/* MortgageEasy — brokerage marketing mockup (FCA-aware structure) */
:root {
  --navy: #1a2f4f;
  --navy-soft: #243d63;
  --green: #3d9e47;
  --green-bright: #52b85c;
  --green-soft: #e8f5ea;
  --cream: #fafbfc;
  --ink: #1c2838;
  --muted: #5c6778;
  --line: #dde3ea;
  --white: #ffffff;
  --warn-bg: #fff8e6;
  --warn-border: #e8c96a;
  --max: 1120px;
  --font: "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--navy-soft); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--green); }

.container { max-width: var(--max); margin: 0 auto; padding: 0 1.5rem; }

/* ---- Regulatory top strip ---- */
.reg-strip {
  background: var(--navy);
  color: rgba(255,255,255,0.88);
  font-size: 0.72rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.reg-strip-footer {
  border-bottom: none;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.reg-strip .container {
  display: flex; flex-wrap: wrap; gap: 0.35rem 1.25rem; align-items: center;
}
.reg-strip strong { color: #fff; font-weight: 600; }
.reg-strip a { color: #b7ef6a; text-underline-offset: 2px; }
.reg-strip a:hover { color: #fff; }

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(8px);
}
.header-inner {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.7rem 0;
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  flex-shrink: 0;
  margin-left: auto;
  margin-right: 0.75rem;
}
.logo-link { display: flex; align-items: center; gap: 0.75rem; text-decoration: none; color: inherit; }
.logo-link img.logo-img { height: 48px; width: auto; }
.footer-logo { margin-bottom: 0.75rem; opacity: 0.96; }
.logo-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; border-radius: 12px; flex: none;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 60%, var(--green) 160%);
  color: #fff; font-weight: 800; font-size: 1.35rem; letter-spacing: -0.02em;
  box-shadow: 0 6px 18px rgba(26,47,79,0.22);
}
.footer-mark { width: 46px; height: 46px; font-size: 1.2rem; margin-bottom: 0.75rem; }
.logo-text { display: none; }
@media (min-width: 480px) {
  .logo-text { display: block; }
  .logo-text .name { font-size: 1.15rem; font-weight: 800; color: var(--navy); line-height: 1.1; }
  .logo-text .tag { font-size: 0.62rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-top: 2px; }
}

.header-actions .btn-sm {
  padding: 0.42rem 0.7rem;
  font-size: 0.74rem;
  border-radius: 7px;
  white-space: nowrap;
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.35rem;
  height: 2.35rem;
  padding: 0;
  border-radius: 8px;
  border: 1.5px solid var(--line);
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.nav-toggle:hover,
.nav-toggle.is-open {
  border-color: rgba(61, 158, 71, 0.45);
  background: var(--green-soft);
}
.nav-toggle-bars,
.nav-toggle-bars::before,
.nav-toggle-bars::after {
  display: block;
  width: 1.05rem;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform 0.18s ease, opacity 0.18s ease;
}
.nav-toggle-bars { position: relative; }
.nav-toggle-bars::before,
.nav-toggle-bars::after {
  content: "";
  position: absolute;
  left: 0;
}
.nav-toggle-bars::before { top: -5px; }
.nav-toggle-bars::after { top: 5px; }
.nav-toggle.is-open .nav-toggle-bars { background: transparent; }
.nav-toggle.is-open .nav-toggle-bars::before {
  top: 0;
  transform: rotate(45deg);
}
.nav-toggle.is-open .nav-toggle-bars::after {
  top: 0;
  transform: rotate(-45deg);
}

.site-menu {
  position: absolute;
  top: calc(100% - 0.15rem);
  right: 0;
  z-index: 60;
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  min-width: 13.5rem;
  max-width: min(18rem, calc(100vw - 2rem));
  padding: 0.45rem;
  border-radius: 12px;
  border: 1px solid rgba(26, 47, 79, 0.12);
  background: #fff;
  box-shadow: 0 14px 36px rgba(13, 27, 42, 0.14);
}
.site-menu[hidden] { display: none !important; }
.site-menu a {
  display: block;
  padding: 0.7rem 0.85rem;
  border-radius: 8px;
  text-decoration: none;
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 600;
  line-height: 1.25;
}
.site-menu a:hover,
.site-menu a:focus-visible,
.site-menu a.active {
  background: var(--green-soft);
  color: var(--navy);
}

