/* DSCR Cash Out Refinance — editorial investor-finance design. No framework. */
:root {
  --ink: #10273f;
  --navy: #0f4c81;
  --navy-deep: #0a3358;
  --gold: #b97f1f;
  --gold-soft: #f6ecd7;
  --paper: #ffffff;
  --mist: #edf2f6;
  --line: #d6e0e9;
  --text: #1e3147;
  --muted: #4d6178;
  --success: #1e7a46;
  --success-bg: #e7f4ec;
  --error: #b3261e;
  --error-bg: #fbecea;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius: 10px;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: var(--navy-deep); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.prose { max-width: 780px; }
.prose-wide { max-width: 920px; }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; gap: 20px;
  padding: 12px 22px; max-width: var(--max); margin: 0 auto;
}
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 8px;
  background: var(--navy); color: #fff;
  font-family: var(--serif); font-weight: 700; font-size: 22px;
  display: flex; align-items: center; justify-content: center;
  border-bottom: 3px solid var(--gold);
}
.brand-name { line-height: 1.15; }
.brand-name strong { display: block; color: var(--ink); font-size: 16px; }
.brand-name span { font-size: 12.5px; color: var(--muted); }
.site-nav { margin-left: auto; display: flex; gap: 4px; align-items: center; }
.site-nav a {
  text-decoration: none; color: var(--text); font-size: 15.5px; font-weight: 600;
  padding: 8px 12px; border-radius: 7px;
}
.site-nav a:hover { background: var(--mist); color: var(--ink); }
.site-nav a[aria-current="page"] { color: var(--navy); background: var(--mist); }
.header-cta { display: flex; gap: 10px; align-items: center; margin-left: 8px; }
.header-phone {
  font-weight: 700; font-size: 15.5px; text-decoration: none; white-space: nowrap;
}
.nav-toggle {
  display: none; margin-left: auto;
  background: none; border: 1px solid var(--line); border-radius: 8px;
  padding: 8px 12px; font-size: 15px; font-weight: 700; color: var(--ink);
}

/* ---------- buttons ---------- */
.btn {
  display: inline-block; text-decoration: none; cursor: pointer;
  font-weight: 700; font-size: 16px;
  padding: 12px 22px; border-radius: 8px; border: 2px solid transparent;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-deep); color: #fff; }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy-deep); }
.btn-light:hover { background: var(--gold-soft); color: var(--navy-deep); }
.btn:disabled { opacity: 0.6; cursor: wait; }

/* ---------- hero ---------- */
.hero { background: var(--ink); color: #eaf0f6; overflow: hidden; }
.hero-inner {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 44px;
  max-width: var(--max); margin: 0 auto; padding: 64px 22px 56px;
  align-items: center;
}
.hero h1 {
  font-family: var(--serif); font-weight: 700;
  font-size: clamp(34px, 4.6vw, 54px); line-height: 1.08;
  margin: 0 0 18px; color: #fff; letter-spacing: -0.01em;
}
.hero h1 em { font-style: normal; color: var(--gold-soft); border-bottom: 3px solid var(--gold); }
.hero-sub { font-size: 19px; color: #c9d6e3; margin: 0 0 26px; max-width: 560px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 30px; }
.hero-proof {
  display: flex; gap: 22px; flex-wrap: wrap; list-style: none;
  margin: 0; padding: 18px 0 0; border-top: 1px solid rgba(255, 255, 255, 0.18);
  font-size: 14.5px; color: #c9d6e3;
}
.hero-proof strong { color: #fff; display: block; font-size: 17px; }
.hero-proof a { color: #fff; }
.hero-card {
  background: #fff; color: var(--text); border-radius: 14px;
  padding: 26px 26px 22px; border-top: 5px solid var(--gold);
}
.hero-card h2 { font-family: var(--serif); font-size: 24px; margin: 0 0 4px; color: var(--ink); }
.hero-card p.card-sub { margin: 0 0 16px; font-size: 15px; color: var(--muted); }

