/* ═══════════════════════════════════════════════════════════════════
   EQUITYDECIDE — Newspaper × Government Redesign
   Fonts (Fontshare): Boska · Gambetta · General Sans · JetBrains Mono
   Palette: Aged newsprint · Near-black ink · Navy + Crimson accents
   ═══════════════════════════════════════════════════════════════════ */

:root {
  --paper:       #F9F5EE;
  --paper-white: #FDFCF9;
  --ink:         #111111;
  --ink-mid:     #444444;
  --ink-light:   #777777;
  --ink-faint:   #C8C4BC;
  --accent:      #1D3557;
  --accent-warm: #7B2121;
  --rule-h: 2px solid #111111;
  --rule-l: 1px solid #C8C4BC;
  --rule-d: 1px dotted #C8C4BC;
  --font-display: 'Boska', 'Times New Roman', serif;
  --font-serif:   'Gambetta', Georgia, serif;
  --font-sans:    'General Sans', system-ui, sans-serif;
  --font-mono:    'JetBrains Mono', 'Courier New', monospace;
  --max-w: 1160px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
p { color: var(--ink-mid); }
strong { color: var(--ink); font-weight: 600; }
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
.hidden { display: none !important; }

/* ───────────────────────── MASTHEAD ───────────────────────────────── */
.masthead {
  background: var(--paper);
  border-top: 4px solid var(--ink);
}
.mast-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
}
.mast-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-sans);
  font-size: 0.67rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-light);
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--ink);
}
.mast-name {
  display: block;
  text-align: center;
  font-family: var(--font-display);
  font-size: clamp(3rem, 8.5vw, 6.75rem);
  font-weight: 700;
  letter-spacing: -0.04em;
  line-height: 0.95;
  color: var(--ink);
  padding: 0.5rem 0 0.4rem;
  text-transform: uppercase;
  text-decoration: none;
}
.rate-bar {
  display: flex;
  justify-content: center;
  padding: 0.45rem 0;
  font-family: var(--font-mono);
  font-size: 0.69rem;
  color: var(--ink-mid);
  border-bottom: 2px solid var(--ink);
  gap: 0;
  overflow-x: auto;
}
.rate-item {
  display: flex;
  align-items: baseline;
  gap: 0.35rem;
  padding: 0 1.1rem;
  border-right: 1px solid var(--ink-faint);
  white-space: nowrap;
}
.rate-item:last-child { border-right: none; }
.rl { color: var(--ink-light); font-size: 0.63rem; letter-spacing: 0.07em; text-transform: uppercase; }
.mast-nav {
  display: flex;
  justify-content: center;
  padding: 0.55rem 0;
  gap: 0;
}
.mast-nav a {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ink);
  text-decoration: none;
  padding: 0 1.1rem;
  border-right: 1px solid var(--ink-faint);
  line-height: 1;
}
.mast-nav a:first-child { padding-left: 0; }
.mast-nav a:last-child { border-right: none; }
.mast-nav a:hover { text-decoration: underline; }

/* ───────────────────────── HERO ───────────────────────────────────── */
.hero {
  border-bottom: 2px solid var(--ink);
  padding: 5rem 0 4.5rem;
}
.hero-inner-single {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
}
.hero-hed {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6.5vw, 6rem);
  font-weight: 700;
  line-height: 1.0;
  letter-spacing: -0.035em;
  color: var(--ink);
  margin-bottom: 1.75rem;
}
.hero-hed em { font-style: italic; font-weight: 400; }
.hero-byline {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ink-light);
  border-top: var(--rule-l);
  padding-top: 0.75rem;
  display: inline-block;
}

