/* HomeBuyerLoanGuide shared styles. Edit tokens here to restyle the whole site. */
:root {
  --bg: #F4F7F5;
  --surface: #FFFFFF;
  --band: #E8EFEB;
  --ink: #12202B;
  --muted: #3B4B57;
  --soft: #4A5A66;
  --line: #CBD6D1;
  --line-soft: #E0E8E4;
  --accent: #0F6B5C;
  --accent-dark: #0A4A40;
  --accent-tint: #D7EBE4;
  --amber: #F6C453;
  --amber-dark: #EDAE2A;
  --night: #12202B;
  --night-text: #C9D6D0;
  --display: 'Bricolage Grotesque', system-ui, sans-serif;
  --body: 'IBM Plex Sans', system-ui, sans-serif;
  --mono: 'IBM Plex Mono', ui-monospace, monospace;
  color-scheme: light;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--body); font-size: 17px; line-height: 1.6; }
img, svg { max-width: 100%; }
a { color: var(--accent); text-underline-offset: 3px; }
a:hover { color: var(--accent-dark); }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
h1, h2, h3 { font-family: var(--display); font-weight: 700; letter-spacing: -0.02em; margin: 0; text-wrap: balance; }
h1 { font-size: clamp(38px, 6vw, 62px); line-height: 1.02; letter-spacing: -0.025em; }
h2 { font-size: clamp(28px, 4.2vw, 40px); line-height: 1.1; }
h3 { font-size: 24px; line-height: 1.2; letter-spacing: -0.01em; }
p { margin: 0; }

.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: 10px 14px; z-index: 10; }
.skip:focus { left: 8px; top: 8px; }

.wrap { max-width: 1200px; margin: 0 auto; padding-inline: 32px; }
@media (max-width: 600px) { .wrap { padding-inline: 20px; } }

/* Header */
.site-header { border-bottom: 1px solid var(--line); }
.nav { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px 32px; padding-block: 18px; }
.brand { display: flex; align-items: center; gap: 10px; font-family: var(--display); font-weight: 700; font-size: 22px; letter-spacing: -0.01em; color: var(--ink); text-decoration: none; }
.brand:hover { color: var(--ink); }
.nav nav { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 26px; font-size: 15px; font-weight: 500; }
.nav nav a { color: var(--ink); text-decoration: none; }
.nav nav a:hover { color: var(--accent); }
.nav nav a[aria-current="page"] { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 6px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: 0 20px; font: inherit; font-weight: 600; font-size: 16px; background: var(--accent); color: #fff !important; border: 0; border-radius: 4px; text-decoration: none !important; cursor: pointer; }
.btn:hover { background: var(--accent-dark); }
.btn-ghost { background: transparent; color: var(--accent) !important; border: 1.5px solid var(--accent); }
.btn-ghost:hover { background: var(--accent-tint); }
.btn-amber { background: var(--amber); color: var(--ink) !important; }
.btn-amber:hover { background: var(--amber-dark); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* Shared type bits */
.eyebrow { font-family: var(--mono); font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent); font-weight: 500; }
.lead { font-size: 19px; color: var(--muted); max-width: 560px; }
.section { padding-block: 72px; }
.section-head { display: flex; flex-direction: column; gap: 12px; max-width: 680px; margin-bottom: 36px; }
.section-head p { color: var(--muted); }
.band { background: var(--band); border-block: 1px solid var(--line); }

/* Hero */
.hero { padding-block: 72px 64px; display: flex; flex-wrap: wrap; gap: 56px; align-items: flex-start; }
.hero-copy { flex: 1 1 480px; min-width: 0; display: flex; flex-direction: column; gap: 24px; }
.hero-aside { flex: 1 1 400px; min-width: 0; max-width: 540px; }

/* Disclosure strip */
.strip { background: var(--night); color: #E6EEEA; font-size: 14px; line-height: 1.5; }
.strip .wrap { padding-block: 16px; }

/* Cards */
.cards { display: flex; flex-wrap: wrap; gap: 24px; }
.card { flex: 1 1 300px; min-width: 0; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; padding: 28px; display: flex; flex-direction: column; gap: 14px; }
.card p { color: var(--muted); }
.card ul { margin: 0; padding-left: 20px; display: flex; flex-direction: column; gap: 6px; font-size: 16px; }
.card .more { margin-top: auto; font-weight: 600; }

/* Break-even example card */
.calc { background: var(--surface); border: 1px solid #B8C7C0; border-radius: 6px; }
.calc-head { padding: 16px 22px; border-bottom: 1px solid var(--line); display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 16px; font-family: var(--mono); font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--soft); }
.calc-body { padding: 20px 22px; display: flex; flex-direction: column; gap: 14px; font-family: var(--mono); font-size: 15px; font-variant-numeric: tabular-nums; }
.calc-row { display: flex; justify-content: space-between; gap: 16px; }
.calc-group { display: flex; flex-direction: column; gap: 4px; }
.calc-group strong { font-family: var(--body); font-size: 14px; }
.calc-rule { height: 1px; background: var(--line-soft); }
.calc-result { background: var(--amber); color: var(--ink); padding: 14px 16px; border-radius: 4px; display: flex; flex-direction: column; gap: 4px; }
.calc-note { padding: 0 22px 20px; font-size: 14px; line-height: 1.5; color: var(--muted); }

