/* ============================================================
   TOKENS
   ============================================================ */
:root{
  --ink:        #0E2F3A;
  --ink-soft:   #3D5F6B;
  --slate:      #6A868F;

  --blue:       #1C6E8C;
  --blue-deep:  #11475C;
  --blue-wash:  #E4F0F4;

  --green:      #2E9E7E;
  --green-deep: #1E7460;
  --green-wash: #E2F2EC;

  --mist:       #F2F8F9;
  --paper:      #FFFFFF;
  --line:       #D2E3E7;
  --line-soft:  #E8F1F3;

  --amber:      #B57A2E;
  --rust:       #B04A38;

  --display: 'Archivo', system-ui, sans-serif;
  --body:    'Public Sans', system-ui, sans-serif;
  --mono:    'IBM Plex Mono', ui-monospace, monospace;

  --wrap: 1180px;
  --nav-h: 62px;
  --r: 10px;
}

/* ============================================================
   BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--mist);
  color:var(--ink);
  font-family:var(--body);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:var(--display);margin:0;line-height:1.12;letter-spacing:-0.022em;font-weight:700}
p{margin:0}
a{color:var(--blue);text-decoration:none}
button{font:inherit;cursor:pointer}
table{border-collapse:collapse;width:100%}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}

.eyebrow{
  font-family:var(--mono);font-size:11px;font-weight:500;
  letter-spacing:.16em;text-transform:uppercase;color:var(--blue);
  display:flex;align-items:center;gap:10px;margin-bottom:14px;
}
.eyebrow::after{content:"";flex:1;height:1px;background:var(--line);max-width:120px}

section{scroll-margin-top:calc(var(--nav-h) + 12px)}
.band{padding:78px 0;border-top:1px solid var(--line)}
.band--paper{background:var(--paper)}
.band-head{max-width:660px;margin-bottom:38px}
.band-head h2{font-size:clamp(27px,4.2vw,40px)}
.band-head p{color:var(--ink-soft);margin-top:12px;font-size:17px}

/* ============================================================
   NAV
   ============================================================ */
.nav{
  position:sticky;top:0;z-index:60;height:var(--nav-h);
  background:rgba(255,255,255,.93);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav-in{max-width:var(--wrap);margin:0 auto;padding:0 22px;height:100%;
  display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink)}
.brand svg{display:block;flex:none}
.brand b{font-family:var(--display);font-weight:800;font-size:17px;letter-spacing:-.02em}
.brand span{font-family:var(--mono);font-size:10px;letter-spacing:.2em;color:var(--slate);
  text-transform:uppercase;display:block;margin-top:-2px}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a{
  font-size:14px;font-weight:500;color:var(--ink-soft);
  padding:4px 0;border-bottom:1.5px solid transparent;transition:.16s;
}
.nav-links a:hover{color:var(--blue);border-color:var(--blue)}
.nav-cta{
  background:var(--ink);color:#fff;border:0;border-radius:7px;
  padding:9px 16px;font-size:14px;font-weight:600;transition:.16s;
}
.nav-cta:hover{background:var(--blue-deep)}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:7px;
  padding:8px 10px;line-height:0}
.burger span{display:block;width:17px;height:1.5px;background:var(--ink);margin:3.5px 0}

/* ============================================================
   HERO
   ============================================================ */
.hero{background:var(--paper);padding:64px 0 74px}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(34px,5.4vw,55px);letter-spacing:-.032em}
.hero h1 em{font-style:normal;color:var(--green-deep)}
.hero-sub{color:var(--ink-soft);font-size:18px;margin-top:18px;max-width:44ch}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.btn{
  display:inline-block;border-radius:8px;padding:13px 22px;
  font-size:15px;font-weight:600;border:1px solid transparent;transition:.16s;
}
.btn-a{background:var(--green-deep);color:#fff}
.btn-a:hover{background:#186352}
.btn-b{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-b:hover{border-color:var(--blue);color:var(--blue)}

