:root {
  --paper: #F3F6EF;
  --bar: #E3ECDC;
  --panel: #FFFFFF;
  --ink: #14171A;
  --cost: #7A2620;
  --accent: #A9812F;
  --rule: #B9C6AE;
  --muted: #5F6B57;
  --radius: 6px;
  --serif: 'Fraunces', serif;
  --sans: 'Public Sans', sans-serif;
  --mono: 'JetBrains Mono', ui-monospace, monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  background-color: var(--paper);
  background-image: repeating-linear-gradient(
    to bottom,
    var(--paper) 0px, var(--paper) 27px,
    var(--bar) 27px, var(--bar) 28px
  );
  color: var(--ink);
  font-family: var(--sans);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--cost); text-decoration: none; }
a:hover { text-decoration: underline; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible {
  outline: 2px solid var(--cost);
  outline-offset: 2px;
}

.wordmark {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--ink);
  letter-spacing: -.01em;
}

header.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 32px;
  border-bottom: 1px solid var(--rule);
  background: var(--paper);
}
.nav-links { display: flex; gap: 22px; font-family: var(--mono); font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; }
.nav-links a { color: var(--muted); }
.nav-links a:hover { color: var(--ink); text-decoration: none; }

main { max-width: 1040px; margin: 0 auto; padding: 0 32px; }

/* Hero */
.hero {
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center;
  padding: 60px 0 44px;
}
.hero .eyebrow {
  font-family: var(--mono); font-size: .74rem; text-transform: uppercase; letter-spacing: .08em;
  color: var(--cost); margin: 0 0 16px;
}
.hero h1 {
  font-family: var(--serif); font-size: clamp(2rem, 4vw, 3.1rem); font-weight: 600;
  line-height: 1.08; margin: 0 0 18px; max-width: 720px;
}
.hero p.lead { color: var(--muted); font-size: 1.05rem; max-width: 560px; margin: 0; }

.cross-mark { width: 100%; max-width: 260px; margin: 0 auto; }
.cross-mark svg { display: block; overflow: visible; }
.cross-mark .line { fill: none; stroke-width: 3; stroke-linecap: round; }
.cross-mark .interest { stroke: var(--cost); stroke-dasharray: 260; stroke-dashoffset: 260; animation: drawLine 1.1s ease forwards; }
.cross-mark .principal { stroke: var(--ink); stroke-dasharray: 260; stroke-dashoffset: 260; animation: drawLine 1.1s ease forwards .15s; }
.cross-mark .cross-dot { fill: var(--accent); opacity: 0; animation: dotIn .4s ease forwards 1.15s; }
@keyframes drawLine { to { stroke-dashoffset: 0; } }
@keyframes dotIn { to { opacity: 1; } }

/* Calculator card */
.calc-wrap { padding: 8px 0 72px; display: grid; grid-template-columns: 1fr; gap: 28px; }
.card {
  background: var(--panel); border: 1px solid var(--rule); border-radius: var(--radius);
  padding: 28px; transition: box-shadow .25s ease, transform .25s ease;
}
.card:hover { box-shadow: 0 10px 28px rgba(20, 23, 26, 0.08); transform: translateY(-1px); }
.field-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 18px; margin-bottom: 8px; }
.field label {
  display: block; font-family: var(--mono); font-size: .7rem; text-transform: uppercase;
  letter-spacing: .05em; color: var(--muted); margin-bottom: 8px;
}
.field .input-row {
  display: flex; align-items: center; border-bottom: 1px solid var(--rule); padding-bottom: 6px;
  transition: border-color .2s ease;
}
.field .input-row:focus-within { border-bottom-color: var(--cost); }
.field .input-row span { font-family: var(--mono); color: var(--muted); margin-right: 4px; }
.field input {
  font-family: var(--mono); font-size: 1.15rem; border: none; background: none; outline: none;
  width: 100%; color: var(--ink); padding: 4px 0; font-variant-numeric: tabular-nums;
}

.results { margin-top: 6px; }
.result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0; border-bottom: 1px solid var(--rule); font-family: var(--mono);
}
.result-row .label { font-family: var(--sans); color: var(--muted); font-size: .92rem; }
.result-row .value { font-size: 1.2rem; font-weight: 500; font-variant-numeric: tabular-nums; }
.result-row .value.cost { color: var(--cost); }
.result-row.total { border-bottom: 3px double var(--ink); padding-top: 16px; }
.result-row.total .value { font-size: 1.4rem; }