/* ---------- sections ---------- */
.section { padding: 64px 0; }
.section-mist { background: var(--mist); }
.section-navy { background: var(--navy-deep); color: #eaf0f6; }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-navy a { color: var(--gold-soft); }
.section-head { max-width: 780px; margin-bottom: 34px; }
.section-head h2, h2.section-title {
  font-family: var(--serif); font-size: clamp(27px, 3.4vw, 38px);
  line-height: 1.18; color: var(--ink); margin: 0 0 12px; letter-spacing: -0.01em;
}
.section-head p.lede, p.lede { font-size: 19px; color: var(--muted); margin: 0; }
.section-navy .lede { color: #c9d6e3; }

/* definition / answer callout (AEO) */
.answer-box {
  background: var(--gold-soft); border-radius: var(--radius);
  padding: 24px 28px; margin: 26px 0;
}
.answer-box p { margin: 0; font-size: 18px; color: var(--ink); }
.answer-box p strong { font-family: var(--serif); }

/* two-column editorial */
.cols-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.cols-21 { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 44px; align-items: start; }

/* numbered steps */
.steps { list-style: none; margin: 0; padding: 0; counter-reset: step; }
.steps li {
  counter-increment: step; position: relative;
  padding: 0 0 26px 64px; border-left: 2px solid var(--line); margin-left: 20px;
}
.steps li:last-child { border-left-color: transparent; padding-bottom: 0; }
.steps li::before {
  content: counter(step);
  position: absolute; left: -21px; top: -2px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: #fff;
  font-family: var(--serif); font-weight: 700; font-size: 19px;
  display: flex; align-items: center; justify-content: center;
}
.steps h3 { margin: 0 0 6px; font-size: 20px; color: var(--ink); }
.steps p { margin: 0; color: var(--muted); }

/* snapshot / fact list */
.fact-list { list-style: none; margin: 0; padding: 0; }
.fact-list li {
  display: grid; grid-template-columns: 190px 1fr; gap: 16px;
  padding: 14px 0; border-bottom: 1px solid var(--line);
}
.fact-list li:first-child { border-top: 1px solid var(--line); }
.fact-list dt, .fact-list .fact-term { font-weight: 700; color: var(--ink); }
.fact-list dd, .fact-list .fact-def { margin: 0; color: var(--muted); }
.fact-list a { font-weight: 600; }

/* comparison table */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
table.compare { width: 100%; border-collapse: collapse; font-size: 15.5px; min-width: 640px; }
table.compare th, table.compare td { padding: 13px 16px; text-align: left; vertical-align: top; }
table.compare thead th {
  background: var(--ink); color: #fff; font-size: 14.5px;
  text-transform: none; letter-spacing: 0;
}
table.compare tbody tr:nth-child(even) { background: #f5f8fb; }
table.compare tbody th { color: var(--ink); }
table.compare td.yes { color: var(--success); font-weight: 700; }
table.compare td.no { color: var(--muted); }

/* option cards (varied, not a uniform grid) */
.option { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.option h3 { font-family: var(--serif); font-size: 22px; margin: 0 0 8px; color: var(--ink); }
.option p { margin: 0 0 10px; color: var(--muted); font-size: 16px; }
.option .tag {
  display: inline-block; font-size: 12.5px; font-weight: 700;
  background: var(--navy); color: #fff; border-radius: 20px; padding: 2px 12px;
  margin-bottom: 10px;
}
.option .tag.gold { background: var(--gold); }
.options-stack { display: grid; gap: 18px; }

