/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --gray-50:    #F8F9FA;
  --gray-100:   #F1F3F5;
  --gray-200:   #E9ECEF;
  --gray-300:   #DEE2E6;
  --gray-400:   #CED4DA;
  --gray-500:   #ADB5BD;
  --gray-600:   #6C757D;
  --gray-700:   #495057;
  --gray-800:   #343A40;
  --gray-900:   #212529;

  --blue-50:    #EFF6FF;
  --blue-100:   #DBEAFE;
  --blue-200:   #BFDBFE;
  --blue-400:   #60A5FA;
  --blue-500:   #3B82F6;
  --blue-600:   #2563EB;
  --blue-700:   #1D4ED8;
  --blue-800:   #1E40AF;
  --blue-900:   #1E3A8A;

  --yellow-50:  #FEFCE8;
  --yellow-100: #FEF9C3;
  --yellow-200: #FEF08A;
  --yellow-400: #FACC15;
  --yellow-500: #EAB308;
  --yellow-600: #CA8A04;

  --white:      #FFFFFF;
  --ink:        #1A1A2E;
  --ink-soft:   #374151;
  --ink-muted:  #6B7280;

  --result-bg:  #1E3A8A;

  /* Aliases */
  --bg-primary:    var(--gray-50);
  --bg-secondary:  var(--gray-100);
  --card-bg:       var(--white);
  --card-border:   var(--gray-300);
  --accent-primary: var(--blue-600);
  --accent-hover:  var(--blue-700);
  --bg:            var(--gray-50);
  --surface:       var(--white);
  --surface-muted: var(--gray-100);
  --text-primary:  var(--ink);
  --text-secondary: var(--ink-soft);
  --text-muted:    var(--ink-muted);
  --text:          var(--ink);
  --text-soft:     var(--ink-soft);
  --text-strong:   var(--ink);
  --line:          var(--gray-300);
  --brand:         var(--blue-600);
  --brand-dark:    var(--blue-700);
  --brand-soft:    var(--blue-50);
  --accent:        var(--blue-600);
  --accent-soft:   var(--blue-50);
  --shadow-sm:     0 4px 16px rgba(26,26,46,0.07);
  --shadow-md:     0 12px 32px rgba(26,26,46,0.10);
  --radius-xl:     2rem;
  --radius-lg:     1.5rem;
  --radius-md:     1.125rem;
  --radius-sm:     0.75rem;
  --container:     1180px;
  --font-heading:  "Playfair Display", Georgia, serif;
  --font-body:     "DM Sans", "Segoe UI", sans-serif;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  background: var(--gray-50);
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; }
button, input, select { font: inherit; }

/* ============================================================
   LAYOUT
   ============================================================ */
.container {
  width: min(calc(100% - 2.5rem), var(--container));
  margin: 0 auto;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(248, 249, 250, 0.94);
  border-bottom: 0.5px solid rgba(206, 212, 218, 0.4);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 68px;
}

.brand {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 400;
  color: var(--ink);
  letter-spacing: -0.01em;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  flex-wrap: wrap;
}

.nav-links a {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--ink-soft);
  transition: color 150ms ease;
}

.nav-links a:hover { color: var(--ink); }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.nav-toggle {
  display: none;
  padding: 0.5rem 0.75rem;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--ink);
  cursor: pointer;
}

.mobile-panel {
  display: none;
  padding: 0 0 1rem;
}

.mobile-panel[data-open="true"] {
  display: grid;
  gap: 0.625rem;
}

.mobile-panel a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink-soft);
  padding: 0.4rem 0;
  border-bottom: 1px solid var(--gray-200);
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 400;
  color: var(--ink);
  margin: 0;
}

h1 {
  font-size: clamp(2.4rem, 3.5vw, 3.6rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
}

h2 {
  font-size: 2rem;
  line-height: 1.2;
  letter-spacing: -0.015em;
}

h3 {
  font-size: 1.25rem;
  font-family: var(--font-body);
  font-weight: 500;
  line-height: 1.3;
}