/* ───────────────────────── EXPLAINER ──────────────────────────────── */
.explainer {
  border-bottom: 2px solid var(--ink);
  padding: 4rem 0 3.5rem;
  background: var(--paper-white);
}
.explainer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 3.5rem;
  align-items: start;
  margin-bottom: 3rem;
}
.exp-head {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 0.85rem;
  padding-bottom: 0.65rem;
  border-bottom: 2px solid var(--ink);
}
.exp-body {
  font-family: var(--font-sans);
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--ink-mid);
  margin-bottom: 0.9rem;
}
.exp-when {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  line-height: 1.65;
  color: var(--ink-mid);
  background: var(--paper);
  padding: 0.75rem 1rem;
  border-left: 3px solid var(--ink);
}
.exp-divider {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--ink-faint);
  letter-spacing: -0.02em;
  padding-top: 0.5rem;
  align-self: start;
  position: relative;
  top: 0.25rem;
}
.exp-bottom {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  gap: 3rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--ink-faint);
}
.exp-verdict {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--ink-mid);
  flex: 1;
}
.exp-verdict strong { color: var(--ink); }
.exp-cta {
  flex-shrink: 0;
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--paper-white);
  background: var(--ink);
  border: 2px solid var(--ink);
  padding: 0.75rem 1.5rem;
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
  white-space: nowrap;
}
.exp-cta:hover { background: var(--paper-white); color: var(--ink); }

@media (max-width: 760px) {
  .explainer-inner { grid-template-columns: 1fr; gap: 2rem; }
  .exp-divider { display: none; }
  .exp-bottom { flex-direction: column; gap: 1.25rem; align-items: flex-start; }
}

/* ───────────────────────── CALCULATOR ─────────────────────────────── */
.calc-section { padding: 3.5rem 0; }
.calc-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: 350px 1fr;
  gap: 2.5rem;
  align-items: start;
}
.inputs-panel { position: sticky; top: 1rem; }

.panel-head {
  border-top: var(--rule-h);
  border-bottom: 1px solid var(--ink);
  padding: 0.65rem 0;
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.ph-title {
  font-family: var(--font-sans);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink);
}
.ph-issue {
  font-family: var(--font-mono);
  font-size: 0.62rem;
  color: var(--ink-light);
}

.input-group {
  margin-bottom: 1.4rem;
  padding-bottom: 1.4rem;
  border-bottom: var(--rule-d);
}
.input-group:last-of-type { border-bottom: none; margin-bottom: 0; }
.ig-head {
  font-family: var(--font-sans);
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin-bottom: 0.8rem;
}

.field { display: flex; flex-direction: column; gap: 0.28rem; margin-bottom: 0.7rem; }
.field:last-child { margin-bottom: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.65rem; }
.field label { font-family: var(--font-sans); font-size: 0.72rem; font-weight: 500; color: var(--ink-mid); }
.field-hint { font-family: var(--font-sans); font-size: 0.65rem; color: var(--ink-light); font-style: italic; }

.iw { display: flex; align-items: stretch; border: 1px solid var(--ink); }
.iw input, .iw select { border: none !important; box-shadow: none !important; flex: 1; min-width: 0; }
.iw input:focus { outline: none; box-shadow: none !important; }
.iw:focus-within { box-shadow: 0 0 0 2px var(--ink); }
.ipfx {
  display: flex; align-items: center; justify-content: center;
  padding: 0 0.55rem 0 0.65rem;
  font-family: var(--font-mono); font-size: 0.82rem; color: var(--ink-light);
  background: var(--paper-white); user-select: none; pointer-events: none;
  border-right: 1px solid var(--ink-faint); flex-shrink: 0; white-space: nowrap;
}
.isfx {
  display: flex; align-items: center;
  padding: 0 0.65rem 0 0.4rem;
  font-family: var(--font-mono); font-size: 0.82rem; color: var(--ink-light);
  background: var(--paper-white); user-select: none; pointer-events: none;
  border-left: 1px solid var(--ink-faint); flex-shrink: 0;
}

input[type="text"], input[type="number"], select {
  width: 100%;
  padding: 0.52rem 0.7rem;
  border: 1px solid var(--ink);
  border-radius: 0;
  font-family: var(--font-mono);
  font-size: 0.875rem;
  color: var(--ink);
  background: var(--paper-white);
  appearance: none;
  transition: box-shadow 0.12s;
}
input:focus, select:focus { outline: none; } input:not(.iw input):focus, select:not(.iw select):focus { box-shadow: 0 0 0 2px var(--ink); }
select {
  cursor: pointer; font-family: var(--font-sans); font-size: 0.8rem; padding-right: 1.6rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23111' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 0.5rem center;
}
input[type="range"] {
  -webkit-appearance: none; width: 100%; height: 2px;
  background: var(--ink); outline: none; border: none; box-shadow: none; padding: 0; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 13px; height: 13px;
  border: 2px solid var(--ink); background: var(--paper-white); cursor: pointer; border-radius: 0;
}
.slider-vals { display: flex; justify-content: space-between; font-family: var(--font-mono); font-size: 0.62rem; color: var(--ink-light); margin-top: 0.2rem; }
.chk-label { display: flex; align-items: center; gap: 0.5rem; cursor: pointer; font-family: var(--font-sans); font-size: 0.8rem; color: var(--ink-mid); }
input[type="checkbox"] { width: auto; accent-color: var(--ink); }

