/* Dave the Mortgage Guy — design system v2
   Lighter cream ground, Fraunces serif headlines in sentence case, Archivo body/UI,
   flat color blocks (pine, marigold, brick, cobalt) instead of outlines and shadows.
   Built for readers 62+ first: large type, high contrast, generous targets. */

@font-face { font-family: "Archivo"; src: url("/assets/fonts/archivo-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Archivo"; src: url("/assets/fonts/archivo-latin-400-italic.woff2") format("woff2"); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: "Archivo"; src: url("/assets/fonts/archivo-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-style: normal; font-display: swap; }
@font-face { font-family: "Archivo"; src: url("/assets/fonts/archivo-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: "Archivo"; src: url("/assets/fonts/archivo-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Fraunces"; src: url("/assets/fonts/fraunces-latin-wght-normal.woff2") format("woff2"); font-weight: 100 900; font-style: normal; font-display: swap; }

:root {
  --ground: #F4EEE3;
  --cream: #E6D9C6;
  --cream-2: #EDE3D3;
  --cream-deep: #D9C9B0;
  --ink: #1C1A17;
  --ink-2: #3A3732;
  --ink-3: #625D55;
  --pine: #0B5A33;
  --pine-deep: #07412A;
  --pine-tint: #D8E5DA;
  --marigold: #E9A23B;
  --marigold-deep: #8E5F0E;
  --brick: #B0271E;
  --cobalt: #144594;
  --white: #FFFFFF;
  --line: #D8CDB9;

  --font-head: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Archivo", "Helvetica Neue", Arial, sans-serif;

  --fs-0: 1rem;
  --fs-1: 1.1rem;
  --fs-2: 1.25rem;
  --fs-3: 1.6rem;
  --fs-4: 2rem;
  --fs-6: clamp(2.5rem, 5.2vw, 3.9rem);

  --measure: 64ch;
  --wrap: 1240px;
  --gutter: clamp(1rem, 4vw, 3rem);
  --space-1: .5rem; --space-2: 1rem; --space-3: 1.5rem; --space-4: 2.25rem; --space-5: 3.5rem; --space-6: 5.5rem;
  --radius: 3px;
}

html { font-size: 118.75%; -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (max-width: 640px) { html { font-size: 112.5%; } }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }

* { box-sizing: border-box; }
body { margin: 0; font-family: var(--font-body); font-size: var(--fs-0); line-height: 1.6; color: var(--ink); background: var(--ground); -webkit-font-smoothing: antialiased; }
img, svg, video, iframe { max-width: 100%; height: auto; display: block; }
a { color: var(--pine); text-decoration-thickness: 2px; text-underline-offset: 3px; }
a:hover { color: var(--pine-deep); }
:focus-visible { outline: 3px solid var(--cobalt); outline-offset: 3px; }
::selection { background: var(--marigold); color: var(--ink); }

h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 500; line-height: 1.08; letter-spacing: -0.02em; margin: 0 0 var(--space-3); color: var(--ink); text-wrap: balance; font-variation-settings: "opsz" 144; }
h1 { font-size: var(--fs-6); line-height: 1.04; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.5rem); }
h3 { font-size: var(--fs-3); line-height: 1.15; }
h4 { font-size: var(--fs-2); font-family: var(--font-body); font-weight: 700; line-height: 1.25; letter-spacing: 0; }
p, ul, ol { margin: 0 0 var(--space-3); max-width: var(--measure); }
li { margin-bottom: .4rem; }
strong { font-weight: 700; }
small, .small { font-size: .9rem; }
hr { border: 0; border-top: 1px solid var(--line); margin: var(--space-5) 0; }
blockquote { margin: var(--space-4) 0; padding: var(--space-2) var(--space-3); border-left: 6px solid var(--marigold); background: var(--cream); font-size: var(--fs-1); }
blockquote p:last-child { margin-bottom: 0; }
table { border-collapse: collapse; width: 100%; margin: var(--space-3) 0; font-size: .95rem; }
th, td { text-align: left; padding: .65rem .75rem; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-weight: 700; border-bottom: 2px solid var(--ink); }
.table-wrap { overflow-x: auto; }

