/* MidNorth Key — Multi-niche brand site
   Heartland Home palette + per-niche accents
   Single shared stylesheet for all pages
*/

/* ---------- Tokens ---------- */
:root {
  --c-primary: #C25B2B;
  --c-primary-dark: #A04820;
  --c-primary-light: #E8946B;
  --c-cream: #FDF6EC;
  --c-cream-2: #F5EBD9;
  --c-charcoal: #2A2522;
  --c-text: #2A2522;
  --c-text-muted: #6B5F55;
  --c-border: #E5D9C5;
  --c-white: #ffffff;

  --c-mortgages: #C25B2B;
  --c-personal: #2C5F6F;
  --c-auto: #4A6741;
  --c-credit: #B8860B;
  --c-improve: #A0522D;

  --c-success: #2F7D4F;
  --c-danger: #B23A3A;
  --c-link: #2C5F6F;

  --container: 1200px;
  --container-narrow: 720px;
  --radius: 10px;
  --radius-lg: 14px;
  --radius-pill: 999px;

  --font-display: 'Libre Baskerville', Georgia, serif;
  --font-body: 'Nunito', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;

  --shadow-sm: 0 1px 2px rgba(42,37,34,.06), 0 1px 1px rgba(42,37,34,.04);
  --shadow-md: 0 4px 12px rgba(42,37,34,.08), 0 2px 4px rgba(42,37,34,.06);
  --shadow-lg: 0 12px 32px rgba(42,37,34,.12), 0 4px 8px rgba(42,37,34,.06);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font-body); font-size: 16px; line-height: 1.6; color: var(--c-text); background: var(--c-cream); -webkit-font-smoothing: antialiased; }
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--c-link); text-decoration: none; }
a:hover { text-decoration: underline; }
button { font: inherit; cursor: pointer; }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.25; margin: 0 0 0.5em; color: var(--c-charcoal); }
h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: 1.375rem; }
h4 { font-size: 1.125rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.5em; }
li { margin-bottom: 0.4em; }

/* ---------- A11y ---------- */
.skip-link { position: absolute; top: -40px; left: 0; background: var(--c-charcoal); color: var(--c-white); padding: 8px 16px; z-index: 999; }
.skip-link:focus { top: 0; }
:focus-visible { outline: 3px solid var(--c-primary); outline-offset: 2px; border-radius: 4px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---------- Layout ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }
.section { padding: 60px 0; }
.section-sm { padding: 36px 0; }
.section-lg { padding: 96px 0; }

/* ---------- Rate ticker ---------- */
.rate-ticker { background: var(--c-charcoal); color: var(--c-cream); font-size: 0.875rem; padding: 8px 0; overflow: hidden; position: relative; border-bottom: 1px solid rgba(255,255,255,.06); }
.rate-ticker-track { display: flex; gap: 48px; white-space: nowrap; animation: tickerScroll 40s linear infinite; }
.rate-ticker-item { display: inline-flex; align-items: baseline; gap: 6px; font-variant-numeric: tabular-nums; }
.rate-ticker-item strong { color: var(--c-white); font-weight: 700; }
.rate-ticker-item .rate-value { color: var(--c-cream); }
.rate-ticker-item .rate-delta-up { color: #ff8a8a; }
.rate-ticker-item .rate-delta-down { color: #8de89c; }
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Header ---------- */
.site-header { background: var(--c-cream); border-bottom: 1px solid var(--c-border); position: sticky; top: 0; z-index: 100; }
.nav-inner { display: flex; align-items: center; gap: 16px; padding: 14px 24px; max-width: var(--container); margin: 0 auto; }
.nav-logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--c-charcoal); font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; white-space: nowrap; flex-shrink: 0; }
.nav-logo:hover { text-decoration: none; }
.nav-logo .key-icon { width: 24px; height: 24px; color: var(--c-primary); }
.nav-logo strong { color: var(--c-primary); }
.nav-main { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; flex: 1; flex-wrap: nowrap; min-width: 0; }
.nav-main li { flex-shrink: 0; }
.nav-main a { display: inline-block; padding: 8px 10px; color: var(--c-charcoal); font-weight: 600; font-size: 0.88rem; border-radius: var(--radius); transition: background .15s; white-space: nowrap; }
.nav-main a:hover { background: var(--c-cream-2); text-decoration: none; }
.nav-main a[aria-current="page"] { color: var(--c-primary); }
.nav-cta { margin-left: auto; flex-shrink: 0; }
@media (min-width: 1200px) {
  .nav-inner { gap: 24px; }
  .nav-main { gap: 4px; }
  .nav-main a { padding: 8px 12px; font-size: 0.95rem; }
}
.nav-toggle { display: none; background: none; border: 1px solid var(--c-border); border-radius: var(--radius); padding: 8px; color: var(--c-charcoal); }
@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; align-items: center; }
  .nav-main { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; background: var(--c-cream); border-bottom: 1px solid var(--c-border); padding: 12px 24px; gap: 0; }
  .nav-main.open { display: flex; }
  .nav-main a { padding: 12px 8px; border-bottom: 1px solid var(--c-border); border-radius: 0; }
  .nav-cta { display: none; }
}

