/* ============================================================
   OwningCost — shared platform stylesheet
   v4 — multi-page expansion
   ============================================================ */

:root{
  /* Brand palette — pulled from the OwningCost logo */
  --blue-50:  #EEF5FF;
  --blue-100: #DDEBFE;
  --blue-200: #B9D5FD;
  --blue-300: #8DBAFA;
  --blue-500: #2B7BE0;
  --blue-600: #1C6DD9;
  --blue-700: #0F55B5;
  --blue-900: #0A2F63;
  --green-100:#E7F7E3;
  --green-500:#4EB63C;
  --green-600:#3F9A2F;
  --green-700:#2F7C24;
  --green-800:#246019;

  /* Editorial neutrals */
  --bg:       #FAFAF7;
  --surface:  #FFFFFF;
  --surface-2:#F4F3ED;
  --ink:      #0D1321;
  --ink-2:    #1E2230;
  --muted:    #5B6472;
  --subtle:   #8A90A0;
  --border:   #ECE9DF;
  --border-2: #DCD7C8;

  /* Effects */
  --shadow-xs: 0 1px 2px rgba(10,20,40,.04);
  --shadow-sm: 0 1px 2px rgba(10,20,40,.04), 0 1px 1px rgba(10,20,40,.03);
  --shadow-md: 0 12px 32px -16px rgba(10,20,40,.10), 0 2px 6px rgba(10,20,40,.04);
  --shadow-lg: 0 30px 60px -22px rgba(10,20,40,.16), 0 4px 12px rgba(10,20,40,.04);

  /* Type */
  --serif: "Fraunces", "Times New Roman", Georgia, serif;
  --sans:  "Manrope", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif;

  /* Layout */
  --container: 1200px;
  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 20px;
  --radius-xl: 26px;
}

/* ============================================================
   BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
body{
  margin:0;
  font-family:var(--sans);
  font-size:16.5px;
  line-height:1.6;
  color:var(--ink);
  background:var(--bg);
  font-feature-settings:"ss01","ss02","cv11";
  overflow-x:hidden;
}
img,svg{display:block;max-width:100%}
a{color:var(--blue-700);text-decoration:none}
a:hover{color:var(--blue-600)}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
input,select,textarea{font:inherit;color:inherit}
::selection{background:var(--blue-900);color:#fff}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;letter-spacing:-0.02em;color:var(--ink);margin:0;line-height:1.08;font-variation-settings:"opsz" 144}
h1{font-size:clamp(2.25rem,4vw + 1.1rem,4.2rem)}
h2{font-size:clamp(1.85rem,2.4vw + 1rem,3rem);line-height:1.1}
h3{font-size:clamp(1.2rem,0.5vw + 1rem,1.45rem);line-height:1.25;letter-spacing:-0.015em}
h4{font-size:1.05rem;line-height:1.35;letter-spacing:-0.01em}
p{margin:0}

:focus-visible{outline:3px solid var(--blue-500);outline-offset:3px;border-radius:6px}

/* Skip link */
.skip{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden;z-index:1000}
.skip:focus{
  position:fixed;left:16px;top:16px;width:auto;height:auto;padding:.6rem 1rem;
  background:var(--ink);color:#fff;border-radius:8px;
}

.container{max-width:var(--container);margin:0 auto;padding:0 20px}
@media (min-width:760px){.container{padding:0 32px}}

/* ============================================================
   UTIL
   ============================================================ */
.eyebrow{
  display:inline-flex;align-items:center;gap:.55rem;
  font-family:var(--sans);font-size:.76rem;font-weight:600;
  letter-spacing:.16em;text-transform:uppercase;color:var(--blue-700);
}
.eyebrow::before{content:"";width:22px;height:1px;background:currentColor;opacity:.5}

.btn{
  --_bg:var(--ink);--_fg:#fff;--_bd:var(--ink);
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.9rem 1.3rem;border-radius:999px;font-weight:600;font-size:.95rem;
  background:var(--_bg);color:var(--_fg);border:1px solid var(--_bd);
  transition:transform .2s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease;
  box-shadow:var(--shadow-xs);
}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-md);color:var(--_fg)}
.btn:active{transform:translateY(0)}
.btn--primary{--_bg:var(--blue-600);--_fg:#fff;--_bd:var(--blue-600)}
.btn--primary:hover{--_bg:var(--blue-700);--_bd:var(--blue-700)}
.btn--ghost{--_bg:transparent;--_fg:var(--ink);--_bd:var(--border-2)}
.btn--ghost:hover{--_bg:var(--surface)}
.btn--sm{padding:.7rem 1.1rem;font-size:.9rem}
.btn svg{width:16px;height:16px}

/* ============================================================
   HEADER — slightly larger logo for stronger brand presence
   ============================================================ */
.header{
  position:sticky;top:0;z-index:50;
  background:rgba(250,250,247,.78);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .25s ease, background .25s ease;
}
.header.is-scrolled{border-bottom-color:var(--border);background:rgba(250,250,247,.94)}
.header__inner{display:flex;align-items:center;gap:1rem;height:64px}
@media (min-width:520px){.header__inner{height:72px}}
@media (min-width:1080px){.header__inner{height:78px;gap:1.1rem}}

.brand{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--serif);font-weight:600;color:var(--ink);letter-spacing:-.01em;line-height:1;flex-shrink:0}
.brand__logo{height:32px;width:auto;display:block}
@media (min-width:520px){.brand__logo{height:38px}}
@media (min-width:1080px){.brand__logo{height:40px}}
.brand__wordmark{display:none}

.nav{display:none;margin-left:auto;gap:.05rem;align-items:center}
@media (min-width:1080px){.nav{display:flex}}
.nav > a, .nav__item--mega > a.has-mega{
  position:relative;padding:.55rem .7rem;color:var(--muted);font-weight:500;font-size:.9rem;
  white-space:nowrap;
  transition:color .2s ease;
}
.nav > a::after, .nav__item--mega > a.has-mega::after{
  content:"";position:absolute;left:.7rem;right:.7rem;bottom:.4rem;height:1px;
  background:var(--ink);transform:scaleX(0);transform-origin:center;
  transition:transform .25s ease;
}
.nav > a:hover, .nav__item--mega > a.has-mega:hover{color:var(--ink)}
.nav > a:hover::after, .nav__item--mega > a.has-mega:hover::after{transform:scaleX(.6)}
.nav > a.is-active, .nav__item--mega > a.is-active{color:var(--ink)}
.nav > a.is-active::after, .nav__item--mega > a.is-active::after{transform:scaleX(.6)}

/* Header right-cluster: CTA + hamburger.
   Mobile: hamburger only (CTA hidden to keep the corner clean).
   Tablet+: CTA visible alongside the hamburger.
   Desktop (1080+): hamburger hidden; CTA sits next to nav. */
.header__cta{margin-left:auto;display:flex;align-items:center;gap:.55rem;flex-shrink:0}
@media (min-width:1080px){.header__cta{margin-left:1rem}}
.header__cta .btn{padding:.65rem 1rem;font-size:.88rem;line-height:1;white-space:nowrap}
@media (min-width:1080px){.header__cta .btn{padding:.7rem 1.05rem;font-size:.9rem}}
/* Hide the CTA text-button below tablet to give the hamburger room and
   prevent the mobile header from looking cramped. */
@media (max-width:559px){.header__cta .btn{display:none}}

.menu-toggle{
  display:inline-flex;align-items:center;justify-content:center;
  width:44px;height:44px;border-radius:10px;
  background:var(--surface);border:1px solid var(--border);
  color:var(--ink-2);
  flex-shrink:0;padding:0;line-height:0;
  transition:background .2s ease,border-color .2s ease,color .2s ease;
}
.menu-toggle:hover{background:var(--surface-2);border-color:var(--border-2);color:var(--ink)}
.menu-toggle:focus-visible{outline:3px solid var(--blue-500);outline-offset:2px}
.menu-toggle svg{width:20px;height:20px;display:block}
.menu-toggle .menu-icon-x{display:none}
.menu-toggle[aria-expanded="true"] .menu-icon-bars{display:none}
.menu-toggle[aria-expanded="true"] .menu-icon-x{display:block}
@media (min-width:1080px){.menu-toggle{display:none}}

.mobile-nav{display:none;border-top:1px solid var(--border);background:var(--bg);padding:.4rem 0 1.2rem;max-height:calc(100vh - 64px);overflow-y:auto;-webkit-overflow-scrolling:touch}
@media (min-width:520px){.mobile-nav{max-height:calc(100vh - 72px)}}
.mobile-nav.is-open{display:block}
.mobile-nav > a{
  display:block;padding:.85rem 0;font-size:1rem;color:var(--ink-2);font-weight:500;
  border-bottom:1px solid var(--border);
}
.mobile-nav > a:last-of-type{border-bottom:0}

/* Grouped mobile drawer (Calculators / Sections / More) */
.mnav__group{border-bottom:1px solid var(--border)}
.mnav__group:last-child{border-bottom:0}
.mnav__group > summary{
  list-style:none;cursor:pointer;
  padding:1.05rem .25rem;
  font-family:var(--sans);font-size:.74rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;color:var(--subtle);
  display:flex;justify-content:space-between;align-items:center;
  user-select:none;-webkit-tap-highlight-color:transparent;
}
.mnav__group > summary::-webkit-details-marker{display:none}
.mnav__group > summary::after{
  content:"";display:inline-block;width:10px;height:10px;
  border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);
  transform:rotate(45deg);transform-origin:center;
  transition:transform .22s ease;margin-right:.25rem;margin-top:-3px;
}
.mnav__group[open] > summary::after{transform:rotate(225deg);margin-top:3px}
.mnav__group > summary:hover::after{border-color:var(--ink-2)}
.mnav__group a{
  display:block;padding:.78rem .25rem;font-size:.96rem;
  color:var(--ink-2);font-weight:500;border-top:1px solid var(--border);
  -webkit-tap-highlight-color:transparent;
}
.mnav__group a:hover{color:var(--blue-700);background:var(--surface-2)}
.mnav__group a:active{background:var(--surface-2)}
.mnav__group a.is-active{color:var(--blue-700);font-weight:600}

/* ============================================================
   MEGA-MENU (Calculators dropdown panel)
   ============================================================ */

/* Wrap Calculators item so the panel can be absolutely positioned */
.nav__item--mega{position:relative;display:inline-block}

/* The trigger anchor */
.nav__item--mega > a.has-mega{
  display:inline-flex;align-items:center;gap:.35rem;cursor:pointer;
}
.nav__caret{
  transition:transform .2s ease;color:var(--subtle);
  transform:translateY(.5px);
}
.nav__item--mega:hover .nav__caret,
.nav__item--mega:focus-within .nav__caret,
.nav__item--mega.is-open .nav__caret{
  transform:translateY(.5px) rotate(180deg);color:var(--ink);
}

/* The panel itself */
.mega{
  position:absolute;top:calc(100% + 4px);left:50%;transform:translateX(-50%) translateY(-6px);
  width:min(840px, calc(100vw - 32px));
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:14px;
  box-shadow:0 22px 50px -10px rgba(15,23,42,.18), 0 8px 16px rgba(15,23,42,.06);
  padding:1.35rem 1.5rem 1.1rem;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .15s ease, transform .18s ease, visibility .15s linear;
  z-index:50;
}
/* Open on hover (desktop) and on focus-within (keyboard) */
.nav__item--mega:hover .mega,
.nav__item--mega:focus-within .mega,
.nav__item--mega.is-open .mega{
  opacity:1;visibility:visible;pointer-events:auto;
  transform:translateX(-50%) translateY(0);
}

/* Bridge gap so cursor moving from trigger to panel doesn't lose hover */
.nav__item--mega::before{
  content:"";position:absolute;left:0;right:0;top:100%;height:10px;
}

.mega__grid{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:1.6rem 1.4rem;
}
.mega__col h4.mega__heading{
  font-family:var(--sans);font-size:.7rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;color:var(--subtle);
  margin:0 0 .65rem;
}
.mega__col ul{list-style:none;margin:0;padding:0}
.mega__col li{margin:0}
.mega__col a{
  display:block;padding:.4rem 0;
  color:var(--ink-2);font-size:.92rem;font-weight:500;line-height:1.35;
  border-radius:4px;
  transition:color .15s ease, transform .15s ease;
}
.mega__col a:hover{color:var(--blue-700);transform:translateX(2px)}
.mega__tag{
  display:inline-block;margin-left:.45rem;padding:1px 7px;
  font-family:var(--sans);font-size:.62rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
  background:var(--green-100, #E5F4DF);color:var(--green-800, #2E7621);
  border-radius:99px;vertical-align:middle;
}
/* Signature flagship tag — distinguishes the platform's most important calculators
   (Listing Reality Check, True Monthly Cost, Affordability + Risk) in the mega-menu.
   Visually weightier than the default green pill: solid dark background, white text. */
.mega__tag--sig{
  background:var(--ink, #0d1321);color:#fff;
  letter-spacing:.12em;
}
/* New tag — slightly emphasized variant of the default for fresh additions to the catalog. */
.mega__tag--new{
  background:rgba(78,182,60,.18);color:var(--green-800, #2E7621);
  font-weight:800;
}

.mega__footer{
  margin-top:1.15rem;padding-top:.95rem;
  border-top:1px solid var(--border);
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:.75rem;
  font-size:.85rem;
}
.mega__footer a{
  color:var(--blue-700);font-weight:500;
  transition:color .15s ease;
}
.mega__footer a:hover{color:var(--blue-900, #093A82)}
.mega__footer a:last-child{font-weight:600}