.skip-link { position: absolute; left: -999px; top: 0; background: var(--ink); color: var(--ground); padding: .75rem 1rem; z-index: 1000; }
.skip-link:focus { left: 1rem; top: 1rem; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { width: min(var(--wrap), 100% - 2 * var(--gutter)); margin-inline: auto; }
.wrap--narrow { width: min(820px, 100% - 2 * var(--gutter)); margin-inline: auto; }
.section { padding-block: var(--space-6); }
.section--tight { padding-block: var(--space-5); }
.section--ink { background: var(--ink); color: var(--ground); }
.section--ink h1, .section--ink h2, .section--ink h3, .section--ink h4, .section--ink p, .section--ink li { color: var(--ground); }
.section--ink a { color: var(--marigold); }
.section--pine { background: var(--pine); color: var(--ground); }
.section--pine h1, .section--pine h2, .section--pine h3, .section--pine p, .section--pine li { color: var(--ground); }
.section--pine a { color: var(--ground); }
.section--light { background: var(--cream); }
.section--rule-top { border-top: 1px solid var(--line); }
.band { margin-inline: auto; width: min(var(--wrap), 100% - 2 * var(--gutter)); border-radius: var(--radius); }
.band--cream { background: var(--cream); padding: var(--space-5) var(--space-4); }
.band--ink { background: var(--ink); color: var(--ground); }
.band--ink h2, .band--ink p { color: var(--ground); }
.band--ink .eyebrow { color: var(--marigold); }
.band--split { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); overflow: hidden; }
.band--split > div:first-child { padding: var(--space-5) var(--space-4); }
.band__photo { min-height: 280px; background: var(--ink-2); }
@media (max-width: 860px) { .band--split { grid-template-columns: 1fr; } .band__photo { min-height: 200px; } }

/* Eyebrow + step bar */
.eyebrow { display: inline-flex; align-items: center; gap: .7rem; font-family: var(--font-body); font-weight: 700; font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--brick); margin-bottom: var(--space-3); }
.eyebrow::before { content: ""; width: 34px; height: 3px; background: currentColor; }
.section--ink .eyebrow, .section--pine .eyebrow { color: var(--marigold); }
.stepbar { display: inline-flex; align-items: center; gap: .35rem; margin: var(--space-3) 0 0; }
.stepbar span { width: 40px; height: 12px; display: inline-block; background: var(--cream-deep); }
.stepbar span.is-on, .stepbar span:nth-child(1) { background: var(--pine); }
.stepbar span:nth-child(2) { background: var(--marigold); }
.stepbar span:nth-child(3) { background: var(--brick); }
.stepbar span:nth-child(4) { background: var(--cobalt); }
.stepbar::after { content: ""; width: 0; height: 0; border-top: 9px solid transparent; border-bottom: 9px solid transparent; border-left: 18px solid var(--ink); margin-left: .2rem; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; min-height: 56px; padding: .9rem 1.6rem; font-family: var(--font-body); font-weight: 600; font-size: 1.05rem; line-height: 1.2; text-decoration: none; border: 2px solid transparent; border-radius: var(--radius); cursor: pointer; transition: transform .12s ease, background .12s ease, color .12s ease; text-align: center; }
.btn:active { transform: translate(2px, 2px); }
.btn--primary { background: var(--pine); color: var(--ground) !important; border-color: var(--pine); box-shadow: 6px 6px 0 var(--marigold); }
.btn--primary:hover { background: var(--pine-deep); border-color: var(--pine-deep); }
.btn--secondary { background: transparent; color: var(--ink) !important; border-color: var(--ink); }
.btn--secondary:hover { background: var(--ink); color: var(--ground) !important; }
.btn--marigold { background: var(--marigold); color: var(--ink) !important; border-color: var(--marigold); box-shadow: 6px 6px 0 var(--ink); }
.btn--marigold:hover { background: #F0B055; }
.btn--ghost-light { background: transparent; color: var(--ground) !important; border-color: var(--ground); }
.btn--ghost-light:hover { background: var(--ground); color: var(--ink) !important; }
.btn--lg { min-height: 64px; font-size: 1.12rem; padding: 1rem 2rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--space-2) var(--space-3); align-items: center; margin-top: var(--space-4); }
.text-link { font-weight: 600; display: inline-block; padding: .4rem 0; }
.text-link::after { content: " →"; }
.link-underline { text-decoration: none; border-bottom: 3px solid var(--brick); color: var(--ink); font-weight: 600; padding: .4rem 0; }
.link-underline:hover { color: var(--brick); }

