:root {
  /* Brand — Navy + Gold (matches sales.css) */
  --navy:        #1E293B;
  --navy-dark:   #0F172A;
  --gold:        #F59E0B;
  --gold-dark:   #D97706;
  --gold-soft:   #FCD34D;
  --gold-tint:   #FEF3C7;

  /* Legacy alias names — kept so existing rules keep working */
  --tk-red:      var(--navy);
  --tk-red-dark: var(--navy-dark);
  --tk-red-tint: #FFFBEB;
  --tk-black:    var(--navy-dark);

  /* Text */
  --ink:        #1A1A1A;
  --ink-soft:   #4A4A4A;
  --ink-mute:   #7A7A7A;

  /* Surfaces */
  --line:       #E5E5E5;
  --line-soft:  #F0F0F1;
  --bg:         #FFFBEB;       /* warm cream */
  --card:       #FFFFFF;

  /* State */
  --good:       #2E7D32;
  --good-tint:  #E6F4EA;

  /* Elevation */
  --shadow:     0 1px 2px rgba(0,0,0,.04), 0 8px 24px rgba(0,0,0,.06);
  --radius:     14px;
  --font:       -apple-system, BlinkMacSystemFont, "Inter", "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }

/* Make [hidden] always actually hide — our `label { display: block }` rule
   was overriding the user-agent default and leaving hidden labels visible. */
[hidden] { display: none !important; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.45;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--tk-red); text-decoration: none; }
a:hover { text-decoration: underline; }

/* Keyboard focus visibility (WCAG 2.4.7) */
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

/* ---------- header ---------- */
.site-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 32px; background: #fff; border-bottom: 1px solid var(--line);
  gap: 16px; flex-wrap: wrap;
}
.brand img { display: block; height: 56px; width: auto; }
.brand { display: flex; flex-direction: column; gap: 2px; line-height: 1.2; }
.brand-title { font-weight: 700; font-size: 18px; color: var(--ink); letter-spacing: -0.01em; }
.brand-sub { font-size: 12px; color: var(--ink-mute); }

.header-actions {
  display: flex; gap: 8px; align-items: center; flex-wrap: wrap;
}
.header-cta {
  display: inline-block;
  padding: 9px 16px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  border: 1px solid var(--tk-black);
  color: var(--tk-black);
  background: #fff;
  transition: background .15s ease, color .15s ease, border-color .15s ease;
  white-space: nowrap;
}
.header-cta:hover {
  background: var(--tk-black); color: #fff;
  text-decoration: none;
}
.header-cta.primary {
  background: var(--tk-red); color: #fff; border-color: var(--tk-red);
}
.header-cta.primary:hover {
  background: var(--tk-red-dark); border-color: var(--tk-red-dark);
}

@media (max-width: 700px) {
  .site-header { padding: 14px 18px; }
  .header-actions { gap: 6px; width: 100%; justify-content: flex-start; }
  .header-cta { padding: 8px 12px; font-size: 12px; }
}

/* ---------- calculator tabs ---------- */
.calc-tabs {
  display: flex;
  justify-content: center;
  gap: 4px;
  padding: 12px 24px 0;
  border-bottom: 1px solid var(--line);
  background: #fff;
}
.calc-tab {
  padding: 12px 22px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-soft);
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
  transition: color .15s ease, border-color .15s ease;
}
.calc-tab:hover {
  color: var(--tk-red);
  text-decoration: none;
}
.calc-tab.active {
  color: var(--tk-black);
  border-bottom-color: var(--tk-red);
}
@media (max-width: 500px) {
  .calc-tab { padding: 10px 14px; font-size: 13px; }
}

/* Payoff: side-by-side time inputs (years / months) */
.time-pair { display: flex; gap: 6px; margin-top: 6px; }
.time-pair .suffix { flex: 1; margin-top: 0; }
.time-pair .suffix input { width: 100%; }

/* Payoff: info text inside fieldset (bi-weekly explainer) */
.info-text {
  background: #FAFAFB;
  border: 1px dashed var(--line);
  border-radius: 10px;
  padding: 14px 16px;
  margin-top: 10px;
  font-size: 14px;
  color: var(--ink-soft);
  line-height: 1.5;
}
.info-text strong { color: var(--tk-black); }

