:root {
  --mortgage-bg: #f4f8ff;
  --mortgage-panel: rgba(255, 255, 255, 0.96);
  --mortgage-panel-soft: rgba(255, 255, 255, 0.82);
  --mortgage-ink: #162033;
  --mortgage-muted: #64748b;
  --mortgage-line: rgba(22, 32, 51, 0.12);
  --mortgage-brand: #0f6abf;
  --mortgage-brand-2: #0ea5a8;
  --mortgage-brand-deep: #0a3565;
  --mortgage-accent: #ff8c42;
  --mortgage-success: #1d9a6c;
  --mortgage-warning: #c2410c;
  --mortgage-shadow: 0 24px 54px rgba(16, 33, 58, 0.08);
  --mortgage-radius: 20px;
}

/* Tool-specific visual layer only; shared platform shell stays in core.css. */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background:
    radial-gradient(circle at 0% 0%, rgba(14, 165, 168, 0.18), transparent 38%),
    radial-gradient(circle at 100% 10%, rgba(15, 106, 191, 0.18), transparent 42%),
    linear-gradient(180deg, #eef5ff 0%, #f6f9ff 38%, #f7f7fb 100%);
}

.mortgage-shell,
.mortgage-shell input,
.mortgage-shell select,
.mortgage-shell textarea,
.mortgage-shell button {
  font: inherit;
}

.mortgage-shell {
  color: var(--mortgage-ink);
}

.mortgage-shell a {
  color: inherit;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 100;
}

.mortgage-shell {
  width: min(1280px, 94vw);
  margin: 24px auto 48px;
}

.hero-mortgage {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
  gap: 22px;
  margin-top: 16px;
  padding: 28px;
  border-radius: 28px;
  color: #fff;
  background: linear-gradient(135deg, var(--mortgage-brand-deep), var(--mortgage-brand) 58%, var(--mortgage-brand-2));
  box-shadow: var(--mortgage-shadow);
}

.hero-mortgage > [data-simplekit-header] {
  grid-column: 1 / -1;
}

.hero-mortgage .site-topbar {
  margin-bottom: 0;
}

.hero-copy,
.hero-side {
  min-width: 0;
}

.hero-copy {
  display: grid;
  gap: 12px;
}

.eyebrow,
.section-kicker,
.step-kicker,
.mini-kicker,
.metric-label,
.chart-label,
.trust-label {
  display: inline-flex;
  width: fit-content;
  margin: 0;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.eyebrow,
.mini-kicker {
  opacity: 0.86;
}

.section-kicker,
.step-kicker,
.metric-label,
.chart-label,
.trust-label {
  color: var(--mortgage-brand);
}

.hero-mortgage h1 {
  margin: 0;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
  font-size: clamp(2.3rem, 4vw, 4.4rem);
  line-height: 1.02;
  max-width: 12ch;
}

.hero-subtitle,
.hero-proof,
.muted,
.small-copy {
  margin: 0;
}

.hero-subtitle {
  font-size: 1.1rem;
  font-weight: 700;
  max-width: 58ch;
}

.hero-proof {
  max-width: 64ch;
  opacity: 0.94;
  line-height: 1.6;
}

.hero-actions,
.toolbar-actions,
.form-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hero-trust-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.hero-trust-row span,
.hero-mini-grid div,
.hero-highlight {
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(7px);
}

.hero-trust-row span {
  padding: 7px 10px;
  font-size: 0.88rem;
}

.hero-side {
  display: grid;
  gap: 12px;
}

.hero-highlight {
  display: grid;
  gap: 8px;
  padding: 18px;
}

.hero-highlight strong {
  font-size: clamp(2rem, 6vw, 3rem);
  line-height: 1;
}

.hero-highlight p {
  margin: 0;
}

.hero-mini-grid {
  display: grid;
  gap: 10px;
}

.hero-mini-grid div {
  padding: 14px;
}

.hero-mini-grid strong {
  display: block;
  margin-top: 6px;
}

.mini-summary-label {
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.82rem;
}

