/* ==========================================================================
   Vivica Loans — vivicaloans.com
   Palette : Vivica green ground, gold accent, warm stone neutrals (from the logo)
   Type    : Archivo (display) / Source Sans 3 (body) / IBM Plex Mono (figures)
   ========================================================================== */

/* Vivica Loans — website colour palette (green + gold, from the logo)
   Drop-in replacement for the :root / dark blocks in vivica-site/assets/style.css.
   Extra tokens vs. the old file: --brand, --brand-ink, --brand-wash, --ink-gold.
   --copper* are kept as aliases so existing rules keep working. */
:root{
  --paper:#F5F3EE;
  --surface:#FFFFFF;
  --surface-2:#FAF8F4;
  --line:#E3DED4;
  --line-strong:#CBC4B7;
  --ink:#12201D;
  --ink-2:#33403D;
  --muted:#66716D;
  --brand:#10453F;
  --brand-ink:#0B332F;
  --brand-wash:#E1EFEC;
  --gold:#C19558;
  --gold-ink:#866434;
  --gold-wash:#F6EAD8;
  --ok:#1F7A4D;
  --warn:#946408;
  --crit:#A63A31;
  --ink-bg:#06201D;
  --ink-bg-2:#0B332F;
  --ink-w:#F1F4F2;
  --ink-mut:#8FB0A9;
  --ink-line:#16564D;
  --ink-gold:#ECB477;
  --copper:var(--brand); --copper-ink:var(--brand-ink); --copper-wash:var(--brand-wash); --ink-cop:var(--ink-gold);
  --shadow:0 1px 2px rgba(6,32,29,.06),0 12px 32px -14px rgba(6,32,29,.22);
  --shadow-lg:0 2px 4px rgba(6,32,29,.06),0 30px 60px -22px rgba(6,32,29,.34);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --paper:#0A1614;
    --surface:#12201E;
    --surface-2:#182927;
    --line:#243734;
    --line-strong:#35504C;
    --ink:#ECF1EF;
    --ink-2:#C3D0CC;
    --muted:#8FA19C;
    --brand:#4FA496;
    --brand-ink:#8FC6BC;
    --brand-wash:#122E2A;
    --gold:#ECB477;
    --gold-ink:#F2C994;
    --gold-wash:#2A2116;
    --ok:#5CCB95;
    --warn:#E7B653;
    --crit:#F28B82;
    --ink-bg:#06201D;
    --ink-bg-2:#0B332F;
    --ink-w:#F1F4F2;
    --ink-mut:#8FB0A9;
    --ink-line:#16564D;
    --ink-gold:#ECB477;
    --shadow:0 1px 2px rgba(0,0,0,.4),0 12px 32px -14px rgba(0,0,0,.7);
    --shadow-lg:0 2px 4px rgba(0,0,0,.4),0 30px 60px -22px rgba(0,0,0,.8);
  }
}
:root[data-theme="dark"]{
  --paper:#0A1614;
  --surface:#12201E;
  --surface-2:#182927;
  --line:#243734;
  --line-strong:#35504C;
  --ink:#ECF1EF;
  --ink-2:#C3D0CC;
  --muted:#8FA19C;
  --brand:#4FA496;
  --brand-ink:#8FC6BC;
  --brand-wash:#122E2A;
  --gold:#ECB477;
  --gold-ink:#F2C994;
  --gold-wash:#2A2116;
  --ok:#5CCB95;
  --warn:#E7B653;
  --crit:#F28B82;
  --ink-bg:#06201D;
  --ink-bg-2:#0B332F;
  --ink-w:#F1F4F2;
  --ink-mut:#8FB0A9;
  --ink-line:#16564D;
  --ink-gold:#ECB477;
  --shadow:0 1px 2px rgba(0,0,0,.4),0 12px 32px -14px rgba(0,0,0,.7);
  --shadow-lg:0 2px 4px rgba(0,0,0,.4),0 30px 60px -22px rgba(0,0,0,.8);
}

