/* =============================================================================
   DHANWISE — visual system
   Engraved financial instrument: navy intaglio ground, ivory working plates,
   struck-gold marks, hairline rules, tabular figures throughout.
   ========================================================================== */

:root {
  /* Ground — the document's navy field */
  --navy:        #0b1a2e;
  --navy-deep:   #071120;
  --navy-raised: #12263f;
  --navy-line:   #1e3a5c;

  /* Paper — the working plate */
  --paper:       #f7f2e7;
  --paper-dim:   #ece5d5;
  --paper-line:  #d8cdb6;
  --paper-cut:   #fffdf7;  /* interiors of inputs and options — a cut in the plate */
  --paper-ghost: #757060;  /* placeholder text, 4.9:1 on the cut */

  /* Ink on paper */
  --ink:         #16202e;
  --ink-soft:    #55606f;
  /* 5.1:1 on paper — this carries nearly every small label, so it has to clear AA */
  --ink-faint:   #6b6658;

  /* Ink on navy */
  --on-navy:       #f2ede2;
  --on-navy-soft:  #a8bcd4;
  --on-navy-faint: #6f88a6;

  /* The single struck accent */
  --gold:        #c39b3f;
  --gold-bright: #e0bd68;
  --gold-deep:   #8a6a1e;

  /* Signals — desaturated to sit inside the world */
  --affirm:      #3d7a58;
  --affirm-on:   #7fc39b;
  --affirm-ink:  #2c5c41;  /* affirm text on a paper wash */
  --caution:     #a8722c;
  --caution-on:  #e0a05c;  /* caution text on the navy ground */
  --deny:        #a4463f;
  --deny-on:     #e08c85;
  --deny-ink:    #7d332d;  /* deny text on a paper wash */

  /* On-gold ink, and the muted fills the disabled states use */
  --on-gold:     #1b1405;
  --gold-muted:  #ab9155;
  --ink-muted:   #3c4756;

  --shadow-plate: 0 2px 4px rgba(4,12,22,.18), 0 12px 32px -8px rgba(4,12,22,.32);
  --shadow-lift:  0 4px 8px rgba(4,12,22,.22), 0 22px 48px -12px rgba(4,12,22,.42);

  --serif: 'Spectral', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --sans:  'Public Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --measure: 68ch;
  --edge: 2px;

  /* Type scale — minor third off a 16px base. New type picks a step;
     it does not invent a value between two of them. */
  --t-micro: 0.625rem;    /* 10px   — micro caps labels */
  --t-tiny:  0.75rem;     /* 12px   — chips, colophon */
  --t-small: 0.8125rem;   /* 13px   — supporting prose, notes */
  --t-body:  0.9375rem;   /* 15px   — dense UI prose */
  --t-base:  1rem;        /* 16px   — body, inputs */
  --t-lg:    1.3125rem;   /* 21px   — lender names, panel heads */
  --t-xl:    1.75rem;     /* 28px   — section headlines */
  --t-2xl:   2.25rem;     /* 36px   — verdict figure */
  --t-3xl:   3.25rem;     /* 52px   — the leading verdict */
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--navy);
  color: var(--on-navy);
  font-family: var(--sans);
  font-size: var(--t-base);
  line-height: 1.55;
  font-variant-numeric: tabular-nums lining-nums;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  letter-spacing: -0.015em;
  line-height: 1.14;
  text-wrap: balance;
  margin: 0;
}

/* Figures always align in columns */
.num { font-variant-numeric: tabular-nums lining-nums; }

/* ---------- engraved rules ---------- */
.rule        { height: 1px; background: var(--navy-line); border: 0; }
.rule-paper  { height: 1px; background: var(--paper-line); border: 0; }

/* ---------- shell ---------- */
.shell { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.shell-narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

/* ---------- masthead ---------- */
.masthead {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 20px 0 18px;
  border-bottom: 1px solid var(--navy-line);
}
.mark { display: flex; align-items: center; gap: 12px; text-decoration: none; color: inherit; }
.mark svg { flex: none; }
.mark-text .name {
  font-family: var(--serif); font-size: var(--t-lg); font-weight: 600;
  letter-spacing: .02em; line-height: 1.1;
}
.mark-text .sub {
  font-size: var(--t-micro); letter-spacing: .18em; text-transform: uppercase;
  color: var(--on-navy-faint); margin-top: 2px;
}
.masthead-meta {
  text-align: right; font-size: var(--t-tiny); letter-spacing: .1em;
  text-transform: uppercase; color: var(--on-navy-faint);
}
.masthead-meta b { display: block; color: var(--gold); letter-spacing: .06em; font-weight: 600; }