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 22px; border-radius: var(--radius); font-weight: 700; font-size: 0.95rem; border: 2px solid transparent; text-decoration: none; transition: transform .15s, background .15s, border-color .15s; min-height: 44px; white-space: nowrap; }
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--c-primary); color: var(--c-white); border-color: var(--c-primary); }
.btn-primary:hover { background: var(--c-primary-dark); border-color: var(--c-primary-dark); }
.btn-secondary { background: var(--c-cream); color: var(--c-charcoal); border-color: var(--c-border); }
.btn-secondary:hover { background: var(--c-cream-2); border-color: var(--c-text-muted); }
.btn-ghost { background: transparent; color: var(--c-primary); border-color: transparent; }
.btn-ghost:hover { background: var(--c-cream-2); }
.btn-pill { border-radius: var(--radius-pill); }
.btn-block { display: flex; width: 100%; }
.btn-lg { padding: 16px 28px; font-size: 1.05rem; }
.btn-sm { padding: 8px 14px; font-size: 0.85rem; min-height: 36px; }

/* ---------- Niche accent ---------- */
.niche-mortgages { --niche-accent: var(--c-mortgages); }
.niche-personal { --niche-accent: var(--c-personal); }
.niche-auto { --niche-accent: var(--c-auto); }
.niche-credit { --niche-accent: var(--c-credit); }
.niche-improve { --niche-accent: var(--c-improve); }
.niche-accent-bar { height: 4px; background: var(--niche-accent, var(--c-primary)); width: 100%; }

/* ---------- Breadcrumb ---------- */
.breadcrumb { font-size: 0.875rem; color: var(--c-text-muted); padding: 16px 0 0; }
.breadcrumb a { color: var(--c-text-muted); }
.breadcrumb a:hover { color: var(--c-primary); }
.breadcrumb .sep { margin: 0 6px; opacity: 0.5; }

/* ---------- Hero ---------- */
.hero { padding: 64px 0 48px; background: linear-gradient(180deg, var(--c-cream) 0%, var(--c-cream-2) 100%); }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.hero-eyebrow { display: inline-block; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--c-primary); background: var(--c-white); padding: 6px 12px; border-radius: var(--radius-pill); margin-bottom: 16px; }
.hero h1 { margin-bottom: 16px; }
.hero p.lead { font-size: 1.125rem; color: var(--c-text-muted); margin-bottom: 24px; }
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }
.hero-trust { display: flex; gap: 18px; font-size: 0.85rem; color: var(--c-text-muted); flex-wrap: wrap; }
.hero-trust-item { display: inline-flex; align-items: center; gap: 6px; }
.hero-visual { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-md); }
@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .hero { padding: 40px 0 32px; }
}

