/* Layout concept: a homeowner's ledger. Left-aligned reading column, tools framed like statements,
   one spruce accent for the money you keep, amber only for savings. */
:root {
  --paper: #f6f8f6;
  --panel: #ffffff;
  --ink: #14211d;
  --ink-2: #4a5a54;
  --line: #d6ded9;
  --spruce: #0e6a51;
  --spruce-ink: #ffffff;
  --spruce-soft: #e3f0ea;
  --amber: #b97710;
  --amber-soft: #fbf0dc;
  --owed: #2b3b36;
  --warn: #9a3412;
  --focus: #1b7f62;
  --f-display: "Bricolage Grotesque", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --f-body: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --f-num: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --s1: .25rem; --s2: .5rem; --s3: .75rem; --s4: 1rem; --s5: 1.5rem; --s6: 2rem; --s7: 3rem; --s8: 4.5rem;
  --r: 6px;
  --measure: 66ch;
  --wide: 72rem;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #0f1513; --panel: #161e1b; --ink: #e5ece8; --ink-2: #a3b2ab; --line: #2b3833;
    --spruce: #4cc39a; --spruce-ink: #0b1411; --spruce-soft: #18302a; --amber: #f0b95a; --amber-soft: #2f2615;
    --owed: #6f8279; --warn: #f19a6b; --focus: #6fd6b0; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --paper: #0f1513; --panel: #161e1b; --ink: #e5ece8; --ink-2: #a3b2ab; --line: #2b3833;
  --spruce: #4cc39a; --spruce-ink: #0b1411; --spruce-soft: #18302a; --amber: #f0b95a; --amber-soft: #2f2615;
  --owed: #6f8279; --warn: #f19a6b; --focus: #6fd6b0; color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 400 1.0625rem/1.65 var(--f-body);
}
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 10; background: var(--paper); }
img { max-width: 100%; }
a { color: var(--spruce); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 3px; }
h1, h2, h3 { font-family: var(--f-display); line-height: 1.12; text-wrap: balance; letter-spacing: -0.015em; margin: 0; }
h1 { font-size: clamp(2.1rem, 1.4rem + 3vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.45rem, 1.2rem + 1vw, 1.95rem); font-weight: 650; }
h3 { font-size: 1.2rem; font-weight: 650; }
p { margin: 0; }
.num, .tabular { font-family: var(--f-num); font-variant-numeric: tabular-nums; }
.eyebrow { font: 600 .78rem/1.2 var(--f-body); letter-spacing: .09em; text-transform: uppercase; color: var(--ink-2); }

.wrap {
  max-width: var(--wide); margin-inline: auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
}

/* Header */
.site-head { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 9; background: var(--paper); border-bottom: 1px solid var(--line); }
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; gap: var(--s4); padding-block: var(--s3); flex-wrap: wrap; }
.logo { display: inline-flex; align-items: center; gap: 2px; font: 700 1.25rem/1 var(--f-display); color: var(--ink); text-decoration: none; letter-spacing: -0.02em; }
.logo b { background: var(--spruce); color: var(--spruce-ink); padding: 3px 6px 4px; border-radius: 4px; margin-left: 3px; font-weight: 700; }
.nav { display: flex; gap: var(--s4); flex-wrap: wrap; align-items: center; font-size: .95rem; }
.nav a { color: var(--ink); text-decoration: none; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--spruce); }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4em;
  font: 600 1rem/1 var(--f-body); padding: .85em 1.2em; border-radius: var(--r);
  background: var(--spruce); color: var(--spruce-ink); border: 1px solid var(--spruce); text-decoration: none; cursor: pointer;
}
.btn:hover { filter: brightness(1.08); }
.btn.ghost { background: transparent; color: var(--spruce); }
.btn.small { padding: .6em .9em; font-size: .92rem; }
@media (max-width: 720px) { .nav .hide-sm { display: none; } }

/* Sections */
main { display: block; }
.band { padding-block: var(--s7); }
.band + .band { border-top: 1px solid var(--line); }
.hero { padding-block: var(--s7) var(--s6); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: var(--s7); align-items: start; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: minmax(0, 1fr); gap: var(--s6); } }
.hero p.lead { font-size: 1.2rem; color: var(--ink-2); max-width: 46ch; margin-top: var(--s4); }
.stack { display: flex; flex-direction: column; gap: var(--s4); }
.row { display: flex; gap: var(--s3); flex-wrap: wrap; align-items: center; }

/* Three paths */
.paths { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s5); margin-top: var(--s5); }
@media (max-width: 820px) { .paths { grid-template-columns: 1fr; } }
.path { display: flex; flex-direction: column; gap: var(--s2); padding-top: var(--s4); border-top: 3px solid var(--ink); text-decoration: none; color: var(--ink); }
.path.main { border-top-color: var(--spruce); }
.path h3 { color: var(--ink); }
.path p { color: var(--ink-2); }
.path span.go { color: var(--spruce); font-weight: 600; margin-top: auto; }

/* Statement panel (tools) */
.statement { background: var(--panel); border: 1px solid var(--line); border-radius: 10px; padding: var(--s5); display: flex; flex-direction: column; gap: var(--s4); }
.statement header { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s3); border-bottom: 1px dashed var(--line); padding-bottom: var(--s3); flex-wrap: wrap; }
.statement header h2, .statement header h3 { font-size: 1.15rem; }
.fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s3) var(--s4); }
.fields.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 560px) { .fields, .fields.three { grid-template-columns: 1fr; } }
label.f { display: flex; flex-direction: column; gap: 4px; font-size: .88rem; color: var(--ink-2); font-weight: 600; min-width: 0; }
.input { position: relative; display: flex; align-items: center; }
.input .pre, .input .post { position: absolute; color: var(--ink-2); font-family: var(--f-num); font-size: .95rem; pointer-events: none; }
.input .pre { left: .7rem; } .input .post { right: .7rem; }
input[type="text"], input[type="number"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; font: 500 1rem/1.3 var(--f-num); color: var(--ink); background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--r); padding: .65rem .75rem; min-width: 0;
}
select, textarea { font-family: var(--f-body); }
.input.has-pre input { padding-left: 1.6rem; } .input.has-post input { padding-right: 1.9rem; }
input:focus, select:focus, textarea:focus { border-color: var(--spruce); outline: none; box-shadow: 0 0 0 3px var(--spruce-soft); }
.figures { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s3); }
@media (max-width: 480px) { .figures { grid-template-columns: 1fr; } }
.fig { display: flex; flex-direction: column; gap: 2px; padding: var(--s3) 0; border-top: 1px solid var(--line); }
.fig .k { font-size: .82rem; color: var(--ink-2); font-weight: 600; }
.fig .v { font: 600 1.55rem/1.15 var(--f-num); font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }
.fig.big .v { font-size: 2.2rem; color: var(--spruce); }
.fig.save .v { color: var(--amber); }
.note { font-size: .85rem; color: var(--ink-2); }
.callout { background: var(--amber-soft); border-left: 3px solid var(--amber); padding: var(--s3) var(--s4); border-radius: 0 var(--r) var(--r) 0; font-size: .95rem; }
.callout.green { background: var(--spruce-soft); border-left-color: var(--spruce); }