/* Demonstration data must be labelled where it is actually read, not only in
   the colophon. This rides the masthead on every view. */
.demo-mark {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 5px 11px; border: 1px solid var(--caution); border-radius: var(--edge);
  font-size: var(--t-micro); font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--caution-on);
}
.demo-mark svg { flex: none; }
.results-demo {
  margin: 14px 0 0; font-size: var(--t-small); color: var(--caution-on);
  display: flex; gap: 9px; align-items: flex-start; max-width: var(--measure);
}
.results-demo svg { flex: none; margin-top: 2px; }

/* ---------- guilloché ---------- */
.guilloche {
  position: absolute; inset: 0; width: 100%; height: 100%;
  pointer-events: none; overflow: hidden;
}
.guilloche svg { position: absolute; }
.guilloche path { fill: none; stroke: var(--gold); vector-effect: non-scaling-stroke; }

/* =============================================================================
   OPENING
   ========================================================================== */
.opening { position: relative; overflow: hidden; }
.opening-inner {
  position: relative; z-index: 1;
  padding: 92px 0 88px;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center;
}
.opening h1 {
  font-size: clamp(2.6rem, 5.6vw, 4.1rem);
  letter-spacing: -0.03em;
}
.opening h1 em {
  font-style: italic; color: var(--gold-bright);
}
.opening .lede {
  margin: 22px 0 0; max-width: 46ch;
  font-size: var(--t-lg); color: var(--on-navy-soft); line-height: 1.62;
}
.opening-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
/* A ruled assurance line, not a stat strip. Three of the four things worth
   saying here are not quantities, and forcing them into numeral slots was
   the hero-metric template wearing the world's clothes. */
.assurance {
  margin-top: 38px; padding-top: 20px;
  border-top: 1px solid var(--gold); border-bottom: 1px solid var(--navy-line);
  padding-bottom: 20px;
  display: flex; flex-wrap: wrap; gap: 10px 26px; align-items: center;
}
.assurance span {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: var(--t-small); color: var(--on-navy-soft);
}
.assurance svg { flex: none; color: var(--gold); }
.assurance b { color: var(--on-navy); font-weight: 600; }

/* The specimen certificate that sits beside the headline */
.specimen {
  background: var(--paper); color: var(--ink);
  border: var(--edge) solid var(--gold-deep);
  box-shadow: var(--shadow-lift);
  padding: 22px 22px 18px;
  position: relative;
}
.specimen::after {
  content: ''; position: absolute; inset: 5px; border: 1px solid var(--paper-line);
  pointer-events: none;
}
.specimen-head {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: var(--t-micro); letter-spacing: .16em; text-transform: uppercase;
  color: var(--ink-faint); padding-bottom: 10px;
  border-bottom: 1px solid var(--paper-line);
}
.specimen-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 9px 0; border-bottom: 1px solid var(--paper-line); font-size: var(--t-small);
}
.specimen-row:last-of-type { border-bottom: 0; }
.specimen-row .lbl { color: var(--ink-soft); }
.specimen-row .val { font-weight: 600; }
.specimen-row.lead .val { font-family: var(--serif); font-size: var(--t-lg); }
.specimen-stamp {
  margin-top: 12px; padding-top: 12px; border-top: 1px solid var(--paper-line);
  display: flex; align-items: center; gap: 9px;
  font-size: var(--t-micro); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep);
}

/* ---------- how it reads ---------- */
.method { padding: 76px 0 84px; border-top: 1px solid var(--navy-line); }
.method h2 { font-size: var(--t-xl); margin-bottom: 8px; }
.method .sub { color: var(--on-navy-soft); max-width: var(--measure); margin: 0 0 40px; }
.method-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
.method-step { padding: 0 26px; border-left: 1px solid var(--navy-line); }
.method-step:first-child { padding-left: 0; border-left: 0; }
.method-step h3 {
  font-size: var(--t-lg); margin-bottom: 8px;
  display: flex; align-items: center; gap: 10px;
}
.method-step h3 svg { color: var(--gold); flex: none; }
.method-step p { margin: 0; font-size: var(--t-body); color: var(--on-navy-soft); line-height: 1.6; }

