/* ============================================
   refiresult — Stylesheet
   Aesthetic: Warm editorial / financial broadsheet
   Fonts: DM Serif Display + DM Sans
   ============================================ */

:root {
  --ink:        #1a1612;
  --ink-2:      #3d3830;
  --ink-3:      #6b6257;
  --paper:      #faf8f4;
  --paper-2:    #f2efe9;
  --paper-3:    #e8e3da;
  --accent:     #b85c2a;
  --accent-2:   #d4763e;
  --accent-light: #f5ede5;
  --green:      #2a7a4b;
  --green-light: #e8f5ee;
  --red:        #c0392b;
  --red-light:  #fdecea;
  --border:     #ddd8d0;
  --shadow:     0 1px 3px rgba(26,22,18,0.08), 0 4px 16px rgba(26,22,18,0.06);
  --radius:     10px;
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:  'DM Sans', system-ui, sans-serif;
  --max-w:      1160px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--paper);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- HEADER ---- */
.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--paper);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}
.logo {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.02em;
}
.logo span { color: var(--accent); }
nav { display: flex; align-items: center; gap: 28px; }
nav a {
  font-size: 14px;
  font-weight: 400;
  color: var(--ink-2);
  text-decoration: none;
  transition: color 0.2s;
}
nav a:hover { color: var(--accent); }
.nav-cta {
  background: var(--accent);
  color: #fff !important;
  padding: 7px 16px;
  border-radius: 6px;
  font-weight: 500;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--accent-2) !important; }

/* ---- HERO ---- */
.hero {
  padding: 72px 0 64px;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(160deg, var(--paper) 60%, var(--accent-light) 100%);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 64px;
  align-items: center;
}
.eyebrow {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}
h1 {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 54px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-bottom: 20px;
}
h1 em { font-style: italic; color: var(--accent); }
.hero-sub {
  font-size: 17px;
  color: var(--ink-2);
  line-height: 1.65;
  max-width: 520px;
  margin-bottom: 36px;
}
.hero-stats {
  display: flex;
  gap: 32px;
  align-items: center;
}
.hstat { display: flex; flex-direction: column; }
.hstat-num {
  font-family: var(--font-display);
  font-size: 28px;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 4px;
}
.hstat-label { font-size: 12px; color: var(--ink-3); max-width: 100px; line-height: 1.3; }
.hstat-divider { width: 1px; height: 40px; background: var(--border); }

/* hero window graphic */
.hero-visual { display: flex; justify-content: center; }
.window-frame {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  width: 340px;
}
.window-bar {
  background: var(--paper-2);
  border-bottom: 1px solid var(--border);
  padding: 10px 14px;
  display: flex;
  gap: 7px;
  align-items: center;
}
.window-bar span {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--border);
  display: block;
}
.window-content { padding: 20px; }
.mini-chart { height: 140px; position: relative; }
.window-label {
  text-align: center;
  font-size: 13px;
  color: var(--ink-3);
  margin-top: 12px;
}
.window-label strong { color: var(--green); }

/* ---- CALCULATOR ---- */
.calc-section {
  padding: 72px 0;
}
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: 36px;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}
.section-header p { color: var(--ink-3); font-size: 15px; }

h2 {
  font-family: var(--font-display);
  font-size: 28px;
  letter-spacing: -0.01em;
  line-height: 1.2;
  margin-bottom: 20px;
}
h3 {
  font-family: var(--font-display);
  font-size: 20px;
  margin-bottom: 24px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
}

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}

.calc-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 28px;
  align-items: start;
}

/* ---- FORM FIELDS ---- */
.field-group { margin-bottom: 20px; }
label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-2);
  margin-bottom: 6px;
}
.label-hint {
  font-weight: 400;
  color: var(--ink-3);
  font-size: 12px;
}
.input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 7px;
  overflow: hidden;
  background: var(--paper);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.input-wrap:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(184,92,42,0.1);
  background: #fff;
}
.prefix, .suffix {
  padding: 0 12px;
  color: var(--ink-3);
  font-size: 14px;
  background: var(--paper-2);
  border-right: 1px solid var(--border);
  height: 40px;
  display: flex;
  align-items: center;
}
.suffix { border-right: none; border-left: 1px solid var(--border); }
input[type="number"] {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0 12px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  height: 40px;
  outline: none;
  -moz-appearance: textfield;
}
input[type="number"]::-webkit-outer-spin-button,
input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }
.select-wrap {
  border: 1px solid var(--border);
  border-radius: 7px;
  overflow: hidden;
  background: var(--paper);
}
select {
  width: 100%;
  border: none;
  background: transparent;
  padding: 0 12px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  height: 40px;
  outline: none;
  cursor: pointer;
}
.calc-btn {
  width: 100%;
  padding: 13px;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  cursor: pointer;
  margin-top: 8px;
  transition: background 0.2s, transform 0.1s;
  letter-spacing: 0.01em;
}
.calc-btn:hover { background: var(--accent-2); }
.calc-btn:active { transform: scale(0.99); }

/* ---- RESULTS ---- */
.calc-results { display: flex; flex-direction: column; gap: 16px; }
.result-hero {
  text-align: center;
  padding: 32px;
}
.verdict-label {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 8px;
}
.verdict-text {
  font-family: var(--font-display);
  font-size: 32px;
  margin-bottom: 8px;
  color: var(--ink);
}
.verdict-sub { color: var(--ink-3); font-size: 15px; margin: 0; }
.verdict-yes .verdict-text { color: var(--green); }
.verdict-no .verdict-text { color: var(--red); }
.verdict-maybe .verdict-text { color: var(--accent); }

