/* ============================================================
   DSCR Mortgages — Design System
   Palette: Deep navy/slate authority + gold accent
   Fonts: Playfair Display (display) + DM Sans (body)
   ============================================================ */

:root,
[data-theme='light'] {
  /* Type scale */
  --text-xs:   clamp(0.75rem,  0.7rem + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem + 0.75vw,   1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem + 4vw,      5rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* Fonts */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', 'Helvetica Neue', sans-serif;

  /* Surfaces — light warm slate */
  --color-bg:              #f4f5f7;
  --color-surface:         #ffffff;
  --color-surface-2:       #f8f9fb;
  --color-surface-offset:  #eef0f4;
  --color-divider:         #dde0e7;
  --color-border:          #c8ccd5;

  /* Text */
  --color-text:         #141b2e;
  --color-text-muted:   #5a6278;
  --color-text-faint:   #9ba3b8;
  --color-text-inverse: #f8f9fb;

  /* Primary — deep navy */
  --color-primary:           #1a2f5e;
  --color-primary-hover:     #0f1e40;
  --color-primary-active:    #091226;
  --color-primary-highlight: #dde3f0;

  /* Accent — financial gold */
  --color-accent:           #c49a2a;
  --color-accent-hover:     #a57e1c;
  --color-accent-active:    #876212;
  --color-accent-highlight: #f5edcf;

  /* Success */
  --color-success:           #1a7a4a;
  --color-success-highlight: #d0edd9;

  /* Error */
  --color-error:           #b52b2b;
  --color-error-highlight: #f5d5d5;

  /* Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-full: 9999px;

  /* Transitions */
  --transition-interactive: 180ms cubic-bezier(0.16, 1, 0.3, 1);

  /* Shadows */
  --shadow-sm: 0 1px 3px oklch(0.15 0.02 240 / 0.08);
  --shadow-md: 0 4px 16px oklch(0.15 0.02 240 / 0.10);
  --shadow-lg: 0 12px 40px oklch(0.15 0.02 240 / 0.14);

  /* Content widths */
  --content-narrow:  640px;
  --content-default: 960px;
  --content-wide:    1200px;
}

[data-theme='dark'] {
  --color-bg:              #0d1220;
  --color-surface:         #121828;
  --color-surface-2:       #161d2f;
  --color-surface-offset:  #1a2238;
  --color-divider:         #1e2840;
  --color-border:          #2a3450;
  --color-text:            #dde2ef;
  --color-text-muted:      #8b96b4;
  --color-text-faint:      #4f5a78;
  --color-text-inverse:    #0d1220;
  --color-primary:         #5b82d0;
  --color-primary-hover:   #7ba0e0;
  --color-primary-active:  #a0bfee;
  --color-primary-highlight: #1c2c54;
  --color-accent:           #e8b84a;
  --color-accent-hover:     #f5cc6e;
  --color-accent-active:    #fdd98a;
  --color-accent-highlight: #3a2c0a;
  --color-success:           #3ab876;
  --color-success-highlight: #0e2e1a;
  --color-error:             #e86060;
  --color-error-highlight:   #2e1010;
  --shadow-sm: 0 1px 3px oklch(0 0 0 / 0.25);
  --shadow-md: 0 4px 16px oklch(0 0 0 / 0.35);
  --shadow-lg: 0 12px 40px oklch(0 0 0 / 0.45);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg:              #0d1220;
    --color-surface:         #121828;
    --color-surface-2:       #161d2f;
    --color-surface-offset:  #1a2238;
    --color-divider:         #1e2840;
    --color-border:          #2a3450;
    --color-text:            #dde2ef;
    --color-text-muted:      #8b96b4;
    --color-text-faint:      #4f5a78;
    --color-text-inverse:    #0d1220;
    --color-primary:         #5b82d0;
    --color-primary-hover:   #7ba0e0;
    --color-primary-active:  #a0bfee;
    --color-primary-highlight: #1c2c54;
    --color-accent:           #e8b84a;
    --color-accent-hover:     #f5cc6e;
    --color-accent-active:    #fdd98a;
    --color-accent-highlight: #3a2c0a;
    --color-success:           #3ab876;
    --color-success-highlight: #0e2e1a;
    --color-error:             #e86060;
    --color-error-highlight:   #2e1010;
    --shadow-sm: 0 1px 3px oklch(0 0 0 / 0.25);
    --shadow-md: 0 4px 16px oklch(0 0 0 / 0.35);
    --shadow-lg: 0 12px 40px oklch(0 0 0 / 0.45);
  }
}

