/* ============================================================
   HearthLoan — Editorial Finance
   ============================================================ */

:root {
  /* Palette — warm paper, deep ink, ember accent */
  --bg: #f6f3ec;
  --surface: #ffffff;
  --surface-2: #efebde;
  --ink-900: #131210;
  --ink-800: #2a2823;
  --ink-700: #4a463d;
  --ink-500: #6e6a5e;
  --ink-400: #908b7d;
  --ink-300: #b8b3a4;
  --ink-200: #d4cfbf;
  --border: #e3dfd0;
  --border-strong: #c9c3b0;
  --accent: #b4502a;
  --accent-hover: #973f1f;
  --accent-soft: #f4e6db;
  --accent-tint: #fbf3ec;
  --positive: #2d6347;
  --positive-soft: #e8efe9;
  --negative: #8b3a3a;
  --highlight: #f6e9b8;

  /* Type */
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', ui-monospace, SFMono-Regular, monospace;

  /* Layout */
  --container: 1200px;
  --container-narrow: 880px;
  --gutter: clamp(20px, 4vw, 40px);

  /* Spacing */
  --s-1: 4px;
  --s-2: 8px;
  --s-3: 12px;
  --s-4: 16px;
  --s-5: 20px;
  --s-6: 24px;
  --s-7: 32px;
  --s-8: 40px;
  --s-9: 56px;
  --s-10: 72px;
  --s-11: 96px;
  --s-12: 128px;

  /* Effects */
  --radius: 4px;
  --radius-md: 8px;
  --radius-lg: 14px;
  --shadow-sm: 0 1px 2px rgba(19, 18, 16, 0.04);
  --shadow: 0 2px 4px rgba(19, 18, 16, 0.04), 0 12px 32px -8px rgba(19, 18, 16, 0.08);
  --shadow-lg: 0 4px 8px rgba(19, 18, 16, 0.04), 0 24px 56px -12px rgba(19, 18, 16, 0.12);

  --t-fast: 120ms cubic-bezier(0.4, 0, 0.2, 1);
  --t-base: 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* ============================================================
   Reset & base
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; }

html {
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.55;
  color: var(--ink-900);
  background: var(--bg);
  font-feature-settings: 'ss01', 'cv11';
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}

img, svg { display: block; max-width: 100%; }
button { font: inherit; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }

a {
  color: var(--ink-900);
  text-decoration-color: var(--ink-200);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  transition: color var(--t-fast), text-decoration-color var(--t-fast);
}
a:hover {
  color: var(--accent);
  text-decoration-color: var(--accent);
}

::selection { background: var(--highlight); color: var(--ink-900); }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  background: var(--ink-900);
  color: #fff;
  padding: 8px 16px;
  border-radius: var(--radius);
  z-index: 100;
  text-decoration: none;
}
.skip-link:focus { left: 8px; color: #fff; }

/* ============================================================
   Containers & sections
   ============================================================ */

.container {
  width: 100%;
  max-width: calc(var(--container) + var(--gutter) * 2);
  margin: 0 auto;
  padding-inline: var(--gutter);
}
.container-narrow { max-width: calc(var(--container-narrow) + var(--gutter) * 2); }

.section {
  padding-block: clamp(64px, 9vw, var(--s-12));
  position: relative;
}
.section + .section { border-top: 1px solid var(--border); }

.section-head {
  max-width: 720px;
  margin-bottom: clamp(40px, 5vw, 64px);
}
.section-head-tight { margin-bottom: 40px; }

.section-num {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.04em;
  color: var(--accent);
  margin-bottom: 16px;
  font-feature-settings: 'tnum';
}
.section-num::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 1px;
  background: var(--accent);
  vertical-align: middle;
  margin-right: 10px;
  transform: translateY(-2px);
}

.section-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(1.75rem, 3.5vw, 2.4rem);
  line-height: 1.1;
  letter-spacing: -0.015em;
  margin: 0 0 16px;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 96, 'SOFT' 30;
}

.section-lede {
  font-size: 1.0625rem;
  line-height: 1.55;
  color: var(--ink-700);
  margin: 0;
  max-width: 60ch;
}