/* Hide mega-menu on small screens — mobile drawer takes over */
@media (max-width:1039px){
  .mega{display:none}
  .nav__item--mega > a.has-mega{pointer-events:auto}
}

/* ============================================================
   SECTION DROPDOWNS — narrower single-column panels for
   Buying / Renting / Owning / Financing / Risk / Learn / AI Tools
   ============================================================ */
.mega--section{
  width:320px;
  padding:.75rem .9rem 1rem;
}

/* Lead "X hub →" link — distinctive lead row */
.mega__hub-row{
  display:flex;align-items:center;justify-content:space-between;
  padding:.55rem .6rem;
  margin:-.15rem -.3rem .35rem;
  border-radius:8px;
  background:var(--surface-2, #F4F5F8);
  font-weight:600;color:var(--ink);font-size:.94rem;
  transition:background .15s ease, transform .15s ease;
}
.mega__hub-row:hover{
  background:rgba(28,109,217,.07);
  transform:translateX(2px);
}
.mega__hub-label{line-height:1.2}
.mega__hub-arrow{color:var(--blue-700);font-weight:700;opacity:.8}
.mega__hub-row:hover .mega__hub-arrow{opacity:1}

/* Sub-section header inside a section dropdown (e.g. "Calculators", "Guides") */
.mega__subhead{
  font-family:var(--sans);
  font-size:.66rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;
  color:var(--subtle);
  padding:.85rem .6rem .35rem;
}
.mega__subhead:first-child,
.mega__hub-row + .mega__subhead{padding-top:.55rem}

/* Regular section-link entries within a section dropdown */
.mega__section-link{
  display:flex;align-items:center;justify-content:space-between;
  gap:.5rem;
  padding:.42rem .6rem;
  border-radius:6px;
  color:var(--ink-2);font-size:.91rem;font-weight:500;
  line-height:1.3;
  transition:color .15s ease, background .15s ease, transform .15s ease;
}
.mega__section-link:hover{
  color:var(--blue-700);background:var(--surface-2, #F4F5F8);
  transform:translateX(2px);
}

/* Soft de-emphasis on Coming Soon entries (AI Tools) — accurate visual state */
/* Coming Soon tag — amber, distinct from green Guide / dark Signature / blue Beta */
/* ============================================================
   DESKTOP NAV — tightened spacing to fit 10 items comfortably
   ============================================================ */
@media (min-width:1080px){
  .nav{gap:.02rem}
  .nav > a, .nav__item--mega > a.has-mega{
    padding:.55rem .55rem;
    font-size:.87rem;
  }
}
@media (min-width:1080px) and (max-width:1199px){
  .nav > a, .nav__item--mega > a.has-mega{
    padding:.55rem .45rem;
    font-size:.83rem;
  }
}

/* ============================================================
   MOBILE DRAWER — top-level Home/About links + per-item tags
   ============================================================ */
.mobile-nav > a.mnav__link{
  display:block;padding:1.05rem .25rem;
  font-family:var(--sans);font-size:.74rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;
  color:var(--ink);
  border-bottom:1px solid var(--border);
  -webkit-tap-highlight-color:transparent;
}
.mobile-nav > a.mnav__link:hover, .mobile-nav > a.mnav__link:active{color:var(--blue-700);background:var(--surface-2)}
.mobile-nav > a.mnav__link.is-active{color:var(--blue-700)}

/* Compact tags inside mobile drawer entries */
.mnav__tag{
  display:inline-block;margin-left:.4rem;padding:1px 7px;
  font-family:var(--sans);font-size:.58rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
  background:var(--green-100, #E5F4DF);color:var(--green-800, #2E7621);
  border-radius:99px;vertical-align:middle;
}
.mnav__tag--sig{background:var(--ink, #0d1321);color:#fff}
.mnav__tag--new{background:rgba(78,182,60,.2);color:var(--green-800, #2E7621);font-weight:800}
/* ============================================================
   BREADCRUMBS (subpages)
   ============================================================ */
.crumbs{
  font-size:.83rem;color:var(--muted);
  display:flex;align-items:center;flex-wrap:wrap;gap:.4rem;
  padding:1.1rem 0 0;
}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--ink)}
.crumbs .sep{opacity:.5}
.crumbs .current{color:var(--ink);font-weight:600}

/* ============================================================
   HERO — homepage
   ============================================================ */
.hero{position:relative;padding:clamp(2.5rem,5vw,5rem) 0 clamp(3rem,5vw,5.5rem);overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:-120px -15% auto auto;width:560px;height:560px;pointer-events:none;
  background:radial-gradient(closest-side, rgba(28,109,217,.07), transparent 70%);
  filter:blur(20px);
}
.hero::after{
  content:"";position:absolute;inset:auto auto -180px -15%;width:480px;height:480px;pointer-events:none;
  background:radial-gradient(closest-side, rgba(78,182,60,.05), transparent 70%);
  filter:blur(24px);
}
.hero__grid{
  position:relative;z-index:1;display:grid;gap:2.75rem;align-items:center;
  grid-template-columns:1fr;
}
@media (min-width:1024px){.hero__grid{grid-template-columns:1.15fr 1fr;gap:4rem}}
.hero__headline{margin-top:1.1rem}
.hero__headline em{
  font-style:italic;font-family:var(--serif);color:var(--blue-700);
  font-variation-settings:"opsz" 144, "SOFT" 100;
}
.hero__lede{
  margin-top:1.4rem;font-size:clamp(1.02rem,.3vw + .95rem,1.15rem);
  color:var(--muted);max-width:36rem;line-height:1.55;
}
.hero__ctas{margin-top:1.85rem;display:flex;flex-wrap:wrap;gap:.65rem}
.hero__proof{
  margin-top:2rem;display:flex;align-items:center;gap:1rem;
  font-size:.86rem;color:var(--muted);line-height:1.55;
}
.hero__proof .stars{color:var(--green-600);letter-spacing:.1em;font-weight:700;flex:0 0 auto}
.hero__proof__icon{
  color:var(--green-500);font-size:.7rem;line-height:1;flex:0 0 auto;
  filter:drop-shadow(0 0 4px rgba(78,182,60,.4));
}
.hero__proof strong{color:var(--ink);font-weight:600}

/* Hero cost card */
.costcard{
  position:relative;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-xl);padding:1.6rem;box-shadow:var(--shadow-lg);
}
@media (min-width:520px){.costcard{padding:1.85rem}}
.costcard__head{display:flex;align-items:center;justify-content:space-between;margin-bottom:1rem}
.costcard__label{font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle)}
.costcard__pill{
  display:inline-flex;align-items:center;gap:.4rem;
  padding:.25rem .55rem;border-radius:999px;background:var(--green-100);color:var(--green-600);
  font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
}
.costcard__pill--sample{
  background:var(--surface-2);color:var(--subtle);
}
.costcard__pill .dot{width:6px;height:6px;border-radius:50%;background:var(--green-500);animation:pulse 2.4s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:.55;transform:scale(.9)}50%{opacity:1;transform:scale(1.15)}}
.costcard__addr{font-family:var(--serif);font-size:1.1rem;font-weight:600;margin-bottom:.15rem;line-height:1.3}
.costcard__sub{font-size:.85rem;color:var(--muted);margin-bottom:1.25rem}
.costcard__total{display:flex;align-items:baseline;gap:.5rem;margin-bottom:1.25rem}
.costcard__total .num{font-family:var(--serif);font-size:clamp(2.7rem,1.5vw + 2.2rem,3.4rem);font-weight:600;letter-spacing:-.035em;color:var(--ink);line-height:.95}
.costcard__total .per{color:var(--muted);font-weight:500}
.costcard__cta{
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  margin-top:1.25rem;padding:.85rem 1rem;border-radius:10px;
  background:var(--blue-600);color:#fff;font-weight:600;font-size:.92rem;
  text-decoration:none;letter-spacing:-.005em;
  border:1px solid var(--blue-600);
  transition:background .2s ease, border-color .2s ease, transform .15s ease, box-shadow .2s ease;
}
.costcard__cta:hover{
  background:var(--blue-700);border-color:var(--blue-700);
  color:#fff;transform:translateY(-1px);box-shadow:0 4px 12px -4px rgba(28,109,217,.4);
}
.costcard__cta:focus-visible{outline:2px solid var(--blue-600);outline-offset:3px}
.costcard__cta span{font-weight:500;transition:transform .2s ease;display:inline-block}
.costcard__cta:hover span{transform:translateX(3px)}

.stack{display:flex;flex-direction:column;gap:.5rem}
.stack__row{
  display:grid;grid-template-columns:10px 1fr auto;align-items:center;gap:.7rem;
  padding:.55rem .75rem;border-radius:9px;background:var(--surface-2);
  font-size:.92rem;
}
.stack__row.is-hidden{
  background:linear-gradient(0deg, rgba(78,182,60,.07), rgba(78,182,60,.07)), var(--surface-2);
}
.stack__swatch{width:10px;height:10px;border-radius:3px}
.stack__swatch--1{background:var(--blue-700)}
.stack__swatch--2{background:var(--blue-500)}
.stack__swatch--3{background:#7AA9EB}
.stack__swatch--4{background:#B6CDF0}
.stack__swatch--5{background:var(--green-500)}
.stack__swatch--6{background:var(--green-600)}
.stack__label{color:var(--ink-2);font-weight:500}
.stack__amt{font-variant-numeric:tabular-nums;font-weight:600;color:var(--ink)}
.stack__row--note{background:transparent;padding:.35rem .75rem;color:var(--muted);font-size:.81rem;grid-template-columns:1fr}

.bar{
  display:flex;height:9px;border-radius:999px;overflow:hidden;
  margin:1rem 0 .5rem;background:var(--surface-2);
}
.bar > span{display:block;height:100%}
.bar > .b1{background:var(--blue-700)}
.bar > .b2{background:var(--blue-500)}
.bar > .b3{background:#7AA9EB}
.bar > .b4{background:#B6CDF0}
.bar > .b5{background:var(--green-500)}
.bar > .b6{background:var(--green-600)}
.bar__legend{font-size:.76rem;color:var(--muted);line-height:1.45}

/* ============================================================
   PAGE HERO (calculator pages)
   ============================================================ */
.phero{padding:1.5rem 0 clamp(2rem,3vw,3rem);position:relative}
.phero__grid{display:grid;gap:.85rem;max-width:780px}
.phero h1{font-size:clamp(2.1rem,2.5vw + 1.4rem,3.4rem);margin-top:.6rem}
.phero__sub{color:var(--muted);font-size:1.05rem;line-height:1.55;max-width:36rem;margin-top:.2rem}
.phero__meta{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.1rem}
.phero__updated{font-size:.78rem;color:var(--subtle);font-weight:500;margin-top:1.2rem;letter-spacing:.005em}
.phero__meta .chip{
  display:inline-flex;align-items:center;gap:.4rem;
  padding:.32rem .7rem;border-radius:999px;
  background:var(--surface);border:1px solid var(--border);
  font-size:.78rem;font-weight:600;color:var(--ink-2);
}
.phero__meta .chip.is-live{color:var(--green-600);border-color:rgba(78,182,60,.3);background:var(--green-100)}
.phero__meta .chip.is-live::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green-500);box-shadow:0 0 0 3px rgba(78,182,60,.2)}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.strip{
  border-block:1px solid var(--border);background:var(--surface);
  padding:1.15rem 0;
}
.strip__row{
  display:grid;gap:1rem 2rem;align-items:center;
  grid-template-columns:repeat(2,1fr);
}
@media (min-width:780px){.strip__row{grid-template-columns:auto repeat(4,1fr)}}
.strip__label{font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--subtle)}
.strip__item{display:flex;align-items:baseline;gap:.5rem}
.strip__num{font-family:var(--serif);font-size:1.55rem;font-weight:600;letter-spacing:-.02em;color:var(--ink)}
.strip__name{font-size:.83rem;color:var(--muted)}

/* ============================================================
   SECTIONS
   ============================================================ */
.section{padding:clamp(3.5rem,5.5vw,6rem) 0;position:relative}
.section--tight{padding:clamp(2.5rem,4vw,4rem) 0}
.section--surface{background:var(--surface);border-block:1px solid var(--border)}
.section__head{max-width:680px;margin:0 auto 2.75rem;text-align:center}
.section__head--left{margin:0 0 2.5rem;text-align:left;max-width:580px}
.section__kicker{margin-bottom:.85rem}
.section__sub{color:var(--muted);font-size:1.02rem;margin-top:.95rem;line-height:1.55}

/* ============================================================
   PILLARS (homepage)
   ============================================================ */
.pillars{display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:720px){.pillars{grid-template-columns:repeat(3,1fr)}}

.pillar{
  position:relative;padding:1.55rem;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);
  transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  display:flex;flex-direction:column;gap:.85rem;
}
.pillar:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--blue-200)}
.pillar__icon{
  width:42px;height:42px;border-radius:11px;display:grid;place-items:center;
  background:var(--blue-50);color:var(--blue-700);
}
.pillar__icon svg{width:21px;height:21px}
.pillar:nth-child(2) .pillar__icon{background:var(--green-100);color:var(--green-600)}
.pillar:nth-child(3) .pillar__icon{background:#FFF3E0;color:#B56A00}
.pillar h3{font-size:1.25rem}
.pillar p{color:var(--muted);font-size:.95rem;line-height:1.55}
.pillar__link{
  margin-top:.4rem;font-weight:600;font-size:.9rem;color:var(--ink);
  display:inline-flex;align-items:center;gap:.4rem;
}
.pillar__link::after{content:"→";transition:transform .2s ease}
.pillar:hover .pillar__link::after{transform:translateX(3px)}

