/* ===== HomMetra — warm architectural ledger aesthetic ===== */
:root{
  --paper:#FBF6EC;
  --paper-2:#F1E9D9;
  --card:#FFFFFF;
  --ink:#19212E;
  --ink-soft:#5A6673;
  --line:#E1D6C0;
  --navy:#1C3A5E;
  --navy-deep:#12263F;
  --gold:#B98A2F;
  --gold-soft:#F3E6C8;
  --sage:#7A8B6F;
  --danger:#B3261E;
  --radius:16px;
  --shadow:0 1px 2px rgba(25,33,46,.05), 0 16px 36px -20px rgba(25,33,46,.30);
  --font-display:"Spectral",Georgia,"Times New Roman",serif;
  --font-body:"Outfit","Segoe UI",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:
    linear-gradient(180deg,rgba(243,230,200,.34),rgba(243,230,200,0) 420px),
    linear-gradient(90deg, rgba(28,58,94,.035) 1px, transparent 1px),
    linear-gradient(rgba(28,58,94,.035) 1px, transparent 1px),
    var(--paper);
  background-size:auto, 46px 46px, 46px 46px, auto;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.5rem .9rem;z-index:50}
.skip-link:focus{left:12px;top:12px}

/* ---- Header ---- */
.site-head{position:sticky;top:0;z-index:40;background:rgba(251,246,236,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.head-inner{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;color:var(--ink)}
.logo{width:38px;height:38px;display:block}
.brand-name{font-family:var(--font-display);font-weight:700;font-size:1.32rem;letter-spacing:-.01em}
.brand-name span{color:var(--gold)}
.site-nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0}
.site-nav a{color:var(--ink-soft);font-weight:600;font-size:.93rem}
.site-nav a:hover{color:var(--navy);text-decoration:none}
.menu-btn{display:none}

/* ---- Hero ---- */
.hero{padding:48px 0 16px}
.eyebrow{font-weight:700;font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
h1{font-family:var(--font-display);font-weight:700;font-size:clamp(2rem,5vw,3.05rem);line-height:1.1;letter-spacing:-.015em;margin:0 0 16px}
.lede{font-size:1.08rem;color:var(--ink-soft);max-width:64ch;margin:0}

/* ---- Tool panel ---- */
.tool{padding:24px 0}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}

.fields-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.input-field{display:flex;flex-direction:column;gap:6px}
.input-field label{font-weight:600;font-size:.85rem}
.input-suffix{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:11px;background:var(--paper);transition:.18s}
.input-suffix:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(28,58,94,.10)}
.input-suffix input{flex:1;min-width:0;border:0;background:transparent;font:600 1.02rem var(--font-body);color:var(--ink);padding:11px 10px;outline:0}
.pre{padding-left:12px;color:var(--ink-soft);font-weight:600}
.suffix{font-size:.76rem;color:var(--ink-soft);padding-right:12px;white-space:nowrap}
.field-hint{font-size:.78rem;color:var(--ink-soft);margin:0}
.input-field.invalid .input-suffix{border-color:var(--danger)}

.advanced{margin-top:20px;border:1px solid var(--line);border-radius:12px;background:var(--paper)}
.advanced summary{cursor:pointer;padding:14px 16px;font-weight:700;list-style:none;color:var(--navy)}
.advanced summary::-webkit-details-marker{display:none}
.advanced summary::after{content:"+";float:right;color:var(--gold);font-weight:800}
.advanced[open] summary::after{content:"\2013"}
.adv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:4px 16px 16px}

.btn-row{display:flex;gap:12px;margin-top:20px}
.btn-primary{flex:1;border:0;border-radius:11px;padding:14px;background:var(--navy);color:#fff;font:700 1rem var(--font-body);cursor:pointer;transition:.18s}
.btn-primary:hover{background:var(--navy-deep);transform:translateY(-1px);box-shadow:0 10px 22px -10px rgba(28,58,94,.6)}
.btn-ghost{flex:0 0 auto;border:1.5px solid var(--gold);background:#fff;color:var(--gold);font:700 .9rem var(--font-body);padding:0 18px;border-radius:11px;cursor:pointer;transition:.18s}
.btn-ghost:hover{background:var(--gold);color:#fff}
.error-msg{color:var(--danger);font-weight:600;font-size:.88rem;margin:14px 0 0}
.error-msg:empty{display:none}

/* ---- Results ---- */
.results{margin-top:22px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);animation:rise .5s ease}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.r-head{text-align:center;margin-bottom:20px}
.r-head h2{font-family:var(--font-display);font-weight:700;font-size:clamp(2rem,5vw,2.9rem);margin:0;letter-spacing:-.01em}
.r-head-sub{color:var(--ink-soft);margin:6px 0 0;font-weight:500}