/* Full scales, for one-off use */
:root{
  --green-50:#F0F7F5;
  --green-100:#E1EFEC;
  --green-200:#C3E0DA;
  --green-300:#8FC6BC;
  --green-400:#4FA496;
  --green-500:#2B8779;
  --green-600:#1E6B5F;
  --green-700:#16564D;
  --green-800:#10453F;
  --green-900:#0B332F;
  --green-950:#06201D;
  --gold-50:#FBF5EC;
  --gold-100:#F6EAD8;
  --gold-200:#EDD6B4;
  --gold-300:#ECB477;
  --gold-400:#D9A868;
  --gold-500:#C19558;
  --gold-600:#A67D45;
  --gold-700:#866434;
  --gold-800:#644A25;
  --stone-0:#FFFFFF;
  --stone-50:#FAF8F4;
  --stone-100:#F5F2ED;
  --stone-200:#E6E1D8;
  --stone-300:#CFC8BC;
  --stone-400:#A39E93;
  --stone-500:#6F7672;
  --stone-600:#4B5451;
  --stone-700:#33403D;
  --stone-800:#1C2826;
  --stone-900:#101A18;
  --success:#1F7A4D;
  --success-light:#5CCB95;
  --warning:#946408;
  --warning-light:#E7B653;
  --danger:#A63A31;
  --danger-light:#F28B82;
  --info:#2C5E8C;
  --info-light:#7FB3E6;
}
:root{--r-sm:6px; --r-md:10px; --r-lg:16px; --maxw:1160px}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}
  *{animation-duration:.01ms!important;transition-duration:.01ms!important}}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:"Source Sans 3","Segoe UI",system-ui,-apple-system,sans-serif;
  font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Archivo,"Helvetica Neue",Arial,sans-serif;font-weight:700;
  letter-spacing:-.02em;line-height:1.08;text-wrap:balance;margin:0}
p{margin:0} a{color:inherit}
img{max-width:100%;height:auto}
:focus-visible{outline:2.5px solid var(--copper);outline-offset:2px;border-radius:4px}
[id]{scroll-margin-top:88px}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:200;background:var(--copper);color:#fff;padding:10px 16px;border-radius:8px}

.eyebrow{font-family:"IBM Plex Mono",ui-monospace,Menlo,monospace;font-size:11.5px;font-weight:500;
  letter-spacing:.16em;text-transform:uppercase;color:var(--copper-ink)}
.mono{font-family:"IBM Plex Mono",ui-monospace,Menlo,monospace;font-variant-numeric:tabular-nums}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:Archivo,sans-serif;font-weight:600;font-size:15px;letter-spacing:-.01em;
  padding:13px 22px;border-radius:var(--r-md);border:1px solid transparent;cursor:pointer;
  text-decoration:none;transition:transform .12s ease,background .16s,border-color .16s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--copper);color:#FFFFFF;border-color:var(--copper)}
.btn-primary:hover{background:var(--copper-ink);border-color:var(--copper-ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--ink);background:var(--surface-2)}
.btn-dark{background:transparent;color:var(--ink-w);border-color:var(--ink-line)}
.btn-dark:hover{border-color:var(--ink-cop);background:rgba(236,180,119,.12)}
.btn-wa{background:#1FA855;color:#fff;border-color:#1FA855}
.btn-wa:hover{background:#178047;border-color:#178047}
.btn-sm{padding:9px 15px;font-size:14px}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:60;background:color-mix(in srgb,var(--paper) 90%,transparent);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:20px;height:68px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;margin-right:auto}
img.mark{height:38px;width:auto;flex:none;display:block}
.mark{width:36px;height:36px;border-radius:9px;flex:none;
  background:linear-gradient(150deg,var(--brand),var(--brand-ink));display:grid;place-items:center;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.28)}
.mark span{font-family:Archivo,sans-serif;font-weight:700;font-size:18px;color:#FFF3E9;letter-spacing:-.03em}
.brand b{font-family:Archivo,sans-serif;font-weight:700;font-size:19px;letter-spacing:-.025em;display:block;line-height:1.05}
.brand small{font-family:"IBM Plex Mono",monospace;font-size:9.5px;letter-spacing:.18em;
  text-transform:uppercase;color:var(--muted);display:block;white-space:nowrap}
nav.main{display:flex;gap:24px;align-items:center}
nav.main > a,.dd > button{font-size:15px;text-decoration:none;color:var(--ink-2);font-weight:600;
  background:none;border:0;font-family:inherit;cursor:pointer;padding:0;transition:color .15s}
nav.main > a:hover,.dd > button:hover,nav.main > a[aria-current]{color:var(--copper-ink)}
nav.main > a[aria-current]{position:relative}
nav.main > a[aria-current]::after{content:"";position:absolute;left:0;right:0;bottom:-24px;height:2px;background:var(--copper)}
.hdr .btn{padding:10px 18px;white-space:nowrap}

/* dropdown */
.dd{position:relative}
.dd > button{display:inline-flex;align-items:center;gap:5px}
.dd > button::after{content:"";width:6px;height:6px;border-right:1.6px solid currentColor;
  border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .18s}
.dd[data-open="true"] > button::after{transform:rotate(-135deg) translateY(-2px)}
.dd-menu{position:absolute;top:calc(100% + 18px);left:-14px;min-width:290px;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-lg);padding:7px;
  opacity:0;visibility:hidden;transform:translateY(-6px);transition:all .16s ease}
.dd[data-open="true"] .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:flex;justify-content:space-between;align-items:baseline;gap:12px;
  padding:10px 12px;border-radius:var(--r-sm);text-decoration:none;color:var(--ink)}
.dd-menu a:hover{background:var(--copper-wash)}
.dd-menu b{font-family:Archivo,sans-serif;font-size:14.5px;font-weight:600}
.dd-menu span{font-family:"IBM Plex Mono",monospace;font-size:11px;color:var(--copper-ink);white-space:nowrap}
.dd-menu hr{border:0;border-top:1px solid var(--line);margin:6px 4px}
.dd-menu .all{color:var(--muted);font-size:13.5px;font-family:inherit}

