:root {
  --ink: #17241d;
  --ink-soft: #3d4f44;
  --paper: #f4efe6;
  --paper-2: #e8e0d2;
  --cream: #fffcf6;
  --line: rgba(23, 36, 29, 0.12);
  --sage: #2f5c45;
  --sage-2: #3f7a5c;
  --sage-deep: #1c3228;
  --brass: #c4a36a;
  --copper: #b86132;
  --good: #2a7a4f;
  --bad: #9a3b2a;
  --warn: #9a6b24;
  --shadow: 0 18px 50px rgba(23, 36, 29, 0.08);
  --serif: "Fraunces", "Iowan Old Style", "Palatino Linotype", Palatino, serif;
  --sans: "Plus Jakarta Sans", "Segoe UI", system-ui, sans-serif;
  --radius: 18px;
  --header: 72px;
}

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 16.5px;
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
button, input, select { font: inherit; }
a { color: var(--sage); }

.skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--cream);
  padding: 0.6rem 1rem;
  z-index: 20;
}
.skip:focus { left: 0.75rem; top: 0.75rem; }

.wrap {
  width: min(1160px, calc(100% - 2rem));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: color-mix(in srgb, var(--paper) 88%, transparent);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  min-height: var(--header);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  text-decoration: none;
  color: inherit;
  min-width: 0;
}

.mark {
  width: 36px;
  height: 36px;
  flex: none;
}

.wordmark {
  font-family: var(--serif);
  font-size: 1.45rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1;
}

.wordmark .tld { color: var(--sage); }

.tag {
  display: block;
  color: var(--ink-soft);
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 0.2rem;
}

.nav-toggle {
  display: none;
  border: 1px solid var(--line);
  background: var(--cream);
  border-radius: 999px;
  padding: 0.45rem 0.85rem;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 0.35rem 1rem;
}

.site-nav a,
.site-nav summary {
  color: inherit;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  list-style: none;
  cursor: pointer;
}

.site-nav summary::-webkit-details-marker { display: none; }

.nav-drop { position: relative; }

.nav-drop div {
  position: absolute;
  right: 0;
  top: calc(100% + 0.6rem);
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 14px;
  min-width: 240px;
  padding: 0.5rem;
  box-shadow: var(--shadow);
}

.nav-drop a {
  display: block;
  padding: 0.55rem 0.7rem;
  border-radius: 10px;
}

.nav-drop a:hover,
.site-nav a:hover { background: var(--paper-2); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: 0;
  border-radius: 999px;
  padding: 0.7rem 1.1rem;
  background: var(--sage);
  color: var(--cream);
  font-weight: 650;
  text-decoration: none;
  cursor: pointer;
}

.btn:hover { background: var(--sage-2); }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--line);
}
.btn-ghost:hover { background: var(--paper-2); }
.btn-sm { padding: 0.45rem 0.9rem; font-size: 0.9rem; }

.hero {
  position: relative;
  min-height: 420px;
  display: grid;
  align-items: end;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}

.hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 42%;
}

.hero-content {
  position: relative;
  z-index: 1;
  padding: 4.5rem 0 2.4rem;
  color: var(--cream);
  max-width: 760px;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(23, 36, 29, 0.1), rgba(23, 36, 29, 0.72) 70%);
}

.kicker {
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--brass);
  margin: 0 0 0.8rem;
}

h1, h2, h3, .serif {
  font-family: var(--serif);
  letter-spacing: -0.03em;
  line-height: 1.15;
}

h1 { font-size: clamp(2.4rem, 5vw, 4.1rem); margin: 0 0 0.8rem; font-weight: 600; }
h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); margin: 0 0 0.7rem; }
h3 { font-size: 1.25rem; margin: 0 0 0.4rem; }

.lede {
  font-size: 1.15rem;
  max-width: 46rem;
  margin: 0 0 1.2rem;
  color: color-mix(in srgb, var(--cream) 88%, var(--brass));
}

.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

.chips li {
  background: rgba(255, 252, 246, 0.12);
  border: 1px solid rgba(255, 252, 246, 0.2);
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
  font-size: 0.86rem;
}

.calc-section { padding: 2rem 0 3.5rem; }
#calculator,
#results { scroll-margin-top: calc(var(--header) + 12px); }

.calc-shell {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: var(--shadow);
  overflow: hidden;
}

.calc-toolbar {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  align-items: center;
  padding: 0.9rem 1.1rem;
  border-bottom: 1px solid var(--line);
  background: var(--paper);
}

.presets { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-right: auto; }

.chip {
  border: 1px solid var(--line);
  background: var(--cream);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.84rem;
}

.chip:hover, .chip:focus-visible { border-color: var(--sage); color: var(--sage); }

[hidden] { display: none !important; }

.calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr);
  align-items: start;
}

