:root {
  --bg: #f5efe5;
  --bg-strong: #efe1cb;
  --surface: rgba(255, 250, 243, 0.82);
  --surface-strong: #fff9ef;
  --text: #17212b;
  --muted: #5e6c78;
  --line: rgba(23, 33, 43, 0.12);
  --accent: #b4572b;
  --accent-deep: #8d3810;
  --accent-soft: rgba(180, 87, 43, 0.12);
  --sage: #2f5b52;
  --shadow: 0 18px 55px rgba(43, 32, 18, 0.1);
  --radius: 28px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Manrope", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(180, 87, 43, 0.18), transparent 32%),
    radial-gradient(circle at top right, rgba(47, 91, 82, 0.18), transparent 28%),
    linear-gradient(180deg, #f9f3ea 0%, var(--bg) 42%, #f2eadf 100%);
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
}

.site-header,
main,
.site-footer {
  width: min(1180px, calc(100% - 2rem));
  margin: 0 auto;
}

.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.4rem 0 1rem;
}

.brand-lockup {
  display: flex;
  align-items: center;
  gap: 0.9rem;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--accent), var(--sage));
  color: #fff;
  font-weight: 800;
  letter-spacing: 0.08em;
  box-shadow: var(--shadow);
}

.brand-tag,
.top-nav a,
.hero-intro,
.metric-card span,
.guide-card p,
.faq-list p,
.ad-card p,
.market-pulse p,
.content-card p,
.disclaimer-section p,
.site-footer p,
.section-heading p,
.section-copy,
.form-note,
.formula-copy,
.ad-strip-copy p {
  color: var(--muted);
}

.eyebrow {
  margin: 0 0 0.35rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.76rem;
  font-weight: 800;
  color: var(--accent-deep);
}

.top-nav {
  display: flex;
  gap: 1.1rem;
  font-weight: 700;
}

.top-nav a:hover,
.top-nav a:focus-visible,
.text-link:hover,
.text-link:focus-visible {
  color: var(--accent-deep);
}

.hero,
.calculator-section,
.guide-section,
.faq-section,
.content-band,
.disclaimer-section,
.ad-strip {
  margin-top: 2rem;
}

.hero {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.25rem;
  align-items: stretch;
}

.hero-copy,
.hero-panel,
.calculator-form,
.results-panel,
.content-card,
.guide-card,
.faq-list details,
.disclaimer-section,
.ad-strip,
.panel-card {
  border: 1px solid var(--line);
  background: var(--surface);
  backdrop-filter: blur(16px);
  box-shadow: var(--shadow);
}

.hero-copy {
  padding: 2.5rem;
  border-radius: calc(var(--radius) + 8px);
}

.hero h1,
.section-heading h2,
.content-card h2,
.ad-strip h2 {
  margin: 0;
  font-family: "Instrument Serif", serif;
  font-size: clamp(2.5rem, 5vw, 4.8rem);
  line-height: 0.98;
  font-weight: 400;
  letter-spacing: -0.03em;
}

.section-heading h2,
.content-card h2,
.ad-strip h2 {
  font-size: clamp(2rem, 4vw, 3.2rem);
}

.hero-intro {
  max-width: 62ch;
  font-size: 1.08rem;
  margin: 1rem 0 0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1.75rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.85rem 1.2rem;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-1px);
}

.button-primary {
  background: linear-gradient(135deg, var(--accent), var(--accent-deep));
  color: #fff;
}

.button-secondary {
  background: rgba(255, 255, 255, 0.52);
  border-color: var(--line);
}

.button-wide {
  width: 100%;
}

.text-link {
  display: inline-flex;
  align-items: center;
  margin-top: 0.8rem;
  font-weight: 800;
  color: var(--sage);
}

.hero-metrics {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
  padding: 0;
  margin: 2rem 0 0;
}

.hero-metrics li {
  padding: 1rem;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.55);
  border: 1px solid rgba(23, 33, 43, 0.08);
}

.hero-metrics strong,
.metric-card strong,
.section-heading h3,
.guide-card h3,
.content-card h3,
.faq-list summary,
.topic-grid article h3,
.formula-grid article h3 {
  display: block;
}

.hero-metrics strong {
  margin-bottom: 0.35rem;
}

.hero-panel {
  display: grid;
  gap: 1rem;
}

.panel-card {
  padding: 1.5rem;
  border-radius: var(--radius);
}

.panel-card h2 {
  margin: 0 0 0.6rem;
  font-size: 1.5rem;
  line-height: 1.15;
}

.calculator-section {
  padding: 2rem 0 0;
}

.section-heading {
  margin-bottom: 1.2rem;
}

.section-heading.compact {
  margin-bottom: 0.5rem;
}

.section-heading h3 {
  margin: 0;
  font-size: 1.2rem;
}

.section-copy,
.form-note,
.formula-copy {
  margin: 0;
  font-size: 0.98rem;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 1rem;
  align-items: start;
}

.calculator-form,
.results-panel,
.content-card,
.disclaimer-section,
.ad-strip {
  padding: 1.4rem;
  border-radius: var(--radius);
}

.calculator-form {
  position: sticky;
  top: 1rem;
  display: grid;
  gap: 0.95rem;
}