.hero-strip{
  display:flex;flex-wrap:wrap;gap:26px 40px;margin-top:36px;
  padding-top:26px;border-top:1px solid var(--line-soft);
}
.hero-strip div{min-width:96px}
.hero-strip b{font-family:var(--mono);font-size:23px;font-weight:600;color:var(--blue-deep);display:block}
.hero-strip small{font-size:12px;color:var(--slate);letter-spacing:.03em}

/* --- Hero calculator (signature element) --- */
.pencil{
  background:linear-gradient(168deg,#0E2F3A,#14495C 62%,#186253);
  border-radius:16px;padding:26px;color:#fff;
  box-shadow:0 20px 46px -22px rgba(14,47,58,.6);
}
.pencil-top{display:flex;align-items:baseline;justify-content:space-between;
  gap:12px;margin-bottom:20px}
.pencil-top h3{font-size:18px;color:#fff}
.pencil-top small{font-family:var(--mono);font-size:10px;letter-spacing:.16em;
  text-transform:uppercase;color:rgba(255,255,255,.5)}
.pencil-rows{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.pf label{display:block;font-size:11px;letter-spacing:.05em;text-transform:uppercase;
  color:rgba(255,255,255,.62);margin-bottom:5px;font-weight:500}
.pf input{
  width:100%;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);
  color:#fff;border-radius:7px;padding:10px 11px;font-family:var(--mono);
  font-size:15px;font-variant-numeric:tabular-nums;
}
.pf input:focus{outline:2px solid var(--green);outline-offset:1px;background:rgba(255,255,255,.14)}

.gauge{margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.16)}
.gauge-head{display:flex;align-items:flex-end;justify-content:space-between;gap:14px}
.gauge-val{font-family:var(--mono);font-size:44px;font-weight:600;line-height:1;letter-spacing:-.03em}
.gauge-lab{font-size:11px;letter-spacing:.14em;text-transform:uppercase;
  color:rgba(255,255,255,.55);font-family:var(--mono);margin-bottom:6px}
.gauge-tier{text-align:right;font-size:13px;font-weight:600;line-height:1.35;max-width:150px}
.gauge-track{position:relative;height:7px;border-radius:4px;margin:18px 0 8px;overflow:hidden;
  background:linear-gradient(90deg,#B04A38 0 22%,#B57A2E 22% 45%,#2E9E7E 45% 100%);opacity:.85}
.gauge-pin{position:absolute;top:-4px;width:3px;height:15px;background:#fff;border-radius:2px;
  transition:left .4s cubic-bezier(.2,.8,.3,1);box-shadow:0 0 0 2px rgba(14,47,58,.45)}
.gauge-scale{display:flex;justify-content:space-between;font-family:var(--mono);
  font-size:10px;color:rgba(255,255,255,.45)}
.pencil-note{margin-top:16px;font-size:12.5px;color:rgba(255,255,255,.62);line-height:1.5}
.pencil-note b{color:#7FD9BC;font-family:var(--mono);font-weight:500}

/* ============================================================
   PROGRAMS
   ============================================================ */
.prog{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.prog-card{background:var(--paper);padding:26px 22px 24px;display:flex;flex-direction:column}
.prog-card h3{font-size:19px;margin-bottom:4px}
.prog-tag{font-family:var(--mono);font-size:10.5px;letter-spacing:.13em;text-transform:uppercase;
  color:var(--green-deep);margin-bottom:14px;display:block}
.prog-card p{font-size:14.5px;color:var(--ink-soft);flex:1}
.prog-facts{list-style:none;margin:18px 0 0;padding:16px 0 0;border-top:1px solid var(--line-soft)}
.prog-facts li{display:flex;justify-content:space-between;gap:10px;font-size:13px;padding:4px 0}
.prog-facts span{color:var(--slate)}
.prog-facts b{font-family:var(--mono);font-weight:500;color:var(--ink)}