/* Journey strip — compact page section under hero */
.journey-bar {
  display: block;
  padding: 0; /* override global section { padding: 3.5rem 0 } */
  background: linear-gradient(90deg, #13243d 0%, #1a2f4f 45%, #1f3a5c 100%);
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(13, 27, 42, 0.35);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.05);
}
.journey-bar-inner {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding: 0.45rem 1rem;
}
.journey-bar-label {
  display: flex;
  flex-direction: column;
  gap: 0.05rem;
  margin: 0;
}
.journey-bar-kicker {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #8fd43a;
  line-height: 1.2;
}
.journey-bar-sub {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.25;
}
.journey-nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.3rem;
}
.journey-nav a {
  position: relative;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  min-height: 0;
  padding: 0.28rem 0.5rem;
  border-radius: 8px;
  text-decoration: none;
  color: #fff;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  transition: background 0.15s ease, border-color 0.15s ease, transform 0.15s ease;
}
.journey-nav a:hover {
  background: rgba(143, 212, 58, 0.14);
  border-color: rgba(143, 212, 58, 0.45);
  color: #fff;
}
.journey-step {
  flex: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 999px;
  font-size: 0.72rem;
  line-height: 1;
  color: #13243d;
  background: linear-gradient(180deg, #b7ef6a 0%, #8fd43a 100%);
}
.journey-name {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.15;
}

@media (max-width: 1099px) {
  .logo-link img.logo-img { height: 52px; width: auto; max-width: none; }
}

@media (min-width: 640px) and (max-width: 1099px) {
  .journey-nav { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .journey-bar-inner {
    display: grid;
    grid-template-columns: minmax(8rem, 11.5rem) minmax(0, 1fr);
    align-items: center;
    gap: 0.45rem 0.85rem;
    padding: 0.4rem 1rem;
  }
}

@media (min-width: 1100px) {
  .site-header .container { max-width: 1280px; }
  .header-inner { padding: 0.75rem 0; }
  .logo-link img.logo-img {
    height: 78px !important;
    width: auto !important;
    max-width: none !important;
  }
  .header-actions {
    gap: 0.65rem;
    margin-right: 0.95rem;
  }
  .header-actions .btn-sm {
    padding: 0.5rem 0.85rem;
    font-size: 0.8rem;
  }
  .site-menu { min-width: 15rem; }

  .journey-bar-inner {
    display: grid;
    grid-template-columns: minmax(9rem, 12.5rem) minmax(0, 1fr);
    gap: 0.5rem 1rem;
    align-items: center;
    padding: 0.4rem 1.25rem;
  }
  .journey-nav {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.35rem;
  }
  .journey-nav a {
    gap: 0.4rem;
    padding: 0.3rem 0.55rem;
  }
  .journey-step {
    width: 1.4rem;
    height: 1.4rem;
    font-size: 0.75rem;
  }
  .journey-name { font-size: 0.72rem; }
}

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0.65rem 1.15rem; border-radius: 8px; font-weight: 700; font-size: 0.9rem;
  text-decoration: none; border: none; cursor: pointer; transition: background 0.15s;
}
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: var(--green-bright); color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border: 1.5px solid var(--line); }
.btn-outline:hover { border-color: var(--green); color: var(--green); }

/* ---- Hero ---- */
.hero {
  padding: 3.5rem 0 3rem;
  background: linear-gradient(180deg, var(--green-soft) 0%, var(--white) 55%);
}
.hero-grid {
  display: grid; gap: 2.5rem; align-items: center;
}
@media (min-width: 900px) { .hero-grid { grid-template-columns: 1.1fr 0.9fr; } }

