius:9px;background:transparent;color:var(--muted);cursor:pointer;transition:all .15s ease;line-height:1.25;
}
.seg button:hover{color:var(--franklin-deep)}
.seg button[aria-pressed="true"]{background:var(--white);color:var(--franklin-deep);box-shadow:var(--shadow-sm)}
.seg button:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(21,107,182,.28)}

/* sliders */
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;
  outline:none;cursor:pointer;margin:0;--pct:50%;
  background:linear-gradient(90deg,var(--franklin) 0%,var(--sky) var(--pct),var(--line) var(--pct),var(--line) 100%);
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--white);
  border:2px solid var(--franklin);cursor:grab;box-shadow:0 3px 8px -2px rgba(11,50,85,.4);transition:transform .12s ease;
}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.08)}
input[type=range]:active::-webkit-slider-thumb{cursor:grabbing;transform:scale(.96)}
input[type=range]::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;background:var(--white);border:2px solid var(--franklin);
  cursor:grab;box-shadow:0 3px 8px -2px rgba(11,50,85,.4);
}
input[type=range]::-moz-range-track{height:8px;border-radius:999px;background:transparent}
input[type=range]:focus-visible{box-shadow:0 0 0 4px rgba(21,107,182,.22)}
.scale{display:flex;justify-content:space-between;margin-top:9px;font-size:.72rem;color:var(--muted-2);font-variant-numeric:tabular-nums}

/* collapsible disclosure */
.disc-toggle{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:13px 15px;
  border-radius:12px;cursor:pointer;text-align:left;background:var(--tint-2);border:1px dashed #C5DCEF;
  color:var(--franklin-deep);font-family:'Manrope',sans-serif;font-weight:700;font-size:.9rem;
  transition:background .14s ease,border-color .14s ease;
}
.disc-toggle:hover{background:var(--tint);border-color:var(--franklin)}
.disc-toggle:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(21,107,182,.25)}
.disc-toggle .lead{display:flex;align-items:center;gap:9px;min-width:0}
.disc-toggle .chev{width:15px;height:15px;stroke:var(--franklin);flex:none;transition:transform .2s ease}
.disc-toggle[aria-expanded="true"] .chev{transform:rotate(180deg)}
.disc-toggle[aria-expanded="true"]{background:var(--tint);border-style:solid;border-color:#CFE3F3}
.disc-chip{
  font-family:'Inter',sans-serif;font-weight:600;font-size:.78rem;font-variant-numeric:tabular-nums;
  background:var(--franklin);color:#fff;padding:2px 9px;border-radius:999px;white-space:nowrap;
}
.disc-chip[hidden]{display:none}
.disc-panel{display:none;padding-top:20px}
.disc-panel.open{display:block}

/* ---------- credit card rows (blended rate) ---------- */
.cardrow{background:var(--tint-2);border:1px solid #DCE9F4;border-radius:13px;padding:13px 14px;margin-bottom:10px}
.cardrow-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:9px}
.cardrow-type{
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.82rem;color:var(--franklin-deep);
  background:#fff;border:1px solid var(--line);border-radius:8px;padding:6px 9px;cursor:pointer;
}
.cardrow-type:focus{outline:none;border-color:var(--franklin);box-shadow:0 0 0 3px rgba(21,107,182,.16)}
.cardrow-x{background:none;border:none;color:var(--muted-2);font-family:'Inter',sans-serif;font-size:.76rem;
  font-weight:500;cursor:pointer;padding:3px 7px;border-radius:7px}
.cardrow-x:hover{color:#B4453B;background:#FBEDEC}
.cardrow-grid{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:9px}
@media (max-width:520px){.cardrow-grid{grid-template-columns:1fr 1fr;gap:8px}
  .cardrow-grid label:last-child{grid-column:1/-1}}
.cardrow-grid label{display:block;font-size:.71rem;font-weight:600;color:var(--muted-2);
  text-transform:uppercase;letter-spacing:.04em}
.cardrow-grid input{
  display:block;width:100%;margin-top:4px;padding:9px 10px;border:1px solid var(--line);border-radius:9px;
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.92rem;font-variant-numeric:tabular-nums;
  color:var(--ink);background:#fff;transition:border-color .14s,box-shadow .14s;
}
.cardrow-grid input:focus{outline:none;border-color:var(--franklin);box-shadow:0 0 0 3px rgba(21,107,182,.16)}
.cards-empty{margin:0;padding:14px;text-align:center;font-size:.83rem;color:var(--muted-2);
  background:var(--tint-2);border:1px dashed #C5DCEF;border-radius:12px}
.addcard{
  width:100%;margin-top:4px;padding:11px;border-radius:11px;cursor:pointer;
  background:var(--white);border:1px dashed #C5DCEF;color:var(--franklin-deep);
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.86rem;transition:all .14s ease;
}
.addcard:hover{background:var(--tint);border-color:var(--franklin)}
.addcard:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(21,107,182,.25)}