/* ============================================================
   Header
   ============================================================ */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(246, 243, 236, 0.85);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--t-base), background var(--t-base);
}
.site-header.scrolled {
  border-bottom-color: var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  min-height: 68px;
  padding-block: 12px;
}

.wordmark {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.3rem;
  letter-spacing: -0.015em;
  text-decoration: none;
  color: var(--ink-900);
  white-space: nowrap;
  font-variation-settings: 'opsz' 30;
}
.wordmark-hearth { color: var(--accent); }
.wordmark-loan { color: var(--ink-900); }
.wordmark:hover { color: var(--accent); }

.primary-nav {
  display: flex;
  gap: 28px;
  margin-left: auto;
  font-size: 0.9375rem;
}
.primary-nav a {
  text-decoration: none;
  color: var(--ink-700);
  position: relative;
  padding-block: 8px;
}
.primary-nav a:hover { color: var(--ink-900); }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  font-weight: 500;
  line-height: 1;
  text-decoration: none;
  border: 1px solid transparent;
  transition: background var(--t-base), color var(--t-base), border-color var(--t-base), transform var(--t-fast);
  white-space: nowrap;
}
.btn-primary {
  background: var(--ink-900);
  color: #fff;
  border-color: var(--ink-900);
}
.btn-primary:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}
.btn-secondary {
  background: transparent;
  color: var(--ink-900);
  border-color: var(--border-strong);
}
.btn-secondary:hover {
  background: var(--ink-900);
  color: #fff;
  border-color: var(--ink-900);
}
.btn-link {
  padding: 12px 4px;
  color: var(--ink-900);
  border-radius: 0;
}
.btn-link:hover {
  color: var(--accent);
  background: transparent;
}
.btn-link svg { transition: transform var(--t-base); }
.btn-link:hover svg { transform: translateX(3px); }
.btn-sm { padding: 9px 16px; font-size: 0.875rem; }

.lang-switch {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  padding-left: 4px;
  border-left: 1px solid var(--border);
  padding-block: 4px;
  padding-inline: 16px 4px;
}
.lang-switch a {
  text-decoration: none;
  color: var(--ink-400);
  padding: 2px 0;
  transition: color var(--t-fast);
  letter-spacing: inherit;
}
.lang-switch a:hover { color: var(--ink-900); }
.lang-switch a.active {
  color: var(--ink-900);
  font-weight: 500;
}
.lang-switch-sep { color: var(--ink-300); }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  width: 38px;
  height: 38px;
  padding: 0;
  margin-left: auto;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
}
.nav-toggle span {
  display: block;
  width: 16px;
  height: 1.5px;
  background: var(--ink-900);
  transition: transform var(--t-base);
}

/* ============================================================
   Hero
   ============================================================ */

.hero {
  padding-block: clamp(56px, 8vw, 96px) clamp(64px, 8vw, 112px);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, var(--accent-tint) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr);
  gap: clamp(40px, 5vw, 80px);
  align-items: start;
  position: relative;
  z-index: 1;
}
.hero-grid-single {
  grid-template-columns: minmax(0, 720px);
  justify-content: start;
}

.hero-copy {
  padding-top: 20px;
}

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.05em;
  color: var(--accent);
  margin: 0 0 24px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--accent);
}

.display {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(2.25rem, 5.5vw, 3.625rem);
  line-height: 1.04;
  letter-spacing: -0.025em;
  color: var(--ink-900);
  margin: 0 0 24px;
  font-variation-settings: 'opsz' 144, 'SOFT' 30;
  max-width: 14ch;
}
.display em {
  font-style: italic;
  color: var(--accent);
  font-weight: 400;
  font-variation-settings: 'opsz' 144, 'SOFT' 30;
}

.lede {
  font-size: 1.1875rem;
  line-height: 1.5;
  color: var(--ink-700);
  margin: 0 0 36px;
  max-width: 52ch;
}

.hero-ctas {
  display: flex;
  gap: 8px 28px;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.hero-meta {
  font-size: 0.8125rem;
  color: var(--ink-500);
  margin: 0;
}
.hero-meta a {
  color: var(--ink-700);
  text-decoration-color: var(--ink-300);
}

/* ============================================================
   Calculator card
   ============================================================ */

.calculator-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 3vw, 32px);
  box-shadow: var(--shadow-lg);
  position: relative;
}

