/* ============================================================
   AttendingFi — design system
   Aesthetic: editorial / private-bank-meets-medical-journal
   ============================================================ */

:root{
  --paper:#FAF7F0;
  --paper-2:#F3EEE3;
  --paper-3:#ECE5D6;
  --ink:#13211B;
  --ink-soft:#3C4A43;
  --ink-faint:#6B766F;
  --line:#DCD4C4;
  --line-strong:#C8BEA9;
  --pine:#1C5C46;
  --pine-deep:#13402F;
  --pine-bright:#2E8B68;
  --clay:#A8492A;
  --clay-soft:#C97A4E;
  --gold:#9A7B22;
  --shadow-sm:0 1px 2px rgba(19,33,27,.06);
  --shadow:0 14px 40px -18px rgba(19,33,27,.30);
  --shadow-lg:0 30px 70px -30px rgba(19,33,27,.40);
  --r:14px;
  --r-sm:9px;
  --maxw:1120px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Hanken Grotesk",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--sans);
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  background-image:
    radial-gradient(1200px 600px at 85% -10%, rgba(46,139,104,.07), transparent 60%),
    radial-gradient(900px 500px at -5% 5%, rgba(168,73,42,.045), transparent 55%);
}

/* paper grain */
body::before{
  content:"";position:fixed;inset:0;pointer-events:none;z-index:0;opacity:.5;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.025'/%3E%3C/svg%3E");
}

img{max-width:100%;display:block}
a{color:var(--pine);text-decoration:none}
a:hover{color:var(--pine-deep)}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;position:relative;z-index:1}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-family:var(--serif);font-weight:540;line-height:1.08;letter-spacing:-.01em;color:var(--ink)}
h1{font-size:clamp(2.5rem,5.4vw,4.4rem);font-optical-sizing:auto}
h2{font-size:clamp(1.9rem,3.4vw,2.8rem)}
h3{font-size:1.4rem;line-height:1.2}
.eyebrow{
  font-family:var(--sans);font-weight:700;text-transform:uppercase;
  letter-spacing:.18em;font-size:.72rem;color:var(--pine);
}
.lede{font-size:1.18rem;color:var(--ink-soft);max-width:44ch}
.serif{font-family:var(--serif)}
.muted{color:var(--ink-faint)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5em;cursor:pointer;border:none;
  font-family:var(--sans);font-weight:650;font-size:1rem;
  padding:.85em 1.5em;border-radius:999px;transition:transform .15s,box-shadow .2s,background .2s;
  text-decoration:none;
}
.btn-primary{background:var(--pine);color:#fff;box-shadow:var(--shadow-sm)}
.btn-primary:hover{background:var(--pine-deep);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line-strong)}
.btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn-lg{padding:1.05em 2em;font-size:1.08rem}

/* ---------- Header ---------- */
header.site{
  position:sticky;top:0;z-index:50;
  backdrop-filter:saturate(140%) blur(8px);
  background:rgba(250,247,240,.82);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:.6em;font-family:var(--serif);font-weight:600;font-size:1.35rem;color:var(--ink);letter-spacing:-.02em}
.brand .mark{
  width:32px;height:32px;border-radius:8px;background:var(--pine);
  display:grid;place-items:center;color:#fff;font-family:var(--serif);font-size:1.1rem;font-weight:600;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.15);
}
.brand .mark span{transform:translateY(-1px)}
.nav-links{display:flex;align-items:center;gap:2rem}
.nav-links a{color:var(--ink-soft);font-weight:550;font-size:.97rem}
.nav-links a:hover{color:var(--ink)}
.nav-cta{font-size:.92rem!important;padding:.6em 1.15em}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;font-size:1.6rem;color:var(--ink)}

/* ---------- Hero ---------- */
.hero{padding:clamp(56px,9vw,104px) 0 clamp(40px,6vw,72px);position:relative}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.hero h1{margin:.35em 0 .5em}
.hero h1 em{font-style:italic;color:var(--pine)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-trust{margin-top:34px;display:flex;gap:26px;flex-wrap:wrap;font-size:.86rem;color:var(--ink-faint)}
.hero-trust b{color:var(--ink);font-weight:650}
.hero-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow-lg);padding:8px;
}
.hero-card-inner{border:1px solid var(--line);border-radius:10px;padding:26px 26px 30px;background:linear-gradient(180deg,#fff, var(--paper))}
.timeline-badge{
  display:inline-flex;align-items:center;gap:.5em;background:var(--paper-3);
  color:var(--clay);border:1px solid var(--line-strong);border-radius:999px;
  padding:.4em .9em;font-size:.78rem;font-weight:650;letter-spacing:.02em;
}
.timeline-badge .dot{width:7px;height:7px;border-radius:50%;background:var(--clay);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}