.burger{display:none;width:40px;height:40px;border:1px solid var(--line-strong);border-radius:8px;
  background:transparent;cursor:pointer;padding:0;place-items:center}
.burger i{display:block;width:17px;height:1.8px;background:var(--ink);border-radius:2px;position:relative}
.burger i::before,.burger i::after{content:"";position:absolute;left:0;width:17px;height:1.8px;background:var(--ink);border-radius:2px}
.burger i::before{top:-5.5px} .burger i::after{top:5.5px}
@media(max-width:1040px){
  nav.main{display:none} .burger{display:grid}
  .hdr{height:62px;gap:12px}
}
@media(max-width:520px){.brand small{display:none}.brand b{font-size:17.5px}.hdr .btn{padding:9px 13px;font-size:14px}}
.mobnav{display:none;border-top:1px solid var(--line);background:var(--surface);padding:10px 0 16px}
.mobnav.on{display:block}
.mobnav a{display:block;padding:11px 24px;text-decoration:none;font-weight:600;color:var(--ink-2);font-size:16px}
.mobnav a:hover{background:var(--surface-2);color:var(--copper-ink)}
.mobnav .grp{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--muted);padding:12px 24px 4px}

/* ---------- page hero ---------- */
.phero{background:linear-gradient(174deg,var(--ink-bg-2),var(--ink-bg) 65%);color:var(--ink-w);
  position:relative;overflow:hidden;border-bottom:1px solid var(--ink-line)}
.phero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:repeating-linear-gradient(to bottom,transparent 0 33px,rgba(154,163,188,.06) 33px 34px);
  mask-image:linear-gradient(to bottom,transparent,#000 40%,transparent)}
.phero .glow{position:absolute;width:820px;height:820px;right:-240px;top:-380px;border-radius:50%;
  background:radial-gradient(circle,rgba(236,180,119,.20),transparent 62%);pointer-events:none}
.phero .wrap{position:relative;z-index:1;padding-top:62px;padding-bottom:66px}
.phero .eyebrow{color:var(--ink-cop)}
.phero h1{font-size:clamp(2.3rem,4.6vw,3.5rem);margin-top:16px}
.phero p.lede{font-size:19px;color:var(--ink-mut);max-width:56ch;margin-top:18px}
.crumb{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.13em;text-transform:uppercase;
  color:var(--ink-mut);margin-bottom:20px}
.crumb a{color:var(--ink-mut);text-decoration:none}
.crumb a:hover{color:var(--ink-cop)}
.crumb span{opacity:.5;margin:0 7px}

/* home hero */
.hero{background:radial-gradient(1100px 520px at 82% -10%,rgba(236,180,119,.20),transparent 62%),
  linear-gradient(174deg,var(--ink-bg-2),var(--ink-bg) 62%);
  color:var(--ink-w);border-bottom:1px solid var(--ink-line);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:repeating-linear-gradient(to bottom,transparent 0 33px,rgba(154,163,188,.07) 33px 34px);
  mask-image:linear-gradient(to bottom,transparent,#000 40%,transparent)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,440px);
  gap:56px;align-items:start;padding:74px 0 86px}
.hero h1{font-size:clamp(2.6rem,5.6vw,4.15rem);margin:20px 0 0}
.hero h1 .u{background-image:linear-gradient(var(--ink-cop),var(--ink-cop));background-size:100% 3px;
  background-position:0 92%;background-repeat:no-repeat;padding-bottom:2px}
.hero .eyebrow{color:var(--ink-cop)}
.lede{font-size:19.5px;color:var(--ink-mut);max-width:44ch;margin-top:22px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.trust{display:flex;flex-wrap:wrap;margin-top:44px;border-top:1px solid var(--ink-line)}
.trust div{padding:18px 26px 0 0;margin-right:26px;border-right:1px solid var(--ink-line)}
.trust div:last-child{border-right:0;margin-right:0}
.trust b{display:block;font-family:Archivo,sans-serif;font-size:17px;font-weight:600}
.trust span{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-mut)}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr;gap:38px;padding:52px 0 60px}
  .trust div{padding-right:18px;margin-right:18px}}

/* ---------- sections ---------- */
section{padding:84px 0;border-bottom:1px solid var(--line)}
section.tight{padding:58px 0}
section:last-of-type{border-bottom:0}
.s-head{max-width:62ch;margin-bottom:42px}
.s-head h2{font-size:clamp(1.85rem,3.7vw,2.6rem);margin:14px 0 0}
.s-head p{color:var(--muted);font-size:18px;margin-top:14px}
.rule{height:1px;background:linear-gradient(90deg,var(--copper),var(--line) 34%,transparent);width:64px;margin-bottom:18px}
.prose{max-width:70ch}
.prose p{margin-bottom:16px;color:var(--ink-2)}
.prose h3{font-size:22px;margin:32px 0 12px}
.prose ul{padding-left:20px;color:var(--ink-2)}
.prose li{margin-bottom:8px}