#advanced-toggle {
  background: none; border: none; cursor: pointer;
  font-family: var(--font-sans); font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--ink-light); padding: 0; display: block; width: 100%; text-align: left;
  transition: color 0.12s; margin-bottom: 0.5rem;
}
#advanced-toggle:hover { color: var(--ink); }
#advanced-panel { display: none; }

.rate-src {
  font-family: var(--font-sans); font-size: 0.65rem; color: var(--ink-light);
  font-style: italic; border-top: var(--rule-d); padding-top: 0.5rem; margin-top: 0.5rem;
}

.calc-btn {
  width: 100%; padding: 0.85rem 1.5rem; background: var(--ink); color: var(--paper-white);
  border: 2px solid var(--ink); border-radius: 0; font-family: var(--font-sans);
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  cursor: pointer; margin-top: 1.1rem; transition: background 0.12s, color 0.12s;
}
.calc-btn:hover { background: var(--paper-white); color: var(--ink); }

#error-box {
  background: #FEF2F2; border-left: 3px solid #B91C1C;
  padding: 0.6rem 0.8rem; margin-top: 0.65rem;
  font-size: 0.8rem; color: #B91C1C; display: none; font-family: var(--font-sans);
}

/* ───────────────────────── RESULTS ────────────────────────────────── */
.verdict {
  border-top: 4px solid var(--ink);
  border-bottom: 2px solid var(--ink);
  padding: 1.75rem 0 1.5rem;
  margin-bottom: 2rem;
}
.v-kicker {
  font-family: var(--font-sans); font-size: 0.63rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.3rem;
}
.v-badge {
  display: inline-block; font-family: var(--font-sans); font-size: 0.6rem;
  font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 0.18rem 0.55rem; margin-bottom: 0.65rem;
}
.badge-heloc { background: var(--accent); color: white; }
.badge-refi  { background: var(--accent-warm); color: white; }

.v-hed {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.5vw, 3.5rem);
  font-weight: 700; letter-spacing: -0.03em; line-height: 1.05; color: var(--ink);
  margin-bottom: 0.25rem;
}
.v-hed .win-heloc { color: var(--accent); }
.v-hed .win-refi  { color: var(--accent-warm); }

.v-savings {
  font-family: var(--font-mono); font-size: 2.75rem; font-weight: 600;
  letter-spacing: -0.02em; display: block; color: var(--ink); line-height: 1.05;
}
.v-horizon { font-family: var(--font-sans); font-size: 0.78rem; color: var(--ink-light); text-transform: uppercase; letter-spacing: 0.07em; }
.v-sub {
  font-family: var(--font-serif); font-size: 0.93rem; color: var(--ink-mid);
  max-width: 500px; line-height: 1.6; margin-top: 0.7rem;
}

.product-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1.75rem; }
.product-card { border: 1px solid var(--ink); padding: 1.2rem; background: var(--paper-white); }

.pc-head {
  font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  padding-bottom: 0.6rem; margin-bottom: 0.5rem; border-bottom: 2px solid var(--ink);
}
.heloc-card .pc-head { color: var(--accent); }
.refi-card .pc-head  { color: var(--accent-warm); }

.pc-pmt { font-family: var(--font-mono); font-size: 1.9rem; font-weight: 600; letter-spacing: -0.02em; color: var(--ink); line-height: 1.1; }
.pc-sub { font-family: var(--font-sans); font-size: 0.67rem; color: var(--ink-light); margin: 0.15rem 0 0.9rem; }