/* ============================================================
   TABS (shared)
   ============================================================ */
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:0;
  border-bottom:1px solid var(--line);padding-bottom:0}
.tab{
  background:none;border:0;border-bottom:2.5px solid transparent;
  padding:10px 14px;font-size:14.5px;font-weight:600;color:var(--slate);
  transition:.16s;margin-bottom:-1px;
}
.tab:hover{color:var(--ink)}
.tab.on{color:var(--blue-deep);border-color:var(--green)}
.panel{display:none;padding-top:30px}
.panel.on{display:block}

/* ============================================================
   RATE SHEET
   ============================================================ */
.sheet-head{display:flex;justify-content:space-between;align-items:flex-end;
  gap:20px;flex-wrap:wrap;margin-bottom:26px}
.stamp{
  font-family:var(--mono);font-size:11px;letter-spacing:.08em;color:var(--ink-soft);
  border:1px solid var(--line);border-radius:6px;padding:8px 12px;background:var(--paper);
  white-space:nowrap;
}
.stamp b{color:var(--green-deep);font-weight:600}

.tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;
  border:1px solid var(--line);border-radius:var(--r);background:var(--paper)}
.tbl{min-width:600px;font-size:14px}
.tbl th{
  text-align:left;font-family:var(--mono);font-size:10.5px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--slate);font-weight:500;
  padding:13px 16px;border-bottom:1px solid var(--line);background:var(--blue-wash);
}
.tbl td{padding:13px 16px;border-bottom:1px solid var(--line-soft);vertical-align:top}
.tbl tr:last-child td{border-bottom:0}
.tbl td:first-child{font-weight:600;color:var(--ink)}
.tbl .num{font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
.tbl tbody tr:hover{background:#FAFDFD}

.terms-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));
  gap:1px;background:var(--line);border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;margin-top:22px}
.term{background:var(--paper);padding:17px 18px}
.term small{display:block;font-family:var(--mono);font-size:10px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--slate);margin-bottom:6px}
.term b{font-family:var(--mono);font-size:16px;font-weight:600;color:var(--blue-deep)}
.fineprint{font-size:12.5px;color:var(--slate);margin-top:18px;line-height:1.55}

/* ============================================================
   CALCULATORS
   ============================================================ */
.calc{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:26px;align-items:start}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card > h4{font-size:15px;margin-bottom:18px;display:flex;align-items:center;gap:9px}
.card > h4::before{content:"";width:4px;height:15px;background:var(--green);border-radius:2px}

.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f{display:flex;flex-direction:column}
.f.wide{grid-column:1/-1}
.f label{font-size:12.5px;font-weight:500;color:var(--ink-soft);margin-bottom:6px}
.f .in{position:relative;display:flex;align-items:center}
.f .in::before{content:attr(data-pre);position:absolute;left:11px;font-family:var(--mono);
  font-size:13px;color:var(--slate);pointer-events:none}
.f .in::after{content:attr(data-post);position:absolute;right:11px;font-family:var(--mono);
  font-size:13px;color:var(--slate);pointer-events:none}
.f .in[data-pre] input{padding-left:26px}
.f .in[data-post] input{padding-right:32px}
.f input,.f select{
  width:100%;background:var(--mist);border:1px solid var(--line);border-radius:7px;
  padding:10px 11px;font-family:var(--mono);font-size:14.5px;color:var(--ink);
  font-variant-numeric:tabular-nums;transition:.14s;
}
.f select{font-family:var(--body);font-size:14px}
.f input:focus,.f select:focus{outline:0;border-color:var(--blue);background:#fff;
  box-shadow:0 0 0 3px rgba(28,110,140,.13)}