/* ============================================================
   FEATURE
   ============================================================ */
.feature{display:grid;gap:2.75rem;align-items:center;grid-template-columns:1fr}
@media (min-width:980px){.feature{grid-template-columns:1fr 1.1fr;gap:4.5rem}}
.feature h2{margin-top:.85rem}
.feature__sub{color:var(--muted);font-size:1.02rem;margin-top:1rem;max-width:34rem;line-height:1.55}
.feature__points{
  margin-top:1.4rem;padding:0;list-style:none;display:flex;flex-direction:column;gap:.95rem;
}
.feature__points li{display:flex;gap:.85rem;color:var(--ink-2);line-height:1.55;font-size:.97rem}
.feature__points .check{
  flex:0 0 auto;width:22px;height:22px;border-radius:50%;
  background:var(--green-100);color:var(--green-600);display:grid;place-items:center;margin-top:2px;
}
.feature__points .check svg{width:12px;height:12px;stroke-width:2.5}
.feature__points strong{color:var(--ink);font-weight:600}

.breakdown{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:1.65rem;box-shadow:var(--shadow-md);
}
@media (min-width:520px){.breakdown{padding:1.85rem}}
.breakdown__head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:1.15rem;gap:1rem}
.breakdown__head h4{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle)}
.breakdown__head .val{font-family:var(--serif);font-size:2rem;font-weight:600;letter-spacing:-.025em}
.breakdown__rows{display:grid;gap:.8rem}
.brow{display:grid;grid-template-columns:auto 1fr auto;gap:.8rem;align-items:center}
.brow__name{color:var(--ink-2);font-weight:500;font-size:.94rem}
.brow__name small{display:block;color:var(--muted);font-size:.77rem;font-weight:400;margin-top:.05rem}
.brow__track{position:relative;height:6px;background:var(--surface-2);border-radius:999px;overflow:hidden}
.brow__fill{position:absolute;inset:0 auto 0 0;border-radius:999px;background:var(--blue-600);transition:width 1s cubic-bezier(.2,.8,.2,1)}
.brow:nth-child(2) .brow__fill{background:var(--blue-500)}
.brow:nth-child(3) .brow__fill{background:#7AA9EB}
.brow:nth-child(4) .brow__fill{background:#B6CDF0}
.brow:nth-child(5) .brow__fill{background:var(--green-500)}
.brow:nth-child(6) .brow__fill{background:var(--green-600)}
.brow__amt{font-variant-numeric:tabular-nums;font-weight:600;min-width:64px;text-align:right;font-size:.95rem}

/* ============================================================
   RENT vs BUY (homepage cards)
   ============================================================ */
.versus{
  display:grid;gap:0;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;
  background:var(--surface);
  grid-template-columns:1fr;
}
@media (min-width:820px){.versus{grid-template-columns:1fr 1px 1fr}}
.versus__divider{display:none;background:var(--border)}
@media (min-width:820px){.versus__divider{display:block}}
.vside{padding:1.85rem}
@media (min-width:520px){.vside{padding:2.15rem}}
.vside--rent{border-bottom:1px solid var(--border)}
@media (min-width:820px){.vside--rent{border-bottom:0}}
.vside__tag{
  display:inline-flex;align-items:center;gap:.4rem;padding:.32rem .65rem;border-radius:999px;
  font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:.85rem;
}
.vside--rent .vside__tag{background:var(--blue-50);color:var(--blue-700)}
.vside--buy  .vside__tag{background:var(--green-100);color:var(--green-600)}
.vside h3{font-size:1.4rem;margin-bottom:.2rem}
.vside__amt{font-family:var(--serif);font-size:2.5rem;font-weight:600;letter-spacing:-.035em;margin:.3rem 0 .2rem;line-height:1}
.vside__per{color:var(--muted);font-size:.88rem;margin-bottom:1.15rem}
.vside__list{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}
.vside__list li{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px dashed var(--border);font-size:.91rem;color:var(--muted)}
.vside__list li:last-child{border-bottom:0}
.vside__list li span:last-child{color:var(--ink);font-weight:600;font-variant-numeric:tabular-nums}
.vside__verdict{
  margin-top:1rem;padding-top:1rem;border-top:1px solid var(--border);
  font-size:.87rem;color:var(--muted);line-height:1.55;
}
.vside__verdict strong{color:var(--ink);font-weight:600}

/* ============================================================
   CALCULATOR (shared form/output layout)
   ============================================================ */
.trust-line{
  display:flex;gap:.7rem;align-items:flex-start;
  margin:0 0 1rem;padding:.7rem .95rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-left:3px solid var(--blue-700);
  border-radius:8px;
  font-size:.83rem;line-height:1.55;color:var(--ink-2);
}
.trust-line__dot{
  flex-shrink:0;width:.55rem;height:.55rem;border-radius:50%;
  background:var(--green-500);
  margin-top:.4rem;
  box-shadow:0 0 0 3px rgba(78,182,60,.2);
}
.trust-line strong{color:var(--ink);font-weight:600}
.trust-line a{color:var(--blue-700);text-decoration:underline;text-decoration-color:rgba(28,109,217,.3);text-underline-offset:2px}
.trust-line a:hover{text-decoration-color:var(--blue-700)}

.calc__math__cta{
  margin-top:.75rem !important;
  padding-top:.7rem;
  border-top:1px solid var(--border);
  font-size:.85rem;
  display:flex;justify-content:space-between;align-items:center;
  gap:.6rem 1rem;flex-wrap:wrap;
}
.calc__math__cta a{color:var(--blue-700);font-weight:500;text-decoration:none}
.calc__math__cta a:hover{text-decoration:underline}
.calc__math__reviewed{
  font-size:.78rem;color:var(--subtle);font-weight:500;
  font-variant-numeric:tabular-nums;
  display:inline-flex;align-items:center;gap:.4rem;
}
.calc__math__reviewed::before{
  content:"";width:6px;height:6px;border-radius:50%;
  background:var(--green-500);flex-shrink:0;
  box-shadow:0 0 0 3px rgba(78,182,60,.15);
}

.calc{
  display:grid;gap:0;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;
  background:var(--surface);box-shadow:var(--shadow-md);
  grid-template-columns:1fr;
}
@media (min-width:980px){.calc{grid-template-columns:1.05fr 1fr}}
.calc__form{padding:1.85rem;border-right:1px solid var(--border)}
@media (min-width:520px){.calc__form{padding:2.15rem}}
@media (max-width:979px){.calc__form{border-right:0;border-bottom:1px solid var(--border)}}
.calc__form h3{font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--subtle);margin-bottom:1.15rem}

.field{margin-bottom:1.05rem}
.field:last-child{margin-bottom:0}
.field__label{
  display:flex;justify-content:space-between;align-items:center;margin-bottom:.4rem;
  font-size:.88rem;font-weight:600;color:var(--ink-2);
}
.field__value{color:var(--blue-700);font-variant-numeric:tabular-nums;font-weight:600}
.field__hint{font-size:.76rem;color:var(--subtle);font-weight:500}

.field__input{
  display:grid;grid-template-columns:auto 1fr;align-items:center;
  border:1px solid var(--border);border-radius:11px;background:var(--bg);
  transition:border-color .15s ease,box-shadow .15s ease;overflow:hidden;
}
.field__input:focus-within{border-color:var(--blue-600);box-shadow:0 0 0 4px rgba(28,109,217,.12)}
.field__input .prefix,.field__input .suffix{padding:0 .75rem;color:var(--muted);font-weight:600;font-size:.92rem}
.field__input input,.field__input select{
  width:100%;border:0;background:transparent;padding:.78rem .25rem;outline:0;
  font-size:.98rem;font-variant-numeric:tabular-nums;
}
.field__input.has-suffix{grid-template-columns:1fr auto}
.field__input.full{grid-template-columns:1fr}
.field__input.full input{padding:.78rem .9rem}

.field__range{
  -webkit-appearance:none;appearance:none;width:100%;height:4px;background:var(--surface-2);
  border-radius:999px;margin-top:.7rem;outline:none;
}
.field__range::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;
  background:var(--blue-600);border:3px solid #fff;box-shadow:0 2px 8px rgba(28,109,217,.35);cursor:pointer;
  transition:transform .15s ease;
}
.field__range::-webkit-slider-thumb:hover{transform:scale(1.1)}
.field__range::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;background:var(--blue-600);border:3px solid #fff;
  box-shadow:0 2px 8px rgba(28,109,217,.35);cursor:pointer;
}

.field__grid{display:grid;grid-template-columns:1fr;gap:.85rem}
@media (min-width:560px){.field__grid{grid-template-columns:1fr 1fr}}
.field__grid--3{grid-template-columns:repeat(3,1fr)}

.calc__out{padding:1.85rem;background:linear-gradient(180deg,var(--surface) 0%, var(--bg) 100%)}
@media (min-width:520px){.calc__out{padding:2.15rem}}
.calc__out h3{font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--subtle);margin-bottom:.9rem}
.calc__total{
  font-family:var(--serif);font-size:clamp(2.3rem,1.5vw + 1.6rem,3.2rem);font-weight:600;
  letter-spacing:-.035em;line-height:1;color:var(--ink);
}
.calc__total small{display:block;font-family:var(--sans);font-weight:500;font-size:.85rem;color:var(--muted);margin-top:.4rem;letter-spacing:0;line-height:1.4}
.calc__summary{
  margin:1.15rem 0;padding:.95rem 1rem;border-radius:11px;background:var(--surface-2);
  font-size:.88rem;color:var(--ink-2);line-height:1.55;
}
.calc__summary strong{color:var(--blue-700)}
.calc__bar{display:flex;height:12px;border-radius:999px;overflow:hidden;background:var(--surface-2);margin-bottom:.85rem}
.calc__bar > span{transition:flex .6s cubic-bezier(.2,.8,.2,1)}
.calc__rows{display:grid;gap:.4rem}
.calc__row{
  display:grid;grid-template-columns:12px 1fr auto;align-items:center;gap:.7rem;
  padding:.55rem 0;border-bottom:1px dashed var(--border);font-size:.91rem;
}
.calc__row:last-child{border-bottom:0}
.calc__row .sw{width:10px;height:10px;border-radius:3px}
.calc__row .nm{color:var(--ink-2)}
.calc__row .am{font-variant-numeric:tabular-nums;font-weight:600;color:var(--ink)}

.calc__math{margin-top:1.1rem;border-top:1px solid var(--border);padding-top:.85rem}
.calc__math summary{
  list-style:none;cursor:pointer;font-size:.83rem;font-weight:600;color:var(--muted);
  display:inline-flex;align-items:center;gap:.4rem;
}
.calc__math summary::-webkit-details-marker{display:none}
.calc__math summary::after{content:"+";font-weight:700;color:var(--blue-700);font-size:1rem;line-height:0}
.calc__math[open] summary::after{content:"−"}
.calc__math summary:hover{color:var(--ink)}
.calc__math__body{margin-top:.65rem;padding:.85rem 1rem;background:var(--bg);border:1px solid var(--border);border-radius:10px;font-size:.82rem;color:var(--muted);line-height:1.55}
.calc__math__body code{font-family:ui-monospace,Menlo,monospace;background:var(--surface-2);padding:.05rem .35rem;border-radius:4px;color:var(--ink-2);font-size:.78rem}

/* ============================================================
   VERDICT block (used on rent-vs-buy, fha-vs-conv)
   ============================================================ */
.verdict{
  margin-top:1rem;padding:1.15rem 1.2rem;border-radius:14px;
  background:linear-gradient(180deg, var(--green-100), rgba(231,247,227,.4));
  border:1px solid rgba(78,182,60,.3);
}
.verdict.is-buy{background:linear-gradient(180deg, var(--green-100), rgba(231,247,227,.4));border-color:rgba(78,182,60,.3)}
.verdict.is-rent{background:linear-gradient(180deg, var(--blue-50), rgba(238,245,255,.4));border-color:rgba(28,109,217,.25)}
.verdict.is-neutral{background:var(--surface-2);border-color:var(--border)}
.verdict__label{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle);margin-bottom:.35rem}
.verdict__head{font-family:var(--serif);font-size:1.3rem;font-weight:600;letter-spacing:-.015em;color:var(--ink);line-height:1.25}
.verdict__sub{margin-top:.4rem;font-size:.88rem;color:var(--muted);line-height:1.55}

/* ============================================================
   COMFORT BAND (affordability)
   ============================================================ */
.band{
  display:grid;gap:.85rem;grid-template-columns:1fr;
}
@media (min-width:720px){.band{grid-template-columns:repeat(3,1fr)}}
.band__tier{
  background:var(--surface);border:1px solid var(--border);border-radius:14px;
  padding:1.15rem 1.2rem;display:flex;flex-direction:column;gap:.4rem;
}
.band__tier--mid{border-color:var(--blue-200);box-shadow:var(--shadow-md);background:#fff}
.band__label{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle)}
.band__tier--mid .band__label{color:var(--blue-700)}
.band__amt{font-family:var(--serif);font-size:2rem;font-weight:600;letter-spacing:-.025em;line-height:1.05;color:var(--ink)}
.band__note{font-size:.83rem;color:var(--muted);line-height:1.55}
.band__dti{margin-top:.4rem;font-size:.78rem;color:var(--subtle);font-weight:600;letter-spacing:.05em}

