/* ===== LoanMetra — clean paper-and-ink ledger aesthetic ===== */
:root{
  --paper:#faf8f3;
  --card:#ffffff;
  --ink:#1d2630;
  --ink-soft:#4a5661;
  --line:#e3ded2;
  --rule:#d6cfc0;
  --accent:#1a7a63;   /* deep ledger green */
  --accent-soft:#e4f1ec;
  --gold:#b98a2f;
  --danger:#b4412d;
  --shadow:0 1px 2px rgba(29,38,48,.04),0 10px 30px -18px rgba(29,38,48,.28);
  --radius:16px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{
  font-family:'Karla',system-ui,sans-serif;
  background:
    radial-gradient(1200px 420px at 85% -10%, rgba(185,138,47,.10), transparent 60%),
    radial-gradient(900px 380px at -10% 0%, rgba(26,122,99,.10), transparent 55%),
    var(--paper);
  color:var(--ink);
  line-height:1.55;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.brand-name,input,button,.stat-num{font-family:'Gelasio',Georgia,serif;font-weight:700}

.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}

.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:99}
.skip-link:focus{left:8px;top:8px}

/* ===== Header ===== */
.site-head{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.head-inner{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:10px}
.logo{width:38px;height:38px;display:block}
.brand-name{font-size:22px;color:var(--ink);letter-spacing:-.02em}
.brand-name span{color:var(--accent)}
.site-nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0}
.site-nav a{color:var(--ink-soft);font-weight:600;font-size:15px}
.site-nav a:hover{color:var(--accent)}
.menu-btn{display:none}

/* ===== Hero (minimal, tool-first) ===== */
.hero{padding:34px 0 8px}
.eyebrow{font-family:'Karla';font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 10px}
.hero h1{font-size:clamp(30px,5vw,42px);line-height:1.08;letter-spacing:-.03em;margin:0 0 12px;max-width:640px}
.lede{color:var(--ink-soft);max-width:600px;margin:0;font-size:17px}

/* ===== Tool panel ===== */
.tool{padding:20px 0 30px}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.fields-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.input-field label{display:block;font-size:13px;font-weight:700;color:var(--ink-soft);margin-bottom:6px}
.input-suffix{display:flex;align-items:stretch;border:1px solid var(--rule);border-radius:10px;background:var(--paper);overflow:hidden;transition:border-color .15s,box-shadow .15s}
.input-suffix:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(26,122,99,.12)}
.input-suffix .pre,.input-suffix .suffix{display:flex;align-items:center;padding:0 12px;font-size:14px;font-weight:700;color:var(--ink-soft);background:rgba(29,38,48,.03);white-space:nowrap}
.input-suffix .pre{border-right:1px solid var(--rule)}
.input-suffix .suffix{border-left:1px solid var(--rule)}
.input-suffix input{
  width:100%;border:0;outline:0;background:transparent;padding:14px 12px;font-family:'Karla';
  font-size:18px;font-weight:600;color:var(--ink);min-width:0;
}
.input-suffix input::placeholder{color:#b9b2a2}

.seg{margin-top:18px;border:0;padding:0}
.seg legend{font-size:13px;font-weight:700;color:var(--ink-soft);margin-bottom:8px}
.seg-options{display:flex;gap:10px;flex-wrap:wrap}
.seg-btn{
  appearance:none;border:1px solid var(--rule);background:var(--card);color:var(--ink-soft);
  padding:11px 16px;border-radius:10px;font-family:'Karla';font-size:15px;font-weight:700;cursor:pointer;
  transition:all .15s;
}
.seg-btn:hover{border-color:var(--accent);color:var(--accent)}
.seg-btn.active{background:var(--accent);border-color:var(--accent);color:#fff}
.seg-hint{font-size:13px;color:var(--ink-soft);margin:10px 0 0}

.advanced{margin-top:18px;border:1px dashed var(--rule);border-radius:12px;padding:0}
.advanced summary{cursor:pointer;padding:13px 16px;font-weight:700;font-size:15px;color:var(--accent);list-style:none}
.advanced summary::-webkit-details-marker{display:none}
.advanced summary::after{content:'▸';float:right;transition:transform .2s;color:var(--gold)}
.advanced[open] summary::after{transform:rotate(90deg)}
.adv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:0 16px 16px}