.pc-rows { border-top: var(--rule-l); padding-top: 0.7rem; display: flex; flex-direction: column; gap: 0.38rem; }
.pcr { display: flex; justify-content: space-between; align-items: baseline; font-size: 0.76rem; }
.pcr-l { color: var(--ink-light); font-family: var(--font-sans); }
.pcr-v { font-family: var(--font-mono); font-weight: 600; color: var(--ink); }
.pcr-v.blue { color: var(--accent); }
.pcr-v.red  { color: var(--accent-warm); }

.pc-note { font-family: var(--font-sans); font-size: 0.68rem; color: var(--ink-light); font-style: italic; border-top: var(--rule-d); padding-top: 0.45rem; margin-top: 0.45rem; line-height: 1.45; }

.be-bar {
  display: flex; align-items: center; gap: 1.75rem;
  background: var(--ink); color: var(--paper); padding: 1.1rem 1.35rem; margin-bottom: 1.75rem;
}
.be-num { font-family: var(--font-mono); font-size: 2rem; font-weight: 600; color: rgba(255,255,255,0.9); white-space: nowrap; flex-shrink: 0; }
.be-kicker { font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 0.2rem; }
.be-desc { font-family: var(--font-sans); font-size: 0.82rem; color: rgba(255,255,255,0.65); line-height: 1.5; }

.chart-box { border: 1px solid var(--ink); padding: 1.35rem; background: var(--paper-white); margin-bottom: 1.35rem; }
.chart-hed { font-family: var(--font-sans); font-size: 0.62rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.9rem; padding-bottom: 0.6rem; border-bottom: var(--rule-l); }
.chart-wrap { position: relative; height: 250px; }

.horizon-box { border: 1px solid var(--ink); padding: 1.35rem; background: var(--paper-white); margin-bottom: 1.35rem; overflow: hidden; }
.horizon-box h3 { font-family: var(--font-sans); font-size: 0.62rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.4rem; padding-bottom: 0.6rem; border-bottom: 2px solid var(--ink); }
.horizon-note { font-family: var(--font-sans); font-size: 0.68rem; color: var(--ink-light); font-style: italic; margin-bottom: 0.9rem; }

.htable { width: 100%; border-collapse: collapse; font-size: 0.77rem; }
.htable th { font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--ink-light); padding: 0.45rem 0.55rem; text-align: left; border-bottom: 1px solid var(--ink); background: var(--paper); }
.htable th.hc-h { color: var(--accent); }
.htable th.hc-r { color: var(--accent-warm); }
.htable td { font-family: var(--font-mono); padding: 0.5rem 0.55rem; border-bottom: var(--rule-l); color: var(--ink-mid); }
.htable td:first-child { font-family: var(--font-sans); font-weight: 600; color: var(--ink); }
.htable tr:last-child td { border-bottom: none; }
.winner-cell { font-weight: 700; color: var(--ink); }
.heloc-wins { color: var(--accent); font-family: var(--font-sans); font-size: 0.72rem; }
.diff-cell { font-family: var(--font-sans); font-size: 0.75rem; }
.refi-wins  { color: var(--accent-warm); font-family: var(--font-sans); font-size: 0.72rem; }

/* ───────────────────────── GET QUOTES ─────────────────────────────── */
.quotes-section { background: var(--ink); padding: 4rem 0; }
.q-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
.q-top { display: flex; justify-content: space-between; align-items: baseline; border-bottom: 2px solid rgba(255,255,255,0.2); padding-bottom: 0.75rem; margin-bottom: 2rem; }
.q-hed { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3.25rem); font-weight: 700; color: var(--paper); letter-spacing: -0.025em; line-height: 1; }
.q-sub { font-family: var(--font-serif); font-size: 0.9rem; color: rgba(255,255,255,0.5); font-style: italic; max-width: 300px; text-align: right; }
.q-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.12); }
.q-card { display: block; text-decoration: none; background: var(--ink); padding: 1.35rem; transition: background 0.12s; }
.q-card:hover { background: #1e1e1e; }
.qc-lbl { font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 0.28rem; }
.qc-name { font-family: var(--font-display); font-size: 1.45rem; font-weight: 700; color: var(--paper); letter-spacing: -0.02em; margin-bottom: 0.35rem; }
.qc-desc { font-family: var(--font-sans); font-size: 0.78rem; color: rgba(255,255,255,0.5); line-height: 1.5; margin-bottom: 0.9rem; }
.qc-cta { font-family: var(--font-sans); font-size: 0.68rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.q-disc { margin-top: 1.25rem; font-family: var(--font-sans); font-size: 0.65rem; color: rgba(255,255,255,0.28); text-align: center; }