/* =============================================================================
   BUTTONS
   ========================================================================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  min-height: 48px; padding: 0 26px;
  font-family: var(--sans); font-size: var(--t-body); font-weight: 600;
  letter-spacing: .02em; border-radius: var(--edge);
  border: 1px solid transparent; cursor: pointer;
  transition: background .16s ease, color .16s ease, border-color .16s ease, transform .1s ease;
}
.btn:active { transform: translateY(1px); }
.btn:focus-visible { outline: 2px solid var(--gold-bright); outline-offset: 3px; }

.btn-gold { background: var(--gold); color: var(--on-gold); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-bright); border-color: var(--gold-bright); }

.btn-outline { background: transparent; color: var(--on-navy); border-color: var(--navy-line); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold-bright); }

.btn-ink { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.btn-ink:hover { background: #24313f; }

.btn-quiet {
  background: transparent; color: var(--ink-soft); border-color: var(--paper-line);
}
.btn-quiet:hover { border-color: var(--ink-soft); color: var(--ink); }
.btn-quiet:focus-visible { outline-color: var(--gold-deep); }

/* Dimming the whole button drops the label under AA. Soften the surface,
   keep the text legible — this state is on screen while the lead submits. */
.btn[disabled] { cursor: not-allowed; }
.btn[disabled]:active { transform: none; }
.btn-ink[disabled]   { background: var(--ink-muted); border-color: var(--ink-muted); color: var(--paper); }
.btn-gold[disabled]  { background: var(--gold-muted); border-color: var(--gold-muted); color: var(--on-gold); }
.btn-outline[disabled], .btn-quiet[disabled] { opacity: .55; }

/* =============================================================================
   THE WORKING PLATE — questionnaire & results sit on ivory
   ========================================================================== */
.plate {
  background: var(--paper); color: var(--ink);
  border: var(--edge) solid var(--gold-deep);
  box-shadow: var(--shadow-lift);
  position: relative;
}
.plate::after {
  content: ''; position: absolute; inset: 6px;
  border: 1px solid var(--paper-line); pointer-events: none; z-index: 0;
}
.plate > * { position: relative; z-index: 1; }

.plate-head {
  padding: 24px 34px 18px;
  border-bottom: 1px solid var(--paper-line);
}
.plate-body { padding: 30px 34px 34px; }

/* ---------- ledger progress ---------- */
.ledger { display: flex; align-items: stretch; gap: 0; margin-bottom: 4px; }
.ledger-cell {
  flex: 1; padding: 0 0 9px; border-bottom: 3px solid var(--paper-line);
  font-size: var(--t-micro); letter-spacing: .13em; text-transform: uppercase;
  color: var(--ink-faint); white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
  transition: color .2s ease, border-color .2s ease;
}
.ledger-cell + .ledger-cell { margin-left: 10px; }
.ledger-cell.done { border-bottom-color: var(--gold-deep); color: var(--ink-soft); }
.ledger-cell.here { border-bottom-color: var(--gold); color: var(--ink); font-weight: 700; }

/* On a phone the cell labels are dropped for space, so the step has to be
   named somewhere — five anonymous underlines tell the user nothing. */
.ledger-status {
  display: none; margin-top: 10px;
  font-size: var(--t-micro); letter-spacing: .13em; text-transform: uppercase;
  color: var(--ink-soft); font-weight: 700;
}
.ledger-status b { color: var(--ink); }

/* ---------- fields ---------- */
.step-title { font-size: var(--t-xl); margin: 22px 0 6px; }
.step-sub { color: var(--ink-soft); font-size: var(--t-body); margin: 0 0 26px; max-width: 58ch; }

fieldset { border: 0; padding: 0; margin: 0 0 26px; }
legend {
  padding: 0; margin-bottom: 11px;
  font-size: var(--t-tiny); letter-spacing: .13em; text-transform: uppercase;
  font-weight: 700; color: var(--ink-soft);
}
.field { margin-bottom: 26px; }
.field > label {
  display: block; margin-bottom: 9px;
  font-size: var(--t-tiny); letter-spacing: .13em; text-transform: uppercase;
  font-weight: 700; color: var(--ink-soft);
}
.hint { font-size: var(--t-tiny); color: var(--ink-faint); margin-top: 8px; line-height: 1.5; }

