/* ===========================================================
   Nick Jimerson | Colorado Mortgage Broker — Design System
   Palette: deep navy + warm gold, matching The Monday Mortgage Brief
   =========================================================== */

:root {
  /* Navy + blue sampled directly from the Edge Home Finance logo */
  --navy-900: #1e2a5e;
  --navy-800: #24316b;
  --navy-700: #34448f;
  --navy-050: #eef1fa;
  --accent-600: #3e5d9e;
  --accent-500: #5a7fc0;
  --accent-400: #93b1dd;
  --accent-050: #eef3fb;
  --stone-50: #f9fafc;
  --stone-100: #f1f3f8;
  --stone-200: #e2e6f0;
  --slate-600: #4b5566;
  --slate-500: #6b7686;
  --slate-900: #1c2430;
  --white: #ffffff;
  --success-50: #eef6ef;
  --success-700: #2f6b3a;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.06), 0 1px 3px rgba(10, 37, 64, 0.08);
  --shadow-md: 0 4px 16px rgba(10, 37, 64, 0.10);
  --shadow-lg: 0 12px 40px rgba(10, 37, 64, 0.14);
  --max-width: 1180px;
  --font-display: "Poppins", "Segoe UI", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--slate-900);
  background: var(--stone-50);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy-900);
  line-height: 1.15;
  margin: 0 0 0.5em;
  font-weight: 600;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.25rem, 4vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 2.6vw, 2.35rem); }
h3 { font-size: clamp(1.25rem, 1.8vw, 1.5rem); }
p { margin: 0 0 1.1em; color: var(--slate-600); }
ul, ol { color: var(--slate-600); padding-left: 1.3em; }
li { margin-bottom: 0.5em; }
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-600);
  margin-bottom: 0.9em;
}

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 249, 246, 0.92);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--stone-200);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  max-width: var(--max-width);
  margin: 0 auto;
  gap: 20px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy-900);
  white-space: nowrap;
}
.brand .brand-mark {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex: 0 0 auto;
  box-shadow: 0 0 0 1px rgba(30,42,94,0.08);
}
.brand .brand-mark img {
  width: 100%;
  height: 100%;
  display: block;
  border-radius: 50%;
}
.brand small {
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.68rem;
  letter-spacing: 0.06em;
  color: var(--slate-500);
  text-transform: uppercase;
}
nav.primary-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex-wrap: wrap;
}
nav.primary-nav > .nav-item {
  position: relative;
}
nav.primary-nav a.nav-link {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy-800);
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  background: none;
  border: none;
  font-family: var(--font-body);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
nav.primary-nav a.nav-link:hover { background: var(--stone-100); }
/* Dropdown = <details class="nav-item"><summary class="nav-link">…</summary><div class="dropdown-panel">…</div></details>
   Native <details> gives us click-to-open on every device with zero JS. */
details.nav-item summary.nav-link {
  list-style: none;
}
details.nav-item summary.nav-link::-webkit-details-marker { display: none; }
details.nav-item[open] summary.nav-link { background: var(--stone-100); }
.dropdown-panel {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  min-width: 280px;
  padding: 10px;
  margin-top: 6px;
  z-index: 50;
}
.dropdown-panel a {
  display: block;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--slate-900);
}
.dropdown-panel a:hover { background: var(--stone-100); color: var(--navy-900); }
.dropdown-panel .panel-heading {
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent-600);
  padding: 8px 12px 4px;
}
.header-ctas { display: flex; align-items: center; gap: 10px; }