.piti-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.piti{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:16px;text-align:center}
.piti-val{display:block;font-weight:800;font-size:1.28rem}
.piti-name{font-size:.78rem;color:var(--ink-soft)}
.tots{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.tot{background:var(--navy);color:#fff;border-radius:12px;padding:16px;text-align:center}
.tot-num{display:block;font-family:var(--font-display);font-weight:700;font-size:1.4rem}
.tot-name{font-size:.78rem;color:#C7D2E0}

/* ---- Compare ---- */
.compare-panel{margin-top:26px;padding-top:20px;border-top:1px dashed var(--line)}
.compare-panel h3,.amort-panel h3{font-family:var(--font-display);font-weight:700;font-size:1.2rem;margin:0 0 14px}
.cmp-card{border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin-bottom:10px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
.cmp-card.alt{border-color:var(--gold);background:var(--gold-soft)}
.cmp-term{font-weight:700}
.cmp-val{font-size:1.35rem;font-weight:800}
.cmp-line{flex-basis:100%;margin:6px 0 0;color:var(--ink-soft);font-size:.9rem}
.cmp-line strong{color:var(--ink)}
.cmp-delta{margin-left:8px;font-weight:700}
.cmp-delta.good{color:var(--sage)}
.cmp-delta.warn{color:var(--gold)}
.cmp-verdict{margin:14px 0 0;color:var(--ink-soft);font-size:.92rem}

/* ---- Amortization ---- */
.amort-panel{margin-top:26px;padding-top:20px;border-top:1px dashed var(--line)}
.amort-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px}
.amort-toggle{display:flex;border:1px solid var(--line);border-radius:9px;overflow:hidden}
.amort-toggle button{border:0;background:var(--paper);padding:9px 16px;font:600 .85rem var(--font-body);cursor:pointer;color:var(--ink-soft)}
.amort-toggle button.active{background:var(--navy);color:#fff}
.table-scroll{overflow-x:auto;max-height:360px;overflow-y:auto;border:1px solid var(--line);border-radius:11px;margin-top:8px}
table.amt-table{width:100%;border-collapse:collapse;font-size:.88rem;min-width:420px}
.amt-table thead th{position:sticky;top:0;background:var(--navy);color:#fff;padding:10px 12px;text-align:right;font-weight:600}
.amt-table th:first-child{text-align:left}
.amt-table tbody td{padding:9px 12px;text-align:right;border-top:1px solid var(--line)}
.amt-table td:first-child{text-align:left;font-weight:700}
.amt-table tbody tr:nth-child(even){background:var(--paper)}

.disclaimer-micro{margin-top:22px;padding-top:16px;border-top:1px dashed var(--line);font-size:.76rem;color:var(--ink-soft)}

/* ---- Why ---- */
.why{padding:34px 0}
.why-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:start}
.why-copy h2{font-family:var(--font-display);font-weight:700;font-size:clamp(1.5rem,3.4vw,2.1rem);letter-spacing:-.01em;margin:0 0 14px}
.why-copy p{color:var(--ink-soft);font-size:1rem}
.why-steps{list-style:none;counter-reset:step;margin:0;padding:0;display:grid;gap:12px}
.why-steps li{counter-increment:step;background:var(--card);border:1px solid var(--line);border-radius:13px;padding:16px 18px 16px 58px;position:relative;box-shadow:var(--shadow)}
.why-steps li::before{content:counter(step);position:absolute;left:16px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:9px;background:var(--gold-soft);color:var(--gold);font-weight:800;display:flex;align-items:center;justify-content:center}
.why-steps strong{display:block;margin-bottom:2px}
.why-steps li{color:var(--ink-soft);font-size:.9rem}

/* ---- FAQ ---- */
.faq{padding:14px 0 34px}
.faq h2{font-family:var(--font-display);font-weight:700;font-size:clamp(1.5rem,3.4vw,2rem);margin:0 0 18px}
.faq-item{border:1px solid var(--line);background:var(--card);border-radius:14px;margin-bottom:12px;overflow:hidden;box-shadow:var(--shadow)}
.faq-item summary{cursor:pointer;padding:16px 20px;font-weight:700;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";float:right;color:var(--gold);font-weight:800}
.faq-item[open] summary::after{content:"\2013"}
.faq-item p{padding:0 20px 18px;margin:0;color:var(--ink-soft);font-size:.93rem}

