/* ============================================================
   skip.css — Skip the Down Payment
   Canada Mortgage Source
   Single stylesheet. Mobile-first. No framework dependencies.
   ============================================================ */


/* ============================================================
   1. CSS CUSTOM PROPERTIES
   ============================================================ */

:root {
    /* Brand colours */
    --green:          #2C823D;
    --green-dark:     #236832;
    --green-light:    #edf7f1;
    --green-mid:      #a8d8b8;

    /* Neutrals */
    --black:          #111111;
    --grey-900:       #333333;
    --grey-700:       #555555;
    --grey-500:       #888888;
    --grey-300:       #cccccc;
    --grey-200:       #e0e0db;
    --grey-100:       #f5f5f3;
    --white:          #ffffff;

    /* Semantic */
    --warn-bg:        #fef9e7;
    --warn-text:      #b7950b;
    --danger-bg:      #fdedec;
    --danger-text:    #c0392b;

    /* Typography */
    --font:           'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-size-base: 16px;
    --line-height:    1.6;

    /* Spacing */
    --space-xs:   4px;
    --space-sm:   8px;
    --space-md:   16px;
    --space-lg:   24px;
    --space-xl:   40px;
    --space-2xl:  64px;
    --space-3xl:  96px;

    /* Layout */
    --max-width:      1100px;
    --nav-height:     72px;
    --radius-sm:      6px;
    --radius-md:      10px;
    --radius-lg:      14px;
    --radius-full:    9999px;

    /* Shadows */
    --shadow-sm:   0 2px 8px rgba(0,0,0,0.06);
    --shadow-md:   0 4px 20px rgba(0,0,0,0.08);
    --shadow-btn:  0 4px 14px rgba(0,0,0,0.15);
    --shadow-card: 0 4px 24px rgba(0,0,0,0.07);

    /* Transitions */
    --transition: 0.2s ease;
}


/* ============================================================
   2. RESET & BASE
   ============================================================ */

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

html {
    font-size: var(--font-size-base);
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font);
    font-size: 1rem;
    line-height: var(--line-height);
    color: var(--grey-700);
    background: var(--white);
    padding-top: var(--nav-height);
}

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

a {
    color: var(--green);
    text-decoration: none;
    transition: color var(--transition);
}

a:hover { color: var(--green-dark); }

ul, ol { list-style: none; }

button, input, select, textarea {
    font-family: var(--font);
    font-size: 1rem;
}

h1, h2, h3, h4, h5, h6 {
    color: var(--black);
    font-weight: 700;
    line-height: 1.25;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); }

p { color: var(--grey-700); }


/* ============================================================
   3. LAYOUT UTILITIES
   ============================================================ */

.container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-lg);
}

.section {
    padding: var(--space-2xl) 0;
}

.section--green {
    background: var(--green-light);
}

.section--dark {
    background: var(--black);
    color: var(--white);
}

.section-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--green);
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: var(--space-sm);
    display: block;
}

.section-title {
    font-size: clamp(1.4rem, 3vw, 2rem);
    font-weight: 700;
    color: var(--black);
    margin-bottom: var(--space-md);
    line-height: 1.25;
}

.section-sub {
    font-size: 1rem;
    color: var(--grey-700);
    line-height: 1.7;
    max-width: 600px;
    margin-bottom: var(--space-xl);
}

/* When a centered section uses .section-sub with .text-center, also center the block itself */
.section-sub.text-center {
    margin-left: auto;
    margin-right: auto;
}

.text-center { text-align: center; }
.text-green  { color: var(--green); font-style: normal; }


/* ============================================================
   SCROLL PROGRESS BAR
   ============================================================ */

.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--green, #2C823D);
    transform: scaleX(0);
    transform-origin: left center;
    z-index: 9999;
    pointer-events: none;
    /* Subtle glow so the bar doesn't look stark on white */
    box-shadow: 0 0 6px rgba(44, 130, 61, 0.4);
    /* Smooth the transform when scrolling stops/starts */
    transition: transform 0.05s linear;
}


/* ============================================================
   SCROLL REVEAL ANIMATIONS
   ============================================================ */

.reveal {
    opacity: 0;
    transform: translateY(16px);
    transition: opacity 0.6s ease-out, transform 0.6s ease-out;
    will-change: opacity, transform;
}

.reveal.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* Children of a staggered grid start hidden, then reveal one-by-one via JS timing */
.reveal-child {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s ease-out, transform 0.5s ease-out;
    will-change: opacity, transform;
}

.reveal-child.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* When a stagger-parent has reveal-children, the parent itself shouldn't animate
   (children handle the visual reveal). Cancel the parent's transform/opacity. */
.reveal[data-reveal-stagger] {
    opacity: 1;
    transform: none;
    transition: none;
}

/* Accessibility: respect users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
    .reveal,
    .reveal-child {
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
    }
    .scroll-progress {
        display: none;
    }
    html {
        scroll-behavior: auto;
    }
}


/* ============================================================
   4. NAVIGATION
   ============================================================ */

.site-nav {
    position: fixed;
    top: 0; left: 0; right: 0;
    height: var(--nav-height);
    background: #114332;
    border-bottom: 0.5px solid rgba(255,255,255,0.1);
    z-index: 1000;
    box-shadow: 0 2px 12px rgba(0,0,0,0.2);
}

.nav-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-lg);
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

/* Logo: Skip the Down Payment wordmark + leaf icon (single PNG image) */
.nav-logo {
    display: flex;
    align-items: center;
    text-decoration: none;
    flex-shrink: 0;
    height: var(--nav-height);
}

.nav-logo-img {
    /* Source PNG is 480×88 (≈ 5.45:1 ratio). Display at a height that fits the nav
       comfortably without crowding the top/bottom edges. */
    height: 46px;
    width: auto;
    display: block;
}

.nav-logo-reg {
    font-size: 0.5rem;
    font-style: normal;
    vertical-align: super;
    line-height: 0;
    font-weight: 600;
}

/* Desktop links */
.nav-links {
    display: none;
    align-items: center;
    gap: var(--space-xl);
}

.nav-link {
    font-size: 0.875rem;
    font-weight: 500;
    color: rgba(255,255,255,0.8);
    text-decoration: none;
    transition: color var(--transition);
}

.nav-link:hover { color: var(--white); }

.nav-cta {
    background: rgba(255,255,255,0.15);
    color: var(--white);
    border: 1px solid rgba(255,255,255,0.3);
    font-size: 0.875rem;
    font-weight: 600;
    padding: 9px 20px;
    border-radius: var(--radius-sm);
    text-decoration: none;
    transition: background var(--transition);
    box-shadow: var(--shadow-btn);
}

.nav-cta:hover {
    background: rgba(255,255,255,0.25);
    color: var(--white);
}

/* Hamburger */
.nav-hamburger {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--space-xs);
}

.nav-hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: transform var(--transition), opacity var(--transition);
}

.nav-hamburger[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.nav-hamburger[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
}
.nav-hamburger[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* Mobile menu */
.nav-mobile {
    display: none;
    flex-direction: column;
    background: #114332;
    border-top: 0.5px solid rgba(255,255,255,0.1);
    padding: var(--space-md) var(--space-lg);
    gap: var(--space-xs);
    box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}