/* ---------- hero ---------- */
main { max-width: 1240px; margin: 0 auto; padding: 32px 24px 64px; }
.hero { text-align: center; margin: 12px 0 28px; }
.hero h1 { font-size: 40px; margin: 0 0 10px; letter-spacing: -0.02em; color: var(--tk-black); }
.hero .lede { font-size: 17px; color: var(--ink-soft); max-width: 680px; margin: 0 auto; }

/* ---------- cards ---------- */
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
  margin-bottom: 22px;
}

/* ---------- form ---------- */
fieldset { border: none; padding: 0; margin: 0 0 18px; }
fieldset legend {
  font-size: 13px; text-transform: uppercase; letter-spacing: .08em;
  color: var(--tk-red); font-weight: 700; margin-bottom: 12px;
}
label { display: block; font-size: 13px; color: var(--ink-soft); font-weight: 500; }
label > input, label > select, .prefix, .suffix {
  margin-top: 6px;
  display: flex; align-items: center; gap: 6px;
  width: 100%;
  border: 1px solid var(--line); border-radius: 10px;
  background: #fff;
  padding: 10px 12px;
  font-size: 15px; color: var(--ink);
  font-family: var(--font);
}
label > input:focus, label > select:focus, .prefix:focus-within, .suffix:focus-within {
  outline: none; border-color: var(--tk-red); box-shadow: 0 0 0 3px rgba(226,35,26,.12);
}
.prefix input, .suffix input {
  border: none; outline: none; flex: 1; font-size: 15px; padding: 0;
  background: transparent; color: var(--ink); font-family: var(--font);
}
.prefix { color: var(--ink-soft); }
.suffix { justify-content: space-between; }
select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, #888 50%), linear-gradient(135deg, #888 50%, transparent 50%); background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%; background-size: 5px 5px, 5px 5px; background-repeat: no-repeat; padding-right: 32px; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 6px; }
.grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; margin-top: 6px; }
.grid-4 { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr; gap: 12px; margin-top: 6px; }
@media (max-width: 700px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Small instructional hint under a field */
.field-hint {
  display: block;
  margin-top: 6px;
  font-size: 11px;
  color: var(--ink-mute);
  font-style: italic;
  line-height: 1.4;
}

/* Inline label row: label text + a small hint right next to it */
.label-row {
  display: inline-flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 6px;
}
.label-row .inline-hint {
  font-size: 11px;
  color: var(--ink-mute);
  font-style: italic;
  font-weight: 400;
}

/* Locked/disabled inputs (informational only) */
label.locked > input[disabled],
label.locked > select[disabled] {
  background: #F1F1F2;
  color: var(--ink-mute);
  cursor: not-allowed;
  border-color: var(--line);
}
label.locked > input[disabled]:focus {
  box-shadow: none; border-color: var(--line);
}

/* Down payment $ + % paired input */
.dp-pair { display: flex; gap: 6px; margin-top: 6px; }
.dp-pair .prefix { flex: 1; margin-top: 0; }
.dp-pair .dp-pct { width: 92px; margin-top: 0; flex-shrink: 0; }
.dp-pair .dp-pct input { width: 100%; }

/* Read-only loan amount display in purchase scenario cards */
.loan-display .loan-display-box {
  margin-top: 6px;
  display: flex; flex-direction: column;
  border: 1px dashed var(--line);
  border-radius: 10px;
  background: #FAFAFB;
  padding: 10px 12px;
  min-height: 42px;
  justify-content: center;
}
.loan-display .loan-display-amount {
  font-size: 16px; font-weight: 700; color: var(--tk-black);
  font-variant-numeric: tabular-nums;
}
.loan-display .loan-display-hint {
  font-size: 11px; color: var(--ink-mute); margin-top: 2px;
}

/* toggle */
.toggle { display: inline-flex; background: #F1F1F2; padding: 4px; border-radius: 10px; margin-bottom: 14px; }
.toggle input { display: none; }
.toggle label { padding: 8px 18px; cursor: pointer; border-radius: 8px; font-weight: 600; color: var(--ink-soft); font-size: 14px; margin-top: 0; }
.toggle input:checked + label { background: var(--tk-black); color: #fff; }