/* Mobile menu toggle (pure CSS checkbox hack — no JS required) */
.nav-toggle-checkbox { position: absolute; opacity: 0; pointer-events: none; }
.mobile-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--stone-200);
  background: var(--white);
  cursor: pointer;
  flex: 0 0 auto;
}
.mobile-toggle .bar {
  display: block;
  width: 18px; height: 2px;
  background: var(--navy-900);
  position: relative;
}
.mobile-toggle .bar::before, .mobile-toggle .bar::after {
  content: "";
  position: absolute;
  left: 0; width: 18px; height: 2px;
  background: var(--navy-900);
}
.mobile-toggle .bar::before { top: -6px; }
.mobile-toggle .bar::after { top: 6px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 13px 24px;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: transform 0.12s ease, box-shadow 0.12s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy-900); color: var(--white); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--navy-800); box-shadow: var(--shadow-md); }
.btn-accent { background: var(--accent-500); color: var(--white); }
.btn-accent:hover { background: var(--accent-600); box-shadow: var(--shadow-md); }
.btn-outline { background: transparent; color: var(--navy-900); border-color: var(--navy-900); }
.btn-outline:hover { background: var(--navy-900); color: var(--white); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.55); }
.btn-outline-light:hover { background: rgba(255,255,255,0.12); border-color: var(--white); }
.btn-sm { padding: 9px 16px; font-size: 0.85rem; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 78px 0 90px;
  background: linear-gradient(180deg, var(--stone-50) 0%, var(--navy-050) 100%);
  overflow: hidden;
  border-bottom: 1px solid var(--stone-200);
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--stone-200);
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy-800);
  margin-bottom: 22px;
  box-shadow: var(--shadow-sm);
}
.hero h1 { margin-bottom: 0.28em; }
.hero .tagline {
  font-size: 1.2rem;
  color: var(--accent-600);
  font-weight: 700;
  margin-bottom: 0.7em;
}
.hero .lede { font-size: 1.08rem; max-width: 52ch; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin: 28px 0 20px; }
.hero-meta {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  font-size: 0.82rem;
  color: var(--slate-500);
  margin-top: 8px;
}
.hero-visual {
  position: relative;
}
.headshot-frame {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900));
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.55);
  text-align: center;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 30px;
  box-shadow: var(--shadow-lg);
  border: 6px solid var(--white);
}
.headshot-frame img { border-radius: calc(var(--radius-lg) - 6px); height: 100%; width: 100%; object-fit: cover; }
.mountain-strip {
  position: absolute;
  left: -10%;
  right: -10%;
  bottom: -1px;
  height: 60px;
  opacity: 0.5;
}

/* ---------- Sections ---------- */
section { padding: 72px 0; }
.section-tight { padding: 48px 0; }
.section-alt { background: var(--white); border-top: 1px solid var(--stone-200); border-bottom: 1px solid var(--stone-200); }
.section-navy { background: var(--navy-900); color: var(--stone-50); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: rgba(250,249,246,0.78); }
.section-head { max-width: 700px; margin-bottom: 42px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* Quick-answer grid (AEO-friendly Q&A blocks) */
.qa-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 20px;
}
.qa-card {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  padding: 26px;
  box-shadow: var(--shadow-sm);
}
.qa-card h3 { font-size: 1.05rem; margin-bottom: 0.5em; }
.qa-card p { font-size: 0.95rem; margin-bottom: 0; }
.qa-card .qa-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--accent-050);
  color: var(--accent-600);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  margin-bottom: 14px;
}

/* Cards / grids */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 22px;
}
.program-card {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  padding: 28px;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.program-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.program-card h3 { font-size: 1.1rem; }
.program-card p { font-size: 0.93rem; flex-grow: 1; }
.program-card .card-link { font-weight: 700; color: var(--navy-800); font-size: 0.88rem; margin-top: 10px; }
.program-card .card-link::after { content: " →"; }
.tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--navy-800);
  background: var(--navy-050);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 12px;
}

/* Steps / process */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 28px;
  counter-reset: step;
}
.step {
  position: relative;
  padding-left: 4px;
}
.step .step-num {
  counter-increment: step;
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--accent-500);
  margin-bottom: 6px;
  display: block;
}

/* Stats */
.stat-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 20px;
  text-align: center;
}
.stat { padding: 18px; }
.stat .stat-num {
  font-family: var(--font-display);
  font-size: 2.3rem;
  color: var(--accent-500);
  font-weight: 700;
}
.stat .stat-label { font-size: 0.85rem; color: var(--slate-500); font-weight: 600; }

/* Testimonial / quote */
.quote-block {
  border-left: 3px solid var(--accent-500);
  padding-left: 24px;
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--navy-900);
  font-style: italic;
}

/* Breadcrumbs */
.breadcrumbs {
  font-size: 0.82rem;
  color: var(--slate-500);
  padding: 18px 0 0;
}
.breadcrumbs a { color: var(--slate-500); font-weight: 600; }
.breadcrumbs a:hover { color: var(--navy-800); }
.breadcrumbs .sep { margin: 0 6px; opacity: 0.5; }

