/* MortgageInfo.us — core styles */
:root{
  --spruce:#1E4D45; --spruce-deep:#153A34; --ink:#1A2826; --ink-soft:#4A5A57;
  --paper:#F7F9F8; --white:#FFFFFF; --mist:#E3EEEB; --line:#CFDDD9;
  --marigold:#F2B441; --marigold-deep:#D9962A;
  --radius-s:6px; --radius-m:12px; --radius-l:20px;
  --display:"Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body:"Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --measure:68ch;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-size:1.0625rem;line-height:1.65}
img{max-width:100%;height:auto}
a{color:var(--spruce);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--marigold-deep);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);line-height:1.15;letter-spacing:-0.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.5rem,2.8vw,2.1rem);font-weight:650;margin-top:1.6em}
h3{font-size:1.25rem;font-weight:650;margin-top:1.4em}
p{margin:0 0 1em}
.wrap{width:min(1160px,100% - 2.5rem);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--white);padding:.6rem 1rem;z-index:99}
.skip:focus{left:1rem;top:1rem}

/* Header */
.site-head{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-head .wrap{display:flex;align-items:center;gap:1.5rem;min-height:72px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink);font-family:var(--display);font-weight:700;font-size:1.15rem;line-height:1.1}
.brand svg{flex:none}
.brand small{display:block;font-family:var(--body);font-weight:400;font-size:.78rem;color:var(--ink-soft)}
.nav{margin-left:auto;display:flex;align-items:center;gap:1.25rem}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem}
.nav a:hover,.nav a[aria-current="page"]{color:var(--spruce);text-decoration:underline}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:var(--radius-s);padding:.5rem .75rem;font:inherit;color:var(--ink)}
@media (max-width:960px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--white);flex-direction:column;align-items:flex-start;padding:1rem 1.25rem 1.5rem;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
}

/* Buttons */
.btn{display:inline-block;font-family:var(--body);font-weight:650;font-size:1rem;padding:.8rem 1.35rem;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--marigold);color:var(--ink)}
.btn-primary:hover{background:var(--marigold-deep)}
.btn-quiet{background:transparent;color:var(--spruce);border-color:var(--spruce)}
.btn-quiet:hover{background:var(--mist)}
.nav .btn{color:var(--ink);text-decoration:none}

/* Home hero */
.hero{background:var(--spruce);color:var(--white);padding:4.5rem 0 5rem;position:relative;overflow:hidden}
.hero h1{color:var(--white);max-width:18ch}
.hero .lede{font-size:1.2rem;max-width:52ch;color:#DDEBE7}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:3rem;align-items:end}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.doors{display:grid;gap:.75rem;margin-top:2rem;max-width:560px}
.door{display:flex;justify-content:space-between;align-items:center;gap:1rem;background:var(--white);color:var(--ink);text-decoration:none;padding:1.1rem 1.25rem;border-radius:var(--radius-m);border:2px solid transparent}
.door:hover{border-color:var(--marigold)}
.door strong{font-family:var(--display);font-size:1.2rem;display:block}
.door span{color:var(--ink-soft);font-size:.95rem}
.door .go{flex:none;width:40px;height:40px;border-radius:50%;background:var(--mist);display:grid;place-items:center}
.snapshot{background:var(--spruce-deep);border-radius:var(--radius-l);padding:1.75rem;border:1px solid #2F6259}
.snapshot h2{color:var(--white);font-size:1.15rem;margin:0 0 1rem}
.snapshot dl{margin:0;display:grid;gap:1rem}
.snapshot dt{font-size:.9rem;color:#B9D2CC}
.snapshot dd{margin:0;font-family:var(--display);font-size:2.4rem;font-weight:700;color:var(--white);line-height:1}
.snapshot dd small{font-family:var(--body);font-size:.85rem;font-weight:400;color:#B9D2CC;margin-left:.4rem}
.snapshot p{font-size:.82rem;color:#B9D2CC;margin:1.25rem 0 0}
.snapshot a{color:var(--marigold)}