.small-note {
  margin: 0;
  font-size: 0.84rem;
  color: var(--ink-muted);
  line-height: 1.5;
}

/* ============================================================
   EYEBROW & PILL LABELS
   ============================================================ */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  width: fit-content;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue-600);
}

.eyebrow::before {
  content: "";
  display: inline-block;
  width: 20px;
  height: 1px;
  background: var(--yellow-500);
  flex-shrink: 0;
}

.pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  width: fit-content;
  padding: 0.4rem 0.875rem;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 500;
  background: var(--blue-100);
  color: var(--blue-700);
}

.page-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 0.5rem;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 48px;
  padding: 0 1.375rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  line-height: 1;
  cursor: pointer;
  transition: transform 140ms ease, background 140ms ease, border-color 140ms ease, box-shadow 140ms ease;
  text-decoration: none;
}

.btn:hover { transform: translateY(-1px); }

.btn-primary {
  color: var(--white);
  background: var(--blue-600);
  box-shadow: 0 8px 20px rgba(37, 99, 235, 0.25);
}

.btn-primary:hover {
  background: var(--blue-700);
  box-shadow: 0 10px 24px rgba(29, 78, 216, 0.30);
}

.btn-secondary {
  color: var(--ink);
  background: var(--white);
  border-color: var(--gray-300);
}

.btn-secondary:hover { border-color: var(--ink-muted); }

.btn-tertiary {
  color: var(--blue-700);
  background: var(--blue-50);
}

.btn-tertiary:hover { background: var(--blue-100); }

.button-row,
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  gap: 0.625rem;
  margin-top: 0.5rem;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  padding: 0;
  margin: 0;
}

.hero-editorial {
  min-height: auto;
  background: var(--white);
}

.hero-inner,
.footer-shell {
  display: grid;
  gap: 1rem;
}

.hero-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: auto;
}

.hero-panel,
.hero-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 0.75rem;
}

.hero-left {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  padding: 3rem 2.5rem 3rem 3.5rem;
  padding-top: 3rem;
  gap: 0.94rem;
}

.hero-right {
  background: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 2rem 2rem 2rem 1.5rem;
  overflow-y: auto;
}

.hero-copy {
  max-width: 640px;
  gap: 0.75rem;
}

.hero-copy h1,
.page-hero h1,
.section-heading h2,
.cta-band h2 {
  margin: 0.375rem 0;
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 3.5vw, 3.6rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.hero-copy h1 { margin-bottom: 1rem; }

.hero-copy p,
.page-hero p,
.section-heading p,
.card p,
.faq-item p {
  margin: 0;
  color: var(--ink-soft);
  line-height: 1.65;
}

.hero-copy p { margin-bottom: 1.25rem; }

.hero-visual {
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-visual-frame {
  width: min(100%, 480px);
  padding: 0.875rem;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: calc(var(--radius-xl) + 4px);
  background: rgba(255,255,255,0.10);
  box-shadow: var(--shadow-md);
}

.hero-visual-frame img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
}

.hero-body { display: grid; gap: 0.375rem; }

.hero-caption {
  margin-top: 0.375rem;
  font-size: 0.84rem;
  color: var(--ink-muted);
}

.hero-summary {
  display: grid;
  gap: 0.375rem;
  padding: 0.875rem 1rem;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.hero-summary strong {
  font-family: var(--font-heading);
  font-size: 1.35rem;
}

/* Trust pills */
.trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin: 0.5rem 0;
}

.tpill {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.75rem;
  font-weight: 400;
  color: var(--ink-muted);
}

.tpill::before {
  content: "✓";
  font-size: 0.7rem;
  color: var(--blue-600);
  font-weight: 700;
}

/* GLP-1 inline callout */
.glp-inline {
  background: var(--blue-50);
  border: 1px solid var(--blue-200);
  border-radius: 0.85rem;
  padding: 0.85rem 1rem;
  width: 100%;
  font-size: 0.84rem;
  color: var(--blue-800);
  line-height: 1.55;
  margin-top: 1rem;
}