/* FAQ / accordion */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  padding: 18px 22px;
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.98rem;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.4rem;
  color: var(--accent-500);
  flex: 0 0 auto;
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item .faq-body { padding: 0 22px 20px; font-size: 0.94rem; }

/* Two-column content layout */
.content-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
  align-items: start;
}
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 96px;
}
.sidebar-card h4 { font-size: 1rem; margin-bottom: 14px; }
.sidebar-card ul { padding-left: 0; list-style: none; }
.sidebar-card li { margin-bottom: 10px; font-size: 0.9rem; }
.sidebar-card li a { font-weight: 600; color: var(--navy-800); }
.sidebar-card li a:hover { color: var(--accent-600); }
.disclosure-box {
  background: var(--stone-100);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  font-size: 0.82rem;
  color: var(--slate-500);
  margin-top: 18px;
}

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-lg);
  padding: 52px;
  color: var(--white);
  text-align: center;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(250,249,246,0.8); max-width: 60ch; margin-left: auto; margin-right: auto; }
.cta-band .hero-ctas { justify-content: center; }

/* Local area grid */
.area-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 18px;
}
.area-pill {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  font-weight: 700;
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.area-pill:hover { border-color: var(--accent-500); }
.area-pill span.arrow { color: var(--accent-500); }

/* Blog list */
.post-list { display: flex; flex-direction: column; gap: 0; }
.post-row {
  display: grid;
  grid-template-columns: 140px 1fr;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--stone-200);
}
.post-row .post-date { font-size: 0.82rem; color: var(--slate-500); font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; }
.post-row h3 { margin-bottom: 6px; }
.post-row .post-excerpt { font-size: 0.94rem; margin-bottom: 8px; }

/* Footer */
.site-footer {
  background: var(--navy-900);
  color: rgba(250,249,246,0.8);
  padding: 64px 0 28px;
  margin-top: 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 42px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand { display: flex; flex-direction: column; gap: 14px; }
.footer-brand .brand-mark { box-shadow: 0 0 0 1px rgba(255,255,255,0.18); }
.footer-brand p { color: rgba(250,249,246,0.65); font-size: 0.88rem; max-width: 32ch; }
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { font-size: 0.9rem; color: rgba(250,249,246,0.75); }
.footer-col a:hover { color: var(--accent-400); }
.footer-legal {
  padding-top: 26px;
  font-size: 0.78rem;
  color: rgba(250,249,246,0.55);
  line-height: 1.7;
}
.footer-legal p { color: rgba(250,249,246,0.55); font-size: 0.78rem; margin-bottom: 0.8em; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 22px;
  font-size: 0.78rem;
  color: rgba(250,249,246,0.45);
}
.footer-social { display: flex; gap: 12px; }
.footer-social a {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
}
.footer-social a:hover { background: var(--accent-500); color: var(--navy-900); }

/* Utility */
.equal-housing {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(250,249,246,0.65);
}
.equal-housing img {
  background: var(--white);
  border-radius: 4px;
  padding: 2px;
}
.footer-affiliate-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.92);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  width: fit-content;
}
.footer-affiliate-badge span {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--slate-500);
  white-space: nowrap;
}
.footer-affiliate-badge img { height: 26px; width: auto; }
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--navy-900); color: var(--white);
  padding: 10px 16px; z-index: 200;
}
.skip-link:focus { left: 16px; top: 16px; }

@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 320px; margin: 0 auto; }
  .content-grid { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  nav.primary-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    background: var(--white);
    border-bottom: 1px solid var(--stone-200);
    box-shadow: var(--shadow-lg);
    padding: 10px 16px 18px;
  }
  nav.primary-nav > .nav-item { width: 100%; }
  nav.primary-nav a.nav-link, details.nav-item summary.nav-link { width: 100%; padding: 12px 10px; }
  .dropdown-panel {
    position: static;
    box-shadow: none;
    border: none;
    margin-top: 0;
    padding: 0 0 6px 14px;
    min-width: 0;
  }
  .nav-toggle-checkbox:checked ~ nav.primary-nav { display: flex; }
  .mobile-toggle { display: inline-flex; }
  .header-ctas .btn-outline { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  section { padding: 52px 0; }
}

