@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

:root {
  --bg: #f8f9fa;
  --surface: #ffffff;
  --surface-2: #f1f3f5;
  --border: #dee2e6;
  --border-dark: #ced4da;
  --accent: #1a56db;
  --accent-dim: #1e429f;
  --accent-light: #ebf5ff;
  --green: #057a55;
  --green-light: #f0fdf4;
  --green-border: #6ee7b7;
  --text: #111827;
  --text-muted: #6b7280;
  --text-faint: #9ca3af;
  --danger: #e02424;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.08);
  --radius-sm: 6px;
  --radius-md: 8px;
  --radius-lg: 12px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  font-size: 15px;
}

.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  padding: 0 1.5rem;
}

.header-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  height: 60px;
  gap: 2rem;
}

.logo {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  text-decoration: none;
  letter-spacing: -0.3px;
  flex-shrink: 0;
}

.logo span { color: var(--accent); }

.site-nav { display: flex; gap: 0.25rem; align-items: center; flex-wrap: wrap; }

.site-nav a {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.85rem;
  font-weight: 500;
  padding: 0.35rem 0.75rem;
  border-radius: var(--radius-sm);
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}

.site-nav a:hover { background: var(--surface-2); color: var(--text); }
.site-nav a.active { background: var(--accent-light); color: var(--accent); }

.hero {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 3rem 1.5rem 2.5rem;
  text-align: center;
}

.hero-eyebrow {
  display: inline-block;
  background: var(--accent-light);
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 0.3rem 0.75rem;
  border-radius: 20px;
  margin-bottom: 1rem;
}

.hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text);
  margin-bottom: 0.75rem;
  letter-spacing: -0.5px;
}

.hero h1 em { font-style: normal; color: var(--accent); }

.hero-desc {
  font-size: 1rem;
  color: var(--text-muted);
  max-width: 540px;
  margin: 0 auto 1rem;
  line-height: 1.6;
}

.hero-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.trust-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
}

.container { max-width: 1080px; margin: 0 auto; padding: 0 1.5rem; }

.calc-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  max-width: 680px;
  margin: 2rem auto;
  box-shadow: var(--shadow-md);
}

.input-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1rem;
}

@media (max-width: 560px) { .input-grid { grid-template-columns: 1fr; } }

.field-group { display: flex; flex-direction: column; gap: 0.35rem; }

.field-group label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
  letter-spacing: 0.2px;
}

.input-wrap { position: relative; display: flex; align-items: center; }

.input-prefix {
  position: absolute;
  left: 0.75rem;
  font-size: 0.9rem;
  color: var(--text-muted);
  font-weight: 500;
  pointer-events: none;
  z-index: 1;
}

.input-suffix {
  position: absolute;
  right: 0.75rem;
  font-size: 0.85rem;
  color: var(--text-muted);
  pointer-events: none;
}

.field-group input {
  width: 100%;
  background: var(--surface);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: 0.65rem 0.75rem 0.65rem 1.75rem;
  color: var(--text);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.field-group input.no-prefix { padding-left: 0.75rem; }
.field-group input.has-suffix { padding-right: 2.5rem; }

.field-group input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.12);
}

.field-group input.error { border-color: var(--danger); }
.error-msg { font-size: 0.75rem; color: var(--danger); min-height: 1rem; }

.calc-btn {
  width: 100%;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: var(--radius-md);
  padding: 0.75rem;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
  margin-top: 0.5rem;
}

.calc-btn:hover { background: var(--accent-dim); }
.calc-btn:active { transform: scale(0.99); }

.results-panel { display: none; margin-top: 1.5rem; animation: fadeUp 0.3s ease; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  margin-bottom: 1rem;
}

@media (max-width: 560px) { .results-grid { grid-template-columns: 1fr; } }

.result-card {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1rem;
  text-align: center;
}

.result-card.highlight {
  background: var(--green-light);
  border-color: var(--green-border);
}

.result-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.4rem;
}

.result-value { font-size: 1.6rem; font-weight: 700; color: var(--text); line-height: 1; }
.result-card.highlight .result-value { color: var(--green); }
.result-sub { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.25rem; }

.cta-box {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
  margin-top: 1.25rem;
}

.cta-box h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 0.5rem; }

.cta-box p {
  font-size: 0.875rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

.cta-btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  padding: 0.65rem 1.5rem;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  transition: background 0.15s;
  font-family: 'Inter', sans-serif;
}

.cta-btn:hover { background: #046c4e; }
.cta-disclaimer { font-size: 0.72rem; color: var(--text-faint); margin-top: 0.6rem; }

.recalc-btn {
  background: transparent;
  border: 1px solid var(--border-dark);
  color: var(--text-muted);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-md);
  cursor: pointer;
  font-size: 0.8rem;
  font-family: 'Inter', sans-serif;
  margin-top: 1rem;
  transition: border-color 0.15s, color 0.15s;
}