/* ============================================================
   GLOBAL LAYOUT
   ============================================================ */

.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-4), 4vw, var(--space-16));
}

.container--narrow {
  max-width: var(--content-default);
}

section {
  padding-block: clamp(var(--space-12), 8vw, var(--space-24));
}

/* ============================================================
   HEADER / NAV
   ============================================================ */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: oklch(from var(--color-bg) l c h / 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-divider);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-interactive);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: var(--space-4);
  gap: var(--space-6);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  color: var(--color-text);
  flex-shrink: 0;
}

.nav-logo-text {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.01em;
}

[data-theme='dark'] .nav-logo-text {
  color: var(--color-primary);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  list-style: none;
}

.nav-links a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  text-decoration: none;
  letter-spacing: 0.01em;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--color-primary);
}

[data-theme='dark'] .nav-links a:hover,
[data-theme='dark'] .nav-links a.active {
  color: var(--color-primary);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.nav-toggle {
  display: none;
  padding: var(--space-2);
  color: var(--color-text);
  border-radius: var(--radius-sm);
}

@media (max-width: 768px) {
  .nav-links,
  .nav-cta .btn:not(.btn--ghost) {
    display: none;
  }
  .nav-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .nav-links.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-divider);
    padding: var(--space-4) var(--space-6);
    gap: var(--space-4);
    box-shadow: var(--shadow-md);
    align-items: flex-start;
  }
  .nav-links.is-open a {
    font-size: var(--text-base);
    padding-block: var(--space-2);
  }
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  font-size: var(--text-sm);
  font-weight: 600;
  font-family: var(--font-body);
  letter-spacing: 0.02em;
  border-radius: var(--radius-md);
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}

.btn--primary {
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-color: var(--color-primary);
}

.btn--primary:hover {
  background: var(--color-primary-hover);
  border-color: var(--color-primary-hover);
  box-shadow: var(--shadow-md);
}

.btn--accent {
  background: var(--color-accent);
  color: #fff;
  border-color: var(--color-accent);
}

.btn--accent:hover {
  background: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  box-shadow: var(--shadow-md);
}

.btn--ghost {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn--ghost:hover {
  background: var(--color-primary-highlight);
}

.btn--lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
  border-radius: var(--radius-lg);
}

.btn--sm {
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-xs);
}

/* ============================================================
   HERO
   ============================================================ */

.hero {
  position: relative;
  background: var(--color-primary);
  color: var(--color-text-inverse);
  overflow: visible;
  min-height: 76vh;
  display: flex;
  align-items: center;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 70% 50%, rgba(196,154,42,0.12) 0%, transparent 60%),
    radial-gradient(circle at 10% 80%, rgba(91,130,208,0.1) 0%, transparent 50%);
  pointer-events: none;
  overflow: hidden;
}

.hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
  overflow: hidden;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 760px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-5);
}

.hero-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-accent);
}

.hero h1 {
  font-size: var(--text-3xl);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: #fff;
  margin-bottom: var(--space-6);
}

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

.hero-lead {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.78);
  margin-bottom: var(--space-8);
  max-width: 56ch;
  line-height: 1.55;
  font-family: var(--font-body);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
}

.hero-trust {
  margin-top: var(--space-10);
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-6);
  align-items: center;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.6);
  font-weight: 500;
  letter-spacing: 0.02em;
}

.hero-trust-item svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

/* ============================================================
   SECTION HEADINGS
   ============================================================ */

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}

.section-title {
  font-size: var(--text-2xl);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--color-text);
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
  max-width: 58ch;
  line-height: 1.55;
  font-family: var(--font-body);
  font-weight: 400;
}

