/* sayhome.loan — home-loan literacy hub. Plain CSS, no frameworks. */
:root {
  --ink: #1a2233;
  --ink-soft: #4a5570;
  --bg: #f7f9fc;
  --card: #ffffff;
  --brand: #1f5f8b;
  --brand-dark: #154a6f;
  --accent: #2e9e6b;
  --line: #e2e8f0;
  --warn: #8a5a00;
  --warn-bg: #fff8e6;
  --radius: 12px;
}
* { box-sizing: border-box; }
body {
  margin: 0; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink); background: var(--bg); line-height: 1.65;
}
a { color: var(--brand); }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 8px; top: 8px; background: #fff; padding: 8px 12px; z-index: 99; border: 2px solid var(--brand); }

/* Header */
.site-header { background: var(--brand-dark); color: #fff; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0.9rem 1.25rem; max-width: 1100px; margin: 0 auto; }
.brand { color: #fff; text-decoration: none; font-weight: 800; font-size: 1.35rem; letter-spacing: 0.2px; }
.brand small { display: block; font-weight: 400; font-size: 0.78rem; opacity: 0.85; letter-spacing: 0.4px; }
.nav { display: flex; flex-wrap: wrap; gap: 0.25rem; }
.nav a { color: #eaf2fa; text-decoration: none; padding: 0.45rem 0.75rem; border-radius: 8px; font-size: 0.95rem; }
.nav a:hover, .nav a[aria-current="page"] { background: rgba(255,255,255,0.15); }

/* Layout */
.wrap { max-width: 1100px; margin: 0 auto; padding: 0 1.25rem; }
main .wrap { padding-top: 2rem; padding-bottom: 3rem; }
.hero { background: linear-gradient(135deg, var(--brand-dark), var(--brand)); color: #fff; padding: 3.5rem 1.25rem; text-align: center; }
.hero h1 { margin: 0 0 0.6rem; font-size: clamp(1.8rem, 4.5vw, 2.8rem); line-height: 1.2; }
.hero p.lead { max-width: 640px; margin: 0 auto 1.5rem; font-size: 1.1rem; opacity: 0.95; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 0.75rem; justify-content: center; }
.btn { display: inline-block; background: var(--accent); color: #fff; text-decoration: none; font-weight: 700; padding: 0.8rem 1.4rem; border-radius: 10px; border: 0; cursor: pointer; font-size: 1rem; }
.btn:hover { filter: brightness(1.08); }
.btn.ghost { background: transparent; border: 2px solid #fff; }
.btn.secondary { background: var(--brand); }
button.btn { font-family: inherit; }

.grid { display: grid; gap: 1.25rem; }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 760px) { .grid.cols-3, .grid.cols-2 { grid-template-columns: 1fr; } }

.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.card h2, .card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }
.card .tool-link { display: inline-block; margin-top: 0.75rem; font-weight: 700; }

.section-title { margin: 2.5rem 0 1rem; font-size: 1.5rem; }

/* Calculator */
.calc { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.75rem; }
.calc label { display: block; font-weight: 600; margin: 1rem 0 0.35rem; }
.calc input[type="number"], .calc input[type="text"], .calc select {
  width: 100%; max-width: 420px; padding: 0.65rem 0.8rem; font-size: 1rem;
  border: 1px solid var(--line); border-radius: 8px; font-family: inherit;
}
.calc .hint { font-size: 0.85rem; color: var(--ink-soft); margin: 0.2rem 0 0; }
.calc .row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 640px) { .calc .row { grid-template-columns: 1fr; } }
.result { margin-top: 1.5rem; background: #eef6f1; border: 1px solid #cfe8d8; border-radius: var(--radius); padding: 1.25rem 1.5rem; display: none; }
.result.show { display: block; }
.result .big { font-size: 1.9rem; font-weight: 800; color: var(--brand-dark); margin: 0.25rem 0 0.75rem; }
.result dl { display: grid; grid-template-columns: auto 1fr; gap: 0.35rem 1rem; margin: 0; }
.result dt { color: var(--ink-soft); }
.result dd { margin: 0; font-weight: 600; }

/* Article pages */
.article { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem; }
.article h1 { margin-top: 0; }
.article h2 { margin-top: 2rem; border-bottom: 2px solid var(--line); padding-bottom: 0.4rem; }
table.compare { width: 100%; border-collapse: collapse; margin: 1rem 0; font-size: 0.95rem; }
table.compare th, table.compare td { border: 1px solid var(--line); padding: 0.6rem 0.8rem; text-align: left; vertical-align: top; }
table.compare th { background: #eef3f8; }
.checklist { list-style: none; padding: 0; }
.checklist li { background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 1rem 1.25rem; margin-bottom: 0.75rem; }
.checklist li strong { display: block; margin-bottom: 0.25rem; }
.note { background: var(--warn-bg); border: 1px solid #f0d48a; border-radius: 10px; padding: 1rem 1.25rem; margin: 1.5rem 0; }
.note strong { color: var(--warn); }

.disclaimer { background: #f1f4f8; border: 1px solid var(--line); border-radius: 10px; padding: 1rem 1.25rem; font-size: 0.88rem; color: var(--ink-soft); margin: 2rem 0 0; }
footer.site-footer { background: var(--ink); color: #c9d3e3; padding: 2rem 1.25rem; font-size: 0.9rem; }
footer.site-footer .wrap { display: flex; flex-wrap: wrap; gap: 1.5rem; justify-content: space-between; }
footer.site-footer a { color: #eaf2fa; }
footer.site-footer .fine { width: 100%; margin-top: 1rem; font-size: 0.82rem; opacity: 0.85; }