/* Equity stack bar */
.equity { display: flex; flex-direction: column; gap: var(--s2); }
.equity .bar { display: flex; height: 34px; border-radius: 5px; overflow: hidden; border: 1px solid var(--line); background: var(--paper); }
.equity .seg { height: 100%; transition: width .35s ease; min-width: 0; }
.seg.owed { background: var(--owed); }
.seg.line { background: var(--spruce); }
.seg.kept { background: repeating-linear-gradient(135deg, var(--line) 0 6px, transparent 6px 12px); }
.legend { display: flex; flex-wrap: wrap; gap: var(--s2) var(--s4); font-size: .82rem; color: var(--ink-2); }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: 6px; vertical-align: -1px; }
@media (prefers-reduced-motion: reduce) { .equity .seg { transition: none; } }

/* Debt table */
.debts { width: 100%; border-collapse: collapse; font-size: .95rem; }
.debts th { text-align: left; font-size: .78rem; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-2); font-weight: 600; padding: 0 6px 6px 0; }
.debts td { padding: 4px 6px 4px 0; vertical-align: middle; }
.debts td:last-child { width: 2.2rem; padding-right: 0; }
.debts td:first-child { min-width: 9rem; width: 30%; }
.debts td:nth-child(2), .debts td:nth-child(4) { min-width: 7rem; }
.debts td:nth-child(3) { min-width: 6.5rem; }
.scroll-x { overflow-x: auto; }
.iconbtn { background: none; border: 1px solid var(--line); color: var(--ink-2); border-radius: var(--r); width: 2rem; height: 2rem; cursor: pointer; font-size: 1.1rem; line-height: 1; }
.iconbtn:hover { color: var(--warn); border-color: var(--warn); }
.linkbtn { background: none; border: 0; padding: 0; color: var(--spruce); font: 600 .95rem var(--f-body); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }

/* Article */
.crumbs { font-size: .85rem; color: var(--ink-2); display: flex; gap: .4em; flex-wrap: wrap; }
.crumbs a { color: var(--ink-2); }
.article { display: grid; grid-template-columns: minmax(0, var(--measure)) minmax(0, 1fr); gap: var(--s7); padding-block: var(--s6) var(--s8); }
@media (max-width: 980px) { .article { grid-template-columns: minmax(0, 1fr); gap: var(--s6); } }
.prose { display: flex; flex-direction: column; gap: var(--s4); min-width: 0; }
.prose h1 { margin-top: var(--s2); }
.prose h2 { margin-top: var(--s5); }
.prose h3 { margin-top: var(--s3); }
.prose ul, .prose ol { margin: 0; padding-left: 1.3rem; display: flex; flex-direction: column; gap: var(--s2); }
.prose .dek { font-size: 1.18rem; color: var(--ink-2); }
.byline { font-size: .88rem; color: var(--ink-2); display: flex; gap: var(--s3); flex-wrap: wrap; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding-block: var(--s2); }
.answer { background: var(--spruce-soft); border-radius: var(--r); padding: var(--s4); display: flex; flex-direction: column; gap: var(--s2); }
.answer .eyebrow { color: var(--spruce); }
table.data { width: 100%; border-collapse: collapse; font-size: .95rem; }
table.data th, table.data td { text-align: left; padding: .55rem .7rem .55rem 0; border-bottom: 1px solid var(--line); vertical-align: top; }
table.data th { font-size: .78rem; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-2); font-weight: 600; }
table.data td.n, table.data th.n { text-align: right; font-family: var(--f-num); font-variant-numeric: tabular-nums; }
.math { font-family: var(--f-num); font-size: .95rem; background: var(--panel); border: 1px solid var(--line); border-radius: var(--r); padding: var(--s3) var(--s4); overflow-x: auto; white-space: pre; }
aside.rail { display: flex; flex-direction: column; gap: var(--s5); min-width: 0; }
@media (min-width: 981px) { aside.rail .sticky { position: sticky; top: calc(env(safe-area-inset-top, 0px) + 5rem); display: flex; flex-direction: column; gap: var(--s5); } }
.toc { font-size: .92rem; display: flex; flex-direction: column; gap: var(--s2); border-left: 2px solid var(--line); padding-left: var(--s4); }
.toc a { color: var(--ink-2); text-decoration: none; }
.toc a:hover { color: var(--spruce); }
.related { display: flex; flex-direction: column; gap: var(--s2); font-size: .95rem; }

/* Chart */
.chart svg { max-width: 100%; height: auto; display: block; }
.chart .axis { stroke: var(--line); }
.chart text { fill: var(--ink-2); font: 500 11px var(--f-num); }

/* Rates */
.ratehead { display: flex; gap: var(--s6); flex-wrap: wrap; align-items: flex-end; }
.ratehead .fig { border: 0; padding: 0; }
.ratehead .fig .v { font-size: 3rem; color: var(--spruce); }

/* Form steps */
.steps { display: flex; gap: var(--s2); margin-bottom: var(--s2); }
.steps span { height: 4px; flex: 1; background: var(--line); border-radius: 2px; }
.steps span.on { background: var(--spruce); }
.choices { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s3); }
@media (max-width: 480px) { .choices { grid-template-columns: 1fr; } }
.choice { display: flex; gap: var(--s3); align-items: flex-start; border: 1px solid var(--line); border-radius: var(--r); padding: var(--s3) var(--s4); cursor: pointer; background: var(--paper); }
.choice:has(input:checked) { border-color: var(--spruce); background: var(--spruce-soft); }
.choice input { margin-top: .35rem; accent-color: var(--spruce); }
.choice b { display: block; }
.choice small { color: var(--ink-2); }
.consent { font-size: .8rem; color: var(--ink-2); line-height: 1.5; }
.err { color: var(--warn); font-size: .9rem; }