/* ---------- Sections ---------- */
section{position:relative;z-index:1}
.section{padding:clamp(56px,8vw,96px) 0}
.section-head{max-width:60ch;margin-bottom:48px}
.section-head h2{margin:.3em 0 .4em}
.divider{height:1px;background:var(--line);border:0}

/* ---------- Value props ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  padding:30px 26px;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s,border-color .2s;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line-strong)}
.card .ic{
  width:46px;height:46px;border-radius:11px;background:var(--paper-3);
  display:grid;place-items:center;margin-bottom:18px;color:var(--pine);
}
.card h3{margin-bottom:.4em}
.card p{color:var(--ink-soft);font-size:1rem}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{padding:26px 22px;border-left:2px solid var(--line-strong);position:relative}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);font-family:var(--serif);font-size:1.5rem;color:var(--pine);display:block;margin-bottom:.4em}
.step h4{font-size:1.1rem;margin-bottom:.3em}
.step p{font-size:.95rem;color:var(--ink-soft)}

/* ============================================================
   CALCULATOR
   ============================================================ */
.tool{background:var(--ink);color:#EDEAE0;border-radius:22px;padding:clamp(26px,4vw,48px);box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.tool::after{content:"";position:absolute;inset:0;background:radial-gradient(700px 360px at 90% -10%,rgba(46,139,104,.22),transparent 60%);pointer-events:none}
.tool *{position:relative}
.tool h2,.tool h3{color:#fff}
.tool .eyebrow{color:var(--pine-bright)}
.tool-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap;margin-bottom:8px}
.tool-sub{color:#A9B4AD;max-width:54ch;margin-top:6px}

.progress{display:flex;gap:8px;margin:26px 0 30px}
.progress .pip{height:4px;flex:1;background:rgba(255,255,255,.14);border-radius:3px;overflow:hidden}
.progress .pip i{display:block;height:100%;width:0;background:var(--pine-bright);transition:width .4s}
.progress .pip.done i{width:100%}
.progress .pip.active i{width:50%}

.field{margin-bottom:20px}
.field label{display:block;font-weight:650;font-size:.95rem;margin-bottom:7px;color:#EDEAE0}
.field .hint{font-weight:400;color:#97A39C;font-size:.83rem;margin-top:5px}
.field input,.field select{
  width:100%;font-family:var(--sans);font-size:1.02rem;color:#fff;
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);
  border-radius:10px;padding:.78em .9em;transition:border-color .15s,background .15s;
}
.field input:focus,.field select:focus{outline:none;border-color:var(--pine-bright);background:rgba(255,255,255,.1)}
.field select option{color:#13211B}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:#97A39C}
.input-prefix input{padding-left:28px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}

.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{
  flex:1;min-width:130px;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:.95rem;
  padding:.8em 1em;border-radius:10px;background:rgba(255,255,255,.05);
  color:#D7DDD8;border:1px solid rgba(255,255,255,.16);transition:.15s;text-align:left;
}
.seg button small{display:block;font-weight:400;color:#97A39C;font-size:.78rem;margin-top:2px}
.seg button[aria-pressed="true"]{background:var(--pine);border-color:var(--pine-bright);color:#fff}
.seg button[aria-pressed="true"] small{color:rgba(255,255,255,.8)}

.step-panel{display:none;animation:fade .35s ease both}
.step-panel.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.step-nav{display:flex;justify-content:space-between;gap:12px;margin-top:28px;align-items:center}
.step-count{font-size:.85rem;color:#97A39C}