/* ───────────────────────── EDUCATION ──────────────────────────────── */
.edu-section { padding: 4.5rem 0; border-top: 2px solid var(--ink); }
.edu-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; display: grid; grid-template-columns: 220px 1fr; gap: 3rem; align-items: start; }
.edu-sidebar { position: sticky; top: 1rem; }
.edu-sb-hed { font-family: var(--font-display); font-size: 1.85rem; font-weight: 700; color: var(--ink); letter-spacing: -0.02em; line-height: 1; padding-bottom: 0.85rem; border-bottom: var(--rule-h); margin-bottom: 0.85rem; }
.edu-toc { list-style: none; }
.edu-toc li { border-bottom: var(--rule-l); }
.edu-toc a { display: block; font-family: var(--font-sans); font-size: 0.76rem; color: var(--ink-mid); text-decoration: none; padding: 0.4rem 0; }
.edu-toc a:hover { color: var(--ink); text-decoration: underline; }

.edu-kicker { font-family: var(--font-sans); font-size: 0.62rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.28rem; }
.edu-hed { font-family: var(--font-display); font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 700; letter-spacing: -0.025em; line-height: 1.1; color: var(--ink); margin-bottom: 0.4rem; }
.edu-dek { font-family: var(--font-serif); font-size: 1.08rem; color: var(--ink-mid); line-height: 1.65; margin-bottom: 1.35rem; padding-bottom: 1.35rem; border-bottom: var(--rule-l); }
.edu-body h3 { font-family: var(--font-serif); font-size: 1.15rem; font-weight: 700; color: var(--ink); margin: 1.75rem 0 0.45rem; padding-top: 1.35rem; border-top: var(--rule-l); }
.edu-body p { font-family: var(--font-sans); font-size: 0.88rem; line-height: 1.75; color: var(--ink-mid); margin-bottom: 0.8rem; }
.edu-body ul, .edu-body ol { padding-left: 1.2rem; margin-bottom: 0.8rem; }
.edu-body li { font-family: var(--font-sans); font-size: 0.88rem; line-height: 1.75; color: var(--ink-mid); margin-bottom: 0.28rem; }
.pullquote { border-left: 4px solid var(--ink); padding: 0.9rem 1.1rem; margin: 1.5rem 0; background: var(--paper-white); }
.pullquote p { font-family: var(--font-serif); font-size: 0.98rem; font-style: italic; color: var(--ink) !important; margin: 0; line-height: 1.6; }
.edu-table { width: 100%; border-collapse: collapse; font-size: 0.8rem; margin: 1.1rem 0; overflow-x: auto; display: block; }
.edu-table th { font-family: var(--font-sans); font-weight: 700; font-size: 0.68rem; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.48rem 0.7rem; text-align: left; border-bottom: 2px solid var(--ink); background: var(--paper); color: var(--ink); white-space: nowrap; }
.edu-table td { font-family: var(--font-sans); padding: 0.5rem 0.7rem; border-bottom: var(--rule-l); color: var(--ink-mid); }

/* ───────────────────────── FAQ ─────────────────────────────────────── */
.faq-section { background: var(--paper-white); border-top: 2px solid var(--ink); padding: 4.5rem 0; }
.faq-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; display: grid; grid-template-columns: 220px 1fr; gap: 3rem; }
.faq-sb-hed { font-family: var(--font-display); font-size: 1.85rem; font-weight: 700; color: var(--ink); letter-spacing: -0.02em; padding-bottom: 0.85rem; border-bottom: var(--rule-h); }
.faq-sb-note { font-family: var(--font-serif); font-size: 0.8rem; font-style: italic; color: var(--ink-light); margin-top: 0.65rem; line-height: 1.55; }
.faq-item { border-bottom: var(--rule-l); }
.faq-q { width: 100%; background: none; border: none; text-align: left; padding: 1rem 0; font-family: var(--font-serif); font-size: 1rem; color: var(--ink); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; transition: color 0.12s; }
.faq-q:hover { color: var(--accent); }
.faq-chev { font-size: 0.68rem; color: var(--ink-light); transition: transform 0.2s; flex-shrink: 0; }
.faq-item.open .faq-chev { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; }
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 1rem; }
.faq-a p { font-family: var(--font-sans); font-size: 0.87rem; color: var(--ink-mid); line-height: 1.75; }