/* Header */
.site-header { background: var(--ground); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.site-header .wrap { width: min(1400px, 100% - 2rem); display: flex; align-items: center; justify-content: space-between; gap: var(--space-3); min-height: 78px; }
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: var(--ink); }
.brand__mark { width: 40px; height: 40px; flex: 0 0 auto; }
.brand__name { font-family: var(--font-head); font-weight: 600; font-size: 1.05rem; letter-spacing: -.01em; line-height: 1; white-space: nowrap; }
.brand__sub { display: block; font-family: var(--font-body); font-weight: 600; font-size: .62rem; letter-spacing: .14em; text-transform: uppercase; color: var(--pine); margin-top: .35rem; }
.nav { display: flex; align-items: center; gap: .25rem; min-width: 0; }
.nav > ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 0; align-items: center; }
.nav li { margin: 0; position: relative; }
.nav > ul a, .nav > ul button { display: inline-flex; align-items: center; gap: .35rem; min-height: 48px; padding: .5rem .5rem; font: inherit; font-weight: 500; font-size: .86rem; white-space: nowrap; color: var(--ink); text-decoration: none; background: none; border: 0; cursor: pointer; border-radius: var(--radius); }
.nav > ul a:hover, .nav > ul button:hover, .nav > ul a[aria-current="page"] { background: var(--cream); }
.nav .has-children > button svg { width: 14px; height: 14px; transition: transform .15s; }
.nav .has-children.is-open > button svg { transform: rotate(180deg); }
.nav .submenu { position: absolute; top: 100%; left: 0; min-width: 300px; background: var(--ground); border: 1px solid var(--line); box-shadow: 0 10px 30px rgba(28,26,23,.12); padding: .5rem; list-style: none; margin: .25rem 0 0; display: none; z-index: 60; }
.nav .has-children.is-open .submenu { display: block; }
.nav .submenu a { display: block; width: 100%; font-weight: 400; white-space: normal; }
.nav__cta { margin-left: .5rem; }
.nav__cta .btn { min-height: 46px; padding: .5rem 1rem; font-size: .9rem; box-shadow: none; white-space: nowrap; }
.nav-toggle { display: none; min-width: 48px; min-height: 48px; align-items: center; justify-content: center; background: none; border: 1px solid var(--ink); border-radius: var(--radius); cursor: pointer; color: var(--ink); }
.nav-toggle svg { width: 26px; height: 26px; }
.header-phone { font-weight: 600; text-decoration: none; color: var(--ink); white-space: nowrap; font-size: .95rem; padding: .5rem .5rem; }
@media (max-width: 1440px) { .header-phone { display: none; } }
@media (max-width: 1240px) {
  .nav-toggle { display: inline-flex; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--ground); border-bottom: 1px solid var(--line); padding: var(--space-2) var(--gutter) var(--space-4); max-height: calc(100vh - 78px); overflow: auto; }
  .nav.is-open { display: block; }
  .nav > ul { flex-direction: column; align-items: stretch; gap: 0; }
  .nav > ul a, .nav > ul button { width: 100%; justify-content: space-between; font-size: 1.1rem; min-height: 54px; white-space: normal; }
  .nav .submenu { position: static; display: none; box-shadow: none; border: 0; border-left: 4px solid var(--pine); background: transparent; margin: 0 0 .5rem .75rem; padding: 0; min-width: 0; }
  .nav .has-children.is-open .submenu { display: block; }
  .nav__cta { margin: var(--space-3) 0 0; }
  .nav__cta .btn { width: 100%; min-height: 58px; font-size: 1.1rem; }
  .nav__phone-mobile { display: block; margin-top: var(--space-2); text-align: center; font-weight: 700; padding: .75rem; color: var(--ink); }
}
@media (min-width: 1241px) { .nav__phone-mobile { display: none; } }