/* ---------- Stats strip ---------- */
.stats-strip { background: var(--c-white); border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); padding: 20px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; text-align: center; }
.stat-item .stat-label { font-size: 0.75rem; text-transform: uppercase; color: var(--c-text-muted); letter-spacing: 0.05em; }
.stat-item .stat-value { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; color: var(--c-charcoal); font-variant-numeric: tabular-nums; }
.stat-item .stat-delta { font-size: 0.85rem; font-weight: 700; }
.stat-delta-down { color: var(--c-success); }
.stat-delta-up { color: var(--c-danger); }
@media (max-width: 720px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Niche grid ---------- */
.niche-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.niche-card { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 24px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 12px; transition: transform .2s, box-shadow .2s, border-color .2s; border-top: 4px solid var(--niche-accent, var(--c-primary)); }
.niche-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); text-decoration: none; border-color: var(--niche-accent, var(--c-primary)); }
.niche-card .niche-icon { width: 36px; height: 36px; color: var(--niche-accent, var(--c-primary)); }
.niche-card h3 { margin: 0; font-size: 1.125rem; }
.niche-card .niche-rate { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; color: var(--c-charcoal); font-variant-numeric: tabular-nums; }
.niche-card .niche-rate-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--c-text-muted); }
.niche-card .niche-arrow { margin-top: auto; color: var(--niche-accent, var(--c-primary)); font-weight: 700; font-size: 0.9rem; }

/* ---------- Tools row ---------- */
.tools-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.tool-card { background: var(--c-cream-2); border-radius: var(--radius-lg); padding: 24px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 12px; transition: background .2s; border: 1px solid var(--c-border); }
.tool-card:hover { background: var(--c-cream); text-decoration: none; }
.tool-card .tool-icon { width: 32px; height: 32px; color: var(--c-primary); }
.tool-card h4 { margin: 0; }
.tool-card p { font-size: 0.9rem; color: var(--c-text-muted); margin: 0; }

/* ---------- Compare table ---------- */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1px solid var(--c-border); background: var(--c-white); }
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.95rem; min-width: 640px; }
.compare-table th { text-align: left; padding: 14px 16px; background: var(--c-cream-2); font-weight: 700; color: var(--c-charcoal); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; border-bottom: 1px solid var(--c-border); }
.compare-table td { padding: 16px; border-bottom: 1px solid var(--c-border); vertical-align: middle; font-variant-numeric: tabular-nums; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--c-cream); }
.compare-table .lender-cell { display: flex; align-items: center; gap: 12px; }
.compare-table .lender-logo { width: 40px; height: 40px; background: var(--c-cream-2); border-radius: 8px; display: inline-flex; align-items: center; justify-content: center; color: var(--c-primary); flex-shrink: 0; }
.compare-table .lender-name { font-weight: 700; color: var(--c-charcoal); }
.compare-table .rate-big { font-family: var(--font-display); font-weight: 700; color: var(--c-charcoal); font-size: 1.05rem; }

/* ---------- How it works ---------- */
.howit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.howit-step { background: var(--c-white); border-radius: var(--radius-lg); padding: 24px; border: 1px solid var(--c-border); text-align: left; }
.howit-step .step-num { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; background: var(--c-primary); color: var(--c-white); border-radius: 50%; font-family: var(--font-display); font-weight: 700; margin-bottom: 12px; }
.howit-step h4 { margin-bottom: 8px; }
.howit-step p { font-size: 0.95rem; color: var(--c-text-muted); margin: 0; }
@media (max-width: 760px) { .howit-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-list details { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius); margin-bottom: 12px; padding: 0; transition: border-color .15s; }
.faq-list details[open] { border-color: var(--c-primary-light); }
.faq-list summary { list-style: none; cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--c-charcoal); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; font-size: 1.5rem; color: var(--c-primary); font-weight: 400; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list .faq-body { padding: 0 22px 18px; color: var(--c-text-muted); }

