/* =========================================================
   KiraDulu — site styles
   Palette from the logo: KiraDulu blue #2563A6 (main),
   teal, lime and coin gold as accents
   ========================================================= */

@font-face {
  font-family: "Plus Jakarta Sans";
  font-style: normal;
  font-display: swap;
  font-weight: 200 800;
  src: url("fonts/plus-jakarta-sans.woff2") format("woff2-variations"),
       url("fonts/plus-jakarta-sans.woff2") format("woff2");
}

:root {
  /* main colour */
  --brand: #2563A6;
  --brand-deep: #1C4F87;
  --navy: #102B4C;

  /* accents taken from the logo */
  --teal: #01C4CB;
  --teal-deep: #087D85;     /* teal that's dark enough for text */
  --teal-soft: #DDF6F7;
  --lime: #99E102;
  --lime-deep: #3F7A06;     /* green that's dark enough for text */
  --lime-soft: #EDF9D6;
  --gold: #F4B63F;
  --gold-deep: #7A5208;
  --gold-soft: #FDF1D5;

  /* surfaces and text */
  --sky: #E3EEFA;
  --sky-2: #F0F6FD;
  --bg: #F6F9FD;
  --paper: #FFFFFF;
  --ink: #16233A;
  --ink-2: #2D3E57;
  --muted: #536379;
  --line: #D6E1EE;
  --line-strong: #B4C6DB;

  /* topic colours for the hub */
  --t-property: #2563A6;
  --t-cars: #0A8F99;
  --t-loans: #7A4FC2;
  --t-invest: #3F8A0C;
  --t-everyday: #C27A06;
  --t-purchases: #D1437A;
  --t-retire: #E0622B;

  --radius: 16px;
  --wrap: 1120px;
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --stripe: linear-gradient(90deg, var(--brand) 0 40%, var(--teal) 40% 70%, var(--lime) 70% 100%);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--brand); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--brand-deep); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3, h4 { line-height: 1.15; letter-spacing: -0.02em; color: var(--navy); margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 1.3rem + 3.4vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 1.15rem + 1.3vw, 2.05rem); font-weight: 800; }
h3 { font-size: 1.18rem; font-weight: 700; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }
strong { font-weight: 700; }
.small { font-size: .9rem; color: var(--muted); }
.muted { color: var(--muted); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.section { padding: 72px 0; }
.section-tight { padding: 48px 0; }
.section-white { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 640px; margin-bottom: 32px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.skip { position: absolute; left: -9999px; top: 0; }
.skip:focus { left: 16px; top: 12px; background: #fff; padding: 10px 14px; z-index: 200; border-radius: 8px; }

/* Placeholder highlight: anything in yellow needs your details before launch */
.todo { background: #FFF1A8; outline: 1px dashed #B89200; padding: 0 4px; border-radius: 3px; }

/* ---------- Header ---------- */
.site-header { background: var(--paper); position: sticky; top: 0; z-index: 50; box-shadow: 0 1px 0 var(--line); }
.site-header::after { content: ""; display: block; height: 4px; background: var(--stripe); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 80px; gap: 16px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand img { height: 56px; width: auto; }
.nav { display: flex; gap: 4px; }
.nav a { padding: 9px 15px; border-radius: 10px; text-decoration: none; color: var(--ink-2); font-weight: 700; font-size: .96rem; }
.nav a:hover { background: var(--sky-2); color: var(--brand); }
.nav a[aria-current="page"] { background: var(--brand); color: #fff; }

@media (max-width: 600px) {
  .site-header { position: static; }
  .site-header .wrap { flex-wrap: wrap; padding-top: 12px; padding-bottom: 8px; gap: 6px; min-height: 0; }
  .brand img { height: 44px; }
  .nav { justify-content: space-between; margin: 0 -10px; width: calc(100% + 20px); }
  .nav a { padding: 8px 12px; font-size: .93rem; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 50px; padding: 12px 22px; border-radius: 12px;
  font: 700 1rem/1.2 var(--font); text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: background-color .15s ease, border-color .15s ease, color .15s ease;
}
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-deep); color: #fff; }
.btn-secondary { background: var(--paper); color: var(--brand); border-color: var(--brand); }
.btn-secondary:hover { background: var(--sky-2); color: var(--brand-deep); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: #F8C764; color: var(--navy); }
.btn-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .7); }
.btn-light:hover { background: rgba(255, 255, 255, .12); color: #fff; border-color: #fff; }
.btn-plain { background: transparent; color: var(--brand); padding-left: 8px; padding-right: 8px; }
.btn-plain:hover { background: var(--sky-2); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- Cards ---------- */
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }

/* ---------- Home: hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background: linear-gradient(135deg, #1D5596 0%, var(--brand) 45%, #1F7FB0 100%);
  padding: 64px 0 84px;
}
.hero-art { position: absolute; right: -40px; bottom: -6px; width: 760px; max-width: 70%; opacity: .9; pointer-events: none; }
.hero .wrap { position: relative; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 56px; align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2.5rem, 1.4rem + 4.6vw, 4.4rem); letter-spacing: -0.035em; margin-bottom: .35em; }
.hero-meaning { display: inline-block; font-size: .98rem; color: var(--navy); background: var(--lime); padding: 6px 14px; border-radius: 12px; margin: 0 0 20px; font-weight: 600; }
.hero-meaning em { font-style: normal; font-weight: 800; }
.hero-sub { font-size: clamp(1.08rem, 1rem + .35vw, 1.25rem); color: #E3EDF9; max-width: 34em; margin-bottom: 28px; }
.hero-trust { margin-top: 22px; font-size: .92rem; color: #D6E4F5; display: flex; flex-wrap: wrap; gap: 6px 18px; }
.hero-trust span { display: inline-flex; align-items: center; gap: 6px; }
.hero-trust svg { width: 18px; height: 18px; color: var(--lime); }

@media (max-width: 900px) {
  .hero { padding: 40px 0 56px; }
  .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 36px; }
  .hero-art { max-width: 120%; width: 600px; right: -120px; opacity: .55; }
}

/* ---------- The receipt (signature element) ---------- */
.receipt-wrap { filter: drop-shadow(0 2px 2px rgba(16, 43, 76, .08)) drop-shadow(0 16px 30px rgba(16, 43, 76, .18)); }
.receipt {
  --z: 9px;
  position: relative;
  background: var(--paper);
  border-radius: 16px 16px 0 0;
  padding: 30px 26px 38px;
  color: var(--ink);
  -webkit-mask: conic-gradient(from -45deg at bottom, #0000, #000 1deg 89deg, #0000 90deg) 50% / calc(2 * var(--z)) 100%;
          mask: conic-gradient(from -45deg at bottom, #0000, #000 1deg 89deg, #0000 90deg) 50% / calc(2 * var(--z)) 100%;
}
.receipt::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: var(--stripe); }
.r-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.r-title { font-weight: 800; font-size: 1.08rem; color: var(--navy); margin: 0; }
.r-stamp { font-size: .78rem; font-weight: 700; color: var(--teal-deep); background: var(--teal-soft); padding: 3px 9px; border-radius: 99px; white-space: nowrap; }
.r-summary { margin: 4px 0 0; color: var(--muted); font-size: .95rem; }
.r-sep { border: 0; border-top: 2px dashed var(--line); margin: 16px 0; }
.r-sep-strong { border-top-color: var(--line-strong); }
.r-group { display: flex; align-items: center; gap: 8px; margin: 0 0 4px; font-size: .86rem; font-weight: 800; color: var(--brand); }
.r-group::before { content: ""; width: 10px; height: 10px; border-radius: 3px; background: var(--brand); }
.r-group.duty { color: var(--teal-deep); }
.r-group.duty::before { background: var(--teal); }
.r-row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 5px 0; font-size: .98rem; }
.r-row .amt { font-weight: 700; white-space: nowrap; font-variant-numeric: tabular-nums; }
.r-row .lbl { display: inline-flex; flex-wrap: wrap; align-items: center; gap: 6px; }
.r-total { font-size: 1.32rem; font-weight: 800; color: var(--navy); padding-top: 2px; }
.r-total .amt { font-weight: 800; background: linear-gradient(transparent 60%, var(--gold) 60%, var(--gold) 92%, transparent 92%); padding: 0 2px; }
.r-cash { background: var(--sky-2); border: 1px solid var(--sky); border-radius: 10px; padding: 10px 14px; margin-top: 14px; }
.r-cash .r-row { font-size: .95rem; }
.r-cash-total { font-weight: 700; color: var(--brand-deep); }
.r-notes { margin: 14px 0 0; padding: 0; list-style: none; font-size: .88rem; color: var(--ink-2); }
.r-notes li { position: relative; padding-left: 16px; margin-bottom: 6px; }
.r-notes li::before { content: ""; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.r-foot { margin: 16px 0 0; font-size: .8rem; color: var(--muted); }
.tag { display: inline-block; font-size: .72rem; font-weight: 800; line-height: 1; padding: 4px 8px; border-radius: 99px; background: var(--lime-soft); color: var(--lime-deep); white-space: nowrap; }
.tag-gold { background: var(--gold-soft); color: var(--gold-deep); }