.calc-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 24px;
  gap: 12px;
}

.calc-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.375rem;
  letter-spacing: -0.01em;
  margin: 0 0 4px;
  font-variation-settings: 'opsz' 30;
}

.calc-sub {
  font-size: 0.8125rem;
  color: var(--ink-500);
  margin: 0;
}

.calc-badge {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--positive);
  background: var(--positive-soft);
  padding: 4px 10px;
  border-radius: 100px;
  flex-shrink: 0;
  align-self: center;
}

.calc-form fieldset {
  border: none;
  padding: 0;
  margin: 0 0 20px;
  min-width: 0;
}
.calc-form { min-width: 0; }
.calculator-card { min-width: 0; max-width: 100%; }
.calc-form legend {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-500);
  padding: 0;
  margin-bottom: 12px;
  width: 100%;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.calc-form fieldset:first-of-type legend { border-top: 0; padding-top: 0; }

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 10px;
}

.field {
  display: block;
  margin-bottom: 10px;
}

.field-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.8125rem;
  color: var(--ink-700);
  margin-bottom: 6px;
  font-weight: 500;
}
.field-hint {
  font-size: 0.6875rem;
  color: var(--ink-400);
  font-weight: 400;
  font-family: var(--font-mono);
}

.input-wrap {
  display: flex;
  align-items: center;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: border-color var(--t-fast), background var(--t-fast), box-shadow var(--t-fast);
  overflow: hidden;
}
.input-wrap:focus-within {
  border-color: var(--ink-900);
  background: var(--surface);
  box-shadow: 0 0 0 3px rgba(180, 80, 42, 0.08);
}

.input-wrap input {
  flex: 1;
  background: transparent;
  border: 0;
  outline: 0;
  padding: 10px 12px;
  font-family: var(--font-body);
  font-variant-numeric: tabular-nums;
  font-feature-settings: 'tnum' on, 'lnum' on;
  font-size: 0.9375rem;
  color: var(--ink-900);
  min-width: 0;
  width: 100%;
}
.input-wrap input::placeholder { color: var(--ink-400); }

.input-wrap .prefix,
.input-wrap .suffix {
  font-size: 0.875rem;
  color: var(--ink-500);
  padding-inline: 12px;
  font-variant-numeric: tabular-nums;
  user-select: none;
}
.input-currency .prefix { padding-right: 0; }
.input-currency input { padding-left: 4px; }
.input-percent .suffix { padding-left: 0; }
.input-percent input { padding-right: 4px; }

.calc-results {
  margin-top: 24px;
  background: linear-gradient(180deg, var(--accent-tint) 0%, var(--surface-2) 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
}

.result-hero {
  text-align: center;
  padding-bottom: 18px;
  margin-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.result-label {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-500);
  margin-bottom: 6px;
}
.result-figure {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 2.5rem);
  font-weight: 500;
  line-height: 1;
  color: var(--positive);
  font-variant-numeric: tabular-nums;
  font-feature-settings: 'tnum' on, 'lnum' on;
  letter-spacing: -0.02em;
  font-variation-settings: 'opsz' 96;
  margin-bottom: 6px;
}
.result-figure.negative { color: var(--negative); }
.result-note {
  font-size: 0.8125rem;
  color: var(--ink-500);
}

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
}
.result-item {
  text-align: center;
}
.result-item .result-label {
  font-size: 0.625rem;
  margin-bottom: 4px;
}
.result-value {
  font-family: var(--font-display);
  font-size: 1.0625rem;
  font-weight: 500;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  font-feature-settings: 'tnum' on, 'lnum' on;
  font-variation-settings: 'opsz' 30;
}

.calc-footnote {
  font-size: 0.75rem;
  color: var(--ink-500);
  line-height: 1.5;
  margin: 16px 0 0;
}

/* ============================================================
   Trust strip
   ============================================================ */

.trust-strip {
  background: var(--ink-900);
  color: var(--bg);
  padding-block: 20px;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px 32px;
  align-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  color: rgba(246, 243, 236, 0.85);
}
.trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--accent);
  flex-shrink: 0;
}

/* ============================================================
   Starting point
   ============================================================ */

