/* ==========================================================================
   Franklin Direct — shared brand stylesheet
   "Ledger" system: warm paper, Gilroy, hairline rules, no gradients.
   Franklin blue (#156BB6) retained as the single action colour.
   Every class name is unchanged from the previous stylesheet, so page markup
   needs no edits beyond the nav (see README).
   ========================================================================== */

/* --------------------------------------------------------------------------
   Gilroy. Licensed font — buy a webfont licence from Radomir Tinkov, drop the
   woff2 files in /assets/fonts/, and these five faces cover the whole site.
   Figtree is loaded in each page head as the metric-adjacent fallback so the
   site never renders in Times if a face 404s.
   -------------------------------------------------------------------------- */
/* The five Gilroy faces are parked until the licence and woff2 files are in
   place. Left live, each page fired three 404s for fonts that do not exist —
   harmless to the eye thanks to font-display:swap and the Figtree fallback,
   but three wasted requests on every view and a red column in any log.
   To switch Gilroy on: drop the woff2 files into /assets/fonts/, delete the
   two comment markers around this block, and run stamp.py. */
/*
@font-face{font-family:'Gilroy';font-style:normal;font-weight:300;font-display:swap;src:url('/assets/fonts/Gilroy-Light.woff2') format('woff2')}
@font-face{font-family:'Gilroy';font-style:normal;font-weight:400;font-display:swap;src:url('/assets/fonts/Gilroy-Regular.woff2') format('woff2')}
@font-face{font-family:'Gilroy';font-style:normal;font-weight:500;font-display:swap;src:url('/assets/fonts/Gilroy-Medium.woff2') format('woff2')}
@font-face{font-family:'Gilroy';font-style:normal;font-weight:600 700;font-display:swap;src:url('/assets/fonts/Gilroy-Bold.woff2') format('woff2')}
@font-face{font-family:'Gilroy';font-style:normal;font-weight:800 900;font-display:swap;src:url('/assets/fonts/Gilroy-Heavy.woff2') format('woff2')}
*/

:root{
  --franklin:#156BB6;
  --franklin-deep:#0E4C7E;
  --navy:#0B3255;--navy-deep:#07182b;
  --navy-2:#0F4373;
  --sky:#3F97DE;
  --sky-2:#7FB3E0;
  --tint:#F5F2EC;
  --tint-2:#FBFAF7;
  --ink:#14202B;
  --muted:#5A6672;
  --muted-2:#7A8590;
  --line:#E3E0D8;
  --rule:#EFECE4;          /* lighter hairline, inside cards */
  --white:#FFFFFF;
  --paper:#FBFAF7;
  --gold:#9A7B3F;
  --gold-tint:#FBF8F1;
  --gold-line:#E7DEC9;
  --sans:'Gilroy','Figtree',system-ui,-apple-system,'Segoe UI',sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
  --shadow:0 1px 3px rgba(20,32,43,.05);
  --shadow-sm:0 1px 2px rgba(20,32,43,.04);
  --r:3px;                 /* the only radius on the site, besides circles */
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
  background:var(--paper);
}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}

/* ---------- skip link (a11y) ---------- */
.skip{
  position:absolute;left:-9999px;top:0;z-index:100;padding:12px 18px;background:var(--franklin);
  color:#fff;font-weight:600;border-radius:0 0 var(--r) 0;text-decoration:none;
}
.skip:focus{left:0}

/* ---------- site header ---------- */
.site-head{
  background:var(--white);border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:50;
}
.head-in{display:flex;align-items:center;gap:26px;padding:15px 22px;max-width:1080px;margin:0 auto;position:relative}
.brand{display:flex;align-items:center;flex:none;text-decoration:none}
.brand img{height:38px;width:auto;display:block}
.nav{display:flex;align-items:center;gap:22px;margin-left:4px}
.nav a{
  font-size:.88rem;font-weight:500;color:var(--muted);text-decoration:none;
  padding:3px 0 2px;border-bottom:2px solid transparent;white-space:nowrap;
  transition:color .14s,border-color .14s;
}
.nav a:hover{color:var(--ink);border-bottom-color:var(--line)}
.nav a[aria-current="page"]{color:var(--ink);font-weight:600;border-bottom-color:var(--franklin)}

/* Only five links ride in the desktop row. The other nine live in the panel
   behind "All 12 tools" — except the one you're on, which stays visible so the
   row always shows where you are. */
.nav a[data-sec]:not([aria-current="page"]){display:none}

.head-cta{display:flex;align-items:center;gap:16px;margin-left:auto;flex:none}
.head-phone{
  font-family:var(--mono);font-size:.82rem;font-weight:500;color:var(--ink);text-decoration:none;
  display:inline-flex;align-items:center;gap:7px;white-space:nowrap;
}
.head-phone:hover{color:var(--franklin)}
.head-phone svg{width:14px;height:14px;stroke:var(--franklin);flex:none}
.btn-apply{
  font-family:var(--sans);font-weight:600;font-size:.88rem;color:#fff;text-decoration:none;
  padding:11px 20px;border-radius:var(--r);white-space:nowrap;background:var(--franklin);
  transition:background .14s;
}
.btn-apply:hover{background:var(--franklin-deep)}