.pair { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .affix {
  position: absolute; font-size: var(--t-body); color: var(--ink-faint);
  pointer-events: none; font-weight: 600;
}
.input-wrap .affix.pre  { left: 14px; }
.input-wrap .affix.post { right: 14px; }
.input-wrap.has-pre  input { padding-left: 30px; }
.input-wrap.has-post input { padding-right: 34px; }

input[type=text], input[type=tel], input[type=email], input[type=number], textarea {
  width: 100%; padding: 13px 14px;
  font-family: var(--sans); font-size: var(--t-base); /* 16px stops iOS zoom on focus */
  font-variant-numeric: tabular-nums lining-nums;
  color: var(--ink); background: var(--paper-cut);
  border: 1px solid var(--paper-line); border-radius: var(--edge);
  transition: border-color .15s ease, box-shadow .15s ease;
}
textarea { min-height: 92px; resize: vertical; line-height: 1.55; }
input::placeholder, textarea::placeholder { color: var(--paper-ghost); } /* 4.9:1 */
input:hover, textarea:hover { border-color: var(--ink-faint); }
input:focus, textarea:focus {
  outline: none; border-color: var(--gold-deep);
  box-shadow: 0 0 0 3px rgba(195,155,63,.22);
}
input[aria-invalid="true"] { border-color: var(--deny); }
input[aria-invalid="true"]:focus { box-shadow: 0 0 0 3px rgba(164,70,63,.2); }

/* An unanswered field marks itself, rather than being named only in prose. */
.field.bad > label, .field.bad > legend { color: var(--deny); }
.field.bad .opt span { border-color: var(--deny); }
.field.bad input:not([type=radio]) { border-color: var(--deny); }

/* ---------- option set (real radio semantics) ---------- */
.options { display: flex; flex-wrap: wrap; gap: 9px; }
.options.cols-2 { display: grid; grid-template-columns: 1fr 1fr; }
.options.cols-3 { display: grid; grid-template-columns: repeat(3, 1fr); }

.opt { position: relative; display: flex; }
.opt input {
  position: absolute; opacity: 0; width: 100%; height: 100%;
  margin: 0; cursor: pointer;
}
.opt span {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  width: 100%; min-height: 48px; padding: 10px 18px;
  font-size: var(--t-body); font-weight: 500; text-align: center;
  color: var(--ink); background: var(--paper-cut);
  border: 1px solid var(--paper-line); border-radius: var(--edge);
  transition: background .15s ease, border-color .15s ease, color .15s ease;
}
.opt input:hover + span { border-color: var(--ink-faint); }
.opt input:focus-visible + span { outline: 2px solid var(--gold-deep); outline-offset: 2px; }
.opt input:checked + span {
  background: var(--ink); border-color: var(--ink); color: var(--paper); font-weight: 600;
}

/* ---------- validation ---------- */
.notice {
  display: none; gap: 10px; align-items: flex-start;
  margin: 0 0 22px; padding: 13px 15px;
  border: 1px solid var(--deny); background: rgba(164,70,63,.07);
  color: var(--deny-ink); font-size: var(--t-small); border-radius: var(--edge);
}
.notice.show { display: flex; }
.notice svg { flex: none; margin-top: 1px; }

.step-actions {
  display: flex; gap: 12px; align-items: center;
  margin-top: 30px; padding-top: 24px; border-top: 1px solid var(--paper-line);
}
.step-actions .spacer { flex: 1; }

/* =============================================================================
   RESULTS
   ========================================================================== */
.results-head { padding: 46px 0 30px; }
.results-head h1 { font-size: clamp(var(--t-xl), 4vw, var(--t-2xl)); }
.results-head .lede { color: var(--on-navy-soft); margin: 14px 0 0; max-width: var(--measure); }

