/* ===== LoanLens design system ===== */
:root{
  --primary:#0F9D6C;
  --primary-600:#0B8A5E;
  --primary-700:#086B49;
  --accent:#19C37D;
  --danger:#E5484D;
  --bg-mint:#EEF8F3;
  --bg-mint-2:#E2F3EA;
  --card:#FFFFFF;
  --ink:#111C17;
  --muted:#6A7B72;
  --border:#E4EDE8;
  --shadow:0 10px 30px rgba(11,126,84,.08);
  --shadow-sm:0 4px 14px rgba(11,126,84,.07);
  --radius:18px;
  --radius-sm:12px;
  --maxw:1140px;
  --header-grad:linear-gradient(135deg,#13A574 0%,#0B7E54 100%);
  font-synthesis:none;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.section{padding:64px 0}
.section-tight{padding:40px 0}
.text-center{text-align:center}
.accent{color:var(--accent)}
.muted{color:var(--muted)}

h1,h2,h3,h4{line-height:1.2;color:var(--ink);font-weight:800}
h1{font-size:clamp(2rem,4vw,3rem)}
h2{font-size:clamp(1.6rem,3vw,2.25rem)}
h3{font-size:1.25rem}
.eyebrow{display:inline-block;font-weight:700;color:var(--primary);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;margin-bottom:10px}
.lead{font-size:1.1rem;color:var(--muted);max-width:680px}
.section .lead{margin-left:auto;margin-right:auto}

/* ===== Buttons ===== */
.btn{display:inline-flex;align-items:center;gap:8px;justify-content:center;
  padding:13px 24px;border-radius:999px;font-weight:700;font-size:.98rem;
  border:2px solid transparent;cursor:pointer;transition:.18s ease;white-space:nowrap}
.btn-primary{background:var(--primary);color:#fff}
.btn-primary:hover{background:var(--primary-600);transform:translateY(-1px)}
.btn-outline{background:#fff;color:var(--primary-700);border-color:var(--border)}
.btn-outline:hover{border-color:var(--primary);color:var(--primary)}
.btn-ghost{background:rgba(255,255,255,.16);color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.26)}
.btn-block{width:100%}
.btn-lg{padding:15px 30px;font-size:1.05rem}

/* ===== Header ===== */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--ink)}
.brand img{width:38px;height:38px}
.brand span b{color:var(--primary)}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links a{padding:9px 14px;border-radius:10px;font-weight:600;color:#2a3b33;font-size:.96rem}
.nav-links a:hover,.nav-links a.active{background:var(--bg-mint);color:var(--primary-700)}
.has-drop{position:relative}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--border);
  border-radius:14px;box-shadow:var(--shadow);padding:8px;min-width:230px;display:none}
.has-drop:hover .dropdown{display:block}
.dropdown a{display:block;padding:9px 12px;border-radius:9px;font-size:.92rem}
.nav-cta{display:flex;align-items:center;gap:10px}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;font-size:1.6rem;color:var(--ink)}
.currency-select{border:1px solid var(--border);border-radius:10px;padding:8px 10px;font-weight:600;color:#2a3b33;background:#fff;cursor:pointer}

@media(max-width:920px){
  .menu-toggle{display:block}
  .nav-links{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;
    gap:2px;padding:14px 20px;border-bottom:1px solid var(--border);box-shadow:var(--shadow);
    transform:translateY(-130%);transition:.25s;max-height:calc(100vh - 72px);overflow:auto}
  .nav-links.open{transform:translateY(0)}
  .dropdown{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 10px;min-width:0}
  .has-drop>a::after{content:" ▾"}
  .nav-cta .btn{display:none}
}

/* ===== Hero ===== */
.hero{background:var(--bg-mint);position:relative;overflow:hidden}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;
  background:radial-gradient(circle,rgba(25,195,125,.18),transparent 70%);z-index:0}
.hero::before{width:480px;height:480px;top:-160px;right:-120px}
.hero::after{width:360px;height:360px;bottom:-160px;left:-120px}
.hero .container{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding:70px 0}
.hero h1 span{color:var(--accent)}
.hero p{margin:18px 0 26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-badges{display:flex;gap:22px;margin-top:26px;flex-wrap:wrap}
.hero-badge{display:flex;align-items:center;gap:8px;font-weight:600;color:var(--primary-700);font-size:.95rem}
.hero-badge .dot{width:9px;height:9px;border-radius:50%;background:var(--accent)}
.hero-art{background:var(--header-grad);border-radius:26px;padding:34px;color:#fff;box-shadow:var(--shadow)}
.hero-art h3{color:#fff;margin-bottom:4px}
.hero-art .mini{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.25);
  border-radius:14px;padding:16px;margin-top:16px;display:flex;justify-content:space-between;align-items:center}
.hero-art .mini b{font-size:1.5rem}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr;padding:48px 0}}