/* Placeholder marker for unset config */
.todo { background: var(--amber-soft); color: var(--amber); border: 1px dashed var(--amber); border-radius: 3px; padding: 0 .3em; font-size: .9em; font-family: var(--f-num); }

/* Footer */
.site-foot { border-top: 1px solid var(--line); padding-block: var(--s6) var(--s7); font-size: .88rem; color: var(--ink-2); }
.foot-grid { display: grid; grid-template-columns: 1.4fr repeat(3, minmax(0, 1fr)); gap: var(--s5); }
@media (max-width: 820px) { .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .foot-grid { grid-template-columns: 1fr; } }
.foot-grid h4, .foot-grid .foot-h { margin: 0 0 var(--s2); font: 600 .78rem/1.2 var(--f-body); letter-spacing: .09em; text-transform: uppercase; color: var(--ink); }
.foot-grid ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 6px; }
.foot-grid a { color: var(--ink-2); }
.legal { margin-top: var(--s5); padding-top: var(--s4); border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: var(--s2); font-size: .8rem; }
.ehl { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--ink); }
.ehl svg { width: 22px; height: 22px; }

/* Hubs */
.statecards { display: grid; grid-template-columns: repeat(auto-fill, minmax(11rem, 1fr)); gap: var(--s3) var(--s4); margin-top: var(--s4); }
.statecards .path { padding-top: var(--s3); border-top-width: 2px; }
.statecards .path h3 { font-size: 1.05rem; }
.guide-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 20rem), 1fr)); gap: var(--s6) var(--s5); margin-top: var(--s5); }
.guide-group { display: flex; flex-direction: column; gap: var(--s3); border-top: 3px solid var(--ink); padding-top: var(--s3); min-width: 0; }
.guide-group h2 { font-size: 1.2rem; }
.guide-links { display: flex; flex-direction: column; gap: 6px; }
.paths { grid-auto-rows: auto; }
.headshot { width: 160px; height: 160px; object-fit: cover; border-radius: 8px; border: 1px solid var(--line); }
.trust { padding-block: var(--s6); }
.trust-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)) minmax(0, 1.4fr); gap: var(--s5); align-items: end; }
.trust-row .fig { border-top: 0; padding: 0; }
.trust-row .fig .v { color: var(--spruce); }
@media (max-width: 820px) { .trust-row { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 420px) { .trust-row { grid-template-columns: 1fr; } }
.job { display: flex; flex-direction: column; gap: var(--s2); padding-block: var(--s2); border-top: 1px solid var(--line); }
.utility { background: var(--ink); color: var(--paper); font-size: .82rem; }
.utility .wrap { display: flex; gap: .3rem 1.1rem; justify-content: flex-end; flex-wrap: wrap; padding-block: 6px; }
.utility a { color: var(--paper); }
@media (max-width: 720px) { .utility .wrap { justify-content: space-between; } .utility .hide-sm { display: none; } }
.quote { margin: 0; display: flex; flex-direction: column; gap: var(--s3); border-top: 3px solid var(--spruce); padding-top: var(--s4); }
.quote blockquote { margin: 0; font-size: 1.05rem; }
.quote figcaption { font-size: .88rem; color: var(--ink-2); }
.gloss { margin: 0; display: grid; grid-template-columns: minmax(9rem, 14rem) minmax(0, 1fr); gap: var(--s3) var(--s5); }
.gloss dt { font-weight: 600; }
.gloss dd { margin: 0; color: var(--ink); }
@media (max-width: 600px) { .gloss { grid-template-columns: 1fr; gap: 2px; } .gloss dd { margin-bottom: var(--s3); } }
.statement, .hero-grid > * { min-width: 0; }
.nav a.btn, .nav a.btn:hover { color: var(--spruce-ink); }