.calculator-form label {
  display: grid;
  gap: 0.45rem;
  font-weight: 700;
}

.calculator-form input,
.calculator-form select {
  width: 100%;
  min-height: 50px;
  border-radius: 16px;
  border: 1px solid rgba(23, 33, 43, 0.14);
  padding: 0.8rem 0.95rem;
  font: inherit;
  background: rgba(255, 255, 255, 0.92);
}

.results-panel {
  display: grid;
  gap: 1rem;
}

.results-grid,
.topic-grid,
.guide-grid,
.formula-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.formula-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.metric-card,
.guide-card,
.topic-grid article,
.formula-grid article,
.hub-card,
.affordability-card {
  padding: 1rem;
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.62);
  border: 1px solid rgba(23, 33, 43, 0.08);
}

.hub-card {
  display: block;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.hub-card:hover,
.hub-card:focus-visible {
  transform: translateY(-2px);
  border-color: rgba(180, 87, 43, 0.35);
  background: rgba(255, 255, 255, 0.78);
}

.metric-card p,
.metric-card strong {
  margin: 0;
}

.metric-card strong {
  margin: 0.35rem 0 0.4rem;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  line-height: 1;
}

.accent-card {
  background: linear-gradient(135deg, rgba(180, 87, 43, 0.16), rgba(47, 91, 82, 0.12));
}

.payment-breakdown,
.schedule-wrap,
.affordability-results {
  padding: 1rem;
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.58);
  border: 1px solid rgba(23, 33, 43, 0.08);
}

.affordability-layout {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 1rem;
  align-items: start;
}

.affordability-results {
  display: grid;
  gap: 1rem;
}

.results-intro {
  margin: 0;
  color: var(--muted);
}

.affordability-card strong {
  display: block;
  margin-top: 0.35rem;
  font-size: clamp(1.7rem, 4vw, 2.7rem);
  line-height: 1;
}

.inline-list {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--muted);
}

.inline-list li + li {
  margin-top: 0.5rem;
}

.breakdown-bars {
  display: grid;
  gap: 0.85rem;
}

.bar-row {
  display: grid;
  gap: 0.45rem;
}

.bar-meta {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  font-weight: 700;
}

.bar-track {
  overflow: hidden;
  height: 14px;
  border-radius: 999px;
  background: rgba(23, 33, 43, 0.08);
}

.bar-fill {
  height: 100%;
  border-radius: inherit;
}

.bar-fill.principal {
  background: linear-gradient(90deg, #8d3810, #b4572b);
}

.bar-fill.interest {
  background: linear-gradient(90deg, #cc7a4f, #df9b73);
}

.bar-fill.tax {
  background: linear-gradient(90deg, #285d62, #4b8b8f);
}

.bar-fill.insurance {
  background: linear-gradient(90deg, #728f5c, #9db485);
}

.bar-fill.hoa {
  background: linear-gradient(90deg, #8b6a2f, #bc9a57);
}

.bar-fill.pmi {
  background: linear-gradient(90deg, #4f4c97, #7670d6);
}

.table-scroll {
  overflow-x: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;
}

th,
td {
  padding: 0.85rem 0.6rem;
  text-align: left;
  border-bottom: 1px solid rgba(23, 33, 43, 0.09);
}

th {
  font-size: 0.86rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}

.content-band {
  padding: 0.75rem 0;
}

.topic-grid article h3,
.guide-card h3,
.formula-grid article h3,
.hub-card h3 {
  margin: 0 0 0.45rem;
}

.guide-grid,
.faq-list {
  display: grid;
  gap: 1rem;
}

.formula-card {
  background:
    linear-gradient(135deg, rgba(180, 87, 43, 0.08), rgba(47, 91, 82, 0.07)),
    var(--surface);
}

.faq-list details {
  border-radius: 22px;
  padding: 1rem 1.1rem;
}

.faq-list summary {
  cursor: pointer;
  font-weight: 800;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list p {
  margin: 0.8rem 0 0;
}

.ad-strip {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 180px;
  background:
    linear-gradient(135deg, rgba(180, 87, 43, 0.18), rgba(47, 91, 82, 0.14)),
    rgba(255, 249, 239, 0.8);
}

.ad-strip-copy {
  max-width: 760px;
}

.ad-strip-copy h2 {
  margin-bottom: 0.6rem;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.5rem 0 2.5rem;
}

@media (max-width: 1000px) {
  .hero,
  .calculator-grid,
  .formula-grid,
  .affordability-layout {
    grid-template-columns: 1fr;
  }

  .calculator-form {
    position: static;
  }

  .hero-metrics,
  .results-grid,
  .topic-grid,
  .guide-grid,
  .hub-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .site-header,
  .site-footer {
    flex-direction: column;
    align-items: flex-start;
  }

  .top-nav {
    flex-wrap: wrap;
  }

  .hero-copy,
  .calculator-form,
  .results-panel,
  .content-card,
  .disclaimer-section,
  .ad-strip,
  .panel-card {
    padding: 1.1rem;
  }

  .hero h1,
  .section-heading h2,
  .content-card h2,
  .ad-strip h2 {
    font-size: clamp(2rem, 10vw, 3rem);
  }
}