.risk{
  margin-top:1.5rem;padding:1.4rem 1.3rem;border-radius:14px;
  background:var(--surface);border:1px solid var(--border);
}
.risk__head{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1rem;flex-wrap:wrap}
.risk__title{font-family:var(--serif);font-size:1.2rem;font-weight:600;letter-spacing:-.015em}
.risk__score{font-family:var(--serif);font-size:2rem;font-weight:600;letter-spacing:-.03em}
.risk__score small{font-size:.95rem;color:var(--subtle);font-weight:500;font-family:var(--sans);margin-left:.15rem}
.risk__bar{height:10px;border-radius:999px;background:var(--surface-2);overflow:hidden;position:relative;margin-bottom:1.15rem}
.risk__fill{position:absolute;inset:0 auto 0 0;border-radius:999px;background:linear-gradient(90deg,var(--green-500),#E5C04C 60%,#D9534F);transition:width .8s ease}
.risk__factors{display:grid;gap:.55rem}
.rfactor{display:grid;grid-template-columns:auto 1fr auto;gap:.7rem;align-items:center;font-size:.88rem}
.rfactor__name{color:var(--ink-2);font-weight:500}
.rfactor__bar{position:relative;height:5px;background:var(--surface-2);border-radius:999px;overflow:hidden;min-width:60px}
.rfactor__fill{position:absolute;inset:0 auto 0 0;border-radius:999px;background:var(--blue-500);transition:width .6s ease}
.rfactor__fill.is-warn{background:#E5C04C}
.rfactor__fill.is-bad{background:#D9534F}
.rfactor__val{font-size:.78rem;color:var(--muted);font-weight:600;font-variant-numeric:tabular-nums}

/* ============================================================
   CHART (rent-vs-buy crossover)
   ============================================================ */
.chart{
  background:var(--surface);border:1px solid var(--border);border-radius:14px;
  padding:1.4rem 1.2rem 1rem;margin-top:1.15rem;
}
.chart__head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.6rem;flex-wrap:wrap;gap:.5rem}
.chart__title{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle)}
.chart__legend{display:flex;gap:1rem;font-size:.78rem;color:var(--muted)}
.chart__legend span{display:inline-flex;align-items:center;gap:.4rem}
.chart__legend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.chart svg{width:100%;height:auto;display:block}

/* ============================================================
   HIDDEN COSTS
   ============================================================ */
.hgrid{display:grid;gap:.95rem;grid-template-columns:1fr}
@media (min-width:640px){.hgrid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.hgrid{grid-template-columns:repeat(3,1fr)}}
.hcard{
  padding:1.4rem;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius);display:flex;flex-direction:column;gap:.5rem;
  transition:border-color .25s ease;
}
.hcard:hover{border-color:var(--border-2)}
.hcard__top{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.hcard__amt{
  font-family:var(--serif);font-size:1.5rem;font-weight:600;letter-spacing:-.02em;color:var(--blue-700);
  font-variant-numeric:tabular-nums;line-height:1.1;
}
.hcard__tag{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--subtle)}
.hcard h4{font-size:1.02rem;margin-top:.15rem}
.hcard p{color:var(--muted);font-size:.88rem;line-height:1.5}

/* ============================================================
   AI SECTION
   ============================================================ */
.ai{
  background:var(--ink);color:#E7E9F0;border-radius:var(--radius-xl);overflow:hidden;
  display:grid;grid-template-columns:1fr;
  position:relative;
}
.ai::before{
  content:"";position:absolute;inset:-30% -10% auto auto;width:520px;height:520px;
  background:radial-gradient(closest-side, rgba(78,182,60,.14), transparent 70%);pointer-events:none;
}
@media (min-width:980px){.ai{grid-template-columns:1fr 1fr}}
@media (min-width:520px){.ai__copy{padding:3rem}}
@media (min-width:520px){.ai__demo{padding:3rem}}
@keyframes blink{0%,80%,100%{opacity:.4;transform:translateY(0)}40%{opacity:1;transform:translateY(-2px)}}

/* ============================================================
   FINANCING PILLAR (homepage)
   ============================================================ */
.finrow{display:grid;gap:.9rem;grid-template-columns:repeat(2,1fr)}
@media (min-width:640px){.finrow{grid-template-columns:repeat(3,1fr)}}
@media (min-width:980px){.finrow{grid-template-columns:repeat(6,1fr)}}
.fintile{
  padding:1rem .9rem;background:var(--surface);border:1px solid var(--border);border-radius:12px;
  display:flex;flex-direction:column;gap:.35rem;
  transition:border-color .25s ease, transform .25s ease;
}
.fintile:hover{border-color:var(--blue-200);transform:translateY(-1px)}
.fintile__name{font-family:var(--serif);font-size:1.08rem;font-weight:600;letter-spacing:-.01em;color:var(--ink)}
.fintile__sub{font-size:.78rem;color:var(--muted);line-height:1.4}
.fintile__tag{
  margin-top:.3rem;font-size:.66rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--subtle);
  display:inline-flex;align-items:center;gap:.3rem;
}
.fintile__tag::before{content:"";width:5px;height:5px;border-radius:50%;background:var(--subtle);opacity:.5}

.fincallout{
  margin-top:1.5rem;padding:1.4rem 1.5rem;background:var(--surface);border:1px solid var(--border);border-radius:14px;
  display:grid;gap:1rem;align-items:center;grid-template-columns:1fr;
}
@media (min-width:780px){.fincallout{grid-template-columns:1fr auto}}
.fincallout p{color:var(--muted);line-height:1.55}
.fincallout strong{color:var(--ink);font-weight:600}

/* ============================================================
   LOCAL / ZIP INTELLIGENCE (homepage)
   ============================================================ */
@media (min-width:980px){.local{grid-template-columns:1fr 1.05fr;gap:4rem}}

@media (min-width:520px){.zipcard{padding:1.95rem}}
.zipstat__lbl{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--subtle)}
.zipstat__val{font-family:var(--serif);font-size:1.25rem;font-weight:600;letter-spacing:-.015em;margin-top:.15rem}
.zipstat__val small{font-family:var(--sans);font-size:.7rem;color:var(--muted);font-weight:500;letter-spacing:0;margin-left:.25rem}

/* ============================================================
   WHY DIFFERENT
   ============================================================ */
.why{display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:720px){.why{grid-template-columns:repeat(2,1fr)}}
.wcard{
  padding:1.65rem;border:1px solid var(--border);border-radius:var(--radius-lg);
  background:var(--surface);display:flex;gap:1.05rem;align-items:flex-start;
  transition:border-color .25s ease;
}
.wcard:hover{border-color:var(--border-2)}
.wcard__num{
  flex:0 0 auto;width:42px;height:42px;border-radius:11px;
  display:grid;place-items:center;background:var(--ink);color:#fff;
  font-family:var(--serif);font-weight:600;font-size:1.05rem;
}
.wcard h3{font-size:1.15rem;margin-bottom:.45rem}
.wcard p{color:var(--muted);font-size:.95rem;line-height:1.55}

/* ============================================================
   TOOLS GRID
   ============================================================ */
.tools{display:grid;gap:.95rem;grid-template-columns:1fr}
@media (min-width:640px){.tools{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.tools{grid-template-columns:repeat(3,1fr);grid-auto-rows:minmax(170px,auto)}}
.tool{
  position:relative;padding:1.3rem;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius);display:flex;flex-direction:column;justify-content:space-between;gap:.95rem;
  transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  min-height:170px;color:var(--ink);
}
a.tool:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--blue-200);color:var(--ink)}
.tool__head{display:flex;gap:.85rem;align-items:flex-start}
.tool__ic{
  flex:0 0 auto;width:36px;height:36px;border-radius:10px;background:var(--blue-50);color:var(--blue-700);
  display:grid;place-items:center;
}
.tool__ic svg{width:19px;height:19px}
.tool h4{font-size:.98rem;margin-bottom:.2rem;line-height:1.3}
.tool p{color:var(--muted);font-size:.85rem;line-height:1.5}
.tool__foot{
  display:flex;align-items:center;justify-content:space-between;font-size:.8rem;
  color:var(--muted);
}
.tool__status{display:inline-flex;align-items:center;gap:.35rem;font-weight:600;letter-spacing:.04em}
.tool__status.is-live{color:var(--green-600)}
.tool__status.is-live::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green-500);box-shadow:0 0 0 3px rgba(78,182,60,.2)}
.tool__status.is-soon{color:var(--subtle)}
.tool__status.is-soon::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--subtle);opacity:.5}
.tool__go{font-weight:600;color:var(--ink)}
.tool__go::after{content:"→";margin-left:4px;transition:transform .2s ease}
a.tool:hover .tool__go::after{transform:translateX(3px)}
.tool--soon{cursor:default;background:var(--surface)}
.tool--soon .tool__ic{background:var(--surface-2);color:var(--subtle)}
.tool--soon .tool__go{display:none}
.tools__more{
  margin-top:1.6rem;text-align:center;
  font-size:.92rem;color:var(--muted);line-height:1.6;
  max-width:48rem;margin-left:auto;margin-right:auto;
}
.tools__more a{color:var(--ink-2);text-decoration:underline;text-decoration-color:rgba(28,109,217,.25);text-underline-offset:2px}
.tools__more a:hover{color:var(--blue-700);text-decoration-color:currentColor}
.tools__more a strong{color:var(--blue-700);font-weight:600}

/* ============================================================
   TRUST CARDS
   ============================================================ */
.trust{display:grid;gap:1.05rem;grid-template-columns:1fr}
@media (min-width:820px){.trust{grid-template-columns:repeat(2,1fr)}}
.tcard{
  padding:1.65rem;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);
  display:flex;gap:1.05rem;
  transition:border-color .25s ease;
}
.tcard:hover{border-color:var(--border-2)}
.tcard__ic{
  flex:0 0 auto;width:42px;height:42px;border-radius:11px;background:var(--surface-2);color:var(--ink);
  display:grid;place-items:center;
}
.tcard__ic svg{width:21px;height:21px}
.tcard h3{font-size:1.1rem;margin-bottom:.45rem}
.tcard p{color:var(--muted);font-size:.92rem;line-height:1.55}

/* ============================================================
   INSIGHTS
   ============================================================ */
.insights{display:grid;gap:1.05rem;grid-template-columns:1fr}
@media (min-width:720px){.insights{grid-template-columns:repeat(3,1fr)}}
.icard{
  display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);overflow:hidden;
  transition:border-color .25s ease;
}
.icard:hover{border-color:var(--border-2)}
.icard__img{
  aspect-ratio:16/9;position:relative;overflow:hidden;
  background:linear-gradient(135deg, var(--blue-50), var(--green-100));
}
.icard:nth-child(2) .icard__img{background:linear-gradient(135deg,#FFF3E0,#FEE1C2)}
.icard:nth-child(3) .icard__img{background:linear-gradient(135deg,#E7F7E3,var(--blue-50))}
.icard__deco{
  position:absolute;inset:0;display:grid;place-items:center;color:var(--ink);opacity:.85;
  font-family:var(--serif);font-size:4.5rem;font-weight:600;letter-spacing:-.04em;
}
.icard__body{padding:1.3rem;flex:1;display:flex;flex-direction:column;gap:.55rem}
.icard__meta{font-size:.72rem;color:var(--subtle);font-weight:700;letter-spacing:.14em;text-transform:uppercase}
.icard h3{font-size:1.1rem;line-height:1.3}
.icard p{color:var(--muted);font-size:.88rem;line-height:1.55;flex:1}
.icard__soon{
  margin-top:.5rem;display:inline-flex;align-items:center;gap:.45rem;
  font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle);
}
.icard__soon::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--subtle);opacity:.5}

/* ============================================================
   RELATED CARDS (calculator pages)
   ============================================================ */
.related{display:grid;gap:.95rem;grid-template-columns:1fr}
@media (min-width:640px){.related{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.related{grid-template-columns:repeat(3,1fr)}}
.rcard{
  padding:1.3rem;background:var(--surface);border:1px solid var(--border);border-radius:14px;
  display:flex;flex-direction:column;gap:.45rem;
  transition:border-color .25s ease, transform .25s ease;color:var(--ink);
}
a.rcard:hover{border-color:var(--blue-200);transform:translateY(-1px);color:var(--ink)}
.rcard__tag{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--subtle)}
.rcard h4{font-family:var(--serif);font-size:1.1rem;font-weight:600;letter-spacing:-.015em;line-height:1.3}
.rcard p{color:var(--muted);font-size:.88rem;line-height:1.5}
.rcard__go{margin-top:auto;padding-top:.6rem;font-size:.83rem;font-weight:600;color:var(--ink)}
.rcard__go::after{content:"→";margin-left:4px;transition:transform .2s ease}
a.rcard:hover .rcard__go::after{transform:translateX(3px)}

/* ============================================================
   PROSE (companion content on calculator pages)
   ============================================================ */
.prose{max-width:780px;margin:0 auto}
.prose--wide{max-width:920px}
.prose h2{font-size:clamp(1.55rem,1.5vw + 1rem,2.1rem);margin-bottom:.6rem;letter-spacing:-.02em}
.prose h3{font-size:1.2rem;margin:1.6rem 0 .55rem;letter-spacing:-.015em}
.prose p{color:var(--ink-2);font-size:1rem;line-height:1.7;margin:.85rem 0}
.prose p+p{margin-top:.85rem}
.prose ul,.prose ol{padding-left:1.3rem;margin:.85rem 0;color:var(--ink-2)}
.prose li{margin:.4rem 0;line-height:1.6}
.prose strong{color:var(--ink);font-weight:600}
.prose em{color:var(--ink);font-style:italic}
.prose .lede{font-size:1.1rem;color:var(--ink-2);line-height:1.6;margin-bottom:1.5rem}
.prose .callout{
  margin:1.5rem 0;padding:1.15rem 1.3rem;border-left:3px solid var(--blue-600);
  background:var(--surface);border-radius:0 12px 12px 0;color:var(--ink-2);
}
.prose .callout strong{color:var(--ink)}