.nav-mobile.is-open {
    display: flex;
}

.nav-mobile-link {
    font-size: 1rem;
    font-weight: 500;
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    padding: var(--space-sm) 0;
    border-bottom: 0.5px solid rgba(255,255,255,0.1);
    transition: color var(--transition);
}

.nav-mobile-link:hover { color: var(--white); }

.nav-mobile-cta {
    display: block;
    margin-top: var(--space-md);
    background: var(--green);
    color: var(--white);
    text-align: center;
    padding: 13px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 1rem;
    text-decoration: none;
    box-shadow: var(--shadow-btn);
    transition: background var(--transition);
}

.nav-mobile-cta:hover {
    background: var(--green-dark);
    color: var(--white);
}

@media (min-width: 900px) {
    .nav-links    { display: flex; }
    .nav-hamburger { display: none; }
    .nav-mobile   { display: none !important; }
}


/* ============================================================
   5. HERO SECTION
   ============================================================ */

.hero {
    position: relative;
    background: var(--green-dark);
    padding: var(--space-lg) 0 var(--space-2xl);
    border-bottom: 0.5px solid var(--grey-200);
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 30%;
    z-index: 0;
}

/* Mobile: dark green fade top-to-bottom */
.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgba(17, 67, 50, 0.96) 0%,
        rgba(17, 67, 50, 0.90) 35%,
        rgba(17, 67, 50, 0.70) 65%,
        rgba(17, 67, 50, 0.30) 100%
    );
    z-index: 1;
}

.hero-inner {
    position: relative;
    z-index: 2;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-lg);
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-xl);
    align-items: start;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    background: rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.95);
    border: 1px solid rgba(255,255,255,0.25);
    font-size: 0.8125rem;
    font-weight: 600;
    padding: 5px 12px;
    border-radius: var(--radius-full);
    margin-bottom: var(--space-md);
}

.hero-badge-dot {
    width: 6px;
    height: 6px;
    background: #7dcea0;
    border-radius: 50%;
    flex-shrink: 0;
}

.hero-title {
    font-size: clamp(2rem, 5vw, 3rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: var(--space-md);
}

.hero-title .text-green {
    color: #7dcea0;
}

.hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.85);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
    max-width: 520px;
}

/* Rate badge: hero-anchored trust signal that addresses the "is the rate higher?"
   objection head-on. Three columns: bank icon + rate figure + comparison claim. */
.rate-badge {
    display: flex;
    align-items: center;
    gap: var(--space-md);
    padding: 12px 18px;
    background: rgba(255, 255, 255, 0.97);
    border: 1px solid rgba(44, 130, 61, 0.18);
    border-radius: var(--radius-lg);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
    margin-bottom: var(--space-lg);
    max-width: 520px;
    flex-wrap: nowrap;
}

.rate-badge-icon {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: var(--green-light);
    border-radius: 50%;
}

.rate-badge-figure {
    display: flex;
    flex-direction: column;
    flex-shrink: 0;
    border-right: 1px solid rgba(0, 0, 0, 0.08);
    padding-right: var(--space-md);
    line-height: 1.15;
}

.rate-badge-rate {
    display: flex;
    align-items: baseline;
    gap: 6px;
}

.rate-badge-prefix {
    font-size: 0.6875rem;
    color: var(--grey-500);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rate-badge-number {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--green);
    letter-spacing: -0.5px;
    line-height: 1;
}

.rate-badge-product {
    font-size: 0.75rem;
    color: var(--grey-700);
    font-weight: 500;
    margin-top: 2px;
}

.rate-badge-claim {
    display: flex;
    flex-direction: column;
    flex: 1;
    min-width: 0;
    line-height: 1.3;
}

.rate-badge-claim-text {
    font-size: 0.8125rem;
    color: var(--grey-900);
    font-weight: 600;
}

.rate-badge-disclaimer {
    font-size: 0.625rem;
    color: var(--grey-500);
    margin-top: 4px;
    line-height: 1.3;
    font-style: italic;
}

/* Mobile: stack rate figure above the claim text instead of side-by-side */
@media (max-width: 480px) {
    .rate-badge {
        flex-wrap: wrap;
        gap: var(--space-sm);
    }
    .rate-badge-figure {
        border-right: none;
        border-bottom: 1px solid rgba(0, 0, 0, 0.08);
        padding-right: 0;
        padding-bottom: var(--space-xs);
        flex: 1;
    }
    .rate-badge-claim {
        flex-basis: 100%;
    }
}

.trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-sm);
    margin-bottom: var(--space-lg);
}

.trust-pill {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    background: rgba(255,255,255,0.12);
    border: 1px solid rgba(255,255,255,0.25);
    border-radius: var(--radius-full);
    padding: 5px 12px;
    font-size: 0.8125rem;
    color: rgba(255,255,255,0.9);
    white-space: nowrap;
}

.trust-pill svg {
    width: 12px;
    height: 12px;
    flex-shrink: 0;
}

.trust-pill svg circle,
.trust-pill svg path {
    stroke: #7dcea0;
}

@media (min-width: 900px) {
    .hero-inner {
        grid-template-columns: 1fr 420px;
        gap: var(--space-2xl);
        align-items: center;
    }
    /* Desktop: dark green left, transparent right — image shows through */
    .hero-overlay {
        background: linear-gradient(
            to right,
            rgba(17, 67, 50, 0.97) 0%,
            rgba(17, 67, 50, 0.93) 30%,
            rgba(17, 67, 50, 0.65) 50%,
            rgba(17, 67, 50, 0.05) 72%,
            rgba(17, 67, 50, 0.0) 100%
        );
    }
    .hero-bg {
        object-position: 65% 35%;
    }
}


/* ============================================================
   6. CALCULATOR CARD
   ============================================================ */

.calc-card {
    background: var(--white);
    border: 0.5px solid var(--grey-300);
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    box-shadow: var(--shadow-card);
    position: relative;
    overflow: hidden;
}

/* Loading overlay — covers the entire calc-card while a server calc is in flight.
   Hidden by default; .is-visible toggle is added/removed by JS. */
.calc-loading {
    position: absolute;
    inset: 0;
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(2px);
    -webkit-backdrop-filter: blur(2px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 50;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.18s ease, visibility 0s linear 0.18s;
    pointer-events: none;
}

.calc-loading.is-visible {
    opacity: 1;
    visibility: visible;
    transition: opacity 0.18s ease, visibility 0s linear 0s;
    pointer-events: auto;
}

.calc-loading-inner {
    text-align: center;
    padding: var(--space-md);
    max-width: 280px;
}

.calc-loading-spinner {
    width: 44px;
    height: 44px;
    margin: 0 auto var(--space-md);
    border: 3px solid var(--grey-200, #e8e8e8);
    border-top-color: var(--green, #2C823D);
    border-radius: 50%;
    animation: calc-spin 0.7s linear infinite;
}

@keyframes calc-spin {
    to { transform: rotate(360deg); }
}

.calc-loading-text {
    font-size: 1rem;
    font-weight: 600;
    color: var(--grey-900);
    margin: 0 0 4px;
}

.calc-loading-sub {
    font-size: 0.875rem;
    color: var(--grey-700);
    margin: 0;
}

