:root {
  --bg: #F6F6F3;
  --surface: #FFFFFF;
  --surface-2: #FAFAF8;
  --ink: #16181D;
  --ink-2: #33363D;
  --muted: #4A4D55;
  --muted-2: #55585F;
  --line: #E4E4DF;
  --line-2: #EFEFEB;
  --field: #C9CAC4;
  --seg: #F0F0EC;
  --blue: #2448C9;
  --blue-soft: #EEF2FD;
  --orange: #A35612;
  --green: #1E5E37;
  --green-soft: #EAF7EF;
  --dark: #16181D;
  --dark-2: #1E2027;
  --dark-3: #23262E;
  --dark-line: #343842;
  --dark-muted: #B9BCC4;
  --dark-text: #D5D7DD;
  --p-light: #7FA0FF;
  --i-light: #F0A35E;
  --radius: 16px;
  --display: 'Space Grotesk', Inter, system-ui, sans-serif;
  color-scheme: light;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: Inter, system-ui, -apple-system, 'Segoe UI', sans-serif; font-size: 16px; line-height: 1.45;
  font-variant-numeric: tabular-nums;
}
a { color: var(--blue); }
a:hover { color: #1A3596; }
button, input { font: inherit; color: inherit; }
button { cursor: pointer; }
button:disabled { cursor: not-allowed; }
:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
[hidden] { display: none !important; }
h1, h2, h3 { margin: 0; }
p { margin: 0; }

.wrap { max-width: 1200px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.stack { display: flex; flex-direction: column; gap: 28px; }
.row { display: flex; flex-wrap: wrap; gap: 24px; align-items: stretch; }
.muted { color: var(--muted-2); }
.small { font-size: 13px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.skip { position: absolute; left: 12px; top: -60px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 10; }
.skip:focus { top: 12px; color: #fff; }

/* Header */
.site-header { background: var(--surface); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; }
.brand:hover { color: var(--ink); }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--display); font-weight: 700; font-size: 20px; letter-spacing: -0.01em; }
.brand-sub { font-size: 12px; font-weight: 500; color: var(--muted-2); }
.header-nav { display: flex; gap: 4px; flex-wrap: wrap; }
.header-nav a { color: var(--muted); text-decoration: none; font-size: 14px; font-weight: 600; padding: 10px 12px; border-radius: 10px; }
.header-nav a:hover { background: var(--seg); color: var(--ink); }

/* Hero */
.hero { padding-top: 40px; padding-bottom: 28px; display: flex; flex-direction: column; gap: 10px; }
.hero h1 { font-family: var(--display); font-size: 42px; line-height: 1.08; letter-spacing: -0.02em; font-weight: 600; }
.lede { font-size: 17px; line-height: 1.5; color: var(--muted); max-width: 680px; }
.privacy-note { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--green); font-weight: 500; }
.noscript { background: #FFF3E2; border: 1px solid #E8C79A; padding: 14px 16px; border-radius: 12px; margin-bottom: 20px; }

/* Panels */
.panel { flex: 1 1 400px; min-width: 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; gap: 16px; }
.panel.wide { flex: 999 1 560px; }
.panel.flush { padding: 0; gap: 0; }
.dark-card { flex: 999 1 560px; min-width: 0; background: var(--dark); color: #fff; border-radius: var(--radius); padding: 32px; display: flex; flex-direction: column; gap: 24px; }
.panel-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.panel-title { font-family: var(--display); font-size: 21px; font-weight: 600; }
.section-head { display: flex; flex-direction: column; gap: 4px; padding-top: 8px; }
.section-title { font-family: var(--display); font-size: 28px; font-weight: 600; letter-spacing: -0.01em; }
.kicker { font-size: 11px; font-weight: 700; color: var(--muted-2); letter-spacing: 0.06em; text-transform: uppercase; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 0 20px; border-radius: 12px; border: 1px solid transparent; font-size: 15px; font-weight: 600; text-decoration: none; }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #2A2D35; color: #fff; }
.btn-primary:disabled { background: #D9DAD5; color: var(--muted-2); }
.btn-secondary { background: var(--surface); border-color: var(--field); color: var(--ink); }
.btn-secondary:hover { border-color: var(--ink); }
.btn-outline { background: var(--surface); border-color: var(--ink); color: var(--ink); }
.btn-ghost { background: transparent; color: var(--muted); padding: 0 12px; }
.btn-ghost:hover { background: var(--seg); color: var(--ink); }
.btn-danger { background: transparent; color: #A3262A; padding: 0 12px; }
.btn-danger:hover { background: #FBECEC; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: #E9ECF5; color: var(--ink); }
.btn-dashed { min-height: 52px; border: 1.5px dashed #9A9DA4; border-radius: 12px; background: var(--surface-2); font-size: 15px; font-weight: 600; color: var(--ink); display: flex; align-items: center; justify-content: center; gap: 8px; width: 100%; }
.btn-dashed:hover { border-color: var(--ink); }
.icon-btn { flex: none; width: 44px; height: 44px; border: 0; border-radius: 10px; background: transparent; color: var(--muted); display: inline-flex; align-items: center; justify-content: center; }
.icon-btn:hover { background: var(--seg); color: var(--ink); }
.icon-btn.bordered { border: 1px solid var(--line); background: var(--surface); }
.icon-btn:disabled { color: var(--field); background: transparent; }
.btn-row { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.btn-row .spacer { flex: 1; }