/* ---------- "All 12 tools" / mobile menu button ---------- */
.nav-toggle{
  display:inline-flex;align-items:center;gap:7px;cursor:pointer;
  font-family:var(--sans);font-weight:500;font-size:.88rem;
  color:var(--muted);background:none;border:0;border-left:1px solid var(--line);
  padding:3px 0 2px 22px;white-space:nowrap;transition:color .14s;
}
.nav-toggle:hover{color:var(--ink)}
.nav-toggle svg{width:13px;height:13px;stroke:var(--muted-2);flex:none;transition:transform .2s ease}
.nav-toggle[aria-expanded="true"]{color:var(--ink)}
.nav-toggle[aria-expanded="true"] svg{transform:rotate(180deg)}
/* The old three-bar icon morph is gone; a chevron reads as a dropdown, which
   is what this now is on desktop. Both label spans stay for the mobile case. */
.nav-toggle .bar{display:none}
.nav-label-close{display:none}
.nav-toggle[aria-expanded="true"] .nav-label-open{display:none}
.nav-toggle[aria-expanded="true"] .nav-label-close{display:inline}

.nav-group{display:none}

/* Open state, all widths: the nav becomes a panel listing all twelve. */
.nav.open{
  position:absolute;top:100%;right:22px;left:auto;z-index:60;width:300px;
  display:flex;flex-direction:column;align-items:stretch;gap:1px;margin:0;
  padding:10px;background:var(--white);border:1px solid var(--line);
  border-top:0;box-shadow:0 18px 40px -22px rgba(20,32,43,.35);
  max-height:calc(100vh - 90px);overflow-y:auto;-webkit-overflow-scrolling:touch;
}
.nav.open a,
.nav.open a[data-sec]:not([aria-current="page"]){
  display:block;padding:10px 12px;font-size:.92rem;color:var(--ink);font-weight:500;
  border-bottom:0;border-radius:var(--r);
}
.nav.open a:hover{background:var(--tint-2)}
.nav.open a[aria-current="page"]{background:var(--tint);color:var(--franklin-deep)}
.nav.open .nav-group{
  display:block;font-family:var(--mono);font-weight:500;font-size:.64rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--muted-2);padding:13px 12px 5px;
}
.nav.open .nav-group:first-child{padding-top:4px}
.nav-scrim{
  position:fixed;inset:0;z-index:40;background:rgba(20,32,43,.22);
  opacity:0;pointer-events:none;transition:opacity .18s ease;
}
.nav-scrim.open{opacity:1;pointer-events:auto}

@media (max-width:980px){
  .head-in{gap:12px;padding:12px 16px}
  .nav a{display:none}
  .head-phone{display:none}
  .nav-toggle{border-left:0;padding-left:0}
  .nav.open{left:0;right:0;width:auto;padding:10px 12px 14px;border-left:0;border-right:0}
}
@media (max-width:400px){
  .brand img{height:32px}
  .btn-apply{padding:10px 15px;font-size:.83rem}
}

/* ---------- loan officer identity bar ---------- */
.officer{background:var(--tint);border-bottom:1px solid var(--line)}
.officer-in{max-width:1080px;margin:0 auto;padding:14px 22px;display:flex;align-items:center;gap:16px}
.officer-photo{
  width:46px;height:46px;border-radius:50%;object-fit:cover;flex:none;
  border:1px solid #DED9CF;background:var(--tint-2);
}
.officer-id{min-width:0;line-height:1.35;display:flex;flex-direction:column;gap:2px}
.officer-id b{
  display:block;font-family:var(--sans);font-weight:700;font-size:1.05rem;
  letter-spacing:-.01em;color:var(--ink);
}
.officer-id span{
  display:block;font-family:var(--mono);font-size:.7rem;letter-spacing:.05em;
  text-transform:uppercase;color:var(--muted-2);
}
.officer-contact{margin-left:auto;display:flex;align-items:center;gap:9px;flex:none}
.officer-contact a{
  display:inline-flex;align-items:center;gap:7px;padding:9px 16px;border-radius:var(--r);
  font-size:.85rem;font-weight:500;text-decoration:none;white-space:nowrap;
  background:var(--white);border:1px solid #DED9CF;color:var(--ink);transition:border-color .14s;
}
.officer-contact a:hover{border-color:var(--franklin);color:var(--franklin-deep)}
.officer-contact svg{width:15px;height:15px;flex:none;stroke:var(--franklin)}
.oc-mail svg{stroke:var(--muted-2)}
.oc-short{display:none}
@media (max-width:720px){
  .officer-in{padding:11px 16px;gap:12px}
  .officer-photo{width:42px;height:42px}
  .officer-id{flex:1 1 auto;min-width:0}
  .officer-id b{font-size:.95rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .officer-id span{font-size:.65rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .officer-contact{gap:7px}
  .officer-contact a{padding:9px 13px;font-size:.82rem}
}
@media (max-width:560px){
  .oc-full{display:none}
  .oc-mail{padding:9px 11px}
  .oc-mail svg{width:17px;height:17px}
}

/* ---------- typography ---------- */
.eyebrow{
  font-family:var(--mono);font-weight:500;font-size:.72rem;letter-spacing:.18em;
  text-transform:uppercase;color:var(--franklin);margin:0 0 14px;display:block;
}
.eyebrow::before{content:none}
h1{
  font-family:var(--sans);font-weight:700;letter-spacing:-.025em;line-height:1.05;
  font-size:clamp(2.1rem,4.6vw,3.4rem);margin:0 0 16px;color:var(--ink);text-wrap:pretty;
}
h1 em{font-style:normal;color:var(--franklin)}
.lede{max-width:60ch;margin:0;color:var(--muted);font-size:1.05rem;line-height:1.65;text-wrap:pretty}
.lede strong{color:var(--ink);font-weight:600}