/* Hero */
.hero { padding-block: clamp(2.5rem, 6vw, 4.5rem) clamp(2rem, 5vw, 3.5rem); }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(280px, .8fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero h1 { margin-bottom: var(--space-3); }
.hero__lede { font-size: clamp(1.15rem, 1.6vw, 1.35rem); line-height: 1.5; max-width: 34em; color: var(--ink-2); }
.hero__byline { margin-top: var(--space-3); font-size: .9rem; color: var(--ink-3); }
.hero__byline strong { color: var(--ink); }
.hero__note { font-size: .92rem; color: var(--ink-3); margin-top: var(--space-2); }
.photo-frame { position: relative; display: block; width: 100%; max-width: 420px; }
.photo-frame img { position: relative; z-index: 1; width: 100%; object-fit: cover; aspect-ratio: 4 / 5; object-position: 50% 15%; background: var(--cream-deep); border-radius: 2px; }
.photo-frame::after { content: ""; position: absolute; inset: 18px -18px -18px 18px; background: var(--pine); z-index: 0; }
.photo-frame--marigold::after { background: var(--marigold); }
.photo-frame--brick::after { background: var(--brick); }
.hero__caption { margin-top: var(--space-3); font-size: .9rem; color: var(--ink-3); }
.hero__caption strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--ink); font-weight: 600; display: block; }
.wide-photo { display: block; width: 100%; height: clamp(180px, 24vw, 320px); object-fit: cover; object-position: 50% 60%; }
@media (max-width: 860px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__media { order: 2; }
  .photo-frame { max-width: 240px; }
  .photo-frame::after { inset: 12px -12px -12px 12px; }
}

/* Cards and grids */
.grid { display: grid; gap: var(--space-3); }
.grid--2 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 290px), 1fr)); }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); }
.card { background: var(--cream); padding: var(--space-4); display: flex; flex-direction: column; gap: var(--space-2); border-radius: var(--radius); }
.card > :last-child { margin-bottom: 0; }
.card h3 { margin-bottom: .25rem; }
.card--door { position: relative; min-height: 100%; transition: transform .12s ease; text-decoration: none; color: inherit; }
.card--door:hover { transform: translateY(-3px); }
.card--door .door__label { font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--pine); }
.card--door h3 { font-size: 1.55rem; }
.card--door p { color: var(--ink-2); font-size: .98rem; }
.card--door .text-link { margin-top: auto; }
.block-accent { border-top: 10px solid var(--pine); }
.block-accent--pine { border-top-color: var(--pine); }
.block-accent--marigold { border-top-color: var(--marigold); }
.block-accent--brick { border-top-color: var(--brick); }
.block-accent--cobalt { border-top-color: var(--cobalt); }
.block-accent--marigold .door__label { color: var(--marigold-deep); }
.block-accent--brick .door__label { color: var(--brick); }
.block-accent--marigold .text-link { color: var(--marigold-deep); }
.block-accent--brick .text-link { color: var(--brick); }
.card--pine { background: var(--pine); color: var(--ground); }
.card--pine h3, .card--pine p, .card--pine li { color: var(--ground); }
.card--pine a { color: var(--ground); }
.card--pine a:hover { color: var(--marigold); }
.card--ink { background: var(--ink); color: var(--ground); }
.card--ink h3, .card--ink p, .card--ink li { color: var(--ground); }
.card--ink a { color: var(--marigold); }
.card--ink a:hover { color: var(--ground); }
.card--plain { background: transparent; padding: 0; }

/* Steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-3); grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); counter-reset: step; max-width: none; }
.steps li { margin: 0; padding: var(--space-3) var(--space-3) var(--space-3) 0; border-top: 3px solid var(--ink); counter-increment: step; }
.steps li::before { content: counter(step, decimal-leading-zero); display: block; font-family: var(--font-head); font-weight: 600; font-size: 2.3rem; line-height: 1; margin-bottom: var(--space-2); }
.steps li:nth-child(1)::before { color: var(--pine); } .steps li:nth-child(2)::before { color: var(--marigold-deep); } .steps li:nth-child(3)::before { color: var(--brick); } .steps li:nth-child(4)::before { color: var(--cobalt); }
.steps li h3 { margin-bottom: .5rem; font-family: var(--font-body); font-weight: 700; font-size: 1.2rem; letter-spacing: 0; }
.steps li p { margin-bottom: 0; font-size: .98rem; color: var(--ink-2); }

/* Empathy list */
.that-me { list-style: none; padding: 0; margin: 0; max-width: none; display: grid; gap: .75rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); }
.that-me li { margin: 0; padding: var(--space-2) var(--space-3); background: var(--cream); border-left: 6px solid var(--marigold); font-size: var(--fs-1); }
.that-me li:nth-child(2n) { border-left-color: var(--pine); } .that-me li:nth-child(3n) { border-left-color: var(--brick); } .that-me li:nth-child(4n) { border-left-color: var(--cobalt); }

/* Checklist */
.checks { list-style: none; padding: 0; margin: 0; max-width: none; display: grid; gap: .9rem; }
.checks li { margin: 0; display: flex; gap: .9rem; align-items: flex-start; font-size: var(--fs-1); }
.checks li::before { content: ""; flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--pine) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F4EEE3' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'><path d='M5 13l4 4L19 7'/></svg>") center / 15px no-repeat; margin-top: .15rem; }

/* Quotes */
.quote { background: var(--cream); border-top: 6px solid var(--marigold); padding: var(--space-3) var(--space-4); display: flex; flex-direction: column; gap: var(--space-2); border-radius: var(--radius); }
.quote:nth-child(2n) { border-top-color: var(--pine); }
.quote:nth-child(3n) { border-top-color: var(--brick); }
.quote p, .section--ink .quote p, .section--pine .quote p { font-size: var(--fs-1); margin: 0; color: var(--ink); }
.quote footer, .section--ink .quote footer { margin-top: auto; font-size: .88rem; color: var(--ink-3); font-weight: 600; }
.quote--big p { font-family: var(--font-head); font-size: clamp(1.3rem, 2.3vw, 1.8rem); line-height: 1.3; font-weight: 500; }

/* Obligations callout */
.obligations { background: var(--cream); border-left: 8px solid var(--brick); padding: var(--space-3) var(--space-4); margin: var(--space-4) 0; border-radius: var(--radius); }
.obligations h3, .obligations h4 { margin-bottom: .5rem; font-family: var(--font-body); font-weight: 700; font-size: var(--fs-1); letter-spacing: 0; }
.obligations ul { margin: 0 0 var(--space-2); padding-left: 1.2rem; columns: 2; column-gap: 2rem; max-width: none; }
.obligations li { break-inside: avoid; }
.obligations p:last-child { margin-bottom: 0; }
@media (max-width: 640px) { .obligations ul { columns: 1; } }

/* FAQ */
.faq details { border-top: 1px solid var(--line); padding: .25rem 0; }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1rem 0; font-weight: 600; font-size: var(--fs-1); min-height: 56px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-head); font-size: 1.6rem; color: var(--pine); flex: 0 0 auto; }
.faq details[open] summary::after { content: "–"; }
.faq .faq__body { padding: 0 0 1.25rem; }
.faq .faq__body p:last-child { margin-bottom: 0; }