/* Fields */
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field > label, .field-label { font-size: 13px; font-weight: 600; color: var(--ink-2); }
.field .optional { font-weight: 500; color: var(--muted-2); }
.input-box { display: flex; align-items: center; gap: 6px; height: 48px; padding: 0 12px; border: 1px solid var(--field); border-radius: 10px; background: #fff; }
.input-box:focus-within { outline: 2px solid var(--blue); outline-offset: 1px; border-color: var(--blue); }
.input-box input { border: 0; outline: none; flex: 1; min-width: 0; font-size: 16px; background: transparent; }
.input-box .affix { color: var(--muted-2); font-size: 16px; }
.input { height: 48px; padding: 0 12px; border: 1px solid var(--field); border-radius: 10px; background: #fff; font-size: 16px; width: 100%; }
.input:focus { outline: 2px solid var(--blue); outline-offset: 1px; border-color: var(--blue); }
.input.short { width: 84px; }
input::placeholder { color: #8B8E96; }
.input-box.invalid, .input.invalid { border-color: #C0392B; }
.hint { font-size: 12px; line-height: 1.45; color: var(--muted-2); }
.grid-3 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.grid-3 > :first-child { grid-column: 1 / -1; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.inline-field { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.info-box { display: flex; gap: 10px; align-items: flex-start; background: #F1F3F9; border-radius: 10px; padding: 12px 14px; font-size: 13px; line-height: 1.5; color: var(--ink-2); }
.info-box svg { flex: none; margin-top: 1px; color: var(--blue); }
.formula { font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 13px; }

/* Segmented control */
.seg { display: grid; grid-auto-flow: column; grid-auto-columns: minmax(0, 1fr); background: var(--seg); border-radius: 12px; padding: 4px; gap: 4px; }
.seg button { min-height: 40px; border: 0; border-radius: 9px; background: transparent; color: var(--muted-2); font-size: 14px; font-weight: 600; padding: 0 14px; }
.seg button[aria-pressed="true"] { background: #fff; color: var(--ink); box-shadow: 0 1px 2px rgba(0,0,0,0.12); }

/* Chips */
.chips { display: flex; gap: 8px; flex-wrap: wrap; }
.chip { min-height: 40px; padding: 0 14px; border-radius: 20px; border: 1px solid var(--field); background: #fff; font-size: 14px; font-weight: 600; display: inline-flex; align-items: center; gap: 8px; white-space: nowrap; }
.chip[aria-pressed="true"] { background: var(--ink); border-color: var(--ink); color: #fff; }
.swatch { width: 10px; height: 10px; border-radius: 3px; flex: none; display: inline-block; }
.badge { font-size: 12px; font-weight: 600; color: var(--green); background: var(--green-soft); border-radius: 10px; padding: 2px 8px; white-space: nowrap; }