/* ---------- page hero: headline column + trust facts panel ---------- */
.hero-grid{display:grid;grid-template-columns:1.35fr .85fr;gap:60px;align-items:end;
  padding-bottom:36px;border-bottom:1px solid var(--line)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:30px}}
.hero-facts{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);
  border:1px solid var(--line)}
.hero-facts div{background:var(--paper);padding:18px 18px 16px}
.hero-facts b{display:block;font-family:var(--sans);font-weight:700;font-size:1.85rem;
  letter-spacing:-.03em;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1}
.hero-facts span{display:block;margin-top:6px;font-family:var(--mono);font-size:.64rem;
  letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2);line-height:1.55}
.hero-priv{margin:16px 0 0;font-family:var(--mono);font-size:.74rem;letter-spacing:.04em;color:var(--muted-2)}
.sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin:44px 0 20px}
.sec-head span{font-family:var(--mono);font-size:.68rem;letter-spacing:.16em;
  text-transform:uppercase;color:var(--muted-2)}
.sec-head a{font-size:.85rem;font-weight:500;color:var(--franklin);text-decoration:none}
.sec-head a:hover{color:var(--franklin-deep)}

/* ---------- calculator shell ---------- */
.calc{
  margin-top:32px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);
  box-shadow:none;overflow:hidden;
}
/* The 1px gap between the two columns IS the rule — the shell's own background
   shows through, so no divider borders are needed at any breakpoint. */
.grid{display:grid;grid-template-columns:1.1fr 1fr;gap:1px}
@media (max-width:900px){.grid{grid-template-columns:1fr}}

.controls{padding:34px 34px 30px;background:var(--white)}
.controls-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:8px}
.controls-head h2{font-family:var(--sans);font-weight:700;font-size:1.2rem;margin:0;letter-spacing:-.02em}
.reset{
  background:none;border:none;color:var(--muted-2);font-family:var(--mono);font-size:.68rem;
  letter-spacing:.1em;text-transform:uppercase;cursor:pointer;padding:4px 0;
  display:inline-flex;align-items:center;gap:5px;
}
.reset:hover{color:var(--franklin)}
.reset svg{width:12px;height:12px;stroke:currentColor}
.intro{margin:0 0 24px;color:var(--muted);font-size:.92rem;max-width:48ch;line-height:1.6}

.field{padding:20px 0;border-top:1px solid var(--rule)}
.field:first-of-type{border-top:none;padding-top:4px}
.field-top{display:flex;align-items:baseline;justify-content:space-between;gap:14px;margin-bottom:13px}
.field-top label{font-weight:500;font-size:.94rem;color:var(--ink)}
.field-val{
  font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;
  font-size:1.05rem;color:var(--ink);white-space:nowrap;
}
.help{margin:11px 0 0;font-size:.79rem;color:var(--muted-2);line-height:1.5}
.field-input{
  font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;
  font-size:1.05rem;color:var(--ink);text-align:right;
  width:8.5em;max-width:52vw;padding:4px 8px;border:1px solid transparent;border-radius:var(--r);
  background:transparent;transition:border-color .14s,background .14s;
}
.field-input:hover{border-color:var(--line);background:var(--tint-2)}
.field-input:focus{outline:none;border-color:var(--franklin);background:#fff;
  box-shadow:0 0 0 2px rgba(21,107,182,.16)}
.field-input::-webkit-outer-spin-button,.field-input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}

/* callout note */
.note{
  margin:14px 0 0;padding:14px 16px;border-radius:0;background:var(--tint-2);
  border:0;border-left:2px solid var(--franklin);
  font-size:.8rem;line-height:1.55;color:var(--muted);
}
.note b{
  display:block;font-family:var(--mono);font-weight:500;font-size:.66rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--franklin);margin-bottom:5px;
}
.note .ratio{color:var(--ink);font-weight:600}

/* segmented control — hairline grid, not a pill group */
.seg-label{font-weight:500;font-size:.94rem;margin-bottom:11px;display:block;color:var(--ink)}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);padding:0;border-radius:var(--r);overflow:hidden}
.seg-2{grid-template-columns:repeat(2,1fr)}
.seg-4{grid-template-columns:repeat(4,1fr)}
.seg-4 button{padding:11px 3px;font-size:.8rem}
@media (max-width:360px){.seg-4 button{font-size:.72rem;letter-spacing:-.02em}}
.seg button{
  font-family:var(--sans);font-weight:500;font-size:.85rem;padding:11px 6px;border:none;
  border-radius:0;background:var(--white);color:var(--muted);cursor:pointer;
  transition:background .14s,color .14s;line-height:1.25;
}
.seg button:hover{background:var(--tint-2);color:var(--ink)}
.seg button[aria-pressed="true"]{background:var(--franklin);color:#fff;font-weight:600;box-shadow:none}
.seg button:focus-visible{outline:none;box-shadow:inset 0 0 0 2px rgba(21,107,182,.45)}

/* sliders */
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:0;
  outline:none;cursor:pointer;margin:8px 0;--pct:50%;
  background:linear-gradient(90deg,var(--franklin) 0%,var(--franklin) var(--pct),var(--line) var(--pct),var(--line) 100%);
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--white);
  border:2px solid var(--franklin);cursor:grab;box-shadow:none;transition:transform .12s ease;
}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.08)}
input[type=range]:active::-webkit-slider-thumb{cursor:grabbing;transform:scale(.96)}
input[type=range]::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;background:var(--white);border:2px solid var(--franklin);cursor:grab;
}
input[type=range]::-moz-range-track{height:4px;border-radius:0;background:transparent}
input[type=range]:focus-visible{box-shadow:0 0 0 3px rgba(21,107,182,.2)}
.scale{display:flex;justify-content:space-between;margin-top:8px;font-family:var(--mono);
  font-size:.66rem;color:var(--muted-2);font-variant-numeric:tabular-nums}