/* Tool controls v2 */
.tool .fields { gap: var(--s4) var(--s5); }
.f { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.f > label, .f .flabel { font-size: .88rem; color: var(--ink-2); font-weight: 600; }
.f .note { font-weight: 400; font-size: .8rem; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 22px; background: transparent; margin: 0; cursor: pointer; }
input[type="range"]::-webkit-slider-runnable-track { height: 4px; background: var(--line); border-radius: 2px; }
input[type="range"]::-moz-range-track { height: 4px; background: var(--line); border-radius: 2px; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--panel); border: 3px solid var(--spruce); margin-top: -8px; box-shadow: 0 1px 2px rgba(0,0,0,.15); }
input[type="range"]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: var(--panel); border: 3px solid var(--spruce); }
input[type="range"]:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }
.segs { display: flex; border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; background: var(--paper); }
.segs button { flex: 1 1 0; min-width: 0; border: 0; border-right: 1px solid var(--line); background: transparent; color: var(--ink); font: 600 .9rem/1 var(--f-body); padding: .7rem .4rem; cursor: pointer; white-space: nowrap; }
.segs button:last-child { border-right: 0; }
.segs button[aria-pressed="true"] { background: var(--spruce); color: var(--spruce-ink); }
.segs button:hover:not([aria-pressed="true"]) { background: var(--spruce-soft); }
.tool .fig .v { transition: color .2s; }
.seg.amber { background: var(--amber); }
.cmp { display: flex; flex-direction: column; gap: var(--s2); }
.cmp-row { display: grid; grid-template-columns: minmax(7rem, 11rem) minmax(0, 1fr) auto; align-items: center; gap: var(--s3); font-size: .9rem; }
.cmp-l { color: var(--ink-2); }
.cmp-track { height: 18px; background: var(--paper); border-radius: 4px; overflow: hidden; border: 1px solid var(--line); }
.cmp-bar { display: block; height: 100%; transition: width .35s ease; }
.cmp-bar.good { background: var(--spruce); }
.cmp-bar.owe { background: var(--owed); }
.cmp-v { font-weight: 600; min-width: 5.5rem; text-align: right; }
@media (max-width: 480px) { .cmp-row { grid-template-columns: minmax(0, 1fr) auto; } .cmp-track { grid-column: 1 / -1; grid-row: 2; } }
.gauge { padding: var(--s5) 0 var(--s2); }
.g-track { position: relative; height: 10px; border-radius: 5px; background: linear-gradient(90deg, var(--line) 0 62.5%, var(--spruce-soft) 62.5% 78.1%, var(--spruce-soft) 78.1%); border: 1px solid var(--line); }
.g-mark { position: absolute; top: -6px; bottom: -6px; width: 2px; background: var(--ink-2); }
.g-mark i { position: absolute; top: -18px; left: 50%; transform: translateX(-50%); font: 600 .72rem var(--f-num); font-style: normal; color: var(--ink-2); }
.g-dot { position: absolute; top: 50%; width: 18px; height: 18px; margin: -9px 0 0 -9px; border-radius: 50%; border: 3px solid var(--panel); transition: left .35s ease; box-shadow: 0 0 0 1px var(--line); }
.g-dot.good { background: var(--spruce); } .g-dot.ok { background: var(--amber); } .g-dot.low { background: var(--warn); }
@media (prefers-reduced-motion: reduce) { .cmp-bar, .g-dot, .tool .fig .v { transition: none; } }
.tool-faq { display: flex; flex-direction: column; gap: var(--s3); }
.tool-faq h3 { font-size: 1.05rem; }
.byline { align-items: center; }
.byline-pic { width: 36px; height: 36px; border-radius: 50%; object-fit: cover; }
.byline a { color: inherit; }
@media (max-width: 600px) { .math { white-space: pre-wrap; overflow-wrap: anywhere; } }
.revs,.prose .revs{list-style:none;padding:0 !important;margin:1rem 0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:.6rem}
.revs li,.prose .revs li{margin:0;border:1px solid var(--line);border-radius:10px;padding:.65rem .8rem;display:flex;flex-direction:column;gap:.15rem;background:var(--panel)}
.revs li span{font-size:.88rem;color:var(--ink-2)}
.revs li .st{color:var(--amber,#b7791f);font-weight:600}
.videos{grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.path.video{padding:0;overflow:hidden;gap:.4rem}
.path.video img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block;background:var(--line)}
.path.video h3,.path.video p{padding:0 .9rem}.path.video p{padding-bottom:.9rem}
.goals{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.6rem}
.goal{display:flex;flex-direction:column;gap:.15rem;padding:.8rem .95rem;border:1px solid var(--line);border-radius:10px;background:var(--panel);color:var(--ink);text-decoration:none;transition:border-color .15s,transform .15s}
.goal:hover,.goal:focus-visible{border-color:var(--spruce);transform:translateY(-1px)}
.goal b{font-weight:600}.goal small{color:var(--ink-2);font-size:.85rem}
.yt{position:relative;display:block;width:100%;padding:0;border:0;border-radius:12px;overflow:hidden;cursor:pointer;background:var(--line);aspect-ratio:16/9}
.yt img{width:100%;height:100%;object-fit:cover;display:block}
.yt-play{position:absolute;inset:0;margin:auto;width:68px;height:48px;border-radius:12px;background:rgba(0,0,0,.72)}
.yt-play::after{content:"";position:absolute;left:27px;top:14px;border-style:solid;border-width:10px 0 10px 17px;border-color:transparent transparent transparent #fff}
.yt:hover .yt-play,.yt:focus-visible .yt-play{background:#c00}
.yt-frame{width:100%;aspect-ratio:16/9;border:0;border-radius:12px;display:block}
details.faq{border-top:1px solid var(--line);padding:.7rem 0}
details.faq summary{cursor:pointer;font-weight:600}
details.faq p{margin:.5rem 0 0}
.told-no{border-left:4px solid var(--amber)}
@media (prefers-reduced-motion: reduce){.goal{transition:none}}
.disclosure{font-size:.9rem;margin-top:2rem}
.tx-notice{font-size:.85rem;letter-spacing:.01em;line-height:1.5}

/* Call me back */
.cb-fab { position: fixed; right: 16px; bottom: 16px; z-index: 50; display: inline-flex; align-items: center; gap: .5em; padding: .8em 1.15em; border-radius: 999px; border: 1px solid var(--line); background: var(--panel); color: var(--ink); font: 600 .98rem var(--f-body); box-shadow: 0 6px 22px rgba(0,0,0,.18); cursor: pointer; }
.cb-fab svg { width: 1.1em; height: 1.1em; color: var(--spruce); }
.cb-fab:hover { border-color: var(--spruce); }
#cb { width: min(520px, calc(100vw - 32px)); max-height: calc(100vh - 32px); overflow: auto; border: 1px solid var(--line); border-radius: 14px; background: var(--panel); color: var(--ink); padding: 1.25rem; }
#cb::backdrop { background: rgba(10,15,13,.55); }
#cb .fields { grid-template-columns: 1fr 1fr; }
@media (max-width: 520px) { #cb .fields { grid-template-columns: 1fr; } .cb-fab { padding: .7em 1em; } }
@media print { .cb-fab { display: none; } }

/* Small lead forms */
.mini-lead { display: flex; flex-direction: column; gap: var(--s3); }
.mini-lead .ml-h { font: 600 1.05rem var(--f-head, inherit); }
.mini-lead .ml-row { display: grid; grid-template-columns: 1fr 1.4fr; gap: var(--s3); }
.mini-lead .note, .mini-lead .consent { margin: 0; }
.ml-done { display: flex; flex-direction: column; gap: var(--s2); }
.rail-alert .ml-row { grid-template-columns: 1fr; }
.rail-alert .mini-lead .consent { font-size: .8rem; }
details.email-results { border-top: 1px solid var(--line); padding-top: var(--s3); }
details.email-results > summary { cursor: pointer; color: var(--spruce); font-weight: 600; list-style-position: inside; }
details.email-results[open] > summary { margin-bottom: var(--s3); }
.tool .beat { border-top: 1px solid var(--line); padding-top: var(--s4); }
ol.next-steps { display: flex; flex-direction: column; gap: var(--s2); padding-left: 1.2em; }
@media (max-width: 520px) { .mini-lead .ml-row { grid-template-columns: 1fr; } }
.mini-lead[hidden], .ml-done[hidden], #cb-form[hidden], #cb-done[hidden] { display: none; }