.card-grid {
  display: grid;
  gap: 16px;
}
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  display: flex;
  flex-direction: column;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 26px 24px;
  text-decoration: none;
  color: inherit;
  transition: border-color var(--t-base), transform var(--t-base), box-shadow var(--t-base);
  position: relative;
}
.card-link:hover {
  border-color: var(--ink-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.card-link:hover .card-cta { color: var(--accent); }
.card-link:hover .card-cta svg { transform: translateX(3px); }

.card-kicker {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}

.card-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.25rem;
  letter-spacing: -0.01em;
  line-height: 1.2;
  margin: 0 0 10px;
  font-variation-settings: 'opsz' 36;
}

.card-desc {
  font-size: 0.9375rem;
  line-height: 1.5;
  color: var(--ink-700);
  margin: 0 0 24px;
  flex-grow: 1;
}

.card-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--ink-900);
  transition: color var(--t-fast);
}
.card-cta svg { transition: transform var(--t-base); }

/* ============================================================
   Personas
   ============================================================ */

.persona-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.persona {
  background: var(--surface);
  padding: 32px 30px;
}
.persona-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1875rem;
  letter-spacing: -0.005em;
  line-height: 1.25;
  margin: 0 0 10px;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 30;
}
.persona-desc {
  font-size: 0.9375rem;
  color: var(--ink-700);
  line-height: 1.55;
  margin: 0;
}

/* ============================================================
   Outcomes
   ============================================================ */

.outcome-list {
  list-style: none;
  padding: 0;
  margin: 0;
  border-top: 1px solid var(--border);
}
.outcome-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px;
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
  align-items: baseline;
}
.outcome-num {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
}
.outcome-list h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1875rem;
  margin: 0 0 6px;
  letter-spacing: -0.005em;
  font-variation-settings: 'opsz' 36;
}
.outcome-list p {
  font-size: 0.9375rem;
  color: var(--ink-700);
  margin: 0;
  max-width: 60ch;
}

/* ============================================================
   Methodology
   ============================================================ */

.section-methodology {
  background: var(--surface-2);
}
.section-methodology::before {
  content: '';
  display: block;
}

.method-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.method-item {
  background: var(--surface);
  padding: 28px 28px;
}
.method-item h3 {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 10px;
  font-weight: 500;
}
.method-item p {
  font-size: 0.9375rem;
  color: var(--ink-800);
  line-height: 1.55;
  margin: 0;
}
.method-item code {
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  background: var(--accent-tint);
  padding: 2px 6px;
  border-radius: 3px;
  color: var(--ink-800);
  white-space: nowrap;
}
.method-meta {
  background: var(--ink-900);
  color: rgba(246, 243, 236, 0.85);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.method-meta-label {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 6px;
}
.method-meta time {
  font-family: var(--font-display);
  font-size: 1.375rem;
  font-weight: 500;
  color: #fff;
  font-variation-settings: 'opsz' 36;
}

/* ============================================================
   Scenarios
   ============================================================ */

.scenario-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.scenario {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.scenario-head {
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.scenario-tag {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
}
.scenario-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1875rem;
  letter-spacing: -0.01em;
  margin: 0;
  font-variation-settings: 'opsz' 36;
}

.scenario-inputs {
  margin: 0;
  display: grid;
  gap: 8px;
}
.scenario-inputs > div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  font-size: 0.8125rem;
  padding-bottom: 8px;
  border-bottom: 1px dashed var(--border);
}
.scenario-inputs > div:last-child { border-bottom: 0; padding-bottom: 0; }
.scenario-inputs dt { color: var(--ink-500); margin: 0; }
.scenario-inputs dd {
  margin: 0;
  font-weight: 500;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  text-align: right;
}

.scenario-outcome {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 16px 18px;
  display: grid;
  gap: 10px;
}
.scenario-outcome-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.875rem;
}
.scenario-outcome-row span { color: var(--ink-700); }
.scenario-outcome-row strong {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.0625rem;
  color: var(--ink-900);
  font-variant-numeric: tabular-nums;
  font-variation-settings: 'opsz' 36;
}
.scenario-outcome-row strong.positive { color: var(--positive); }
.scenario-outcome-row strong.negative { color: var(--negative); }

.scenario-note {
  font-size: 0.8125rem;
  color: var(--ink-500);
  line-height: 1.5;
  margin: 0;
  font-style: italic;
}