/* FAQ */
.faq-list details {
  border: 1px solid var(--line); border-radius: var(--radius);
  background: #fff; margin-bottom: 12px; overflow: hidden;
}
.faq-list summary {
  cursor: pointer; padding: 17px 20px; font-weight: 700; font-size: 17.5px;
  color: var(--ink); list-style: none; position: relative; padding-right: 52px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; position: absolute; right: 18px; top: 14px;
  font-size: 24px; font-weight: 400; color: var(--gold);
}
.faq-list details[open] summary::after { content: "–"; }
.faq-list .faq-a { padding: 0 20px 20px; color: var(--muted); }
.faq-list .faq-a p { margin: 0 0 10px; }
.faq-list .faq-a p:last-child { margin-bottom: 0; }

/* example math box */
.math-box {
  background: var(--ink); color: #eaf0f6; border-radius: 14px;
  padding: 30px 32px; font-size: 16.5px;
}
.math-box h3 { font-family: var(--serif); color: #fff; margin: 0 0 14px; font-size: 24px; }
.math-box ol { margin: 0 0 14px; padding-left: 22px; }
.math-box li { margin-bottom: 8px; }
.math-box li::marker { color: var(--gold); font-weight: 700; }
.math-box .result {
  background: rgba(255, 255, 255, 0.08); border-radius: 8px;
  padding: 14px 18px; margin: 0; color: #fff;
}
.math-box .fine, p.fine { font-size: 13.5px; color: var(--muted); }
.math-box .fine { color: #9fb0c2; }

/* ---------- estimator ---------- */
.est-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 14px; }
.est-fields label { font-size: 13px; font-weight: 700; color: var(--muted); display: block; }
.est-fields input, .est-fields select {
  width: 100%; margin-top: 4px; padding: 9px 11px; font-size: 15.5px;
  border: 1.5px solid var(--line); border-radius: 7px; font-family: var(--sans);
  color: var(--ink); background: #fff;
}
.est-fields input:focus, .est-fields select:focus {
  outline: 2px solid var(--navy); outline-offset: 1px; border-color: var(--navy);
}
.est-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 6px 0 10px; }
.est-grid > div { background: var(--mist); border-radius: 8px; padding: 10px 12px; }
.est-label { display: block; font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; }
.est-value { display: block; font-family: var(--serif); font-size: 21px; font-weight: 700; color: var(--ink); }
.est-strong { color: var(--navy); }
.est-note { font-size: 13.5px; color: var(--muted); margin: 0; }

/* ---------- forms ---------- */
.lead-form { background: #fff; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }
.form-grid .full { grid-column: 1 / -1; }
.form-field label { display: block; font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 5px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 11px 13px; font-size: 16px; font-family: var(--sans);
  border: 1.5px solid var(--line); border-radius: 7px; color: var(--ink); background: #fff;
}
.form-field textarea { min-height: 96px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: 2px solid var(--navy); outline-offset: 1px; border-color: var(--navy);
}
.form-field .field-error { border-color: var(--error); }
.field-msg { font-size: 13.5px; color: var(--error); min-height: 20px; margin-top: 3px; }
.consent-box {
  display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start;
  background: var(--mist); border-radius: 8px; padding: 14px 16px; font-size: 13.5px; color: var(--muted);
}
.consent-box input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--navy); }
.hp { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.form-status { border-radius: 8px; padding: 14px 18px; margin-bottom: 18px; font-size: 15.5px; }
.form-status.success { background: var(--success-bg); border: 1px solid var(--success); color: #123f26; }
.form-status.error { background: var(--error-bg); border: 1px solid var(--error); color: #5c1512; }
.form-status strong { display: inline; }
.form-side { background: var(--mist); border-radius: 14px; padding: 28px; }
.form-side h3 { font-family: var(--serif); color: var(--ink); margin: 0 0 10px; font-size: 23px; }
.form-side ul { margin: 0 0 18px; padding-left: 20px; color: var(--muted); }
.form-side li { margin-bottom: 8px; }
.form-side li::marker { color: var(--gold); }
.call-big { font-family: var(--serif); font-size: 27px; font-weight: 700; }
.call-big a { text-decoration: none; }