.glp-inline a {
  color: var(--blue-800);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.hero-sub {
  margin-bottom: 0.75rem;
}

/* post-calc note below calculator in hero-right */
.post-calc-note {
  margin-top: 1rem;
  font-size: 0.82rem;
  color: var(--ink-soft);
  line-height: 1.6;
  padding: 0.75rem 1rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
}

/* post-calc note inside calculator card */
.calculator-shell .post-calc-note {
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  font-size: 0.8rem;
  color: var(--ink-soft);
  margin: 0.75rem 1.75rem 0.5rem;
  line-height: 1.5;
}

/* ============================================================
   SECTIONS
   ============================================================ */
.section {
  padding: 2rem 0;
}

.section-muted,
.section.section-muted {
  background: var(--gray-100);
}

.section-heading {
  margin-bottom: 1.5rem;
}

.section-heading h2 {
  margin: 0.5rem 0 0.75rem;
}

/* ============================================================
   CALCULATOR SECTION (homepage two-column)
   ============================================================ */
.calc-section {
  background: var(--white);
  padding: 2.5rem 0;
}

.calc-section-inner {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 2.5rem;
  align-items: start;
}

.calc-context {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.calc-context h2 {
  margin: 0.5rem 0;
}

.calc-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.calc-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.9rem;
  color: var(--ink-soft);
  line-height: 1.5;
}

.calc-checklist li::before {
  content: "✓";
  color: var(--blue-600);
  font-weight: 700;
  font-size: 0.8rem;
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.calc-post-note {
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  font-size: 0.84rem;
  color: var(--ink-muted);
  line-height: 1.6;
  border: 1px solid var(--gray-200);
}

/* ============================================================
   CARDS
   ============================================================ */
.proof-card,
.stat-card,
.glass-card,
.card,
.faq-item,
.feature-list,
.state-card,
.spotlight-panel {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  overflow: visible;
}

.card { padding: 1.5rem; }
.glass-card { padding: 1.25rem; background: rgba(255, 255, 255, 0.96); }
.spotlight-panel { padding: 1.5rem; }

.card h3, .spotlight-panel h3 { margin: 0; color: var(--ink); }
.faq-item h3, .state-card h3 { margin: 0; color: var(--ink); }

/* Cost cards */
.costs-section {
  background: var(--gray-100);
  padding: 2.5rem 0;
}

.cost-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.85rem;
  margin-top: 2rem;
}

.cost-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: transform 180ms ease, box-shadow 180ms ease;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.cost-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.cost-card.featured {
  background: var(--yellow-50);
  border-color: var(--yellow-400);
}

.cost-card-label {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--ink-muted);
}

.cost-card-range {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  color: var(--ink);
  line-height: 1.1;
}

.cost-card-desc {
  font-size: 0.84rem;
  color: var(--ink-soft);
  line-height: 1.5;
  margin-top: 0.25rem;
  flex: 1;
}

/* Financing strip */
.financing-strip {
  background: var(--blue-900);
  padding: 2.5rem 3.5rem;
  color: var(--white);
}

.financing-strip h2,
.financing-strip h3 {
  color: var(--white);
}

.financing-strip p,
.financing-strip .small-note {
  color: rgba(253, 250, 246, 0.7);
}

.fin-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

.fin-trust-block,
.fin-money-block {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.fin-block-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(253, 250, 246, 0.5);
  margin-bottom: 0.25rem;
}

.fin-block-sublabel {
  font-size: 0.82rem;
  color: rgba(253, 250, 246, 0.55);
  margin-top: -0.5rem;
  margin-bottom: 0.5rem;
}

.fin-trust-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.875rem;
}

.fin-trust-card {
  background: var(--blue-800);
  border: 1px solid var(--blue-700);
  border-radius: var(--radius-md);
  padding: 1rem 1.125rem;
}

.fin-trust-card h4 {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.375rem;
}