/* quick estimate in hero */
.receipt .qe-field { margin: 16px 0 6px; }
.qe-field label { display: block; font-weight: 700; font-size: .92rem; margin-bottom: 6px; color: var(--navy); }
.qe-assume { font-size: .82rem; color: var(--muted); margin: 6px 0 0; }
.qe-link { margin-top: 18px; width: 100%; }

/* ---------- Form controls ---------- */
.field { margin: 0 0 24px; padding: 0; border: 0; min-width: 0; }
.field > label, .field > legend, .field-label { display: block; font-weight: 700; margin-bottom: 8px; padding: 0; color: var(--navy); }
.hint { font-size: .88rem; color: var(--muted); margin: 8px 0 0; line-height: 1.5; }
.input-money { display: flex; align-items: center; border: 2px solid var(--line); border-radius: 12px; background: var(--paper); transition: border-color .15s, box-shadow .15s; }
.input-money span { padding-left: 14px; font-weight: 800; color: var(--brand); }
.input-money input { flex: 1; min-width: 0; border: 0; background: transparent; font: 700 1.25rem/1.2 var(--font); color: var(--ink); padding: 13px 14px 13px 6px; outline: none; font-variant-numeric: tabular-nums; }
.input-money:focus-within { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(37, 99, 166, .16); }
.input-money.small-input input { font-size: 1.05rem; padding-top: 10px; padding-bottom: 10px; }

.segmented { display: flex; flex-wrap: wrap; gap: 8px; }
.segmented input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.segmented label { padding: 10px 16px; border: 2px solid var(--line); border-radius: 999px; cursor: pointer; font-weight: 700; font-size: .95rem; background: var(--paper); line-height: 1.2; user-select: none; color: var(--ink-2); }
.segmented label:hover { border-color: var(--line-strong); }
.segmented input:checked + label { border-color: var(--brand); background: var(--brand); color: #fff; }
.segmented input:focus-visible + label { outline: 3px solid var(--gold); outline-offset: 2px; }

select {
  width: 100%; font: 600 1rem/1.3 var(--font); color: var(--ink);
  padding: 13px 44px 13px 14px; border: 2px solid var(--line); border-radius: 12px; background: var(--paper);
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%232563A6' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
select:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 4px rgba(37, 99, 166, .16); }
.sub-field { margin-top: 14px; }
.fine-tune { border-top: 1px solid var(--line); padding-top: 16px; margin-bottom: 0; }
.fine-tune summary { cursor: pointer; font-weight: 700; color: var(--brand); list-style: none; }
.fine-tune summary::-webkit-details-marker { display: none; }
.fine-tune summary::before { content: "+"; display: inline-block; width: 1.2em; font-weight: 800; }
.fine-tune[open] summary::before { content: "\2212"; }
.fine-tune[open] summary { margin-bottom: 14px; }

