:root {
  --bg: #0f1720;
  --panel: #18222e;
  --panel-2: #1f2d3d;
  --line: #2b3a4d;
  --text: #eef3f8;
  --muted: #9fb1c4;
  --accent: #2fd09a;
  --accent-2: #4aa8ff;
  --bad: #ff6b6b;
  --radius: 14px;
  --maxw: 960px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.5;
}
a { color: var(--accent-2); }

/* header / nav */
.site-header {
  border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, #142030, #0f1720);
}
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 18px; }
.bar { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 14px 0; flex-wrap: wrap; }
.brand { font-size: 1.25rem; font-weight: 800; letter-spacing: -0.02em; color: var(--text); text-decoration: none; }
.brand b { color: var(--accent); }
.nav { display: flex; gap: 6px; flex-wrap: wrap; }
.nav a {
  font-size: 0.82rem; color: var(--muted); text-decoration: none;
  padding: 6px 10px; border-radius: 999px; border: 1px solid transparent;
}
.nav a:hover { color: var(--text); border-color: var(--line); }
.nav a.active { color: var(--text); background: var(--panel-2); border-color: var(--line); }

/* hero / headings */
main { padding: 26px 0 60px; }
h1 { font-size: 1.7rem; line-height: 1.2; margin: 0 0 6px; letter-spacing: -0.02em; }
.sub { color: var(--muted); margin: 0 0 22px; max-width: 60ch; }
h2 { font-size: 1.25rem; margin: 34px 0 10px; }
h3 { font-size: 1.02rem; margin: 18px 0 6px; }

/* calculator card */
.calc { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 720px) { .calc { grid-template-columns: 1fr 1fr; align-items: start; } }
.card {
  background: var(--panel); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 18px;
}
.card h2 { margin: 0 0 14px; font-size: 1.05rem; }

.field { margin-bottom: 14px; }
.field label { display: block; font-size: 0.85rem; color: var(--muted); margin-bottom: 5px; }
.field input, .field select {
  width: 100%; padding: 11px 12px; font-size: 1rem;
  color: var(--text); background: var(--panel-2);
  border: 1px solid var(--line); border-radius: 10px;
  -webkit-appearance: none; appearance: none;
}
.field input:focus, .field select:focus { outline: 2px solid var(--accent-2); outline-offset: 1px; }
.field .hint { font-size: 0.74rem; color: var(--muted); margin-top: 4px; }

/* results */
.result-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 12px;
  padding: 10px 0; border-bottom: 1px dashed var(--line);
}
.result-row:last-child { border-bottom: none; }
.result-row span { color: var(--muted); font-size: 0.9rem; }
.result-row b { font-size: 1.05rem; font-variant-numeric: tabular-nums; }
.result-row.hero { padding: 6px 0 14px; }
.result-row.hero span { color: var(--text); font-weight: 600; }
.result-row.hero b { font-size: 1.7rem; color: var(--accent); }
.result-bad { text-align: center; padding: 14px 0; }
.result-bad .big { display: block; font-size: 1.4rem; font-weight: 800; color: var(--bad); margin-bottom: 6px; }
.note { font-size: 0.78rem; color: var(--muted); margin: 12px 0 0; }

.share-btn {
  margin-top: 16px; width: 100%; padding: 12px; font-size: 0.95rem; font-weight: 700;
  color: #06231a; background: var(--accent); border: none; border-radius: 10px; cursor: pointer;
}
.share-btn:hover { filter: brightness(1.05); }

/* ad slot */
#ad-slot:empty { display: none; }
#ad-slot {
  margin: 26px 0; min-height: 90px; display: flex; align-items: center; justify-content: center;
  border: 1px dashed var(--line); border-radius: var(--radius);
  color: var(--muted); font-size: 0.78rem; background: var(--panel);
}

/* content / FAQ */
.content { max-width: 70ch; }
.content p, .content li { color: #d4dee9; }
details {
  border: 1px solid var(--line); border-radius: 10px; padding: 0 14px; margin-bottom: 8px; background: var(--panel);
}
details summary { cursor: pointer; padding: 12px 0; font-weight: 600; list-style: none; }
details summary::-webkit-details-marker { display: none; }
details summary::after { content: "+"; float: right; color: var(--accent); font-weight: 700; }
details[open] summary::after { content: "−"; }
details .a { padding: 0 0 14px; color: #c7d3df; }