/* results */
.result{display:none}
.result.active{display:block;animation:fade .4s ease both}
.verdict{
  background:linear-gradient(180deg,rgba(46,139,104,.18),rgba(46,139,104,.05));
  border:1px solid rgba(46,139,104,.4);border-radius:16px;padding:28px 26px;margin-bottom:24px;
}
.verdict .tag{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--pine-bright)}
.verdict h3{font-size:1.7rem;margin:.3em 0 .4em;line-height:1.15}
.verdict p{color:#CDD5CF}
.verdict.warn{background:linear-gradient(180deg,rgba(168,73,42,.2),rgba(168,73,42,.05));border-color:rgba(201,122,78,.5)}
.verdict.warn .tag{color:var(--clay-soft)}

.scenarios{display:grid;gap:12px;margin:22px 0}
.scn{
  display:grid;grid-template-columns:1fr auto;gap:6px 16px;align-items:center;
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:16px 18px;
}
.scn.best{border-color:var(--pine-bright);background:rgba(46,139,104,.12)}
.scn .name{font-weight:650;color:#fff;display:flex;align-items:center;gap:.5em}
.scn .pill{font-size:.65rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--pine);color:#fff;padding:.25em .6em;border-radius:999px}
.scn .desc{grid-column:1/2;font-size:.85rem;color:#9DA8A1}
.scn .cost{font-family:var(--serif);font-size:1.5rem;color:#fff;text-align:right;white-space:nowrap}
.scn .cost small{display:block;font-family:var(--sans);font-size:.72rem;color:#9DA8A1;font-weight:400}
.bar-track{grid-column:1/3;height:6px;background:rgba(255,255,255,.08);border-radius:3px;overflow:hidden;margin-top:4px}
.bar-track i{display:block;height:100%;background:rgba(255,255,255,.35);border-radius:3px;transition:width .6s}
.scn.best .bar-track i{background:var(--pine-bright)}

.notes{list-style:none;display:grid;gap:10px;margin:18px 0}
.notes li{display:flex;gap:.7em;font-size:.95rem;color:#CDD5CF;align-items:flex-start}
.notes li::before{content:"";flex:none;width:7px;height:7px;border-radius:2px;background:var(--pine-bright);margin-top:.55em}
.notes li.warn::before{background:var(--clay-soft)}

.result-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}
.disclo{font-size:.78rem;color:#8B968F;margin-top:20px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px;line-height:1.55}
.disclo a{color:#B7C2BB;text-decoration:underline}

.refi-box{background:rgba(255,255,255,.04);border:1px dashed rgba(255,255,255,.22);border-radius:12px;padding:18px 20px;margin-top:18px}
.refi-box h4{color:#fff;font-size:1.05rem;margin-bottom:.3em}
.refi-box p{font-size:.9rem;color:#A9B4AD}
.refi-tag{font-size:.68rem;color:var(--pine-bright);font-weight:700;letter-spacing:.1em;text-transform:uppercase}

/* save / email capture */
.save{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:18px 20px;margin-top:18px;display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.save form{display:flex;gap:10px;flex:1;min-width:240px}
.save input{flex:1}
.save .ok{color:var(--pine-bright);font-weight:650}

/* ---------- FAQ ---------- */
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-family:var(--serif);font-size:1.2rem;display:flex;justify-content:space-between;gap:1em;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--sans);font-size:1.5rem;color:var(--pine);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{padding:0 0 20px;color:var(--ink-soft);max-width:70ch}

/* ---------- CTA band ---------- */
.band{background:var(--pine-deep);color:#EAF0EC;border-radius:22px;padding:clamp(40px,6vw,72px);text-align:center;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 50% -20%,rgba(46,139,104,.4),transparent 60%)}
.band h2,.band *{position:relative}
.band h2{color:#fff;max-width:20ch;margin:.3em auto .5em}
.band p{color:#B9C7BF;max-width:50ch;margin:0 auto 28px}

/* ---------- Footer ---------- */
footer.site{border-top:1px solid var(--line);padding:56px 0 40px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.foot-grid h5{font-family:var(--sans);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.74rem;color:var(--ink-faint);margin-bottom:14px}
.foot-grid a{display:block;color:var(--ink-soft);font-size:.95rem;margin-bottom:9px}
.foot-grid a:hover{color:var(--ink)}
.foot-about p{color:var(--ink-soft);font-size:.92rem;max-width:34ch;margin-top:12px}
.foot-bottom{margin-top:44px;padding-top:24px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.84rem;color:var(--ink-faint)}