/* ---------- Dual-CTA strip ---------- */
.dual-cta { background: var(--c-cream-2); padding: 48px 0; border-top: 1px solid var(--c-border); }
.dual-cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.dual-cta-card { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 28px; display: flex; flex-direction: column; gap: 12px; text-decoration: none; color: var(--c-text); transition: transform .15s, box-shadow .15s; }
.dual-cta-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); text-decoration: none; }
.dual-cta-card .cta-eyebrow { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--c-text-muted); font-weight: 700; }
.dual-cta-card h3 { margin: 0; font-size: 1.25rem; }
.dual-cta-card p { margin: 0; color: var(--c-text-muted); font-size: 0.95rem; }
.dual-cta-card .cta-link { margin-top: auto; color: var(--c-primary); font-weight: 700; display: inline-flex; align-items: center; gap: 4px; }
@media (max-width: 720px) { .dual-cta-grid { grid-template-columns: 1fr; } }

/* ---------- Sticky CTA (mobile) ---------- */
.sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; background: var(--c-charcoal); padding: 12px 16px; z-index: 80; box-shadow: 0 -4px 12px rgba(42,37,34,.15); }
.sticky-cta .btn { width: 100%; }
@media (max-width: 720px) {
  .sticky-cta.is-active { display: block; }
  body.has-sticky-cta { padding-bottom: 72px; }
}

/* ---------- Modal ---------- */
.modal-backdrop { position: fixed; inset: 0; background: rgba(42,37,34,.55); display: none; align-items: center; justify-content: center; z-index: 200; padding: 16px; animation: fadeIn .2s ease-out; }
.modal-backdrop.is-open { display: flex; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal { background: var(--c-cream); border-radius: var(--radius-lg); padding: 32px; max-width: 460px; width: 100%; position: relative; box-shadow: var(--shadow-lg); }
.modal-close { position: absolute; top: 12px; right: 12px; background: transparent; border: none; color: var(--c-text-muted); width: 36px; height: 36px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; }
.modal-close:hover { background: var(--c-cream-2); }
.modal h3 { margin: 0 0 8px; }
.modal p { color: var(--c-text-muted); margin: 0 0 20px; }
.modal .form-group { margin-bottom: 14px; }
.modal label { display: block; font-size: 0.85rem; font-weight: 700; margin-bottom: 6px; color: var(--c-charcoal); }
.modal input, .modal select { width: 100%; padding: 12px 14px; font: inherit; border: 1px solid var(--c-border); border-radius: var(--radius); background: var(--c-white); color: var(--c-text); }
.modal input:focus, .modal select:focus { outline: 2px solid var(--c-primary); border-color: var(--c-primary); }
.modal .modal-fineprint { font-size: 0.75rem; color: var(--c-text-muted); margin-top: 12px; margin-bottom: 0; }
.modal .modal-dismiss { display: block; margin: 12px auto 0; background: transparent; border: none; color: var(--c-text-muted); font-size: 0.85rem; text-decoration: underline; }
.modal.is-exit { max-width: 520px; padding: 36px; text-align: center; }
.modal.is-exit .exit-rate { font-family: var(--font-display); font-size: 2.5rem; font-weight: 700; color: var(--c-primary); font-variant-numeric: tabular-nums; margin: 8px 0 4px; }
.modal.is-exit .exit-rate-label { font-size: 0.85rem; color: var(--c-text-muted); margin-bottom: 16px; }