.calc-inputs {
  padding: 1.2rem;
  border-right: 1px solid var(--line);
}

fieldset {
  border: 0;
  margin: 0 0 1.3rem;
  padding: 0;
}

legend {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 600;
  margin-bottom: 0.8rem;
}

.mode-row, .field-row {
  display: grid;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
}

.field-row.two { grid-template-columns: 1fr 1fr; }
.field-row.three { grid-template-columns: 1.3fr 0.8fr 0.8fr; }

.mode {
  display: flex;
  gap: 0.4rem;
  background: var(--paper);
  padding: 0.25rem;
  border-radius: 999px;
  width: fit-content;
}

.mode label {
  border-radius: 999px;
  font-size: 0.86rem;
  font-weight: 650;
  cursor: pointer;
}

.mode input { position: absolute; opacity: 0; pointer-events: none; }
.mode input:checked + span { background: var(--sage); color: var(--cream); }
.mode span { display: block; padding: 0.35rem 0.75rem; border-radius: 999px; }

label.field {
  display: flex;
  flex-direction: column;
  gap: 0.28rem;
  font-size: 0.82rem;
  font-weight: 650;
  color: var(--ink-soft);
}

.control {
  display: flex;
  align-items: center;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}

.control:focus-within {
  border-color: var(--sage);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--sage) 18%, transparent);
}

.control input {
  width: 100%;
  border: 0;
  background: transparent;
  padding: 0.7rem 0.75rem;
  color: var(--ink);
}

.control .affix {
  padding: 0 0.2rem 0 0.8rem;
  color: var(--ink-soft);
  font-weight: 700;
}

.check {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  font-size: 0.92rem;
  font-weight: 550;
  margin: 0.4rem 0;
}

.check input { margin-top: 0.2rem; accent-color: var(--sage); }

.hint {
  color: var(--ink-soft);
  font-size: 0.8rem;
  font-weight: 500;
}

.linkish {
  background: none;
  border: 0;
  color: var(--sage);
  font-weight: 700;
  cursor: pointer;
  padding: 0;
}

.calc-results {
  padding: 1.2rem;
  background: linear-gradient(180deg, #fbf8f1, var(--cream));
}

.verdict {
  border-radius: 16px;
  padding: 1rem 1.1rem;
  margin-bottom: 1rem;
  background: var(--sage-deep);
  color: var(--cream);
}

.verdict[data-tone="ok"] { background: var(--sage); }
.verdict[data-tone="no"] { background: #6f2f24; }
.verdict[data-tone="warn"] { background: #6f4e20; }
.verdict[data-tone="info"] { background: var(--sage-deep); }

.verdict h3 { color: var(--cream); margin-bottom: 0.25rem; }
.verdict p { margin: 0; color: color-mix(in srgb, var(--cream) 88%, white); }

.stat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.7rem;
  margin-bottom: 1rem;
}

.stat {
  background: var(--paper);
  border-radius: 16px;
  padding: 0.9rem;
}

.stat span {
  display: block;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--ink-soft);
  white-space: nowrap;
}

.stat-value {
  font-family: var(--serif);
  font-size: 1.55rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  margin-top: 0.2rem;
}

.stat-value.is-up { color: var(--good); }
.stat-value.is-down { color: var(--bad); }

.compare {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  margin: 0.4rem 0 1rem;
}

.compare th {
  text-align: left;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  padding: 0.45rem 0.4rem;
  border-bottom: 1px solid var(--line);
}

.compare td {
  padding: 0.5rem 0.4rem;
  border-bottom: 1px solid var(--line);
}

.compare td:not(:first-child),
.compare th:not(:first-child) { text-align: right; font-variant-numeric: tabular-nums; }

.chart-card {
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 0.8rem;
  margin-bottom: 0.8rem;
  background: var(--cream);
}

.chart-card h3 { font-size: 1rem; }
.chart { width: 100%; min-height: 80px; }
.chart svg { width: 100%; height: auto; }
.chart .grid line { stroke: var(--line); }
.chart text { fill: var(--ink-soft); font-size: 11px; font-family: var(--sans); }
.chart .line { stroke-width: 2.5; }
.chart .line.current { stroke: var(--copper); }
.chart .line.next { stroke: var(--sage); }
.chart .stay-line { stroke: var(--brass); stroke-dasharray: 4 4; }
.chart .stay-label { fill: var(--brass); }
.chart .bar.current { fill: color-mix(in srgb, var(--copper) 80%, white); }
.chart .bar.next { fill: color-mix(in srgb, var(--sage) 80%, white); }
.chart .bar-value { fill: var(--ink); font-weight: 700; font-size: 12px; }

.legend {
  display: flex;
  gap: 1rem;
  font-size: 0.8rem;
  color: var(--ink-soft);
  margin: 0.2rem 0 0.6rem;
}

.legend i {
  display: inline-block;
  width: 0.7rem;
  height: 0.7rem;
  border-radius: 99px;
  margin-right: 0.3rem;
}

.legend .current { background: var(--copper); }
.legend .next { background: var(--sage); }