.trust-strip,
.panel,
.results-shell,
.status-card,
.chart-card,
.insight-card {
  border: 1px solid var(--mortgage-line);
  border-radius: var(--mortgage-radius);
  background: var(--mortgage-panel);
  box-shadow: 0 10px 30px rgba(16, 33, 58, 0.04);
}

.trust-strip {
  margin-top: 14px;
  padding: 18px;
}

.strip-head,
.panel-header,
.results-block-head,
.chart-head,
.subsection-head,
.table-toolbar {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
}

.panel-side-actions {
  display: grid;
  gap: 10px;
  justify-items: end;
}

.strip-head h2,
.strip-head p,
.panel-header h2,
.panel-header p,
.results-block-head h3,
.results-block-head p,
.chart-head h3,
.chart-head p,
.subsection-head h3,
.subsection-head p,
.table-toolbar h3,
.table-toolbar p {
  margin: 0;
}

.trust-grid,
.learn-grid,
.charts-grid {
  display: grid;
  gap: 14px;
}

.trust-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 16px;
}

.trust-grid article {
  padding: 16px;
  border-radius: 18px;
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.06), rgba(255, 255, 255, 0.72));
}

.trust-grid strong {
  display: block;
  margin-top: 8px;
  margin-bottom: 6px;
}

.page-flow {
  display: grid;
  gap: 18px;
  margin-top: 18px;
}

.panel {
  padding: 22px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(320px, 0.95fr) minmax(0, 1.05fr);
  align-items: start;
  gap: 18px;
  margin-top: 18px;
}

.calculator-card {
  display: grid;
  align-content: start;
  gap: 16px;
  padding: 18px;
  border-radius: 22px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(245, 249, 255, 0.94));
  border: 1px solid var(--mortgage-line);
}

.option-stack {
  display: grid;
  gap: 12px;
  margin-top: 14px;
}

.mini-option-card {
  display: grid;
  gap: 12px;
  padding: 16px;
  border-radius: 18px;
  background: rgba(247, 250, 255, 0.95);
  border: 1px solid rgba(22, 32, 51, 0.08);
}

.headline-shell {
  padding: 18px;
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.1), rgba(255, 255, 255, 0.98));
}

.headline-band {
  margin-bottom: 0;
}

.headline-summary {
  display: grid;
  gap: 14px;
}

.headline-summary .results-block-head {
  align-items: start;
}

.headline-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.headline-card {
  min-width: 0;
  padding: 16px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(22, 32, 51, 0.08);
}

.headline-card strong {
  display: block;
  margin-top: 8px;
  max-width: 100%;
  font-size: clamp(1.35rem, 2.4vw, 2.1rem);
  line-height: 1.08;
  overflow-wrap: anywhere;
  word-break: break-word;
}

.headline-card p {
  margin: 8px 0 0;
  color: var(--mortgage-muted);
  overflow-wrap: anywhere;
}

.results-disclosure {
  align-self: start;
  padding: 18px;
}

.results-disclosure summary,
.detail-disclosure summary {
  cursor: pointer;
  font-weight: 700;
}

.actions-shell {
  padding: 18px;
}

.form-toolbar {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 14px;
}

.input-card {
  align-self: start;
  padding: 16px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(22, 32, 51, 0.08);
}

.input-card summary,
.results-disclosure summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  list-style: none;
  cursor: pointer;
  font-weight: 700;
}

.input-card summary::-webkit-details-marker,
.results-disclosure summary::-webkit-details-marker {
  display: none;
}

.input-card summary::after,
.results-disclosure summary::after {
  content: "+";
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 999px;
  border: 1px solid rgba(22, 32, 51, 0.08);
  background: rgba(241, 246, 254, 0.95);
  color: var(--mortgage-brand-deep);
  font-size: 1.1rem;
  line-height: 1;
  transition: transform 180ms ease, background 180ms ease;
}

.input-card[open] summary::after,
.results-disclosure[open] summary::after {
  content: "\2212";
  transform: rotate(180deg);
  background: rgba(15, 106, 191, 0.1);
}

.collapsible-body {
  overflow: hidden;
  height: 0;
  opacity: 0;
  margin-top: 0;
  transition: height 220ms ease, opacity 180ms ease, margin-top 220ms ease;
}