/* Scenario abstract, engraved on navy */
.abstract {
  border-top: 1px solid var(--gold); border-bottom: 1px solid var(--navy-line);
  margin-top: 30px; padding: 22px 0;
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px;
}
.abstract-item .l {
  font-size: var(--t-micro); letter-spacing: .14em; text-transform: uppercase;
  color: var(--on-navy-faint); margin-bottom: 6px;
}
.abstract-item .v {
  font-family: var(--serif); font-size: var(--t-xl); font-weight: 600; line-height: 1;
}
.abstract-item .v small { font-size: .62em; color: var(--on-navy-soft); font-family: var(--sans); font-weight: 400; }

.programs { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 20px; align-items: center; }
.programs .l {
  font-size: var(--t-micro); letter-spacing: .14em; text-transform: uppercase;
  color: var(--on-navy-faint); margin-right: 4px;
}
.tag {
  font-size: var(--t-tiny); font-weight: 600; letter-spacing: .06em;
  padding: 5px 11px; border: 1px solid var(--gold); color: var(--gold-bright);
  border-radius: var(--edge);
}

.results-toolbar {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  padding: 26px 0 22px;
}
.results-toolbar h2 { font-size: var(--t-lg); }
.results-toolbar .spacer { flex: 1; }

/* ---------- lender plate ---------- */
.lender {
  background: var(--paper); color: var(--ink);
  border: 1px solid var(--paper-line);
  border-radius: var(--edge);
  margin-bottom: 16px; position: relative;
  box-shadow: var(--shadow-plate);
  transition: box-shadow .2s ease, transform .2s ease;
}
.lender:hover { box-shadow: var(--shadow-lift); }
.lender.first { border: var(--edge) solid var(--gold-deep); }

.lender-top {
  display: grid; grid-template-columns: 1fr auto; gap: 20px;
  padding: 20px 24px 16px;
}
/* Sits inside the verdict column as a stamp beneath the figure — never above
   the lender's name, where it would be a kicker. */
.seal {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 9px; padding: 4px 9px;
  font-size: var(--t-micro); font-weight: 700; letter-spacing: .15em; text-transform: uppercase;
  color: var(--on-gold); background: var(--gold); border-radius: var(--edge);
}
.seal svg { flex: none; }
.lender-name { font-size: var(--t-lg); margin-bottom: 3px; }
.lender-type { font-size: var(--t-tiny); color: var(--ink-faint); letter-spacing: .04em; }
.lender-blurb {
  font-size: var(--t-small); color: var(--ink-soft); line-height: 1.55;
  margin: 11px 0 0; max-width: 56ch;
}

.verdict { text-align: right; min-width: 104px; }
.verdict .n {
  font-family: var(--serif); font-size: var(--t-2xl); font-weight: 600;
  line-height: .95; color: var(--ink);
}
/* The whole product's answer is "which lender". The leader is scaled to the
   size of that decision and set in a gold cartouche, not merely outlined. */
.lender.first .verdict {
  border-left: 1px solid var(--paper-line); padding-left: 22px;
}
.lender.first .verdict .n { font-size: var(--t-3xl); color: var(--gold-deep); }
.lender.first .lender-name { font-size: var(--t-xl); }
.verdict .n sup { font-size: .4em; font-weight: 500; color: var(--ink-faint); top: -.9em; }
.verdict .l {
  font-size: var(--t-micro); letter-spacing: .15em; text-transform: uppercase;
  color: var(--ink-faint); margin-top: 5px;
}

/* quoted figures, ledger-ruled */
.quote-grid {
  display: grid; grid-template-columns: repeat(5, 1fr);
  border-top: 1px solid var(--paper-line);
}
.quote-cell {
  padding: 14px 16px; border-left: 1px solid var(--paper-line);
}
.quote-cell:first-child { border-left: 0; padding-left: 24px; }
.quote-cell:last-child { padding-right: 24px; }
.quote-cell .l {
  font-size: var(--t-micro); letter-spacing: .13em; text-transform: uppercase;
  color: var(--ink-faint); margin-bottom: 5px; white-space: nowrap;
}
.quote-cell .v { font-size: var(--t-lg); font-weight: 700; letter-spacing: -.01em; }
.quote-cell .v small { font-size: .68em; font-weight: 500; color: var(--ink-soft); }
.quote-cell.accent .v { color: var(--gold-deep); }