/* cards / grids */
.grid-4{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(255px,100%),1fr));gap:18px}
.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(280px,100%),1fr));gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(320px,100%),1fr));gap:22px}
.prod{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;
  display:flex;flex-direction:column;gap:14px;text-decoration:none;color:inherit;
  transition:border-color .18s,transform .18s,box-shadow .18s}
.prod:hover{border-color:var(--copper);transform:translateY(-3px);box-shadow:var(--shadow)}
.tag{align-self:flex-start;font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--copper-ink);background:var(--copper-wash);padding:4px 9px;border-radius:99px}
.prod h3{font-size:22px}
.rate{font-family:"IBM Plex Mono",monospace;font-size:27px;font-weight:600;font-variant-numeric:tabular-nums;
  letter-spacing:-.03em}
.rate em{font-style:normal;font-size:13.5px;color:var(--muted);font-weight:400;letter-spacing:0}
.prod p{font-size:15px;color:var(--ink-2)}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:7px;font-size:14.5px;color:var(--ink-2)}
.ticks li{padding-left:19px;position:relative}
.ticks li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:2px;background:var(--copper);border-radius:2px}
.go{margin-top:auto;padding-top:14px;border-top:1px dashed var(--line);font-family:Archivo,sans-serif;
  font-weight:600;font-size:14.5px;color:var(--copper-ink);display:inline-flex;gap:6px;align-items:center}
.prod:hover .go{gap:10px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px}
.card h3{font-size:20px;margin-bottom:10px}
.card p{color:var(--muted);font-size:15.5px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(215px,100%),1fr));border-top:1px solid var(--line-strong)}
.step{padding:26px 24px 26px 0;border-right:1px solid var(--line);position:relative}
.step:last-child{border-right:0}
.step::before{content:"";position:absolute;top:-1px;left:0;width:32px;height:2px;background:var(--copper)}
.step .n{font-family:"IBM Plex Mono",monospace;font-size:12px;color:var(--copper-ink);letter-spacing:.1em;
  display:block;margin-bottom:10px}
.step h3{font-size:18px;margin-bottom:8px}
.step p{font-size:15px;color:var(--muted)}
@media(max-width:760px){.step{border-right:0;border-bottom:1px solid var(--line);padding-right:0}
  .step:last-child{border-bottom:0}}

/* why columns */
.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr));gap:20px}
.why div{border-top:2px solid var(--line-strong);padding-top:18px}
.why div:first-child{border-top-color:var(--copper)}
.why h3{font-size:18.5px;margin-bottom:8px}
.why p{font-size:15px;color:var(--muted)}

/* requirements */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.tabs button{font-family:Archivo,sans-serif;font-weight:600;font-size:14.5px;padding:10px 18px;border-radius:99px;
  border:1px solid var(--line-strong);background:transparent;color:var(--ink-2);cursor:pointer;transition:all .15s}
.tabs button:hover{border-color:var(--ink)}
.tabs button[aria-selected="true"]{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.reqs{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(250px,100%),1fr));gap:12px;list-style:none;padding:0;margin:0}
.reqs li{display:flex;gap:12px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r-md);padding:15px 16px;font-size:15.5px}
.reqs b{display:block;font-family:Archivo,sans-serif;font-weight:600;font-size:15.5px}
.reqs small{color:var(--muted);font-size:13.5px;display:block;margin-top:2px}
.tick{flex:none;width:19px;height:19px;border-radius:5px;border:1.5px solid var(--copper);display:grid;
  place-items:center;margin-top:3px;color:var(--copper);font-size:11px;font-weight:700}

/* faq */
details.faq{border-bottom:1px solid var(--line);padding:4px 0}
details.faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;position:relative;
  font-family:Archivo,sans-serif;font-weight:600;font-size:17.5px;letter-spacing:-.01em}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);
  font-family:"IBM Plex Mono",monospace;font-size:20px;color:var(--copper)}
details.faq[open] summary::after{content:"\2013"}
details.faq p{padding:0 40px 20px 0;color:var(--ink-2);font-size:16px;max-width:70ch}

/* tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);background:var(--surface)}
table.data{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
table.data th{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--muted);text-align:left;padding:12px 16px;border-bottom:1px solid var(--line-strong);font-weight:500}
table.data td{padding:12px 16px;border-bottom:1px solid var(--line)}
table.data tr:last-child td{border-bottom:0}
table.data td.n,table.data th.n{text-align:right;font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums}