/* ---------- page hero (interior) ---------- */
.page-hero { background: var(--mist); border-bottom: 1px solid var(--line); }
.page-hero .wrap { padding-top: 46px; padding-bottom: 40px; }
.breadcrumbs { font-size: 14px; color: var(--muted); margin-bottom: 12px; }
.breadcrumbs a { color: var(--muted); }
.page-hero h1 {
  font-family: var(--serif); font-size: clamp(30px, 4vw, 44px);
  line-height: 1.12; color: var(--ink); margin: 0 0 12px; letter-spacing: -0.01em;
}
.page-hero .lede { max-width: 760px; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy); border-radius: 16px; padding: 40px 44px; color: #fff; }
.cta-band h2 { font-family: var(--serif); font-size: clamp(25px, 3vw, 34px); margin: 0 0 10px; color: #fff; }
.cta-band p { margin: 0 0 22px; color: #d5e2ef; font-size: 18px; max-width: 640px; }
.cta-band .row { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.cta-band .phone-alt { color: #fff; font-weight: 700; }

/* ---------- footer ---------- */
.site-footer { background: var(--ink); color: #b9c7d6; font-size: 15px; }
.footer-grid {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 36px;
  padding: 52px 0 34px;
}
.site-footer h3 { color: #fff; font-size: 16px; margin: 0 0 14px; }
.site-footer a { color: #dbe5f0; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 9px; }
.footer-brand p { margin: 0 0 12px; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, 0.15); padding: 22px 0 30px; font-size: 13.5px; color: #8fa1b5; }
.footer-legal p { margin: 0 0 8px; }

/* disclosure */
.disclosure { border-left: 4px solid var(--gold); background: #fff8ea; padding: 16px 20px; border-radius: 0 8px 8px 0; font-size: 15px; color: var(--text); margin: 24px 0; }

/* check list */
.checks { list-style: none; margin: 0; padding: 0; }
.checks li { padding-left: 32px; position: relative; margin-bottom: 12px; }
.checks li::before {
  content: ""; position: absolute; left: 2px; top: 5px;
  width: 16px; height: 9px;
  border-left: 3px solid var(--success); border-bottom: 3px solid var(--success);
  transform: rotate(-45deg);
}

/* article typography */
.article h2 { font-family: var(--serif); font-size: 29px; color: var(--ink); margin: 44px 0 12px; line-height: 1.25; }
.article h3 { font-size: 21px; color: var(--ink); margin: 30px 0 8px; }
.article p, .article li { color: var(--text); }
.article .toc { background: var(--mist); border-radius: var(--radius); padding: 20px 24px; margin: 24px 0; }
.article .toc strong { color: var(--ink); }
.article .toc ol { margin: 10px 0 0; padding-left: 22px; }
.article .toc li { margin-bottom: 6px; }

/* overflow guards: grid/flex children must shrink below content min-width */
.hero-inner > *, .cols-2 > *, .cols-21 > *, .form-grid > *, .est-fields > * { min-width: 0; }
.est-fields input, .est-fields select,
.form-field input, .form-field select, .form-field textarea { min-width: 0; max-width: 100%; }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 32px; padding: 48px 22px 44px; }
  .cols-2, .cols-21 { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; padding: 10px 22px 16px; gap: 2px;
  }
  .site-nav[data-open="true"] { display: flex; }
  .site-header { position: sticky; }
  .header-inner { position: relative; }
  .nav-toggle { display: block; }
  .header-cta .btn { display: none; }
  .cta-band { padding: 30px 26px; }
}
@media (max-width: 620px) {
  body { font-size: 16px; }
  .form-grid { grid-template-columns: 1fr; }
  .est-fields { grid-template-columns: 1fr 1fr; }
  .est-grid { grid-template-columns: 1fr; }
  .fact-list li { grid-template-columns: 1fr; gap: 4px; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 48px 0; }
  .header-phone { display: none; }
}