/* Reduced motion: drop the spinner animation, use a pulse instead */
@media (prefers-reduced-motion: reduce) {
    .calc-loading-spinner {
        animation: calc-pulse 1.4s ease-in-out infinite;
    }
    @keyframes calc-pulse {
        0%, 100% { opacity: 0.4; }
        50%      { opacity: 1; }
    }
}

/* Step transitions — crossfade between steps with a subtle upward slide.
   Inactive steps are visually hidden AND removed from layout flow so they
   don't reserve vertical space. */
.calc-step {
    display: none;
    opacity: 0;
    transform: translateY(8px);
    transition: opacity 0.2s ease-out, transform 0.2s ease-out;
    will-change: opacity, transform;
}

.calc-step.is-active {
    display: block;
    opacity: 1;
    transform: translateY(0);
}

/* Phase 1: fade out the outgoing step */
.calc-step.is-leaving {
    opacity: 0;
    transform: translateY(-4px);
    transition: opacity 0.15s ease-in, transform 0.15s ease-in;
}

/* Phase 2: starting state for the incoming step (just before is-active settles in) */
.calc-step.is-entering {
    opacity: 0;
    transform: translateY(8px);
}

/* Reduced motion: skip the slide; fall back to instant swap */
@media (prefers-reduced-motion: reduce) {
    .calc-step,
    .calc-step.is-active,
    .calc-step.is-leaving,
    .calc-step.is-entering {
        transition: none;
        transform: none;
    }
}

/* Step progress dots */
.step-dots {
    display: flex;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
}

.step-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--grey-200);
    transition: background 0.2s ease, transform 0.2s ease, opacity 0.2s ease;
}

.step-dot.is-active   { background: var(--green); transform: scale(1.2); }
.step-dot.is-complete { background: var(--green); opacity: 0.55; }
.step-dot.is-done     { background: var(--green-mid); }

.calc-heading {
    font-size: 1.1875rem;
    font-weight: 700;
    color: var(--black);
    margin-bottom: 6px;
    line-height: 1.3;
}

.calc-sub-text {
    font-size: 0.9375rem;
    color: var(--grey-700);
    margin-bottom: var(--space-md);
    line-height: 1.5;
}

/* Form fields */
.field {
    margin-bottom: var(--space-md);
}

.field label {
    display: block;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--grey-700);
    margin-bottom: var(--space-xs);
    line-height: 1.4;
}

.field select,
.field input {
    width: 100%;
    padding: 11px 14px;
    border: 0.5px solid var(--grey-300);
    border-radius: var(--radius-sm);
    /* 16px font on inputs/selects prevents iOS Safari from auto-zooming on focus */
    font-size: 1rem;
    color: var(--grey-900);
    background: var(--grey-100);
    transition: border-color var(--transition), background var(--transition), box-shadow var(--transition), transform 0.1s ease;
    appearance: none;
    -webkit-appearance: none;
    font-family: var(--font);
}

.field input {
    min-height: 52px;
    padding: 14px 18px;
    border: 1px solid var(--grey-300);
    border-left: 3px solid var(--grey-400, #b8b8b8);
    border-radius: var(--radius-md);
    background: var(--white);
    line-height: 1.3;
}

.field input::placeholder {
    color: var(--grey-500);
    font-weight: 400;
}

.field input:hover {
    border-color: var(--grey-400, #b8b8b8);
    background: var(--white);
}

.field input:focus {
    outline: none;
    border-color: var(--green);
    border-left-color: var(--green);
    background: var(--white);
    box-shadow: 0 0 0 3px rgba(44, 130, 61, 0.12);
}

/* Browser autofill — override the default yellow background that browsers inject */
.field input:-webkit-autofill,
.field input:-webkit-autofill:hover,
.field input:-webkit-autofill:focus {
    -webkit-box-shadow: 0 0 0 1000px var(--white) inset;
    -webkit-text-fill-color: var(--grey-900);
    transition: background-color 5000s ease-in-out 0s;
}

/* Tappable select — sized and styled to read as a confident button affordance.
   Native <select> under the hood: keeps platform-correct iOS wheel picker /
   Android modal / desktop menu, gets accessibility and autofill for free. */
.field select {
    min-height: 56px;
    padding: 14px 44px 14px 18px;
    border: 1px solid var(--grey-300);
    border-left: 3px solid var(--green);
    border-radius: var(--radius-md);
    background-color: var(--white);
    /* Chevron-down icon (cleaner than the triangle, larger tap-affordance cue) */
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%232C823D' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    background-size: 14px 14px;
    cursor: pointer;
    font-weight: 500;
    line-height: 1.3;
}

/* Placeholder state — gray text when no real value is selected.
   Triggered by .is-empty class added/removed by JS (see initSelectStates). */
.field select.is-empty {
    color: var(--grey-500);
    font-weight: 400;
}

.field select:hover {
    border-color: var(--green);
    background-color: var(--green-light);
}

.field select:focus,
.field select:focus-visible {
    outline: none;
    border-color: var(--green);
    border-left-color: var(--green);
    background-color: var(--white);
    box-shadow: 0 0 0 3px rgba(44, 130, 61, 0.12);
}

.field select:active {
    transform: scale(0.995);
}

/* Field row (two columns) */
.field-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-sm);
}

/* Error message */
.field-error {
    font-size: 0.875rem;
    color: var(--danger-text);
    margin-top: var(--space-xs);
    display: none;
    line-height: 1.4;
}

.field-error.is-visible { display: block; }

/* Calculator result */
.calc-result {
    text-align: center;
    padding: var(--space-md) 0;
}

.result-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    border-radius: var(--radius-full);
    padding: 5px 14px;
    font-size: 0.75rem;
    font-weight: 600;
    margin-bottom: var(--space-md);
}

.result-badge--pass   { background: var(--green-light); color: var(--green); }
.result-badge--warn   { background: var(--warn-bg);     color: var(--warn-text); }
.result-badge--danger { background: var(--danger-bg);   color: var(--danger-text); }

.result-label {
    font-size: 1rem;
    color: var(--grey-500);
    margin-bottom: var(--space-xs);
}

.result-price {
    font-size: 2.75rem;
    font-weight: 700;
    color: var(--green);
    margin-bottom: var(--space-md);
    line-height: 1;
}

.result-message {
    font-size: 1rem;
    color: var(--grey-700);
    line-height: 1.7;
}

.calc-divider {
    border: none;
    border-top: 0.5px solid var(--grey-200);
    margin: var(--space-md) 0;
}

/* Disclaimer + seals */
.calc-disclaimer {
    font-size: 0.875rem;
    color: var(--grey-700);
    margin-top: var(--space-md);
    text-align: center;
    line-height: 1.5;
}

.calc-seals {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    gap: var(--space-xl);
    margin-top: var(--space-md);
}

.seal {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 3px;
}

/* Reserve a consistent 56px-tall slot for each badge so smaller badges
   center within the slot and the labels below stay horizontally aligned. */
.seal-img-slot {
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.seal-badge {
    width: 42px;
    height: 28px;
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-sm);
    background: var(--grey-100);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.7rem;
    font-weight: 700;
}

.seal-badge--bbb { color: #003da5; border-color: #c0ccdf; }

/* Image-based trust badges (BBB, SSL, No Fees) — replaces CSS pills.
   Per conversion research: keep badges in official colors (recognized brand
   color = trust signal), avoid greyscale, sized for clear visibility without
   dominating the form. Sweet spot: ~56px tall. */
.seal-img {
    height: 56px;
    width: auto;
    max-width: 120px;
    object-fit: contain;
    display: block;
}