.recalc-btn:hover { border-color: var(--accent); color: var(--accent); }

.amort-section {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1rem;
  margin-bottom: 1rem;
}

.amort-title {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-muted);
  margin-bottom: 0.75rem;
}

.amort-bars { display: flex; flex-direction: column; gap: 0.6rem; }

.amort-row { display: flex; align-items: center; gap: 0.75rem; font-size: 0.82rem; }

.amort-label { width: 75px; color: var(--text-muted); flex-shrink: 0; font-size: 0.8rem; }

.amort-track {
  flex: 1;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  overflow: hidden;
}

.amort-fill { height: 100%; border-radius: 3px; transition: width 0.7s ease; width: 0%; }
.amort-fill.normal { background: #93c5fd; }
.amort-fill.overpay { background: var(--green); }
.amort-amount { width: 40px; text-align: right; color: var(--text); font-weight: 600; font-size: 0.8rem; }

.section-heading { font-size: 1.25rem; font-weight: 700; color: var(--text); margin-bottom: 1.25rem; letter-spacing: -0.3px; }

.seo-section { max-width: 680px; margin: 0 auto 3rem; }

.seo-content h3 { font-size: 0.95rem; font-weight: 600; color: var(--text); margin: 1.25rem 0 0.4rem; }

.seo-content p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }

.seo-content a { color: var(--accent); text-decoration: none; }
.seo-content a:hover { text-decoration: underline; }

.banks-section { margin-bottom: 3rem; }

.banks-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 0.75rem; }

.bank-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1rem;
  text-decoration: none;
  color: var(--text);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.bank-card:hover { border-color: var(--accent); box-shadow: var(--shadow-sm); }

.bank-icon {
  width: 36px;
  height: 36px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.bank-name { font-size: 0.875rem; font-weight: 600; color: var(--text); }
.bank-desc { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.1rem; }

.blog-section { margin-bottom: 3rem; }

.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1rem; }

.blog-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-decoration: none;
  color: var(--text);
  transition: border-color 0.15s, box-shadow 0.15s;
  display: block;
}

.blog-card:hover { border-color: var(--accent); box-shadow: var(--shadow-sm); }

.blog-tag {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.5rem;
  display: block;
}

.blog-card h3 { font-size: 0.9rem; font-weight: 600; margin-bottom: 0.4rem; line-height: 1.4; }
.blog-card p { font-size: 0.82rem; color: var(--text-muted); line-height: 1.5; }
.read-more { font-size: 0.8rem; color: var(--accent); margin-top: 0.6rem; display: block; font-weight: 500; }

.trust-section {
  background: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 2.5rem 1.5rem;
  margin-bottom: 3rem;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  max-width: 880px;
  margin: 0 auto;
}

.trust-item { display: flex; align-items: flex-start; gap: 0.75rem; }

.trust-icon {
  width: 32px;
  height: 32px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
  color: var(--accent);
  font-weight: 700;
}

.trust-text strong { display: block; font-size: 0.875rem; font-weight: 600; margin-bottom: 0.15rem; }
.trust-text span { font-size: 0.8rem; color: var(--text-muted); }

.faq-section { max-width: 680px; margin: 0 auto 3rem; }
.faq-item { border-bottom: 1px solid var(--border); }

.faq-q {
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  color: var(--text);
  padding: 1rem 0;
}

.faq-q::after { content: '+'; color: var(--accent); font-size: 1.1rem; flex-shrink: 0; font-weight: 400; }
.faq-item.open .faq-q::after { content: '−'; }

.faq-a { display: none; font-size: 0.875rem; color: var(--text-muted); line-height: 1.7; padding-bottom: 1rem; }
.faq-item.open .faq-a { display: block; }

.breadcrumb {
  font-size: 0.8rem;
  color: var(--text-muted);
  padding: 1rem 0;
  display: flex;
  gap: 0.4rem;
  align-items: center;
}

.breadcrumb a { color: var(--accent); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: var(--text-faint); }

.site-footer {
  background: var(--surface);
  border-top: 1px solid var(--border);
  padding: 1.5rem;
}

.footer-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-copy { font-size: 0.78rem; color: var(--text-muted); }
.footer-links { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-links a { font-size: 0.78rem; color: var(--text-muted); text-decoration: none; }
.footer-links a:hover { color: var(--accent); }

@media (max-width: 768px) {
  .calc-card { padding: 1.25rem; margin: 1.25rem auto; }
  .hero { padding: 2rem 1.25rem 1.5rem; }
  .footer-inner { flex-direction: column; text-align: center; }
  .site-nav { gap: 0.1rem; }
  .site-nav a { padding: 0.3rem 0.5rem; font-size: 0.78rem; }
}