/* ---------- Article (guides) ---------- */
.article{max-width:720px;margin:0 auto;padding:clamp(40px,7vw,80px) 0}
.article .eyebrow{margin-bottom:1em}
.article h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:.4em}
.article .meta{color:var(--ink-faint);font-size:.9rem;margin-bottom:2.4em;border-bottom:1px solid var(--line);padding-bottom:1.6em}
.article h2{font-size:1.7rem;margin:1.8em 0 .5em}
.article h3{font-size:1.25rem;margin:1.4em 0 .4em}
.article p,.article li{font-size:1.08rem;color:var(--ink-soft);margin-bottom:1em}
.article ul,.article ol{padding-left:1.3em;margin-bottom:1.4em}
.article li{margin-bottom:.5em}
.article strong{color:var(--ink)}
.callout{background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--pine);border-radius:10px;padding:20px 22px;margin:1.6em 0}
.callout p:last-child{margin-bottom:0}
.article .btn{margin-top:1em}

/* ---------- Legal pages ---------- */
.legal{max-width:760px;margin:0 auto;padding:clamp(40px,6vw,72px) 0}
.legal h2{font-size:1.4rem;margin:1.6em 0 .5em}
.legal p,.legal li{color:var(--ink-soft);margin-bottom:.9em}
.legal ul{padding-left:1.3em}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .cards{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
  .nav-links.open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 28px;gap:14px;align-items:flex-start}
  .nav-toggle{display:block}
}
@media(max-width:560px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .grid-2{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .scn .cost{font-size:1.25rem}
  .hero-actions .btn{width:100%;justify-content:center}
}

/* ============================================================
   v2 — visual upgrade: logo, illustration, preview, compare
   ============================================================ */

/* logo lockup */
.brand .logo-mark{width:36px;height:36px;display:block}
.brand-word{font-family:var(--serif);font-weight:600;font-size:1.35rem;letter-spacing:-.02em;color:var(--ink)}
.brand-word b{color:var(--pine);font-weight:600}

/* free badge */
.price-badge{
  display:inline-flex;align-items:center;gap:.6em;background:#fff;border:1px solid var(--line-strong);
  border-radius:999px;padding:.5em .5em .5em 1em;box-shadow:var(--shadow-sm);font-size:.9rem;font-weight:600;color:var(--ink);
}
.price-badge .free{background:var(--pine);color:#fff;border-radius:999px;padding:.35em .9em;font-weight:700;font-size:.82rem;letter-spacing:.02em}
.price-badge s{color:var(--ink-faint);font-weight:500}

/* hero illustration */
.hero-illus{position:relative}
.hero-illus svg{width:100%;height:auto;display:block;filter:drop-shadow(0 30px 50px rgba(19,33,27,.12))}
.illus-float{
  position:absolute;background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:.7em 1em;box-shadow:var(--shadow);font-size:.84rem;font-weight:600;color:var(--ink);
}
.illus-float .k{color:var(--pine);font-family:var(--serif);font-size:1.1rem;display:block}
.illus-float.tl{top:6%;left:-4%}
.illus-float.br{bottom:8%;right:-2%}
.illus-float.br s{color:var(--ink-faint);font-weight:500}

/* custom feature icons */
.card .ic svg{width:24px;height:24px}
.card .ic{color:var(--pine)}