/* Sections */
section.band{padding:4rem 0}
section.band.alt{background:var(--white);border-block:1px solid var(--line)}
.section-intro{max-width:60ch;color:var(--ink-soft);font-size:1.1rem}
.cols-3{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.cols-2{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}
@media (max-width:860px){.cols-3,.cols-2{grid-template-columns:1fr}}
.path h3{margin-top:0}
.path{border-top:3px solid var(--spruce);padding-top:1.25rem}
.path ul{padding-left:1.1rem;margin:0 0 1rem}
.steps{counter-reset:step;list-style:none;padding:0;margin:2rem 0 0;display:grid;grid-template-columns:repeat(5,1fr);gap:1.25rem}
.steps li{counter-increment:step;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-m);padding:1.25rem}
.steps li::before{content:counter(step);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--spruce);color:var(--white);font-family:var(--display);font-weight:700;margin-bottom:.75rem}
.steps strong{display:block;font-family:var(--display);font-size:1.05rem;margin-bottom:.25rem}
.steps span{font-size:.95rem;color:var(--ink-soft)}
@media (max-width:960px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* News list */
.news-list{list-style:none;padding:0;margin:0;display:grid;gap:0}
.news-item{display:grid;grid-template-columns:150px 1fr;gap:1.5rem;padding:1.5rem 0;border-bottom:1px solid var(--line)}
.news-item:first-child{border-top:1px solid var(--line)}
.news-item h3{margin:0 0 .35rem;font-size:1.2rem}
.news-item h3 a{color:var(--ink);text-decoration:none}
.news-item h3 a:hover{color:var(--spruce);text-decoration:underline}
.news-item p{margin:0;color:var(--ink-soft);font-size:.98rem}
.news-meta{font-size:.88rem;color:var(--ink-soft)}
.tag{display:inline-block;font-size:.8rem;font-weight:600;padding:.15rem .6rem;border-radius:999px;background:var(--mist);color:var(--spruce-deep)}
.tag.market{background:#FDEBC4;color:#6B4A0E}
@media (max-width:640px){.news-item{grid-template-columns:1fr;gap:.4rem}}
.filters{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.5rem 0}
.filters button{font:inherit;font-size:.92rem;padding:.45rem .95rem;border-radius:999px;border:1px solid var(--line);background:var(--white);color:var(--ink);cursor:pointer}
.filters button[aria-pressed="true"]{background:var(--spruce);color:var(--white);border-color:var(--spruce)}

/* Article */
.crumbs{font-size:.9rem;color:var(--ink-soft);padding:1.25rem 0 0}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:var(--line)}
.article-head{padding:1.5rem 0 1rem}
.article-head h1{max-width:24ch}
.article-meta{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;align-items:center;font-size:.92rem;color:var(--ink-soft)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:3.5rem;padding-bottom:4rem}
@media (max-width:980px){.article-grid{grid-template-columns:1fr}}
.prose{max-width:var(--measure)}
.prose ul,.prose ol{padding-left:1.25rem}
.prose li{margin-bottom:.4rem}
.prose table{width:100%;border-collapse:collapse;margin:1.25rem 0;font-size:.97rem}
.table-scroll{overflow-x:auto;margin:1.25rem 0}
.prose th,.prose td{text-align:left;padding:.6rem .75rem;border-bottom:1px solid var(--line)}
.prose th{background:var(--mist);font-weight:650}
.prose blockquote{margin:1.5rem 0;padding:0 0 0 1.25rem;border-left:3px solid var(--line);color:var(--ink-soft)}

/* Signature: the short answer card */
.answer{position:relative;background:var(--white);border:1px solid var(--line);border-left:6px solid var(--marigold);border-radius:var(--radius-m);padding:1.4rem 1.5rem 1.2rem;margin:.5rem 0 2rem;max-width:var(--measure)}
.answer h2{font-size:1.05rem;margin:0 0 .5rem;color:var(--spruce)}
.answer p{font-size:1.12rem;margin:0}
.answer .cite{margin-top:1rem;display:flex;gap:.75rem;align-items:center;flex-wrap:wrap}
.answer .cite button{font:inherit;font-size:.85rem;background:none;border:1px solid var(--line);border-radius:999px;padding:.3rem .8rem;cursor:pointer;color:var(--spruce)}
.answer .cite button:hover{background:var(--mist)}
.answer .cite small{color:var(--ink-soft);font-size:.82rem}

.keybox{background:var(--mist);border-radius:var(--radius-m);padding:1.25rem 1.4rem;margin:1.5rem 0}
.keybox h3{margin:0 0 .6rem;font-size:1.05rem}
.keybox dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:.35rem 1rem}
.keybox dt{font-weight:650}
.keybox dd{margin:0}

.aside-sticky{position:sticky;top:96px;display:grid;gap:1.25rem}
.aside-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-m);padding:1.25rem}
.aside-card h2{font-size:1.1rem;margin:0 0 .5rem}
.aside-card p{font-size:.95rem;color:var(--ink-soft)}
.aside-card ul{padding-left:1.1rem;margin:0;font-size:.95rem}
.aside-cta{background:var(--spruce);color:var(--white);border:none}
.aside-cta h2{color:var(--white)}
.aside-cta p{color:#DDEBE7}