.input-card[open] .collapsible-body,
.results-disclosure[open] .collapsible-body {
  opacity: 1;
  margin-top: 14px;
}

.summary-note,
.muted,
.small-copy {
  color: var(--mortgage-muted);
}

#shareFeedback[data-state="error"] {
  color: var(--mortgage-warning);
}

#shareFeedback[data-state="success"] {
  color: var(--mortgage-success);
}

.input-card + .input-card {
  margin-top: 0;
}

.input-card-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 14px;
}

.segmented-control {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-bottom: 14px;
}

.segmented-control label,
.toggle-chip {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--mortgage-line);
  background: rgba(241, 246, 254, 0.95);
  color: var(--mortgage-ink);
  text-align: center;
  font-weight: 700;
  cursor: pointer;
}

.segmented-control input {
  position: absolute;
  inset: 0;
  opacity: 0;
}

.segmented-control input:checked + span,
.toggle-chip.active {
  background: linear-gradient(135deg, rgba(15, 106, 191, 0.14), rgba(14, 165, 168, 0.14));
  border-radius: 12px;
  padding: 10px;
  color: var(--mortgage-brand-deep);
  box-shadow: inset 0 0 0 1px rgba(15, 106, 191, 0.22);
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: start;
  gap: 14px;
}

.form-field {
  display: grid;
  grid-template-rows: auto minmax(50px, auto) minmax(2.4rem, auto);
  align-content: start;
  gap: 8px;
}

.form-field span:first-child {
  font-weight: 700;
  grid-row: 1;
}

.form-field input,
.form-field select,
.input-prefix,
.input-suffix {
  min-height: 50px;
  border-radius: 16px;
}

.form-field input,
.form-field select {
  width: 100%;
  padding: 0 14px;
  border: 1px solid var(--mortgage-line);
  background: #fff;
  color: inherit;
  grid-row: 2;
}

.form-field select {
  padding-right: 46px;
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--mortgage-ink) 50%),
    linear-gradient(135deg, var(--mortgage-ink) 50%, transparent 50%);
  background-position:
    calc(100% - 24px) calc(50% - 4px),
    calc(100% - 16px) calc(50% - 4px);
  background-size: 8px 8px, 8px 8px;
  background-repeat: no-repeat;
}

.form-field small {
  grid-row: 3;
  display: block;
  color: var(--mortgage-muted);
}

.form-field::after {
  content: "";
  grid-row: 3;
  min-height: 2.4rem;
}

.input-prefix,
.input-suffix {
  display: flex;
  align-items: center;
  border: 1px solid var(--mortgage-line);
  background: #fff;
  overflow: hidden;
  grid-row: 2;
}

.input-prefix span,
.input-suffix span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  min-height: 48px;
  color: var(--mortgage-muted);
  background: rgba(15, 106, 191, 0.05);
}

.input-prefix span {
  border-radius: 16px 0 0 16px;
}

.input-suffix span {
  border-radius: 0 16px 16px 0;
}

.input-prefix input,
.input-suffix input {
  border: 0;
  min-height: 48px;
  flex: 1;
  border-radius: 0;
}

.form-field input:focus-visible,
.form-field select:focus-visible,
.mortgage-shell .btn:focus-visible,
.toggle-chip:focus-visible {
  outline: 3px solid rgba(15, 106, 191, 0.2);
  outline-offset: 2px;
}

.derived-card {
  padding: 16px;
  border-radius: 18px;
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.08), rgba(14, 165, 168, 0.06));
  border: 1px solid rgba(15, 106, 191, 0.1);
}

.derived-card strong {
  display: block;
  margin-top: 10px;
  font-size: 2rem;
}

.derived-card p {
  margin: 8px 0 0;
  color: var(--mortgage-muted);
}

.lump-section {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.lump-grid {
  display: grid;
  gap: 12px;
}

.lump-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(160px, 0.5fr) auto;
  gap: 12px;
  align-items: end;
}