.eyebrow {
  display: inline-block; font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--green); background: var(--white);
  border: 1px solid var(--line); padding: 0.3rem 0.65rem; border-radius: 999px;
  margin-bottom: 1rem;
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 2.85rem);
  line-height: 1.12; font-weight: 800; color: var(--navy);
  letter-spacing: -0.02em;
}
.hero h1 em { font-style: normal; color: var(--green); }
.hero .lead { margin-top: 1rem; font-size: 1.08rem; color: var(--muted); max-width: 34rem; }
.hero-actions { margin-top: 1.5rem; display: flex; flex-wrap: wrap; gap: 0.75rem; }

.hero-visual {
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  padding: 1.25rem; box-shadow: 0 12px 40px rgba(26,47,79,0.08);
}
.hero-visual img.avatar { border-radius: 12px; width: 100%; aspect-ratio: 1; object-fit: cover; object-position: 50% 15%; }
.hero-visual .cap { margin-top: 0.75rem; font-size: 0.85rem; color: var(--muted); text-align: center; }
.hero-visual .cap strong { color: var(--navy); }

.hero-compact { padding: 2.5rem 0 1.5rem; }
.hero-lead-center { max-width: 46rem; margin: 0 auto; text-align: center; }
.hero-compact h1 { text-align: center; max-width: 44rem; margin: 0 auto; }
.hero-compact .eyebrow { display: block; text-align: center; margin-left: auto; margin-right: auto; }

/* ---- Journey picker (top of page) ---- */
.journey-section {
  padding: 2rem 0 3rem;
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.section-head-center { text-align: center; max-width: 44rem; margin-left: auto; margin-right: auto; }
.section-head-center .bar { margin-left: auto; margin-right: auto; }

.journey-grid {
  display: grid; gap: 1rem;
}
@media (min-width: 768px) { .journey-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .journey-grid { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 900px) {
  .journey-grid.journey-grid-three { grid-template-columns: repeat(3, 1fr); }
}

.journey-card {
  display: block; text-decoration: none; color: inherit;
  background: var(--white); border: 2px solid var(--line); border-radius: 16px;
  padding: 1.35rem 1.25rem; transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
}
.journey-card:hover {
  border-color: var(--green); box-shadow: 0 10px 32px rgba(26,47,79,0.1);
  transform: translateY(-2px); color: inherit;
}
.journey-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 2rem; height: 2rem; border-radius: 8px;
  background: var(--navy); color: #fff; font-size: 0.8rem; font-weight: 800;
  margin-bottom: 0.75rem;
}
.journey-num.green { background: var(--green); }
.journey-card h3 { font-size: 1.1rem; font-weight: 800; color: var(--navy); margin-bottom: 0.4rem; }
.journey-card p { font-size: 0.88rem; color: var(--muted); line-height: 1.5; }
.journey-cta {
  display: block; margin-top: 1rem; font-size: 0.85rem; font-weight: 700; color: var(--green);
}

.journey-susan-media {
  position: relative;
  display: inline-block;
  margin-bottom: 0.75rem;
}
.journey-susan-photo {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  object-position: 50% 15%;
  display: block;
  box-shadow: 0 4px 14px rgba(26, 47, 79, 0.12);
}
.journey-susan-badge {
  position: absolute;
  right: -2px;
  bottom: -2px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff;
  padding: 2px;
  box-shadow: 0 1px 6px rgba(26, 47, 79, 0.18);
}
.journey-card-susan p { max-width: 36rem; }

.advisor-led-note {
  margin-top: 1.5rem; padding: 1rem 1.15rem;
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  font-size: 0.88rem; color: var(--muted); text-align: center; max-width: 52rem; margin-left: auto; margin-right: auto;
}
.advisor-led-note strong { color: var(--navy); }

.hero-visual-band {
  padding: 2.5rem 0;
  background: var(--white);
}
.hero-visual-band .hero-grid {
  display: grid; gap: 2rem; align-items: center;
}
@media (min-width: 900px) { .hero-visual-band .hero-grid { grid-template-columns: 1fr 1fr; } }