/* Radio cards */
.choices { display: flex; flex-direction: column; gap: 8px; }
.choice { text-align: left; width: 100%; border: 2px solid var(--line); background: #fff; border-radius: 12px; padding: 12px 14px; display: flex; gap: 12px; align-items: flex-start; }
.choice:hover { border-color: #9A9DA4; }
.choice[aria-pressed="true"], .choice[aria-checked="true"] { border-color: var(--ink); background: var(--surface-2); }
.choice .ring { flex: none; width: 20px; height: 20px; border-radius: 10px; border: 2px solid #9A9DA4; display: flex; align-items: center; justify-content: center; margin-top: 1px; }
.choice[aria-pressed="true"] .ring, .choice[aria-checked="true"] .ring { border-color: var(--ink); }
.choice[aria-pressed="true"] .ring::after, .choice[aria-checked="true"] .ring::after { content: ''; width: 10px; height: 10px; border-radius: 5px; background: var(--ink); }
.choice-body { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.choice-title { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; font-size: 15px; font-weight: 600; }
.choice-desc { font-size: 13px; line-height: 1.45; color: var(--muted); }

/* Loan type picker */
.type-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.type-btn { min-height: 88px; border: 1px solid var(--field); border-radius: 12px; background: #fff; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; gap: 8px; padding: 12px 14px; text-align: left; font-size: 15px; font-weight: 600; }
.type-btn:hover { border-color: var(--ink); }
.type-chip { display: inline-flex; align-items: center; gap: 8px; height: 36px; padding: 0 12px; border-radius: 18px; background: #fff; border: 1px solid var(--field); font-size: 14px; font-weight: 600; }
.flow-box { border: 1px solid var(--field); border-radius: 14px; padding: 20px; background: var(--surface-2); display: flex; flex-direction: column; gap: 16px; }
.flow-box.strong { border: 2px solid var(--ink); background: #fff; }
.flow-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.flow-title { font-family: var(--display); font-size: 20px; font-weight: 600; line-height: 1.25; }
.flow-title:focus { outline: none; }
.dots { display: flex; gap: 6px; }
.dots span { width: 24px; height: 4px; border-radius: 2px; background: var(--line); }
.dots span.on { background: var(--ink); }
.preview { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 12px 14px; display: flex; justify-content: space-between; gap: 12px; font-size: 14px; }
.good-note { background: var(--green-soft); color: #14492A; border-radius: 10px; padding: 12px 14px; font-size: 14px; line-height: 1.5; }
.error-note { color: #A3262A; font-size: 13px; }

/* Loan list */
.list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.loan { border: 1px solid var(--line); border-left: 5px solid var(--c, var(--ink)); border-radius: 12px; background: #fff; }
.loan.editing { border-color: var(--ink); border-left-color: var(--c, var(--ink)); }
.loan-row { display: flex; align-items: center; gap: 12px; padding: 10px 6px 10px 14px; }
.loan-icon { flex: none; width: 38px; height: 38px; border-radius: 10px; background: var(--seg); display: flex; align-items: center; justify-content: center; color: var(--c, var(--ink)); }
.loan-main { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.loan-name { font-size: 15px; font-weight: 600; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.loan-meta { font-size: 13px; color: var(--muted-2); }
.loan-nums { display: flex; flex-direction: column; align-items: flex-end; gap: 2px; text-align: right; }
.loan-bal { font-size: 15px; font-weight: 600; }
.loan-edit { padding: 16px; display: flex; flex-direction: column; gap: 12px; }

.extra-item { display: flex; align-items: center; gap: 10px; border: 1px solid var(--line); border-radius: 12px; padding: 8px 6px 8px 14px; background: #fff; }
.extra-title { font-size: 15px; font-weight: 600; }
.extra-sub { font-size: 12px; line-height: 1.4; color: var(--muted-2); }
.empty-box { border: 1.5px dashed #9A9DA4; border-radius: 14px; padding: 20px; background: var(--surface-2); display: flex; flex-direction: column; gap: 12px; }
.empty-title { font-family: var(--display); font-size: 18px; font-weight: 600; }
.plan-box { display: flex; flex-direction: column; gap: 10px; border-top: 1px solid var(--line); padding-top: 18px; }
.order-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.order-item { display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 6px 6px 6px 12px; }
.num-dot { width: 28px; height: 28px; border-radius: 14px; color: #fff; font-size: 13px; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; flex: none; }
.sub-box { background: var(--bg); border-radius: 12px; padding: 16px; display: flex; flex-direction: column; gap: 10px; }