/* ---------- Page header (inner pages) ---------- */
.page-hero {
  position: relative; overflow: hidden;
  background: linear-gradient(115deg, #E2EDFA 0%, #E3F7F8 58%, #EFF9DC 100%);
  border-bottom: 1px solid var(--line);
  margin-bottom: 40px;
}
.page-hero::after {
  content: ""; position: absolute; right: 4%; bottom: 0; width: 260px; height: 150px; opacity: .55; pointer-events: none;
  background:
    linear-gradient(var(--teal), var(--teal)) 0 100% / 34px 46% no-repeat,
    linear-gradient(var(--lime), var(--lime)) 46px 100% / 34px 64% no-repeat,
    linear-gradient(var(--teal), var(--teal)) 92px 100% / 34px 52% no-repeat,
    linear-gradient(var(--brand), var(--brand)) 138px 100% / 34px 80% no-repeat,
    linear-gradient(var(--lime), var(--lime)) 184px 100% / 34px 100% no-repeat;
}
.page-hero .wrap { position: relative; z-index: 1; }
.page-head { padding: 34px 0 36px; }
.page-head h1 { max-width: 20em; }
.lede { font-size: clamp(1.05rem, 1rem + .3vw, 1.2rem); color: var(--ink-2); max-width: 40em; }
.crumbs { font-size: .88rem; color: var(--muted); margin-bottom: 18px; }
.crumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px; }
.crumbs li + li::before { content: "/"; margin: 0 6px 0 2px; color: var(--line-strong); }
.crumbs a { color: var(--brand); }
.meta-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 4px; }
.meta-pill { display: inline-flex; align-items: center; gap: 6px; font-size: .86rem; font-weight: 700; color: var(--brand-deep); background: var(--paper); border: 1px solid var(--line); padding: 6px 12px; border-radius: 99px; }
.meta-pill svg { width: 16px; height: 16px; color: var(--teal-deep); }
.meta-pill.lime svg { color: var(--lime-deep); }
@media (max-width: 760px) { .page-hero::after { width: 150px; height: 90px; opacity: .3; transform: scale(.6); transform-origin: right bottom; } }

/* ---------- Calculator page ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 430px); gap: 40px; align-items: start; }
.calc-form { border-top: 5px solid var(--brand); }
.calc-results { position: sticky; top: 104px; }
.r-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin-top: 22px; }
.r-actions .btn { min-height: 44px; padding: 10px 16px; font-size: .95rem; }
#copy-status { font-size: .88rem; color: var(--lime-deep); font-weight: 700; }
.working { margin-top: 18px; background: var(--paper); border: 1px solid var(--line); border-radius: 12px; padding: 14px 18px; }
.working summary { cursor: pointer; font-weight: 700; color: var(--brand); }
.working ol { margin: 12px 0 4px; padding-left: 20px; font-size: .9rem; color: var(--ink-2); }
.working li { margin-bottom: 8px; font-variant-numeric: tabular-nums; }
@media (max-width: 900px) {
  .calc { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .calc-results { position: static; }
}

.lead-box { position: relative; overflow: hidden; display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: 32px; align-items: center; background: var(--navy); color: #D5E2F2; border: 0; }
.lead-box::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: var(--stripe); }
.lead-box h2 { color: #fff; }
.lead-box a { color: #fff; }
.lead-box .small { color: #AFC3DA; }
.lead-box .lead-action { text-align: left; }
@media (max-width: 800px) { .lead-box { grid-template-columns: minmax(0, 1fr); gap: 16px; } }

.explain-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.explain-grid .card { border-top: 5px solid var(--c, var(--brand)); }
.explain-grid .card:nth-child(1) { --c: var(--brand); }
.explain-grid .card:nth-child(2) { --c: var(--teal); }
.explain-grid .card:nth-child(3) { --c: var(--gold); }
.explain-grid .card:nth-child(4) { --c: var(--t-loans); }
.explain-grid .card:nth-child(5) { --c: var(--lime); }
.explain-grid .card:nth-child(6) { --c: var(--t-purchases); }
.explain-grid .card h3 { margin-bottom: .4em; }
.explain-grid .card p:last-child { margin-bottom: 0; }
@media (max-width: 760px) { .explain-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { max-width: 760px; }
.faq details { background: var(--paper); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; padding: 0 20px; }
.faq details[open] { border-color: var(--brand); box-shadow: 0 0 0 3px var(--sky); }
.faq summary { cursor: pointer; list-style: none; padding: 16px 40px 16px 0; font-weight: 700; font-size: 1.03rem; position: relative; color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: -4px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; font-size: 1.2rem; font-weight: 700; background: var(--sky); color: var(--brand); }
.faq details[open] summary::after { content: "\2212"; background: var(--brand); color: #fff; }
.faq details > div { padding: 0 0 16px; color: var(--ink-2); }