/* ---------- scenarios ---------- */
.scenarios { margin: 8px 0 22px; }
.scenarios-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 14px; gap: 16px; flex-wrap: wrap;
}
.scenarios-header h2 { font-size: 22px; margin: 0; color: var(--tk-black); letter-spacing: -0.01em; }
.scenarios-header .sub { font-size: 13px; color: var(--ink-soft); margin: 2px 0 0; }
.scenario-actions { display: flex; gap: 10px; }
.scenario-actions button {
  background: var(--card); color: var(--tk-black);
  border: 1px solid var(--line); border-radius: 10px;
  padding: 9px 16px; font-size: 14px; font-weight: 600;
  cursor: pointer; font-family: var(--font);
  transition: all .15s ease;
}
.scenario-actions button:hover { border-color: var(--tk-red); color: var(--tk-red); }
.scenario-actions button:disabled { opacity: .4; cursor: not-allowed; }
.scenario-actions .print-btn { background: var(--tk-black); color: #fff; border-color: var(--tk-black); }
.scenario-actions .print-btn:hover { background: var(--tk-red); border-color: var(--tk-red); color: #fff; }

.scenario-cards {
  display: grid; gap: 14px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}
.scenario-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: var(--shadow);
  position: relative;
}
.scenario-head {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 10px;
}
.scenario-head h3 {
  margin: 0; font-size: 16px; color: var(--tk-black);
  text-transform: uppercase; letter-spacing: .04em;
}
.remove-scenario {
  background: transparent; border: none;
  font-size: 22px; line-height: 1;
  color: var(--ink-mute); cursor: pointer;
  padding: 0 4px;
}
.remove-scenario:hover { color: var(--tk-red); }

/* ---------- results / comparison table ---------- */
.results { padding: 0; overflow: hidden; }
.results-header {
  padding: 22px 24px 18px;
  border-bottom: 1px solid var(--line);
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.results-header h2 { margin: 0; font-size: 22px; color: var(--tk-black); }
.results-header .sub { margin: 2px 0 0; color: var(--ink-soft); font-size: 14px; }

/* ---------- Save / Share / My deals toolbar ---------- */
.results-toolbar { display: flex; gap: 8px; flex-wrap: wrap; }
.deal-btn {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 12px;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  font-family: inherit;
  transition: border-color .15s ease, background .15s ease;
}
.deal-btn:hover { border-color: var(--gold); background: var(--gold-tint); }

/* ---------- shared-estimate banner ---------- */
.shared-banner {
  background: var(--gold-tint);
  border: 1px solid var(--gold);
  color: var(--navy);
  border-radius: 10px;
  padding: 12px 18px;
  margin: 16px auto 0;
  max-width: 1100px;
  font-size: 14px;
}

/* ---------- toast ---------- */
.cm-toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: var(--navy);
  color: #fff;
  padding: 12px 20px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  box-shadow: 0 8px 24px rgba(15,23,42,.3);
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s ease, transform .2s ease;
  z-index: 200;
}
.cm-toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ---------- My Deals modal ---------- */
.deals-modal {
  position: fixed; inset: 0; z-index: 120;
  background: rgba(15,23,42,.6);
  display: flex; align-items: center; justify-content: center;
  padding: 24px; backdrop-filter: blur(6px);
}
.deals-modal[hidden] { display: none; }
.deals-modal-inner {
  position: relative; background: #fff; border-radius: 20px;
  padding: 32px 28px 24px; max-width: 520px; width: 100%;
  max-height: 80vh; overflow-y: auto;
  box-shadow: 0 24px 48px rgba(15,23,42,.28);
}
.deals-close {
  position: absolute; top: 14px; right: 16px;
  border: none; background: transparent; font-size: 26px; line-height: 1;
  color: #94A3B8; cursor: pointer; padding: 4px 10px; border-radius: 8px;
}
.deals-close:hover { background: #F1F5F9; color: var(--navy); }
.deals-modal-inner h2 { margin: 0 0 6px; font-size: 22px; color: var(--navy); }
.deals-help { font-size: 13px; color: var(--ink-mute); margin: 0 0 18px; }
.deals-empty { font-size: 14px; color: var(--ink-mute); text-align: center; padding: 24px 0; }
.deal-item {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 8px;
}
.deal-item:hover { border-color: var(--gold); }
.deal-label { font-weight: 700; font-size: 14px; color: var(--navy); }
.deal-meta { font-size: 12px; color: var(--ink-mute); margin-top: 2px; }
.deal-actions { display: flex; gap: 6px; align-items: center; }
.deal-actions button {
  border: 1px solid var(--line); background: #fff; border-radius: 7px;
  padding: 6px 10px; font-size: 12px; font-weight: 600; cursor: pointer;
  color: var(--navy); font-family: inherit;
}
.deal-actions button:hover { border-color: var(--gold); background: var(--gold-tint); }
.deal-actions .deal-del { color: #B91C1C; padding: 6px 9px; font-size: 16px; line-height: 1; }
.deal-actions .deal-del:hover { background: #FEE2E2; border-color: #FCA5A5; }