/* ---- Articles teaser ---- */
.articles-teaser{padding:10px 0 50px}
.teaser-head{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:18px}
.teaser-head h2{font-family:var(--font-display);font-weight:700;font-size:1.7rem;margin:0}
.text-link{font-weight:700}
.teaser-card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;margin-bottom:12px;box-shadow:var(--shadow);transition:.2s}
.teaser-card:hover{transform:translateY(-2px);box-shadow:var(--shadow),0 14px 26px -16px rgba(25,33,46,.28)}
.teaser-card a{color:var(--ink)}
.teaser-card h3{font-family:var(--font-display);font-weight:700;font-size:1.05rem;margin:0 0 6px}
.teaser-card p{margin:0;color:var(--ink-soft);font-size:.9rem}
.teaser-card a:hover{text-decoration:none}

/* ---- Footer ---- */
.site-foot{background:var(--navy-deep);color:#C9D4E0;margin-top:20px}
.foot-grid{display:flex;justify-content:space-between;align-items:center;gap:18px;padding-top:34px;padding-bottom:24px;flex-wrap:wrap}
.foot-brand{font-weight:700;margin:0;color:#fff}
.site-foot nav ul{list-style:none;display:flex;gap:20px;margin:0;padding:0;flex-wrap:wrap}
.site-foot nav a{color:#9FB0C6;font-size:.9rem}
.site-foot nav a:hover{color:#fff}
.foot-legal{padding-bottom:30px;font-size:.78rem;color:#7C8DA4}

/* ---- Cookie ---- */
.cookie-banner{position:fixed;bottom:0;left:0;right:0;background:var(--ink);color:#fff;padding:14px 22px;z-index:60;transform:translateY(100%);transition:.3s;font-size:.88rem}
.cookie-banner.show{transform:none}
.cookie-banner p{margin:0;display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.cookie-banner button{border:1px solid #fff;background:transparent;color:#fff;padding:6px 14px;border-radius:8px;cursor:pointer;font-weight:600}
.cookie-banner button:hover{background:#fff;color:var(--ink)}

/* ---- Static pages ---- */
.page{padding:46px 0 56px}
.page-narrow{max-width:760px}
.page h1{font-family:var(--font-display);font-weight:700;font-size:clamp(1.9rem,4.4vw,2.6rem);letter-spacing:-.015em;margin:0 0 10px}
.page-lede{font-size:1.08rem;color:var(--ink-soft);margin:0 0 26px}
.page h2{font-family:var(--font-display);font-weight:700;font-size:1.5rem;letter-spacing:-.01em;margin:34px 0 10px}
.page p,.page li{color:var(--ink-soft);font-size:.98rem}
.page ul{padding-left:20px}
.page table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.92rem}
.page th,.page td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.page th{background:var(--paper);font-weight:700}
.article-body p,.article-body li{color:var(--ink-soft);font-size:1rem;line-height:1.7}
.article-list{display:grid;gap:14px;margin-top:8px}
.article-card{display:block;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:var(--shadow);transition:.2s;color:var(--ink)}
.article-card:hover{transform:translateY(-2px);border-color:var(--navy);text-decoration:none;box-shadow:var(--shadow),0 14px 26px -18px rgba(25,33,46,.3)}
.article-card h2{font-family:var(--font-display);font-weight:700;font-size:1.12rem;margin:0 0 6px}
.article-card p{margin:0;color:var(--ink-soft);font-size:.9rem}
.article-meta{display:flex;gap:18px;color:var(--ink-soft);font-size:.82rem;margin:0 0 18px}
.article-meta span{white-space:nowrap}

/* ---- Mobile ---- */
@media(max-width:820px){
  .fields-grid{grid-template-columns:1fr 1fr}
  .adv-grid{grid-template-columns:1fr 1fr}
  .piti-grid{grid-template-columns:1fr 1fr}
  .why-grid{grid-template-columns:1fr}
}
@media(max-width:720px){
  .menu-btn{display:inline-block;border:1px solid var(--line);background:var(--card);border-radius:10px;padding:9px 14px;font:600 .9rem var(--font-body);cursor:pointer;color:var(--ink)}
  .site-nav ul{display:none;position:absolute;top:70px;left:0;right:0;background:var(--card);border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:8px 0;box-shadow:0 18px 26px -18px rgba(0,0,0,.3)}
  .site-nav ul.open{display:flex}
  .site-nav ul a{display:block;padding:12px 22px}
}
@media(max-width:480px){
  .fields-grid{grid-template-columns:1fr}
  .adv-grid{grid-template-columns:1fr}
  .tots{grid-template-columns:1fr 1fr}
  .piti-grid{grid-template-columns:1fr 1fr}
}
@media(min-width:721px){
  .site-nav ul{display:flex}
  .menu-btn{display:none}
}