/* ============================================================
   Learning hub
   ============================================================ */

.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.hub-card {
  display: block;
  background: var(--surface);
  padding: 28px 26px;
  text-decoration: none;
  color: inherit;
  transition: background var(--t-base);
  position: relative;
}
.hub-card::after {
  content: '↗';
  position: absolute;
  top: 24px;
  right: 24px;
  color: var(--ink-300);
  font-family: var(--font-mono);
  transition: color var(--t-base), transform var(--t-base);
}
.hub-card:hover { background: var(--accent-tint); }
.hub-card:hover::after {
  color: var(--accent);
  transform: translate(2px, -2px);
}
.hub-card h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.125rem;
  letter-spacing: -0.005em;
  margin: 0 32px 8px 0;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 30;
}
.hub-card p {
  font-size: 0.875rem;
  color: var(--ink-700);
  margin: 0;
  line-height: 1.5;
}

/* ============================================================
   Review team
   ============================================================ */

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.team-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 26px;
}
.team-card-open {
  background: transparent;
  border-style: dashed;
  border-color: var(--border-strong);
}

.team-avatar {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.0625rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  margin-bottom: 18px;
  font-variation-settings: 'opsz' 30;
}
.team-avatar-open {
  background: transparent;
  border: 1px dashed var(--border-strong);
  color: var(--ink-400);
}
.team-avatar-open svg {
  width: 22px;
  height: 22px;
}

.team-name {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1875rem;
  letter-spacing: -0.005em;
  margin: 0 0 4px;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 30;
}
.team-card-open .team-name { color: var(--ink-700); }

.team-role {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.04em;
  color: var(--accent);
  margin: 0 0 14px;
}
.team-card-open .team-role { color: var(--ink-500); }

.team-bio {
  font-size: 0.9375rem;
  color: var(--ink-700);
  line-height: 1.55;
  margin: 0 0 18px;
}

.team-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--ink-900);
  text-decoration: none;
}
.team-link:hover { color: var(--accent); }

.team-disclosure {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.125rem;
  line-height: 1.5;
  color: var(--ink-700);
  margin: 0;
  padding-top: 32px;
  border-top: 1px solid var(--border);
  max-width: 60ch;
  font-variation-settings: 'opsz' 36;
}

/* ============================================================
   Transparency
   ============================================================ */

.trans-list {
  list-style: none;
  padding: 0;
  margin: 0;
  border-top: 1px solid var(--border);
}
.trans-list li {
  border-bottom: 1px solid var(--border);
}
.trans-list a {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 20px;
  align-items: baseline;
  padding: 22px 4px;
  text-decoration: none;
  color: inherit;
  transition: padding var(--t-base);
}
.trans-list a:hover {
  padding-left: 12px;
}
.trans-list a > span:first-child {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.125rem;
  letter-spacing: -0.005em;
  font-variation-settings: 'opsz' 36;
}
.trans-list a:hover > span:first-child { color: var(--accent); }
.trans-desc {
  font-size: 0.9375rem;
  color: var(--ink-500);
}

/* ============================================================
   FAQ
   ============================================================ */

.faq-list {
  border-top: 1px solid var(--border);
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.125rem;
  letter-spacing: -0.005em;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 36;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary em {
  font-style: italic;
  color: var(--accent);
}

.faq-icon {
  position: relative;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}
.faq-icon::before,
.faq-icon::after {
  content: '';
  position: absolute;
  background: var(--ink-700);
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: transform var(--t-base);
}
.faq-icon::before { width: 14px; height: 1.5px; }
.faq-icon::after { width: 1.5px; height: 14px; }
.faq-item[open] .faq-icon::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }
.faq-item[open] summary { color: var(--accent); }

.faq-body {
  padding: 0 0 24px;
}
.faq-body p {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--ink-700);
  margin: 0;
  max-width: 70ch;
}

/* ============================================================
   Final CTA
   ============================================================ */

.section-final-cta {
  background: var(--ink-900);
  color: var(--bg);
  text-align: center;
}
.section-final-cta + .site-footer { border-top: 0; }