/* Lists in two columns, quizzes */
ul.cols { columns: 2; column-gap: 2rem; }
@media (max-width: 600px) { ul.cols { columns: 1; } }
.tool.quiz { border: 1px solid var(--line); border-radius: 12px; padding: 1rem 1.1rem; background: var(--panel); display: grid; gap: .6rem; margin: 1rem 0; }
.tool.quiz fieldset { border: 0; padding: 0; margin: 0 0 .4rem; display: grid; gap: .35rem; }
.tool.quiz legend { font-weight: 600; margin-bottom: .3rem; }
.tool.quiz label { display: flex; gap: .55rem; align-items: flex-start; line-height: 1.4; }
.tool.quiz input { margin-top: .25rem; flex: none; }
.quiz-out { border-top: 1px solid var(--line); padding-top: .7rem; }

.ask-shawn { margin-top: 2.5rem; border-top: 1px solid var(--line); padding-top: 1.5rem; }
.ask-shawn textarea { width: 100%; font: inherit; padding: .7rem .8rem; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--ink); resize: vertical; }
.ml-q { display: block; margin: .5rem 0 .75rem; }

.guide-offer { display: grid; grid-template-columns: 150px 1fr; gap: 1.25rem; align-items: start; border: 1px solid var(--line); border-radius: 14px; padding: 1.1rem; background: var(--panel); margin: 2rem 0; }
.go-cover { aspect-ratio: 8.5/11; background: #0e6a51; color: #fff; border-radius: 8px; padding: .8rem; display: flex; flex-direction: column; justify-content: space-between; box-shadow: 0 6px 18px rgba(0,0,0,.15); }
.go-cover span { font: 700 .8rem var(--f-head, sans-serif); } .go-cover span b { background: #fff; color: #0e6a51; padding: 0 3px; border-radius: 3px; margin-left: 1px; }
.go-cover strong { font: 700 1.05rem/1.15 var(--f-head, sans-serif); } .go-cover small { opacity: .85; font-size: .72rem; }
@media (max-width: 560px) { .guide-offer { grid-template-columns: 1fr; } .go-cover { max-width: 140px; } }

.goal .goal-main { display: flex; flex-direction: column; gap: .15rem; color: var(--ink); text-decoration: none; }
.goal .goal-rr { display: flex; gap: .9rem; margin-top: .45rem; font-size: .85rem; }
.goal .goal-rr a { color: var(--spruce); }
.goal:hover { transform: none; }
#lead-form textarea { width: 100%; font: inherit; padding: .7rem .8rem; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--ink); resize: vertical; }

.trust-strip { margin: .25rem 0 .5rem; font-size: .85rem; color: var(--ink-2); font-weight: 600; letter-spacing: .01em; }

/* Responsive experience: shared navigation, clear form states, and touch controls. */
[hidden]:not([hidden="until-found"]) { display: none !important; }
html { scroll-padding-top: 6rem; }
main [id], #lead-form legend, #q-done { scroll-margin-top: .5rem; }
.skip-link {
  position: fixed; top: .5rem; left: 1rem; z-index: 100;
  transform: translateY(-160%); padding: .75rem 1rem;
  background: var(--spruce); color: var(--spruce-ink); border-radius: var(--r);
}
.skip-link:focus { transform: none; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.btn { min-height: 46px; line-height: 1.25; text-align: center; }
.btn.small { min-height: 44px; }
.iconbtn { width: 44px; height: 44px; flex: 0 0 44px; }
.linkbtn { min-height: 44px; padding-block: .5rem; }
button:disabled { cursor: wait; opacity: .7; }
input[type="text"], input[type="number"], input[type="email"], input[type="tel"], select { min-height: 46px; }
input[aria-invalid="true"], select[aria-invalid="true"], textarea[aria-invalid="true"] { border-color: var(--warn); }
input[type="range"] { height: 44px; }
input[type="range"]::-webkit-slider-thumb { width: 24px; height: 24px; margin-top: -10px; }
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; }
.segs button { min-height: 44px; }
.choice { min-height: 64px; align-items: center; line-height: 1.4; }
.choice input { width: 18px; height: 18px; margin: 2px 0; flex: 0 0 18px; }
.choice small { display: block; margin-top: .2rem; }
details > summary { cursor: pointer; }
details.faq > summary, details.email-results > summary { min-height: 44px; padding-block: .5rem; }

/* One row on phones; the full menu stays available behind a real toggle. */
.site-head { z-index: 60; }
.site-head > .wrap { flex-wrap: nowrap; gap: 1rem; min-height: 72px; padding-block: .75rem; }
.site-head .logo { flex: 0 0 auto; min-height: 44px; }
.desktop-nav { flex-wrap: nowrap; margin-left: auto; gap: .85rem; font-size: .88rem; }
.desktop-nav a { display: inline-flex; align-items: center; min-height: 44px; white-space: nowrap; }
.head-actions { display: flex; align-items: center; gap: .5rem; flex: 0 0 auto; }
.header-quote { white-space: nowrap; }
.nav-toggle {
  display: none; align-items: center; justify-content: center; gap: .4rem;
  min-width: 44px; min-height: 44px; border: 1px solid var(--line); border-radius: var(--r);
  background: var(--panel); color: var(--ink); padding: .5rem .65rem;
  font: 600 .88rem/1 var(--f-body); cursor: pointer;
}
.nav-toggle svg { display: block; width: 20px; height: 20px; flex: 0 0 20px; }
.nav-toggle[aria-expanded="true"] { border-color: var(--spruce); background: var(--spruce-soft); }
.mobile-nav, .mobile-actions, .mobile-toc { display: none; }
.person-card {
  display: flex; gap: .85rem; align-items: center; padding: 1rem 0;
  border-top: 1px solid var(--line); max-width: 35rem;
}
.person-photo { display: inline-flex; flex: 0 0 56px; border-radius: 50%; }
.person-photo img { display: block; width: 56px; height: 56px; object-fit: cover; border-radius: 50%; border: 1px solid var(--line); }
.person-info { display: flex; flex-direction: column; gap: .1rem; min-width: 0; line-height: 1.4; }
.person-name { color: var(--ink); font-weight: 700; text-decoration: none; }
.person-role, .person-license, .person-reviews { font-size: .82rem; }
.person-role, .person-license { color: var(--ink-2); }
.person-reviews { margin-top: .2rem; }
.hero-copy { gap: 1.15rem; }
.hero-copy p.lead { margin-top: 0; }
.hero-actions { gap: .75rem; }
.hero-actions > a:not(.btn) { min-height: 44px; display: inline-flex; align-items: center; }
.other-paths { margin-top: 1.25rem; }
.other-paths a { min-height: 44px; display: inline-flex; align-items: center; }