/* Tables */
.table-wrap { overflow-x: auto; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; }
table { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 16px; }
th, td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
th { font-family: var(--mono); font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--soft); font-weight: 500; border-bottom: 1px solid var(--line); }
tr:last-child td { border-bottom: 0; }
td.num, th.num { font-family: var(--mono); font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap; }

.badge { display: inline-block; padding: 3px 10px; border-radius: 3px; font-size: 14px; font-weight: 600; white-space: nowrap; }
.badge-live { background: var(--accent-tint); color: var(--accent-dark); }
.badge-soon { background: var(--line-soft); color: var(--soft); }
.badge-member { background: var(--night); color: #fff; }
.badge-book { background: var(--amber); color: var(--ink); }

/* Guide list rows */
.guide-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; }
.guide-list li { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 6px 20px; padding: 16px 20px; border-bottom: 1px solid var(--line-soft); }
.guide-list li:last-child { border-bottom: 0; }
.guide-list .title { font-weight: 600; min-width: 0; }
.guide-list .title a { color: var(--ink); }
.guide-list .title a:hover { color: var(--accent); }
.guide-list .meta { color: var(--soft); font-size: 15px; flex-basis: 100%; }

/* Tiers */
.tier-night { background: var(--night); color: #F4F7F5; border-color: var(--night); }
.tier-night p, .tier-night li { color: #E0E8E4; }
.price { font-family: var(--display); font-weight: 700; font-size: 34px; letter-spacing: -0.02em; }
.tier-label { font-family: var(--mono); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--soft); }
.tier-night .tier-label { color: var(--amber); }

/* About */
.about { display: flex; flex-wrap: wrap; gap: 48px; align-items: flex-start; }
.portrait { flex: 0 1 240px; width: 240px; max-width: 100%; height: auto; aspect-ratio: 1; border-radius: 50%; }
.about-copy { flex: 1 1 420px; min-width: 0; max-width: 700px; display: flex; flex-direction: column; gap: 18px; }
.about-copy p { color: var(--muted); }
.factbox { font-family: var(--mono); font-size: 14px; line-height: 1.7; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; padding: 16px 18px; }

/* Articles and long pages */
.article { max-width: 720px; margin: 0 auto; padding-block: 56px 72px; }
.article > * + * { margin-top: 1.1em; }
.article h1 { font-size: clamp(34px, 5vw, 50px); }
.article h2 { margin-top: 2.2em; font-size: clamp(26px, 3.6vw, 34px); }
.article h3 { margin-top: 1.8em; font-size: 22px; }
.article p, .article li { color: var(--ink); }
.article ul, .article ol { padding-left: 22px; display: flex; flex-direction: column; gap: 8px; }
.byline { font-size: 15px; color: var(--soft); }
.answer { background: var(--accent-tint); border: 1px solid #A9CFC3; border-radius: 6px; padding: 18px 20px; }
.answer strong { color: var(--accent-dark); }
.note { background: var(--surface); border: 1px solid var(--line); border-radius: 6px; padding: 16px 18px; font-size: 15px; color: var(--muted); }
.formula { font-family: var(--mono); font-size: 16px; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; padding: 14px 18px; overflow-x: auto; }
.sources { font-size: 15px; }
.sources li { color: var(--muted); }
.disclosure-inline { font-size: 14px; color: var(--soft); border-top: 1px solid var(--line); padding-top: 16px; }

/* Checklist */
.checklist { list-style: none; padding-left: 0 !important; gap: 4px !important; }
.checklist li label { display: flex; gap: 12px; align-items: flex-start; padding: 8px 4px; cursor: pointer; }
.checklist input[type="checkbox"] { width: 22px; height: 22px; margin-top: 3px; flex: 0 0 22px; accent-color: var(--accent); }

/* Forms */
.signup { display: flex; flex-direction: column; gap: 12px; max-width: 520px; }
.signup label { font-size: 14px; font-weight: 600; }
.signup .row { display: flex; flex-wrap: wrap; gap: 10px; }
.signup input[type="email"], .signup select { flex: 1 1 240px; min-width: 0; min-height: 48px; padding: 0 14px; font: inherit; font-size: 16px; border: 1px solid #8FA19A; border-radius: 4px; background: #fff; color: var(--ink); }
.form-note { font-size: 14px; color: var(--soft); }

/* Footer */
.site-footer { background: var(--night); color: var(--night-text); font-size: 14px; line-height: 1.6; padding-block: 48px; }
.site-footer a { color: var(--night-text); }
.site-footer .wrap { display: flex; flex-direction: column; gap: 22px; }
.footer-top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 20px 40px; }
.footer-brand { font-family: var(--display); font-weight: 700; font-size: 20px; color: #fff; }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 24px; }
.footer-rule { border: 0; height: 1px; background: #2B3C48; margin: 0; width: 100%; }
.site-footer p { max-width: 820px; }

@media print {
  .site-header, .site-footer, .skip, .strip, .no-print { display: none !important; }
  body { background: #fff; font-size: 12pt; }
  .article { padding-block: 0; }
  a { color: inherit; }
}