/* ---------- Forms ---------- */
.apply-shell { background: var(--c-cream); min-height: 100vh; padding: 24px 0 60px; }
.apply-card { max-width: 720px; margin: 24px auto; background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-md); }
.apply-progress { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.apply-progress-text { font-size: 0.85rem; color: var(--c-text-muted); font-weight: 700; }
.apply-progress-bar { flex: 1; height: 6px; background: var(--c-cream-2); border-radius: var(--radius-pill); margin: 0 16px; overflow: hidden; }
.apply-progress-fill { height: 100%; background: var(--c-primary); width: 0%; transition: width .3s; }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h2 { margin-bottom: 8px; font-size: 1.5rem; }
.form-step .step-sub { color: var(--c-text-muted); margin-bottom: 24px; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 24px; }
.choice-grid.cols-1 { grid-template-columns: 1fr; }
.choice-tile { display: block; padding: 16px 18px; background: var(--c-cream); border: 2px solid var(--c-border); border-radius: var(--radius); cursor: pointer; transition: border-color .15s, background .15s; font-weight: 600; color: var(--c-charcoal); position: relative; }
.choice-tile:hover { border-color: var(--c-primary-light); background: var(--c-cream-2); }
.choice-tile input { position: absolute; opacity: 0; pointer-events: none; }
.choice-tile.selected { border-color: var(--c-primary); background: var(--c-cream-2); }
.choice-tile .tile-sub { display: block; font-weight: 400; font-size: 0.85rem; color: var(--c-text-muted); margin-top: 4px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-grid .full { grid-column: 1 / -1; }
.form-field { margin-bottom: 14px; }
.form-field label { display: block; font-size: 0.85rem; font-weight: 700; margin-bottom: 6px; color: var(--c-charcoal); }
.form-field input, .form-field select { width: 100%; padding: 12px 14px; font: inherit; border: 1px solid var(--c-border); border-radius: var(--radius); background: var(--c-white); }
.form-field input:focus, .form-field select:focus { outline: 2px solid var(--c-primary); border-color: var(--c-primary); }
.form-field-error { color: var(--c-danger); font-size: 0.85rem; margin-top: 4px; display: none; }
.form-field.has-error input, .form-field.has-error select { border-color: var(--c-danger); }
.form-field.has-error .form-field-error { display: block; }
.tcpa-block { background: var(--c-cream-2); padding: 16px; border-radius: var(--radius); font-size: 0.8rem; color: var(--c-text-muted); margin: 16px 0; }
.tcpa-block label { display: flex; gap: 10px; align-items: flex-start; cursor: pointer; }
.tcpa-block input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; }
.form-actions { display: flex; gap: 12px; justify-content: space-between; align-items: center; margin-top: 24px; }
.form-actions .btn-back { background: transparent; border: none; color: var(--c-text-muted); font-weight: 700; padding: 12px 16px; }
.form-trust-strip { display: flex; justify-content: center; gap: 24px; margin-top: 24px; font-size: 0.8rem; color: var(--c-text-muted); flex-wrap: wrap; }
.form-trust-strip span { display: inline-flex; align-items: center; gap: 6px; }
.form-success { display: none; text-align: center; padding: 48px 24px; }
.form-success.is-active { display: block; }
.form-success .success-icon { color: var(--c-success); width: 64px; height: 64px; margin: 0 auto 16px; }
@media (max-width: 720px) {
  .apply-card { padding: 24px; }
  .form-grid { grid-template-columns: 1fr; }
  .choice-grid { grid-template-columns: 1fr; }
}

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-sm); }
.calc-inputs .form-field { margin-bottom: 16px; }
.calc-results { background: var(--c-cream-2); border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; gap: 16px; }
.calc-result-main { font-family: var(--font-display); font-size: 2.5rem; font-weight: 700; color: var(--c-primary); font-variant-numeric: tabular-nums; line-height: 1; }
.calc-result-label { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--c-text-muted); }
.calc-detail-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--c-border); font-size: 0.95rem; }
.calc-detail-row:last-child { border-bottom: none; }
.calc-detail-row .label { color: var(--c-text-muted); }
.calc-detail-row .value { font-weight: 700; font-variant-numeric: tabular-nums; }
.calc-bar-chart { display: flex; height: 32px; border-radius: var(--radius); overflow: hidden; }
.calc-bar-principal { background: var(--c-primary); }
.calc-bar-interest { background: var(--c-personal); }
.calc-legend { display: flex; gap: 16px; font-size: 0.85rem; }
.calc-legend-dot { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: middle; }
.calc-cta { margin-top: 12px; }
@media (max-width: 760px) { .calc-wrap { grid-template-columns: 1fr; padding: 20px; } }