/* ============================================================
   TWO-COLUMN compare (when X wins / when Y wins)
   ============================================================ */
.compare2{display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:820px){.compare2{grid-template-columns:repeat(2,1fr)}}
.cc{
  padding:1.4rem;background:var(--surface);border:1px solid var(--border);border-radius:14px;
  display:flex;flex-direction:column;gap:.55rem;
}
.cc__head{display:flex;align-items:center;gap:.55rem;font-family:var(--serif);font-size:1.1rem;font-weight:600;letter-spacing:-.015em}
.cc__dot{width:10px;height:10px;border-radius:50%}
.cc__dot--a{background:var(--blue-600)}
.cc__dot--b{background:var(--green-500)}
.cc ul{padding-left:1.2rem;margin:.4rem 0 0;color:var(--ink-2)}
.cc li{margin:.3rem 0;font-size:.92rem;line-height:1.55}

/* ============================================================
   FAQ
   ============================================================ */
.faq{max-width:780px;margin:0 auto;border-top:1px solid var(--border)}
.faq details{border-bottom:1px solid var(--border)}
.faq summary{
  list-style:none;cursor:pointer;padding:1.25rem 0;
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
  font-family:var(--serif);font-size:1.1rem;font-weight:600;color:var(--ink);
  transition:color .2s ease;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--blue-700)}
.faq summary::after{
  content:"";flex:0 0 auto;width:26px;height:26px;border-radius:50%;
  background:var(--surface-2);
  background-image:
    linear-gradient(var(--ink),var(--ink)),
    linear-gradient(var(--ink),var(--ink));
  background-size:11px 1.5px, 1.5px 11px;background-position:center;background-repeat:no-repeat;
  transition:transform .25s ease, background-color .25s ease;
}
.faq details[open] summary::after{transform:rotate(45deg);background-color:var(--blue-50)}
.faq__a{padding:0 0 1.3rem;color:var(--muted);font-size:.97rem;line-height:1.65;max-width:95%}

/* ============================================================
   CTA BAND
   ============================================================ */
.ctaband{
  position:relative;padding:clamp(3rem,4.5vw,4.5rem) 1.5rem;
  border-radius:var(--radius-xl);background:var(--ink);color:#fff;overflow:hidden;
  text-align:center;
}
@media (min-width:520px){.ctaband{padding:clamp(3.5rem,5vw,5rem) 2rem}}
.ctaband::before{
  content:"";position:absolute;inset:-20% -10% auto auto;width:560px;height:560px;
  background:radial-gradient(closest-side, rgba(28,109,217,.25), transparent 70%);
}
.ctaband::after{
  content:"";position:absolute;inset:auto auto -20% -10%;width:480px;height:480px;
  background:radial-gradient(closest-side, rgba(78,182,60,.16), transparent 70%);
}
.ctaband > *{position:relative;z-index:1}
.ctaband h2{color:#fff;max-width:680px;margin:0 auto}
.ctaband p{color:#B5BDCC;max-width:520px;margin:.95rem auto 1.85rem;line-height:1.6}
.ctaband .btn{--_bg:#fff;--_fg:var(--ink);--_bd:#fff}
.ctaband .btn--ghost{--_bg:transparent;--_fg:#fff;--_bd:rgba(255,255,255,.22)}
.ctaband .btn--ghost:hover{--_bg:rgba(255,255,255,.08)}

/* AI section — dark background context.
   .btn--primary already renders correctly (blue/white).
   Override .btn--ghost so it stays in the brand blue/white family
   instead of inheriting the light-context ink-on-cream style. */
.ai .btn--ghost{
  --_bg:transparent;
  --_fg:#9ABEEC;        /* brand blue, lightened for dark-bg legibility */
  --_bd:rgba(154,190,236,.45);
}
.ai .btn--ghost:hover{
  --_bg:var(--blue-600);
  --_fg:#fff;
  --_bd:var(--blue-600);
}
.ctaband__row{display:flex;flex-wrap:wrap;justify-content:center;gap:.65rem}

/* ============================================================
   FOOTER
   ============================================================ */
.footer{background:var(--surface);border-top:1px solid var(--border);padding:3.5rem 0 1.85rem}
.footer__grid{display:grid;gap:2.25rem;grid-template-columns:1fr;margin-bottom:2.5rem}
@media (min-width:780px){.footer__grid{grid-template-columns:1.6fr 1fr 1fr 1fr}}
.footer__brand .brand__logo{height:42px}
.footer__brand p{color:var(--muted);margin-top:1.1rem;line-height:1.6;font-size:.93rem;max-width:26rem}
.footer h4{font-family:var(--sans);font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--subtle);margin-bottom:.95rem}
.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.6rem}
.footer ul a{color:var(--ink-2);font-size:.93rem}
.footer ul a:hover{color:var(--blue-700)}
.footer__bottom{
  display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between;
  padding-top:1.85rem;border-top:1px solid var(--border);color:var(--muted);font-size:.82rem;
}
.footer__legal{display:flex;flex-wrap:wrap;gap:.3rem 1.15rem}
.footer__legal a{color:var(--muted)}
.footer__legal a:hover{color:var(--ink)}
.footer__disclaimer{
  margin-top:1.15rem;padding:.95rem 1rem;background:var(--surface-2);border-radius:10px;
  font-size:.8rem;color:var(--muted);line-height:1.55;
}
.footer__disclaimer strong{color:var(--ink)}

/* ============================================================
   SCROLL REVEAL + MOTION
   ============================================================ */
.reveal{opacity:0;transform:translateY(12px);transition:opacity .7s ease, transform .7s ease}
.reveal.is-in{opacity:1;transform:translateY(0)}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
  .reveal{opacity:1;transform:none}
}

/* ============================================================
   PHASE 2 — ADDITIONAL COMPONENTS FOR EXPANDED PLATFORM
   ============================================================ */

/* Article hero — used on article/guide pages */
.ahero{padding:2.4rem 0 1.4rem;border-bottom:1px solid var(--border)}
.ahero__inner{max-width:760px;margin:0 auto}
.ahero__kicker{font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--blue-700)}
.ahero h1{font-family:var(--serif);font-size:clamp(1.85rem,4vw,2.85rem);font-weight:600;line-height:1.1;letter-spacing:-.025em;color:var(--ink);margin-top:.65rem}
.ahero__lede{margin-top:.95rem;font-size:1.08rem;line-height:1.6;color:var(--muted)}
.ahero__meta{margin-top:1.1rem;display:flex;flex-wrap:wrap;gap:.6rem 1.1rem;font-size:.8rem;color:var(--subtle);align-items:center}
.ahero__meta .dot{width:3px;height:3px;border-radius:50%;background:var(--subtle);display:inline-block;margin-right:.55rem;vertical-align:middle}

/* Article body — long-form prose container */
.article{padding:2.2rem 0 1.4rem}
.article__inner{max-width:760px;margin:0 auto}
.article__inner > p,
.article__inner > h2,
.article__inner > h3,
.article__inner > h4,
.article__inner > ul,
.article__inner > ol,
.article__inner > .callout,
.article__inner > .pullquote,
.article__inner > figure,
.article__inner > .compare2,
.article__inner > details{margin-bottom:1.05rem}
.article__inner h2{font-family:var(--serif);font-size:1.65rem;font-weight:600;letter-spacing:-.02em;color:var(--ink);margin-top:2rem;line-height:1.2}
.article__inner h3{font-family:var(--serif);font-size:1.25rem;font-weight:600;color:var(--ink);margin-top:1.6rem}
.article__inner p{font-size:1rem;line-height:1.7;color:var(--ink-2)}
.article__inner ul,.article__inner ol{padding-left:1.4rem;color:var(--ink-2)}
.article__inner li{margin:.45rem 0;font-size:1rem;line-height:1.65}
.article__inner a:not(.btn){color:var(--blue-700);text-decoration:underline;text-decoration-color:rgba(28,109,217,.3);text-underline-offset:3px}
.article__inner a:not(.btn):hover{text-decoration-color:var(--blue-700)}
.article__inner strong{color:var(--ink);font-weight:600}
.article__inner > .related-inline{
  margin:2rem 0 .25rem;
  padding:.85rem 1.05rem;
  background:var(--surface-2);
  border-left:3px solid var(--blue-700);
  border-radius:6px;
  font-size:.94rem;
  line-height:1.6;
  color:var(--ink-2);
}
.article__inner > .related-inline strong{color:var(--ink);margin-right:.4rem}

/* ============================================================
   RISK LENS callout — appears between calculator forms and
   explainer prose on True Monthly Cost, Affordability, Buy vs.
   Invest. Earth-tone accent (matching property-type SF chip
   color #7B5300) — caution without alarm.
   ============================================================ */
.risk-lens{
  max-width:48rem;margin:0 auto;
  padding:1.05rem 1.2rem;
  background:rgba(155,107,30,.06);
  border:1px solid rgba(155,107,30,.18);
  border-left:3px solid #B07F2C;
  border-radius:6px;
  font-size:.93rem;line-height:1.6;color:var(--ink-2);
}
.risk-lens__tag{
  display:inline-block;
  font-family:var(--sans);font-size:.62rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:#7B5300;
  padding:3px 9px;background:rgba(155,107,30,.12);
  border-radius:99px;
  margin-bottom:.55rem;
}
.risk-lens p{margin:0}
.risk-lens a{color:var(--blue-700);text-decoration:underline;text-decoration-color:rgba(28,109,217,.3);text-underline-offset:2px}
.risk-lens a:hover{color:var(--blue-600);text-decoration-color:currentColor}

/* ============================================================
   CHECKLIST callout — used for the 10-question realtor interview
   list and (Session 3) the 8-question lender comparison list.
   Visually distinct from regular ordered lists in article prose:
   bigger numbers, more spacing, scannable structure, designed to
   feel printable / saveable.
   ============================================================ */
.checklist{
  margin:1.4rem 0;padding:1.4rem 1.5rem 1.2rem;
  background:var(--surface-2);border:1px solid var(--border);
  border-left:4px solid var(--blue-600);
  border-radius:0 10px 10px 0;
}
.checklist__list{
  list-style:none;counter-reset:cklist;
  margin:0;padding:0;
}
.checklist__list > li{
  counter-increment:cklist;
  position:relative;
  padding:.55rem 0 .55rem 2.65rem;
  font-size:.94rem;line-height:1.6;color:var(--ink-2);
  border-bottom:1px solid var(--border);
}
.checklist__list > li:last-child{border-bottom:none}
.checklist__list > li::before{
  content:counter(cklist, decimal-leading-zero);
  position:absolute;left:0;top:.55rem;
  font-family:var(--serif);font-size:.95rem;font-weight:600;
  color:var(--blue-700);
  font-variant-numeric:tabular-nums;letter-spacing:-.005em;
  background:#fff;border:1px solid var(--blue-200);
  width:2rem;height:1.7rem;
  display:flex;align-items:center;justify-content:center;
  border-radius:6px;
}
.checklist__list > li strong{color:var(--ink);font-weight:600}
.pullquote{
  margin:1.6rem 0;padding:1.2rem 1.4rem;
  border-left:3px solid var(--green-500);background:var(--surface-2);
  border-radius:0 12px 12px 0;
  font-family:var(--serif);font-size:1.1rem;line-height:1.5;color:var(--ink);font-style:italic;
}

/* TOC for long articles */
.toc{
  margin:1.5rem 0 1.8rem;padding:1.05rem 1.2rem;
  background:var(--surface-2);border:1px solid var(--border);border-radius:12px;
}
.toc__lbl{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle);margin-bottom:.55rem}
.toc ol{margin:0;padding-left:1.3rem;color:var(--ink-2)}
.toc li{margin:.3rem 0;font-size:.92rem}
.toc a{color:var(--ink-2);text-decoration:none}
.toc a:hover{color:var(--blue-700)}

/* Hub page tool grid — simpler than homepage */
.hubgrid{
  display:grid;gap:1rem;grid-template-columns:1fr;margin-top:1.4rem;
}
@media (min-width:680px){.hubgrid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.hubgrid{grid-template-columns:repeat(3,1fr)}}
.hubcard{
  background:#fff;border:1px solid var(--border);border-radius:14px;padding:1.3rem 1.35rem;
  display:flex;flex-direction:column;gap:.5rem;text-decoration:none;color:inherit;
  transition:border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.hubcard:hover{border-color:var(--blue-200);box-shadow:var(--shadow-md);transform:translateY(-1px)}
.hubcard__tag{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--subtle)}
.hubcard.is-tool .hubcard__tag{color:var(--blue-700)}
.hubcard.is-article .hubcard__tag{color:var(--green-700)}
.hubcard.is-soon .hubcard__tag{color:#9A6B00}
.hubcard.is-hub .hubcard__tag{color:var(--ink-2)}
.hubcard h3{font-family:var(--serif);font-size:1.12rem;font-weight:600;letter-spacing:-.012em;color:var(--ink);margin:.1rem 0 .15rem;line-height:1.3}
.hubcard p{font-size:.92rem;line-height:1.55;color:var(--muted);margin:0}
.hubcard__cta{margin-top:auto;padding-top:.6rem;font-size:.82rem;font-weight:600;color:var(--blue-700);display:inline-flex;align-items:center;gap:.35rem}
.hubcard__cta::after{content:"→";transition:transform .2s ease}