.fin-trust-card p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin: 0;
  line-height: 1.5;
}

.fin-lender-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 0.375rem;
}

.fin-lender-header h4 {
  margin: 0;
}

.fin-lender-logo {
  width: auto;
  height: auto;
  max-height: 28px;
  max-width: 90px;
  object-fit: contain;
  flex-shrink: 0;
  vertical-align: middle;
}

.fin-lender-initials {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 6px;
  background: var(--blue-100);
  border: 1px solid var(--blue-200);
  color: var(--blue-700);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  flex-shrink: 0;
  font-family: var(--font-body);
}

.fin-visit-link {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  font-size: 0.78rem;
  color: rgba(253, 250, 246, 0.55);
  text-decoration: none;
  margin-top: 0.5rem;
}

.fin-visit-link:hover {
  color: rgba(253, 250, 246, 0.9);
}

.fin-divider {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: rgba(253, 250, 246, 0.25);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.fin-divider::before,
.fin-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: rgba(255, 255, 255, 0.12);
}

.fin-money-cards {
  display: grid;
  gap: 0.85rem;
}

.fin-card-primary {
  background: var(--yellow-400);
  border: none;
  border-radius: var(--radius-md);
  padding: 1.5rem;
  display: grid;
  gap: 0.75rem;
}

.fin-card-primary h4 {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  margin: 0;
}

.fin-card-primary p {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin: 0;
  line-height: 1.5;
}

.fin-card-primary .btn {
  background: var(--ink);
  color: var(--white);
  border: none;
  width: fit-content;
}

.fin-secondary-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.fin-card {
  background: var(--blue-700);
  border: 1px solid var(--blue-600);
  border-radius: var(--radius-md);
  padding: 1rem 1.125rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.fin-card h4 {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--white);
  margin: 0;
}

.fin-card p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
  flex: 1;
  line-height: 1.5;
}

.fin-card .btn {
  font-size: 0.8rem;
  min-height: 36px;
  padding: 0 0.875rem;
  border: 1px solid rgba(255,255,255,0.4);
  color: var(--white);
  background: transparent;
  width: fit-content;
  margin-top: auto;
}

.fin-card .btn:hover {
  background: rgba(255,255,255,0.1);
  transform: none;
}

/* Topics grid */
.topics-section {
  background: var(--white);
  padding: 2rem 0;
}

.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 2rem;
}

.topic-card {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
  transition: background 180ms ease, transform 180ms ease, box-shadow 180ms ease;
  text-decoration: none;
  color: inherit;
}

.topic-card:hover {
  background: var(--white);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.topic-number {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  color: var(--ink-muted);
  font-family: var(--font-body);
}

.topic-card h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 400;
  color: var(--ink);
  margin: 0;
}

.topic-card p {
  font-size: 0.84rem;
  color: var(--ink-muted);
  margin: 0;
  line-height: 1.5;
  flex: 1;
}

.topic-arrow {
  font-size: 0.84rem;
  color: var(--blue-600);
  margin-top: 0.25rem;
}

/* Email capture */
.email-section {
  background: var(--gray-100);
  padding: 2.5rem 3.5rem;
}

.email-section-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: center;
}

.email-form-row {
  display: flex;
  gap: 0.75rem;
  margin-top: 1rem;
}

.email-form-row input[type="email"] {
  flex: 1;
  height: 48px;
  padding: 0 1rem;
  border: 1px solid var(--gray-300);
  border-radius: 999px;
  background: var(--white);
  color: var(--ink);
  font-size: 0.9rem;
}

.email-form-row input[type="email"]::placeholder { color: var(--ink-muted); }
.email-form-row input[type="email"]:focus {
  outline: none;
  border-color: var(--blue-200);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
}

.email-disclaimer {
  font-size: 0.75rem;
  color: var(--ink-muted);
  margin-top: 0.625rem;
  line-height: 1.5;
}