.btn-row{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap;align-items:center}
.btn-primary{
  appearance:none;border:1px solid var(--accent);background:var(--accent);color:#fff;cursor:pointer;
  padding:14px 26px;border-radius:11px;font-size:17px;font-weight:800;letter-spacing:.01em;
  box-shadow:0 8px 20px -10px rgba(26,122,99,.6);transition:transform .12s,box-shadow .2s;
}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 12px 24px -10px rgba(26,122,99,.7)}
.btn-primary:active{transform:translateY(0)}
.btn-ghost{
  appearance:none;border:1px solid var(--rule);background:var(--card);color:var(--ink);cursor:pointer;
  padding:14px 22px;border-radius:11px;font-size:15px;font-weight:700;
}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.error-msg{color:var(--danger);font-weight:700;margin-top:14px;min-height:0}
.error-msg:empty::before{content:' ';white-space:pre}

/* ===== Results ===== */
.results{margin-top:22px;animation:rise .4s ease both}
@keyframes rise{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.r-head{padding:18px 20px;border-radius:var(--radius);background:var(--accent-soft);border:1px solid #cfe4db;;display:flex;align-items:baseline;gap:14px;flex-wrap:wrap}
.r-head h2{font-size:40px;margin:0;color:var(--accent);letter-spacing:-.02em}
.r-head-sub{margin:0;font-weight:700;color:var(--accent)}

.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:14px}
.stat{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.stat-num{display:block;font-size:26px;font-weight:700;letter-spacing:-.02em}
.stat-name{display:block;font-size:13px;font-weight:600;color:var(--ink-soft);margin-top:4px}

.compare-panel{margin-top:16px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.compare-panel h3,.extras-panel h3,.amort-head h3{margin:0 0 14px;font-size:19px}
.cmp-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cmp-card{border:1px solid var(--rule);border-radius:12px;padding:16px;background:var(--paper)}
.cmp-card.alt{border-color:#f1ddb8;background:#fdf6e7}
.cmp-term{display:block;font-size:13px;font-weight:700;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.08em}
.cmp-val{display:block;font-size:26px;font-weight:800;margin-top:6px}
.cmp-note{display:block;font-size:13px;color:var(--ink-soft);margin-top:2px}
.cmp-note strong{color:var(--accent)}
.cmp-verdict{margin:14px 0 0;font-size:14px;color:var(--ink-soft);background:var(--accent-soft);border-left:4px solid var(--accent);padding:11px 14px;border-radius:0 8px 8px 0}

.extras-panel{margin-top:16px;background:#fdf6e7;border:1px solid #f1ddb8;border-radius:14px;padding:20px}
.extras-panel h3{color:#9a7120}
.extras-panel .stat-num{color:#b98a2f}
.stat-grid.three{grid-template-columns:repeat(3,1fr)}
.extras-note{margin:12px 0 0;font-size:14px;color:var(--ink-soft)}

.amort-panel{margin-top:16px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.amort-head{display:flex;align-items:baseline;justify-content:space-between;gap:10px}
.amort-count{font-size:13px;font-weight:700;color:var(--ink-soft)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:10px}
.amt-table{width:100%;border-collapse:collapse;font-size:14px;min-width:520px}
.amt-table th{background:var(--paper);text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);padding:11px 12px;border-bottom:1px solid var(--line);position:sticky;top:0}
.amt-table td{padding:10px 12px;border-bottom:1px solid #f1ede3;font-variant-numeric:tabular-nums}
.amt-table tr:last-child td{border-bottom:0;background:var(--accent-soft);font-weight:700}
.amt-table td:nth-child(3){color:var(--accent)}
.amt-table td:nth-child(4){color:var(--gold)}

.disclaimer-micro{margin-top:14px;font-size:12px;color:#9b9486;font-style:italic}

/* ===== Why / steps ===== */
.why{padding:26px 0 10px}
.why-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:start}
.why-copy h2{font-size:28px;letter-spacing:-.02em;margin:0 0 12px}
.why-copy p{color:var(--ink-soft);margin:0}
.why-steps{margin:0;padding:0;list-style:none;counter-reset:step}
.why-steps li{counter-increment:step;position:relative;padding:10px 0 10px 46px;border-bottom:1px dashed var(--rule);font-size:16px}
.why-steps li:last-child{border-bottom:0}
.why-steps li::before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:10px;font-family:'Gelasio';font-weight:700;color:var(--gold);font-size:20px}
.why-steps strong{color:var(--ink)}

/* ===== FAQ ===== */
.faq{padding:22px 0}
.faq h2{font-size:28px;letter-spacing:-.02em}
.faq-item{border-bottom:1px solid var(--line);padding:6px 0}
.faq-item summary{cursor:pointer;font-weight:700;font-size:17px;padding:14px 0;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item p{margin:0 0 16px;color:var(--ink-soft);max-width:760px}