/* ---------- calculator ---------- */
.calc{background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);overflow:hidden}
.calc .big,.calc-head strong,.rows span:last-child{color:var(--ink)}
.calc-head{padding:18px 22px;border-bottom:1px solid var(--line);display:flex;align-items:center;
  justify-content:space-between;gap:12px;background:var(--surface-2)}
.calc-head strong{font-family:Archivo,sans-serif;font-size:16.5px;font-weight:700}
.calc-body{padding:22px}
.field{margin-bottom:20px}
.field:last-child{margin-bottom:0}
.field > label,.flabel{display:block;font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--muted);margin-bottom:9px}
.seg{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px}
.seg button{font-family:"Source Sans 3",sans-serif;font-size:14.5px;font-weight:600;padding:10px 8px;
  border-radius:var(--r-sm);cursor:pointer;background:var(--surface-2);border:1px solid var(--line);
  color:var(--ink-2);transition:all .14s}
.seg button:hover{border-color:var(--line-strong);color:var(--ink)}
.seg button[aria-pressed="true"]{background:var(--copper-wash);border-color:var(--copper);color:var(--copper-ink)}
.seg.tenure{grid-template-columns:repeat(auto-fit,minmax(58px,1fr))}
.seg.tenure button{font-family:"IBM Plex Mono",monospace;font-size:13.5px;font-variant-numeric:tabular-nums;padding:9px 4px}
.amt{display:flex;align-items:stretch;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;background:var(--surface-2)}
.amt .cur{display:grid;place-items:center;padding:0 13px;background:var(--surface);border-right:1px solid var(--line);
  font-family:"IBM Plex Mono",monospace;font-size:12.5px;font-weight:600;color:var(--muted);letter-spacing:.06em}
.amt input{flex:1;min-width:0;border:0;background:transparent;color:var(--ink);
  font-family:"IBM Plex Mono",monospace;font-size:21px;font-weight:500;font-variant-numeric:tabular-nums;padding:11px 13px}
.amt input:focus{outline:none}
.amt:focus-within{border-color:var(--copper);box-shadow:0 0 0 3px var(--copper-wash)}
input[type=range]{width:100%;margin:14px 0 4px;-webkit-appearance:none;appearance:none;background:transparent;height:22px}
input[type=range]::-webkit-slider-runnable-track{height:4px;border-radius:99px;background:var(--line-strong)}
input[type=range]::-moz-range-track{height:4px;border-radius:99px;background:var(--line-strong)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:19px;height:19px;border-radius:50%;
  background:var(--copper);border:3px solid var(--surface);box-shadow:0 1px 5px rgba(0,0,0,.3);margin-top:-7.5px;cursor:pointer}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--copper);
  border:3px solid var(--surface);box-shadow:0 1px 5px rgba(0,0,0,.3);cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-family:"IBM Plex Mono",monospace;font-size:11px;color:var(--muted)}
.readout{margin-top:22px;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;background:var(--surface-2)}
.readout .prime{padding:16px 18px;border-bottom:1px solid var(--line);display:flex;align-items:baseline;
  justify-content:space-between;gap:12px;flex-wrap:wrap}
.readout .prime .flabel{margin:0}
.big{font-family:"IBM Plex Mono",monospace;font-size:clamp(1.7rem,4.6vw,2.15rem);font-weight:600;
  font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.rows div{display:flex;justify-content:space-between;gap:12px;align-items:baseline;padding:9px 18px;
  border-bottom:1px dashed var(--line);font-size:14.5px}
.rows div:last-child{border-bottom:0}
.rows span:first-child{color:var(--muted)}
.rows span:last-child{font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;font-weight:500}
.dsr{margin-top:18px;border:1px solid var(--line);border-radius:var(--r-md);padding:15px 16px;background:var(--surface-2)}
.dsr-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:8px 10px;margin-bottom:11px}
.pill{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;
  padding:3px 9px;border-radius:99px;border:1px solid currentColor;white-space:nowrap}
.pill.ok{color:var(--ok)} .pill.warn{color:var(--warn)} .pill.crit{color:var(--crit)}
.meter{position:relative;height:9px;border-radius:99px;background:var(--line)}
.meter i{position:absolute;inset:0 auto 0 0;border-radius:99px;transition:width .35s cubic-bezier(.4,0,.2,1);background:var(--ok)}
.meter i.warn{background:var(--warn)} .meter i.crit{background:var(--crit)}
.meter u{position:absolute;top:-5px;bottom:-5px;left:40%;width:2px;background:var(--ink-2);opacity:.55;border-radius:2px}
.dsr small{display:block;margin-top:10px;font-size:13px;color:var(--muted);line-height:1.45}
.note{margin-top:14px;font-size:13.5px;color:var(--ink-2);line-height:1.5;border-left:3px solid var(--copper);
  padding:8px 0 8px 12px;background:var(--copper-wash);border-radius:0 var(--r-sm) var(--r-sm) 0}
.note[hidden]{display:none}
.sched-toggle{width:100%;margin-top:18px;background:transparent;border:1px dashed var(--line-strong);color:var(--ink-2);
  font-family:"IBM Plex Mono",monospace;font-size:12px;letter-spacing:.1em;text-transform:uppercase;padding:11px;
  border-radius:var(--r-sm);cursor:pointer;transition:all .15s}
.sched-toggle:hover{border-color:var(--copper);color:var(--copper-ink)}
.sched-wrap{overflow-x:auto;margin-top:14px;border:1px solid var(--line);border-radius:var(--r-sm)}
.sched-wrap[hidden]{display:none}
table.sched{width:100%;border-collapse:collapse;font-size:13.5px;min-width:420px}
table.sched th{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.11em;text-transform:uppercase;
  color:var(--muted);text-align:right;padding:10px 12px;border-bottom:1px solid var(--line-strong);
  background:var(--surface-2);font-weight:500}
table.sched th:first-child{text-align:left}
table.sched td{padding:8px 12px;text-align:right;border-bottom:1px dashed var(--line);
  font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums}
table.sched td:first-child{text-align:left;color:var(--muted)}
table.sched tr:last-child td{border-bottom:0}
.calc-foot{padding:0 22px 22px}
.fine{font-size:12.5px;color:var(--muted);margin-top:12px;line-height:1.45}