/* ---------- option comparison (blended rate) ---------- */
.opts{position:relative;z-index:1;margin:24px 0 0;display:grid;gap:10px}
.opt{padding:14px 16px;border-radius:13px;background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.13);transition:all .2s ease}
.opt.win{background:rgba(99,176,236,.15);border-color:rgba(99,176,236,.45)}
.opt-head{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:7px}
.opt-name{font-family:'Manrope',sans-serif;font-weight:700;font-size:.9rem;color:#fff}
.opt.win .opt-name::after{content:"Lower payment";margin-left:9px;font-size:.66rem;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;color:#0B3255;background:#63B0EC;padding:2px 7px;border-radius:999px}
.opt-pmt{font-family:'Manrope',sans-serif;font-weight:800;font-size:1.24rem;color:#fff;
  font-variant-numeric:tabular-nums;letter-spacing:-.02em;white-space:nowrap}
.opt-sub{display:flex;justify-content:space-between;gap:10px;font-size:.79rem;color:#9FC0DC}
.opt-sub b{color:#D3E5F5;font-weight:600;font-variant-numeric:tabular-nums}

/* ---------- result panel ---------- */
.result{
  position:relative;color:#EAF3FB;padding:38px 34px 34px;overflow:hidden;
  background:
    radial-gradient(120% 90% at 80% -20%, #17538A 0%, rgba(23,83,138,0) 55%),
    linear-gradient(165deg,var(--navy-2) 0%,var(--navy) 62%,#082741 100%);
}
.peaks{position:absolute;inset:auto 0 0 0;height:120px;opacity:.14;pointer-events:none}
.peaks svg{width:100%;height:100%;display:block}
.result-label{
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--sky-2);margin:0 0 6px;position:relative;z-index:1;
}
.bignum{
  font-family:'Manrope',sans-serif;font-weight:800;font-variant-numeric:tabular-nums;letter-spacing:-.025em;
  font-size:clamp(2.5rem,5.6vw,3.4rem);line-height:1;color:#fff;margin:0;position:relative;z-index:1;
}
.bigsub{position:relative;z-index:1;margin:8px 0 0;font-size:.88rem;color:#B9D4EC;font-weight:500}
.bigsub b{color:#fff;font-weight:700;font-variant-numeric:tabular-nums}

.breakdown{position:relative;z-index:1;margin:24px 0 0;border-top:1px solid rgba(255,255,255,.16)}
.row{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.11)}
.row span{font-size:.88rem;color:#BCD5EC}
.row b{font-family:'Manrope',sans-serif;font-weight:700;font-variant-numeric:tabular-nums;font-size:1rem;color:#fff;letter-spacing:-.01em}
.row.sub{display:none;padding:9px 0;border-bottom:1px dashed rgba(255,255,255,.13)}
.row.sub.show{display:flex}
.row.sub span{font-size:.81rem;color:#8FB2D2;padding-left:11px;position:relative}
.row.sub span::before{content:"";position:absolute;left:0;top:8px;width:4px;height:4px;border-radius:50%;background:var(--sky)}
.row.sub b{font-size:.9rem;font-weight:600;color:#D3E5F5}
.row.hi span{color:#FFE3AE;font-weight:600}
.row.hi b{color:#FFD98A}