/* ============================================================
   SITUATION NAVIGATOR (homepage "Pick your situation" panel)
   v3 — proper semantic structure (no nested <a>):
     <article.sitcard>
       <span tag>
       <h3.sitcard__title><a.sitcard__link> [stretched click area]
       <p.sitcard__desc>
       <div.sitcard__row>
         <span.sitcard__primary>
         <a.sitcard__secondary> [separate, independent click target]
   ============================================================ */
.sitgrid{
  display:grid;gap:1.1rem;margin-top:1.6rem;
  grid-template-columns:1fr;
  align-items:stretch;
}
@media (min-width:680px){.sitgrid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1080px){.sitgrid{grid-template-columns:repeat(3,1fr)}}

.sitcard{
  position:relative;
  display:flex;flex-direction:column;height:100%;
  background:#fff;border:1px solid var(--border);border-radius:14px;
  padding:1.4rem 1.4rem 1.25rem;
  transition:border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.sitcard:hover{
  border-color:var(--blue-300);
  box-shadow:0 6px 20px -8px rgba(28,109,217,.16), var(--shadow-md);
  transform:translateY(-2px);
}
.sitcard__tag{
  display:inline-block;align-self:flex-start;
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue-700);
  padding:3px 9px;background:rgba(28,109,217,.08);
  border-radius:99px;
  margin-bottom:.95rem;
}
.sitcard__title{
  font-family:var(--serif);font-size:1.15rem;font-weight:600;
  letter-spacing:-.012em;line-height:1.3;
  margin:0 0 .55rem;
  /* equal-height title block: clamp 2 lines, enforce min-height */
  min-height:2.99em;
}
.sitcard__title a.sitcard__link{
  color:var(--ink);text-decoration:none;
  display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden;
}
/* stretched-link pattern: the title link covers the entire card area
   so anywhere you click the card fires the primary link, EXCEPT the
   secondary link below which has a higher z-index */
.sitcard__title a.sitcard__link::before{
  content:"";position:absolute;inset:0;
  border-radius:14px;
  z-index:1;
}
.sitcard__title a.sitcard__link:focus-visible{outline:none}
.sitcard__title a.sitcard__link:focus-visible::before{
  outline:2px solid var(--blue-600);outline-offset:2px;
}
.sitcard__desc{
  font-size:.92rem;line-height:1.55;color:var(--muted);
  margin:0 0 1.1rem;
  /* clamp at 4 lines + matching min-height for uniform footers */
  display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden;
  min-height:calc(.92rem * 1.55 * 4);
  flex:1 1 auto;
}
.sitcard__row{
  margin-top:auto;padding-top:.9rem;
  border-top:1px solid var(--border);
  display:flex;flex-direction:column;gap:.45rem;
}
.sitcard__primary{
  color:var(--blue-700);font-weight:600;font-size:.88rem;letter-spacing:-.005em;
}
.sitcard__secondary{
  position:relative;z-index:2;  /* above the stretched link */
  color:var(--muted);font-size:.82rem;
  text-decoration:underline;text-decoration-color:rgba(100,116,139,.3);
  text-underline-offset:2px;
  align-self:flex-start;
  transition:color .15s ease, text-decoration-color .15s ease;
}
.sitcard__secondary:hover{
  color:var(--ink);text-decoration-color:var(--ink);
}
.sitcard__secondary:focus-visible{
  outline:2px solid var(--blue-600);outline-offset:2px;border-radius:2px;
}

/* ============================================================
   "What standard calculators leave out" — homepage SEO content
   2×2 grid of substantive content blocks with index numbers
   ============================================================ */
.leftout{
  display:grid;gap:1.1rem;
  grid-template-columns:1fr;
  margin-top:.5rem;
}
@media (min-width:780px){.leftout{grid-template-columns:repeat(2,1fr);gap:1.4rem 1.6rem}}

.leftout__col{
  position:relative;padding:1.5rem 1.4rem 1.3rem;
  background:#fff;border:1px solid var(--border);border-radius:14px;
  display:flex;flex-direction:column;
}
.leftout__num{
  font-family:var(--serif);font-size:.95rem;font-weight:600;
  color:var(--blue-600);letter-spacing:.02em;
  margin-bottom:.4rem;
}
.leftout__col h3{
  font-family:var(--serif);font-size:1.18rem;font-weight:600;
  letter-spacing:-.012em;color:var(--ink);
  line-height:1.3;margin:0 0 .65rem;
}
.leftout__col p{
  font-size:.93rem;line-height:1.6;color:var(--muted);
  margin:0 0 .7rem;
}
.leftout__detail{
  font-size:.88rem !important;
  background:var(--surface-2);
  border-left:3px solid var(--green-500);
  padding:.6rem .85rem;
  border-radius:0 6px 6px 0;
  margin-bottom:.85rem !important;
  color:var(--ink-2) !important;
}
.leftout__detail strong{color:var(--ink);font-weight:600}
.leftout__cta{
  margin-top:auto;font-size:.88rem;
}
.leftout__cta a{
  color:var(--blue-700);font-weight:600;text-decoration:none;
  letter-spacing:-.005em;
}
.leftout__cta a:hover{color:var(--blue-600);text-decoration:underline;text-underline-offset:3px}

.leftout__bottom{
  margin-top:1.6rem;padding:1.1rem 1.3rem;
  background:var(--surface-2);border:1px solid var(--border);border-radius:12px;
  font-size:.95rem;line-height:1.6;color:var(--ink-2);
  text-align:center;
}
.leftout__bottom p{margin:0}
.leftout__bottom a{color:var(--blue-700);text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(28,109,217,.3)}
.leftout__bottom a:hover{text-decoration-color:currentColor}
.leftout__bottom strong{font-weight:600}

/* ============================================================
   DISCOVERY ROW (in-section "go deeper" footer link strip)
   ============================================================ */
.discoveryrow{
  margin-top:1.5rem;padding-top:1.1rem;
  border-top:1px solid var(--border);
  display:flex;flex-wrap:wrap;align-items:center;
  gap:.55rem 1.1rem;
  font-size:.9rem;
}
.discoveryrow__label{
  font-family:var(--sans);font-size:.7rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--subtle);
}
.discoveryrow a{
  color:var(--blue-700);font-weight:500;
  text-decoration:underline;text-decoration-color:rgba(28,109,217,.25);
  text-underline-offset:3px;
}
.discoveryrow a:hover{
  color:var(--blue-900,#093A82);
  text-decoration-color:var(--blue-700);
}
.hubcard:hover .hubcard__cta::after{transform:translateX(3px)}
.hubcard.is-soon .hubcard__cta{color:#9A6B00}

/* Coming-soon hero (AI pages) */
.soonhero{padding:2.4rem 0 1.4rem}
.soonhero__inner{max-width:780px;margin:0 auto}
.soonhero__pill{
  display:inline-flex;align-items:center;gap:.4rem;padding:.32rem .7rem;border-radius:999px;
  font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  background:linear-gradient(135deg,#FFF6E0,#FFEAB8);border:1px solid #F2D89A;color:#8A5A00;
}
.soonhero h1{font-family:var(--serif);font-size:clamp(2rem,4.5vw,3rem);font-weight:600;line-height:1.08;letter-spacing:-.025em;margin-top:.85rem;color:var(--ink)}
.soonhero__lede{margin-top:.95rem;font-size:1.1rem;line-height:1.6;color:var(--muted)}

/* Mock chat (AI pages) */
.mockchat{
  margin-top:1.6rem;background:#fff;border:1px solid var(--border);border-radius:16px;overflow:hidden;
  box-shadow:var(--shadow-md);
}
.mockchat__head{padding:.85rem 1.1rem;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:.55rem;background:var(--surface-2)}
.mockchat__dot{width:9px;height:9px;border-radius:50%;background:var(--green-500)}
.mockchat__title{font-size:.85rem;font-weight:600;color:var(--ink-2)}
.mockchat__body{padding:1.1rem 1.2rem;display:flex;flex-direction:column;gap:.8rem}
.bubble{padding:.7rem .95rem;border-radius:14px;max-width:85%;font-size:.94rem;line-height:1.55}
.bubble--u{align-self:flex-end;background:var(--blue-50);color:var(--ink);border:1px solid var(--blue-200)}
.bubble--a{align-self:flex-start;background:var(--surface-2);color:var(--ink-2);border:1px solid var(--border)}
.bubble strong{color:var(--ink)}

/* Sitemap-style index lists (Learn hub, etc.) */
.idx{
  display:grid;gap:.55rem;grid-template-columns:1fr;margin-top:1rem;
}
@media (min-width:720px){.idx{grid-template-columns:repeat(2,1fr)}}
.idx a{
  display:flex;align-items:center;gap:.65rem;padding:.85rem 1rem;
  background:#fff;border:1px solid var(--border);border-radius:10px;
  color:var(--ink);text-decoration:none;font-size:.95rem;line-height:1.4;
  transition:border-color .2s ease,background .2s ease;
}
.idx a:hover{border-color:var(--blue-200);background:var(--blue-50)}
.idx a::before{content:"→";color:var(--blue-700);font-weight:700;flex:0 0 auto}

/* Contact form — used on contact.html */
.cform{display:grid;gap:1rem;max-width:560px;margin:1.5rem auto 0}
.cform .field{margin-bottom:0}
.cform textarea{
  width:100%;min-height:140px;padding:.7rem .85rem;
  background:var(--surface-2);border:1px solid var(--border);border-radius:8px;
  font:inherit;color:var(--ink);resize:vertical;
}
.cform textarea:focus{outline:0;border-color:var(--blue-300);box-shadow:0 0 0 4px rgba(28,109,217,.08)}

/* Inline tag list (used on hub pages) */
.taglist{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:1rem}
.taglist a{
  font-size:.78rem;padding:.3rem .7rem;border-radius:999px;
  background:var(--surface-2);border:1px solid var(--border);color:var(--ink-2);
  text-decoration:none;transition:border-color .2s ease, color .2s ease;
}
.taglist a:hover{border-color:var(--blue-200);color:var(--blue-700)}

/* ============================================================
   HOMEPAGE — SESSION 3 ADDITIONS (IA Phase)
   ============================================================ */

/* Hero coverage line — small inline list of the 7 sections */
.hero__coverage{
  margin-top:1.1rem;
  font-size:.84rem;color:var(--muted);
  display:flex;flex-wrap:wrap;align-items:center;gap:.5rem;
  line-height:1.5;
}
.hero__coverage__label{
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.18em;text-transform:uppercase;color:var(--subtle);
  margin-right:.15rem;
}
.hero__coverage a{
  color:var(--ink-2);font-weight:500;border-bottom:1px dashed var(--border);
  transition:color .15s ease, border-color .15s ease;
}
.hero__coverage a:hover{color:var(--blue-700);border-color:var(--blue-300)}

/* Explore the platform — 7-card section discovery grid */
.explore-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:1rem;
  margin-top:1.4rem;
}
@media (min-width:640px){.explore-grid{grid-template-columns:repeat(2, 1fr)}}
@media (min-width:980px){.explore-grid{grid-template-columns:repeat(3, 1fr)}}
@media (min-width:1280px){.explore-grid{grid-template-columns:repeat(4, 1fr)}}

.explore-card{
  display:flex;flex-direction:column;gap:.55rem;
  padding:1.35rem 1.4rem 1.25rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:14px;
  color:var(--ink-2);
  text-decoration:none;
  transition:border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.explore-card:hover{
  border-color:var(--blue-300);
  transform:translateY(-2px);
  box-shadow:0 12px 30px -10px rgba(15,23,42,.12);
}
.explore-card__kicker{
  font-family:var(--sans);font-size:.7rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue-700);
  display:flex;align-items:center;gap:.45rem;
}
.explore-card h3{
  font-size:1.05rem;font-weight:600;color:var(--ink);
  line-height:1.3;margin:0;
}
.explore-card p{
  font-size:.91rem;color:var(--muted);line-height:1.5;margin:0;
  flex-grow:1;
}
.explore-card__arrow{
  font-size:.87rem;font-weight:600;color:var(--blue-700);
  margin-top:.35rem;
}
/* Comparison table — Typical mortgage calc vs OwningCost */
.vstable{
  margin-top:1.6rem;
  border:1px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  background:var(--surface);
}
.vstable__head{
  display:grid;grid-template-columns:1.8fr 1fr 1.2fr;
  background:var(--surface-2);
  border-bottom:1px solid var(--border);
  font-family:var(--sans);font-size:.72rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--subtle);
  padding:1rem 1.25rem;
  gap:1rem;
}
.vstable__col-b{color:var(--blue-700)}
.vstable__row{
  display:grid;grid-template-columns:1.8fr 1fr 1.2fr;
  border-bottom:1px solid var(--border);
  padding:1rem 1.25rem;
  gap:1rem;
  align-items:start;
  font-size:.93rem;
  line-height:1.5;
}
.vstable__row:last-child{border-bottom:0}
.vstable__row:nth-child(even){background:rgba(244,245,248,.4)}
.vstable__label{color:var(--ink);font-weight:600}
.vstable__hint{
  display:block;font-size:.79rem;font-weight:400;
  color:var(--muted);margin-top:.15rem;
}
.vstable__cell{color:var(--ink-2);font-size:.9rem}
.vstable__cell--a{color:var(--muted)}
.vstable__check{
  display:inline-flex;align-items:center;justify-content:center;
  width:18px;height:18px;border-radius:50%;
  font-size:.85rem;font-weight:700;
  margin-right:.4rem;
  vertical-align:middle;
}
.vstable__check--yes{background:rgba(78,182,60,.16);color:var(--green-800, #2E7621)}
.vstable__check--no{background:rgba(180,30,30,.1);color:#8a3030}
.vstable__footnote{
  margin-top:1.1rem;font-size:.9rem;color:var(--muted);
  text-align:center;
}
.vstable__footnote a{color:var(--blue-700);font-weight:600}