/* ---------- Callouts ---------- */
.note { background: var(--gold-soft); border-left: 5px solid var(--gold); padding: 16px 20px; border-radius: 10px; margin: 0 0 1.4em; }
.note p:last-child { margin-bottom: 0; }
.note-green { background: var(--lime-soft); border-left-color: var(--lime); }
.note-blue { background: var(--sky-2); border-left-color: var(--brand); }
.disclaimer { font-size: .9rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 20px; margin-top: 8px; }

/* ---------- Home: topics ---------- */
.topic-feature { position: relative; overflow: hidden; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 28px; align-items: start; border: 1px solid var(--line); padding-top: 34px; }
.topic-feature::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: var(--stripe); }
.topic-feature .links { display: grid; gap: 12px; }
.topic-badge { display: inline-block; font-size: .78rem; font-weight: 800; color: var(--lime-deep); background: var(--lime-soft); padding: 4px 10px; border-radius: 99px; margin-bottom: 12px; }
.topic-link { display: flex; gap: 14px; align-items: flex-start; padding: 16px 18px; border: 2px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); background: var(--paper); transition: border-color .15s, background-color .15s; }
.topic-link:hover { border-color: var(--brand); background: var(--sky-2); color: var(--ink); }
.topic-link strong { display: block; color: var(--navy); }
.topic-link span { font-size: .92rem; color: var(--muted); }
.topic-link .ico { flex: none; width: 42px; height: 42px; border-radius: 11px; background: var(--brand); color: #fff; display: grid; place-items: center; }
.topic-link:nth-child(2) .ico { background: var(--teal); color: var(--navy); }
.topic-link .ico svg { width: 22px; height: 22px; }
.topic-title { display: flex; align-items: center; gap: 12px; margin-bottom: 10px; }
.topic-title .ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--sky); color: var(--brand); }
.topic-title .ico svg { width: 25px; height: 25px; }
.topic-title h3 { margin: 0; font-size: 1.35rem; }

.topics-next-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin: 40px 0 16px; }
.topics-next-head h3 { margin: 0; }
.topics { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.topic { background: var(--paper); border: 1px solid var(--line); border-left: 5px solid var(--c); border-radius: 14px; padding: 20px; display: flex; gap: 14px; align-items: flex-start; }
.topic .ico { flex: none; width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; color: #fff; background: var(--c); }
.topic .ico svg { width: 22px; height: 22px; }
.topic h4 { margin: 0 0 4px; font-size: 1.02rem; color: var(--navy); }
.topic p { margin: 0; font-size: .92rem; color: var(--muted); line-height: 1.5; }
@media (max-width: 900px) {
  .topic-feature { grid-template-columns: minmax(0, 1fr); gap: 18px; }
  .topics { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) { .topics { grid-template-columns: 1fr; } }

/* ---------- Home: steps & trust ---------- */
.steps { list-style: none; counter-reset: step; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
.steps li { counter-increment: step; position: relative; padding-top: 62px; }
.steps li::before { content: counter(step); position: absolute; top: 0; left: 0; width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; font-size: 1.15rem; color: #fff; background: var(--brand); }
.steps li:nth-child(2)::before { background: var(--teal); color: var(--navy); }
.steps li:nth-child(3)::before { background: var(--lime); color: var(--navy); }
.steps li::after { content: ""; position: absolute; top: 22px; left: 58px; right: -14px; border-top: 3px dotted var(--line-strong); }
.steps li:last-child::after { display: none; }
.steps h3 { margin-bottom: .35em; }
.steps p { color: var(--muted); margin: 0; }
@media (max-width: 760px) {
  .steps { grid-template-columns: 1fr; gap: 24px; }
  .steps li { padding: 0 0 0 62px; }
  .steps li::after { display: none; }
}

.trust { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.trust-item { padding: 24px; background: var(--paper); border-radius: 14px; border: 1px solid var(--line); }
.trust-item .ico { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; margin-bottom: 16px; background: var(--sky); color: var(--brand); }
.trust-item:nth-child(2) .ico { background: var(--teal-soft); color: var(--teal-deep); }
.trust-item:nth-child(3) .ico { background: var(--lime-soft); color: var(--lime-deep); }
.trust-item .ico svg { width: 26px; height: 26px; }
.trust-item h3 { font-size: 1.08rem; margin-bottom: .4em; }
.trust-item p { margin: 0; color: var(--muted); font-size: .96rem; }
@media (max-width: 860px) { .trust { grid-template-columns: 1fr; } }