.results-stack {
  display: grid;
  align-content: start;
  gap: 14px;
}

.status-card,
.results-shell,
.insight-card,
.chart-card {
  padding: 18px;
}

.status-card {
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.08), rgba(255, 255, 255, 0.98));
}

.status-card-warning {
  border-color: rgba(194, 65, 12, 0.18);
  background: linear-gradient(180deg, rgba(255, 140, 66, 0.1), rgba(255, 255, 255, 0.98));
}

.status-card strong,
.metric-card strong,
.insight-card strong {
  display: block;
}

.metric-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}

.metric-grid-wide {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.metric-card {
  padding: 16px;
  border-radius: 18px;
  border: 1px solid rgba(22, 32, 51, 0.08);
  background: rgba(250, 252, 255, 0.96);
}

.metric-card strong {
  margin-top: 8px;
  font-size: clamp(1.3rem, 4vw, 2rem);
  line-height: 1.08;
}

.metric-card p {
  margin: 8px 0 0;
  color: var(--mortgage-muted);
}

.insight-metrics {
  display: grid;
  gap: 10px;
  margin-top: 14px;
}

.insight-metrics span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 12px;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.06);
  width: fit-content;
}

.charts-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 16px;
}

.chart-legend,
.breakdown-key {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  color: var(--mortgage-muted);
}

.legend-swatch {
  display: inline-block;
  width: 14px;
  height: 14px;
  margin-right: 6px;
  border-radius: 999px;
  vertical-align: -2px;
}

.legend-swatch-baseline {
  background: var(--mortgage-brand);
}

.legend-swatch-extra,
.breakdown-extra {
  background: var(--mortgage-accent);
}

.breakdown-principal {
  background: var(--mortgage-brand-2);
}

.breakdown-interest {
  background: var(--mortgage-brand);
}

.chart-svg {
  width: 100%;
  height: auto;
  margin-top: 12px;
}

.chart-grid line {
  stroke: rgba(22, 32, 51, 0.1);
  stroke-width: 1;
}

.chart-line {
  fill: none;
  stroke-width: 4;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.chart-line-baseline {
  stroke: var(--mortgage-brand);
}

.chart-line-extra {
  stroke: var(--mortgage-accent);
}

.chart-area {
  fill: rgba(255, 140, 66, 0.12);
}

.chart-foot {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin-top: 12px;
}

.chart-foot div {
  padding: 12px;
  border-radius: 16px;
  background: rgba(244, 248, 255, 0.92);
}

.chart-foot strong {
  display: block;
  margin-top: 6px;
}

.breakdown-group {
  display: grid;
  gap: 16px;
  margin-top: 14px;
}

.breakdown-row {
  display: grid;
  gap: 8px;
}

.breakdown-row__meta,
.breakdown-notes {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.breakdown-track {
  display: flex;
  min-height: 18px;
  border-radius: 999px;
  overflow: hidden;
  background: rgba(22, 32, 51, 0.08);
}

.breakdown-segment {
  display: block;
  min-width: 4px;
}

.breakdown-notes {
  color: var(--mortgage-muted);
  font-size: 0.92rem;
}

.is-selected-row {
  background: rgba(15, 106, 191, 0.06);
}

.table-shell {
  overflow-x: auto;
  margin-top: 14px;
}

.table-shell table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
}

.table-shell th,
.table-shell td {
  padding: 12px 10px;
  border-bottom: 1px solid rgba(22, 32, 51, 0.08);
  text-align: left;
}

.table-shell thead th {
  font-size: 0.82rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--mortgage-muted);
}

.toggle-row-group {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.detail-disclosure {
  margin-top: 18px;
  padding: 16px;
  border-radius: 18px;
  background: rgba(248, 250, 255, 0.95);
  border: 1px solid rgba(22, 32, 51, 0.08);
}

.detail-disclosure summary {
  cursor: pointer;
  font-weight: 700;
}

.learn-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 16px;
}

.learn-card,
.method-card,
.handoff-card {
  padding: 18px;
  border-radius: 18px;
  background: rgba(250, 252, 255, 0.95);
  border: 1px solid rgba(22, 32, 51, 0.08);
}