/* alerts */
.alerts{position:relative;z-index:1;margin-top:18px;display:grid;gap:9px}
.alert{
  display:none;gap:10px;padding:12px 14px;border-radius:11px;font-size:.82rem;line-height:1.5;
  background:rgba(255,217,138,.10);border:1px solid rgba(255,217,138,.30);color:#FFE9C4;
}
.alert.show{display:flex}
.alert svg{width:16px;height:16px;stroke:#FFD98A;flex:none;margin-top:2px}
.alert b{color:#fff;font-weight:700}

/* in-panel CTA */
.cta{
  position:relative;z-index:1;display:flex;align-items:center;justify-content:center;gap:9px;margin-top:22px;
  width:100%;padding:16px 20px;border-radius:14px;text-decoration:none;font-family:'Manrope',sans-serif;
  font-weight:700;font-size:1rem;color:#08283f;background:linear-gradient(180deg,#fff 0%,#EAF3FB 100%);
  box-shadow:0 12px 26px -12px rgba(0,0,0,.55);transition:transform .14s ease,box-shadow .14s ease;
}
.cta:hover{transform:translateY(-2px);box-shadow:0 18px 30px -12px rgba(0,0,0,.6)}
.cta svg{width:17px;height:17px;stroke:var(--franklin);transition:transform .14s ease}
.cta:hover svg{transform:translateX(3px)}
.cta-sec{
  position:relative;z-index:1;display:block;text-align:center;margin-top:12px;font-size:.84rem;font-weight:600;
  color:#BCD5EC;text-decoration:none;padding:8px;border-radius:10px;
}
.cta-sec:hover{color:#fff;background:rgba(255,255,255,.07)}
.cta-note{position:relative;z-index:1;text-align:center;margin:10px 0 0;font-size:.76rem;color:#93B4D2}

/* ---------- realtor co-branding bar (Prop 19) ---------- */
.cobrand{background:linear-gradient(180deg,#F7FBFE,#EEF5FB);border-bottom:1px solid var(--line)}
.cobrand-in{max-width:1080px;margin:0 auto;padding:11px 22px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.cobrand-tag{font-family:'Manrope',sans-serif;font-weight:700;font-size:.64rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--franklin);background:#fff;border:1px solid #D5E6F4;
  padding:4px 10px;border-radius:999px;flex:none}
.cobrand-id{min-width:0;line-height:1.3}
.cobrand-id b{display:block;font-family:'Manrope',sans-serif;font-weight:700;font-size:.98rem;color:var(--ink)}
.cobrand-id span{display:block;font-size:.76rem;color:var(--muted-2)}
.cobrand-call{margin-left:auto;font-weight:600;font-size:.86rem;color:var(--franklin-deep);
  text-decoration:none;padding:8px 14px;border-radius:999px;background:#fff;border:1px solid #D5E6F4;white-space:nowrap}
.cobrand-call:hover{border-color:var(--sky)}
@media (max-width:640px){.cobrand-in{padding:10px 16px;gap:10px}.cobrand-call{margin-left:0;width:100%;text-align:center}}

/* ---------- assessed value comparison bars (Prop 19) ---------- */
.vs{position:relative;z-index:1;margin:24px 0 0}
.vs-row{margin-bottom:13px}
.vs-row:last-child{margin-bottom:0}
.vs-top{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:6px}
.vs-top span{font-size:.81rem;color:#9FC0DC}
.vs-top b{font-family:'Manrope',sans-serif;font-weight:700;font-size:.95rem;color:#fff;font-variant-numeric:tabular-nums}
.vs-track{height:18px;border-radius:9px;background:rgba(255,255,255,.09);overflow:hidden}
.vs-fill{height:100%;border-radius:9px;transition:width .4s ease}
.vs-good{background:linear-gradient(90deg,#63B0EC,#3F8FD4)}
.vs-bad{background:linear-gradient(90deg,#8A5A5A,#6E4444)}