/* SSL badge fills edge-to-edge (no internal padding like BBB has),
   so render smaller so its visual weight matches the BBB logo. */
.seal-img--ssl {
    height: 42px;
}

.seal-label {
    font-size: 0.6875rem;
    color: var(--grey-500);
    margin-top: 4px;
}

/* Thank you / confirmation state */
.calc-thankyou {
    text-align: center;
    padding: var(--space-xl) 0;
}

.calc-thankyou-icon {
    width: 56px;
    height: 56px;
    background: var(--green-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-md);
}

.calc-thankyou-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--black);
    margin-bottom: var(--space-sm);
}

.calc-thankyou-msg {
    font-size: 1rem;
    color: var(--grey-700);
    line-height: 1.6;
    margin-bottom: var(--space-md);
}

.calc-thankyou-note {
    background: var(--green-light);
    border-radius: var(--radius-md);
    padding: var(--space-md);
    font-size: 0.9375rem;
    color: var(--green);
    line-height: 1.5;
}


/* ============================================================
   7. BUTTONS
   ============================================================ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-xs);
    font-family: var(--font);
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    text-decoration: none;
    transition: background var(--transition), box-shadow var(--transition), color var(--transition);
    line-height: 1;
    white-space: nowrap;
}

.btn--primary {
    background: var(--green);
    color: var(--white);
    padding: 14px 24px;
    width: 100%;
    box-shadow: var(--shadow-btn);
}

.btn--primary:hover {
    background: var(--green-dark);
    color: var(--white);
    box-shadow: 0 6px 18px rgba(0,0,0,0.22);
}

.btn--outline {
    background: transparent;
    color: var(--green);
    border: 1.5px solid var(--green);
    padding: 13px 24px;
    width: 100%;
}

.btn--outline:hover {
    background: var(--green-light);
    color: var(--green-dark);
}

.btn--ghost {
    background: none;
    border: none;
    color: var(--grey-700);
    font-size: 0.875rem;
    padding: var(--space-sm) 0 0;
    cursor: pointer;
    display: inline-block;
    width: auto;
}

.btn--ghost:hover { color: var(--grey-900); }

.btn--coapp-no {
    background: var(--white);
    color: var(--grey-900);
    border: 1.5px solid var(--grey-300);
    padding: 13px 24px;
    width: 100%;
    font-size: 0.9375rem;
    font-weight: 500;
    box-shadow: none;
}

.btn--coapp-no:hover {
    background: var(--grey-100);
    border-color: var(--grey-500);
    color: var(--black);
}

.btn + .btn { margin-top: var(--space-sm); }


/* ============================================================
   8. HOW IT WORKS
   ============================================================ */

.steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-md);
}

.step-card {
    background: var(--white);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-md);
    padding: var(--space-lg);
    display: flex;
    gap: var(--space-md);
    align-items: flex-start;
}

.step-number {
    width: 32px;
    height: 32px;
    background: var(--green-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8125rem;
    font-weight: 700;
    color: var(--green);
    flex-shrink: 0;
}

.step-title {
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--black);
    margin-bottom: var(--space-xs);
    line-height: 1.3;
}

.step-desc {
    font-size: 0.9375rem;
    color: var(--grey-700);
    line-height: 1.6;
}

@media (min-width: 768px) {
    .steps-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}


/* ============================================================
   9. FEATURES
   ============================================================ */

.features-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-lg);
}

.feature {
    display: flex;
    gap: var(--space-md);
    align-items: flex-start;
}

.feature-icon {
    width: 38px;
    height: 38px;
    background: var(--green);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.feature-icon svg {
    width: 18px;
    height: 18px;
    fill: var(--white);
    stroke: var(--white);
}

.feature-title {
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--black);
    margin-bottom: var(--space-xs);
    line-height: 1.3;
}

.feature-desc {
    font-size: 0.9375rem;
    color: var(--grey-700);
    line-height: 1.6;
}

@media (min-width: 768px) {
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}


/* ============================================================
   10. REVIEWS
   ============================================================ */

.reviews-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-md);
}

.review-card {
    background: var(--white);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-md);
    padding: var(--space-lg);
}

.review-stars {
    color: #f5a623;
    font-size: 0.875rem;
    letter-spacing: 2px;
    margin-bottom: var(--space-sm);
}

.review-text {
    font-size: 0.9375rem;
    color: var(--grey-700);
    line-height: 1.7;
    font-style: italic;
    margin-bottom: var(--space-md);
}

.review-author {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
}

.review-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    overflow: hidden;
    background: var(--green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8125rem;
    font-weight: 700;
    color: var(--white);
    flex-shrink: 0;
}

.review-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.review-name {
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--black);
}

.review-location {
    font-size: 0.8125rem;
    color: var(--grey-700);
}

@media (min-width: 900px) {
    .reviews-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}


/* ============================================================
   11. FAQS
   ============================================================ */

.faqs {
    max-width: 760px;
    margin: var(--space-xl) auto 0;
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
}

.faq {
    background: var(--white);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.faq:hover {
    border-color: var(--grey-300);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
}

/* Open state — green left edge accent + soft elevation */
.faq:has(.faq-trigger[aria-expanded="true"]) {
    border-color: var(--green);
    box-shadow: 0 4px 20px rgba(44, 130, 61, 0.08);
}

.faq-trigger {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: var(--space-md) var(--space-lg);
    display: flex;
    align-items: center;
    gap: var(--space-md);
    cursor: pointer;
    font-family: var(--font);
    font-size: 1rem;
    font-weight: 600;
    color: var(--black);
    transition: color var(--transition);
}

.faq-trigger:hover { color: var(--green); }

/* Topic icon — sits in a soft green circle on the left */
.faq-topic-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--green-light, #e8f5ec);
    color: var(--green);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.faq-trigger[aria-expanded="true"] .faq-topic-icon {
    background: var(--green);
    color: var(--white);
    transform: scale(1.05);
}

/* Question text — flexes to fill space */
.faq-question {
    flex: 1;
    line-height: 1.4;
}

/* Plus/close icon on the right */
.faq-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--grey-100, #f3f4f6);
    color: var(--grey-700);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1rem;
    font-weight: 400;
    line-height: 1;
    transition: transform 0.25s ease, background 0.2s ease, color 0.2s ease;
}

.faq-trigger[aria-expanded="true"] .faq-icon {
    transform: rotate(45deg);
    background: var(--green);
    color: var(--white);
}

/* Body — uses grid-template-rows for smooth accordion (modern technique) */
.faq-body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.3s ease;
}

.faq-body-inner {
    overflow: hidden;
    color: var(--grey-700);
    font-size: 0.9375rem;
    line-height: 1.7;
}

.faq-body.is-open {
    grid-template-rows: 1fr;
}

.faq-body.is-open .faq-body-inner {
    /* Indent body to align under the question text, past the icon */
    padding: 0 var(--space-lg) var(--space-lg);
    padding-left: calc(var(--space-lg) + 36px + var(--space-md));
}

/* Footer prompt below the FAQ list */
.faq-footer-prompt {
    text-align: center;
    margin-top: var(--space-xl);
    font-size: 0.9375rem;
    color: var(--grey-700);
}