/* Trust bar */
.trust-bar {
  background: var(--blue-50);
  border-top: 1px solid var(--blue-200);
  border-bottom: 1px solid var(--blue-200);
  padding: 1rem 3.5rem;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.78rem;
  color: var(--ink-muted);
  font-weight: 400;
}

.trust-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-600);
  font-size: 0.75rem;
  font-weight: 700;
  flex-shrink: 0;
  box-shadow: 0 1px 4px rgba(26,26,46,0.08);
}

/* ============================================================
   CALCULATOR
   ============================================================ */
.calculator-shell {
  display: grid;
  gap: 0;
  border-radius: var(--radius-xl);
  border: 1px solid rgba(37, 99, 235, 0.15);
  background: var(--white);
  box-shadow:
    0 4px 6px rgba(0, 0, 0, 0.05),
    0 10px 40px rgba(37, 99, 235, 0.12),
    0 20px 60px rgba(37, 99, 235, 0.08);
  overflow: hidden;
  transform: translateY(0);
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.calculator-shell:hover {
  box-shadow:
    0 8px 12px rgba(0, 0, 0, 0.06),
    0 16px 48px rgba(37, 99, 235, 0.16),
    0 24px 64px rgba(37, 99, 235, 0.10);
  transform: translateY(-2px);
}

.calculator-header {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.75rem 1.75rem 1.25rem;
  border-bottom: 1px solid var(--gray-200);
}

.calculator-header h2 {
  margin: 0.375rem 0 0;
  font-size: 1.5rem;
}

.calculator-stage {
  padding: 1.5rem 1.75rem;
}

.calculator-stage h3 {
  margin: 0 0 0.25rem;
  color: var(--ink);
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 400;
}

.stage-eyebrow {
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--blue-600);
  display: block;
  margin-bottom: 0.375rem;
}

.calculator-stage-results {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-200);
}

.calculator-actions {
  display: flex;
  gap: 0.75rem;
  padding: 1.25rem 1.75rem;
  border-top: 1px solid var(--gray-200);
  background: var(--white);
}

/* Progress */
.progress-stack {
  display: grid;
  gap: 0.5rem;
  min-width: min(100%, 200px);
  text-align: right;
}

.progress-chip {
  width: fit-content;
  margin-left: auto;
  padding: 0.375rem 0.75rem;
  border-radius: 999px;
  background: var(--blue-100);
  color: var(--blue-700);
  font-size: 0.78rem;
  font-weight: 500;
}

.step-dots {
  display: flex;
  align-items: center;
  gap: 0.375rem;
  justify-content: flex-end;
}

.step-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gray-300);
  transition: background 200ms ease, transform 200ms ease;
}

.step-dot[data-state="active"] {
  background: var(--yellow-400);
  transform: scale(1.25);
}

.step-dot[data-state="complete"] { background: var(--blue-200); }

/* Market detection */
.market-detected {
  background: var(--blue-50);
  border: 1px solid var(--blue-200);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-size: 0.84rem;
  color: var(--blue-800);
  margin-top: 0.625rem;
  display: none;
}

.market-detected.visible { display: block; }

.zip-state-note {
  font-size: 0.8rem;
  color: var(--blue-700);
  margin-top: 0.375rem;
}

/* Form fields */
.field {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.field label {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--ink-soft);
}

.field input[type="text"],
.field input[type="email"],
.field select {
  height: 44px;
  padding: 0 0.875rem;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--ink);
  font-size: 0.9rem;
  appearance: none;
  -webkit-appearance: none;
}

.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' fill='none'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%238A8077' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.875rem center;
  padding-right: 2.25rem;
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--blue-200);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
}

.field-grid { display: grid; gap: 0.875rem; }
.field-grid.two-up { grid-template-columns: 1fr 1fr; }

/* Radio & checkbox cards */
.radio-grid,
.check-grid {
  display: grid;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.radio-card,
.check-card {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.875rem 1rem;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  background: var(--white);
  cursor: pointer;
  transition: border-color 140ms ease, background 140ms ease;
}

.radio-card:hover,
.check-card:hover {
  border-color: var(--blue-200);
  background: var(--blue-50);
}