/* Quote form: progressive steps, compact reassurance, and a useful recap. */
.quote-layout { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); grid-template-rows: auto 1fr; row-gap: 1.25rem; }
.quote-layout > .quote-intro { grid-column: 1; grid-row: 1; }
.quote-layout > .quote-body { grid-column: 2; grid-row: 1 / span 2; }
.quote-support { display: flex; flex-direction: column; gap: 1rem; min-width: 0; grid-column: 1; grid-row: 2; }
.quote-intro { gap: 1rem; }
.quote-intro p.lead { margin: 0; }
.quote-extra { border-top: 1px solid var(--line); padding-top: .5rem; color: var(--ink-2); }
.quote-extra > summary { min-height: 44px; padding-block: .5rem; font-size: .92rem; font-weight: 600; color: var(--spruce); }
.quote-extra[open] > summary { margin-bottom: .75rem; }
.quote-extra ul { padding-left: 1.2rem; }
.home-details { border-top: 1px solid var(--line); padding-top: .5rem; }
.home-details > summary { min-height: 44px; padding-block: .5rem; font-size: .92rem; color: var(--spruce); font-weight: 600; }
.home-details[open] > summary { margin-bottom: .75rem; }
.quote-body { min-width: 0; }
#lead-form { gap: 1rem; }
#lead-form > header { flex-direction: column; align-items: flex-start; gap: .5rem; }
#lead-form .step { min-width: 0; }
#lead-form .step legend { margin-bottom: .75rem; line-height: 1.4; font-size: .8rem; }
#lead-form .choices { gap: .65rem; }
#lead-form .trust-strip { font-size: .8rem; line-height: 1.45; margin: 0; font-weight: 400; }
#lead-form .step > .row:last-child { padding-top: .4rem; }
#quote-progress { margin: 0; color: var(--spruce); font-weight: 600; }
.quote-recap { background: var(--spruce-soft); padding: .85rem 1rem; border-radius: var(--r); font-size: .85rem; line-height: 1.5; }
.quote-recap p + p { margin-top: .4rem; }
.quote-recap dl { margin: 0; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: .25rem .75rem; }
.quote-recap dt { color: var(--ink-2); }
.quote-recap dd { margin: 0; font-weight: 600; }
#q-done:focus { outline-offset: 4px; }
#q-done .next-steps { margin-block: .5rem; }

/* Calculator results keep the headline number and the assumptions distinct. */
.borrow-results { display: flex; flex-direction: column; gap: .75rem; }
.result-primary { padding: 1rem; background: var(--spruce-soft); border: 0; border-radius: var(--r); }
.result-primary .k { color: var(--ink); }
.result-primary .v { font-size: clamp(1.75rem, 3vw, 2.2rem); }
.secondary-results { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.secondary-results .fig:first-child { grid-column: 1 / -1; }
.secondary-results .fig .v { font-size: 1.35rem; }
.tool-assumptions { border-top: 1px solid var(--line); padding-top: .5rem; font-size: .88rem; }
.tool-assumptions > summary { color: var(--spruce); font-weight: 600; min-height: 44px; padding-block: .5rem; }
.tool-assumptions[open] > summary { margin-bottom: .75rem; }
.tool-assumptions .equity { margin-bottom: .75rem; }
.tool .statement header { gap: .5rem; }
.tool .fig { min-width: 0; }
.tool .fig .v { overflow-wrap: anywhere; }
.debts td:last-child { min-width: 44px; width: 44px; }
.debts td:first-child { min-width: 7.5rem; }
.debts td:nth-child(2), .debts td:nth-child(4) { min-width: 6.5rem; }
.debts td:nth-child(3) { min-width: 5.5rem; }
.debts td[data-label]::before { display: none; }
.scroll-x { max-width: 100%; overscroll-behavior-x: contain; }

/* Article controls appear where readers can use them on each screen. */
.article-action { display: flex; flex-direction: column; gap: .75rem; border: 1px solid var(--line); border-left: 3px solid var(--spruce); border-radius: var(--r); background: var(--panel); padding: 1.1rem; margin-block: .5rem; }
.article-action > strong { font-family: var(--f-display); font-size: 1.1rem; }
.article-action .row > a:not(.btn) { display: inline-flex; align-items: center; min-height: 44px; }
.rail .sticky { min-width: 0; }
.toc a { padding-block: .25rem; }
.prose p, .prose li { overflow-wrap: break-word; }
#cb { max-height: calc(100dvh - 32px); overscroll-behavior: contain; }
#cb h2 { font-size: 1.45rem; }
#cb .iconbtn { margin-left: auto; }

@media (max-width: 1100px) and (min-width: 981px) {
  .site-head > .wrap { gap: .65rem; }
  .desktop-nav { gap: .6rem; font-size: .82rem; }
  .header-quote { font-size: .86rem; padding-inline: .8rem; }
}