.lender-foot {
  border-top: 1px solid var(--paper-line);
  padding: 14px 24px 16px;
}
.chips { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 12px; }
.chip {
  font-size: var(--t-micro); font-weight: 600; letter-spacing: .05em;
  padding: 4px 9px; border: 1px solid var(--paper-line);
  color: var(--ink-soft); border-radius: var(--edge); background: var(--paper-cut);
}
.chip.prog { border-color: var(--gold-deep); color: var(--gold-deep); }

.notes { margin: 0; padding: 0; list-style: none; }
.notes li {
  font-size: var(--t-small); color: var(--ink-soft); line-height: 1.5;
  padding-left: 20px; position: relative; margin-bottom: 4px;
}
.notes li svg { position: absolute; left: 0; top: 3px; color: var(--affirm); }

details.detail { margin-top: 8px; border-top: 1px solid var(--paper-line); padding-top: 2px; }
details.detail summary {
  cursor: pointer; list-style: none; display: inline-flex; align-items: center; gap: 7px;
  min-height: 44px; padding-right: 8px; /* a real tap target, not just a text run */
  font-size: var(--t-tiny); font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--gold-deep);
}
details.detail summary:focus-visible { outline: 2px solid var(--gold-deep); outline-offset: 2px; }
details.detail summary::-webkit-details-marker { display: none; }
details.detail summary svg { transition: transform .2s ease; }
details.detail[open] summary svg { transform: rotate(180deg); }
.detail-body { padding-top: 14px; }
.detail-line {
  display: flex; justify-content: space-between; gap: 16px;
  font-size: var(--t-small); padding: 7px 0; border-bottom: 1px solid var(--paper-line);
}
.detail-line:last-child { border-bottom: 0; }
.detail-line .l { color: var(--ink-soft); }
.detail-line .v { font-weight: 600; }

.weights { margin-top: 16px; }
.weight-row {
  display: grid; grid-template-columns: 96px 1fr 40px;
  align-items: center; gap: 12px; margin-bottom: 7px; font-size: var(--t-tiny);
}
.weight-row .l { color: var(--ink-soft); }
.weight-track { height: 6px; background: var(--paper-dim); }
.weight-track i { display: block; height: 100%; background: var(--ink); }
.weight-row .v { text-align: right; color: var(--ink-faint); font-size: var(--t-tiny); }

/* ---------- excluded ---------- */
.excluded { margin-top: 34px; }
.excluded-row {
  display: grid; grid-template-columns: 1fr 1.4fr; gap: 20px;
  padding: 13px 0; border-bottom: 1px solid var(--navy-line);
  font-size: var(--t-small); align-items: baseline;
}
.excluded-row:first-of-type { border-top: 1px solid var(--navy-line); }
.excluded-row .who { font-weight: 600; }
.excluded-row .who small { display: block; font-weight: 400; color: var(--on-navy-faint); font-size: var(--t-tiny); margin-top: 2px; }
.excluded-row .why { color: var(--on-navy-soft); }
.excluded-row .why span { display: block; }

/* ---------- empty state ---------- */
.empty {
  background: var(--paper); color: var(--ink); padding: 40px 34px;
  border: var(--edge) solid var(--gold-deep); box-shadow: var(--shadow-lift);
}
.empty h3 { font-size: var(--t-xl); margin-bottom: 10px; }
.empty p { color: var(--ink-soft); max-width: 56ch; margin: 0 0 18px; font-size: var(--t-body); }
.empty ul { color: var(--ink-soft); font-size: var(--t-body); padding-left: 20px; margin: 0 0 22px; }
.empty li { margin-bottom: 6px; }

/* =============================================================================
   CONSULTATION
   ========================================================================== */
.consult { position: relative; margin-top: 52px; overflow: hidden; }
.consult-inner {
  position: relative; z-index: 1;
  border-top: 1px solid var(--gold); padding: 46px 0 60px;
  display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px;
}
.consult h2 { font-size: var(--t-xl); margin-bottom: 12px; }
.consult p { color: var(--on-navy-soft); font-size: var(--t-body); max-width: 44ch; margin: 0 0 18px; }
.consult-assure { margin: 0; padding: 0; list-style: none; }
.consult-assure li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: var(--t-small); color: var(--on-navy-soft); margin-bottom: 9px; line-height: 1.5;
}
.consult-assure svg { flex: none; margin-top: 2px; color: var(--gold); }