.metrics-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.metric-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 18px 20px;
}
.metric-label {
  font-size: 12px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-3);
}
.metric-val {
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--ink);
  line-height: 1;
}
.chart-card { padding: 22px; }
.chart-card canvas { max-height: 280px; }
.chart-title {
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-2);
  margin-bottom: 16px;
}
.rate-drop-card {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--accent-light);
  border-color: rgba(184,92,42,0.2);
}
.icon-info {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  font-style: normal;
  flex-shrink: 0;
  margin-top: 2px;
}
#rate-advice-text { font-size: 14px; color: var(--ink-2); line-height: 1.6; }

/* ---- RATES / AFFILIATE ---- */
.rates-section {
  background: var(--ink);
  padding: 72px 0;
}

.rates-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.rates-text .eyebrow { color: var(--accent-2); }
.rates-text h2 {
  font-family: var(--font-display);
  color: var(--paper);
  font-size: 34px;
  margin-bottom: 16px;
}
.rates-text p { color: var(--paper-3); font-size: 15px; margin-bottom: 12px; }
.disclosure { font-size: 12px !important; color: var(--ink-3) !important; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 12px; margin-top: 4px; }
.rates-cards { display: flex; flex-direction: column; gap: 12px; }
.lender-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: background 0.2s, border-color 0.2s;
}
.lender-card:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.22);
}
.lender-logo {
  font-family: var(--font-display);
  font-size: 16px;
  color: var(--paper);
  min-width: 90px;
}
.lender-desc { flex: 1; font-size: 13px; color: var(--paper-3); }
.lender-cta { font-size: 13px; color: var(--accent-2); font-weight: 500; white-space: nowrap; }

/* ---- CONTENT SECTION ---- */
.content-section { padding: 80px 0; border-top: 1px solid var(--border); }
.content-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
}
.content-block h2 {
  font-family: var(--font-display);
  font-size: 22px;
  margin-bottom: 14px;
}
.content-block p { font-size: 15px; color: var(--ink-2); margin-bottom: 12px; line-height: 1.7; }
.text-link { font-size: 14px; color: var(--accent); text-decoration: none; font-weight: 500; }
.text-link:hover { text-decoration: underline; }

/* ---- FAQ ---- */
.faq-section {
  padding: 72px 0;
  background: var(--paper-2);
  border-top: 1px solid var(--border);
}
.faq-title {
  font-family: var(--font-display);
  font-size: 34px;
  text-align: center;
  margin-bottom: 40px;
}
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-q {
  width: 100%;
  text-align: left;
  padding: 20px 0;
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-q::after {
  content: '+';
  font-size: 20px;
  color: var(--accent);
  transition: transform 0.2s;
  flex-shrink: 0;
}
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding-bottom: 20px;
}
.faq-item.open .faq-a { display: block; }
.faq-a p { font-size: 15px; color: var(--ink-2); line-height: 1.7; }

/* ---- FOOTER ---- */
.site-footer {
  background: var(--ink);
  padding: 48px 0 32px;
}
.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 24px;
  align-items: center;
  text-align: center;
}
.footer-brand .logo { color: var(--paper); }
.footer-brand p { font-size: 13px; color: var(--ink-3); margin-top: 4px; }
.footer-nav { display: flex; gap: 24px; flex-wrap: wrap; justify-content: center; }
.footer-nav a { font-size: 14px; color: var(--paper-3); text-decoration: none; }
.footer-nav a:hover { color: var(--paper); }
.footer-nav-secondary { margin-top: -8px; }
.footer-nav-secondary a { font-size: 13px; color: var(--ink-3); }
.footer-nav-secondary a:hover { color: var(--paper-3); }
.footer-legal { font-size: 12px; color: var(--ink-3); line-height: 1.6; max-width: 700px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero { padding: 48px 0 40px; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-section { padding: 48px 0; }
  .rates-inner { grid-template-columns: 1fr; gap: 40px; }
  .rates-section { padding: 48px 0; }
  .content-grid { grid-template-columns: 1fr; gap: 40px; }
  .content-section { padding: 56px 0; }
  .faq-section { padding: 48px 0; }
  .metrics-grid { grid-template-columns: 1fr 1fr; }
  .section-header { margin-bottom: 32px; }
}
@media (max-width: 600px) {
  .container { padding: 0 16px; }
  nav a:not(.nav-cta) { display: none; }
  .hero { padding: 32px 0 28px; }
  .hero-sub { font-size: 15px; }
  .hero-stats { flex-wrap: wrap; gap: 16px; }
  .hstat-divider { display: none; }
  .hstat-num { font-size: 22px; }
  .calc-section { padding: 36px 0; }
  .rates-section { padding: 36px 0; }
  .content-section { padding: 44px 0; }
  .faq-section { padding: 36px 0; }
  .card { padding: 20px; }
  .result-hero { padding: 24px 20px; }
  .verdict-text { font-size: 26px; }
  .metrics-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .metric-card { padding: 14px 16px; }
  .metric-val { font-size: 22px; }
  .lender-card { flex-wrap: wrap; gap: 6px; }
  .lender-cta { margin-left: auto; }
  .faq-title { font-size: 26px; }
  .section-header h2 { font-size: 26px; }
  h2 { font-size: 24px; }
  .footer-inner { gap: 20px; }
  .footer-nav { gap: 16px; }
}