.learn-card h3,
.method-card strong {
  margin: 0 0 8px;
}

.method-callout {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.method-card span {
  color: var(--mortgage-muted);
}

.handoff-card {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-top: 16px;
}

.assumptions-list {
  display: grid;
  gap: 10px;
  margin: 16px 0 0;
  padding-left: 18px;
}

.assumptions-list li {
  color: var(--mortgage-ink);
  line-height: 1.55;
}

.mortgage-shell .btn {
  min-height: 46px;
  padding: 10px 14px;
  border: 1px solid transparent;
  border-radius: 14px;
  cursor: pointer;
  transition: transform 120ms ease, box-shadow 120ms ease, background 120ms ease;
  text-decoration: none;
}

.mortgage-shell .btn:hover {
  transform: translateY(-1px);
}

.mortgage-shell .btn:active {
  transform: translateY(0);
}

.mortgage-shell .btn-primary {
  background: linear-gradient(135deg, var(--mortgage-brand), var(--mortgage-brand-2));
  color: #fff;
  box-shadow: 0 12px 28px rgba(15, 106, 191, 0.24);
}

.mortgage-shell .btn-secondary {
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.18);
}

.mortgage-shell .btn-secondary-panel,
.mortgage-shell .btn-tertiary {
  background: #fff;
  color: var(--mortgage-ink);
  border-color: var(--mortgage-line);
}

@media (max-width: 1080px) {
  .hero-mortgage,
  .calculator-layout,
  .charts-grid,
  .method-callout {
    grid-template-columns: 1fr;
  }

  .trust-grid,
  .learn-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .headline-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .headline-summary .results-block-head {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .mortgage-shell {
    width: min(1280px, calc(100% - 14px));
    margin-top: 12px;
  }

  .hero-mortgage,
  .panel,
  .calculator-card,
  .status-card,
  .results-shell,
  .chart-card,
  .insight-card {
    padding: 16px;
    border-radius: 18px;
  }

  .trust-grid,
  .learn-grid,
  .calculator-grid,
  .metric-grid,
  .metric-grid-wide,
  .headline-grid,
  .chart-foot,
  .method-callout {
    grid-template-columns: 1fr;
  }

  .strip-head,
  .panel-header,
  .results-block-head,
  .chart-head,
  .subsection-head,
  .table-toolbar,
  .form-toolbar,
  .input-card-head,
  .handoff-card {
    flex-direction: column;
  }

  .segmented-control,
  .lump-row {
    grid-template-columns: 1fr;
  }

  .table-shell table {
    min-width: 640px;
  }
}

@media print {
  .no-print,
  [data-simplekit-header],
  [data-simplekit-related-tools],
  [data-simplekit-support],
  [data-simplekit-footer] {
    display: none !important;
  }

  body {
    background: #fff;
  }

  .mortgage-shell {
    width: 100%;
    margin: 0;
  }

  .panel,
  .results-shell,
  .chart-card,
  .status-card,
  .hero-mortgage {
    box-shadow: none;
    border-color: #dbe2ea;
  }

  .calculator-layout,
  .charts-grid,
  .method-callout,
  .headline-grid,
  .metric-grid,
  .metric-grid-wide,
  .chart-foot {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .headline-card,
  .metric-card,
  .chart-foot div,
  .method-card {
    min-width: 0;
    break-inside: avoid;
    page-break-inside: avoid;
  }

  .headline-card strong,
  .metric-card strong,
  .chart-foot strong,
  .hero-highlight strong,
  .derived-card strong {
    font-size: 1.55rem;
    line-height: 1.12;
    overflow-wrap: anywhere;
    word-break: break-word;
  }

  .headline-card p,
  .metric-card p,
  .chart-foot span,
  .chart-foot strong {
    overflow-wrap: anywhere;
    word-break: break-word;
  }

  .results-block-head,
  .chart-head,
  .panel-header,
  .table-toolbar,
  .input-card-head,
  .handoff-card {
    flex-direction: column;
  }

  .detail-disclosure,
  .results-disclosure,
  .input-card {
    break-inside: avoid;
    page-break-inside: avoid;
  }
}