/* ---------- PREVIEW "screenshot" device ---------- */
.preview-section{padding-top:0}
.device{
  background:#fff;border:1px solid var(--line-strong);border-radius:18px;overflow:hidden;
  box-shadow:var(--shadow-lg);max-width:560px;margin:0 auto;
}
.device-bar{display:flex;align-items:center;gap:.5em;padding:12px 16px;background:var(--paper-2);border-bottom:1px solid var(--line)}
.device-dots{display:flex;gap:6px}
.device-dots i{width:11px;height:11px;border-radius:50%;display:block;background:var(--line-strong)}
.device-dots i:nth-child(1){background:#D98B6F}
.device-dots i:nth-child(2){background:#D9C06F}
.device-dots i:nth-child(3){background:#8FBF9E}
.device-url{flex:1;text-align:center;font-size:.78rem;color:var(--ink-faint);font-family:var(--sans)}
.shot{background:var(--ink);padding:26px 24px 28px;position:relative;overflow:hidden}
.shot::after{content:"";position:absolute;inset:0;background:radial-gradient(420px 220px at 90% -20%,rgba(46,139,104,.22),transparent 60%);pointer-events:none}
.shot>*{position:relative}
.pv-tag{font-size:.66rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--pine-bright);margin-bottom:.5em}
.pv-verdict{background:linear-gradient(180deg,rgba(46,139,104,.2),rgba(46,139,104,.05));border:1px solid rgba(46,139,104,.4);border-radius:13px;padding:18px 18px;margin-bottom:16px}
.pv-verdict h4{color:#fff;font-size:1.25rem;line-height:1.2;margin-bottom:.3em}
.pv-verdict p{color:#CDD5CF;font-size:.86rem;line-height:1.45}
.pv-verdict .hl{color:var(--pine-bright);font-weight:600}
.pv-rows{display:grid;gap:9px}
.pv-row{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:11px;padding:12px 14px}
.pv-row.best{border-color:var(--pine-bright);background:rgba(46,139,104,.12)}
.pv-row .top{display:flex;justify-content:space-between;align-items:baseline;gap:1em}
.pv-row .nm{color:#fff;font-weight:600;font-size:.92rem;display:flex;align-items:center;gap:.5em}
.pv-row .nm .pill{font-size:.58rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--pine);color:#fff;padding:.2em .5em;border-radius:999px}
.pv-row .ct{font-family:var(--serif);font-size:1.2rem;color:#fff;white-space:nowrap}
.pv-row .ct small{font-family:var(--sans);font-size:.66rem;color:#9DA8A1;font-weight:400;display:block;text-align:right}
.pv-track{height:5px;background:rgba(255,255,255,.08);border-radius:3px;margin-top:8px;overflow:hidden}
.pv-track i{display:block;height:100%;background:rgba(255,255,255,.32);border-radius:3px}
.pv-row.best .pv-track i{background:var(--pine-bright)}
.pv-badge{
  position:absolute;top:-18px;right:-10px;background:var(--clay);color:#fff;border-radius:14px;
  padding:.7em 1em;box-shadow:var(--shadow);transform:rotate(4deg);text-align:center;z-index:3;border:2px solid var(--paper);
}
.pv-badge b{display:block;font-family:var(--serif);font-size:1.4rem;line-height:1}
.pv-badge span{font-size:.66rem;letter-spacing:.04em;opacity:.92}
.preview-wrap{position:relative}

/* ---------- compare: free vs paid ---------- */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line-strong);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:#fff}
.compare .col{padding:34px 30px}
.compare .col.them{background:var(--paper-2);border-right:1px solid var(--line)}
.compare .col.us{background:linear-gradient(180deg,#fff,var(--paper))}
.compare .lab{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:.8em}
.compare .col.us .lab{color:var(--pine)}
.compare .price{font-family:var(--serif);font-size:2.6rem;line-height:1;color:var(--ink);margin-bottom:.1em}
.compare .col.us .price{color:var(--pine)}
.compare .price small{font-family:var(--sans);font-size:.9rem;color:var(--ink-faint);font-weight:500}
.compare ul{list-style:none;margin-top:20px;display:grid;gap:11px}
.compare li{font-size:.96rem;color:var(--ink-soft);display:flex;gap:.6em;align-items:flex-start;line-height:1.4}
.compare li svg{flex:none;width:18px;height:18px;margin-top:2px}
.compare .them li svg{color:var(--clay)}
.compare .us li svg{color:var(--pine)}

/* contour background texture */
.contour{position:relative}
.contour::before{
  content:"";position:absolute;inset:0;z-index:0;pointer-events:none;opacity:.5;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='600' height='400'%3E%3Cg fill='none' stroke='%231C5C46' stroke-opacity='.06' stroke-width='1.5'%3E%3Cpath d='M-50,330 C120,300 200,360 360,320 C480,290 560,330 660,300'/%3E%3Cpath d='M-50,290 C120,260 200,320 360,280 C480,250 560,290 660,260'/%3E%3Cpath d='M-50,250 C120,220 200,280 360,240 C480,210 560,250 660,220'/%3E%3Cpath d='M-50,210 C120,180 200,240 360,200 C480,170 560,210 660,180'/%3E%3Cpath d='M-50,170 C120,140 200,200 360,160 C480,130 560,170 660,140'/%3E%3C/g%3E%3C/svg%3E");
  background-size:cover;
}
.contour>*{position:relative;z-index:1}