.form-plate { background: var(--paper); color: var(--ink); padding: 28px 30px 30px; box-shadow: var(--shadow-lift); }
.form-plate h3 { font-size: var(--t-lg); margin-bottom: 4px; }
.form-plate .form-sub { font-size: var(--t-small); color: var(--ink-soft); margin: 0 0 22px; }
.form-status {
  display: none; margin-top: 16px; padding: 13px 15px; font-size: var(--t-small);
  border-radius: var(--edge); border: 1px solid;
}
.form-status.show { display: block; }
.form-status.ok   { border-color: var(--affirm); background: rgba(61,122,88,.08); color: var(--affirm-ink); }
.form-status.bad  { border-color: var(--deny);   background: rgba(164,70,63,.07);  color: var(--deny-ink); }

.spin {
  width: 15px; height: 15px; border: 2px solid rgba(27,20,5,.28);
  border-top-color: var(--on-gold); border-radius: 50%;
  animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* =============================================================================
   COLOPHON
   ========================================================================== */
.colophon { border-top: 1px solid var(--navy-line); padding: 34px 0 44px; margin-top: 0; }
.colophon-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 36px; }
.colophon-head {
  font-family: var(--sans); font-size: var(--t-micro); letter-spacing: .16em;
  text-transform: uppercase; color: var(--on-navy-faint); margin-bottom: 11px; font-weight: 700;
}
.colophon p, .colophon li {
  font-size: var(--t-tiny); color: var(--on-navy-soft); line-height: 1.6; margin: 0 0 8px;
}
.colophon ul { list-style: none; padding: 0; margin: 0; }
.eho { display: flex; gap: 11px; align-items: flex-start; margin-top: 14px; }
.eho svg { flex: none; color: var(--on-navy-soft); }
.eho span { font-size: var(--t-tiny); color: var(--on-navy-faint); line-height: 1.5; }
.colophon-base {
  margin-top: 30px; padding-top: 18px; border-top: 1px solid var(--navy-line);
  font-size: var(--t-tiny); color: var(--on-navy-faint);
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}

/* =============================================================================
   MOTION — one authored moment: plates settle onto the ground
   ========================================================================== */
@keyframes settle {
  from { opacity: 0; transform: translateY(14px); filter: blur(6px); }
  to   { opacity: 1; transform: none; filter: blur(0); }
}
.settle { animation: settle .5s cubic-bezier(.16,1,.3,1) both; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important; animation-iteration-count: 1 !important;
    transition-duration: .001ms !important; scroll-behavior: auto !important;
  }
}

.hidden { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
/* The skip link must become visible when it takes focus, or keyboard users
   tab to a focused element they cannot see. */
.skip:focus {
  position: fixed; top: 12px; left: 12px; z-index: 99;
  width: auto; height: auto; margin: 0; clip: auto; overflow: visible;
  padding: 12px 20px; background: var(--gold); color: var(--on-gold);
  font-size: var(--t-small); font-weight: 700; border-radius: var(--edge);
  text-decoration: none; outline: 2px solid var(--on-navy); outline-offset: 2px;
}

/* =============================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 900px) {
  .opening-inner { grid-template-columns: 1fr; gap: 44px; padding: 60px 0 64px; }
  .method-list { grid-template-columns: 1fr; gap: 26px; }
  .method-step { padding: 0 0 0 20px; border-left: 1px solid var(--navy-line); }
  .method-step:first-child { padding-left: 20px; border-left: 1px solid var(--navy-line); }
  .abstract { grid-template-columns: repeat(3, 1fr); gap: 18px; }
  .quote-grid { grid-template-columns: repeat(3, 1fr); }
  .quote-cell:nth-child(4) { border-left: 0; padding-left: 24px; }
  .quote-cell:nth-child(n+4) { border-top: 1px solid var(--paper-line); }
  .consult-inner { grid-template-columns: 1fr; gap: 34px; }
  .colophon-grid { grid-template-columns: 1fr 1fr; gap: 26px; }
}

@media (max-width: 620px) {
  .shell, .shell-narrow { padding: 0 16px; }
  .masthead { padding: 16px 0 14px; }
  .masthead-meta { display: none; }
  .opening-inner { padding: 44px 0 52px; }
  .opening h1 { font-size: clamp(var(--t-xl), 9vw, var(--t-2xl)); }
  .opening-actions .btn { width: 100%; }
  .assurance { gap: 12px 18px; }