/* ───────────────────────── FOOTER ──────────────────────────────────── */
.site-footer { background: var(--paper); border-top: 4px solid var(--ink); padding: 2.5rem 0 1.5rem; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
.footer-mast { text-align: center; font-family: var(--font-display); font-size: clamp(1.5rem, 3vw, 2.5rem); font-weight: 700; letter-spacing: -0.025em; color: var(--ink); text-transform: uppercase; padding-bottom: 1.1rem; border-bottom: 2px solid var(--ink); margin-bottom: 1.5rem; }
.footer-cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 2rem; margin-bottom: 1.75rem; }
.footer-about { font-family: var(--font-sans); font-size: 0.78rem; color: var(--ink-mid); line-height: 1.65; }
.footer-col-hed { font-family: var(--font-sans); font-size: 0.62rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.65rem; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.38rem; }
.footer-col a { font-family: var(--font-sans); font-size: 0.78rem; color: var(--ink-mid); text-decoration: none; }
.footer-col a:hover { text-decoration: underline; color: var(--ink); }
.footer-btm { border-top: var(--rule-l); padding-top: 1.1rem; display: flex; justify-content: space-between; align-items: flex-start; gap: 1rem; }
.footer-disc { font-family: var(--font-sans); font-size: 0.68rem; color: var(--ink-light); line-height: 1.6; max-width: 640px; }
.footer-copy { font-family: var(--font-mono); font-size: 0.67rem; color: var(--ink-faint); white-space: nowrap; }

/* ───────────────────────── RESPONSIVE ──────────────────────────────── */
@media (max-width: 960px) {
  .hero-inner, .calc-inner { grid-template-columns: 1fr; }
  .hero-box { max-width: 420px; }
  .inputs-panel { position: static; }
  .product-cards { grid-template-columns: 1fr; }
  .edu-inner, .faq-inner { grid-template-columns: 1fr; }
  .edu-sidebar { display: none; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .footer-cols .footer-about { grid-column: 1 / -1; }
}
@media (max-width: 600px) {
  .mast-name { letter-spacing: -0.045em; }
  .rate-bar { justify-content: flex-start; overflow-x: auto; }
  .rate-item { flex-shrink: 0; padding: 0 0.7rem; }
  .hero-hed { font-size: 2.25rem; }
  .v-hed { font-size: 1.85rem; }
  .v-savings { font-size: 2rem; }
  .be-bar { flex-direction: column; gap: 0.45rem; }
  .q-top { flex-direction: column; gap: 0.4rem; }
  .q-sub { text-align: left; max-width: none; }
  .footer-cols { grid-template-columns: 1fr; }
  .footer-btm { flex-direction: column; }
  .htable { font-size: 0.7rem; }
  .htable th, .htable td { padding: 0.4rem; }
}

/* ─────────────────── EDUCATIONAL ACCORDION ─────────────────────────── */
.edu-section { padding: 4.5rem 0; border-top: 2px solid var(--ink); }
.edu-wrap { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }

.edu-masthead {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: end;
  gap: 2rem;
  padding-bottom: 1.25rem;
  border-bottom: var(--rule-h);
  margin-bottom: 2rem;
}
.edu-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--ink);
  line-height: 1;
}
.edu-expand-all {
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-light);
  background: none;
  border: 1px solid var(--ink-faint);
  padding: 0.45rem 0.85rem;
  cursor: pointer;
  transition: all 0.12s;
  white-space: nowrap;
}
.edu-expand-all:hover { color: var(--ink); border-color: var(--ink); }