/* ---------- Freddie Mac rate reference strip ---------- */
.rate-reference { margin: 0 0 16px; }
.rate-reference[hidden] { display: none; }
.rate-ref-inner {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--gold-tint);
  border: 1px solid var(--gold-soft);
  border-radius: 10px;
  padding: 11px 16px;
  flex-wrap: wrap;
}
.rate-ref-icon { font-size: 18px; flex-shrink: 0; }
.rate-ref-text { font-size: 13px; color: var(--ink-soft); flex: 1; min-width: 220px; line-height: 1.5; }
.rate-ref-text strong { color: var(--navy); }
.rate-ref-text b { color: var(--navy); }
.rate-ref-note { display: block; font-size: 11.5px; color: var(--ink-mute); margin-top: 2px; }
.rate-ref-cta {
  background: var(--navy);
  color: #fff;
  border: none;
  border-radius: 999px;
  padding: 9px 16px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  font-family: inherit;
  flex-shrink: 0;
  transition: background .15s ease;
}
.rate-ref-cta:hover { background: var(--gold); color: var(--navy); }

/* ---------- Connect-with-a-loan-officer CTA ---------- */
.connect-cta {
  max-width: 1100px;
  margin: 20px auto 0;
  padding: 0 24px;
}
.connect-cta-inner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  border-radius: var(--radius);
  padding: 26px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.connect-cta-copy h3 { margin: 0 0 6px; color: #fff; font-size: 19px; }
.connect-cta-copy p { margin: 0; color: rgba(255,255,255,.82); font-size: 14px; max-width: 560px; line-height: 1.5; }
.connect-cta-btn {
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 999px;
  padding: 14px 26px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
  font-family: inherit;
  transition: background .15s ease, transform .15s ease;
}
.connect-cta-btn:hover { background: var(--gold-dark); transform: translateY(-1px); }

/* ---------- Connect modal ---------- */
.connect-modal {
  position: fixed; inset: 0; z-index: 130;
  background: rgba(15,23,42,.6);
  display: flex; align-items: center; justify-content: center;
  padding: 24px; backdrop-filter: blur(6px);
}
.connect-modal[hidden] { display: none; }
.connect-modal-inner {
  position: relative; background: #fff; border-radius: 20px;
  padding: 34px 30px 26px; max-width: 480px; width: 100%;
  max-height: 88vh; overflow-y: auto;
  box-shadow: 0 24px 48px rgba(15,23,42,.28);
}
.connect-close {
  position: absolute; top: 14px; right: 16px;
  border: none; background: transparent; font-size: 26px; line-height: 1;
  color: #94A3B8; cursor: pointer; padding: 4px 10px; border-radius: 8px;
}
.connect-close:hover { background: #F1F5F9; color: var(--navy); }
.connect-modal-inner h2 { margin: 0 0 6px; font-size: 23px; color: var(--navy); }
.connect-sub { font-size: 14px; color: var(--ink-soft); margin: 0 0 4px; }
.connect-context { font-size: 12.5px; color: var(--gold-dark); margin: 0 0 18px; min-height: 0; }
.connect-form { display: block; }
.connect-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 460px) { .connect-row { grid-template-columns: 1fr; } }
.connect-label {
  display: block; font-size: 12.5px; font-weight: 600; color: #334155; margin-bottom: 12px;
}
.connect-label .opt { font-weight: 400; color: var(--ink-mute); }
.connect-label input, .connect-label select {
  width: 100%; padding: 11px 13px; font-size: 14px; border: 1px solid #CBD5E1;
  border-radius: 9px; margin-top: 5px; font-family: inherit; background: #fff; color: var(--ink);
}
.connect-label input:focus, .connect-label select:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(30,41,59,.15);
}
.connect-check {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 12.5px; color: #334155; margin: 4px 0 12px; line-height: 1.45; cursor: pointer;
}
.connect-check input { margin-top: 2px; flex-shrink: 0; }
.connect-check .opt { color: var(--ink-mute); }
.connect-submit {
  width: 100%; padding: 13px 16px; border-radius: 10px; font-size: 15px; font-weight: 700;
  background: var(--gold); color: var(--navy); border: none; cursor: pointer; font-family: inherit;
  margin-top: 4px; transition: background .15s ease;
}
.connect-submit:hover { background: var(--gold-dark); }
.connect-submit:disabled { background: #94A3B8; cursor: wait; }
.connect-message { margin: 12px 0 0; font-size: 13.5px; color: #B91C1C; min-height: 18px; }
.connect-message.success { color: var(--good); }
.connect-fine { margin: 16px 0 0; font-size: 11px; color: var(--ink-mute); line-height: 1.5; }
.connect-fine a { color: var(--navy); }

