/* =========================================================================
   CalculateYourRate.com — design system (v2)
   Direction: modern SaaS calculator — light neutral canvas, rounded white
   cards, slider inputs, a donut-chart payment breakdown, bold geometric
   headings. Matches the reference UIs the client shared: card-based
   calculators with sliders + a "amount in the middle of a ring" result.
   ========================================================================= */

:root {
  --ink: #101B3D;              /* deep navy: headings, primary text */
  --ink-soft: #5B6584;         /* secondary text */
  --bg: #F5F6FB;               /* page background */
  --card: #FFFFFF;             /* card surfaces */
  --line: rgba(16, 27, 61, 0.09);
  --line-strong: rgba(16, 27, 61, 0.18);

  --primary: #3454D1;          /* indigo: links, secondary UI, chart P&I */
  --primary-dark: #263F9E;
  --accent: #FF6B35;           /* signal orange: primary CTA / affiliate */
  --accent-dark: #E2531F;
  --mint: #17B897;             /* chart: insurance */
  --amber: #FFB020;            /* chart: taxes */
  --rose: #FF4D6D;             /* chart: PMI / cost callouts */

  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 20px 45px rgba(16, 27, 61, 0.09);
  --shadow-sm: 0 8px 20px rgba(16, 27, 61, 0.06);
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Poppins', 'Inter', sans-serif;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.18;
  letter-spacing: -0.01em;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2.1rem, 4.2vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.15rem); }
h3 { font-size: 1.2rem; }

p { margin: 0 0 1em; color: var(--ink-soft); }

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.mono, .num, input[type="number"] {
  font-family: 'IBM Plex Mono', 'SFMono-Regular', Consolas, monospace;
}

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.eyebrow {
  font-family: 'Inter', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 0.74rem;
  color: var(--primary);
  font-weight: 700;
}

.section { padding: 88px 0; }
.section--tight { padding: 56px 0; }
.section--alt { background: var(--card); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 26px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.98rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  text-decoration: none;
  font-family: 'Inter', sans-serif;
}
.btn:hover { text-decoration: none; }

.btn--stamp {
  background: var(--accent);
  color: #fff;
  box-shadow: var(--shadow-sm);
}
.btn--stamp:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 12px 24px rgba(226,83,31,0.28); }

.btn--ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line-strong);
}
.btn--ghost:hover { background: rgba(16,27,61,0.04); }
.btn--ghost.active {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}

.btn--dark {
  background: var(--ink);
  color: #fff;
}
.btn--dark:hover { background: #1c2c5c; transform: translateY(-1px); }

.btn--full { width: 100%; }
.btn--lg { padding: 17px 28px; font-size: 1.05rem; }

/* ---------- header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(245, 246, 251, 0.92);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--ink);
  display: flex;
  align-items: center;
  gap: 8px;
}
.logo .mark {
  width: 32px; height: 32px;
  border-radius: 9px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.95rem;
  font-weight: 800;
}
.nav-links {
  display: flex;
  gap: 30px;
  align-items: center;
  font-size: 0.94rem;
  font-weight: 500;
}
.nav-links a { color: var(--ink-soft); }
.nav-links a:hover { color: var(--ink); text-decoration: none; }
.nav-cta { display: none; }
@media (min-width: 720px) { .nav-cta { display: inline-flex; } }
.nav-toggle { display: none; background: none; border: none; font-size: 1.6rem; cursor: pointer; color: var(--ink); }

@media (max-width: 719px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
}

/* ---------- hero ---------- */
.hero { padding: 52px 0 40px; }
.hero-grid {
  display: grid;
  gap: 48px;
  grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 980px) {
  .hero-grid { grid-template-columns: 0.95fr 1.05fr; }
}
.hero-copy .eyebrow { margin-bottom: 16px; display: inline-block; }
.hero-copy p.lede { font-size: 1.18rem; max-width: 46ch; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.hero-trust {
  margin-top: 32px;
  font-size: 0.85rem;
  color: var(--ink-soft);
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.hero-trust span { display: flex; align-items: center; gap: 6px; }
.hero-trust .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--mint); display: inline-block; }

/* ---------- calculator card (signature element) ---------- */
.calc-card {
  background: var(--card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 8px;
  border: 1px solid var(--line);
}
.calc-tabs {
  display: flex;
  gap: 6px;
  padding: 10px;
}
.calc-tabs button {
  flex: 1;
  background: transparent;
  border: none;
  border-radius: var(--radius-sm);
  padding: 10px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--ink-soft);
  cursor: pointer;
}
.calc-tabs button.active { background: var(--bg); color: var(--ink); }

.calc-body {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
@media (min-width: 620px) {
  .calc-body { grid-template-columns: 1.05fr 0.95fr; }
}
.calc-inputs { padding: 18px 22px 26px; }
.calc-results {
  background: var(--bg);
  border-radius: var(--radius-sm);
  margin: 10px;
  padding: 26px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.field { margin-bottom: 20px; }
.field-top {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 8px;
}
.field label {
  font-size: 0.82rem;
  color: var(--ink-soft);
  font-weight: 600;
}
.field .field-value {
  font-family: 'IBM Plex Mono', monospace;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--ink);
}
.field .value-input {
  display: flex;
  align-items: center;
  gap: 6px;
}
.field .value-input .prefix,
.field .value-input .suffix { color: var(--ink-soft); font-family: 'IBM Plex Mono', monospace; }
.field .value-input input[type="text"],
.field .value-input input[type="number"] {
  width: 100px;
  text-align: right;
  border: 1px solid var(--line-strong);
  border-radius: 8px;
  padding: 5px 8px;
  font-family: 'IBM Plex Mono', monospace;
  font-weight: 700;
  font-size: 0.98rem;
  background: var(--bg);
  color: var(--ink);
}
.field .value-input input:focus { outline: 2px solid var(--primary); outline-offset: 1px; }

input[type="range"] {
  width: 100%;
  height: 6px;
  border-radius: 4px;
  background: var(--line-strong);
  accent-color: var(--primary);
  cursor: pointer;
}