/* ---------- forms ---------- */
.form{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--shadow)}
.form .field{margin-bottom:16px}
.form input,.form select,.form textarea{width:100%;padding:11px 13px;border-radius:var(--r-sm);
  border:1px solid var(--line);background:var(--surface-2);color:var(--ink);font-family:inherit;font-size:15.5px}
.form textarea{resize:vertical;min-height:82px}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--copper);
  box-shadow:0 0 0 3px var(--copper-wash)}
.form .btn{width:100%;margin-top:4px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.two{grid-template-columns:1fr}}
.hint{font-size:12.5px;color:var(--muted);margin-top:5px}
.err{font-size:12.5px;color:var(--crit);margin-top:5px;display:none}
.field.bad input,.field.bad select,.field.bad textarea{border-color:var(--crit)}
.field.bad .err{display:block}
.req::after{content:" *";color:var(--copper)}
.toast{margin-top:14px;font-size:14px;color:var(--ok);border:1px dashed var(--ok);border-radius:var(--r-sm);
  padding:12px 14px;line-height:1.45}
.toast[hidden]{display:none}

/* wizard */
.wiz-steps{display:flex;gap:0;margin-bottom:30px;border-top:1px solid var(--line-strong)}
.wiz-steps div{flex:1;padding:16px 14px 0;border-top:3px solid transparent;margin-top:-1px}
.wiz-steps div.on{border-top-color:var(--copper)}
.wiz-steps div.done{border-top-color:var(--ok)}
.wiz-steps .n{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.14em;color:var(--muted)}
.wiz-steps b{display:block;font-family:Archivo,sans-serif;font-size:15px;margin-top:4px}
.wiz-steps div.on b{color:var(--copper-ink)}
.pane[hidden]{display:none}
.wiz-nav{display:flex;gap:10px;margin-top:22px}
.wiz-nav .btn{flex:1}
.drop{border:1.5px dashed var(--line-strong);border-radius:var(--r-md);padding:22px;text-align:center;
  background:var(--surface-2);color:var(--muted);font-size:14.5px}
.drop b{display:block;font-family:Archivo,sans-serif;color:var(--ink);font-size:15.5px;margin-bottom:4px}

/* ---------- cta band ---------- */
.cta{background:linear-gradient(174deg,var(--ink-bg-2),var(--ink-bg));color:var(--ink-w);
  border-top:1px solid var(--ink-line);position:relative;overflow:hidden}
.cta .glow{position:absolute;width:760px;height:760px;left:-200px;bottom:-420px;border-radius:50%;
  background:radial-gradient(circle,rgba(236,180,119,.18),transparent 62%)}
.cta .wrap{position:relative;z-index:1;padding:66px 24px}
.cta h2{font-size:clamp(1.9rem,3.8vw,2.7rem)}
.cta p{color:var(--ink-mut);font-size:18px;margin-top:14px;max-width:52ch}
.cta .row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}

/* ---------- footer ---------- */
footer.site{background:var(--ink-bg);color:var(--ink-w);padding:56px 0 30px}
footer.site .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:34px;padding-bottom:32px;
  border-bottom:1px solid var(--ink-line)}
@media(max-width:860px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media(max-width:520px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.15em;text-transform:uppercase;
  color:var(--ink-mut);margin:0 0 14px;font-weight:500}
footer.site a{color:var(--ink-w);text-decoration:none;font-size:15px;display:block;padding:3px 0;opacity:.86}
footer.site a:hover{opacity:1;color:var(--ink-cop)}
footer.site p{color:var(--ink-mut);font-size:14.5px;max-width:40ch}
.licence{font-family:"IBM Plex Mono",monospace;font-size:12px;color:var(--ink-mut);border:1px solid var(--ink-line);
  border-radius:var(--r-sm);padding:9px 12px;margin-top:16px;display:inline-block;line-height:1.6}
.legal{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;padding-top:22px;font-size:13px;color:var(--ink-mut)}

/* whatsapp float + mobile bar */
.wafloat{position:fixed;right:18px;bottom:84px;z-index:70;width:52px;height:52px;border-radius:50%;
  background:#1FA855;display:grid;place-items:center;box-shadow:0 8px 24px -6px rgba(0,0,0,.45);
  text-decoration:none;transition:transform .15s}
.wafloat:hover{transform:scale(1.06)}
.wafloat svg{width:27px;height:27px;fill:#fff}
@media(min-width:1041px){.wafloat{bottom:22px}}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:69;display:none;gap:9px;padding:10px 14px;
  background:color-mix(in srgb,var(--paper) 94%,transparent);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
.mbar .btn{flex:1;padding:12px}
@media(max-width:1040px){.mbar{display:flex}body{padding-bottom:70px}}