.out{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.out-hero{padding:22px 24px;background:linear-gradient(160deg,var(--blue-wash),var(--green-wash))}
.out-hero small{font-family:var(--mono);font-size:10.5px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--blue-deep);display:block;margin-bottom:4px}
.out-hero .big{font-family:var(--mono);font-size:36px;font-weight:600;letter-spacing:-.03em;
  color:var(--ink);line-height:1.1}
.out-hero .sub{font-size:13px;color:var(--ink-soft);margin-top:6px}
.out-list{list-style:none;margin:0;padding:6px 24px 20px}
.out-list li{display:flex;justify-content:space-between;align-items:baseline;gap:14px;
  padding:10px 0;border-bottom:1px solid var(--line-soft);font-size:14px}
.out-list li:last-child{border-bottom:0}
.out-list li.tot{border-top:1.5px solid var(--line);margin-top:4px;padding-top:13px;font-weight:600}
.out-list span{color:var(--ink-soft)}
.out-list b{font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;
  white-space:nowrap;color:var(--ink)}
.out-list b.good{color:var(--green-deep)}
.out-list b.warn{color:var(--amber)}
.out-list b.bad{color:var(--rust)}

.pill{display:inline-block;font-family:var(--mono);font-size:11px;letter-spacing:.07em;
  padding:4px 9px;border-radius:20px;font-weight:500;margin-top:10px}
.pill.good{background:var(--green-wash);color:var(--green-deep)}
.pill.warn{background:#FBF0DD;color:var(--amber)}
.pill.bad{background:#FBE7E3;color:var(--rust)}

.calc-note{font-size:12.5px;color:var(--slate);margin-top:14px;line-height:1.55}
.constraint{font-size:12.5px;background:var(--blue-wash);border-radius:7px;padding:10px 12px;
  margin-top:14px;color:var(--blue-deep);line-height:1.5}

/* ============================================================
   PROCESS
   ============================================================ */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.step{background:var(--paper);padding:24px 20px}
.step .day{font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;
  color:var(--green-deep);display:block;margin-bottom:12px;padding-bottom:10px;
  border-bottom:1px solid var(--line-soft)}
.step h4{font-size:15.5px;margin-bottom:7px}
.step p{font-size:13.5px;color:var(--ink-soft)}

/* ============================================================
   CONTACT
   ============================================================ */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.contact-lines{list-style:none;padding:0;margin:26px 0 0}
.contact-lines li{display:flex;gap:14px;padding:15px 0;border-bottom:1px solid var(--line)}
.contact-lines small{font-family:var(--mono);font-size:10.5px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--slate);width:74px;flex:none;padding-top:3px}
.contact-lines b{font-weight:600;font-size:15.5px}
.contact-lines a{font-weight:600;font-size:15.5px}
textarea{
  width:100%;background:var(--mist);border:1px solid var(--line);border-radius:7px;
  padding:11px;font-family:var(--body);font-size:14.5px;color:var(--ink);
  min-height:96px;resize:vertical;
}
textarea:focus{outline:0;border-color:var(--blue);background:#fff;
  box-shadow:0 0 0 3px rgba(28,110,140,.13)}
.form-btn{width:100%;background:var(--green-deep);color:#fff;border:0;border-radius:8px;
  padding:14px;font-size:15px;font-weight:600;margin-top:18px;transition:.16s}
.form-btn:hover{background:#186352}
.form-btn:disabled{background:var(--slate);cursor:default}
.form-status{font-size:13.5px;text-align:center;margin-top:12px;min-height:20px;font-weight:500}
.form-status.ok{color:var(--green-deep)}
.form-status.err{color:var(--rust)}
.form-status a{color:inherit;text-decoration:underline}
/* Badge hidden — permitted because the disclosure text above is visible */
.grecaptcha-badge{visibility:hidden}