.comparison { overflow-x: auto; }
table.cmp { width: 100%; border-collapse: collapse; font-size: 14px; }
table.cmp th, table.cmp td {
  padding: 10px 16px; text-align: left; vertical-align: middle;
}
table.cmp thead th {
  background: var(--line-soft);
  font-size: 12px; text-transform: uppercase; letter-spacing: .06em;
  color: var(--ink-soft); font-weight: 700;
  border-bottom: 1px solid var(--line);
}
table.cmp thead .col-head { color: var(--tk-black); font-size: 14px; }
table.cmp thead .col-meta { font-size: 11px; font-weight: 500; text-transform: none; letter-spacing: 0; color: var(--ink-mute); padding-top: 0; padding-bottom: 14px; }

table.cmp tbody th {
  font-weight: 500; color: var(--ink-soft); font-size: 14px;
  white-space: normal; min-width: 220px;
}
table.cmp tbody td {
  text-align: right; font-variant-numeric: tabular-nums;
  color: var(--ink); white-space: nowrap;
}
table.cmp tbody tr { border-top: 1px solid var(--line-soft); }
table.cmp tbody tr.section-header th {
  background: var(--tk-black); color: #fff;
  font-size: 12px; text-transform: uppercase; letter-spacing: .08em;
  font-weight: 700;
  padding: 10px 16px;
}
table.cmp tbody tr.row-sub-total {
  background: #FAFAFB;
}
table.cmp tbody tr.row-sub-total th,
table.cmp tbody tr.row-sub-total td {
  font-weight: 700; color: var(--tk-black);
}
table.cmp tbody tr.row-headline th,
table.cmp tbody tr.row-headline td {
  font-size: 18px; padding: 18px 16px; font-weight: 700; color: var(--tk-black);
  background: var(--tk-red-tint);
}
table.cmp tbody tr.row-headline th { color: var(--tk-black); text-transform: uppercase; letter-spacing: .04em; font-size: 14px; }
table.cmp tbody tr.row-headline .badge {
  display: inline-block; margin-left: 8px;
  font-size: 10px; padding: 3px 6px; border-radius: 4px;
  background: var(--tk-black); color: #fff; font-weight: 600;
  letter-spacing: .06em;
}
table.cmp tbody tr.row-grand {
  background: var(--tk-red); color: #fff;
  border-top: 2px solid var(--tk-red);
}
table.cmp tbody tr.row-grand th,
table.cmp tbody tr.row-grand td {
  color: #fff; font-weight: 700; font-size: 16px;
  padding: 16px 16px;
}
table.cmp tbody tr.row-note td {
  font-size: 12px; font-style: italic; color: var(--ink-mute);
  background: #FAFAFB;
  padding: 8px 16px;
  text-align: left;
}
table.cmp tbody td.best {
  position: relative;
  color: var(--good); font-weight: 700;
}
table.cmp tbody tr.row-headline td.best,
table.cmp tbody tr.row-grand td.best {
  background: var(--good); color: #fff;
}
table.cmp tbody td.best::after {
  content: "✓"; display: inline-block; margin-left: 6px;
  font-size: 12px; vertical-align: middle;
}