@media(max-width:900px){
  .compare{grid-template-columns:1fr}
  .compare .col.them{border-right:none;border-bottom:1px solid var(--line)}
  .illus-float.tl{left:2%}
  .illus-float.br{right:2%}
}

/* ============================================================
   v3 — results: verdict stats, interactive chart, next step
   ============================================================ */

/* verdict stat strip */
.vstats{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.vstat{flex:1;min-width:130px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:11px;padding:12px 14px}
.vstat span{display:block;font-size:.72rem;letter-spacing:.04em;text-transform:uppercase;color:#9DA8A1;margin-bottom:4px}
.vstat b{font-family:var(--serif);font-size:1.3rem;color:#fff;font-weight:550}
.vstat b i{font-style:normal;font-family:var(--sans);font-size:.7rem;color:var(--pine-bright);font-weight:600;margin-left:.2em}

/* chart header */
.chart-head{display:flex;justify-content:space-between;align-items:baseline;gap:1em;flex-wrap:wrap;margin:30px 0 14px}
.chart-head h3{font-size:1.3rem;color:#fff}
.chart-hint{font-size:.8rem;color:#97A39C}

/* interactive comparison chart */
.chart{display:grid;gap:10px}
.cbar-row{
  position:relative;display:grid;grid-template-columns:minmax(120px,168px) 1fr auto;align-items:center;gap:16px;
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:14px 16px;
  cursor:default;transition:border-color .2s,background .2s;outline:none;
}
.cbar-row:hover,.cbar-row:focus-visible,.cbar-row.open{border-color:rgba(255,255,255,.3);background:rgba(255,255,255,.07)}
.cbar-row.best{border-color:var(--pine-bright);background:rgba(46,139,104,.12)}
.cbar-name{font-weight:600;font-size:.92rem;color:#EDEAE0;display:flex;align-items:center;gap:.5em;flex-wrap:wrap}
.cbar-name .pill{font-size:.58rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--pine);color:#fff;padding:.2em .55em;border-radius:999px}
.cbar-track{height:13px;background:rgba(255,255,255,.08);border-radius:7px;overflow:hidden}
.cbar-fill{height:100%;border-radius:7px;background:rgba(255,255,255,.32);transition:width .7s cubic-bezier(.22,1,.36,1)}
.cbar-row.best .cbar-fill{background:var(--pine-bright)}
.cbar-cost{font-family:var(--serif);font-size:1.25rem;color:#fff;white-space:nowrap}

/* tooltip */
.cbar-tip{
  position:absolute;left:12px;right:12px;bottom:calc(100% + 8px);z-index:20;
  background:var(--paper);color:var(--ink);border:1px solid var(--line-strong);border-radius:13px;
  padding:16px 18px;box-shadow:var(--shadow-lg);
  opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s;pointer-events:none;
}
.cbar-row:hover .cbar-tip,.cbar-row:focus-visible .cbar-tip,.cbar-row.open .cbar-tip{opacity:1;visibility:visible;transform:none}
.cbar-tip::after{content:"";position:absolute;top:100%;left:30px;border:8px solid transparent;border-top-color:var(--paper)}
.tip-title{font-family:var(--serif);font-size:1.1rem;margin-bottom:10px;color:var(--ink)}
.tip-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 18px;margin-bottom:12px}
.tip-grid span{display:block;font-size:.7rem;letter-spacing:.03em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:2px}
.tip-grid b{font-size:1rem;color:var(--ink);font-weight:650}
.tip-desc{font-size:.86rem;color:var(--ink-soft);line-height:1.45;border-top:1px solid var(--line);padding-top:10px}

@media(max-width:560px){
  .cbar-row{grid-template-columns:1fr auto;row-gap:8px}
  .cbar-name{grid-column:1/2}
  .cbar-cost{grid-column:2/3;grid-row:1}
  .cbar-track{grid-column:1/3}
  .cbar-tip{left:0;right:0}
}