.disclosure-inline {
  background: var(--cream); border: 1px solid var(--line); border-radius: 14px;
  padding: 1.15rem 1.25rem; font-size: 0.84rem; color: var(--muted);
}
.disclosure-inline h3 {
  font-size: 0.92rem; font-weight: 700; color: var(--navy); margin-bottom: 0.45rem;
}
.disclosure-inline a { color: var(--navy-soft); font-weight: 600; }

.compliance-checklist {
  margin-top: 1.5rem;
  background: var(--cream); border: 1px solid var(--line); border-radius: 14px;
  padding: 1.15rem 1.25rem; font-size: 0.84rem; color: var(--muted);
}
.compliance-checklist strong { display: block; color: var(--navy); margin-bottom: 0.35rem; }

.powered-by {
  margin-top: 1.5rem; text-align: center; font-size: 0.82rem; color: var(--muted);
}
.powered-by strong { color: var(--navy); }

/* ---- Sections ---- */
section { padding: 3.5rem 0; }
section.alt { background: var(--cream); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

.section-head { margin-bottom: 2rem; max-width: 40rem; }
.section-head h2 { font-size: 1.65rem; font-weight: 800; color: var(--navy); }
.section-head p { margin-top: 0.5rem; color: var(--muted); font-size: 1rem; }
.section-head .bar {
  width: 2.5rem; height: 3px; background: var(--green); border-radius: 2px; margin-bottom: 0.75rem;
}

.card-grid { display: grid; gap: 1rem; }
@media (min-width: 640px) { .card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .card-grid.cols-3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 900px) { .card-grid.cols-4 { grid-template-columns: repeat(4, 1fr); } }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: 14px;
  padding: 1.25rem;
}
.card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.35rem; }
.card p { font-size: 0.88rem; color: var(--muted); }
.card .icon {
  width: 2.25rem; height: 2.25rem; border-radius: 8px;
  background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; font-weight: 800; margin-bottom: 0.65rem;
}
.card .icon.green { background: var(--green); }

.steps { display: grid; gap: 1rem; }
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step {
  background: var(--navy); color: #fff; border-radius: 14px; padding: 1.25rem;
}
.step .num { font-size: 1.75rem; font-weight: 800; color: var(--green-bright); line-height: 1; }
.step h3 { font-size: 0.95rem; font-weight: 700; margin-top: 0.35rem; }
.step p { font-size: 0.82rem; color: rgba(255,255,255,0.78); margin-top: 0.35rem; }

/* ---- CTA band ---- */
.cta-band {
  background: var(--navy); color: #fff; padding: 2.75rem 0;
}
.cta-band .inner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1.25rem;
}
.cta-band h2 { font-size: 1.5rem; font-weight: 800; line-height: 1.2; }
.cta-band h2 span { color: var(--green-bright); }

/* ---- Footer ---- */
.site-footer {
  background: #121f33; color: rgba(255,255,255,0.75);
  padding: 2.5rem 0 1.5rem; font-size: 0.82rem;
}
.footer-grid {
  display: grid; gap: 2rem;
}
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.site-footer h4 { color: #fff; font-size: 0.85rem; font-weight: 700; margin-bottom: 0.65rem; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 0.35rem; }
.site-footer a { color: rgba(255,255,255,0.72); text-decoration: none; }
.site-footer a:hover { color: var(--green-bright); }

.reg-block {
  margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,0.12);
  font-size: 0.75rem; line-height: 1.55; color: rgba(255,255,255,0.55);
}
.reg-block p + p { margin-top: 0.65rem; }

/* ---- Page-specific ---- */
.page-hero {
  padding: 2.75rem 0 2rem;
  background: var(--cream); border-bottom: 1px solid var(--line);
}
.page-hero h1 { font-size: clamp(1.75rem, 3.5vw, 2.35rem); font-weight: 800; color: var(--navy); }
.page-hero p { margin-top: 0.65rem; color: var(--muted); max-width: 38rem; }

.disclosure-box {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 1.25rem; font-size: 0.88rem; color: var(--muted);
}
.disclosure-box h3 { font-size: 0.95rem; color: var(--navy); margin-bottom: 0.5rem; }
.disclosure-box ul { margin: 0.5rem 0 0 1.1rem; }
.disclosure-box li { margin-bottom: 0.35rem; }