/* tool cards on hub */
.tools { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 18px 0; }
@media (min-width: 900px) { .tools { grid-template-columns: repeat(4, 1fr); gap: 14px; } }
.tool {
  display: block; text-decoration: none; color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.14); border-radius: var(--radius);
  padding: 13px; transition: transform .15s, box-shadow .15s, filter .15s;
}
@media (min-width: 900px) { .tool { padding: 18px; } }
.tools .tool:nth-child(1) { background: linear-gradient(160deg, #1f9c7e, #126b54); } /* home equity — teal */
.tools .tool:nth-child(2) { background: linear-gradient(160deg, #3f7fe0, #2350a8); } /* reverse mortgage — blue */
.tools .tool:nth-child(3) { background: linear-gradient(160deg, #8a5cf0, #5f34bd); } /* cash-out refi — violet */
.tools .tool:nth-child(4) { background: linear-gradient(160deg, #e08a3c, #b5641d); } /* heloc — amber */
.tool:hover { transform: translateY(-2px); filter: brightness(1.07); box-shadow: 0 10px 24px -12px rgba(0, 0, 0, 0.6); }
.tool h3 { margin: 0 0 4px; color: #fff; font-size: 0.92rem; }
.tool p { margin: 0; color: rgba(255, 255, 255, 0.88); font-size: 0.78rem; line-height: 1.35; }
@media (min-width: 900px) { .tool h3 { font-size: 1.02rem; } .tool p { font-size: 0.88rem; } }
.free-tag {
  display: inline-block; margin-top: 9px;
  font-size: 0.58rem; font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase;
  color: #fff; background: rgba(255, 255, 255, 0.22); padding: 2px 8px; border-radius: 999px;
}
.tool-foot { display: flex; align-items: center; justify-content: space-between; gap: 8px; margin-top: 11px; }
.tool-foot .free-tag { margin-top: 0; }
.tool-cta { font-size: 0.8rem; font-weight: 800; color: #fff; white-space: nowrap; }

/* premium promo banner on the hub */
.promo {
  display: flex; flex-wrap: wrap; gap: 16px; justify-content: space-between; align-items: center;
  margin: 4px 0 24px; padding: 18px; text-decoration: none; color: var(--text);
  background: linear-gradient(160deg, #1b2a3a, #132132); border: 1px solid var(--accent); border-radius: var(--radius);
  transition: filter .15s, transform .15s;
}
.promo:hover { filter: brightness(1.07); transform: translateY(-2px); }
.promo-main { flex: 1 1 320px; }
.promo-main h3 { margin: 8px 0 4px; color: var(--text); }
.promo-main p { margin: 0; color: var(--muted); font-size: 0.88rem; max-width: 54ch; }
.promo-plans { flex: 1 1 300px; margin: 0; }

/* premium */
.hidden { display: none !important; }
.card.premium { border-color: var(--accent); }
.badge {
  display: inline-block; vertical-align: middle; margin-left: 8px;
  font-size: 0.62rem; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase;
  color: #06231a; background: var(--accent); padding: 3px 8px; border-radius: 999px;
}
.pr-bad { color: var(--bad) !important; }
#pr-result:empty { display: none; }
.pr-status { margin: 0 0 12px; font-weight: 700; color: var(--accent); font-size: 0.9rem; }
.plans { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 14px 0 6px; }
@media (min-width: 520px) { .plans { grid-template-columns: 1fr 1fr 1fr; } }
.plan-btn {
  position: relative; display: flex; flex-direction: column; align-items: center; gap: 2px;
  padding: 14px 10px; cursor: pointer; color: var(--text);
  background: var(--panel-2); border: 1px solid var(--line); border-radius: 12px;
  transition: border-color .15s, transform .15s;
}
.plan-btn:hover { border-color: var(--accent); transform: translateY(-2px); }
.plan-btn.best { border-color: var(--accent); background: linear-gradient(160deg, #14584a, #102e2a); }
.plan-price { font-size: 1.25rem; font-weight: 800; }
.plan-price small { font-size: 0.7rem; font-weight: 600; color: var(--muted); }
.plan-desc { font-size: 0.75rem; color: var(--muted); }
.plan-tag {
  position: absolute; top: -9px; left: 50%; transform: translateX(-50%);
  font-size: 0.6rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em;
  color: #06231a; background: var(--accent); padding: 2px 8px; border-radius: 999px; white-space: nowrap;
}
.compare { margin-top: 10px; font-style: italic; }

/* breadcrumbs */
.crumbs { font-size: 0.78rem; color: var(--muted); margin: 0 0 14px; }
.crumbs a { color: var(--accent-2); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