/* ---------- NEXT STEP card (light, pops on dark tool bg) ---------- */
.nextstep{background:var(--paper);border-radius:16px;padding:26px 26px 24px;margin-top:28px;box-shadow:var(--shadow-lg)}
.ns-head{display:flex;align-items:center;gap:.8em;flex-wrap:wrap;margin-bottom:6px}
.ns-tag{font-size:.66rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#fff;background:var(--pine);padding:.4em .8em;border-radius:999px}
.ns-head h3{color:var(--ink);font-size:1.5rem}
.ns-sub{color:var(--ink-soft);font-size:.98rem;margin-bottom:18px;max-width:60ch}
.lender-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lender{
  display:flex;align-items:center;justify-content:space-between;gap:12px;
  background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;
  transition:transform .15s,box-shadow .2s,border-color .2s;
}
.lender:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:var(--pine)}
.lender-name{display:block;font-family:var(--serif);font-size:1.15rem;color:var(--ink);font-weight:560}
.lender-note{display:block;font-size:.8rem;color:var(--ink-faint);margin-top:1px}
.lender-go{font-size:.9rem;font-weight:650;color:var(--pine);white-space:nowrap}
.ns-disc{font-size:.78rem;color:var(--ink-faint);margin-top:16px;line-height:1.5}
.ns-disc a{color:var(--pine);text-decoration:underline}

/* clean checklist variant */
.nextstep.clean{background:linear-gradient(180deg,#fff,var(--paper))}
.ns-list{list-style:none;counter-reset:n;display:grid;gap:14px;margin-top:6px}
.ns-list li{counter-increment:n;position:relative;padding-left:42px;color:var(--ink-soft);font-size:1rem;line-height:1.5}
.ns-list li::before{
  content:counter(n);position:absolute;left:0;top:-1px;width:28px;height:28px;border-radius:50%;
  background:var(--pine);color:#fff;font-family:var(--serif);font-size:.95rem;display:grid;place-items:center;
}
.ns-list strong{color:var(--ink)}

@media(max-width:560px){.lender-grid{grid-template-columns:1fr}}

/* ============================================================
   v4 — nav fix, hero trust, time chart, refi terms
   ============================================================ */

/* #4 — nav CTA must be white text on green (beat .nav-links a) */
.nav-links a.nav-cta,.nav-links a.nav-cta:hover{color:#fff}

/* #2 — hero trust: spaced, impactful */
.hero-trust{list-style:none;margin-top:30px;display:grid;gap:14px;max-width:30rem}
.hero-trust li{position:relative;padding-left:30px;font-size:1rem;color:var(--ink-soft);line-height:1.45}
.hero-trust li::before{
  content:"";position:absolute;left:0;top:7px;width:16px;height:16px;border-radius:50%;
  background:var(--pine);
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat;
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat;
}
.hero-trust li b{color:var(--ink);font-weight:700;font-family:var(--sans)}

/* time chart */
.timechart{margin:26px 0 8px}
.timechart .chart-head{margin:0 0 12px}
.tc-canvas{position:relative;height:340px;background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:14px 14px 6px}
.tc-legend-note{font-size:.8rem;color:#97A39C;margin-top:10px}
.seg-toggle{display:inline-flex;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:3px}
.seg-toggle button{border:none;background:transparent;color:#A9B4AD;font-family:var(--sans);font-weight:600;font-size:.85rem;padding:.45em 1em;border-radius:999px;cursor:pointer;transition:.15s}
.seg-toggle button[aria-pressed="true"]{background:var(--pine);color:#fff}
@media(max-width:560px){.tc-canvas{height:300px}.timechart .chart-head{flex-direction:column;align-items:flex-start;gap:10px}}