.job-card { border-left: 3px solid var(--green); }

/* ---- Calculator page ---- */
.calculator-section { padding: 2rem 0 3rem; }
.calculator-grid {
  display: grid; gap: 1.5rem; align-items: start;
}
@media (min-width: 900px) { .calculator-grid { grid-template-columns: 1fr 1fr; } }

.calculator-card, .callback-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  padding: 1.5rem; box-shadow: 0 8px 28px rgba(26,47,79,0.06);
}
.calculator-card h2, .callback-card h2 {
  font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-bottom: 0.35rem;
}
.calc-disclaimer { font-size: 0.82rem; color: var(--muted); margin-bottom: 1.25rem; }

.calc-field { margin-bottom: 1rem; }
.calc-field label {
  display: block; font-size: 0.82rem; font-weight: 600; color: var(--navy); margin-bottom: 0.35rem;
}
.calc-field input[type="text"],
.calc-field input[type="email"],
.calc-field input[type="tel"],
.calc-field input[type="number"] {
  width: 100%; padding: 0.65rem 0.75rem; border: 1px solid var(--line);
  border-radius: 8px; font-size: 1rem; font-family: inherit;
}
.calc-field input:focus {
  outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(61,158,71,0.15);
}
.calc-input-wrap { display: flex; align-items: center; }
.calc-prefix {
  padding: 0.65rem 0.5rem 0.65rem 0.75rem; background: var(--cream);
  border: 1px solid var(--line); border-right: none; border-radius: 8px 0 0 8px;
  color: var(--muted); font-weight: 600;
}
.calc-input-wrap input {
  border-radius: 0 8px 8px 0 !important; flex: 1;
}
.calc-row { display: grid; gap: 1rem; grid-template-columns: 1fr 1fr; }

.calc-results {
  display: grid; gap: 0.75rem; margin: 1.25rem 0;
  padding: 1rem; background: var(--cream); border-radius: 12px;
}
.calc-result { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
.calc-result-label { font-size: 0.82rem; color: var(--muted); }
.calc-result strong { font-size: 1.1rem; color: var(--navy); }
.calc-result.highlight strong { font-size: 1.35rem; color: var(--green); }
.calc-footnote { font-size: 0.78rem; color: var(--muted); line-height: 1.5; margin-top: 1rem; }

.introducer-banner[hidden] { display: none !important; }
.introducer-banner {
  margin-top: 1rem; padding: 0.5rem 0.85rem; display: inline-block;
  background: var(--green-soft); border: 1px solid var(--line); border-radius: 999px;
  font-size: 0.82rem; font-weight: 600; color: var(--navy);
}
.slug-warning {
  margin-top: 1rem; padding: 0.85rem 1rem; background: var(--warn-bg);
  border: 1px solid var(--warn-border); border-radius: 10px; font-size: 0.88rem; color: var(--ink);
}
.slug-warning code { font-size: 0.85em; }

.callback-form { margin-top: 1rem; }
.consent-label {
  display: flex; gap: 0.65rem; align-items: flex-start; font-size: 0.82rem;
  color: var(--muted); margin: 1rem 0; cursor: pointer; line-height: 1.45;
}
.consent-label input { margin-top: 0.2rem; flex-shrink: 0; }
.btn-full { width: 100%; margin-top: 0.5rem; }

.form-message {
  padding: 0.65rem 0.85rem; border-radius: 8px; font-size: 0.88rem; margin-bottom: 0.5rem;
}
.form-message.success { background: var(--green-soft); color: var(--navy); border: 1px solid var(--green); }
.form-message.error { background: #fdecea; color: #8a1f11; border: 1px solid #e8a99f; }

.calculator-card-wide { max-width: 900px; margin: 0 auto 1.5rem; }
.calculator-grid-below { margin-top: 0; }
.calc-row-3 { grid-template-columns: 1fr; }
@media (min-width: 768px) { .calc-row-3 { grid-template-columns: repeat(3, 1fr); } }