/* ===== Articles teaser ===== */
.articles-teaser{padding:12px 0 30px}
.teaser-head{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:14px}
.teaser-head h2{font-size:26px;letter-spacing:-.02em;margin:0}
.text-link{font-weight:800;font-size:16px}
.teaser-card{margin-top:12px;background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:box-shadow .2s}
.teaser-card:hover{box-shadow:var(--shadow)}
.teaser-card a{display:block;padding:18px 22px;color:var(--ink)}
.teaser-card h3{font-size:19px;margin:0 0 6px;letter-spacing:-.01em}
.teaser-card p{margin:0;color:var(--ink-soft);font-size:15px}

/* ===== Static / compliance pages ===== */
.page{padding:42px 0 58px;min-height:60vh}
.page-narrow{max-width:760px}
.page h1{font-size:clamp(28px,4.4vw,40px);letter-spacing:-.02em;margin:0 0 8px}
.page-lede{font-size:18px;color:var(--ink-soft);margin:0 0 26px}
.page h2{font-size:24px;letter-spacing:-.01em;margin:34px 0 10px}
.page p,.page li{color:var(--ink-soft);font-size:16px}
.page ul{padding-left:22px}
.page a.text-link{font-weight:800}
.page table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.page th,.page td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.page th{background:var(--paper);font-weight:700}
.article-card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin-bottom:14px;color:var(--ink);display:block;transition:box-shadow .2s}
.article-card:hover{box-shadow:var(--shadow)}
.article-card h3,.article-card h2{font-size:20px;margin:0 0 6px;letter-spacing:-.01em}
.article-card p{margin:0;color:var(--ink-soft);font-size:15px}
.article-meta{display:flex;gap:16px;flex-wrap:wrap;font-size:13px;font-weight:700;color:var(--gold);margin:0 0 22px}
.article-body p{font-size:17px;line-height:1.75;margin:0 0 18px}
.article-body h2{font-size:25px;margin:34px 0 12px;letter-spacing:-.015em}
.article-body table{margin-top:4px}

/* ===== Footer ===== */
.site-foot{background:var(--ink);color:#cfd6dc;padding:34px 0;font-size:14px}
.foot-grid{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.foot-brand{font-family:'Gelasio';font-weight:700;font-size:17px;color:#fff;margin:0}
.site-foot ul{display:flex;gap:20px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.site-foot a{color:#cfd6dc}
.site-foot a:hover{color:#fff}
.foot-legal{margin-top:18px;color:#8b959d;font-size:12px}

/* ===== Cookie banner ===== */
.cookie-banner{position:fixed;left:0;right:0;bottom:0;background:var(--ink);color:#fff;padding:16px 22px;display:none;z-index:50;box-shadow:0 -6px 24px rgba(0,0,0,.2)}
.cookie-banner.show{display:block}
.cookie-banner p{margin:0;line-height:1.6}
.cookie-banner .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:0}
.cookie-banner button{background:var(--accent);border:0;color:#fff;font-weight:700;border-radius:8px;padding:10px 18px;cursor:pointer;font-family:'Karla'}
.cookie-banner button+button{background:transparent;border:1px solid #55616b;margin-left:8px}
.cookie-banner button:hover{filter:brightness(1.08)}

/* ===== Responsive ===== */
@media (max-width:860px){
  .fields-grid{grid-template-columns:1fr 1fr}
  .fields-grid .input-field:last-child{grid-column:1/-1}
  .adv-grid{grid-template-columns:1fr 1fr}
  .why-grid{grid-template-columns:1fr}
  .stat-grid,.stat-grid.three,.cmp-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .site-nav{position:relative}
  .menu-btn{display:block;appearance:none;border:1px solid var(--rule);background:var(--card);color:var(--ink);font-family:'Karla';font-weight:700;padding:10px 16px;border-radius:9px;cursor:pointer}
  .site-nav ul{display:none;position:absolute;right:0;top:calc(100% + 8px);background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);flex-direction:column;gap:0;padding:8px;min-width:180px}
  .site-nav.open ul{display:flex}
  .site-nav ul a{display:block;padding:11px 14px;border-radius:8px}
  .site-nav ul a:hover{background:var(--paper)}
  .fields-grid,.adv-grid,.stat-grid,.stat-grid.three,.cmp-grid{grid-template-columns:1fr}
  .r-head h2{font-size:32px}
  .head-inner{padding-top:12px;padding-bottom:12px}
}
@media (max-width:480px){
  body{font-size:16px}
  .panel{padding:18px}
  .hero h1{font-size:28px}
}
@media (min-width:721px){
  .site-nav ul{display:flex!important}
  .menu-btn{display:none!important}
}

/* Touch hover safety */
@media (hover:none){.seg-btn:hover,.btn-primary:hover,.btn-ghost:hover{transform:none}}