@media (max-width: 980px) {
  html { scroll-padding-top: calc(120px + env(safe-area-inset-top, 0px)); }
  main [id], #lead-form legend, #q-done { scroll-margin-top: .5rem; }
  body { padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px)); }
  body.page-quote { padding-bottom: 0; }
  .desktop-nav, .desktop-toc, .cb-fab { display: none; }
  .site-head > .wrap { min-height: 64px; padding-block: .5rem; gap: .5rem; }
  .site-head .logo { font-size: 1.1rem; }
  .head-actions { margin-left: auto; }
  .header-quote { min-height: 44px; font-size: .88rem; padding: .6rem .8rem; }
  .nav-toggle { display: inline-flex; }
  .mobile-nav:not([hidden]) { display: block; border-top: 1px solid var(--line); background: var(--panel); max-height: calc(100dvh - 64px - env(safe-area-inset-top, 0px)); overflow-y: auto; overscroll-behavior: contain; }
  .site-head .mobile-nav .wrap { display: grid; grid-template-columns: minmax(0, 1fr); gap: 1rem; padding-block: .75rem 1.25rem; }
  .mobile-nav-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .25rem .75rem; }
  .mobile-nav a { color: var(--ink); text-decoration: none; }
  .mobile-nav-links > a { display: flex; align-items: center; min-height: 48px; padding: .6rem .75rem; border-radius: var(--r); font-size: .95rem; line-height: 1.3; }
  .mobile-nav-links > a:hover, .mobile-nav-links > a[aria-current="page"] { background: var(--spruce-soft); color: var(--spruce); }
  .mobile-nav-contact { display: flex; flex-wrap: wrap; align-items: center; gap: .35rem 1rem; border-top: 1px solid var(--line); padding-top: .75rem; font-size: .88rem; }
  .mobile-nav-contact a { display: inline-flex; align-items: center; min-height: 44px; color: var(--spruce); }
  .mobile-actions { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: .7rem; align-items: center; position: fixed; inset: auto 0 0; z-index: 55; background: var(--panel); border-top: 1px solid var(--line); padding: .65rem max(16px, env(safe-area-inset-right, 0px)) calc(.65rem + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px)); box-shadow: 0 -3px 18px rgba(0,0,0,.04); }
  .mobile-actions .mobile-quote { width: 100%; min-height: 46px; }
  .mobile-call { display: inline-flex; align-items: center; justify-content: center; gap: .4rem; min-height: 46px; padding-inline: .65rem; font-size: .95rem; font-weight: 600; text-decoration: none; }
  .mobile-call svg { width: 18px; height: 18px; }
  .page-quote .mobile-actions, .input-active .mobile-actions, .menu-open .mobile-actions { display: none; }
  .hero-grid, .quote-layout { grid-template-columns: minmax(0, 1fr); gap: 1.5rem; }
  .hero { padding-block: 2rem; }
  .hero p.lead { font-size: 1.1rem; line-height: 1.55; }
  .hero-copy { gap: 1rem; }
  .hero-copy h1 { max-width: 22ch; }
  .hero-copy .person-card { padding-block: .85rem 0; }
  .band { padding-block: 2rem; }
  .quote-hero { padding-block: 1.5rem 2rem; }
  .quote-layout { grid-template-rows: auto; gap: 1.1rem; }
  .quote-layout > .quote-intro, .quote-layout > .quote-body, .quote-layout > .quote-support { grid-column: auto; grid-row: auto; }
  .quote-intro { gap: .7rem; }
  .quote-intro h1 { font-size: clamp(1.75rem, 4.8vw, 2.3rem); }
  .quote-intro p.lead { font-size: 1rem; }
  .quote-support { margin-top: .25rem; }
  .quote-support .person-card { padding-block: .85rem 0; }
  #lead-form > header { display: block; }
  .article { padding-top: 1.5rem; gap: 1.5rem; }
  .mobile-toc { display: block; border: 1px solid var(--line); border-radius: var(--r); background: var(--panel); }
  .mobile-toc > summary { min-height: 48px; padding: .75rem 1rem; color: var(--spruce); font-weight: 600; font-size: .95rem; }
  .mobile-toc .toc { padding: 0 1rem .75rem; border-left: 0; gap: 0; }
  .mobile-toc .toc > .eyebrow { display: none; }
  .mobile-toc .toc a { display: flex; align-items: center; min-height: 44px; padding-block: .55rem; line-height: 1.35; }
  .rail .sticky { display: flex; flex-direction: column; gap: 1.5rem; }
  .site-foot { padding-bottom: 2rem; }
}

/* Editable debt rows become self-contained cards on narrow screens. */
@media (max-width: 700px) {
  .debts { display: block; width: 100%; border-collapse: separate; }
  .debts thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; }
  .debts tbody { display: grid; gap: .85rem; width: 100%; }
  .debts tbody tr { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem; padding: .85rem; background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); }
  .debts td, .debts td:first-child, .debts td:nth-child(2), .debts td:nth-child(3), .debts td:nth-child(4), .debts td:last-child { display: flex; flex-direction: column; gap: .3rem; padding: 0; width: auto; min-width: 0; }
  .debts td:first-child { grid-column: 1 / -1; }
  .debts td[data-label]::before { display: block; content: attr(data-label); color: var(--ink-2); font: 600 .78rem/1.35 var(--f-body); }
  .debts td:last-child { align-self: end; align-items: flex-end; justify-content: flex-end; }
  .debts td:last-child::before { display: none; }
  .debts input { min-width: 0; padding-inline: .55rem; background: var(--panel); }
  .debts .input.has-pre input { padding-left: 1.4rem; }
  .debts .input.has-post input { padding-right: 1.5rem; }
  .debts .input .pre { left: .5rem; }
  .debts .input .post { right: .5rem; }
  .debts .iconbtn { background: var(--panel); }
}

@media (max-width: 560px) {
  h1 { font-size: 2rem; line-height: 1.12; }
  .statement { padding: 1rem; }
  .statement > header { gap: .5rem; }
  .statement > header h2 { font-size: 1.1rem; }
  .hero-actions { display: grid; grid-template-columns: minmax(0, 1fr); }
  .hero-actions .btn { width: 100%; }
  .hero-actions > a:not(.btn) { justify-content: center; }
  .person-card { gap: .7rem; }
  .person-photo, .person-photo img { width: 52px; height: 52px; flex-basis: 52px; }
  .paths { gap: 1.25rem; }
  .path p { font-size: 1rem; }
  .prose .dek { font-size: 1.05rem; }
  .article-action .row { flex-direction: column; align-items: stretch; gap: .5rem; }
  .article-action .row > a { justify-content: center; text-align: center; }
  #lead-form .choices { grid-template-columns: 1fr; gap: .5rem; }
  #lead-form .choice { padding: .7rem .8rem; min-height: 60px; }
  #lead-form .choice b { font-size: .95rem; }
  #lead-form .choice small { font-size: .8rem; }
  #lead-form .step > .row:last-child .btn { flex: 1; }
  .secondary-results { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .secondary-results .fig .v { font-size: 1.25rem; }
  .tool .figures:not(.secondary-results) { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .tool .figures:not(.secondary-results) .fig .v { font-size: 1.25rem; }
  .tool .figures:not(.secondary-results) .fig.big .v { font-size: 1.5rem; }
  .tool .fields { gap: .65rem; }
  .tool .fields .f { gap: 3px; }
  .guide-offer { grid-template-columns: 96px minmax(0, 1fr); gap: .85rem; padding: 1rem; }
  .guide-offer .go-cover { max-width: 96px; padding: .65rem; }
  .go-cover strong { font-size: .85rem; }
  .go-cover span { font-size: .65rem; }
  .go-cover small { font-size: .65rem; }
  .go-body { min-width: 0; }
  #cb { width: calc(100vw - 24px); max-height: calc(100dvh - 24px); padding: 1rem; }
}