/* ---------- Best-of ---------- */
.bestof-card { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 28px; margin-bottom: 20px; display: grid; grid-template-columns: 64px 1fr auto; gap: 20px; align-items: start; }
.bestof-card .rank-badge { width: 56px; height: 56px; background: var(--c-primary); color: var(--c-white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; }
.bestof-card .lender-h { margin: 0 0 4px; font-size: 1.25rem; }
.bestof-card .lender-tag { font-size: 0.85rem; color: var(--c-text-muted); margin-bottom: 12px; }
.bestof-card .lender-pros, .bestof-card .lender-cons { font-size: 0.9rem; }
.bestof-card .lender-pros li::marker { color: var(--c-success); }
.bestof-card .lender-cons li::marker { color: var(--c-danger); }
.bestof-card .lender-rate-side { text-align: right; min-width: 120px; }
.bestof-card .lender-rate-side .rate-big { font-family: var(--font-display); font-size: 1.75rem; font-weight: 700; color: var(--c-primary); font-variant-numeric: tabular-nums; }
.bestof-card .lender-rate-side .rate-label { font-size: 0.75rem; color: var(--c-text-muted); text-transform: uppercase; }
@media (max-width: 720px) {
  .bestof-card { grid-template-columns: 48px 1fr; }
  .bestof-card .lender-rate-side { grid-column: 1 / -1; text-align: left; }
}
.methodology-box { background: var(--c-cream-2); border-left: 4px solid var(--c-primary); padding: 20px 24px; border-radius: var(--radius); margin-bottom: 32px; }
.methodology-box h4 { margin: 0 0 8px; font-size: 1rem; }
.methodology-box p { font-size: 0.9rem; margin: 0; color: var(--c-text-muted); }
.author-byline { display: flex; align-items: center; gap: 12px; padding: 16px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); font-size: 0.85rem; color: var(--c-text-muted); margin-bottom: 24px; }
.author-byline .avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--c-primary); color: var(--c-white); display: inline-flex; align-items: center; justify-content: center; font-weight: 700; }
.author-byline .author-name { color: var(--c-charcoal); font-weight: 700; }

/* ---------- Blog ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.blog-card { background: var(--c-white); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 24px; text-decoration: none; color: var(--c-text); display: flex; flex-direction: column; gap: 12px; transition: transform .15s, box-shadow .15s; }
.blog-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); text-decoration: none; }
.blog-card .blog-tag { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; font-weight: 700; color: var(--c-primary); }
.blog-card h3 { margin: 0; }
.blog-card .blog-meta { font-size: 0.8rem; color: var(--c-text-muted); margin-top: auto; }
.article { max-width: var(--container-narrow); margin: 0 auto; padding: 32px 24px 64px; }
.article h1 { margin-bottom: 8px; }
.article .article-meta { color: var(--c-text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.article p, .article li { font-size: 1.0625rem; line-height: 1.7; }
.article h2 { margin-top: 40px; }
.article h3 { margin-top: 28px; }
.article blockquote { border-left: 4px solid var(--c-primary); padding: 8px 20px; margin: 24px 0; background: var(--c-cream-2); border-radius: 0 var(--radius) var(--radius) 0; color: var(--c-charcoal); font-style: italic; }

/* ---------- Welcome-back / Solo ---------- */
.solo-hero { background: linear-gradient(180deg, var(--c-charcoal) 0%, #1a1715 100%); color: var(--c-cream); padding: 64px 0; text-align: center; }
.solo-hero .eyebrow { color: var(--c-primary-light); }
.solo-hero h1 { color: var(--c-white); }
.solo-hero p { color: rgba(253,246,236,.85); }
.countdown { display: inline-flex; gap: 8px; justify-content: center; margin: 16px 0 24px; font-variant-numeric: tabular-nums; }
.countdown-block { background: rgba(255,255,255,.08); padding: 12px 16px; border-radius: var(--radius); min-width: 64px; }
.countdown-num { font-family: var(--font-display); font-size: 2rem; font-weight: 700; display: block; line-height: 1; }
.countdown-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.7; }