.section-header {
  margin-bottom: var(--space-12);
}

.section-header--center {
  text-align: center;
}

.section-header--center .section-subtitle {
  margin-inline: auto;
}

/* ============================================================
   STATS BAR
   ============================================================ */

.stats-bar {
  background: var(--color-surface);
  border-top: 1px solid var(--color-divider);
  border-bottom: 1px solid var(--color-divider);
  padding-block: var(--space-8);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: var(--space-4);
  text-align: center;
}

.stat-item {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.stat-number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  line-height: 1.1;
}

[data-theme='dark'] .stat-number {
  color: var(--color-accent);
}

.stat-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* ============================================================
   FEATURE CARDS
   ============================================================ */

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}

.feature-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  transition: box-shadow var(--transition-interactive), transform var(--transition-interactive);
}

.feature-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.feature-icon {
  width: 48px;
  height: 48px;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  color: var(--color-primary);
}

[data-theme='dark'] .feature-icon {
  background: var(--color-primary-highlight);
  color: var(--color-primary);
}

.feature-card h3 {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.feature-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */

.steps-section {
  background: var(--color-surface-2);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-8);
  position: relative;
}

.step-item {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.step-number {
  width: 48px;
  height: 48px;
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  flex-shrink: 0;
}

.step-item h3 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
}

.step-item p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
}

/* ============================================================
   CTA BAND
   ============================================================ */

.cta-band {
  background: var(--color-primary);
  color: #fff;
  text-align: center;
  padding-block: clamp(var(--space-12), 8vw, var(--space-24));
}

.cta-band h2 {
  font-size: var(--text-2xl);
  font-weight: 700;
  color: #fff;
  margin-bottom: var(--space-4);
  letter-spacing: -0.02em;
}

.cta-band p {
  font-size: var(--text-base);
  color: rgba(255,255,255,0.78);
  margin-bottom: var(--space-8);
  max-width: 50ch;
  margin-inline: auto;
  font-family: var(--font-body);
}

.cta-band .btn--accent {
  font-size: var(--text-base);
  padding: var(--space-4) var(--space-10);
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}

.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.testimonial-quote {
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: var(--space-5);
  font-style: italic;
}

.testimonial-quote::before {
  content: '\201C';
  font-family: var(--font-display);
  font-size: var(--text-xl);
  color: var(--color-accent);
  line-height: 0;
  vertical-align: -0.25em;
  margin-right: var(--space-1);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.testimonial-avatar {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-full);
  background: var(--color-primary-highlight);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--text-base);
  color: var(--color-primary);
  flex-shrink: 0;
}

.testimonial-name {
  font-weight: 700;
  font-size: var(--text-sm);
  color: var(--color-text);
}

.testimonial-role {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* ============================================================
   CALCULATOR
   ============================================================ */

.calculator-section {
  background: var(--color-surface-2);
}

.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-10);
  align-items: start;
}

@media (max-width: 768px) {
  .calculator-wrapper {
    grid-template-columns: 1fr;
  }
}

.calculator-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
}

.calc-title {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-6);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-5);
}

.form-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
}

.form-input {
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  background: var(--color-bg);
  color: var(--color-text);
  width: 100%;
}

.form-input:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-highlight);
}

.form-hint {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
}

.calc-result-card {
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.calc-result-label {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.65);
  margin-bottom: var(--space-2);
}

.calc-result-value {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--color-accent);
  margin-bottom: var(--space-6);
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-block: var(--space-3);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: var(--text-sm);
}

.calc-result-row:last-child {
  border-bottom: none;
}

.calc-result-row-label {
  color: rgba(255,255,255,0.7);
}

.calc-result-row-value {
  font-weight: 700;
  color: #fff;
}

.calc-result-verdict {
  margin-top: var(--space-5);
  padding: var(--space-4);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  font-weight: 600;
  text-align: center;
}

.calc-result-verdict.pass {
  background: rgba(58,184,118,0.2);
  color: #6de8a0;
}