.radio-card:has(input:checked),
.check-card:has(input:checked) {
  border-color: var(--blue-600);
  background: var(--blue-50);
}

.radio-card input,
.check-card input {
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--blue-600);
}

.radio-card strong,
.check-card strong {
  display: block;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink);
}

.radio-card span,
.check-card span {
  display: block;
  font-size: 0.78rem;
  color: var(--ink-muted);
  line-height: 1.4;
  margin-top: 0.1rem;
}

.checkbox-group legend {
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--ink-soft);
  margin-bottom: 0.375rem;
  padding: 0;
}

/* Results */
.calculator-results {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.results-summary {
  background: var(--result-bg);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  color: var(--white);
}

.results-kicker {
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--blue-200);
  margin-bottom: 0.5rem;
}

.results-value {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--white);
  margin: 0 0 0.25rem;
  line-height: 1;
}

.results-sub {
  font-size: 0.84rem;
  color: rgba(253, 250, 246, 0.6);
  margin: 0;
}

.results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.625rem;
}

.result-chip {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.result-chip .results-kicker { color: var(--ink-muted); }
.result-chip strong { font-size: 1rem; font-weight: 600; color: var(--ink); }

/* Payment terms grid */
.payment-terms {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.payment-term-chip {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 0.75rem;
  text-align: center;
}

.payment-term-mo {
  font-size: 0.72rem;
  color: var(--ink-muted);
  display: block;
}

.payment-term-amount {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--ink);
  display: block;
  margin: 0.15rem 0;
}

.payment-term-apr {
  font-size: 0.68rem;
  color: var(--ink-muted);
  display: block;
}

/* Result CTAs — only shown post-result */
.result-cta-primary,
.result-cta-secondary {
  display: block;
  width: 100%;
  text-align: center;
  padding: 0.875rem 1.5rem;
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: transform 140ms ease, background 140ms ease;
  text-decoration: none;
}

.result-cta-primary:hover,
.result-cta-secondary:hover { transform: translateY(-1px); }

.result-cta-primary {
  background: var(--blue-600);
  color: var(--white);
  border: none;
  box-shadow: 0 6px 18px rgba(37,99,235,0.25);
}

.result-cta-primary:hover { background: var(--blue-700); }

.result-cta-secondary {
  background: transparent;
  color: var(--ink);
  border: 1.5px solid var(--gray-300);
  margin-top: 0.625rem;
}

.result-cta-secondary:hover { border-color: var(--ink-muted); }

.inline-note {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-size: 0.82rem;
  color: var(--ink-muted);
  line-height: 1.6;
}

.calc-info-box {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.8rem 1rem;
  border: 0.5px solid var(--blue-200);
  border-radius: 8px;
  background: var(--blue-50);
  margin-top: 0.75rem;
  cursor: default;
  pointer-events: none;
}

.calc-info-icon {
  color: var(--blue-500);
  flex-shrink: 0;
  margin-top: 2px;
}

.calc-info-text {
  font-size: 0.82rem;
  color: var(--ink-soft);
  line-height: 1.55;
  margin: 0;
}

.dense-stack {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.micro-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.875rem;
}

.micro-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1rem 1.125rem;
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.micro-card strong {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ink);
}

.cta-stack {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.cta-microcopy {
  font-size: 0.75rem;
  color: var(--ink-muted);
  text-align: center;
  margin: 0;
}

/* ============================================================
   CARD GRIDS
   ============================================================ */
.card-grid {
  display: grid;
  gap: 1.1rem;
}

.card-grid.two-up { grid-template-columns: 1fr 1fr; }
.card-grid.three-up { grid-template-columns: repeat(3, 1fr); }

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.1rem;
}

.comparison-metric {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.84rem;
  gap: 0.5rem;
}

.comparison-metric span { color: var(--ink-muted); }
.comparison-metric strong { color: var(--ink); font-weight: 500; }