/* ============================================================
   FOOTER
   ============================================================ */
.foot{background:var(--ink);color:rgba(255,255,255,.72);padding:48px 0 34px;font-size:13px}
.foot-top{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;
  padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.14)}
.foot .brand b,.foot .brand{color:#fff}
.foot-nav{display:flex;gap:24px;flex-wrap:wrap}
.foot-nav a{color:rgba(255,255,255,.72)}
.foot-nav a:hover{color:#7FD9BC}
.disclaim{margin-top:24px;font-size:12px;line-height:1.65;color:rgba(255,255,255,.5);max-width:88ch}
.disclaim + .disclaim{margin-top:12px}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .prog{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .calc{grid-template-columns:1fr}
  .contact{grid-template-columns:1fr;gap:34px}
}
@media (max-width:720px){
  .nav-links{
    position:fixed;inset:var(--nav-h) 0 auto 0;background:#fff;flex-direction:column;
    align-items:stretch;gap:0;padding:8px 22px 18px;border-bottom:1px solid var(--line);
    box-shadow:0 16px 30px -18px rgba(14,47,58,.35);display:none;
  }
  .nav-links.open{display:flex}
  .nav-links a{padding:13px 0;border-bottom:1px solid var(--line-soft);font-size:15.5px}
  .burger{display:block}
  .nav-cta{display:none}
  .band{padding:56px 0}
  .hero{padding:44px 0 54px}
  .prog,.steps{grid-template-columns:1fr}
  .fields{grid-template-columns:1fr}
  .pencil{padding:22px}
  .pencil-rows{grid-template-columns:1fr 1fr;gap:10px}
  .gauge-val{font-size:38px}
  .out-hero .big{font-size:31px}
  .tab{padding:9px 11px;font-size:13.5px}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important}
}


/* ---- multi-page additions ---- */
.nav-links a.here{color:var(--blue-deep);border-color:var(--green)}
.crumb{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;
  color:var(--slate);padding:26px 0 0}
.crumb a{color:var(--slate)} .crumb a:hover{color:var(--blue)}
.page-head{padding:26px 0 8px}
.page-head h1{font-size:clamp(30px,5vw,46px);letter-spacing:-.03em}
.page-head p{color:var(--ink-soft);font-size:17.5px;margin-top:14px;max-width:56ch}
.next{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.next a{background:var(--paper);padding:20px 22px;display:block;transition:.16s}
.next a:hover{background:var(--blue-wash)}
.next small{display:block;font-family:var(--mono);font-size:10px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--slate);margin-bottom:5px}
.next b{font-family:var(--display);font-size:16.5px;color:var(--ink);font-weight:700}
.cta-band{background:linear-gradient(150deg,#0E2F3A,#14495C 60%,#186253);color:#fff;
  border-radius:var(--r);padding:36px 34px;display:flex;align-items:center;
  justify-content:space-between;gap:26px;flex-wrap:wrap}
.cta-band h3{color:#fff;font-size:23px} .cta-band p{color:rgba(255,255,255,.7);margin-top:7px}
.prog-card a.more{margin-top:16px;font-size:13.5px;font-weight:600;color:var(--green-deep)}
.prog-card a.more:hover{text-decoration:underline}
@media (max-width:820px){ .next{grid-template-columns:1fr} }


/* ---- edge section: no-points + pre-approval ladder ---- */
.edge{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch}
.edge-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  padding:28px 26px;display:flex;flex-direction:column}
.edge-card h3{font-size:21px;margin-bottom:10px}
.edge-card p{font-size:15px;color:var(--ink-soft)}
.edge-card p + p{margin-top:12px}
.zero{font-family:var(--display);font-size:64px;font-weight:800;line-height:.85;
  color:var(--green-deep);letter-spacing:-.05em;margin-bottom:14px}
.zero span{font-size:20px;font-weight:700;color:var(--slate);letter-spacing:0;margin-left:4px}
.edge-foot{margin-top:auto;padding-top:18px;border-top:1px solid var(--line-soft);
  font-size:13px;color:var(--slate);line-height:1.55}

.nopoints{background:var(--green-wash);border:1px solid #BFE3D6;border-radius:var(--r);
  padding:18px 22px;margin-top:26px;font-size:14px;color:var(--ink-soft);line-height:1.55}
.nopoints strong{display:block;margin-bottom:3px;font-size:14.5px;color:var(--ink)}
.nopoints strong{color:var(--ink);display:block;margin-bottom:2px;font-size:14.5px}

@media (max-width:900px){ .edge{grid-template-columns:1fr} }
@media (max-width:520px){ .zero{font-size:52px} }