.amort {
  width: 100%;
  font-size: 0.88rem;
  border-collapse: collapse;
}

.amort th, .amort td {
  padding: 0.45rem 0.35rem;
  border-bottom: 1px solid var(--line);
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.amort th:first-child, .amort td:first-child { text-align: left; }

.privacy-note {
  font-size: 0.82rem;
  color: var(--ink-soft);
  margin: 0.8rem 0 0;
}

.page-hero {
  padding: 2.5rem 0 2rem;
  display: grid;
  grid-template-columns: 1.2fr 0.9fr;
  gap: 2rem;
  align-items: center;
}

.page-hero .lede { color: var(--ink-soft); }

.page-hero img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center 40%;
  border-radius: 24px;
}

.prose { padding: 0 0 4rem; }
.prose p { max-width: 46rem; }
.prose h2, .prose h3 { margin-top: 2rem; }
.prose ul, .prose ol { max-width: 46rem; padding-left: 1.2rem; }
.prose li { margin: 0.35rem 0; }

.card-grid, .guide-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.card {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 20px;
  overflow: hidden;
  color: inherit;
  text-decoration: none;
  display: flex;
  flex-direction: column;
}

.card img {
  width: 100%;
  height: 170px;
  object-fit: cover;
  object-position: center 40%;
}

.card div { padding: 1rem 1.05rem 1.15rem; }
.card p { margin: 0; color: var(--ink-soft); font-size: 0.95rem; }

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: center;
  margin: 2.5rem 0;
}

.split img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center 40%;
  border-radius: 24px;
}

.promise {
  background: var(--sage-deep);
  color: var(--cream);
  border-radius: 28px;
  padding: 2rem;
  margin: 2rem 0;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.5rem;
  align-items: center;
}

.promise img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  object-position: center 40%;
  border-radius: 18px;
}

.promise h2 { color: var(--cream); }
.promise p { color: color-mix(in srgb, var(--cream) 86%, white); }
.promise a { color: var(--brass); }

.faq details {
  border-top: 1px solid var(--line);
  padding: 0.9rem 0;
}

.faq summary {
  font-weight: 700;
  cursor: pointer;
}

.cta-band {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  padding: 1.4rem 0 3rem;
}

.site-footer {
  background: var(--sage-deep);
  color: color-mix(in srgb, var(--cream) 86%, white);
  padding: 2.4rem 0 1.4rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

.site-footer a { color: var(--cream); text-decoration: none; }
.site-footer a:hover { color: var(--brass); }
.site-footer h3 { color: var(--cream); font-size: 0.95rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 0.3rem 0; }
.fine {
  font-size: 0.8rem;
  border-top: 1px solid rgba(255,252,246,0.12);
  padding-top: 1rem;
}

.mobile-bar {
  display: none;
  position: sticky;
  bottom: 0;
  background: var(--sage-deep);
  color: var(--cream);
  padding: 0.75rem 1rem;
  justify-content: space-between;
  gap: 1rem;
  z-index: 9;
}

.rates {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.8rem;
  margin: 1.5rem 0 0;
}

.rate-card {
  background: rgba(255,252,246,0.1);
  border: 1px solid rgba(255,252,246,0.16);
  border-radius: 16px;
  padding: 0.9rem;
}

.rate-card b {
  display: block;
  font-family: var(--serif);
  font-size: 1.6rem;
}

table.plain {
  width: min(100%, 46rem);
  border-collapse: collapse;
}

.plain th, .plain td {
  text-align: left;
  padding: 0.55rem 0.4rem;
  border-bottom: 1px solid var(--line);
}

.notice {
  background: var(--paper-2);
  border-radius: 14px;
  padding: 0.9rem 1rem;
  font-size: 0.92rem;
}

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .site-nav {
    display: none;
    position: absolute;
    inset: var(--header) 0.75rem auto;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 0.7rem;
    flex-direction: column;
    align-items: stretch;
    box-shadow: var(--shadow);
  }
  .site-nav.is-open { display: flex; }
  .nav-drop div { position: static; box-shadow: none; border: 0; padding: 0.2rem 0 0.4rem 0.6rem; }
  .calc-grid, .page-hero, .split, .promise, .card-grid, .guide-grid, .footer-grid, .stat-grid, .rates {
    grid-template-columns: 1fr;
  }
  .calc-inputs { border-right: 0; border-bottom: 1px solid var(--line); }
  .hero { min-height: 360px; }
  .page-hero img, .split img { height: 220px; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .mobile-bar { display: flex; }
  .field-row.two, .field-row.three { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 560px) {
  .field-row.three { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

@media print {
  .site-header, .site-nav, .calc-toolbar, .site-footer, .mobile-bar, .hero, .btn, .presets, .nav-toggle { display: none !important; }
  body { background: white; }
  .calc-shell { box-shadow: none; border: 0; }
  .calc-grid { display: block; }
}