  .plate-head { padding: 20px 18px 16px; }
  .plate-body { padding: 24px 18px 26px; }
  .plate::after { inset: 4px; }
  .ledger-cell { font-size: 0; padding-bottom: 7px; }
  .ledger-cell + .ledger-cell { margin-left: 6px; }
  .ledger-status { display: block; }
  .pair { grid-template-columns: 1fr; gap: 0; }
  .options.cols-3 { grid-template-columns: 1fr 1fr; }
  .step-actions { flex-wrap: wrap; }
  .step-actions .btn { flex: 1; min-width: 130px; }

  .results-head { padding: 30px 0 22px; }
  .abstract { grid-template-columns: 1fr 1fr; gap: 16px; }
  .lender-top { grid-template-columns: 1fr; gap: 14px; padding: 18px 18px 14px; }
  .verdict { text-align: left; display: flex; align-items: baseline; gap: 12px; }
  .verdict .l { margin-top: 0; }
  .quote-grid { grid-template-columns: 1fr 1fr; }
  .quote-cell { padding: 12px 14px !important; border-left: 1px solid var(--paper-line); }
  .quote-cell:nth-child(odd) { border-left: 0; }
  .quote-cell:nth-child(n+3) { border-top: 1px solid var(--paper-line); }
  .lender-foot { padding: 13px 18px 15px; }
  .excluded-row { grid-template-columns: 1fr; gap: 5px; }
  .form-plate { padding: 22px 18px 24px; }
  .colophon-grid { grid-template-columns: 1fr; gap: 24px; }
  .weight-row { grid-template-columns: 78px 1fr 34px; }
}

/* =============================================================================
   PRINT — the results become a leave-behind
   ========================================================================== */
@media print {
  body { background: #fff; color: #000; }
  .masthead-meta, .results-toolbar, .consult, .btn, .opening, .method,
  details.detail summary, .guilloche { display: none !important; }
  details.detail { display: block; }
  details.detail .detail-body { display: block !important; }
  .plate, .lender, .empty { box-shadow: none; border: 1px solid #999; break-inside: avoid; }
  .results-head h1, .abstract-item .v, .lender-name { color: #000; }
  .abstract-item .l, .abstract-item .v, .excluded-row, .programs .l, .tag,
  .results-head .lede, .colophon p, .colophon li, .colophon h4 { color: #000 !important; }
  .abstract { border-color: #999; }
  .excluded-row { border-color: #ccc; }
  a[href]::after { content: ''; }
}

/* =============================================================================
   Classes lifted out of inline style attributes, so every size sits on the ramp
   ========================================================================== */
.form-shell { padding-top: 40px; padding-bottom: 64px; }

.privacy-line {
  display: flex; gap: 8px; justify-content: center; align-items: center;
  text-align: center; margin-top: 20px;
  font-size: var(--t-tiny); color: var(--on-navy-faint);
}

.excluded-head { font-size: var(--t-lg); margin-bottom: 6px; }
.excluded-sub {
  color: var(--on-navy-soft); font-size: var(--t-small);
  margin: 0 0 18px; max-width: var(--measure);
}

.qual { color: var(--ink-faint); }

.weights-head {
  font-family: var(--sans); font-size: var(--t-micro); letter-spacing: .13em;
  text-transform: uppercase; color: var(--ink-soft); margin: 18px 0 10px; font-weight: 700;
}
.weights-note { margin-top: 10px; }

.field-tight { margin-bottom: 18px; }
.btn-block { width: 100%; }

.consent {
  display: flex; gap: 10px; align-items: flex-start; cursor: pointer;
  font-size: var(--t-tiny); color: var(--ink-soft); line-height: 1.5; margin-bottom: 18px;
}
.consent input[type=checkbox] {
  width: 17px; height: 17px; margin-top: 1px; flex: none; accent-color: var(--gold-deep);
}
.consent input:focus-visible { outline: 2px solid var(--gold-deep); outline-offset: 2px; }

.sent { text-align: center; padding: 22px 6px; }
.sent-tick { color: var(--affirm); margin-bottom: 12px; }
.sent-head { margin-bottom: 8px; }
.sent-body { font-size: var(--t-body); color: var(--ink-soft); margin: 0; }