/* collapsible disclosure */
.disc-toggle{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:13px 15px;
  border-radius:var(--r);cursor:pointer;text-align:left;background:var(--tint-2);
  border:1px solid var(--line);color:var(--ink);font-family:var(--sans);font-weight:600;font-size:.9rem;
  transition:background .14s ease,border-color .14s ease;
}
.disc-toggle:hover{background:var(--tint);border-color:#D3CCBD}
.disc-toggle:focus-visible{outline:none;box-shadow:0 0 0 2px rgba(21,107,182,.3)}
.disc-toggle .lead{display:flex;align-items:center;gap:9px;min-width:0}
.disc-toggle .chev{width:14px;height:14px;stroke:var(--muted-2);flex:none;transition:transform .2s ease}
.disc-toggle[aria-expanded="true"] .chev{transform:rotate(180deg)}
.disc-toggle[aria-expanded="true"]{background:var(--tint)}
.disc-chip{
  font-family:var(--mono);font-weight:500;font-size:.72rem;font-variant-numeric:tabular-nums;
  background:var(--franklin);color:#fff;padding:3px 8px;border-radius:var(--r);white-space:nowrap;
}
.disc-chip[hidden]{display:none}
.disc-panel{display:none;padding-top:20px}
.disc-panel.open{display:block}

/* ---------- credit card rows (blended rate) ---------- */
.cardrow{background:var(--tint-2);border:1px solid var(--line);border-radius:var(--r);padding:14px;margin-bottom:9px}
.cardrow-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:9px}
.cardrow-type{
  font-family:var(--sans);font-weight:600;font-size:.82rem;color:var(--ink);
  background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:7px 9px;cursor:pointer;
}
.cardrow-type:focus{outline:none;border-color:var(--franklin);box-shadow:0 0 0 2px rgba(21,107,182,.16)}
.cardrow-x{background:none;border:none;color:var(--muted-2);font-family:var(--mono);font-size:.68rem;
  letter-spacing:.08em;text-transform:uppercase;cursor:pointer;padding:3px 6px;border-radius:var(--r)}
.cardrow-x:hover{color:#9C4A3F}
.cardrow-grid{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:9px}
@media (max-width:520px){.cardrow-grid{grid-template-columns:1fr 1fr;gap:8px}
  .cardrow-grid label:last-child{grid-column:1/-1}}
.cardrow-grid label{display:block;font-family:var(--mono);font-size:.64rem;font-weight:500;
  color:var(--muted-2);text-transform:uppercase;letter-spacing:.1em}
.cardrow-grid input{
  display:block;width:100%;margin-top:5px;padding:9px 10px;border:1px solid var(--line);border-radius:var(--r);
  font-family:var(--mono);font-weight:500;font-size:.9rem;font-variant-numeric:tabular-nums;
  color:var(--ink);background:#fff;transition:border-color .14s,box-shadow .14s;
}
.cardrow-grid input:focus{outline:none;border-color:var(--franklin);box-shadow:0 0 0 2px rgba(21,107,182,.16)}
.cards-empty{margin:0;padding:15px;text-align:center;font-size:.83rem;color:var(--muted-2);
  background:var(--tint-2);border:1px solid var(--line);border-radius:var(--r)}
.addcard{
  width:100%;margin-top:4px;padding:12px;border-radius:var(--r);cursor:pointer;
  background:var(--white);border:1px solid var(--line);color:var(--franklin-deep);
  font-family:var(--sans);font-weight:600;font-size:.86rem;transition:all .14s ease;
}
.addcard:hover{background:var(--tint-2);border-color:var(--franklin)}
.addcard:focus-visible{outline:none;box-shadow:0 0 0 2px rgba(21,107,182,.3)}

/* ---------- option comparison (blended rate) ---------- */
.opts{position:relative;z-index:1;margin:24px 0 0;display:grid;gap:1px;background:rgba(255,255,255,.16)}
.opt{padding:15px 16px;background:#0B3255;border:0;transition:background .2s ease}
.opt.win{background:#12456F}
.opt-head{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:7px}
.opt-name{font-family:var(--sans);font-weight:600;font-size:.9rem;color:#fff}
.opt.win .opt-name::after{content:"Lower payment";margin-left:9px;font-family:var(--mono);font-size:.62rem;
  font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#0B3255;background:#7FB3E0;
  padding:3px 7px;border-radius:var(--r)}
.opt-pmt{font-family:var(--mono);font-weight:600;font-size:1.2rem;color:#fff;
  font-variant-numeric:tabular-nums;white-space:nowrap}
.opt-sub{display:flex;justify-content:space-between;gap:10px;font-size:.79rem;color:#9FC0DC}
.opt-sub b{color:#D3E5F5;font-weight:500;font-family:var(--mono);font-variant-numeric:tabular-nums}