.faq details{border-bottom:1px solid var(--line);padding:1rem 0}
.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:650;font-family:var(--display);font-size:1.1rem;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--spruce)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:.75rem 0 0}
.sources{font-size:.92rem;color:var(--ink-soft);border-top:1px solid var(--line);margin-top:2.5rem;padding-top:1.25rem}
.sources ul{padding-left:1.1rem}
.byline{font-size:.92rem;color:var(--ink-soft);background:var(--white);border:1px solid var(--line);border-radius:var(--radius-m);padding:1rem 1.25rem;margin-top:2rem}

/* Hub pages */
.hub-hero{background:var(--white);border-bottom:1px solid var(--line);padding:3rem 0 2.5rem}
.hub-hero .lede{font-size:1.2rem;color:var(--ink-soft);max-width:58ch}
.toc{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-m);padding:1.25rem}
.toc h2{font-size:1.05rem;margin:0 0 .5rem}
.toc ol{margin:0;padding-left:1.2rem;font-size:.95rem}
.compare{width:100%;border-collapse:collapse}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:2rem;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-l);padding:2rem}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.field{display:grid;gap:.35rem;margin-bottom:1.1rem}
.field label{font-weight:600;font-size:.95rem}
.field input,.field select{font:inherit;padding:.7rem .85rem;border:1px solid #AFC4BF;border-radius:var(--radius-s);background:var(--white);color:var(--ink);width:100%}
.field .hint{font-size:.85rem;color:var(--ink-soft)}
.result{background:var(--mist);border-radius:var(--radius-m);padding:1.5rem}
.result .big{font-family:var(--display);font-size:3rem;font-weight:700;line-height:1;color:var(--spruce-deep)}
.result table{width:100%;border-collapse:collapse;margin-top:1rem;font-size:.95rem}
.result td{padding:.4rem 0;border-bottom:1px solid var(--line)}
.result td:last-child{text-align:right;font-variant-numeric:tabular-nums}

/* Lead form */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-l);padding:2rem;max-width:720px}
.goal-pick{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-bottom:1.5rem}
@media (max-width:600px){.goal-pick{grid-template-columns:1fr}}
.goal-pick label{display:block;border:2px solid var(--line);border-radius:var(--radius-m);padding:1rem;cursor:pointer;font-weight:600}
.goal-pick input{position:absolute;opacity:0}
.goal-pick input:checked+span{color:var(--spruce)}
.goal-pick label:has(input:checked){border-color:var(--spruce);background:var(--mist)}
.goal-pick label:has(input:focus-visible){outline:3px solid var(--marigold-deep);outline-offset:2px}
.consent{display:flex;gap:.75rem;align-items:flex-start;font-size:.85rem;color:var(--ink-soft);margin:1rem 0 1.5rem}
.consent input{margin-top:.3rem;width:18px;height:18px;flex:none}
.form-status{margin-top:1rem;font-weight:600}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media (max-width:600px){.row2{grid-template-columns:1fr}}

/* Glossary */
.glossary dt{font-family:var(--display);font-weight:650;font-size:1.15rem;margin-top:1.5rem}
.glossary dd{margin:.35rem 0 0;max-width:var(--measure)}
.az{display:flex;flex-wrap:wrap;gap:.35rem;margin:1rem 0 2rem}
.az a{display:grid;place-items:center;width:36px;height:36px;border:1px solid var(--line);border-radius:var(--radius-s);text-decoration:none;background:var(--white)}

/* CTA band + footer */
.cta-band{background:var(--mist);padding:3.5rem 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta-band h2{margin:0 0 .35rem}
.cta-band p{margin:0;color:var(--ink-soft)}
.site-foot{background:var(--ink);color:#C9D6D3;padding:3.5rem 0 2rem;font-size:.93rem}
.site-foot a{color:#E7F0EE}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-foot h2{color:var(--white);font-size:1rem;margin:0 0 .75rem}
.site-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.fine{border-top:1px solid #34423F;margin-top:2.5rem;padding-top:1.5rem;font-size:.82rem;color:#9FB0AC}
.fine p{max-width:none}

/* Notice bar */
.notice{position:fixed;left:1rem;right:1rem;bottom:1rem;max-width:640px;margin-inline:auto;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-m);padding:1rem 1.25rem;box-shadow:0 8px 30px rgba(26,40,38,.15);display:flex;gap:1rem;align-items:center;z-index:50;font-size:.9rem}
.notice[hidden]{display:none}
.notice button{flex:none}

@media (prefers-reduced-motion:no-preference){
  .hero .doors .door{transition:border-color .15s}
}
.article-head h1{font-size:clamp(1.9rem,3.6vw,2.75rem);max-width:30ch}
.door span{line-height:1.45}