.band {
  position: relative; overflow: hidden;
  background: linear-gradient(120deg, var(--brand) 0%, #1A86B4 60%, #0AA5AE 100%);
  border-radius: 22px; padding: 44px; color: #fff;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.band > * { position: relative; }
.band::after {
  content: ""; position: absolute; right: 230px; bottom: 0; width: 200px; height: 100%; opacity: .16; pointer-events: none;
  background:
    linear-gradient(#fff, #fff) 0 100% / 28px 40% no-repeat,
    linear-gradient(#fff, #fff) 40px 100% / 28px 58% no-repeat,
    linear-gradient(#fff, #fff) 80px 100% / 28px 48% no-repeat,
    linear-gradient(#fff, #fff) 120px 100% / 28px 74% no-repeat,
    linear-gradient(#fff, #fff) 160px 100% / 28px 92% no-repeat;
}
.band h2 { color: #fff; margin-bottom: .25em; }
.band .btn-primary { background: var(--gold); color: var(--navy); }
.band .btn-primary:hover { background: #F8C764; color: var(--navy); }
.band p { margin: 0; color: #E2EEFA; }
@media (max-width: 760px) { .band { padding: 28px 22px; } .band::after { right: 10px; } }

/* ---------- Article / guide ---------- */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 270px; gap: 64px; align-items: start; }
.toc { grid-column: 2; grid-row: 1; position: sticky; top: 104px; font-size: .93rem; }
.toc-inner { background: var(--paper); border: 1px solid var(--line); border-top: 5px solid var(--teal); border-radius: 12px; padding: 18px 20px; }
.toc p { font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.toc ol { margin: 0; padding-left: 18px; }
.toc li { margin-bottom: 6px; }
.toc li::marker { color: var(--teal-deep); font-weight: 700; }
.toc a { color: var(--ink-2); text-decoration: none; }
.toc a:hover { color: var(--brand); text-decoration: underline; }
.prose { grid-column: 1; grid-row: 1; max-width: 70ch; }
.prose h2 { margin-top: 2.1em; scroll-margin-top: 96px; }
.prose h2::before { content: ""; display: block; width: 44px; height: 5px; border-radius: 3px; background: var(--stripe); margin-bottom: 14px; }
.prose h2.mt-0::before, .band h2::before, .policy h2::before { display: none; }
.prose h3 { margin-top: 1.7em; scroll-margin-top: 96px; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose ul > li::marker { color: var(--brand); }
.prose > p:first-of-type { font-size: 1.1rem; }
.byline { display: flex; align-items: center; gap: 12px; margin-top: 18px; font-size: .92rem; color: var(--muted); }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: linear-gradient(135deg, var(--brand), var(--teal)); color: #fff; font-weight: 800; display: grid; place-items: center; flex: none; }
.byline strong { color: var(--ink); }
.table-wrap { overflow-x: auto; margin: 0 0 1.4em; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); }
table { border-collapse: collapse; width: 100%; font-size: .95rem; font-variant-numeric: tabular-nums; }
th, td { padding: 11px 14px; text-align: left; border-bottom: 1px solid var(--line); }
th { background: var(--brand); color: #fff; font-weight: 700; }
tbody tr:nth-child(even) td { background: var(--sky-2); }
td.r, th.r { text-align: right; white-space: nowrap; }
tr.total td, tbody tr.total:nth-child(even) td { font-weight: 800; color: var(--navy); background: var(--gold-soft); }
tr:last-child td { border-bottom: 0; }
.timeline { list-style: none; padding: 0 !important; margin: 0 0 1.4em; counter-reset: tl; }
.timeline li { counter-increment: tl; position: relative; padding: 0 0 22px 56px; margin: 0; --c: var(--brand); }
.timeline li:nth-child(3n+2) { --c: var(--teal-deep); }
.timeline li:nth-child(3n) { --c: var(--lime-deep); }
.timeline li::before { content: counter(tl); position: absolute; left: 0; top: 0; width: 38px; height: 38px; border-radius: 50%; background: var(--c); color: #fff; font-weight: 800; display: grid; place-items: center; font-size: .95rem; }
.timeline li::after { content: ""; position: absolute; left: 18px; top: 42px; bottom: 2px; border-left: 3px dotted var(--line-strong); }
.timeline li:last-child::after { display: none; }
.timeline h3 { margin: 4px 0 .3em; font-size: 1.1rem; }
.timeline .when { display: inline-block; font-size: .8rem; font-weight: 700; color: var(--gold-deep); background: var(--gold-soft); padding: 2px 9px; border-radius: 99px; margin-bottom: 6px; }
.checklist { list-style: none; padding-left: 0 !important; }
.checklist li { position: relative; padding-left: 34px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: .15em; width: 22px; height: 22px; border-radius: 6px; background: var(--lime-soft); border: 2px solid var(--lime-deep); }
.checklist li::after { content: ""; position: absolute; left: 7px; top: calc(.15em + 4px); width: 6px; height: 11px; border: solid var(--lime-deep); border-width: 0 2.5px 2.5px 0; transform: rotate(45deg); }
.sources { font-size: .9rem; color: var(--muted); }
.sources li { margin-bottom: .5em; }
@media (max-width: 960px) {
  .article-layout { grid-template-columns: minmax(0, 1fr); gap: 0; }
  .toc { grid-column: 1; grid-row: auto; position: static; margin-bottom: 8px; }
  .prose { grid-row: auto; }
}