/* Topic item */
.edu-topic {
  border-bottom: 1px solid var(--ink-faint);
}
.edu-topic-btn {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 1.25rem 0;
  cursor: pointer;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1rem;
  transition: opacity 0.12s;
}
.edu-topic-btn:hover .edu-topic-title { text-decoration: underline; }
.edu-topic-num {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  color: var(--ink-faint);
  width: 1.5rem;
  flex-shrink: 0;
}
.edu-topic-text { display: flex; flex-direction: column; gap: 0.2rem; }
.edu-topic-title {
  font-family: var(--font-serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.3;
}
.edu-topic-teaser {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  color: var(--ink-light);
  line-height: 1.4;
}
.edu-topic-chevron {
  font-size: 0.65rem;
  color: var(--ink-faint);
  transition: transform 0.25s;
  flex-shrink: 0;
}
.edu-topic.open .edu-topic-chevron { transform: rotate(180deg); }

/* Expanded body */
.edu-topic-body {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s ease;
}
.edu-topic.open .edu-topic-body { grid-template-rows: 1fr; }
.edu-topic-inner {
  overflow: hidden;
}
.edu-content {
  padding: 0 0 1.75rem 2.5rem;
  border-left: 2px solid var(--ink-faint);
  margin-left: 0;
}
.edu-content h4 {
  font-family: var(--font-serif);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--ink);
  margin: 1.1rem 0 0.4rem;
}
.edu-content h4:first-child { margin-top: 0; }
.edu-content p {
  font-family: var(--font-sans);
  font-size: 0.87rem;
  line-height: 1.75;
  color: var(--ink-mid);
  margin-bottom: 0.65rem;
}
.edu-content p:last-child { margin-bottom: 0; }
.edu-content ul, .edu-content ol {
  padding-left: 1.1rem;
  margin-bottom: 0.65rem;
}
.edu-content li {
  font-family: var(--font-sans);
  font-size: 0.87rem;
  line-height: 1.7;
  color: var(--ink-mid);
  margin-bottom: 0.2rem;
}
.edu-callout {
  border-left: 3px solid var(--ink);
  padding: 0.75rem 1rem;
  background: var(--paper-white);
  margin: 0.75rem 0;
}
.edu-callout p { font-style: italic; color: var(--ink-mid); font-size: 0.87rem; margin: 0; }
.edu-callout strong { color: var(--ink); font-style: normal; }
.edu-warning {
  border-left: 3px solid var(--accent-warm);
  padding: 0.75rem 1rem;
  background: #FEF2F2;
  margin: 0.75rem 0;
}
.edu-warning p { color: var(--accent-warm); font-size: 0.85rem; margin: 0; }
.edu-content table { width: 100%; border-collapse: collapse; margin: 0.75rem 0; font-size: 0.82rem; }
.edu-content th { font-family: var(--font-sans); font-weight: 700; font-size: 0.68rem; letter-spacing: 0.06em; text-transform: uppercase; padding: 0.45rem 0.65rem; text-align: left; border-bottom: 2px solid var(--ink); background: var(--paper); color: var(--ink); }
.edu-content td { font-family: var(--font-sans); padding: 0.45rem 0.65rem; border-bottom: var(--rule-l); color: var(--ink-mid); }
.edu-content a { color: var(--accent); text-underline-offset: 2px; }
.edu-content a:hover { color: var(--ink); }

/* Credit tiers table */
.score-tier { display: inline-block; width: 0.65rem; height: 0.65rem; border-radius: 50%; margin-right: 0.4rem; }
.tier-best { background: var(--accent); }
.tier-good { background: #3B7DC8; }
.tier-ok { background: #888; }
.tier-poor { background: var(--accent-warm); }

@media (max-width: 600px) {
  .edu-masthead { grid-template-columns: 1fr; }
  .edu-expand-all { display: none; }
  .edu-content { padding-left: 0.75rem; }
}

/* ─────────────────── LENDER SECTION REDESIGN ────────────────────────── */
.lender-section { background: var(--ink); padding: 4rem 0; }
.lender-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 2rem; }
.lender-top { padding-bottom: 1.1rem; border-bottom: 2px solid rgba(255,255,255,0.2); margin-bottom: 2rem; }
.lender-hed { font-family: var(--font-display); font-size: clamp(1.85rem, 3.5vw, 3rem); font-weight: 700; color: var(--paper); letter-spacing: -0.025em; line-height: 1; margin-bottom: 0.5rem; }
.lender-sub { font-family: var(--font-serif); font-size: 0.92rem; color: rgba(255,255,255,0.5); font-style: italic; }