.calc-result-verdict.fail {
  background: rgba(232,96,96,0.2);
  color: #f08080;
}

/* ============================================================
   FAQ
   ============================================================ */

.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  cursor: pointer;
  background: transparent;
  border: none;
}

.faq-question:hover {
  background: var(--color-surface-2);
  color: var(--color-primary);
}

.faq-question[aria-expanded='true'] {
  color: var(--color-primary);
  border-bottom: 1px solid var(--color-divider);
}

.faq-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--color-accent);
  transition: transform var(--transition-interactive);
}

.faq-question[aria-expanded='true'] .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
}

.faq-answer.is-open {
  display: block;
}

/* ============================================================
   CONTACT FORM
   ============================================================ */

.contact-section {
  background: var(--color-surface-2);
}

.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: var(--space-12);
  align-items: start;
}

@media (max-width: 768px) {
  .contact-wrapper {
    grid-template-columns: 1fr;
  }
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}

.contact-info-label {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-faint);
  font-weight: 600;
  margin-bottom: var(--space-1);
}

.contact-info-value {
  font-size: var(--text-base);
  color: var(--color-text);
  font-weight: 500;
}

.contact-form-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

@media (max-width: 500px) {
  .form-grid-2 {
    grid-template-columns: 1fr;
  }
}

.form-select {
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  background: var(--color-bg);
  color: var(--color-text);
  width: 100%;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235a6278' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-3) center;
  padding-right: var(--space-10);
  cursor: pointer;
}

.form-select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-highlight);
}

.form-textarea {
  resize: vertical;
  min-height: 110px;
}

.form-submit {
  width: 100%;
  padding: var(--space-4);
  font-size: var(--text-base);
}

.form-success {
  display: none;
  text-align: center;
  padding: var(--space-8);
}

.form-success.is-visible {
  display: block;
}

.form-success-icon {
  width: 56px;
  height: 56px;
  background: var(--color-success-highlight);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-success);
  margin: 0 auto var(--space-4);
}

/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
  background: var(--color-primary);
  color: rgba(255,255,255,0.75);
  padding-block: clamp(var(--space-12), 6vw, var(--space-20));
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-10);
}

@media (max-width: 900px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

.footer-brand p {
  font-size: var(--text-sm);
  line-height: 1.7;
  max-width: 36ch;
  margin-top: var(--space-4);
}

.footer-brand .nav-logo-text {
  color: #fff;
}

.footer-col h4 {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: #fff;
  margin-bottom: var(--space-4);
  letter-spacing: 0.02em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--transition-interactive);
}

.footer-links a:hover {
  color: var(--color-accent);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: var(--space-6);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
}

.footer-legal {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.45);
  max-width: 64ch;
  line-height: 1.6;
}

.footer-bottom-links {
  display: flex;
  gap: var(--space-5);
}

.footer-bottom-links a {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.55);
  text-decoration: none;
}

.footer-bottom-links a:hover {
  color: var(--color-accent);
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */

.page-hero {
  background: var(--color-primary);
  color: #fff;
  padding-block: clamp(var(--space-12), 8vw, var(--space-20));
}

.page-hero h1 {
  font-size: var(--text-2xl);
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: var(--space-4);
}

.page-hero p {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.78);
  max-width: 54ch;
  font-family: var(--font-body);
  font-weight: 400;
}

/* ============================================================
   BLOG CARDS
   ============================================================ */

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}

.blog-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--transition-interactive), transform var(--transition-interactive);
}

.blog-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.blog-card-img {
  height: 180px;
  background: var(--color-primary);
  position: relative;
  overflow: hidden;
}

.blog-card-img-inner {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--color-primary) 0%, #2a4a90 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}

.blog-card-body {
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  flex: 1;
}

.blog-card-tag {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
}

.blog-card h3 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  line-height: 1.35;
}

.blog-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
  flex: 1;
}

.blog-card-meta {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  padding-top: var(--space-3);
  border-top: 1px solid var(--color-divider);
}

/* ============================================================
   ARTICLE PAGE
   ============================================================ */

.article-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: var(--space-12);
  align-items: start;
}