.faq-footer-link {
    color: var(--green);
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid transparent;
    transition: border-color 0.15s ease;
}

.faq-footer-link:hover {
    border-bottom-color: var(--green);
}

@media (max-width: 600px) {
    .faq-trigger {
        padding: var(--space-md);
        gap: var(--space-sm);
        font-size: 0.875rem;
    }
    .faq-topic-icon {
        width: 32px;
        height: 32px;
    }
    .faq-body.is-open .faq-body-inner {
        padding: 0 var(--space-md) var(--space-md);
        padding-left: calc(var(--space-md) + 32px + var(--space-sm));
    }
}


/* ============================================================
   12. LENDING PARTNERS
   ============================================================ */

#lending-partners .section-label,
#lending-partners .section-title,
#lending-partners .section-sub {
    text-align: center;
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-lg) var(--space-md);
    align-items: center;
    max-width: 900px;
    margin: var(--space-xl) auto 0;
}

.partner-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    height: 70px;
    padding: 0 var(--space-md);
}

.partner-logo img {
    max-height: 100%;
    max-width: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
    /* Subtle desaturation at rest keeps the row visually calm; restores on hover */
    filter: grayscale(0.35);
    opacity: 0.85;
    transition: filter 0.2s ease, opacity 0.2s ease;
}

.partner-logo:hover img {
    filter: grayscale(0);
    opacity: 1;
}

.partners-disclaimer {
    font-size: 0.875rem;
    color: var(--grey-700);
    text-align: center;
    margin-top: var(--space-xl);
    max-width: 640px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.5;
}

@media (min-width: 768px) {
    .partners-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: var(--space-xl) var(--space-lg);
    }
    .partner-logo {
        height: 80px;
    }
}


/* ============================================================
   13. CTA BANNER
   ============================================================ */

.cta-banner {
    background: var(--green);
    padding: var(--space-2xl) 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

/* Grass photo variant: image background with green overlay for readability */
.cta-banner--grass {
    background-image: url('../imgs/grass.jpg');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: calc(var(--space-2xl) * 1.4) 0;
}

.cta-banner-overlay {
    position: absolute;
    inset: 0;
    /* Stronger at top (sun flare area) softer at bottom (grass already dark green) */
    background: linear-gradient(
        180deg,
        rgba(20, 70, 32, 0.82) 0%,
        rgba(44, 130, 61, 0.65) 60%,
        rgba(44, 130, 61, 0.55) 100%
    );
    pointer-events: none;
}

.cta-banner-content {
    position: relative;
    z-index: 1;
}

.cta-banner h2 {
    color: var(--white);
    margin-bottom: var(--space-sm);
    text-shadow: 0 2px 12px rgba(0, 0, 0, 0.25);
}

.cta-banner h2 em {
    font-style: italic;
    /* Subtle highlight on the emphasized word */
    color: #d8f5dd;
    font-weight: 700;
}

.cta-banner p {
    color: rgba(255,255,255,0.92);
    margin-bottom: var(--space-xl);
    font-size: 1rem;
    line-height: 1.5;
    text-shadow: 0 1px 8px rgba(0, 0, 0, 0.2);
}

.cta-banner .btn--white {
    background: var(--white);
    color: var(--green);
    padding: 14px 32px;
    width: auto;
    display: inline-flex;
    box-shadow: var(--shadow-btn);
    font-size: 1rem;
}

.cta-banner .btn--white:hover {
    background: var(--grey-100);
    color: var(--green-dark);
}


/* ============================================================
   14. FOOTER
   ============================================================ */

.site-footer {
    background: #0a1f17;
    color: rgba(255,255,255,0.7);
    padding: 0;
    border-top: 4px solid #114332;
}

/* ===== Trust block (3 columns) ===== */
.footer-trust {
    padding: var(--space-2xl) var(--space-lg);
}

.footer-trust-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-xl);
}

@media (min-width: 800px) {
    .footer-trust-inner {
        grid-template-columns: 1.1fr 1fr 1fr;
        gap: var(--space-2xl);
    }
}

.footer-col-heading {
    font-size: 0.75rem;
    font-weight: 700;
    color: #7dcea0;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin: 0 0 var(--space-md);
}

/* ===== Column 1: Map ===== */
.footer-map-wrap {
    border-radius: var(--radius-md);
    overflow: hidden;
    background: #114332;
    box-shadow: 0 4px 16px rgba(0,0,0,0.3);
    margin-bottom: var(--space-sm);
}

.footer-map-wrap iframe {
    display: block;
}

.footer-directions-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    color: #7dcea0;
    font-size: 0.8125rem;
    font-weight: 600;
    text-decoration: none;
    transition: color var(--transition);
}

.footer-directions-link:hover {
    color: #fff;
}

/* ===== Column 2: Address + Hours ===== */
.footer-info-block {
    margin-bottom: var(--space-md);
}

.footer-info-block:last-child {
    margin-bottom: 0;
}

.footer-info-label {
    font-size: 0.6875rem;
    font-weight: 600;
    color: rgba(255,255,255,0.45);
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 4px;
}

.footer-info-text {
    font-size: 0.9375rem;
    color: rgba(255,255,255,0.85);
    line-height: 1.6;
    font-style: normal;
}

.footer-hours-row {
    display: flex;
    justify-content: space-between;
    gap: var(--space-md);
    margin-bottom: 6px;
}

.footer-hours-row span:first-child {
    color: rgba(255,255,255,0.6);
}

.footer-hours-status {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 8px;
    font-size: 0.8125rem;
    font-weight: 500;
}

.footer-status-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #999;
    display: inline-block;
}

.footer-status-dot.is-open {
    background: #4ade80;
    box-shadow: 0 0 0 3px rgba(74, 222, 128, 0.2);
    animation: footer-pulse 2s ease-in-out infinite;
}

.footer-status-dot.is-closed {
    background: #f59e0b;
}

@keyframes footer-pulse {
    0%, 100% { box-shadow: 0 0 0 3px rgba(74, 222, 128, 0.2); }
    50% { box-shadow: 0 0 0 5px rgba(74, 222, 128, 0.1); }
}

/* ===== Column 3: Contact ===== */
.footer-contact-item {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    padding: var(--space-sm) 0;
    border-bottom: 0.5px solid rgba(255,255,255,0.08);
    transition: color var(--transition);
}

.footer-contact-item:first-child {
    padding-top: 0;
}

.footer-contact-item:hover {
    color: #7dcea0;
}

.footer-contact-item svg {
    flex-shrink: 0;
    color: #7dcea0;
}

.footer-contact-label {
    font-size: 0.6875rem;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 2px;
}

.footer-contact-value {
    font-size: 0.9375rem;
    font-weight: 500;
    color: inherit;
}

.footer-trust-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: var(--space-md);
    padding-top: var(--space-md);
}

.footer-pill {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: rgba(125, 206, 160, 0.1);
    border: 1px solid rgba(125, 206, 160, 0.25);
    color: rgba(255,255,255,0.85);
    font-size: 0.6875rem;
    font-weight: 500;
    padding: 4px 10px;
    border-radius: var(--radius-full);
    white-space: nowrap;
}