.badge-stamp {
  display: inline-block; border: 2px solid var(--accent); color: var(--accent);
  padding: 2px 10px; border-radius: 3px; transform: rotate(-2deg); font-weight: 600;
}
.badge-stamp.stamping { animation: stampIn .4s cubic-bezier(.2, 1.6, .4, 1); }
@keyframes stampIn {
  0% { transform: scale(2.4) rotate(-16deg); opacity: 0; }
  55% { transform: scale(.9) rotate(0deg); opacity: 1; }
  100% { transform: scale(1) rotate(-2deg); opacity: 1; }
}

.chart-card { padding: 28px; }
.chart-card h2 { font-family: var(--serif); font-size: 1.2rem; margin: 0 0 4px; font-weight: 600; }
.chart-card p.chart-note { color: var(--muted); font-size: .88rem; margin: 0 0 18px; }
.chart-legend { display: flex; gap: 22px; margin-top: 14px; font-family: var(--mono); font-size: .78rem; }
.chart-legend span { display: inline-flex; align-items: center; gap: 6px; }
.chart-legend .dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.chart-legend .dot.principal { background: var(--ink); }
.chart-legend .dot.interest { background: var(--cost); }

.disclaimer {
  font-family: var(--mono); font-size: .76rem; color: var(--muted); max-width: 640px;
  padding: 18px 0 0;
}

footer { border-top: 1px solid var(--rule); padding: 32px; margin-top: 20px; background: var(--paper); }
.network-links { max-width: 1040px; margin: 0 auto 16px; text-align: center; font-family: var(--mono); font-size: .78rem; color: var(--muted); }
.network-links a { color: var(--muted); text-decoration: underline; }
.network-links a:hover { color: var(--ink); }
footer .foot-inner { max-width: 1040px; margin: 0 auto; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
footer nav { display: flex; gap: 18px; font-family: var(--mono); font-size: .76rem; }
footer p { color: var(--muted); font-size: .76rem; margin: 0; font-family: var(--mono); }

/* Legal pages */
.legal { padding: 52px 0 80px; max-width: 720px; }
.legal h1 { font-family: var(--serif); font-size: 2rem; margin-bottom: 6px; }
.legal .updated { font-family: var(--mono); font-size: .76rem; color: var(--muted); margin-bottom: 36px; }
.legal h2 { font-family: var(--serif); font-size: 1.15rem; margin-top: 34px; }
.legal p, .legal li { color: #2f342c; }
.legal ul { padding-left: 20px; }

/* FAQ accordion */
.faq-item { border-bottom: 1px solid var(--rule); padding: 18px 0; }
.faq-item summary {
  cursor: pointer; font-family: var(--serif); font-weight: 600; font-size: 1.02rem;
  color: var(--ink); list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--mono); font-size: 1.1rem; color: var(--cost); flex-shrink: 0; }
.faq-item[open] summary::after { content: "–"; }
.faq-item p { margin: 12px 0 0; color: #2f342c; }

.contact-card {
  max-width: 480px; padding: 26px; background: var(--panel); border: 1px solid var(--rule);
  border-radius: var(--radius); margin: 24px 0;
}
.contact-card p.kind { font-family: var(--mono); font-size: .7rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); margin: 0 0 6px; }
.mail-btn {
  display: inline-flex; align-items: center; font-family: var(--mono); font-size: .84rem;
  padding: 11px 20px; background: var(--ink); color: var(--paper); border-radius: var(--radius);
  margin-top: 8px;
}
.mail-btn:hover { background: var(--cost); text-decoration: none; }

button.primary {
  font-family: var(--mono); font-size: .8rem; text-transform: uppercase; letter-spacing: .06em;
  padding: 13px 24px; border: 1px solid var(--ink); background: var(--ink); color: var(--paper);
  cursor: pointer; border-radius: var(--radius);
}
button.primary:hover { background: var(--cost); border-color: var(--cost); }

@media (max-width: 760px) {
  header.nav { padding: 18px; }
  main { padding: 0 18px; }
  .card, .chart-card { padding: 20px; }
  .hero { grid-template-columns: 1fr; }
  .cross-mark { max-width: 180px; order: -1; }
}

@media (prefers-reduced-motion: reduce) {
  .cross-mark .line, .cross-mark .cross-dot { animation: none !important; stroke-dashoffset: 0 !important; opacity: 1 !important; }
  .badge-stamp.stamping { animation: none !important; }
  .card { transition: none !important; }
  .chart-card svg path { transition: none !important; }
}