/* ---------- contact CTA ---------- */
.contact-cta {
  padding: 24px;
  border-top: 1px solid var(--line);
  background: #FAFAFB;
  text-align: center;
}
.contact-cta h3 { margin: 0 0 4px; color: var(--tk-black); font-size: 20px; }
.contact-cta p { margin: 0 0 14px; color: var(--ink-soft); }
.cta-buttons { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }
.cta {
  display: inline-block;
  background: var(--tk-red); color: #fff;
  border: 1px solid var(--tk-red);
  border-radius: 10px;
  padding: 12px 22px; font-size: 15px; font-weight: 700;
  text-decoration: none;
  transition: background .15s ease;
}
.cta:hover { background: var(--tk-red-dark); border-color: var(--tk-red-dark); text-decoration: none; }
.cta.secondary { background: #fff; color: var(--tk-black); border-color: var(--tk-black); }
.cta.secondary:hover { background: var(--tk-black); color: #fff; }

/* ---------- toast (mailto fallback feedback) ---------- */
.tk-toast {
  position: fixed; bottom: 24px; left: 50%;
  transform: translateX(-50%) translateY(120%);
  background: var(--tk-black); color: #fff;
  padding: 12px 20px; border-radius: 10px;
  font-size: 14px; font-weight: 500;
  box-shadow: 0 4px 20px rgba(0,0,0,.25);
  z-index: 10000;
  opacity: 0; pointer-events: none;
  transition: opacity .25s ease, transform .25s ease;
  max-width: 90vw; text-align: center;
}
.tk-toast.show {
  opacity: 1; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

/* ---------- disclaimer & footer ---------- */
.disclaimer { margin-top: 28px; padding: 0 8px; font-size: 12px; color: var(--ink-soft); line-height: 1.55; text-align: center; }

.site-footer {
  border-top: 1px solid var(--line); background: #fff;
  display: flex; justify-content: space-between; align-items: center;
  padding: 22px 32px; font-size: 13px; color: var(--ink-soft);
  flex-wrap: wrap; gap: 16px;
}
.footer-brand strong { color: var(--tk-black); margin-right: 8px; }
.footer-brand span { display: block; margin-top: 2px; font-size: 11px; color: var(--ink-mute); }
.footer-contact a + a { margin-left: 16px; }
.footer-disclaimer { flex-basis: 100%; font-size: 11px; color: var(--ink-mute); line-height: 1.55; margin-top: 4px; }
.footer-social {
  display: flex; gap: 12px;
}
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--tk-black); color: #fff;
  transition: background .15s ease;
}
.footer-social a:hover { background: var(--tk-red); text-decoration: none; }

/* ============================================================
   PRINT STYLES — used by "Download PDF" via window.print()
   ============================================================ */
@media print {
  @page { size: letter portrait; margin: 0.5in; }

  body { background: #fff; color: #000; font-size: 11px; }
  .site-header { padding: 8px 0; border: none; border-bottom: 2px solid var(--tk-red); margin-bottom: 14px; }
  .brand img { height: 44px; }
  .header-actions { display: none; } /* CTAs hidden in PDF */
  .calc-tabs { display: none; }      /* Tab nav hidden in PDF */

  main { max-width: 100%; padding: 0; }

  .hero { margin: 6px 0 12px; }
  .hero h1 { font-size: 22px; margin: 0 0 4px; }
  .hero .lede { display: none; } /* hide subtitle on print per Terry */

  /* Hide all input controls when printing */
  .card.inputs,
  .scenarios-header .scenario-actions,
  .scenarios-header { display: none; }
  .scenario-cards { display: none; }