/* Video */
.video { position: relative; aspect-ratio: 16 / 9; background: var(--ink); border-radius: var(--radius); overflow: hidden; }
.video iframe, .video img, .video button { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video button { background: var(--ink); cursor: pointer; padding: 0; }
.video button img { object-fit: cover; opacity: .92; }
.video .play { position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); width: 80px; height: 80px; border-radius: 50%; background: var(--marigold); display: grid; place-items: center; box-shadow: 5px 5px 0 rgba(0,0,0,.35); }
.video .play::after { content: ""; border-left: 24px solid var(--ink); border-top: 15px solid transparent; border-bottom: 15px solid transparent; margin-left: 6px; }
.video-card { display: flex; flex-direction: column; gap: .75rem; }
.video-card h3 { font-size: var(--fs-1); margin: 0; font-family: var(--font-body); font-weight: 700; letter-spacing: 0; }
.video-card .meta { font-size: .85rem; color: var(--ink-3); }

/* CTA band */
.cta-band { padding-block: var(--space-5); }
.cta-band .band { background: var(--pine); color: var(--ground); padding: var(--space-5) var(--space-4); display: grid; grid-template-columns: 1.3fr .7fr; gap: var(--space-4); align-items: center; }
.cta-band h2 { color: var(--ground); margin-bottom: var(--space-2); }
.cta-band p { color: var(--ground); margin-bottom: 0; }
.cta-band a { color: var(--ground); }
.cta-band a:hover { color: var(--marigold); }
.cta-band .btn-row { margin-top: 0; justify-content: flex-start; }
.cta-band .small { color: var(--pine-tint); margin-top: var(--space-2); font-size: .88rem; }
@media (max-width: 860px) { .cta-band .band { grid-template-columns: 1fr; } }

/* Forms */
.form { display: grid; gap: var(--space-3); max-width: 700px; }
.form .row { display: grid; gap: var(--space-3); grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); }
label { display: block; font-weight: 600; margin-bottom: .4rem; }
.hint { font-size: .88rem; color: var(--ink-3); font-weight: 400; display: block; margin-top: .2rem; }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea { width: 100%; font: inherit; font-size: 1.05rem; padding: .85rem 1rem; min-height: 56px; border: 2px solid var(--ink); border-radius: var(--radius); background: var(--white); color: var(--ink); }
textarea { min-height: 160px; resize: vertical; }
select { appearance: none; background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%231C1A17' stroke-width='3'><path d='M6 9l6 6 6-6'/></svg>"); background-repeat: no-repeat; background-position: right 1rem center; padding-right: 3rem; }
.check { display: flex; gap: .75rem; align-items: flex-start; font-weight: 400; font-size: .95rem; }
.check input { width: 24px; height: 24px; margin-top: .2rem; flex: 0 0 auto; accent-color: var(--pine); }
.form__note { font-size: .88rem; color: var(--ink-3); }
.form__status { padding: var(--space-3); background: var(--cream); display: none; border-radius: var(--radius); }
.form__status.is-ok { display: block; border-left: 8px solid var(--pine); }
.form__status.is-err { display: block; border-left: 8px solid var(--brick); }
.field-error { display: none; color: var(--brick); font-weight: 600; font-size: .9rem; margin-top: .35rem; }
.is-invalid { border-color: var(--brick) !important; }
.is-invalid + .field-error, .is-invalid ~ .field-error { display: block; }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* Calculators */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(300px, .9fr); gap: var(--space-4); align-items: start; }
.calc__inputs { display: grid; gap: var(--space-3); }
.calc__inputs fieldset { border: 1px solid var(--line); background: var(--cream-2); padding: var(--space-3); margin: 0; display: grid; gap: var(--space-2); border-radius: var(--radius); }
.calc__inputs legend { font-weight: 700; padding: 0 .5rem; }
.calc__inputs .field { display: grid; gap: .25rem; }
.calc__inputs .field--2 { grid-template-columns: 1fr 1fr; gap: var(--space-2); }
.calc__inputs input, .calc__inputs select { min-height: 52px; }
.calc__results { position: sticky; top: 92px; background: var(--ink); color: var(--ground); padding: var(--space-4); border-radius: var(--radius); }
.calc__results h3 { color: var(--ground); font-family: var(--font-body); font-size: .85rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 700; margin-bottom: var(--space-2); }
.calc__big { font-family: var(--font-head); font-weight: 600; font-size: clamp(2.2rem, 5vw, 3.2rem); line-height: 1; color: var(--marigold); margin: 0 0 var(--space-3); }
.calc__rows { display: grid; gap: .55rem; margin: 0; padding: 0; list-style: none; max-width: none; }
.calc__rows li { display: flex; justify-content: space-between; gap: 1rem; border-bottom: 1px solid rgba(244,238,227,.22); padding-bottom: .5rem; margin: 0; font-size: .98rem; }
.calc__rows li strong { white-space: nowrap; }
.calc__rows li.total { border-bottom: 0; border-top: 2px solid var(--ground); padding-top: .6rem; font-weight: 700; }
.calc__note { font-size: .9rem; color: var(--ground); margin: var(--space-3) 0 0; }
.calc__results a { color: var(--marigold); }
.calc__results .btn { margin-top: var(--space-3); width: 100%; }
.range-field { display: grid; gap: .25rem; }
.range-field output { font-weight: 700; }
input[type="range"] { width: 100%; accent-color: var(--pine); min-height: 44px; }
.bar { display: flex; height: 26px; border: 2px solid var(--ground); overflow: hidden; margin: var(--space-2) 0 var(--space-1); }
.bar span { display: block; height: 100%; }
.legend { display: flex; flex-wrap: wrap; gap: .5rem 1.2rem; font-size: .85rem; list-style: none; padding: 0; margin: 0 0 var(--space-2); max-width: none; }
.legend li { display: flex; align-items: center; gap: .4rem; margin: 0; }
.legend i { width: 14px; height: 14px; display: inline-block; border: 1px solid var(--ground); }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } .calc__results { position: static; } }