/* Dark card content */
.dc-label { font-size: 14px; font-weight: 500; color: var(--dark-muted); }
.big-num { font-family: var(--display); font-size: 60px; font-weight: 600; line-height: 1; letter-spacing: -0.03em; }
.big-date { font-family: var(--display); font-size: 48px; font-weight: 600; line-height: 1; letter-spacing: -0.03em; }
.dc-sub { font-size: 15px; color: var(--dark-muted); line-height: 1.45; }
.dc-note { font-size: 13px; color: var(--dark-muted); line-height: 1.5; }
.dc-text { font-size: 14px; color: var(--dark-text); line-height: 1.5; }
.dc-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; }
.badge-box { background: var(--dark-3); border: 1px solid var(--dark-line); border-radius: 12px; padding: 14px 18px; display: flex; flex-direction: column; gap: 4px; min-width: 190px; }
.badge-box .v { font-family: var(--display); font-size: 24px; font-weight: 600; }
.tiles { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; }
.tile { background: var(--dark-3); border-radius: 12px; padding: 16px; display: flex; flex-direction: column; gap: 4px; }
.tile .l { font-size: 13px; color: var(--dark-muted); }
.tile .v { font-family: var(--display); font-size: 26px; font-weight: 600; }
.tile.green { background: #17352A; } .tile.green .l { color: #A8DDBE; } .tile.green .v { color: #7DE0A6; }
.tile.blue { background: #1E2A4D; } .tile.blue .l { color: #B7C7FF; } .tile.blue .v { color: #A9BEFF; }
.v.p { color: #A9BEFF; } .v.i { color: #F5BC88; }
.totals { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 1px; background: #2F323A; border-radius: 12px; overflow: hidden; }
.totals > div { background: var(--dark-2); padding: 16px 18px; display: flex; flex-direction: column; gap: 6px; }
.totals .l { font-size: 13px; color: var(--dark-muted); }
.totals .v { font-family: var(--display); font-size: 24px; font-weight: 600; }
.pi-bar { display: flex; height: 14px; border-radius: 7px; overflow: hidden; background: #2A2D35; }
.legend { display: flex; gap: 20px; flex-wrap: wrap; font-size: 13px; color: var(--dark-text); }
.legend span { display: inline-flex; align-items: center; gap: 8px; }
.timeline { display: flex; flex-direction: column; gap: 14px; }
.tl-row { display: flex; flex-direction: column; gap: 6px; }
.tl-top { display: flex; justify-content: space-between; gap: 12px; font-size: 13px; flex-wrap: wrap; }
.tl-top b { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; }
.tl-bar { height: 10px; background: #2A2D35; border-radius: 5px; overflow: hidden; }
.tl-bar div { height: 100%; border-radius: 5px; }
.steps-box { background: #1C1F27; border: 1px solid var(--dark-line); border-radius: 12px; padding: 16px; display: flex; flex-direction: column; gap: 10px; }
.steps { display: flex; flex-wrap: wrap; gap: 8px; }
.step { display: flex; flex-direction: column; gap: 2px; background: var(--dark-3); border-radius: 10px; padding: 8px 12px; }
.step .w { font-size: 12px; color: var(--dark-muted); }
.step .a { font-family: var(--display); font-size: 18px; font-weight: 600; }
.cta-box { background: #1E2A4D; border: 1px solid #34437A; border-radius: 14px; padding: 18px 20px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.cta-box .t { font-family: var(--display); font-size: 18px; font-weight: 600; }
.warn { background: #3A2A12; border: 1px solid #6B4A1C; border-radius: 12px; padding: 14px 16px; display: flex; gap: 12px; align-items: flex-start; font-size: 13px; line-height: 1.5; color: #F5D9B0; }
.warn svg { flex: none; margin-top: 1px; }
.warn strong { color: #fff; }
.warn.note { background: #1F232B; border-color: #3A404C; color: #D5D7DD; }
.warn.note svg { stroke: #AEB4C0; }
.placeholder { border: 1px dashed #4A4F5C; border-radius: 14px; padding: 32px 24px; display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center; }
.placeholder .t { font-family: var(--display); font-size: 20px; font-weight: 600; }
.skel { height: 10px; border-radius: 5px; background: var(--dark-3); }
.dark-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.dark-wrap { border: 1px solid var(--dark-line); border-radius: 12px; overflow: hidden; }
.dark-table th, .dark-table td { padding: 10px 14px; text-align: right; }
.dark-table thead th { background: var(--dark-2); font-size: 12px; font-weight: 600; color: var(--dark-muted); }
.dark-table tbody th { text-align: left; font-weight: 500; }
.dark-table tbody tr { border-top: 1px solid #2A2D35; }
.dark-table .x { color: #7DE0A6; font-weight: 600; }