  .contact-cta { background: #f8f8f8; page-break-inside: avoid; }

  .results { box-shadow: none; border: 1px solid #ccc; margin-bottom: 8px; }
  .results-header { padding: 10px 12px; }
  .results-header h2 { font-size: 16px; }

  table.cmp { font-size: 10px; }
  table.cmp th, table.cmp td { padding: 4px 8px; }
  table.cmp tbody th { min-width: 0; }
  table.cmp tbody tr.row-headline th, table.cmp tbody tr.row-headline td {
    font-size: 12px; padding: 8px 8px;
  }
  table.cmp tbody tr.row-grand th, table.cmp tbody tr.row-grand td {
    font-size: 12px; padding: 8px 8px;
  }

  table.cmp tbody tr.section-header th { background: #333 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  table.cmp tbody tr.row-headline th, table.cmp tbody tr.row-headline td { background: var(--tk-red-tint) !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  table.cmp tbody tr.row-grand th, table.cmp tbody tr.row-grand td { background: var(--tk-red) !important; color: #fff !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  table.cmp tbody td.best { color: var(--good) !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }

  .site-footer { padding: 8px 0; font-size: 9px; border: none; margin-top: 8px; border-top: 1px solid #ccc; }
  .footer-social { display: none; }

  .disclaimer { font-size: 9px; margin-top: 12px; }

  /* keep big rows from splitting awkwardly */
  table.cmp tbody tr { page-break-inside: avoid; }
  /* never print the paywall */
  .pro-modal { display: none !important; }
}

/* ---------- ClosingMath Pro paywall ---------- */
.pro-modal {
  position: fixed; inset: 0; z-index: 130;
  background: rgba(15,23,42,.6);
  display: flex; align-items: center; justify-content: center;
  padding: 24px; backdrop-filter: blur(6px);
}
.pro-modal[hidden] { display: none; }
.pro-modal-inner {
  position: relative; background: #fff; border-radius: 20px;
  padding: 30px 28px 22px; max-width: 420px; width: 100%;
  text-align: center;
  box-shadow: 0 24px 48px rgba(15,23,42,.28);
  border-top: 5px solid var(--gold);
}
.pro-close {
  position: absolute; top: 12px; right: 14px;
  border: none; background: transparent; font-size: 26px; line-height: 1;
  color: #94A3B8; cursor: pointer; padding: 4px 10px; border-radius: 8px;
}
.pro-close:hover { background: #F1F5F9; color: var(--navy); }
.pro-badge {
  display: inline-block; background: var(--gold-tint); color: var(--gold-dark);
  font-size: 11px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase;
  padding: 5px 12px; border-radius: 999px; margin-bottom: 12px;
}
.pro-modal-inner h2 { margin: 0 0 4px; font-size: 22px; color: var(--navy); }
.pro-price { margin: 0 0 16px; font-size: 14px; color: var(--ink-soft); }
.pro-price strong { color: var(--navy); font-size: 20px; }
.pro-features {
  list-style: none; margin: 0 0 20px; padding: 0; text-align: left;
  display: inline-block;
}
.pro-features li {
  font-size: 14px; color: var(--ink); padding: 6px 0 6px 26px; position: relative;
}
.pro-features li::before {
  content: "✓"; position: absolute; left: 0; top: 6px;
  color: var(--gold-dark); font-weight: 800;
}
.pro-actions { display: flex; flex-direction: column; gap: 10px; }
.pro-btn {
  font-family: inherit; font-weight: 700; font-size: 15px; cursor: pointer;
  border-radius: 10px; padding: 13px 18px; border: 1px solid transparent;
  transition: background .15s ease, border-color .15s ease, opacity .15s ease;
}
.pro-btn:disabled { opacity: .6; cursor: default; }
.pro-primary { background: var(--gold); color: var(--navy-dark); border-color: var(--gold-dark); }
.pro-primary:hover { background: var(--gold-dark); color: #fff; }
.pro-secondary { background: #fff; color: var(--navy); border-color: var(--line); font-size: 13px; padding: 10px 14px; }
.pro-secondary:hover { border-color: var(--gold); background: var(--gold-tint); }
.pro-text { background: transparent; color: var(--ink-mute); font-weight: 600; font-size: 13px; padding: 6px; }
.pro-text:hover { color: var(--navy); }
.pro-note { font-size: 12.5px; color: var(--ink-mute); margin: 2px 0 0; }
.pro-fine { font-size: 11px; color: var(--ink-mute); margin: 16px 0 0; line-height: 1.5; }