/* refinance term table */
.refiterms{margin:26px 0 8px;background:var(--paper);border-radius:16px;padding:24px 24px 20px;box-shadow:var(--shadow-lg)}
.refiterms .rt-head{display:flex;align-items:baseline;justify-content:space-between;gap:1em;flex-wrap:wrap;margin-bottom:14px}
.refiterms .rt-head h3{color:var(--ink);font-size:1.4rem}
.refiterms .rt-head span{font-size:.82rem;color:var(--ink-faint)}
.rt-table{width:100%;border-collapse:collapse;font-size:.95rem}
.rt-table th{text-align:right;font-family:var(--sans);font-weight:700;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-faint);padding:0 0 10px;border-bottom:1px solid var(--line)}
.rt-table th:first-child{text-align:left}
.rt-table td{text-align:right;padding:12px 0;border-bottom:1px solid var(--line);color:var(--ink-soft)}
.rt-table td:first-child{text-align:left;font-weight:650;color:var(--ink)}
.rt-table tr:last-child td{border-bottom:none}
.rt-table tr.best td{color:var(--ink);font-weight:650}
.rt-table tr.best{background:rgba(46,139,104,.08)}
.rt-pill{display:inline-block;font-size:.6rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--pine);color:#fff;padding:.15em .5em;border-radius:999px;margin-left:.5em;vertical-align:middle}
.rt-note{font-size:.82rem;color:var(--ink-faint);margin-top:14px;line-height:1.5}
@media(max-width:560px){.rt-table{font-size:.85rem}.refiterms{padding:18px}}

/* ============================================================
   v5 — guides hub
   ============================================================ */
.guide-cat{margin:34px 0 16px;border-bottom:1px solid var(--line);padding-bottom:10px}
.guide-cat h3{font-size:1.15rem;color:var(--ink)}
.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.guide-card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:26px 24px;transition:transform .18s,box-shadow .2s,border-color .2s}
.guide-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line-strong)}
.guide-card.feature{background:linear-gradient(180deg,#fff,var(--paper));border-color:var(--line-strong)}
.gc-tag{font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);margin-bottom:12px}
.guide-card h4{font-family:var(--serif);font-size:1.35rem;line-height:1.15;color:var(--ink);margin-bottom:.4em;font-weight:560}
.guide-card p{color:var(--ink-soft);font-size:.97rem;flex:1;margin-bottom:16px}
.gc-go{font-weight:650;color:var(--pine);font-size:.95rem}
@media(max-width:700px){.guide-grid{grid-template-columns:1fr}}

/* v6 — savings emphasis */
.vstat.hero-save b{color:var(--pine-bright)}
.vstat.hero-save i{display:block;font-style:normal;font-size:.75rem;color:#A9B4AD;margin-top:2px;font-weight:600}
.rt-table td.rt-save{color:var(--pine);font-weight:650}

/* v7 — focus-group: result actions, glossary, print */
.result-actions{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:18px}
.ra-btn{color:#D7DDD8;border-color:rgba(255,255,255,.25);font-size:.85rem;padding:.5em 1em}
.ra-btn:hover{color:#fff;border-color:rgba(255,255,255,.5)}
.glossary{margin:18px 0 6px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:4px 18px}
.glossary summary{cursor:pointer;padding:14px 0;font-weight:650;color:#D7DDD8;font-size:.95rem;list-style:none}
.glossary summary::-webkit-details-marker{display:none}
.glossary summary::before{content:"＋ ";color:var(--pine-bright);font-weight:700}
.glossary[open] summary::before{content:"− "}
.glossary dl{margin:0 0 14px;display:grid;grid-template-columns:auto 1fr;gap:6px 16px}
.glossary dt{font-weight:700;color:var(--pine-bright);font-size:.9rem}
.glossary dd{margin:0;color:#A9B4AD;font-size:.9rem;line-height:1.5}
@media(max-width:560px){.glossary dl{grid-template-columns:1fr;gap:2px 0}.glossary dt{margin-top:8px}}

@media print {
  .site, .nav, .result-actions, .save, #saveMsg, .result-cta, .seg-toggle, .ns-disc, .nextstep .lender-grid, .chart-hint { display:none !important; }
  body{background:#fff}
  .result{box-shadow:none}
  .verdict{background:#fff !important;color:#13211B !important;border:1.5px solid #1C5C46;border-radius:12px}
  .verdict h3,.verdict p,.verdict .tag,.vstat span,.vstat b,.vstat i{color:#13211B !important;-webkit-text-fill-color:#13211B}
  .tc-canvas{background:#fff;border:1px solid #ccc}
  .tc-legend-note,.notes li,.glossary,.glossary *{color:#13211B !important}
  .glossary{background:#fff;border:1px solid #ccc}
  .cbar-name,.cbar-cost{color:#13211B !important}
  a[href]:after{content:""}
}