.calc-mode-toggle {
  display: inline-flex;
  width: 100%;
  max-width: 320px;
  margin: 0 0 1.25rem;
  padding: 0.25rem;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--green-soft);
  gap: 0.25rem;
}
.calc-mode-btn {
  flex: 1;
  border: 0;
  border-radius: 999px;
  padding: 0.55rem 0.9rem;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--muted);
  background: transparent;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, transform 0.15s ease;
}
.calc-mode-btn:hover { color: var(--navy); }
.calc-mode-btn.is-active {
  background: var(--white);
  color: var(--navy);
  box-shadow: 0 2px 10px rgba(26, 47, 79, 0.08);
}
.calc-nav-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.25rem;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}
.rates-below-calc {
  max-width: 900px;
  margin: 0 auto 1.75rem;
  padding: 1.25rem 1.35rem;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--white);
  text-align: center;
}
.rates-below-calc .rates-head {
  justify-content: center;
  text-align: center;
}
.rates-below-calc .rates-grid-single {
  margin-left: auto;
  margin-right: auto;
}
.rates-below-calc .rates-disclaimer {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.calc-guide-section { padding: 2.5rem 0 3rem; }
.calc-guide { max-width: 760px; }
.calc-guide h2 {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.calc-guide h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy);
  margin: 1.5rem 0 0.55rem;
}
.calc-guide p, .calc-guide li {
  font-size: 0.95rem;
  line-height: 1.55;
  color: var(--muted);
}
.calc-guide ul {
  margin: 0.5rem 0 0.75rem 1.15rem;
  padding: 0;
}
.calc-guide li { margin-bottom: 0.35rem; }
.calc-guide strong { color: var(--navy); font-weight: 700; }
.calc-guide-note {
  margin-top: 0.75rem;
  padding: 0.85rem 1rem;
  border-radius: 10px;
  background: var(--green-soft);
  border: 1px solid var(--line);
}

.rate-status { font-size: 0.78rem; color: var(--muted); margin-top: 0.5rem; min-height: 1.2em; }
.rate-disclaimer { font-style: italic; margin-top: 0.35rem; }
.req { color: var(--green); font-weight: 700; }

.journey-continue-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 16px;
  padding: 1.5rem; box-shadow: 0 8px 28px rgba(26,47,79,0.06);
}
.journey-continue-card h2 {
  font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-bottom: 0.35rem;
}
.journey-continue-card > p { font-size: 0.88rem; color: var(--muted); margin-bottom: 1rem; }
.journey-grid-compact { margin-top: 0.5rem; }
@media (min-width: 900px) {
  .journey-grid-compact { grid-template-columns: 1fr; }
}
@media (min-width: 1100px) {
  .calculator-grid-below { grid-template-columns: 1fr 1.1fr; }
  .journey-grid-compact { grid-template-columns: 1fr; }
}

/* ---- Home page ---- */
.home-hero {
  padding: 3rem 0 2.5rem;
  background: linear-gradient(165deg, var(--green-soft) 0%, var(--white) 48%);
}
.home-hero .hero-copy { max-width: 36rem; }

.rates-strip {
  padding: 2rem 0 2.5rem;
  background: var(--navy);
  color: rgba(255, 255, 255, 0.9);
  border-top: 3px solid var(--green);
}
.rates-head {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between;
  gap: 0.75rem 1.5rem; margin-bottom: 1.25rem;
}
.rates-strip h2 {
  font-size: 1.35rem; font-weight: 800; color: #fff; line-height: 1.2;
}
.rates-sub { font-size: 0.82rem; color: rgba(255, 255, 255, 0.65); margin-top: 0.25rem; }
.rates-status { font-size: 0.78rem; color: rgba(255, 255, 255, 0.55); }
.rates-grid {
  display: grid; gap: 0.85rem;
}
.rates-grid-single { max-width: 22rem; margin-left: auto; margin-right: auto; }
@media (min-width: 768px) { .rates-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 768px) { .rates-grid-single { grid-template-columns: 1fr; } }