/* Prose */
.prose > * { max-width: var(--measure); }
.prose h2 { font-size: clamp(1.6rem, 2.8vw, 2.1rem); margin-top: var(--space-5); }
.prose h3 { margin-top: var(--space-4); font-family: var(--font-body); font-weight: 700; font-size: 1.3rem; letter-spacing: 0; }
.prose img { border-radius: var(--radius); }
.prose .table-wrap, .prose table { max-width: none; }
.post-meta { font-size: .9rem; color: var(--ink-3); margin-bottom: var(--space-4); }
.post-meta a { color: var(--brick); font-weight: 600; }
.post-list { list-style: none; padding: 0; margin: 0; max-width: none; display: grid; gap: var(--space-3); }
.post-list li { margin: 0; border-top: 1px solid var(--line); padding-top: var(--space-3); display: grid; grid-template-columns: 160px 1fr; gap: var(--space-3); }
.post-list .cat { font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--brick); }
.post-list h3 { margin: .25rem 0 .5rem; font-size: 1.4rem; }
.post-list h3 a { color: var(--ink); text-decoration: none; }
.post-list h3 a:hover { text-decoration: underline; }
.post-list p { margin: 0; color: var(--ink-2); }
@media (max-width: 640px) { .post-list li { grid-template-columns: 1fr; gap: .25rem; } }

/* Facts */
.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: var(--space-3); margin: var(--space-4) 0; max-width: none; list-style: none; padding: 0; }
.facts li { margin: 0; border-top: 3px solid var(--ink); padding-top: var(--space-2); }
.facts strong { display: block; font-family: var(--font-head); font-weight: 600; font-size: 2rem; line-height: 1; margin-bottom: .4rem; color: var(--pine); }
.facts span { font-size: .95rem; color: var(--ink-2); }

/* Notices */
.notice { background: var(--cream); padding: var(--space-3) var(--space-4); margin: var(--space-4) 0; border-radius: var(--radius); }
.notice--cobalt { border-left: 8px solid var(--cobalt); }
.notice--marigold { border-left: 8px solid var(--marigold); }
.notice h3 { font-family: var(--font-body); font-weight: 700; font-size: 1.15rem; letter-spacing: 0; }
.notice p:last-child { margin-bottom: 0; }