.lender-tier { margin-bottom: 1.75rem; }
.lender-tier-label {
  font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700;
  letter-spacing: 0.15em; text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 0.75rem;
  display: flex; align-items: center; gap: 0.75rem;
}
.lender-tier-label::after { content: ''; flex: 1; height: 1px; background: rgba(255,255,255,0.1); }
.lender-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.1); }
.lender-grid-2 { grid-template-columns: repeat(2, 1fr); }
.lender-card { display: block; text-decoration: none; background: var(--ink); padding: 1.1rem 1.25rem; transition: background 0.12s; }
.lender-card:hover { background: #1e1e1e; }
.lc-tag { font-family: var(--font-sans); font-size: 0.58rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 0.2rem; }
.lc-name { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--paper); letter-spacing: -0.02em; margin-bottom: 0.25rem; }
.lc-why { font-family: var(--font-sans); font-size: 0.76rem; color: rgba(255,255,255,0.55); line-height: 1.4; margin-bottom: 0.65rem; }
.lc-cta { font-family: var(--font-sans); font-size: 0.65rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.5); }

.free-resources { margin-top: 1.75rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,0.1); }
.fr-label { font-family: var(--font-sans); font-size: 0.6rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 0.85rem; }
.fr-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.08); }
.fr-card { display: block; text-decoration: none; background: rgba(255,255,255,0.03); padding: 0.85rem 1.1rem; transition: background 0.12s; }
.fr-card:hover { background: rgba(255,255,255,0.07); }
.fr-name { font-family: var(--font-sans); font-size: 0.82rem; font-weight: 700; color: rgba(255,255,255,0.7); margin-bottom: 0.2rem; }
.fr-desc { font-family: var(--font-sans); font-size: 0.73rem; color: rgba(255,255,255,0.4); line-height: 1.4; }

.lender-disc { margin-top: 1.25rem; font-family: var(--font-sans); font-size: 0.65rem; color: rgba(255,255,255,0.28); text-align: center; }

@media (max-width: 600px) {
  .lender-grid { grid-template-columns: 1fr; }
  .lender-grid-2 { grid-template-columns: 1fr; }
  .fr-grid { grid-template-columns: 1fr; }
}

/* ─── Explainer: tagline header ─────────────────────────────────────── */
.exp-tagline {
  max-width: var(--max-w); margin: 0 auto;
  padding: 0 2rem 2rem;
  margin-bottom: 0;
}
.exp-tag-hed {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700; letter-spacing: -0.03em; line-height: 1.1;
  color: var(--ink); margin-bottom: 0.35rem;
}
.exp-tag-sub {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 2.5vw, 1.85rem);
  font-weight: 400; letter-spacing: -0.02em; line-height: 1.1;
  color: var(--ink-mid);
}

/* ─── Results placeholder ───────────────────────────────────────────── */
.results-placeholder {
  display: flex; align-items: center; justify-content: center;
  min-height: 340px; border: 1px dashed var(--ink-faint);
  background: var(--paper-white);
}
.rp-inner { text-align: center; padding: 2.5rem; max-width: 280px; }
.rp-icon {
  font-family: var(--font-mono); font-size: 1.75rem;
  color: var(--ink-faint); margin-bottom: 0.75rem; display: block;
}
.rp-head {
  font-family: var(--font-serif); font-size: 1.05rem; font-weight: 700;
  color: var(--ink-mid); margin-bottom: 0.5rem;
}
.rp-body {
  font-family: var(--font-sans); font-size: 0.82rem;
  color: var(--ink-light); line-height: 1.65;
}

/* ─── Field-level validation errors ─────────────────────────────────── */
.field-error {
  font-family: var(--font-sans);
  font-size: 0.68rem;
  color: #B91C1C;
  line-height: 1.4;
  margin-top: 0.1rem;
}
.input-error {
  box-shadow: 0 0 0 2px #B91C1C !important;
}
/* For .iw wrappers containing the errored input */
.iw.input-error {
  box-shadow: 0 0 0 2px #B91C1C !important;
}