@media (max-width: 860px) {
  .article-layout {
    grid-template-columns: 1fr;
  }
}

.article-body h2 {
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-text);
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
}

.article-body h3 {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
}

.article-body p {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: var(--space-5);
}

.article-body ul,
.article-body ol {
  padding-left: var(--space-6);
  margin-bottom: var(--space-5);
}

.article-body li {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin-bottom: var(--space-2);
}

.article-sidebar {
  position: sticky;
  top: calc(var(--space-16) + var(--space-4));
}

.sidebar-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  margin-bottom: var(--space-4);
}

.sidebar-card h4 {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-4);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.toc-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.toc-list a {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  text-decoration: none;
  line-height: 1.5;
}

.toc-list a:hover {
  color: var(--color-primary);
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: center;
}

@media (max-width: 768px) {
  .about-grid {
    grid-template-columns: 1fr;
  }
}

.about-visual {
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.about-stat-row {
  display: flex;
  gap: var(--space-8);
}

.about-stat {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.about-stat-num {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-accent);
}

.about-stat-lbl {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
  margin-top: var(--space-8);
}

@media (max-width: 500px) {
  .values-grid { grid-template-columns: 1fr; }
}

.value-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
}

.value-card h4 {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.value-card p {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ============================================================
   UTILITY
   ============================================================ */

.text-accent { color: var(--color-accent); }
.text-muted  { color: var(--color-text-muted); }
.bg-surface  { background: var(--color-surface); }
.bg-surface-2 { background: var(--color-surface-2); }

.divider {
  border: none;
  border-top: 1px solid var(--color-divider);
  margin-block: var(--space-8);
}

/* Theme toggle button */
.theme-toggle {
  padding: var(--space-2);
  border-radius: var(--radius-md);
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
}

.theme-toggle:hover {
  background: var(--color-surface-offset);
  color: var(--color-text);
}

/* Breadcrumb */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-bottom: var(--space-6);
}

.breadcrumb a {
  color: rgba(255,255,255,0.55);
  text-decoration: none;
}

.breadcrumb a:hover { color: var(--color-accent); }
.breadcrumb-sep { color: rgba(255,255,255,0.3); }
.breadcrumb-current { color: rgba(255,255,255,0.85); }

/* Checklist */
.checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.checklist li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.check-icon {
  width: 20px;
  height: 20px;
  border-radius: var(--radius-full);
  background: var(--color-success-highlight);
  color: var(--color-success);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ── Calculators dropdown nav ── */
.nav-dropdown {
  position: relative;
}
.nav-dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
  background: none;
  border: none;
  font: inherit;
  font-size: inherit;
  color: var(--color-text);
  padding: 0;
  text-decoration: none;
}
.nav-dropdown-toggle:hover,
.nav-dropdown-toggle:focus-visible {
  color: var(--color-accent);
  outline: none;
}
.nav-dropdown-toggle svg {
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.nav-dropdown.is-open .nav-dropdown-toggle svg {
  transform: rotate(180deg);
}
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  min-width: 210px;
  padding: var(--space-2);
  z-index: 200;
}
.nav-dropdown.is-open .nav-dropdown-menu {
  display: block;
}
.nav-dropdown-menu a {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.nav-dropdown-menu a:hover {
  background: var(--color-accent-highlight);
  color: var(--color-primary);
}
.nav-dropdown-menu a svg {
  flex-shrink: 0;
  color: var(--color-accent);
}
[data-theme="dark"] .nav-dropdown-menu {
  background: var(--color-surface);
  border-color: var(--color-divider);
  box-shadow: 0 8px 24px rgba(0,0,0,0.4);
}
/* Mobile: show as normal stacked links */
@media (max-width: 768px) {
  .nav-dropdown-menu {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    border-radius: 0;
    background: transparent;
    padding: 0 0 0 var(--space-4);
    display: block !important;
  }
  .nav-dropdown-toggle svg { display: none; }
  .nav-dropdown-menu a {
    font-size: var(--text-sm);
    padding: var(--space-2) 0;
  }
}