/* reveal */
.rv{opacity:0;transform:translateY(14px);transition:opacity .55s ease,transform .55s ease}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none}}

/* ---------- full-disclosure calculator rows ---------- */
.rows.disclose{border-bottom:1px solid var(--line)}
.rows.disclose:last-of-type{border-bottom:0}
.rows.disclose div{padding:8px 18px}
.rows.disclose div.emph{background:var(--surface);font-weight:600}
.rows.disclose div.emph span:first-child{color:var(--ink)}
.rows.disclose div.emph span:last-child{font-weight:600}
.rows.disclose div.total span:last-child{color:var(--copper-ink);font-size:16px}
#outFee.minus{color:var(--crit)}
.dateinput{width:100%;padding:11px 13px;border-radius:var(--r-sm);border:1px solid var(--line);
  background:var(--surface-2);color:var(--ink);font-family:"IBM Plex Mono",monospace;font-size:15px}
.dateinput:focus{outline:none;border-color:var(--copper);box-shadow:0 0 0 3px var(--copper-wash)}
#dueField[hidden],#tenureField[hidden],#lastRow[hidden]{display:none}

/* early settlement discount */
.disc{margin-top:18px;border:1px solid var(--ok);border-radius:var(--r-md);
  padding:14px 16px;background:color-mix(in srgb,var(--ok) 8%,transparent)}
.disc-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:8px}
.disc p{font-size:13.5px;color:var(--ink-2);line-height:1.55}
.disc[hidden]{display:none}

/* ---------- application wizard ---------- */
ol.wiz-steps{display:flex;gap:0;margin:0 0 30px;padding:0;list-style:none;
  border-top:1px solid var(--line-strong);overflow-x:auto}
ol.wiz-steps li{flex:1 0 auto;min-width:110px;padding:14px 14px 0;
  border-top:3px solid transparent;margin-top:-1px}
ol.wiz-steps li.on{border-top-color:var(--copper)}
ol.wiz-steps li.done{border-top-color:var(--ok)}
ol.wiz-steps .n{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.14em;color:var(--muted)}
ol.wiz-steps b{display:block;font-family:Archivo,sans-serif;font-size:14.5px;margin-top:3px;color:var(--ink-2)}
ol.wiz-steps li.on b{color:var(--copper-ink)}
ol.wiz-steps li.done b{color:var(--ok)}
.pane-h{font-size:1.5rem;margin-bottom:6px}
.pane-s{margin-bottom:22px}

/* documents */
.docrow{display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px dashed var(--line);flex-wrap:wrap}
.docrow:last-child{border-bottom:0}
.docmeta{flex:1;min-width:190px}
.docmeta b{display:block;font-family:Archivo,sans-serif;font-size:15.5px;font-weight:600}
.docmeta small{color:var(--muted);font-size:13.5px}
.docbtn{cursor:pointer;flex:none}
.docstate{font-family:"IBM Plex Mono",monospace;font-size:11.5px;color:var(--muted);
  min-width:120px;text-align:right;word-break:break-all}
.docstate.has{color:var(--ok)}

/* review */
.review{display:grid;gap:16px;margin-bottom:26px}
.rev-block{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-md);padding:16px 18px}
.rev-block h3{font-size:15px;margin-bottom:10px;color:var(--copper-ink)}
.rev-block dl{margin:0;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:6px 16px;font-size:14.5px}
.rev-block dt{color:var(--muted)}
.rev-block dd{margin:0;text-align:right;font-family:"IBM Plex Mono",monospace;
  font-variant-numeric:tabular-nums;word-break:break-word}

/* consent checkboxes */
.consents .check{display:flex;gap:11px;align-items:flex-start;font-size:15px;cursor:pointer;line-height:1.5}
.consents .check input{width:auto;margin-top:4px;flex:none;accent-color:var(--copper)}
.consents a{color:var(--copper-ink);font-weight:600}
.field.bad .check span{color:var(--crit)}
#a-dueField.bad .dateinput{border-color:var(--crit)}

/* ---------- legal scaffold pages ---------- */
.draft-note{border:2px solid var(--warn);background:color-mix(in srgb,var(--warn) 10%,transparent);
  border-radius:var(--r-md);padding:18px 20px;margin-bottom:36px;font-size:15.5px;line-height:1.6;color:var(--ink-2)}
.draft-note b{display:block;font-family:Archivo,sans-serif;font-size:17px;color:var(--warn);margin-bottom:6px}
.legal-sec{padding:0 0 26px;border:0}
.legal-sec h2{font-size:19px;margin-bottom:8px}
.legal-sec .must{color:var(--muted);font-size:15px;line-height:1.6;max-width:66ch}
.await{margin-top:12px;border:1px dashed var(--line-strong);border-radius:var(--r-sm);
  padding:14px 16px;font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted);background:var(--surface-2)}
.legal-foot{border-top:1px solid var(--line);padding-top:22px;margin-top:10px;
  color:var(--muted);font-size:14.5px}