.field-row-inline { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field-row-inline .field { margin-bottom: 0; }
.small-field label { font-size: 0.78rem; }
.small-field input {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--line-strong);
  border-radius: 8px;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.95rem;
  background: var(--bg);
  color: var(--ink);
}

/* donut chart, built with a conic-gradient ring (no chart library needed) */
.donut {
  --p1: 0; --p2: 0; --p3: 0; --p4: 0; /* cumulative percentages set via JS */
  width: 200px;
  height: 200px;
  border-radius: 50%;
  position: relative;
  margin: 0 auto 20px;
  background: conic-gradient(
    var(--primary) 0% var(--p1),
    var(--amber) var(--p1) var(--p2),
    var(--mint) var(--p2) var(--p3),
    var(--rose) var(--p3) var(--p4),
    var(--line) var(--p4) 100%
  );
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.25s ease;
}
.donut::before {
  content: "";
  position: absolute;
  inset: 20px;
  background: var(--bg);
  border-radius: 50%;
}
.donut-center {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.donut-center .amt {
  font-family: 'Poppins', sans-serif;
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--ink);
}
.donut-center .lbl {
  font-size: 0.72rem;
  color: var(--ink-soft);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.legend { width: 100%; text-align: left; }
.legend-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 4px;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--line);
}
.legend-row:last-child { border-bottom: none; }
.legend-row .key { display: flex; align-items: center; gap: 8px; color: var(--ink-soft); }
.legend-row .swatch { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.legend-row .amt { font-family: 'IBM Plex Mono', monospace; font-weight: 700; color: var(--ink); }
.legend-row.is-hidden { display: none; }

.calc-note { font-size: 0.78rem; color: var(--ink-soft); margin-top: 14px; }

.calc-cta { padding: 4px 22px 22px; }
.calc-cta .btn { width: 100%; }

/* ---------- generic content sections ---------- */
.grid-3 { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 780px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
.grid-2 { display: grid; gap: 32px; grid-template-columns: 1fr; }
@media (min-width: 780px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }

.step-card, .card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.step-card .step-num {
  width: 34px; height: 34px;
  border-radius: 10px;
  background: rgba(52,84,209,0.1);
  color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 14px;
}

.section-head { max-width: 640px; margin-bottom: 44px; }
.section-head .eyebrow { margin-bottom: 12px; display:block; }

/* ---------- affiliate CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--ink), #1c2c5c);
  color: #fff;
  border-radius: var(--radius);
  padding: 44px;
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}
.cta-banner::after {
  content: "";
  position: absolute;
  right: -60px; top: -60px;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,107,53,0.35), transparent 70%);
}
.cta-banner h3 { color: #fff; margin-bottom: 6px; }
.cta-banner p { color: rgba(255,255,255,0.72); margin: 0; max-width: 46ch; }

/* ---------- email capture ---------- */
.capture-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 44px;
  box-shadow: var(--shadow);
}
.capture-form { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }
.capture-form input[type="text"],
.capture-form input[type="email"] {
  flex: 1 1 220px;
  padding: 14px 16px;
  border: 1px solid var(--line-strong);
  border-radius: 100px;
  font-size: 1rem;
  background: var(--bg);
}
.capture-note { font-size: 0.78rem; color: var(--ink-soft); margin-top: 14px; }
.form-status { margin-top: 14px; font-size: 0.92rem; font-weight: 600; }
.form-status.ok { color: #0F9D74; }
.form-status.err { color: var(--rose); }

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq-item summary {
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 1.05rem;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: 'Inter', sans-serif;
  color: var(--primary);
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-left: 12px;
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item .faq-answer { margin-top: 12px; }

/* ---------- footer ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(245,246,251,0.68);
  padding: 60px 0 32px;
  font-size: 0.9rem;
}
.site-footer a { color: rgba(245,246,251,0.85); }
.footer-grid { display: grid; gap: 32px; grid-template-columns: 1fr; margin-bottom: 40px; }
@media (min-width: 780px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }
.footer-grid h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 16px; font-family: 'Inter', sans-serif; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.footer-disclosure {
  border-top: 1px solid rgba(245,246,251,0.14);
  padding-top: 24px;
  font-size: 0.78rem;
  line-height: 1.6;
  color: rgba(245,246,251,0.5);
}

/* ---------- article / legal pages ---------- */
.prose { max-width: 720px; }
.prose h2 { margin-top: 1.6em; }
.prose ul, .prose ol { color: var(--ink-soft); padding-left: 1.3em; }
.prose li { margin-bottom: 0.5em; }
.breadcrumb { font-size: 0.82rem; color: var(--ink-soft); margin-bottom: 20px; }

.badge {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  background: rgba(255,107,53,0.12);
  color: var(--accent-dark);
  padding: 5px 10px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  background: var(--accent);
  color: #fff;
  padding: 10px 16px;
  z-index: 100;
  border-radius: 8px;
}
.skip-link:focus { left: 12px; top: 12px; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}