/* Columns */
.cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); gap: var(--space-4); align-items: start; }
.cols > *, .grid > *, .hero__grid > * { min-width: 0; }
.steps { grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); }
@media (max-width: 640px) { .steps { grid-template-columns: 1fr; } }
.cols--wide-left { grid-template-columns: minmax(0, 1.4fr) minmax(280px, .8fr); }
.cols--wide-left-2 { grid-template-columns: minmax(0, 1.3fr) minmax(280px, .8fr); }
.cols--sticky > aside { position: sticky; top: 92px; }
@media (max-width: 860px) { .cols--wide-left, .cols--wide-left-2 { grid-template-columns: 1fr; } .cols--sticky > aside { position: static; } }
.lede { font-size: clamp(1.12rem, 1.5vw, 1.3rem); line-height: 1.5; color: var(--ink-2); max-width: 36em; }
.page-head { padding-block: clamp(2.5rem, 6vw, 4.5rem) var(--space-4); }
.page-head h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
.page-head .lede { margin-top: var(--space-2); }

/* Footer */
.site-footer { background: var(--ink); color: var(--ground); padding-block: var(--space-5) var(--space-4); font-size: .92rem; }
.site-footer a { color: var(--ground); }
.site-footer a:hover { color: var(--marigold); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: var(--space-4); }
.footer-grid h2 { font-family: var(--font-body); font-weight: 700; font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--marigold); margin-bottom: var(--space-2); letter-spacing: .14em; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: .15rem; }
.footer-grid li a, .footer-legal .links a, .footer-logos a { display: inline-block; padding: .55rem 0; }
.footer-grid p { color: var(--ground); max-width: 40ch; overflow-wrap: anywhere; }
.footer-grid p a { display: inline-block; padding: .3rem 0; }
.footer-brand { font-family: var(--font-head); font-weight: 600; font-size: 1.5rem; line-height: 1; margin-bottom: var(--space-2); }
.footer-brand span { display: block; font-family: var(--font-body); font-weight: 600; font-size: .68rem; letter-spacing: .12em; text-transform: uppercase; color: var(--marigold); margin-top: .4rem; }
.footer-legal { border-top: 1px solid rgba(244,238,227,.25); margin-top: var(--space-4); padding-top: var(--space-3); font-size: .85rem; line-height: 1.55; color: var(--ground); }
.footer-legal p { max-width: none; color: inherit; overflow-wrap: anywhere; }
.footer-legal .links { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; margin-bottom: var(--space-2); }
.footer-logos { display: flex; gap: 1rem; align-items: center; margin: var(--space-2) 0; }
.footer-logos svg { height: 44px; width: auto; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

/* Sticky mobile CTA */
.mobile-cta { display: none; }
@media (max-width: 760px) {
  .mobile-cta { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; position: fixed; bottom: 0; left: 0; right: 0; z-index: 40; background: var(--ground); border-top: 1px solid var(--line); padding: .6rem var(--gutter) calc(.6rem + env(safe-area-inset-bottom)); }
  .mobile-cta .btn { min-height: 52px; padding: .6rem; font-size: .98rem; box-shadow: none; }
  body { padding-bottom: 84px; }
}

/* Utilities */
.mt-0 { margin-top: 0 !important; } .mb-0 { margin-bottom: 0 !important; }
.mt-4 { margin-top: var(--space-4); } .mt-5 { margin-top: var(--space-5); }
.center { text-align: center; } .center p, .center .lede { margin-inline: auto; }
.muted { color: var(--ink-3); }
.max-none { max-width: none; }
.breadcrumb { font-size: .85rem; color: var(--ink-3); margin-bottom: var(--space-2); }
.breadcrumb a { color: var(--ink-3); }
.pill-list { display: flex; flex-wrap: wrap; gap: .5rem; list-style: none; padding: 0; margin: var(--space-2) 0; max-width: none; }
.pill-list li { margin: 0; }
.pill-list a { display: inline-block; border: 1px solid var(--ink); padding: .5rem .9rem; font-weight: 600; font-size: .9rem; background: var(--cream); text-decoration: none; color: var(--ink); border-radius: 999px; }
.pill-list a:hover { background: var(--ink); color: var(--ground); }