.final-cta-title {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: #fff;
  margin: 0 0 20px;
  font-variation-settings: 'opsz' 96;
  max-width: 22ch;
  margin-inline: auto;
}
.final-cta-lede {
  font-size: 1.0625rem;
  color: rgba(246, 243, 236, 0.7);
  margin: 0 0 36px;
}
.final-cta-buttons {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.section-final-cta .btn-primary {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}
.section-final-cta .btn-primary:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
}
.section-final-cta .btn-secondary {
  background: transparent;
  border-color: rgba(246, 243, 236, 0.25);
  color: var(--bg);
}
.section-final-cta .btn-secondary:hover {
  background: rgba(246, 243, 236, 0.1);
  border-color: rgba(246, 243, 236, 0.5);
  color: #fff;
}

/* ============================================================
   Footer
   ============================================================ */

.site-footer {
  background: #0e0d0c;
  color: rgba(246, 243, 236, 0.65);
  padding-block: 64px 32px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.3fr 3fr;
  gap: 56px;
  align-items: start;
}

.wordmark-footer {
  font-size: 1.5rem;
  color: #fff;
  margin-bottom: 12px;
  display: inline-block;
}
.wordmark-footer .wordmark-loan { color: #fff; }

.footer-tagline {
  font-size: 0.875rem;
  color: rgba(246, 243, 236, 0.55);
  margin: 0;
  max-width: 28ch;
}

.footer-nav {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 16px;
  font-weight: 500;
}
.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}
.footer-col a {
  color: rgba(246, 243, 236, 0.7);
  text-decoration: none;
  font-size: 0.875rem;
  transition: color var(--t-fast);
}
.footer-col a:hover { color: #fff; }

.footer-disclaimer {
  grid-column: 1 / -1;
  padding-top: 40px;
  margin-top: 16px;
  border-top: 1px solid rgba(246, 243, 236, 0.1);
}
.footer-disclaimer p {
  font-size: 0.75rem;
  color: rgba(246, 243, 236, 0.45);
  line-height: 1.65;
  margin: 0 0 16px;
  max-width: 80ch;
}
.footer-meta {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 0.75rem;
  color: rgba(246, 243, 236, 0.4);
}
.footer-meta a {
  color: rgba(246, 243, 236, 0.6);
  text-decoration: none;
}
.footer-meta a:hover { color: #fff; }

/* ============================================================
   Editorial page (policies, about, contact, methodology)
   ============================================================ */

.hero-simple {
  padding-block: clamp(48px, 7vw, 80px) clamp(24px, 4vw, 40px);
  position: relative;
  overflow: hidden;
}
.hero-simple::before {
  content: '';
  position: absolute;
  top: -150px;
  right: -150px;
  width: 480px;
  height: 480px;
  background: radial-gradient(circle, var(--accent-tint) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}
.hero-simple .container { position: relative; z-index: 1; }
.hero-simple .display {
  font-size: clamp(2rem, 4.5vw, 2.875rem);
  max-width: 22ch;
  margin-bottom: 16px;
}
.hero-simple .lede {
  font-size: 1.0625rem;
  max-width: 60ch;
  margin: 0;
}
.hero-simple .page-meta {
  margin-top: 24px;
  font-size: 0.8125rem;
  color: var(--ink-500);
  display: flex;
  flex-wrap: wrap;
  gap: 4px 12px;
}
.hero-simple .page-meta time { color: var(--ink-700); font-variant-numeric: tabular-nums; }
.hero-simple .page-meta a { color: var(--ink-700); text-decoration-color: var(--ink-300); }