/* ---------- About ---------- */
.about-intro { display: grid; grid-template-columns: 200px minmax(0, 1fr); gap: 40px; align-items: start; }
.portrait { width: 200px; height: 200px; border-radius: 24px; background: linear-gradient(135deg, var(--brand) 0%, var(--teal) 70%, var(--lime) 100%); display: grid; place-items: center; color: #fff; font-weight: 800; font-size: 4rem; object-fit: cover; }
.is-isnt { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.is-isnt .card:first-child { border-top: 5px solid var(--lime); }
.is-isnt .card:last-child { border-top: 5px solid var(--t-purchases); }
.is-isnt ul { margin: 0; padding-left: 1.2em; }
.is-isnt li { margin-bottom: .5em; }
.is-isnt .card:first-child li::marker { color: var(--lime-deep); }
.is-isnt .card:last-child li::marker { color: var(--t-purchases); }
@media (max-width: 760px) {
  .about-intro { grid-template-columns: 1fr; gap: 20px; }
  .portrait { width: 120px; height: 120px; font-size: 2.6rem; border-radius: 18px; }
  .is-isnt { grid-template-columns: 1fr; }
}

/* ---------- Privacy ---------- */
.lang-switch { display: inline-flex; gap: 4px; background: var(--paper); border: 1px solid var(--line); border-radius: 12px; padding: 4px; margin-top: 8px; }
.lang-switch a { padding: 8px 14px; border-radius: 9px; text-decoration: none; font-weight: 700; font-size: .92rem; color: var(--brand); }
.lang-switch a:hover { background: var(--brand); color: #fff; }
.policy h2 { font-size: 1.3rem; margin-top: 2em; }
.policy section:first-child h2 { margin-top: 0; }
.policy-part { scroll-margin-top: 96px; }
.policy-part + .policy-part { margin-top: 64px; padding-top: 48px; border-top: 3px dotted var(--line-strong); }

/* ---------- Footer ---------- */
.site-footer { position: relative; background: var(--navy); color: #C3D3E6; padding: 60px 0 28px; margin-top: 80px; font-size: .95rem; }
.site-footer::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: var(--stripe); }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: var(--lime); }
.footer-logo { display: inline-block; background: #fff; border-radius: 12px; padding: 10px 14px; margin-bottom: 14px; }
.footer-logo img { height: 44px; width: auto; }
.footer-logo:hover { text-decoration: none; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.6fr) repeat(3, minmax(0, 1fr)); gap: 32px; }
.footer-grid h4 { color: var(--teal); font-size: .95rem; margin: 0 0 12px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .14); margin-top: 40px; padding-top: 20px; font-size: .85rem; color: #9FB4CC; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; }
.footer-legal p { margin: 0; max-width: 62em; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-grid > div:first-child { grid-column: 1 / -1; } }