/* ---------- result panel ---------- */
.result{
  position:relative;color:#EAF3FB;padding:38px 34px 34px;overflow:hidden;background:var(--navy);
}
.peaks{display:none}
.result-label{
  font-family:var(--mono);font-weight:500;font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;
  color:var(--sky-2);margin:0 0 10px;position:relative;z-index:1;
}
.bignum{
  font-family:var(--sans);font-weight:700;font-variant-numeric:tabular-nums;letter-spacing:-.03em;
  font-size:clamp(2.6rem,5.8vw,3.6rem);line-height:1;color:#fff;margin:0;position:relative;z-index:1;
}
.bigsub{position:relative;z-index:1;margin:10px 0 0;font-size:.88rem;color:#B9D4EC;font-weight:400;line-height:1.55}
.bigsub b{color:#fff;font-weight:600;font-variant-numeric:tabular-nums}

.breakdown{position:relative;z-index:1;margin:26px 0 0}
.row{display:flex;align-items:baseline;justify-content:space-between;gap:14px;padding:13px 0;
  border-top:1px solid rgba(255,255,255,.12);border-bottom:0}
.row:first-child{border-top-color:rgba(255,255,255,.28)}
.row span{font-size:.87rem;color:#BCD5EC}
.row b{font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;font-size:.95rem;color:#fff}
.row.sub{display:none;padding:10px 0;border-top:1px dashed rgba(255,255,255,.13)}
.row.sub.show{display:flex}
.row.sub span{font-size:.8rem;color:#8FB2D2;padding-left:12px;position:relative}
.row.sub span::before{content:"";position:absolute;left:0;top:8px;width:4px;height:1px;background:var(--sky)}
.row.sub b{font-size:.86rem;color:#D3E5F5}
.row.hi{border-top-color:rgba(255,255,255,.3);border-bottom:1px solid rgba(255,255,255,.16)}
.row.hi span{color:#FFE3AE;font-weight:600}
.row.hi b{color:#FFD98A}

/* alerts */
.alerts{position:relative;z-index:1;margin-top:20px;display:grid;gap:9px}
.alert{
  display:none;gap:10px;padding:13px 15px;border-radius:0;font-size:.82rem;line-height:1.55;
  background:rgba(255,217,138,.09);border:0;border-left:2px solid #FFD98A;color:#FFE9C4;
}
.alert.show{display:flex}
.alert svg{width:16px;height:16px;stroke:#FFD98A;flex:none;margin-top:2px}
.alert b{color:#fff;font-weight:600}
/* Same amber signal, inverted for the white controls column. */
.controls .alert{background:var(--gold-tint);border-left-color:var(--gold);color:#5E4410}
.controls .alert svg{stroke:var(--gold)}
.controls .alert b{color:#3D2C08}

/* in-panel CTA */
.cta{
  position:relative;z-index:1;display:flex;align-items:center;justify-content:center;gap:9px;margin-top:26px;
  width:100%;padding:16px 20px;border-radius:var(--r);text-decoration:none;font-family:var(--sans);
  font-weight:600;font-size:1rem;color:#0B3255;background:#fff;box-shadow:none;transition:background .14s;
}
.cta:hover{background:#EAF3FB}
.cta svg{width:16px;height:16px;stroke:var(--franklin);transition:transform .14s ease}
.cta:hover svg{transform:translateX(3px)}
.cta-sec{
  position:relative;z-index:1;display:block;text-align:center;margin-top:12px;font-size:.84rem;font-weight:500;
  color:#BCD5EC;text-decoration:none;padding:8px;border-radius:var(--r);
}
.cta-sec:hover{color:#fff}
.cta-note{position:relative;z-index:1;text-align:center;margin:12px 0 0;font-size:.75rem;color:#93B4D2;line-height:1.6}

/* ---------- realtor co-branding bar (Prop 19) ---------- */
.cobrand{background:var(--tint-2);border-bottom:1px solid var(--line)}
.cobrand-in{max-width:1080px;margin:0 auto;padding:12px 22px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.cobrand-tag{font-family:var(--mono);font-weight:500;font-size:.62rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--franklin);background:none;border:0;padding:0;flex:none}
.cobrand-id{min-width:0;line-height:1.35}
.cobrand-id b{display:block;font-family:var(--sans);font-weight:600;font-size:.98rem;color:var(--ink)}
.cobrand-id span{display:block;font-size:.76rem;color:var(--muted-2)}
.cobrand-call{margin-left:auto;font-weight:500;font-size:.85rem;color:var(--ink);
  text-decoration:none;padding:9px 15px;border-radius:var(--r);background:#fff;
  border:1px solid #DED9CF;white-space:nowrap}
.cobrand-call:hover{border-color:var(--franklin);color:var(--franklin-deep)}
@media (max-width:640px){.cobrand-in{padding:10px 16px;gap:10px}.cobrand-call{margin-left:0;width:100%;text-align:center}}

/* ---------- assessed value comparison bars (Prop 19) ---------- */
.vs{position:relative;z-index:1;margin:26px 0 0}
.vs-row{margin-bottom:14px}
.vs-row:last-child{margin-bottom:0}
.vs-top{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:7px}
.vs-top span{font-size:.81rem;color:#9FC0DC}
.vs-top b{font-family:var(--mono);font-weight:500;font-size:.92rem;color:#fff;font-variant-numeric:tabular-nums}
.vs-track{height:14px;border-radius:0;background:rgba(255,255,255,.09);overflow:hidden}
.vs-fill{height:100%;border-radius:0;transition:width .4s ease}
.vs-good{background:var(--sky)}
.vs-bad{background:#8A5A5A}