@media (max-width:719px){
  .vstable__head{display:none}
  .vstable__row{
    grid-template-columns:1fr;
    gap:.55rem;
    padding:1.1rem 1rem;
  }
  .vstable__cell--a::before{
    content:"Typical mortgage calc: ";
    font-weight:700;color:var(--subtle);font-size:.7rem;
    text-transform:uppercase;letter-spacing:.1em;
    display:block;margin-bottom:.25rem;
  }
  .vstable__cell--b::before{
    content:"OwningCost: ";
    font-weight:700;color:var(--blue-700);font-size:.7rem;
    text-transform:uppercase;letter-spacing:.1em;
    display:block;margin-bottom:.25rem;
  }
}

/* Choosing your team — lender + realtor flagship panel */
.teamgrid{
  display:grid;grid-template-columns:1fr;gap:1.1rem;
  margin-top:1.4rem;
}
@media (min-width:880px){.teamgrid{grid-template-columns:1fr 1fr}}

.teamcard{
  display:flex;flex-direction:column;gap:.7rem;
  padding:1.6rem 1.65rem 1.5rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:14px;
  color:var(--ink-2);
  text-decoration:none;
  transition:border-color .2s ease, transform .2s ease, box-shadow .2s ease;
  position:relative;
}
.teamcard:hover{
  border-color:var(--blue-300);
  transform:translateY(-2px);
  box-shadow:0 14px 32px -10px rgba(15,23,42,.13);
}
.teamcard__tag{
  display:inline-block;align-self:flex-start;
  font-family:var(--sans);font-size:.62rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;
  background:var(--green-100, #E5F4DF);color:var(--green-800, #2E7621);
  padding:3px 10px;border-radius:99px;
}
.teamcard h3{
  font-family:var(--serif);font-size:1.4rem;font-weight:600;
  color:var(--ink);line-height:1.25;margin:0;
}
.teamcard p{
  font-size:.95rem;color:var(--muted);line-height:1.55;margin:0;
  flex-grow:1;
}
.teamcard__arrow{
  font-size:.92rem;font-weight:600;color:var(--blue-700);
  margin-top:.4rem;
}
.team__footnote{
  margin-top:1.2rem;font-size:.88rem;color:var(--muted);
  text-align:center;font-style:italic;
}

/* ============================================================
   ABOUT PAGE — SESSION 4 ADDITIONS (IA Phase)
   ============================================================ */

/* Opening paragraph — slightly larger, sets tone */
.article__inner .about__opener{
  font-size:1.12rem;line-height:1.65;color:var(--ink-2);
  margin-bottom:1.6rem;
}

/* About stat grid — 4 calibrated platform stats */
.about__statgrid{
  display:grid;grid-template-columns:repeat(2, 1fr);gap:.85rem;
  margin:1.4rem 0 1.8rem;
}
@media (min-width:640px){.about__statgrid{grid-template-columns:repeat(4, 1fr)}}

.about__stat{
  padding:1.1rem 1.15rem;
  border:1px solid var(--border);
  border-radius:12px;
  background:var(--surface);
  text-align:center;
}
.about__stat__num{
  font-family:var(--serif);font-size:2.1rem;font-weight:600;
  color:var(--ink);line-height:1.1;
}
.about__stat__name{
  font-family:var(--sans);font-size:.72rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--subtle);
  margin-top:.3rem;
}

/* About reasons list — slightly more whitespace than ul */
.article__inner .about__reasons{
  margin:1rem 0 1.6rem;padding-left:1.1rem;
}
.article__inner .about__reasons li{
  margin-bottom:.85rem;line-height:1.6;
}

/* Diff rows — what makes OwningCost different */
.about__diff{
  margin:1.4rem 0 1.8rem;
  border:1px solid var(--border);
  border-radius:14px;
  background:var(--surface);
  overflow:hidden;
}
.about__diff__row{
  display:grid;grid-template-columns:1fr;gap:.35rem;
  padding:1.05rem 1.25rem;
  border-bottom:1px solid var(--border);
}
.about__diff__row:last-child{border-bottom:0}
.about__diff__row:nth-child(even){background:rgba(244,245,248,.4)}
.about__diff__label{font-size:1rem;color:var(--ink);line-height:1.4}
.about__diff__body{font-size:.94rem;color:var(--ink-2);line-height:1.55}
.about__diff__body a{color:var(--blue-700);font-weight:500}

@media (min-width:800px){
  .about__diff__row{
    grid-template-columns:1fr 2.1fr;
    gap:1.2rem;align-items:start;
  }
}

/* Audiences list — slightly tighter */
.article__inner .about__audiences{
  margin:1rem 0 1.4rem;padding-left:1.1rem;
}
.article__inner .about__audiences li{
  margin-bottom:.75rem;line-height:1.6;
}

/* Numbered usage steps — distinctive ordered list */
.article__inner .about__steps{
  list-style:none;padding:0;margin:1.4rem 0 1.6rem;
  counter-reset:about-step;
}
.article__inner .about__steps > li{
  counter-increment:about-step;
  position:relative;
  padding:1.1rem 1.25rem 1.1rem 3.6rem;
  margin-bottom:.85rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:12px;
  line-height:1.6;
}
.article__inner .about__steps > li::before{
  content:counter(about-step);
  position:absolute;left:1rem;top:1.05rem;
  width:2rem;height:2rem;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:1rem;font-weight:600;
  background:rgba(28,109,217,.1);color:var(--blue-700);
}

/* Platform path grid — 8 cards mirroring the nav structure */
.about__pathgrid{
  display:grid;grid-template-columns:1fr;gap:.85rem;
  margin:1.4rem 0 1.8rem;
}
@media (min-width:640px){.about__pathgrid{grid-template-columns:repeat(2, 1fr)}}
@media (min-width:1100px){.about__pathgrid{grid-template-columns:repeat(4, 1fr)}}

.about__path{
  display:flex;flex-direction:column;gap:.45rem;
  padding:1.2rem 1.3rem 1.15rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:12px;
  color:var(--ink-2);text-decoration:none;
  transition:border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.about__path:hover{
  border-color:var(--blue-300);
  transform:translateY(-2px);
  box-shadow:0 12px 28px -10px rgba(15,23,42,.12);
}
.about__path__kicker{
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue-700);
  display:flex;align-items:center;gap:.45rem;
}
.about__path h3{
  font-size:1rem;font-weight:600;color:var(--ink);
  line-height:1.3;margin:0;
}
.about__path p{
  font-size:.88rem;color:var(--muted);line-height:1.5;margin:0;
}
.about__path__tag{
  display:inline-block;padding:1px 7px;
  font-size:.56rem;font-weight:700;letter-spacing:.1em;
  background:rgba(180,122,30,.12);color:#8a5a14;
  border-radius:99px;text-transform:uppercase;
  margin-left:.15rem;
}
.about__path--soon .about__path__kicker{color:#8a5a14}
.about__path--soon:hover{border-color:#d4a85a}

/* Independence claims list */
.article__inner .about__indep{
  margin:1rem 0 1.4rem;padding-left:1.1rem;
}
.article__inner .about__indep li{
  margin-bottom:.75rem;line-height:1.6;
}

/* "Read the full methodology" link styled as a clear next step */
.about__methlink{
  display:inline-block;
  margin-top:.4rem;
  font-weight:600;color:var(--blue-700);
  border-bottom:1px solid var(--blue-300);
  padding-bottom:1px;
}
.about__methlink:hover{color:var(--blue-900, #093A82)}

/* ============================================================
   LEARN PAGE — SESSION 5 ADDITIONS (IA Phase)
   ============================================================ */

/* Beginners panel — sits below the Start here 3-card grid */
.learn__beginners{
  margin-top:1.4rem;
  padding:1.5rem 1.6rem 1.4rem;
  background:rgba(28,109,217,.04);
  border:1px solid var(--blue-200, #B7D2F4);
  border-radius:14px;
}
.learn__beginners__head{margin-bottom:.65rem}
.learn__beginners__kicker{
  display:inline-block;
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue-700);
  margin-bottom:.55rem;
}
.learn__beginners h3{
  font-size:1.15rem;font-weight:600;color:var(--ink);
  margin:0 0 .35rem;line-height:1.3;
}
.learn__beginners__head p{
  font-size:.92rem;color:var(--muted);line-height:1.55;margin:0;
}
.learn__beginners__list{
  list-style:decimal;padding-left:1.4rem;
  margin:.85rem 0 0;
  font-size:.93rem;line-height:1.6;color:var(--ink-2);
}
.learn__beginners__list li{margin-bottom:.55rem}
.learn__beginners__list li:last-child{margin-bottom:0}
.learn__beginners__list a{color:var(--blue-700)}

/* Cluster grid — 5 topical clusters with grouped article cards */
.learn__clusters{
  display:flex;flex-direction:column;gap:1.3rem;
  margin-top:1.6rem;
}

.learn__cluster{
  padding:1.5rem 1.6rem 1.35rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
}
.learn__cluster__head{margin-bottom:1rem}
.learn__cluster__kicker{
  display:inline-block;
  font-family:var(--sans);font-size:.62rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--subtle);
  margin-bottom:.4rem;
}
.learn__cluster__head h3{
  font-family:var(--serif);font-size:1.35rem;font-weight:600;
  color:var(--ink);line-height:1.25;margin:0 0 .35rem;
}
.learn__cluster__head p{
  font-size:.94rem;color:var(--muted);line-height:1.55;margin:0;
}

.learn__cluster__articles{
  display:grid;grid-template-columns:1fr;gap:.7rem;
}
@media (min-width:640px){.learn__cluster__articles{grid-template-columns:repeat(2, 1fr)}}
@media (min-width:1100px){.learn__cluster__articles{grid-template-columns:repeat(3, 1fr)}}

.learn__article{
  display:flex;flex-direction:column;gap:.35rem;
  padding:.9rem 1rem .85rem;
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:10px;
  color:var(--ink-2);
  text-decoration:none;
  transition:border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.learn__article:hover{
  border-color:var(--blue-300);
  transform:translateY(-1px);
  box-shadow:0 8px 20px -10px rgba(15,23,42,.1);
}
.learn__article__tag{
  display:inline-block;
  align-self:flex-start;
  padding:1px 7px;
  font-family:var(--sans);font-size:.58rem;font-weight:700;
  letter-spacing:.12em;text-transform:uppercase;
  background:var(--surface-2);color:var(--subtle);
  border-radius:99px;
  margin-bottom:.1rem;
}
.learn__article h4{
  font-size:.96rem;font-weight:600;color:var(--ink);
  line-height:1.3;margin:0;
}
.learn__article p{
  font-size:.85rem;color:var(--muted);line-height:1.5;margin:0;
}

.learn__cluster__foot{
  margin-top:1rem;padding-top:.9rem;
  border-top:1px solid var(--border);
  font-size:.88rem;color:var(--muted);
  line-height:1.7;
}
.learn__cluster__cta{
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--subtle);
  margin-right:.4rem;
}
.learn__cluster__foot a{
  color:var(--blue-700);font-weight:500;
}
.learn__cluster__foot a:hover{color:var(--blue-900, #093A82)}

/* Reference grid — Glossary + Methodology surfaces */
.learn__refgrid{
  display:grid;grid-template-columns:1fr;gap:1rem;
  margin-top:1.4rem;
}
@media (min-width:760px){.learn__refgrid{grid-template-columns:1fr 1fr}}

.learn__ref{
  display:flex;flex-direction:column;gap:.55rem;
  padding:1.5rem 1.6rem 1.4rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:14px;
  color:var(--ink-2);
  text-decoration:none;
  transition:border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.learn__ref:hover{
  border-color:var(--blue-300);
  transform:translateY(-2px);
  box-shadow:0 14px 32px -10px rgba(15,23,42,.13);
}
.learn__ref__kicker{
  font-family:var(--sans);font-size:.66rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue-700);
}
.learn__ref h3{
  font-family:var(--serif);font-size:1.2rem;font-weight:600;
  color:var(--ink);line-height:1.3;margin:0;
}
.learn__ref p{
  font-size:.93rem;color:var(--muted);line-height:1.55;margin:0;
  flex-grow:1;
}
.learn__ref__arrow{
  font-size:.9rem;font-weight:600;color:var(--blue-700);
  margin-top:.35rem;
}

/* Reading paths — 4 numbered learning sequences */
.learn__paths{
  display:grid;grid-template-columns:1fr;gap:1.1rem;
  margin-top:1.6rem;
}
@media (min-width:920px){.learn__paths{grid-template-columns:1fr 1fr}}

.learn__path{
  padding:1.5rem 1.6rem 1.4rem;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
}
.learn__path__head{margin-bottom:1.1rem}
.learn__path__pill{
  display:inline-block;
  font-family:var(--sans);font-size:.62rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;
  background:var(--ink, #0d1321);color:#fff;
  padding:3px 10px;border-radius:99px;
  margin-bottom:.55rem;
}
.learn__path__head h3{
  font-family:var(--serif);font-size:1.3rem;font-weight:600;
  color:var(--ink);line-height:1.25;margin:0 0 .35rem;
}
.learn__path__head p{
  font-size:.92rem;color:var(--muted);line-height:1.55;margin:0;
}