/* Tables */
.table-wrap { overflow-x: auto; }
.table-wrap.bleed { margin: 0 -28px; }
table.data { width: 100%; border-collapse: collapse; font-size: 14px; }
table.data th, table.data td { padding: 11px 14px; text-align: right; border-bottom: 1px solid var(--line-2); white-space: nowrap; }
table.data thead th { font-size: 12px; font-weight: 600; color: var(--muted-2); border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 1; }
table.data th:first-child, table.data td:first-child { text-align: left; padding-left: 28px; }
table.data td.l, table.data th.l { text-align: left; }
table.data td:last-child, table.data th:last-child { padding-right: 28px; }
table.data tbody tr:nth-child(even) { background: var(--surface-2); }
table.data tbody tr.sel { background: var(--blue-soft); }
table.data .note { color: #0E7A69; font-weight: 600; font-size: 13px; white-space: normal; text-align: left; }
.c-orange { color: var(--orange); } .c-blue { color: var(--blue); } .c-green { color: var(--green); }
.strong { font-weight: 600; }
.cmp-plan { border: 0; background: transparent; padding: 0; font-size: 14px; font-weight: 600; display: inline-flex; align-items: center; gap: 8px; min-height: 36px; text-align: left; }
.cmp-plan:hover { color: var(--blue); }

.sched-head { padding: 24px 28px; display: flex; flex-direction: column; gap: 14px; border-bottom: 1px solid var(--line); }
.sched-body { max-height: 640px; overflow: auto; }
.sched-body.full { max-height: none; }
.sched-foot { padding: 16px 28px; display: flex; justify-content: space-between; gap: 12px 20px; flex-wrap: wrap; background: var(--bg); border-top: 2px solid var(--ink); border-radius: 0 0 var(--radius) var(--radius); font-size: 14px; }
.sched-more { padding: 18px 28px; display: flex; justify-content: center; border-top: 1px solid var(--line); }

/* Payoff order + chart */
.order-steps { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; }
.order-steps li { display: flex; gap: 14px; }
.order-steps .rail { display: flex; flex-direction: column; align-items: center; }
.order-steps .rail i { flex: 1; width: 2px; background: var(--line); min-height: 18px; }
.order-steps .txt { display: flex; flex-direction: column; gap: 4px; padding-bottom: 18px; }
.chart-box { position: relative; height: 260px; border-left: 1px solid var(--field); border-bottom: 1px solid var(--field); }
.chart-box svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.chart-box .y { position: absolute; left: 8px; font-size: 12px; color: var(--muted-2); background: rgba(255,255,255,0.8); padding: 0 4px; border-radius: 4px; }
.chart-x { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted-2); }
.chart-legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: 13px; color: var(--ink-2); }
.chart-legend span { display: inline-flex; align-items: center; gap: 8px; }

/* FAQ + footer */
.faq { padding-top: 56px; padding-bottom: 24px; display: flex; flex-direction: column; gap: 12px; }
.faq > * { max-width: 860px; width: 100%; }
.faq h2 { margin-bottom: 6px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 0 18px; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 16px; padding: 16px 0; list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ''; flex: none; width: 9px; height: 9px; margin-right: 4px; border-right: 2px solid var(--muted-2); border-bottom: 2px solid var(--muted-2); transform: translateY(-2px) rotate(45deg); transition: transform .15s; }
.faq details[open] summary::after { transform: translateY(2px) rotate(-135deg); }
.faq summary:hover::after { border-color: var(--ink); }
.faq details[open] summary { padding-bottom: 8px; }
.faq details p { padding-bottom: 14px; color: var(--muted); line-height: 1.6; }
.faq .formula { background: var(--bg); border-radius: 8px; padding: 10px 12px; margin-bottom: 14px; color: var(--ink-2); }
.site-footer { padding: 32px 0 48px; }
.site-footer .wrap { display: flex; flex-direction: column; gap: 12px; }
.disclaimer { font-size: 12px; line-height: 1.6; color: var(--muted-2); max-width: 860px; }