.metrics-grid {
  display: grid;
  gap: 1.1rem;
}

.metrics-grid.two-up { grid-template-columns: 1fr 1fr; }

.price-chip {
  display: inline-block;
  background: var(--blue-100);
  color: var(--blue-700);
  padding: 0.375rem 0.875rem;
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

/* Comparison table */
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.comparison-table th {
  background: var(--blue-100);
  color: var(--blue-700);
  font-weight: 600;
  padding: 0.75rem 1rem;
  text-align: left;
  border-bottom: 2px solid var(--blue-200);
}

.comparison-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--gray-200);
  color: var(--ink-soft);
}

.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: var(--gray-50); }

/* ============================================================
   PAGE HERO (interior pages)
   ============================================================ */
.page-hero {
  background: var(--gray-50);
  padding: 2.5rem 0 2.25rem;
}

.page-hero-compact {
  padding: 2rem 0 2rem;
}

.page-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

.page-layout-single {
  grid-template-columns: 1fr;
  max-width: 760px;
}

.page-hero h1 {
  font-size: clamp(1.9rem, 2.8vw, 2.6rem);
  margin: 0.5rem 0 0.75rem;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: var(--ink-muted);
  margin-bottom: 0.875rem;
  flex-wrap: wrap;
}

.breadcrumbs a { color: var(--ink-muted); }
.breadcrumbs a:hover { color: var(--ink); }
.breadcrumbs span { color: var(--ink-muted); }

.spotlight-panel {
  background: var(--white);
  padding: 1.5rem;
}

.spotlight-grid {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.spotlight-number {
  display: block;
  font-family: var(--font-heading);
  font-size: 2rem;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 0.25rem;
}

.divider {
  height: 1px;
  background: var(--gray-200);
  margin: 0.5rem 0;
}

/* ============================================================
   CONTENT STACK (interior page body)
   ============================================================ */
.content-stack {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  max-width: 860px;
}

/* ============================================================
   FAQ (accordion)
   ============================================================ */
.faq-group {
  margin-bottom: 2.5rem;
}

.faq-group h2 {
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
  padding-bottom: 0.75rem;
}

.faq-item {
  border: none;
  margin-bottom: 0.5rem;
  padding: 0;
  border-radius: 0;
  box-shadow: none;
  background: transparent;
}

.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  cursor: pointer;
  padding: 1rem 0;
  border: none;
  font-size: 1rem;
  font-weight: 500;
  color: var(--ink);
  user-select: none;
  list-style: none;
  transition: color 150ms ease;
}

.faq-item:hover .faq-q {
  color: var(--blue-600);
}

.faq-q::after {
  content: "+";
  font-size: 1.25rem;
  font-weight: 300;
  color: var(--ink-muted);
  flex-shrink: 0;
  transition: transform 200ms ease;
}

.faq-item.open .faq-q::after {
  content: "−";
}

.faq-a {
  overflow: hidden;
  font-size: 0.92rem;
  color: var(--ink-soft);
  line-height: 1.75;
  padding-bottom: 1rem;
  padding-right: 2rem;
  border: none;
  display: none;
}

.faq-item.open .faq-a { display: block; }

.faq-a a {
  color: var(--blue-700);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.faq-grid {
  display: flex;
  flex-direction: column;
}

/* ============================================================
   BULLETS & MINI LINKS
   ============================================================ */
.bullets {
  list-style: none;
  padding: 0;
  margin: 0.5rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.bullets li {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.9rem;
  color: var(--ink-soft);
  line-height: 1.5;
}

.bullets li::before {
  content: "—";
  color: var(--blue-600);
  flex-shrink: 0;
  font-size: 0.75rem;
  margin-top: 0.2rem;
}

.hero-bullets li { color: var(--ink-soft); }

.mini-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.mini-links a {
  font-size: 0.875rem;
  color: var(--blue-700);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color 140ms ease;
}