@media (max-width: 370px) {
  .site-head .logo { font-size: 1rem; }
  .head-actions { gap: .35rem; }
  .header-quote { font-size: .8rem; padding-inline: .6rem; }
  .nav-toggle { padding-inline: .5rem; gap: .3rem; font-size: .78rem; }
  .nav-toggle svg { width: 18px; height: 18px; flex-basis: 18px; }
  .mobile-nav-links { grid-template-columns: 1fr; }
  .debts tbody tr { padding: .7rem; gap: .65rem; }
  .debts input { font-size: 1rem; }
  .guide-offer { grid-template-columns: 1fr; }
  .guide-offer .go-cover { display: none; }
  .tool .figures:not(.secondary-results) { grid-template-columns: 1fr; }
}

@media print {
  body { padding-bottom: 0; }
  .site-head, .utility, .mobile-actions, .cb-fab, .nav-toggle, .mobile-toc { display: none !important; }
  .article { display: block; }
  aside.rail { display: none; }
}

/* Trust bar stays visible on phones: name, verified NMLS, reviews and licensing (call/text and language live in the menu and bottom bar). */
@media (max-width: 980px) {
  .utility { font-size: .74rem; }
  .utility .wrap { justify-content: center; gap: .15rem .7rem; padding-block: 5px; text-align: center; }
  .utility .wrap > span:nth-child(4) { display: none; }
  .utility a { display: inline-block; padding-block: 3px; }
}

/* Phones: main sections stay visible as a swipeable row (as before the redesign); sticky bar offers rate, call and text. */
@media (max-width: 980px) {
  .site-head > .wrap { flex-wrap: wrap; row-gap: 0; }
  .site-head .desktop-nav { display: flex; order: 3; flex: 1 0 100%; flex-wrap: nowrap; overflow-x: auto; gap: 1.1rem; margin: 0 -16px; padding: .1rem 16px .55rem; font-size: .92rem; scrollbar-width: none; -webkit-overflow-scrolling: touch; }
  .site-head .desktop-nav::-webkit-scrollbar { display: none; }
  .site-head .desktop-nav a { white-space: nowrap; padding-block: .45rem; }
  .mobile-actions { grid-template-columns: minmax(0, 1fr) auto auto; gap: .35rem; }
  .mobile-actions .mobile-call { padding-inline: .5rem; font-size: .9rem; }
}
.sources { margin-top: 2rem; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .92rem; }
.sources h2 { font-size: 1.1rem; }
.sources ul { padding-left: 1.2rem; }
.sources li { margin-bottom: .35rem; }
.dialog-title { font: 700 1.35rem/1.2 var(--f-display); color: var(--ink); }
@media (max-width: 980px) { .utility { font-size: .8rem; } }

.quote-form .under-cta{margin-top:.5rem;text-align:right}
.quote-estimate p{margin:.35rem 0 0}
@media (max-width:640px){.quote-form .under-cta{text-align:center}}
.review-quotes{margin:1.5rem 0}.rq-grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.rq{margin:0;padding:1rem;border:1px solid var(--line,#d9e0dc);border-radius:12px;background:var(--panel,#fff)}
.rq blockquote{margin:.4rem 0;font-size:1rem}.rq figcaption{font-size:.85rem;opacity:.75}.rq-stars{color:#b7791f;letter-spacing:.1em}

/* AEO: the question each short answer answers, and row headers in key-value tables. */
.answer .answer-q, .prose .answer .answer-q { margin: 0; font-size: clamp(1.15rem, 1.05rem + .4vw, 1.35rem); font-weight: 650; color: var(--ink); }
table.data tbody th[scope="row"] { font: inherit; font-size: inherit; text-transform: none; letter-spacing: 0; color: inherit; font-weight: 600; }

/* West Capital Lending logo in the footer. The white tile keeps the navy logo legible in dark mode. */
.lender-logo { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; margin: 0; }
.lender-logo span { font-size: .78rem; }
.lender-logo a { display: inline-block; background: #fff; border-radius: 6px; padding: 8px 10px; line-height: 0; }
.lender-logo img { width: 168px; height: auto; }

/* Home page: Shawn and the calculator come straight after the headline. On wide screens the calculator
   keeps its own column; the copy column reads headline, Shawn, intro, definition, buttons, rates. */
@media (min-width: 901px) {
  .hero-grid.has-tool { grid-template-rows: repeat(6, auto) 1fr; row-gap: 1.15rem; }
  .hero-grid.has-tool > .hero-copy { display: contents; }
  .hero-grid.has-tool > .hero-copy > * { grid-column: 1; margin: 0; }
  .hero-grid.has-tool #tool-borrow { grid-column: 2; grid-row: 1 / -1; align-self: start; }
}

/* Phones: one-line trust bar (Shawn's rating and license), logo and menu only (the bottom bar carries
   Get my rate, call and text), and on the home page the headline leads straight into Shawn and the calculator. */
@media (max-width: 640px) {
  .utility .wrap > span:not(.u-shawn):not(.u-westcap) { display: none !important; }
  .utility .u-long { display: none; }
  .utility .wrap { padding-block: 4px; }
  .site-head .desktop-nav { display: none !important; }
  .site-head .header-quote { display: none; }
  .home-hero { padding-top: 1rem; }
  .home-hero .hero-copy > .eyebrow { display: none; }
  .home-hero h1 { font-size: 1.85rem; }
  .home-hero .hero-copy .person-card { padding-block: 0; border-top: 0; }
}
.lender-line { margin: -.35rem 0 0; }

/* Top bar leads with West Capital Lending's rating (on phones it's the only item). The optional review test
   in _worker.js can show Shawn's rating first instead (data-ab="shawn"). */
.utility .u-westcap { order: -1; }
[data-ab="shawn"] .utility .u-westcap { order: 0; }
@media (max-width: 640px) {
  .utility .wrap > span.u-shawn { display: none !important; }
  .utility .wrap > span.u-westcap { display: inline !important; }
  [data-ab="shawn"] .utility .wrap > span.u-shawn { display: inline !important; }
  [data-ab="shawn"] .utility .wrap > span.u-westcap { display: none !important; }
}