/* ---------- date input row (refinance) ---------- */
.daterow{display:grid;grid-template-columns:1.4fr 1fr;gap:9px}
.daterow select,.daterow input{
  width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r);background:#fff;
  font-family:var(--sans);font-weight:500;font-size:.94rem;color:var(--ink);
  font-variant-numeric:tabular-nums;transition:border-color .14s,box-shadow .14s;
}
.daterow select:focus,.daterow input:focus{outline:none;border-color:var(--franklin);
  box-shadow:0 0 0 2px rgba(21,107,182,.16)}
.termout{
  margin:14px 0 0;padding:12px 15px;border-radius:0;background:var(--tint-2);
  border:0;border-left:2px solid var(--franklin);font-size:.85rem;color:var(--ink);font-weight:500;
}
.termout span{color:var(--muted);font-weight:400}

/* ---------- shared gauge extras (refi + DSCR) ---------- */
.vs-mid{background:#C8932F}
.gauge-wrap{position:relative}
.gmk{position:absolute;top:-5px;bottom:-5px;width:1px;background:rgba(255,255,255,.6);z-index:2}
.gmk::after{content:attr(data-l);position:absolute;top:-16px;left:50%;transform:translateX(-50%);
  font-family:var(--mono);font-size:.6rem;font-weight:500;letter-spacing:.06em;color:#C6DCEF;white-space:nowrap}
.dv{display:inline-block;margin-top:12px;padding:5px 11px;border-radius:var(--r);
  font-family:var(--mono);font-weight:500;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase}
.dv-good{background:rgba(127,179,224,.18);color:#9FD0F5;border:1px solid rgba(127,179,224,.4)}
.dv-mid{background:rgba(224,177,94,.16);color:#F0CF95;border:1px solid rgba(224,177,94,.38)}
.dv-bad{background:rgba(190,120,110,.16);color:#E8B6AE;border:1px solid rgba(190,120,110,.4)}

/* ---------- stepped flow (Prop 19, move-up) ---------- */
.step{margin-top:52px;padding-top:36px;border-top:1px solid var(--line)}
.step:first-of-type{margin-top:34px}
.step-mark{
  display:inline-flex;align-items:center;gap:9px;font-family:var(--mono);font-weight:500;
  font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--franklin);
  background:none;border:0;padding:0;margin-bottom:14px;
}
.step-mark em{font-style:normal;color:var(--muted-2);letter-spacing:.1em}
.step-title{
  font-family:var(--sans);font-weight:700;letter-spacing:-.025em;line-height:1.1;
  font-size:clamp(1.6rem,3vw,2.1rem);margin:0 0 12px;color:var(--ink);
}
.step-lede{margin:0 0 4px;color:var(--muted);font-size:1rem;line-height:1.65;max-width:66ch}
.carry{
  display:inline-flex;align-items:center;gap:8px;margin-top:16px;padding:10px 14px;border-radius:0;
  background:var(--tint-2);border:0;border-left:2px solid var(--line);font-size:.8rem;color:var(--muted);
  flex-wrap:wrap;line-height:1.5;max-width:100%;
}
.carry b{font-family:var(--mono);font-weight:500;color:var(--ink);font-variant-numeric:tabular-nums}

/* summary cards */
.sum-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin:0 0 24px;
  background:rgba(255,255,255,.16);position:relative;z-index:1}
@media (max-width:720px){.sum-cards{grid-template-columns:1fr}}
.sum-card{padding:17px 18px;border-radius:0;background:#0B3255;border:0}
.sum-card span{display:block;font-family:var(--mono);font-size:.66rem;letter-spacing:.1em;
  text-transform:uppercase;color:#9FC0DC;margin-bottom:7px}
.sum-card b{
  display:block;font-family:var(--sans);font-weight:700;font-size:1.5rem;color:#fff;
  font-variant-numeric:tabular-nums;letter-spacing:-.02em;line-height:1.1;
}
.sum-card em{display:block;font-style:normal;font-size:.73rem;color:#8FB2D2;margin-top:5px}

/* ---------- educational content blocks ---------- */
.edu{margin-top:56px;padding-top:36px;border-top:1px solid var(--line)}
.edu h2{font-family:var(--sans);font-weight:700;font-size:1.7rem;letter-spacing:-.025em;
  margin:0 0 14px;color:var(--ink)}
.edu h3{font-family:var(--sans);font-weight:600;font-size:1.05rem;margin:0 0 7px;color:var(--ink)}
.edu p{margin:0 0 16px;color:var(--muted);font-size:.97rem;line-height:1.7;max-width:70ch}
.edu p strong{color:var(--ink);font-weight:600}
.edu-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);margin:24px 0 8px}
@media (max-width:820px){.edu-grid{grid-template-columns:1fr}}
.edu-card{background:var(--white);border:0;border-radius:0;padding:24px;box-shadow:none}
.edu-card p{font-size:.88rem;margin:0}
.edu-num{display:block;font-family:var(--mono);font-weight:500;font-size:.7rem;letter-spacing:.14em;
  color:var(--franklin);background:none;width:auto;height:auto;margin-bottom:12px}
.edu-note{margin:22px 0 0;padding:16px 18px;border-radius:0;background:var(--tint-2);
  border:0;border-left:2px solid var(--franklin)}
.edu-note b{display:block;font-family:var(--mono);font-weight:500;font-size:.66rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--franklin);margin-bottom:6px}
.edu-note p{margin:0;font-size:.88rem}
.faq{margin-top:16px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{padding:18px 0;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:.98rem;
  color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--mono);font-size:1.1rem;font-weight:400;
  color:var(--muted-2);flex:none;line-height:1}
.faq details[open] summary::after{content:"\2212";color:var(--franklin)}
.faq summary:hover{color:var(--franklin-deep)}
.faq details p{margin:0 0 18px;font-size:.92rem;color:var(--muted);line-height:1.7;max-width:70ch}