/* ===== Bottom strip ===== */
.footer-bottom-strip {
    background: #050f0c;
    padding: var(--space-lg) 0;
    border-top: 0.5px solid rgba(255,255,255,0.08);
}

.footer-bottom-inner {
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
    margin-bottom: var(--space-md);
    padding-bottom: var(--space-md);
    border-bottom: 0.5px solid rgba(255,255,255,0.08);
}

@media (min-width: 768px) {
    .footer-bottom-inner {
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
    }
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: var(--space-lg);
    flex-wrap: wrap;
}

.footer-brand-logo {
    /* Source PNG is 480×88. Display at a height that gives it presence in the footer
       without dominating. Width auto-scales proportionally. */
    height: 42px;
    width: auto;
    flex-shrink: 0;
    display: block;
}

/* "Member of [Invis]" badge — sits alongside the brand logo */
.footer-member-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    padding-left: var(--space-md);
    border-left: 1px solid rgba(255,255,255,0.12);
}

.footer-member-label {
    font-size: 0.6875rem;
    color: rgba(255,255,255,0.5);
    font-weight: 500;
    letter-spacing: 0.3px;
    text-transform: uppercase;
    line-height: 1.1;
}

.footer-member-logo {
    height: 72px;
    width: auto;
    display: block;
    flex-shrink: 0;
    /* Invis is yellow on its own — let it stay vibrant against the dark footer */
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-lg);
}

.footer-link {
    font-size: 0.8125rem;
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    transition: color var(--transition);
}

.footer-link:hover {
    color: #7dcea0;
}

.footer-copy {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.45);
    line-height: 1.5;
    margin-bottom: var(--space-xs);
    padding: 0 var(--space-lg);
}

.footer-disclaimer {
    font-size: 0.6875rem;
    color: rgba(255,255,255,0.3);
    line-height: 1.5;
    padding: 0 var(--space-lg);
    margin: 0;
}


/* ============================================================
   15. COOKIE CONSENT BANNER
   ============================================================ */

#cookie-banner {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: var(--white);
    border-top: 0.5px solid var(--grey-200);
    padding: var(--space-lg) var(--space-lg);
    z-index: 9999;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.08);
}

.cb-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    display: flex;
    align-items: flex-start;
    gap: var(--space-xl);
    flex-wrap: wrap;
}

.cb-text { flex: 1; min-width: 220px; }

.cb-title {
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--black);
    margin-bottom: var(--space-xs);
}

.cb-desc {
    font-size: 0.75rem;
    color: var(--grey-700);
    line-height: 1.6;
}

.cb-desc a { color: var(--green); text-decoration: underline; }

.cb-buttons {
    display: flex;
    gap: var(--space-sm);
    flex-wrap: wrap;
    align-items: center;
    flex-shrink: 0;
}

.cb-btn {
    padding: 9px 16px;
    border-radius: var(--radius-sm);
    font-size: 0.8125rem;
    font-weight: 600;
    cursor: pointer;
    font-family: var(--font);
    white-space: nowrap;
    border: none;
    transition: background var(--transition), color var(--transition);
}

.cb-btn--accept {
    background: var(--green);
    color: var(--white);
    box-shadow: var(--shadow-btn);
}
.cb-btn--accept:hover { background: var(--green-dark); }

.cb-btn--necessary {
    background: var(--white);
    color: var(--green);
    border: 1.5px solid var(--green) !important;
}
.cb-btn--necessary:hover { background: var(--green-light); }

.cb-btn--deny {
    background: none;
    color: var(--grey-500);
    border: 1.5px solid var(--grey-300) !important;
}
.cb-btn--deny:hover { background: var(--grey-100); color: var(--grey-900); }

@media (max-width: 600px) {
    .cb-inner    { flex-direction: column; gap: var(--space-md); }
    .cb-buttons  { width: 100%; }
    .cb-btn      { flex: 1; text-align: center; }
}


/* ============================================================
   16. UTILITY CLASSES
   ============================================================ */

.visually-hidden {
    position: absolute;
    width: 1px; height: 1px;
    padding: 0; margin: -1px;
    overflow: hidden;
    clip: rect(0,0,0,0);
    white-space: nowrap;
    border: 0;
}

.mt-sm  { margin-top: var(--space-sm); }
.mt-md  { margin-top: var(--space-md); }
.mt-lg  { margin-top: var(--space-lg); }
.mt-xl  { margin-top: var(--space-xl); }
.mb-md  { margin-bottom: var(--space-md); }
.mb-lg  { margin-bottom: var(--space-lg); }


/* ============================================================
   THANK YOU PAGE
   ============================================================ */

.ty-page body,
.ty-section {
    min-height: calc(100vh - var(--nav-height));
    display: flex;
    align-items: center;
    background: var(--grey-100);
    padding: var(--space-2xl) 0;
}

.ty-card {
    background: var(--white);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-lg);
    padding: var(--space-2xl) var(--space-xl);
    max-width: 560px;
    margin: 0 auto;
    text-align: center;
    box-shadow: var(--shadow-card);
}

.ty-icon {
    width: 72px;
    height: 72px;
    background: var(--green-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-lg);
}

/* Office hours meta row — quiet, informative, on-brand green
   (replaces the previous alarming yellow "closed" badge) */
.ty-meta-row {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--grey-700);
    font-size: 0.875rem;
    font-weight: 500;
    padding: 8px 14px;
    background: var(--green-light);
    border-radius: var(--radius-full);
    margin-top: var(--space-md);
    line-height: 1.4;
}

.ty-meta-row svg {
    flex-shrink: 0;
}

.ty-heading {
    font-size: clamp(1.4rem, 3vw, 1.875rem);
    font-weight: 700;
    color: var(--black);
    margin-bottom: var(--space-md);
    line-height: 1.25;
}

.ty-body {
    font-size: 1rem;
    color: var(--grey-700);
    line-height: 1.7;
    max-width: 440px;
    margin: 0 auto;
}

.ty-divider {
    border-top: 0.5px solid var(--grey-200);
    margin: var(--space-xl) 0;
}

.ty-tip {
    background: var(--green-light);
    border-radius: var(--radius-md);
    padding: var(--space-lg);
    margin-bottom: var(--space-xl);
    text-align: left;
}

.ty-tip-label {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--green);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: var(--space-sm);
}

.ty-tip-text {
    font-size: 0.9375rem;
    color: var(--green);
    line-height: 1.6;
}

.ty-actions {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    margin-bottom: var(--space-xl);
}

.ty-btn {
    width: 100%;
}

.ty-trust {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-md);
    list-style: none;
    padding: 0;
    border-top: 0.5px solid var(--grey-200);
    padding-top: var(--space-lg);
}

.ty-trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: 0.8125rem;
    color: var(--grey-700);
}

@media (min-width: 600px) {
    .ty-actions {
        flex-direction: row;
        justify-content: center;
    }
    .ty-btn {
        width: auto;
    }
}

/* ============================================================
   BUYING INTENT BUTTONS
   ============================================================ */

.intent-buttons {
    display: flex;
    flex-direction: column;
    gap: var(--space-sm);
    margin-top: var(--space-md);
}

.btn-intent {
    width: 100%;
    background: var(--white);
    border: 1.5px solid var(--grey-200);
    border-radius: var(--radius-md);
    padding: 14px 18px;
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--grey-900);
    cursor: pointer;
    font-family: var(--font);
    text-align: left;
    transition: border-color var(--transition), background var(--transition), color var(--transition), box-shadow var(--transition);
}