/* ===== Cards / grids ===== */
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:24px;box-shadow:var(--shadow-sm)}
.tool-card{display:flex;flex-direction:column;gap:10px;transition:.18s ease;height:100%}
.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#cfe9dd}
.tool-card .ic{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;
  background:var(--bg-mint);color:var(--primary);font-size:1.4rem}
.tool-card h3{font-size:1.08rem}
.tool-card p{color:var(--muted);font-size:.92rem;flex:1}
.tool-card .go{color:var(--primary);font-weight:700;font-size:.9rem;margin-top:4px}

.feature{display:flex;gap:14px;align-items:flex-start}
.feature .ic{flex:0 0 44px;width:44px;height:44px;border-radius:12px;background:var(--bg-mint);
  color:var(--primary);display:grid;place-items:center;font-size:1.25rem}
.feature h3{font-size:1.05rem;margin-bottom:2px}
.feature p{color:var(--muted);font-size:.93rem}

.cat-title{display:flex;align-items:center;gap:10px;margin:8px 0 18px}
.cat-title .ic{width:34px;height:34px;border-radius:9px;background:var(--bg-mint);color:var(--primary);
  display:grid;place-items:center;font-size:1.05rem}
.cat-title h2{font-size:1.4rem}

/* ===== Page header band ===== */
.page-band{background:var(--header-grad);color:#fff;padding:48px 0}
.page-band h1{color:#fff}
.page-band p{color:rgba(255,255,255,.9);max-width:680px;margin-top:10px}
.breadcrumb{font-size:.85rem;color:rgba(255,255,255,.8);margin-bottom:10px}
.breadcrumb a:hover{color:#fff;text-decoration:underline}

/* ===== Calculator layout ===== */
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
@media(max-width:880px){.calc-wrap{grid-template-columns:1fr}}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:7px}
.field .hint{font-size:.8rem;color:var(--muted);margin-top:5px}
.input,select.input{width:100%;border:1px solid var(--border);border-radius:12px;padding:12px 14px;
  font-size:1rem;font-family:inherit;color:var(--ink);background:#fff;transition:.15s}
.input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(15,157,108,.12)}
.input-group{display:flex;gap:10px}
.input-group .input{flex:1}
.input-group select.input{flex:0 0 110px}
.range-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.range-row .val{font-weight:800;color:var(--primary)}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:6px;background:var(--bg-mint-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;
  background:var(--primary);cursor:pointer;border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border:3px solid #fff;border-radius:50%;background:var(--primary);cursor:pointer}
.range-scale{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:4px}

/* result panel */
.result-card{background:var(--header-grad);color:#fff;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.result-card h3{color:#fff}
.result-emi{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:14px;
  padding:18px;text-align:center;margin:16px 0}
.result-emi .lbl{font-size:.85rem;opacity:.9}
.result-emi b{display:block;font-size:2rem;margin-top:4px}
.result-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;text-align:center}
.result-stats div{background:rgba(255,255,255,.1);border-radius:12px;padding:12px 8px}
.result-stats .lbl{font-size:.74rem;opacity:.85;display:block}
.result-stats b{font-size:1.02rem}
.donut-wrap{display:flex;align-items:center;gap:18px;justify-content:center;margin-top:18px;flex-wrap:wrap}
.legend{display:flex;flex-direction:column;gap:8px;font-size:.9rem}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:7px}
.result-empty{display:grid;place-items:center;text-align:center;color:var(--muted);min-height:280px;
  border:2px dashed var(--border);border-radius:var(--radius);padding:24px}

/* ===== Steps / lists ===== */
.steps{counter-reset:step}
.steps li{position:relative;padding:0 0 18px 46px;counter-increment:step}
.steps li::before{content:counter(step);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;
  background:var(--primary);color:#fff;font-weight:700;display:grid;place-items:center;font-size:.9rem}
.steps li::after{content:"";position:absolute;left:15px;top:32px;bottom:0;width:2px;background:var(--border)}
.steps li:last-child{padding-bottom:0}
.steps li:last-child::after{display:none}
.steps li b{display:block}
.steps li span{color:var(--muted);font-size:.92rem}

.checklist li{display:flex;gap:10px;align-items:flex-start;padding:9px 0}
.checklist li::before{content:"✓";color:var(--primary);font-weight:800;flex:0 0 auto}
.bullets li{padding:7px 0 7px 22px;position:relative;color:#33433b}
.bullets li::before{content:"";position:absolute;left:0;top:15px;width:8px;height:8px;border-radius:50%;background:var(--accent)}