/* ---------- Trust strip ---------- */
.trust-strip { background: var(--c-white); padding: 32px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; text-align: center; font-size: 0.85rem; color: var(--c-text-muted); }
.trust-grid svg { color: var(--c-primary); margin: 0 auto 8px; }
@media (max-width: 720px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }

/* ---------- Footer ---------- */
.site-footer { background: var(--c-charcoal); color: rgba(253,246,236,.7); padding: 48px 0 24px; margin-top: 60px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 32px; padding: 0 24px; max-width: var(--container); margin: 0 auto; }
.footer-brand { color: var(--c-cream); }
.footer-brand .footer-logo { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--c-white); margin-bottom: 8px; display: block; }
.footer-brand .footer-tagline { font-size: 0.9rem; color: rgba(253,246,236,.6); margin-bottom: 16px; }
.footer-col h5 { color: var(--c-white); font-family: var(--font-body); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 12px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: rgba(253,246,236,.7); font-size: 0.9rem; }
.footer-col a:hover { color: var(--c-white); text-decoration: none; }
.footer-bottom { margin-top: 32px; padding: 24px; border-top: 1px solid rgba(255,255,255,.08); max-width: var(--container); margin-left: auto; margin-right: auto; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; font-size: 0.8rem; color: rgba(253,246,236,.5); }
.footer-bottom a { color: rgba(253,246,236,.7); }
.footer-bottom .footer-disclaimer { max-width: 700px; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- Inline email capture ---------- */
.email-inline { background: var(--c-cream-2); border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: center; }
.email-inline h3 { margin-bottom: 8px; }
.email-inline p { color: var(--c-text-muted); margin: 0; }
.email-inline form { display: flex; gap: 8px; }
.email-inline input { flex: 1; padding: 14px 16px; font: inherit; border: 1px solid var(--c-border); border-radius: var(--radius); background: var(--c-white); }
.email-inline input:focus { outline: 2px solid var(--c-primary); border-color: var(--c-primary); }
@media (max-width: 720px) {
  .email-inline { grid-template-columns: 1fr; padding: 24px; }
  .email-inline form { flex-direction: column; }
}

/* ---------- Section heads ---------- */
.section-head { text-align: center; margin-bottom: 32px; }
.section-head .eyebrow { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--c-primary); margin-bottom: 8px; }
.section-head h2 { margin-bottom: 8px; }
.section-head p { color: var(--c-text-muted); max-width: 600px; margin: 0 auto; }

/* ---------- Offer-wall slot placeholder ---------- */
.offerwall-slot { min-height: 320px; background: var(--c-white); border: 1px dashed var(--c-border); border-radius: var(--radius-lg); padding: 48px 24px; text-align: center; color: var(--c-text-muted); display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px; }
.offerwall-slot[data-loaded="true"] { background: transparent; border: none; padding: 0; min-height: 0; display: block; }
.offerwall-loader { display: inline-block; width: 24px; height: 24px; border: 3px solid var(--c-border); border-top-color: var(--c-primary); border-radius: 50%; animation: spin 1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Misc utils ---------- */
.text-muted { color: var(--c-text-muted); }
.text-center { text-align: center; }
.icon-sm { width: 16px; height: 16px; }
.icon-md { width: 20px; height: 20px; }
.icon-lg { width: 24px; height: 24px; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; } .mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
hr.divider { border: 0; border-top: 1px solid var(--c-border); margin: 32px 0; }
.badge { display: inline-block; padding: 4px 10px; background: var(--c-cream-2); color: var(--c-charcoal); border-radius: var(--radius-pill); font-size: 0.75rem; font-weight: 700; }
.badge-primary { background: var(--c-primary); color: var(--c-white); }