.btn-intent:hover {
    border-color: var(--green);
    background: var(--green-light);
    color: var(--green);
    box-shadow: 0 2px 8px rgba(44, 130, 61, 0.1);
}

.btn-intent.is-selected {
    border-color: var(--green);
    background: var(--green);
    color: var(--white);
}

/* ============================================================
   THANK YOU PAGE — HERO VERSION
   ============================================================ */

.ty-hero {
    position: relative;
    min-height: calc(100vh - var(--nav-height));
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: var(--space-2xl) 0;
}

.ty-hero-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: 65% 35%;
    z-index: 0;
}

.ty-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgba(255,255,255,0.55) 0%,
        rgba(255,255,255,0.45) 100%
    );
    z-index: 1;
}

.ty-hero-inner {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: center;
}

.ty-result-label {
    font-size: 0.9375rem;
    color: var(--grey-500);
    margin-bottom: 4px;
}

.ty-result-price {
    font-size: clamp(2.5rem, 6vw, 3.5rem);
    font-weight: 700;
    color: var(--green);
    line-height: 1;
    margin-bottom: var(--space-lg);
}

.ty-warn-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
    background: var(--warn-bg);
    color: var(--warn-text);
    font-size: 0.8125rem;
    font-weight: 600;
    padding: 5px 14px;
    border-radius: var(--radius-full);
    margin-bottom: var(--space-md);
}

/* ============================================================
   THANK YOU PAGE — FAQ SECTION
   ============================================================ */

/* Pulse animation on the clock icon */
.ty-icon--pulse {
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.05); opacity: 0.85; }
}

/* FAQ section on thank-you page */
.ty-faq-section {
    background: var(--white);
    padding: var(--space-2xl) 0;
}

.ty-faq-inner {
    max-width: 720px;
    margin: 0 auto;
}

.ty-faq-heading {
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 700;
    color: var(--black);
    margin: var(--space-sm) 0;
    text-align: center;
}

.ty-faq-sub {
    font-size: 1rem;
    color: var(--grey-700);
    text-align: center;
    max-width: 480px;
    margin: 0 auto var(--space-xl);
}

/* Footer trust row */
.ty-footer-trust {
    background: var(--grey-100);
    padding: var(--space-xl) 0;
    border-top: 0.5px solid var(--grey-200);
}

.ty-footer-trust .ty-trust {
    border-top: none;
    padding-top: 0;
}

/* ============================================================
   THANK YOU PAGE — GOOGLE REVIEWS SECTION
   ============================================================ */

.ty-reviews-section {
    background: var(--white);
    padding: var(--space-2xl) 0;
    border-top: 0.5px solid var(--grey-200);
}

.ty-reviews-inner {
    max-width: 1080px;
    margin: 0 auto;
}

.ty-reviews-heading {
    text-align: center;
    margin-bottom: var(--space-xl);
}

.ty-reviews-heading h2 {
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 700;
    color: var(--black);
    margin: var(--space-sm) 0 var(--space-md);
}

.ty-reviews-summary {
    display: flex;
    justify-content: center;
}

.ty-reviews-rating {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-xs);
    background: var(--grey-100);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-full);
    padding: var(--space-sm) var(--space-lg);
}

.ty-reviews-stars {
    display: flex;
    gap: 2px;
}

.ty-reviews-stars .ty-star,
.ty-review-stars .ty-star {
    width: 16px;
    height: 16px;
}

.ty-reviews-rating-text {
    font-size: 0.875rem;
    color: var(--grey-700);
}

.ty-reviews-rating-text strong {
    color: var(--black);
    font-weight: 700;
}

.google-brand {
    font-weight: 700;
    letter-spacing: -0.5px;
}

/* Reviews grid */
.ty-reviews-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--space-lg);
    margin-bottom: var(--space-xl);
}

@media (min-width: 720px) {
    .ty-reviews-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 1080px) {
    .ty-reviews-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.ty-reviews-loading,
.ty-reviews-error {
    grid-column: 1 / -1;
    text-align: center;
    padding: var(--space-xl);
    color: var(--grey-500);
    font-size: 0.9375rem;
}

.ty-reviews-error a {
    color: var(--green);
    text-decoration: underline;
}

/* Individual review card */
.ty-review-card {
    background: var(--white);
    border: 0.5px solid var(--grey-200);
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    box-shadow: 0 1px 3px rgba(0,0,0,0.04);
    display: flex;
    flex-direction: column;
}

.ty-review-header {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
}

.ty-review-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--green-light);
    color: var(--green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.875rem;
    flex-shrink: 0;
}

.ty-review-author {
    flex: 1;
    min-width: 0;
}

.ty-review-name {
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--black);
    line-height: 1.3;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.ty-review-time {
    font-size: 0.75rem;
    color: var(--grey-500);
    margin-top: 2px;
}

.ty-review-google {
    flex-shrink: 0;
}

.ty-review-stars {
    display: flex;
    gap: 1px;
    margin-bottom: var(--space-sm);
}

.ty-review-text {
    font-size: 0.9375rem;
    color: var(--grey-700);
    line-height: 1.6;
    margin: 0;
    flex: 1;
    white-space: pre-wrap;
    word-wrap: break-word;
}

.ty-review-more {
    align-self: flex-start;
    background: none;
    border: none;
    color: var(--green);
    font-size: 0.8125rem;
    font-weight: 600;
    padding: var(--space-xs) 0 0;
    cursor: pointer;
    font-family: var(--font);
}

.ty-review-more:hover {
    text-decoration: underline;
}

.ty-reviews-cta {
    text-align: center;
}

.ty-reviews-cta .btn {
    display: inline-flex;
    width: auto;
}

/* ============================================================
   HONEYPOT — invisible spam trap field
   Hidden multiple ways for max bot resistance + a11y
   ============================================================ */

.hp-field {
    position: absolute !important;
    left: -9999px !important;
    top: -9999px !important;
    width: 1px !important;
    height: 1px !important;
    overflow: hidden !important;
    opacity: 0 !important;
    pointer-events: none !important;
}

/* ============================================================
   TAP BUTTONS — single-question form steps with auto-advance
   ============================================================ */

.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;
}

.tap-group {
    border: none;
    padding: 0;
    margin: 0 0 var(--space-md);
}

.tap-legend {
    display: block;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--grey-900, #1a1a1a);
    margin-bottom: var(--space-sm);
    padding: 0;
}

.tap-buttons {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.tap-btn {
    position: relative;
    display: flex;
    align-items: center;
    gap: 14px;
    background: var(--white, #fff);
    border: 1.5px solid var(--grey-300, #d8d8d4);
    border-radius: 12px;
    padding: 16px 18px;
    font-family: inherit;
    color: var(--grey-900, #1a1a1a);
    cursor: pointer;
    text-align: left;
    transition: border-color 0.15s ease, background 0.15s ease,
                box-shadow 0.15s ease, transform 0.05s ease;
    width: 100%;
}

.tap-btn:hover {
    border-color: var(--green, #2C823D);
    background: #fafdfb;
    box-shadow: 0 2px 8px rgba(44, 130, 61, 0.08);
}