.rate-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 14px;
  padding: 1.1rem 1.15rem;
}
.rate-card-base { background: rgba(61, 158, 71, 0.18); border-color: rgba(82, 184, 92, 0.35); }
.rate-card-tag {
  display: block; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--green-bright); margin-bottom: 0.45rem;
}
.rate-card-label { font-size: 0.82rem; color: rgba(255, 255, 255, 0.75); margin-bottom: 0.2rem; }
.rate-card-value {
  font-size: 1.85rem; font-weight: 800; color: #fff; line-height: 1.1;
  font-variant-numeric: tabular-nums;
}
.rate-card-lender { font-size: 0.88rem; font-weight: 600; color: #fff; margin-top: 0.35rem; }
.rate-card-hint { font-size: 0.78rem; color: rgba(255, 255, 255, 0.6); margin-top: 0.2rem; }
.rate-card-ltv {
  font-size: 0.8rem; font-weight: 700; color: var(--green-bright);
  margin-top: 0.25rem;
}
.rates-ltv-note {
  font-size: 0.78rem; color: rgba(255, 255, 255, 0.65);
  margin-top: 0.85rem; max-width: 52rem;
}
.rate-source-micro {
  font-size: 0.65rem; line-height: 1.45; color: rgba(255, 255, 255, 0.48);
  margin-top: 0.55rem;
}
.rate-source-link {
  display: inline-block; margin-top: 0.2rem;
  font-size: 0.62rem; color: rgba(255, 255, 255, 0.55);
  text-decoration: underline; text-underline-offset: 2px;
}
.rate-source-link:hover { color: var(--green-bright); }

.rates-strip-compact { padding: 1.75rem 0 2rem; }

.calc-row-4 { grid-template-columns: 1fr; }
@media (min-width: 640px) { .calc-row-4 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 900px) { .calc-row-4 { grid-template-columns: repeat(4, 1fr); } }

.calc-label-note { font-weight: 500; color: var(--muted); font-size: 0.75rem; }
.calc-readonly-wrap input {
  background: var(--cream); color: var(--navy); font-weight: 600;
  cursor: default;
}
.calc-readonly-wrap input:focus {
  border-color: var(--line); box-shadow: none;
}

.rates-disclaimer {
  margin-top: 1rem; font-size: 0.76rem; line-height: 1.55;
  color: rgba(255, 255, 255, 0.55); max-width: 52rem;
}
.rates-cta { margin-top: 1.25rem; }

.path-duo { padding: 2.5rem 0; }
.path-duo-grid {
  display: grid; gap: 1rem;
}
@media (min-width: 768px) { .path-duo-grid { grid-template-columns: 1fr 1fr; } }

.path-card {
  display: block; text-decoration: none; color: inherit;
  background: var(--white); border: 2px solid var(--line); border-radius: 16px;
  padding: 1.5rem 1.35rem; transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
}
.path-card:hover {
  border-color: var(--navy-soft); box-shadow: 0 12px 36px rgba(26, 47, 79, 0.1);
  transform: translateY(-2px); color: inherit;
}
.path-card-green:hover { border-color: var(--green); }
.path-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 2.5rem; height: 2.5rem; border-radius: 10px;
  background: var(--navy); color: #fff; font-weight: 800; font-size: 1.1rem;
  margin-bottom: 0.85rem;
}
.path-card-green .path-icon { background: var(--green); }
.path-card h3 { font-size: 1.2rem; font-weight: 800; color: var(--navy); margin-bottom: 0.4rem; }
.path-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.5; }
.path-cta {
  display: block; margin-top: 1rem; font-size: 0.88rem; font-weight: 700; color: var(--green);
}

.cta-band-actions { display: flex; flex-wrap: wrap; gap: 0.65rem; }
.btn-on-dark {
  background: transparent; color: #fff; border: 1.5px solid rgba(255, 255, 255, 0.45);
}
.btn-on-dark:hover { background: rgba(255, 255, 255, 0.1); color: #fff; border-color: #fff; }