/* ---------- date input row (refinance) ---------- */
.daterow{display:grid;grid-template-columns:1.4fr 1fr;gap:9px}
.daterow select,.daterow input{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.95rem;color:var(--ink);
  font-variant-numeric:tabular-nums;transition:border-color .14s,box-shadow .14s;
}
.daterow select:focus,.daterow input:focus{outline:none;border-color:var(--franklin);
  box-shadow:0 0 0 3px rgba(21,107,182,.16)}
.termout{
  margin:12px 0 0;padding:11px 14px;border-radius:11px;background:var(--tint);border:1px solid #D5E6F4;
  font-size:.85rem;color:var(--franklin-deep);font-weight:600;
}
.termout span{color:var(--muted);font-weight:500}

/* ---------- shared gauge extras (refi + DSCR) ---------- */
.vs-mid{background:linear-gradient(90deg,#E0B15E,#C8932F)}
.gauge-wrap{position:relative}
.gmk{position:absolute;top:-5px;bottom:-5px;width:2px;background:rgba(255,255,255,.55);z-index:2}
.gmk::after{content:attr(data-l);position:absolute;top:-15px;left:50%;transform:translateX(-50%);
  font-size:.62rem;font-weight:700;font-family:'Manrope',sans-serif;color:#C6DCEF;white-space:nowrap}
.dv{display:inline-block;margin-top:11px;padding:5px 12px;border-radius:999px;
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.76rem;letter-spacing:.04em}
.dv-good{background:rgba(99,176,236,.22);color:#9FD0F5;border:1px solid rgba(99,176,236,.45)}
.dv-mid{background:rgba(224,177,94,.18);color:#F0CF95;border:1px solid rgba(224,177,94,.4)}
.dv-bad{background:rgba(190,120,110,.18);color:#E8B6AE;border:1px solid rgba(190,120,110,.42)}

/* ---------- stepped flow (Prop 19) ---------- */
.step{margin-top:40px}
.step:first-of-type{margin-top:30px}
.step-mark{
  display:inline-flex;align-items:center;gap:8px;font-family:'Manrope',sans-serif;font-weight:700;
  font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--franklin);
  background:var(--tint);border:1px solid #D5E6F4;padding:5px 12px;border-radius:999px;margin-bottom:12px;
}
.step-mark em{font-style:normal;color:var(--muted-2);letter-spacing:.04em}
.step-title{
  font-family:'Manrope',sans-serif;font-weight:800;letter-spacing:-.02em;line-height:1.1;
  font-size:clamp(1.5rem,3vw,2rem);margin:0 0 10px;color:var(--ink);
}
.step-lede{margin:0 0 4px;color:var(--muted);font-size:.99rem;line-height:1.6;max-width:66ch}
.carry{
  display:inline-flex;align-items:center;gap:7px;margin-top:14px;padding:8px 14px;border-radius:14px;
  background:var(--tint-2);border:1px dashed #C5DCEF;font-size:.8rem;color:var(--muted);
  flex-wrap:wrap;line-height:1.5;max-width:100%;
}
.carry b{font-family:'Manrope',sans-serif;font-weight:700;color:var(--franklin-deep);font-variant-numeric:tabular-nums}

/* summary cards */
.sum-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 0 22px;position:relative;z-index:1}
@media (max-width:720px){.sum-cards{grid-template-columns:1fr}}
.sum-card{padding:16px 18px;border-radius:14px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14)}
.sum-card span{display:block;font-size:.76rem;color:#9FC0DC;margin-bottom:5px}
.sum-card b{
  display:block;font-family:'Manrope',sans-serif;font-weight:800;font-size:1.5rem;color:#fff;
  font-variant-numeric:tabular-nums;letter-spacing:-.02em;line-height:1.1;
}
.sum-card em{display:block;font-style:normal;font-size:.73rem;color:#8FB2D2;margin-top:4px}