.toast { position: fixed; left: 50%; bottom: 24px; transform: translateX(-50%) translateY(20px); background: var(--ink); color: #fff; padding: 12px 18px; border-radius: 12px; font-size: 14px; font-weight: 500; opacity: 0; pointer-events: none; transition: opacity .2s, transform .2s; z-index: 20; max-width: calc(100% - 32px); }
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .toast, .faq summary::after { transition: none; } }

/* Phones */
@media (max-width: 720px) {
  .wrap { padding-left: 16px; padding-right: 16px; }
  .header-nav { display: none; }
  .hero { padding-top: 24px; padding-bottom: 20px; }
  .hero h1 { font-size: 31px; }
  .lede { font-size: 15px; }
  .stack { gap: 20px; }
  .row { gap: 20px; }
  .panel { padding: 18px 16px; flex-basis: 100%; }
  .panel.flush { padding: 0; }
  .dark-card { padding: 22px 18px; gap: 20px; flex-basis: 100%; }
  .big-num { font-size: 46px; }
  .big-date { font-size: 38px; }
  .section-title { font-size: 24px; }
  .type-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .input-box, .input { height: 52px; }
  .badge-box { min-width: 0; width: 100%; }
  .cta-box .btn { width: 100%; }
  .sched-head { padding: 18px 16px 14px; }
  .sched-foot, .sched-more { padding-left: 16px; padding-right: 16px; }
  .sched-head .seg { width: 100%; }
  .chips.scroll { flex-wrap: nowrap; overflow-x: auto; padding-bottom: 2px; }
  .chart-box { height: 180px; }
  .table-wrap.bleed { margin: 0 -16px; }
  table.data.cards th.head { display: flex; flex-wrap: wrap; justify-content: flex-start; align-items: center; gap: 6px 8px; }
  .dark-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .dark-table, .dark-table tbody { display: block; }
  .dark-table tbody tr { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 6px 10px; padding: 12px 14px; }
  .dark-table tbody tr:first-child { border-top: 0; }
  .dark-table tbody th { grid-column: 1 / -1; padding: 0; font-weight: 600; }
  .dark-table td { padding: 0; text-align: left; display: flex; flex-direction: column; gap: 2px; }
  .dark-table td::before { content: attr(data-label); font-size: 11px; font-weight: 500; color: var(--dark-muted); }
  /* Schedule and comparison tables turn into cards */
  table.data.cards thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  table.data.cards, table.data.cards tbody { display: block; }
  table.data.cards tbody tr { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 4px 12px; padding: 12px 16px; border-bottom: 1px solid var(--line-2); }
  table.data.cards td, table.data.cards th { display: flex; justify-content: space-between; gap: 8px; padding: 0; border: 0; white-space: normal; text-align: right; font-size: 13px; }
  table.data.cards td::before, table.data.cards th::before { content: attr(data-label); color: var(--muted-2); font-weight: 500; text-align: left; }
  table.data.cards td.head, table.data.cards th.head { grid-column: 1 / -1; font-size: 15px; font-weight: 600; padding: 0 0 4px; }
  table.data.cards td.head::before, table.data.cards th.head::before { content: none; }
  table.data.cards td.note { grid-column: 1 / -1; justify-content: flex-start; }
  table.data.cards td.note::before { content: none; }
  table.data.cards td.note:empty { display: none; }
  table.data.cards th:first-child, table.data.cards td:first-child, table.data.cards td:last-child, table.data.cards th:last-child { padding-left: 0; padding-right: 0; }
}

/* Print: summary + schedule */
@media print {
  @page { margin: 14mm; }
  body { background: #fff; font-size: 12px; }
  .no-print, .header-nav, .skip, .toast, #loans-panel, #extras-panel, .faq, .cta-box, .sched-head .btn-row, .sched-more, .chips, .seg, #chart .chips { display: none !important; }
  .dark-card, .tile, .totals > div, .steps-box, .step, .warn, .badge-box { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .panel, .dark-card { break-inside: avoid; border-radius: 8px; }
  .row { display: block; }
  .row > * { margin-bottom: 12px; }
  .sched-body { max-height: none !important; overflow: visible; }
  table.data thead th { position: static; }
  .hero { padding-top: 0; }
  .hero .privacy-note { display: none; }
}