/* ---------- notices / footer ---------- */
.cpa{
  margin:24px 0 0;padding:15px 17px;border-radius:0;background:var(--gold-tint);
  border:0;border-left:2px solid var(--gold);font-size:.83rem;line-height:1.6;color:#6B5426;
}
.cpa b{
  display:block;font-family:var(--mono);font-weight:500;font-size:.66rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--gold);margin-bottom:5px;
}
.fineprint{margin:20px 0 0;font-size:.75rem;line-height:1.7;color:var(--muted-2);max-width:88ch}
.fineprint strong{color:var(--muted);font-weight:600}

.site-foot{margin-top:64px;border-top:1px solid var(--line);background:var(--tint)}
.foot-in{max-width:1080px;margin:0 auto;padding:32px 22px 40px;text-align:left}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:flex-start;margin:0 0 18px}
.foot-links a{font-size:.86rem;font-weight:500;color:var(--ink);text-decoration:none}
.foot-links a:hover{color:var(--franklin);text-decoration:none}
.foot-alt{margin-top:12px;padding-top:14px;border-top:1px solid var(--line)}
.foot-alt a{font-size:.82rem;color:var(--muted);font-weight:500}
.foot-alt a:hover{color:var(--franklin-deep)}
.foot-legal{margin:0;font-size:.72rem;line-height:1.75;color:var(--muted-2);max-width:88ch}
.foot-legal a{color:var(--franklin);text-decoration:none}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .controls{padding:28px 22px 24px}
  .result{padding:30px 24px 28px}
}
@media (max-width:430px){
  .eyebrow{font-size:.66rem;letter-spacing:.14em}
  .seg button{font-size:.78rem;padding:10px 4px}
}
@media (max-width:370px){
  .wrap{padding:0 14px}
  .controls{padding:22px 17px 18px}
  .result{padding:26px 18px 24px}
}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:.01ms !important;transition-duration:.01ms !important}
  html{scroll-behavior:auto}
}

/* --------------------------------------------------------------------------
   About the officer — foot of the hub and every calculator.
   Rendered by officers.js from the `bio` on each officer record, so the copy
   lives in one file and each officer gets their own. Officers without a bio
   have the whole section removed.
   -------------------------------------------------------------------------- */
.about{border-top:1px solid var(--line);background:var(--tint-2);padding:52px 0 56px;margin-top:8px}
.ab-in{display:grid;grid-template-columns:210px 1fr;gap:44px;align-items:start}
.ab-side{position:sticky;top:24px}
.ab-photo{width:132px;height:132px;border-radius:50%;object-fit:cover;display:block;
  border:1px solid var(--line);background:var(--white)}
.ab-name{font-family:var(--sans);font-weight:700;font-size:1.06rem;color:var(--ink);margin:18px 0 4px}
.ab-role{font-size:.82rem;line-height:1.55;color:var(--muted);margin:0 0 16px}
.ab-contact{display:flex;flex-direction:column;gap:7px}
.ab-contact a{font-family:var(--mono);font-size:.78rem;color:var(--franklin-deep);
  text-decoration:none;border-bottom:1px solid var(--line);padding-bottom:5px;
  overflow:hidden;text-overflow:ellipsis}
.ab-contact a:hover{color:var(--franklin);border-color:var(--franklin)}

.ab-body h2{font-family:var(--sans);font-weight:700;letter-spacing:-.02em;
  font-size:clamp(1.32rem,2.8vw,1.72rem);line-height:1.2;color:var(--ink);margin:8px 0 22px}
.ab-chips{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));
  gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:24px}
.ab-chip{padding:16px 20px 16px 0;border-right:1px solid var(--rule)}
.ab-chip:last-child{border-right:0}
.ab-chip b{display:block;font-family:var(--mono);font-weight:500;font-size:.68rem;
  letter-spacing:.12em;text-transform:uppercase;color:var(--franklin);margin-bottom:7px}
.ab-chip span{display:block;font-size:.85rem;line-height:1.5;color:var(--muted)}
.ab-text p{font-size:.95rem;line-height:1.72;color:var(--muted);margin:0 0 15px;max-width:68ch}
.ab-text p:last-child{margin-bottom:0}
.ab-links{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:24px;
  padding-top:20px;border-top:1px solid var(--line)}
.ab-links a{display:inline-flex;align-items:center;gap:8px;text-decoration:none;
  font-family:var(--sans);font-weight:600;font-size:.87rem;color:var(--franklin-deep);
  transition:gap .18s}
.ab-links a:hover{gap:12px;color:var(--franklin)}
.ab-links svg{width:15px;height:15px}

@media (max-width:820px){
  .ab-in{grid-template-columns:1fr;gap:26px}
  .ab-side{position:static;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
  .ab-photo{width:76px;height:76px}
  .ab-name{margin:0 0 3px}
  .ab-role{margin:0}
  .ab-contact{flex-direction:row;flex-wrap:wrap;gap:8px 18px;width:100%}
  .ab-contact a{border-bottom:0;padding-bottom:0}
  .ab-chip{border-right:0;border-bottom:1px solid var(--rule);padding:14px 0}
  .ab-chip:last-child{border-bottom:0}
}
@media (max-width:560px){
  .about{padding:40px 0 44px}
  .ab-chips{grid-template-columns:1fr}
  /* Tighten the hero on phones so it doesn't take the whole first screen. */
  h1{font-size:1.65rem;letter-spacing:-.01em;line-height:1.14}
  .lede{font-size:.96rem;line-height:1.55}
  .lede-cta{font-size:.96rem;margin-top:12px}
  .hero-assure{margin-top:16px}
}