/* ---------- educational content blocks ---------- */
.edu{margin-top:44px}
.edu h2{font-family:'Manrope',sans-serif;font-weight:800;font-size:1.6rem;letter-spacing:-.02em;
  margin:0 0 12px;color:var(--ink)}
.edu h3{font-family:'Manrope',sans-serif;font-weight:700;font-size:1.06rem;margin:0 0 7px;color:var(--ink)}
.edu p{margin:0 0 15px;color:var(--muted);font-size:.97rem;line-height:1.65;max-width:70ch}
.edu p strong{color:var(--franklin-deep);font-weight:600}
.edu-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0 8px}
@media (max-width:820px){.edu-grid{grid-template-columns:1fr}}
.edu-card{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:var(--shadow-sm)}
.edu-card p{font-size:.88rem;margin:0}
.edu-num{display:flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:9px;
  background:var(--franklin);color:#fff;font-family:'Manrope',sans-serif;font-weight:800;font-size:.9rem;margin-bottom:11px}
.edu-note{margin:20px 0 0;padding:16px 18px;border-radius:14px;background:var(--tint);
  border:1px solid #D5E6F4;border-left:3px solid var(--franklin)}
.edu-note b{display:block;font-family:'Manrope',sans-serif;font-weight:700;font-size:.8rem;letter-spacing:.05em;
  text-transform:uppercase;color:var(--franklin-deep);margin-bottom:5px}
.edu-note p{margin:0;font-size:.88rem}
.faq{margin-top:14px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{padding:16px 0;cursor:pointer;font-family:'Manrope',sans-serif;font-weight:700;font-size:.98rem;
  color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.3rem;font-weight:400;color:var(--franklin);flex:none;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq summary:hover{color:var(--franklin-deep)}
.faq details p{margin:0 0 16px;font-size:.92rem;color:var(--muted);line-height:1.65;max-width:70ch}

/* ---------- notices / footer ---------- */
.cpa{
  margin:22px 4px 0;padding:15px 17px;border-radius:13px;background:var(--gold-tint);
  border:1px solid var(--gold-line);border-left:3px solid var(--gold);
  font-size:.83rem;line-height:1.55;color:#6B5426;
}
.cpa b{
  display:block;font-family:'Manrope',sans-serif;font-weight:700;font-size:.78rem;letter-spacing:.04em;
  text-transform:uppercase;color:var(--gold);margin-bottom:4px;
}
.fineprint{margin:18px 4px 0;font-size:.76rem;line-height:1.6;color:var(--muted-2)}
.fineprint strong{color:var(--muted);font-weight:600}

.site-foot{margin-top:46px;border-top:1px solid var(--line);background:rgba(255,255,255,.6)}
.foot-in{max-width:1080px;margin:0 auto;padding:26px 22px 34px;text-align:center}
.foot-links{display:flex;flex-wrap:wrap;gap:6px 18px;justify-content:center;margin:0 0 14px}
.foot-links a{font-size:.86rem;font-weight:500;color:var(--franklin-deep);text-decoration:none}
.foot-alt{margin-top:10px;padding-top:12px;border-top:1px solid var(--line)}
.foot-alt a{font-size:.82rem;color:var(--muted);font-weight:500}
.foot-alt a:hover{color:var(--franklin-deep)}
.foot-links a:hover{text-decoration:underline}
.foot-legal{margin:0;font-size:.74rem;line-height:1.6;color:var(--muted-2)}
.foot-legal a{color:var(--franklin);text-decoration:none}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .controls{padding:26px 22px 22px}
  .result{padding:30px 24px 28px}
}
@media (max-width:430px){
  .eyebrow{font-size:.66rem;letter-spacing:.11em}
  .eyebrow::before{width:18px;margin-right:-2px}
  .seg button{font-size:.76rem;padding:9px 4px}
}
@media (max-width:370px){
  .wrap{padding:0 13px}
  .controls{padding:22px 17px 18px}
  .result{padding:26px 18px 24px}
  .eyebrow{font-size:.6rem;letter-spacing:.07em}
  .eyebrow::before{width:14px}
}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:.01ms !important;transition-duration:.01ms !important}
  html{scroll-behavior:auto}
}