/* answer-first definition box (snippet/AI bait) */
.answer { background: var(--panel); border-left: 3px solid var(--accent); border-radius: 8px;
  padding: 12px 16px; margin: 0 0 18px; color: #d4dee9; font-size: 0.95rem; }
.answer strong { color: var(--text); }

/* reviewed-by / last-updated byline (E-E-A-T) */
.byline { font-size: 0.76rem; color: var(--muted); margin: 0 0 18px; }
.byline a { color: var(--accent-2); }

/* comparison table (AI-citation magnet) */
.compare-table { width: 100%; border-collapse: collapse; margin: 14px 0 22px; font-size: 0.86rem; }
.compare-table th, .compare-table td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare-table thead th { color: var(--text); border-bottom: 2px solid var(--line); }
.compare-table td { color: #d4dee9; }
.compare-table a { color: var(--accent-2); text-decoration: none; font-weight: 600; }
.compare-table tr:last-child td { border-bottom: none; }
@media (max-width: 560px) { .compare-table { font-size: 0.8rem; } .compare-table th, .compare-table td { padding: 8px 8px; } }

/* related calculators block */
.related { margin: 26px 0 0; }
.related h2 { margin-bottom: 10px; }
.related-links { display: flex; flex-wrap: wrap; gap: 8px; }
.related-links a { font-size: 0.82rem; color: var(--text); text-decoration: none;
  padding: 7px 12px; border-radius: 999px; border: 1px solid var(--line); background: var(--panel); }
.related-links a:hover { border-color: var(--accent); }

/* lender lists under estimators */
.lenders { margin: 26px 0 0; }
.lenders h2 { font-size: 1.1rem; margin-bottom: 6px; }
.lender-list { list-style: none; padding: 0; margin: 12px 0 0; display: grid; gap: 8px; }
.lender-list li { background: var(--panel); border: 1px solid var(--line); border-radius: 10px; padding: 11px 14px; font-size: 0.9rem; color: #d4dee9; }
.lender-list a { font-weight: 700; color: var(--accent-2); text-decoration: none; }
.lender-list a:hover { text-decoration: underline; }
.lender-list .why { color: var(--muted); }

/* premium card stacks under the results card in the right column */
.calc-right { display: grid; gap: 16px; align-content: start; }

/* blog hub */
.post-list { display: grid; gap: 14px; margin: 18px 0 8px; }
.post-card { display: block; text-decoration: none; color: var(--text); background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; transition: border-color .15s, transform .15s; }
.post-card:hover { border-color: var(--accent); transform: translateY(-2px); }
.post-card h2 { margin: 0 0 6px; font-size: 1.08rem; color: var(--text); }
.post-card p { margin: 0; color: var(--muted); font-size: 0.9rem; }
.post-card .tag { display: inline-block; margin-top: 10px; font-size: 0.64rem; font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase; color: var(--accent); }

/* blog post body */
.post { max-width: 72ch; }
.post h2 { margin-top: 30px; }
.post h3 { margin-top: 20px; font-size: 1.0rem; }
.post p, .post li { color: #d4dee9; }
.post ul, .post ol { padding-left: 22px; }
.post li { margin-bottom: 7px; }
.post .takeaways { background: var(--panel); border: 1px solid var(--line); border-radius: 10px; padding: 14px 18px 14px 38px; margin: 0 0 22px; }
.post .pros-cons { display: grid; gap: 16px; margin: 6px 0 12px; }
@media (min-width: 680px) { .post .pros-cons { grid-template-columns: 1fr 1fr; } }
.post .pc { border: 1px solid var(--line); border-radius: 12px; padding: 4px 18px 14px; background: var(--panel); }
.post .pc.pro { border-color: rgba(47,208,154,0.5); }
.post .pc.con { border-color: rgba(255,107,107,0.45); }
.post .pc h3 { color: var(--text); }

/* footer */
.site-footer { border-top: 1px solid var(--line); padding: 22px 0 40px; color: var(--muted); font-size: 0.82rem; }
.site-footer a { color: var(--muted); margin-right: 14px; }
.site-footer .disclaimer { margin-top: 12px; max-width: 80ch; line-height: 1.45; }

/* formula callout (added 2026-05-23, audit phase) */
.formula{background:#0f1720;color:#eef3f8;border:1px solid #2a3a4a;border-left:3px solid #2fd09a;border-radius:8px;padding:12px 14px;margin:12px 0;font-size:.96rem;line-height:1.5}