.tap-btn:active {
    transform: scale(0.99);
}

.tap-btn:focus-visible {
    outline: none;
    border-color: var(--green, #2C823D);
    box-shadow: 0 0 0 3px rgba(44, 130, 61, 0.18);
}

.tap-btn.is-selected {
    border-color: var(--green, #2C823D);
    background: var(--green-light, #e8f3eb);
    box-shadow: inset 0 0 0 1px var(--green, #2C823D);
}

.tap-btn.is-selected .tap-btn-title,
.tap-btn.is-selected .tap-btn-icon,
.tap-btn.is-selected .tap-btn-arrow {
    color: var(--green, #2C823D);
}

.tap-btn-icon {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 72px;
    height: 48px;
    padding: 0 12px;
    border-radius: 12px;
    background: #e8f3eb;
    color: #1e6a2c;
    transition: transform 0.15s ease;
}

.tap-btn:hover .tap-btn-icon { transform: scale(1.05); }

/* ---- CSS score badges (credit step) ---- */
.tap-btn-score {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 72px;
    height: 48px;
    padding: 0 12px;
    border-radius: 12px;
    font-size: 1.125rem;        /* bumped from 0.8125rem */
    font-weight: 800;           /* bumped from 700 */
    letter-spacing: -0.3px;     /* tighter */
    background: var(--green-light, #e8f3eb);
    color: #1e6a2c;             /* deeper green default */
    transition: transform 0.15s ease;
}

/* All credit score badges share one neutral, non-judgmental palette */
.tap-btn-score--great,
.tap-btn-score--good,
.tap-btn-score--fair { background: #e8f3eb; color: #1e6a2c; }

.tap-btn:hover .tap-btn-score { transform: scale(1.05); }

/* Bruised Credit keeps the alert SVG — uses the same neutral palette as other badges */

/* ---- CSS percentage badges (down payment step) ---- */
.tap-btn-pct {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 72px;
    height: 48px;
    padding: 0 12px;
    border-radius: 12px;
    font-size: 1.125rem;        /* matches score badges */
    font-weight: 800;
    letter-spacing: -0.3px;
    background: var(--green-light, #e8f3eb);
    color: #1e6a2c;
    transition: transform 0.15s ease;
}

/* All down-payment badges share the same neutral palette */
.tap-btn-pct--zero,
.tap-btn-pct--limited,
.tap-btn-pct--safe { background: #e8f3eb; color: #1e6a2c; }

.tap-btn:hover .tap-btn-pct { transform: scale(1.05); }

.tap-btn-content {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}

.tap-btn-title {
    font-size: 1rem;
    font-weight: 600;
    color: var(--grey-900, #1a1a1a);
    line-height: 1.3;
}

.tap-btn-sub {
    font-size: 0.875rem;
    font-weight: 400;
    color: var(--grey-700, #4b5563);
    line-height: 1.3;
}

.tap-btn-arrow {
    flex-shrink: 0;
    color: var(--grey-300, #c8c8c4);
    font-size: 1.125rem;
    font-weight: 400;
    transition: color 0.15s ease, transform 0.15s ease;
}

.tap-btn:hover .tap-btn-arrow {
    color: var(--green, #2C823D);
    transform: translateX(3px);
}


/* ============================================================
   CONTACT METHOD PICKER (Step 5) — 2x2 grid of CSS-icon buttons
   ============================================================ */

.contact-picker {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: var(--space-md);
}

.contact-btn {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--white, #fff);
    border: 1.5px solid var(--grey-300, #d8d8d4);
    border-radius: 12px;
    padding: 18px 12px;
    font-family: inherit;
    color: var(--grey-900, #1a1a1a);
    cursor: pointer;
    transition: border-color 0.15s ease, background 0.15s ease,
                box-shadow 0.15s ease, transform 0.05s ease;
    min-height: 92px;
}

.contact-btn:hover {
    border-color: var(--green, #2C823D);
    background: #fafdfb;
}

.contact-btn:active { transform: scale(0.98); }

.contact-btn:focus-visible {
    outline: none;
    border-color: var(--green, #2C823D);
    box-shadow: 0 0 0 3px rgba(44, 130, 61, 0.18);
}

.contact-btn.is-selected {
    border-color: var(--green, #2C823D);
    background: var(--green-light, #e8f3eb);
    box-shadow: inset 0 0 0 1px var(--green, #2C823D);
}

.contact-btn.is-selected .contact-btn-label {
    color: var(--green, #2C823D);
    font-weight: 600;
}

/* Contact picker icons — inline SVG using currentColor.
   Inherits text color from the button so unselected = grey, selected = green. */
.contact-btn-icon {
    display: block;
    width: 32px;
    height: 32px;
    color: var(--grey-700, #4b5563);
    transition: color 0.15s ease, transform 0.15s ease;
    flex-shrink: 0;
}

.contact-btn.is-selected .contact-btn-icon {
    color: var(--green, #2C823D);
    transform: scale(1.05);
}

.contact-btn-label {
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--grey-900, #1a1a1a);
    line-height: 1.2;
}

/* Disclaimer link styling (privacy policy reference) */
.calc-disclaimer a {
    color: var(--green, #2C823D);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.calc-disclaimer a:hover {
    color: #1e6a2c;
}

/* Secure variant: shown on the contact-info step with an inline lock icon
   to reinforce data safety at the point of submission */
.calc-disclaimer--secure {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    text-align: left;
    /* Subtle background tint sets it apart as a "secure submission" cue */
    background: var(--green-light, #edf7f1);
    padding: 10px 12px;
    border-radius: var(--radius-sm, 6px);
}

.calc-disclaimer--secure .calc-disclaimer-lock {
    flex-shrink: 0;
    color: var(--green, #2C823D);
    margin-top: 2px;
}

.calc-disclaimer--secure span {
    flex: 1;
    line-height: 1.5;
}

/* ============================================================
   PRIVACY POLICY PAGE
   ============================================================ */

.legal-page {
    background: var(--white);
    padding: var(--space-2xl) 0 var(--space-2xl);
    min-height: 60vh;
}

.legal-container {
    max-width: 760px;
    margin: 0 auto;
    padding: 0 var(--space-lg);
}

.legal-page h1 {
    font-size: clamp(1.75rem, 4vw, 2.25rem);
    font-weight: 700;
    color: var(--black);
    margin: 0 0 var(--space-xs);
    line-height: 1.2;
}

.legal-page .legal-effective {
    font-size: 0.875rem;
    color: var(--grey-500);
    margin-bottom: var(--space-xl);
}

.legal-page h2 {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--black);
    margin: var(--space-xl) 0 var(--space-sm);
    line-height: 1.3;
}

.legal-page h3 {
    font-size: 1rem;
    font-weight: 600;
    color: var(--black);
    margin: var(--space-lg) 0 var(--space-xs);
}

.legal-page p,
.legal-page ul,
.legal-page ol {
    font-size: 0.9375rem;
    color: var(--grey-700);
    line-height: 1.7;
    margin: 0 0 var(--space-md);
}

.legal-page ul,
.legal-page ol {
    padding-left: 1.5rem;
}

.legal-page li {
    margin-bottom: 6px;
}

.legal-page a {
    color: var(--green);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.legal-page a:hover {
    color: #1e6a2c;
}

.legal-page strong {
    font-weight: 600;
    color: var(--black);
}