.prose {
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink-800);
}
.prose h2 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.5rem;
  letter-spacing: -0.01em;
  line-height: 1.2;
  margin: 48px 0 12px;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 36;
  scroll-margin-top: 88px;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1.1875rem;
  letter-spacing: -0.005em;
  margin: 28px 0 8px;
  color: var(--ink-900);
  font-variation-settings: 'opsz' 36;
}
.prose p { margin: 0 0 16px; max-width: 70ch; }
.prose ul, .prose ol {
  margin: 0 0 16px;
  padding-left: 24px;
  max-width: 70ch;
}
.prose li { margin-bottom: 6px; }
.prose li p { margin-bottom: 6px; }
.prose strong { color: var(--ink-900); font-weight: 500; }
.prose code {
  font-family: var(--font-mono);
  font-size: 0.875em;
  background: var(--surface-2);
  padding: 1px 5px;
  border-radius: 3px;
  color: var(--ink-900);
}
.prose hr {
  border: 0;
  border-top: 1px solid var(--border);
  margin: 40px 0;
}
.prose .toc {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  margin: 0 0 40px;
}
.prose .toc h2 {
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 10px;
  font-weight: 500;
}
.prose .toc ol {
  margin: 0;
  padding-left: 20px;
  font-size: 0.9375rem;
}
.prose .toc li { margin-bottom: 4px; }
.prose .pill {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.6875rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-500);
  border: 1px dashed var(--border-strong);
  padding: 3px 8px;
  border-radius: 100px;
  margin-right: 6px;
}
.prose .callout {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 20px 0;
  font-size: 0.9375rem;
}
.prose .callout p:last-child { margin-bottom: 0; }

/* ============================================================
   Responsive
   ============================================================ */

@media (max-width: 1024px) {
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .hub-grid { grid-template-columns: repeat(2, 1fr); }
  .scenario-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  :root { --gutter: 20px; }
  html { scroll-padding-top: 64px; }

  /* Allow grid/flex items to shrink past their content width */
  .hero-grid > *,
  .hero-ctas > *,
  .card-grid > *,
  .scenario-grid > *,
  .team-grid > *,
  .hub-grid > *,
  .persona-grid > *,
  .method-grid > *,
  .footer-inner > *,
  .footer-nav > * { min-width: 0; }

  .hero-ctas {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }
  .hero-ctas .btn { justify-content: center; }
  .hero-ctas .btn-link { justify-content: flex-start; padding-left: 0; }

  .primary-nav { display: none; }
  .nav-toggle { display: flex; margin-left: 12px; }
  .header-inner .btn-sm { display: none; }
  .header-inner { min-height: 60px; gap: 16px; }
  .lang-switch {
    margin-left: auto;
    border-left: 0;
    padding-inline: 0;
  }

  .primary-nav.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    padding: 20px var(--gutter);
    gap: 4px;
    box-shadow: var(--shadow);
  }
  .primary-nav.open a {
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
  }
  .primary-nav.open a:last-child { border-bottom: 0; }

  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-copy { padding-top: 0; }

  .card-grid-4 { grid-template-columns: 1fr; }
  .persona-grid { grid-template-columns: 1fr; }
  .method-grid { grid-template-columns: 1fr; }
  .hub-grid { grid-template-columns: 1fr; }
  .footer-nav { grid-template-columns: repeat(2, 1fr); gap: 28px; }

  .trust-grid {
    grid-template-columns: 1fr 1fr;
    gap: 14px 24px;
  }

  .field-row { grid-template-columns: 1fr; gap: 0; }

  .result-grid { grid-template-columns: 1fr; gap: 14px; }
  .result-item { display: flex; justify-content: space-between; align-items: baseline; }
  .result-item .result-label { margin-bottom: 0; }

  .trans-list a {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .outcome-list li { grid-template-columns: 1fr; gap: 4px; }
  .outcome-num { margin-bottom: 0; }

  .section { padding-block: 64px; }
}

@media (max-width: 480px) {
  .display { font-size: 2.125rem; }
  .calculator-card { padding: 20px 18px; }
  .calc-form fieldset { margin-bottom: 16px; }
  .scenario { padding: 22px 20px; }
  .card { padding: 22px 20px; }
  .trust-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Print
   ============================================================ */
@media print {
  /* Global print defaults — keep brand visible, hide interactive chrome */
  body { background: #fff; color: #000; }
  .site-header {
    position: static;
    background: #fff;
    border-bottom: 1px solid #ddd;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }
  .primary-nav,
  .lang-switch,
  .nav-toggle,
  .header-inner .btn,
  .section-final-cta,
  .hero-ctas .btn-link,
  .skip-link { display: none !important; }
  .hero::before,
  .calc-hero::before { display: none !important; }
  .section + .section { border-top: 0; }
  /* Page break helpers */
  h1, h2, h3 { page-break-after: avoid; }
  .card, .scenario, .team-card, .results-card, .form-section, .warning { page-break-inside: avoid; }
  @page { size: letter; margin: 0.5in; }
}