/* ---------- Mortgage Calculator ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: start;
}
.calc-card {
  background: var(--white);
  border: 1px solid var(--stone-200);
  border-radius: var(--radius-md);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.calc-field { margin-bottom: 22px; }
.calc-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 8px;
}
.calc-field .calc-input-wrap { position: relative; }
.calc-field input[type="number"], .calc-field input[type="text"], .calc-field select {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 12px 14px;
  border: 1.5px solid var(--stone-200);
  border-radius: var(--radius-sm);
  background: var(--stone-50);
  color: var(--slate-900);
  appearance: none;
}
.calc-field input:focus, .calc-field select:focus {
  outline: none;
  border-color: var(--accent-500);
  background: var(--white);
}
.calc-field .calc-prefix, .calc-field .calc-suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.92rem;
  color: var(--slate-500);
  font-weight: 600;
  pointer-events: none;
}
.calc-field .calc-prefix { left: 14px; }
.calc-field .calc-suffix { right: 14px; }
.calc-field.has-prefix input { padding-left: 28px; }
.calc-field.has-suffix input { padding-right: 34px; }
.calc-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.calc-term-toggle { display: flex; gap: 8px; flex-wrap: wrap; }
.calc-term-toggle button {
  flex: 1;
  min-width: 70px;
  padding: 11px 10px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--stone-200);
  background: var(--stone-50);
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy-800);
  cursor: pointer;
  font-family: var(--font-body);
}
.calc-term-toggle button.active {
  background: var(--navy-900);
  border-color: var(--navy-900);
  color: var(--white);
}
.calc-result-card {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--white);
  position: sticky;
  top: 96px;
}
.calc-result-card .calc-total-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-400);
  margin-bottom: 6px;
}
.calc-result-card .calc-total-num {
  font-family: var(--font-display);
  font-size: 2.6rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.calc-result-card .calc-total-sub { font-size: 0.85rem; color: rgba(255,255,255,0.65); margin-bottom: 24px; }
.calc-breakdown { border-top: 1px solid rgba(255,255,255,0.16); padding-top: 18px; }
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
  padding: 8px 0;
  color: rgba(255,255,255,0.85);
}
.calc-breakdown-row strong { color: var(--white); font-weight: 700; }
.calc-note {
  font-size: 0.78rem;
  color: var(--slate-500);
  margin-top: 18px;
  line-height: 1.6;
}
@media (max-width: 900px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-result-card { position: static; }
}

/* ---------- Homepage narrative components ---------- */
.pull-statement {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  color: var(--navy-900);
  line-height: 1.35;
  margin-bottom: 0.7em;
}
.narrative-copy p { font-size: 1.03rem; }
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 920px;
}
.compare-card {
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--stone-200);
}
.compare-card.is-muted { background: var(--stone-100); }
.compare-card.is-accent { background: var(--navy-900); border-color: var(--navy-900); }
.compare-card.is-accent h3, .compare-card.is-accent .compare-num { color: var(--white); }
.compare-card.is-accent p { color: rgba(250,249,246,0.78); }
.compare-num {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--slate-500);
  display: block;
  margin-bottom: 8px;
}
.compare-vs {
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--slate-500);
  font-size: 0.85rem;
}
@media (max-width: 720px) {
  .compare-grid { grid-template-columns: 1fr; }
}

.dual-cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
.dual-cta-card {
  border-radius: var(--radius-lg);
  padding: 36px;
  display: flex;
  flex-direction: column;
}
.dual-cta-card.is-primary { background: linear-gradient(155deg, var(--navy-900), var(--navy-700)); color: var(--white); }
.dual-cta-card.is-primary h3, .dual-cta-card.is-primary p { color: var(--white); }
.dual-cta-card.is-primary p { color: rgba(250,249,246,0.78); }
.dual-cta-card.is-secondary { background: var(--white); border: 1.5px solid var(--stone-200); }
.dual-cta-card .btn { margin-top: auto; align-self: flex-start; }
.dual-cta-card p { flex-grow: 1; }
@media (max-width: 720px) {
  .dual-cta-grid { grid-template-columns: 1fr; }
}