/* ---------- Utilities ---------- */
.print-only { display: none; }
[hidden] { display: none !important; }
.mt-0 { margin-top: 0; }

/* Tables fit on phones without sideways scrolling */
@media (max-width: 480px) {
  table { font-size: .86rem; }
  th, td { padding: 9px 8px; }
  th.r, td.r { white-space: normal; }
  .crumbs li[aria-current] { display: none; }
}

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

/* ---------- Print (calculator "save as PDF") ---------- */
@media print {
  @page { margin: 16mm; }
  body { background: #fff; font-size: 12pt; }
  .site-header, .site-footer, .no-print, .calc-form, .crumbs, .after-calc, .r-actions, .page-hero::after { display: none !important; }
  .page-hero { background: #fff; border: 0; margin: 0; }
  .page-head { padding: 0 0 12px; }
  .calc { display: block; }
  .calc-results { position: static; max-width: 520px; }
  .receipt-wrap { filter: none; }
  .receipt { -webkit-mask: none; mask: none; border: 1px solid #ccc; border-radius: 8px; padding-bottom: 26px; }
  .working { display: block; border: 0; padding: 0; }
  .print-only { display: block; }
  a { color: #000; }
}

/* On the blue hero, the receipt's top strip uses the lighter logo colours */
.hero .receipt::before { background: linear-gradient(90deg, var(--teal) 0 55%, var(--lime) 55% 100%); }
.prose .band::after { right: 24px; }

/* ---------- Added Nov 2026: refinancing form, hub and related links ---------- */
.two-col { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.two-col .field { margin-bottom: 0; }
.field-group { margin-bottom: 24px; }
.input-unit { display: flex; align-items: center; border: 2px solid var(--line); border-radius: 12px; background: var(--paper); }
.input-unit input { flex: 1; min-width: 0; border: 0; background: transparent; font: 700 1.15rem/1.2 var(--font); color: var(--ink); padding: 12px 6px 12px 14px; outline: none; font-variant-numeric: tabular-nums; }
.input-unit span { padding-right: 14px; font-weight: 800; color: var(--brand); }
.input-unit:focus-within { border-color: var(--brand); box-shadow: 0 0 0 4px rgba(37, 99, 166, .16); }
.r-row.neg .amt { color: #B42318; }
.r-group.save { color: var(--lime-deep); }
.r-group.save::before { background: var(--lime); }
@media (max-width: 420px) { .two-col { grid-template-columns: 1fr; } }

.related { margin-top: 24px; }
.related h2 { font-size: 1.4rem; }
.related-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.rel-card { display: flex; flex-direction: column; gap: 6px; padding: 18px 20px; background: var(--paper); border: 1px solid var(--line); border-left: 5px solid var(--c, var(--brand)); border-radius: 12px; text-decoration: none; color: var(--ink); }
.rel-card:hover { border-color: var(--c, var(--brand)); background: var(--sky-2); color: var(--ink); }
.rel-card strong { color: var(--navy); line-height: 1.3; }
.rel-card span { font-size: .9rem; color: var(--muted); line-height: 1.45; }
.rel-card .kind { font-size: .75rem; font-weight: 800; color: var(--c, var(--brand)); }
@media (max-width: 900px) { .related-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .related-grid { grid-template-columns: 1fr; } }

.hub-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.hub-card { display: flex; gap: 16px; align-items: flex-start; padding: 22px; background: var(--paper); border: 1px solid var(--line); border-top: 5px solid var(--c, var(--brand)); border-radius: 14px; text-decoration: none; color: var(--ink); }
.hub-card:hover { border-color: var(--c, var(--brand)); background: var(--sky-2); color: var(--ink); }
.hub-card .ico { flex: none; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--c, var(--brand)); color: #fff; }
.hub-card .ico svg { width: 24px; height: 24px; }
.hub-card h3 { margin: 0 0 4px; font-size: 1.12rem; }
.hub-card p { margin: 0; color: var(--muted); font-size: .95rem; }
@media (max-width: 760px) { .hub-grid { grid-template-columns: 1fr; } }
.hub-section { scroll-margin-top: 100px; }
.topic-link:nth-child(3) .ico { background: var(--lime); color: var(--navy); }