/* ============================================================
   Co-branded build nav override (ported from the partner build).
   The builder emits every tool as a flat link and the templates ship a
   mobile toggle + nav.js; these rules make the row wrap on desktop and
   collapse to the panel on mobile, on top of the Ledger design above.
   ============================================================ */
.nav{display:flex;align-items:center;gap:1px;margin-left:6px;flex-wrap:wrap}
.nav a{
  font-size:.84rem;font-weight:500;color:var(--muted);text-decoration:none;
  padding:8px 9px;border-radius:9px;white-space:nowrap;transition:background .14s,color .14s;
}

.nav a:hover{color:var(--franklin-deep);background:var(--tint)}
.nav a[aria-current="page"]{color:var(--franklin-deep);font-weight:600;background:var(--tint)}
.head-cta{display:flex;align-items:center;gap:10px;margin-left:auto;flex:none}
.head-phone{
  font-weight:600;font-size:.88rem;color:var(--franklin-deep);text-decoration:none;
  display:inline-flex;align-items:center;gap:7px;padding:8px 12px;border-radius:999px;white-space:nowrap;
}
.head-phone:hover{background:var(--tint)}
.head-phone svg{width:14px;height:14px;stroke:var(--franklin);flex:none}
/* The officer bar directly below already carries a call button, so the header
   phone is redundant — hiding it keeps six nav items on a single row. */
.head-in .head-phone{display:none}
.btn-apply{
  font-family:'Figtree',sans-serif;font-weight:700;font-size:.88rem;color:#fff;text-decoration:none;
  padding:10px 18px;border-radius:999px;white-space:nowrap;
  background:linear-gradient(180deg,var(--franklin) 0%,var(--franklin-deep) 100%);
  box-shadow:0 6px 16px -6px rgba(21,107,182,.65);transition:transform .14s,box-shadow .14s;
}
.btn-apply:hover{transform:translateY(-1px);box-shadow:0 10px 20px -8px rgba(21,107,182,.75)}
/* ---------- mobile menu button (hidden on desktop) ---------- */
.nav-toggle{
  display:none;align-items:center;gap:8px;cursor:pointer;
  font-family:'Figtree',sans-serif;font-weight:700;font-size:.86rem;
  color:var(--franklin-deep);background:var(--tint);border:1px solid #D5E6F4;
  padding:9px 14px;border-radius:999px;white-space:nowrap;
  transition:background .14s,border-color .14s;
}
.nav-toggle:hover{background:#E3EFF9;border-color:var(--sky)}
.nav-toggle svg{width:16px;height:16px;stroke:var(--franklin);flex:none}
/* Bars morph into an X when the panel is open. */
.nav-toggle .bar{transition:transform .2s ease,opacity .15s ease;transform-origin:center}
.nav-toggle[aria-expanded="true"] .bar-t{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .bar-m{opacity:0}
.nav-toggle[aria-expanded="true"] .bar-b{transform:translateY(-6px) rotate(-45deg)}
.nav-label-close{display:none}
.nav-toggle[aria-expanded="true"] .nav-label-open{display:none}
.nav-toggle[aria-expanded="true"] .nav-label-close{display:inline}

/* Grouping labels inside the panel — invisible until the panel exists. */
.nav-group{display:none}

@media (max-width:980px){
  /* One row: brand | menu | Apply. The nav becomes a panel underneath, which
     takes the header from ~136px of wrapped rows down to a single bar. */
  .head-in{flex-wrap:nowrap;gap:10px;padding:11px 16px}
  .nav-toggle{display:inline-flex}
  .head-cta{margin-left:auto;gap:8px}
  .head-phone{display:none}

  .nav{
    position:absolute;top:100%;left:0;right:0;z-index:60;
    display:none;flex-direction:column;align-items:stretch;gap:2px;margin:0;
    padding:10px 12px 14px;
    background:var(--white);border-top:1px solid var(--line);
    box-shadow:0 22px 40px -20px rgba(11,50,85,.45);
    max-height:calc(100vh - 68px);overflow-y:auto;
    -webkit-overflow-scrolling:touch;
  }
  .nav.open{display:flex}
  .nav a{
    padding:12px 14px;font-size:.94rem;border-radius:10px;width:100%;
    color:var(--ink);font-weight:500;
  }
  .nav a[aria-current="page"]{background:var(--tint);color:var(--franklin-deep)}
  .nav-group{
    display:block;font-family:'Figtree',sans-serif;font-weight:800;
    font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;
    color:var(--muted-2);padding:14px 14px 6px;
  }
  .nav-group:first-child{padding-top:6px}
  /* Scrim behind the open panel so the page reads as inactive. */
  .nav-scrim{
    position:fixed;inset:0;z-index:40;background:rgba(11,50,85,.34);
    opacity:0;pointer-events:none;transition:opacity .18s ease;
  }
  .nav-scrim.open{opacity:1;pointer-events:auto}
}
@media (max-width:400px){
  .brand img{height:34px}
  .btn-apply{padding:9px 14px;font-size:.82rem}
  .nav-toggle{padding:9px 12px}
  /* Below this width the word plus the icon crowds Apply Now. */
  .nav-toggle .nav-label-open,.nav-toggle .nav-label-close{display:none}
  .nav-toggle[aria-expanded="true"] .nav-label-close{display:none}
}