.learn__path__steps{
  list-style:none;padding:0;margin:0;
  display:flex;flex-direction:column;gap:.7rem;
}
.learn__path__steps > li{
  padding:.8rem 1rem .8rem 1rem;
  background:var(--bg);
  border:1px solid var(--border);
  border-left:3px solid var(--blue-300, #B7D2F4);
  border-radius:8px;
  font-size:.92rem;line-height:1.55;color:var(--ink-2);
}
.learn__path__steps > li:last-child{
  border-left-color:var(--green-700, #2E7621);
}
.learn__path__step__label{
  display:block;
  font-family:var(--sans);font-size:.6rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--subtle);
  margin-bottom:.15rem;
}
.learn__path__steps a{
  color:var(--blue-700);font-weight:600;
}
.learn__path__steps p{
  margin:.2rem 0 0;font-size:.85rem;color:var(--muted);line-height:1.5;
}

/* ============================================================
   MOBILE REFINEMENT PASS — softens the oversized feel on small
   screens without crushing the design. Target: phones <=560px.
   ============================================================
   Diagnosis (May 2026): on phones the platform felt blown up,
   primarily due to the 16.5px body baseline + 1.7 line-height +
   ~3.5rem section padding floor + hero H1 + about__opener size.
   This block scales those down proportionally on small screens
   while preserving WCAG-safe sizing (no body text < 15px, no
   tap target < 44px, no readability regression).
   ============================================================ */
@media (max-width:560px){

  /* Slightly smaller body baseline — affects everything that uses
     rem proportionally. 15.5px from 16.5px = ~6% reduction. Still
     well above WCAG readability minimums. */
  body{font-size:15.5px;line-height:1.55}

  /* Tighter header on mobile — less dominant, still touch-friendly */
  .header__inner{height:58px;gap:.7rem}
  .brand__logo{height:30px}
  .brand__wordmark{font-size:1rem}

  /* PHERO (calculators, hubs) — trim the top hero band */
  .phero{padding:1rem 0 1.5rem}
  .phero h1{font-size:1.6rem;line-height:1.18;margin-top:.45rem}
  .phero__sub{font-size:.97rem;line-height:1.5;margin-top:.55rem}
  .phero__updated{font-size:.78rem;margin-top:.95rem}
  .phero__meta{margin-top:.85rem;gap:.45rem}

  /* AHERO (articles, About, AI in Real Estate, Learn, etc.) — same trim */
  .ahero{padding:1.4rem 0 1rem}
  .ahero h1{font-size:1.55rem;line-height:1.2;margin-top:.4rem}
  .ahero__lede{font-size:.99rem;line-height:1.55;margin-top:.7rem}
  .ahero__kicker{font-size:.66rem}
  .ahero__meta{font-size:.82rem;gap:.7rem;margin-top:.8rem}
  .ahero__meta span{flex-wrap:wrap}

  /* Article body — slightly tighter paragraphs */
  .article{padding:1.4rem 0 1rem}
  .article__inner p{font-size:.99rem;line-height:1.62}
  .article__inner h2{font-size:1.35rem;margin-top:1.55rem;line-height:1.22}
  .article__inner h3{font-size:1.08rem;margin-top:1.25rem}
  .article__inner ul,.article__inner ol{padding-left:1.2rem}
  .article__inner li{font-size:.97rem;line-height:1.58;margin:.35rem 0}

  /* about__opener (the big lede paragraph in flagship articles) — trim */
  .about__opener{font-size:1.02rem;line-height:1.58;margin-bottom:1.2rem}

  /* SECTION vertical rhythm — biggest single contributor to the
     "blown up" feeling. Cut ~30% on mobile. */
  .section{padding:2.4rem 0}
  .section--tight{padding:1.8rem 0}
  .section--surface{padding:2.4rem 0}
  .section__head{margin-bottom:1.5rem}
  .section__head h2{font-size:1.45rem;line-height:1.22}
  .section__head .section__lede,
  .section__head .section__sub{font-size:.97rem;line-height:1.55;margin-top:.65rem}

  /* Hubcards — keep readable but trim padding */
  .hubcard{padding:1.05rem 1.15rem}
  .hubcard h3{font-size:1.08rem;line-height:1.25}
  .hubcard p{font-size:.9rem;line-height:1.5;margin-top:.4rem}
  .hubcard__cta{font-size:.85rem;margin-top:.7rem}
  .hubcard__tag{font-size:.6rem}

  /* Related cards (rcards) — same treatment */
  .rcard{padding:1rem 1.1rem}
  .rcard h3,.rcard h4{font-size:1.02rem;line-height:1.25}
  .rcard p{font-size:.88rem;line-height:1.5;margin-top:.3rem}
  .rcard__tag{font-size:.6rem}

  /* CTA band — trim oversized closing CTAs */
  .ctaband{padding:2rem 1.25rem}
  .ctaband h2{font-size:1.4rem;line-height:1.22}
  .ctaband p{font-size:.95rem;line-height:1.5;margin:.7rem auto 1.25rem}
  .ctaband__row{gap:.5rem}

  /* Buttons — slightly smaller on mobile to match the new rhythm */
  .btn{padding:.7rem 1rem;font-size:.92rem}
  .btn--sm{padding:.6rem .95rem;font-size:.86rem}

  /* About-page components (used by long-form pages) */
  .about__diff{margin:1.2rem 0}
  .about__diff__row{padding:.85rem 0;gap:.6rem}
  .about__diff__label{font-size:.95rem}
  .about__diff__body{font-size:.92rem;line-height:1.55}
  .about__reasons li{font-size:.96rem;line-height:1.58;padding-left:1.25rem}
  .about__steps li{padding:.85rem .95rem .85rem 2.55rem;font-size:.95rem;line-height:1.55}
  .about__steps li::before{font-size:.78rem;width:1.6rem;height:1.6rem;left:.55rem;top:.85rem}

  /* Learn-page cluster cards — tighten padding */
  .learn__cluster{padding:1.15rem 1.2rem 1.05rem}
  .learn__cluster__head h3{font-size:1.18rem;line-height:1.22}
  .learn__cluster__head p{font-size:.92rem;line-height:1.5}
  .learn__article{padding:.75rem .85rem .7rem}
  .learn__article h4{font-size:.92rem}
  .learn__article p{font-size:.82rem;line-height:1.45}
  .learn__path{padding:1.15rem 1.2rem 1.05rem}
  .learn__path__head h3{font-size:1.18rem}
  .learn__beginners{padding:1.15rem 1.2rem 1.05rem;margin-top:1rem}

  /* FAQ — tighten */
  .faq summary{font-size:1rem;padding:1rem 2rem 1rem 0}
  .faq__a{font-size:.93rem;line-height:1.55;padding:0 0 1rem}

  /* Breadcrumb — less prominent on mobile */
  .crumbs{font-size:.78rem;padding:.65rem 0 .25rem}

  /* Container side padding — keep readable line lengths without
     edge-to-edge feel */
  .container{padding-left:1.1rem;padding-right:1.1rem}

  /* Eyebrows / kickers — less shouty */
  .eyebrow,.section__kicker{font-size:.62rem;letter-spacing:.14em}

  /* Global H1 — the floor of clamp(2.25rem, ...) is too big for phones.
     Override here. Pheros/aheros already overridden above; this catches
     homepage and any other H1 not inside .phero/.ahero. */
  h1{font-size:1.7rem;line-height:1.15}

  /* HOMEPAGE HERO — trim padding + lede + proof + ctas spacing */
  .hero{padding:1.5rem 0 2rem}
  .hero__grid{gap:1.6rem}
  .hero__headline{margin-top:.7rem}
  .hero__lede{font-size:1rem;line-height:1.5;margin-top:.9rem}
  .hero__ctas{margin-top:1.2rem;gap:.5rem}
  .hero__proof{margin-top:1.2rem;font-size:.82rem;gap:.7rem}
  .hero__coverage{margin-top:.85rem;font-size:.8rem}
  .costcard{padding:1.2rem;margin-top:1rem}

  /* Discoveryrow — small adjacent-content link strips */
  .discoveryrow{font-size:.85rem;gap:.3rem .65rem;margin-top:1.1rem}

  /* iOS zoom-on-focus prevention — calc form inputs must remain >=16px.
     With the new 15.5px body baseline, .98rem = 15.2px, which triggers
     iOS Safari to auto-zoom the viewport when the input is focused.
     Lock to 16px explicitly on mobile. */
  .field__input input,
  .field__input select,
  .cform input,
  .cform textarea,
  .zipcard__input,
  input[type="text"],
  input[type="number"],
  input[type="email"],
  input[type="search"],
  textarea,
  select{font-size:16px}
}

/* Even tighter on very small phones (iPhone SE / older Androids) */
@media (max-width:380px){
  .phero h1,.ahero h1{font-size:1.42rem}
  .section{padding:2rem 0}
  .section--tight{padding:1.5rem 0}
  .section__head h2,.ctaband h2{font-size:1.3rem}
  .hubcard{padding:.95rem 1.05rem}
  .rcard{padding:.9rem 1rem}
  .container{padding-left:.95rem;padding-right:.95rem}
}

/* ============================================================
   INLINE INPUT EDUCATION (Session 4)
   ------------------------------------------------------------
   A small "?" affordance next to calculator input labels.
   Accessible (button + aria-describedby + role="tooltip"), works on
   hover, focus, and tap. Pure CSS show/hide for desktop hover/focus;
   a tiny JS controller handles tap-to-toggle on touch devices.
   Lives inside .field__label without breaking existing layout.
   ============================================================ */

/* The label container becomes a flex row that lets the help button
   sit inline with the label text. We override the existing
   space-between so label+help cluster left, value floats right. */
.field__label{flex-wrap:wrap;gap:.35rem}
.field__label > span:first-child{display:inline-flex;align-items:center;gap:.32rem}

/* The "?" trigger button. Small, unobtrusive, accessible. */
.field__help{
  flex:0 0 auto;
  width:16px;height:16px;
  display:inline-flex;align-items:center;justify-content:center;
  border:1px solid var(--border);border-radius:50%;
  background:var(--surface);color:var(--subtle);
  font-size:.68rem;font-weight:700;line-height:1;
  cursor:help;padding:0;
  transition:background .12s ease, color .12s ease, border-color .12s ease;
  font-family:var(--sans);
  position:relative; /* anchor for the tooltip */
}
.field__help:hover,.field__help:focus-visible{
  background:var(--blue-50);color:var(--blue-700);border-color:var(--blue-300);
  outline:none;
}
.field__help:focus-visible{box-shadow:0 0 0 3px rgba(28,109,217,.18)}

/* The tooltip popover. Hidden by default. Shown on hover, focus, or
   when [data-open="true"] is set by JS for tap. */
.field__tip{
  position:absolute;
  left:50%;transform:translateX(-50%);
  bottom:calc(100% + 8px);
  width:max-content;max-width:280px;
  padding:.7rem .85rem;
  background:var(--ink);color:var(--bg);
  border-radius:9px;
  font-size:.78rem;line-height:1.45;font-weight:500;
  text-align:left;letter-spacing:0;
  box-shadow:0 8px 24px rgba(13,19,33,.18);
  opacity:0;visibility:hidden;
  transition:opacity .12s ease,visibility .12s ease,transform .12s ease;
  z-index:50;pointer-events:none;
}
.field__tip::after{
  content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);
  border:5px solid transparent;border-top-color:var(--ink);
}
.field__help:hover .field__tip,
.field__help:focus-visible .field__tip,
.field__help[data-open="true"] .field__tip{
  opacity:1;visibility:visible;pointer-events:auto;
}

/* On narrow screens, anchor the tooltip to the field block rather
   than the tiny button, so it doesn't overflow off-canvas. */
@media (max-width:560px){
  .field__help{width:18px;height:18px;font-size:.72rem}
  .field__tip{
    /* Pin to left edge of the field row instead of centering on the icon */
    left:0;right:auto;transform:none;
    max-width:calc(100vw - 3rem);
    bottom:calc(100% + 10px);
  }
  .field__tip::after{left:14px;transform:none}
}

/* Hide tooltip if the field__help is inside a disabled context */
.field__input[disabled] ~ .field__help,
.field__help[aria-disabled="true"]{display:none}

/* ============================================================
   CALCULATOR URL STATE — SHARE BUTTON (Session 6)
   ------------------------------------------------------------
   Small, unobtrusive button placed near each calculator output
   that copies the current URL (with state) to the clipboard.
   ============================================================ */
.calc__share{
  margin-top:1.1rem;display:flex;justify-content:flex-end;
}
.calc__share-btn{
  display:inline-flex;align-items:center;gap:.4rem;
  font-size:.78rem;font-weight:600;color:var(--blue-700);
  background:var(--surface);border:1px solid var(--border);
  border-radius:8px;padding:.42rem .75rem;
  cursor:pointer;transition:background .15s ease,border-color .15s ease,color .15s ease;
  font-family:var(--sans);letter-spacing:.01em;
}
.calc__share-btn:hover{background:var(--blue-50);border-color:var(--blue-300)}
.calc__share-btn:focus-visible{
  outline:none;box-shadow:0 0 0 3px rgba(28,109,217,.18);
  border-color:var(--blue-600);
}
.calc__share-btn.is-flashed{background:var(--green-100);color:var(--green-700);border-color:var(--green-300)}
.calc__share-btn svg{width:14px;height:14px;flex:0 0 auto}