.mini-links a:hover { color: var(--ink); }

/* ============================================================
   STATE CARD
   ============================================================ */
.state-card {
  padding: 1.25rem 1.5rem;
  text-decoration: none;
  color: inherit;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.state-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* ============================================================
   AD SHELL
   ============================================================ */
.ad-shell {
  display: grid;
  gap: 0.625rem;
  padding: 1rem 1.25rem;
  margin: 0.125rem 0;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.ad-shell-label {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-muted);
}

.ad-unit { min-height: 100px; }

/* ============================================================
   LEAD FORM
   ============================================================ */
.lead-shell {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius-xl);
}

.lead-form {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.5rem;
}

/* ============================================================
   SELECTOR ROW (state navigator)
   ============================================================ */
.selector-row {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  align-items: flex-end;
}

.selector-row select { height: 44px; flex: 1; min-width: 180px; }

/* ============================================================
   ESTIMATE ENTRY
   ============================================================ */
.estimate-entry {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--ink);
  color: var(--white);
  padding: 2rem 3.5rem;
}

.footer-shell {
  grid-template-columns: 1.2fr 2fr;
  gap: 2rem;
  align-items: start;
}

.footer-meta {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-meta .brand {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  color: rgba(253, 250, 246, 0.9);
}

.footer-meta .small-note {
  font-size: 0.78rem;
  color: rgba(253, 250, 246, 0.4);
  line-height: 1.6;
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
}

.footer-links a {
  font-size: 0.82rem;
  color: rgba(253, 250, 246, 0.55);
  transition: color 140ms ease;
}

.footer-links a:hover { color: rgba(253, 250, 246, 0.9); }

/* ============================================================
   RESPONSIVE — 768px
   ============================================================ */
@media (max-width: 768px) {
  .hero-split,
  .hero-left,
  .calc-section-inner,
  .page-layout,
  .cost-grid,
  .topics-grid,
  .fin-trust-cards,
  .fin-secondary-row,
  .email-section-inner,
  .footer-shell,
  .results-grid,
  .payment-terms,
  .card-grid.two-up,
  .card-grid.three-up,
  .comparison-grid,
  .micro-grid,
  .metrics-grid.two-up {
    grid-template-columns: 1fr;
  }

  .hero-editorial {
    min-height: auto;
  }

  .hero-split {
    display: flex;
    flex-direction: column;
  }

  .hero-right { display: none; }

  .hero-left {
    padding: 3rem 1.75rem;
    gap: 1rem;
  }

  h1,
  .hero-copy h1 {
    font-size: clamp(2rem, 8vw, 2.6rem);
  }

  h2 { font-size: 1.65rem; }

  .calc-section { padding: 3rem 0; }
  .calc-section-inner { gap: 2rem; }

  .costs-section,
  .financing-strip,
  .topics-section,
  .email-section,
  .section { padding: 3rem 0; }

  .nav-links,
  .nav-actions { display: none; }

  .nav-toggle { display: block; }

  .cost-grid { grid-template-columns: 1fr 1fr; }

  .payment-terms { grid-template-columns: 1fr 1fr; }

  .fin-trust-cards,
  .fin-secondary-row,
  .topics-grid { grid-template-columns: 1fr; }

  .footer-shell {
    gap: 2rem;
  }

  .page-hero { padding: 3rem 0 2rem; }
  .page-layout { grid-template-columns: 1fr; }

  .trust-bar-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.875rem;
  }

  .calculator-header { flex-direction: column; }
  .progress-stack { text-align: left; }
  .step-dots { justify-content: flex-start; }
  .progress-chip { margin-left: 0; }
  .field-grid.two-up { grid-template-columns: 1fr; }
}

/* ============================================================
   RESPONSIVE — 480px
   ============================================================ */
@media (max-width: 480px) {
  .container { width: calc(100% - 2rem); }
  .hero-left { padding: 2rem 1rem; }
  .calc-section-inner,
  .card { padding: 1.25rem; }
  .cost-grid { grid-template-columns: 1fr; }
  .email-form-row { flex-direction: column; }
  .email-form-row .btn { width: 100%; justify-content: center; }
}