/* gauge + bars (credit score) */
.gauge-card{text-align:center}
.gauge-score{font-size:3rem;font-weight:800;color:var(--primary-700)}
.bar-chart{display:flex;flex-direction:column;gap:12px;margin-top:8px}
.bar-row{display:grid;grid-template-columns:140px 1fr 56px;align-items:center;gap:10px;font-size:.88rem}
.bar-track{background:var(--bg-mint-2);border-radius:8px;height:12px;overflow:hidden}
.bar-fill{height:100%;border-radius:8px;background:var(--primary)}

/* wizard */
.wizard-progress{display:flex;gap:6px;margin-bottom:22px}
.wizard-progress span{flex:1;height:6px;border-radius:6px;background:var(--bg-mint-2)}
.wizard-progress span.done{background:var(--primary)}
.wstep{display:none}
.wstep.active{display:block}
.opt{display:flex;justify-content:space-between;align-items:center;border:1px solid var(--border);
  border-radius:12px;padding:14px 16px;margin-bottom:10px;cursor:pointer;transition:.15s}
.opt:hover{border-color:var(--primary)}
.opt.sel{border-color:var(--primary);background:var(--bg-mint)}
.opt small{display:block;color:var(--muted);font-weight:400}
.counter{display:flex;align-items:center;gap:12px}
.counter button{width:34px;height:34px;border-radius:9px;border:1px solid var(--border);background:#fff;
  font-size:1.2rem;cursor:pointer;color:var(--primary);font-weight:700}
.counter b{min-width:24px;text-align:center}
.wizard-nav{display:flex;justify-content:space-between;gap:12px;margin-top:18px}

/* converter chips */
.unit-chips{display:flex;flex-wrap:wrap;gap:8px}
.unit-chips button{border:1px solid var(--border);background:#fff;border-radius:10px;padding:9px 14px;
  font-weight:600;cursor:pointer;font-size:.9rem;color:#33433b}
.unit-chips button.sel{background:var(--primary);color:#fff;border-color:var(--primary)}
.conv-result{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:14px;
  background:var(--bg-mint);border-radius:14px;padding:18px;margin-top:6px;text-align:center}
.conv-result .box b{font-size:1.5rem;color:var(--primary-700)}
.conv-result .box span{font-size:.8rem;color:var(--muted)}
.conv-result .arrow{font-size:1.4rem;color:var(--primary)}

/* compare table */
.cmp-table{width:100%;border-collapse:collapse;font-size:.95rem}
.cmp-table th,.cmp-table td{padding:12px 10px;text-align:right;border-bottom:1px solid var(--border)}
.cmp-table th:first-child,.cmp-table td:first-child{text-align:left;color:var(--muted)}
.cmp-table thead th{color:var(--primary-700);font-weight:800}
.cmp-winner{color:var(--primary);font-weight:700}
.cmp-diff{color:var(--danger);font-weight:700}

/* ===== App CTA band ===== */
.app-cta{background:var(--header-grad);color:#fff;border-radius:24px;padding:44px;text-align:center;box-shadow:var(--shadow)}
.app-cta h2{color:#fff}
.app-cta p{color:rgba(255,255,255,.9);max-width:620px;margin:12px auto 22px}
.store-badge{display:inline-flex;align-items:center;gap:12px;background:#0b1f17;color:#fff;
  border-radius:14px;padding:11px 22px;font-weight:600}
.store-badge small{display:block;font-size:.7rem;opacity:.85;font-weight:400}
.store-badge b{font-size:1.18rem}

/* ===== Prose (legal pages) ===== */
.prose{max-width:820px;margin:0 auto}
.prose h2{font-size:1.4rem;margin:30px 0 10px}
.prose h3{margin:20px 0 8px}
.prose p,.prose li{color:#33433b;margin-bottom:12px}
.prose ul{padding-left:22px;list-style:disc}
.prose li{margin-bottom:6px}
.info-table{width:100%;border-collapse:collapse;margin:14px 0}
.info-table td{padding:10px 12px;border:1px solid var(--border);vertical-align:top}
.info-table td:first-child{font-weight:700;width:200px;background:var(--bg-mint)}

/* ===== Footer ===== */
.site-footer{background:#0c1a14;color:#cfe0d7;padding:54px 0 26px;margin-top:30px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer a{color:#aebfb6;font-size:.92rem;display:block;padding:5px 0}
.site-footer a:hover{color:#fff}
.footer-brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.2rem;color:#fff;margin-bottom:12px}
.footer-brand img{width:34px;height:34px}
.footer-about{font-size:.9rem;color:#9fb1a8;max-width:320px}
.footer-meta{font-size:.84rem;color:#8aa094;margin-top:14px;line-height:1.7}
.footer-bottom{border-top:1px solid #1d3328;margin-top:34px;padding-top:20px;display:flex;
  justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem;color:#8aa094}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}

.disclaimer-note{background:var(--bg-mint);border:1px solid var(--border);border-left:4px solid var(--primary);
  border-radius:10px;padding:14px 16px;font-size:.9rem;color:#33433b;margin-top:18px}