/* ---------- worked examples ---------- */
.examples{display:grid;gap:18px;margin-top:16px}
.example h3{font-size:16px;margin-bottom:8px;color:var(--copper-ink)}
.example table.data td:first-child{color:var(--muted)}
.example table.data td.n{text-align:right;font-family:"IBM Plex Mono",monospace;
  font-variant-numeric:tabular-nums;white-space:nowrap}

/* ---------- specimen document ---------- */
.doc-toolbar{background:var(--surface-2);border-bottom:1px solid var(--line);padding:16px 0;
  position:sticky;top:68px;z-index:40}
.doc-toolbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.doc-toolbar b{display:block;font-family:Archivo,sans-serif;font-size:15.5px}
.doc-toolbar span{color:var(--muted);font-size:13.5px}
.doc-actions{display:flex;gap:12px;align-items:flex-end;flex-wrap:wrap}
.doc-pick{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--muted);display:flex;flex-direction:column;gap:5px}
.doc-pick select,.doc-pick input{font-family:"Source Sans 3",sans-serif;font-size:14.5px;
  text-transform:none;letter-spacing:0;color:var(--ink);background:var(--surface);
  border:1px solid var(--line);border-radius:var(--r-sm);padding:8px 10px;min-width:110px}

.doc-sheet{max-width:800px;margin:36px auto 60px;background:var(--surface);color:var(--ink);
  border:1px solid var(--line);border-radius:var(--r-md);padding:48px 52px;position:relative;
  box-shadow:var(--shadow);overflow:hidden}
.doc-watermark{position:absolute;top:44%;left:50%;transform:translate(-50%,-50%) rotate(-24deg);
  font-family:Archivo,sans-serif;font-weight:700;font-size:112px;letter-spacing:.08em;
  color:var(--copper);opacity:.07;pointer-events:none;white-space:nowrap}
.doc-head{display:flex;justify-content:space-between;align-items:flex-start;gap:20px;
  padding-bottom:20px;border-bottom:2px solid var(--ink);flex-wrap:wrap}
.doc-brand{display:flex;align-items:center;gap:11px}
.doc-brand b{font-family:Archivo,sans-serif;font-size:18px;display:block;line-height:1.1}
.doc-brand small{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted)}
.doc-ref{text-align:right;font-size:13px}
.doc-ref div{margin-bottom:4px}
.doc-ref span{color:var(--muted);display:block;font-family:"IBM Plex Mono",monospace;
  font-size:9.5px;letter-spacing:.13em;text-transform:uppercase}
.doc-ref b{font-family:"IBM Plex Mono",monospace}
.doc-title{font-size:30px;margin:28px 0 6px}
.doc-sub{color:var(--muted);font-size:15px;margin-bottom:26px}
.doc-block{margin-bottom:30px}
.doc-block h2{font-size:17px;margin-bottom:12px;padding-bottom:7px;border-bottom:1px solid var(--line)}
.doc-block h3{font-size:13px;font-family:"IBM Plex Mono",monospace;letter-spacing:.13em;
  text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.doc-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
@media(max-width:640px){.doc-grid{grid-template-columns:1fr}}
.doc-grid p{font-size:14.5px;line-height:1.65}
.doc-gap{margin-top:10px}
.fill{display:flex;justify-content:space-between;gap:10px;align-items:baseline;
  border-bottom:1px dotted var(--line-strong);padding:9px 0;color:var(--muted);font-size:13.5px}
.fill span{flex:1;max-width:62%}
.doc-note{font-size:13px;color:var(--muted);margin-top:10px;line-height:1.55}
#d-particulars td:first-child{color:var(--ink-2)}
#d-particulars td.n{text-align:right;font-family:"IBM Plex Mono",monospace;
  font-variant-numeric:tabular-nums;white-space:nowrap}
#d-schedule tr.tot td{border-top:2px solid var(--line-strong);font-weight:600;background:var(--surface-2)}
.clause-await{border:1.5px dashed var(--warn);border-radius:var(--r-sm);padding:16px 18px;
  background:color-mix(in srgb,var(--warn) 8%,transparent);font-size:14.5px;line-height:1.6;color:var(--ink-2)}
.clause-await b{display:block;font-family:Archivo,sans-serif;color:var(--warn);margin-bottom:5px}
.await-inline{font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--warn)}
.doc-decl{padding-left:20px;font-size:14.5px;line-height:1.7;color:var(--ink-2)}
.doc-decl li{margin-bottom:7px}
.doc-sign{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:34px}
@media(max-width:640px){.doc-sign{grid-template-columns:1fr}}
.doc-sign .sigline{display:block;border-bottom:1px solid var(--ink);height:44px;margin-bottom:8px}
.doc-sign b{font-family:Archivo,sans-serif;font-size:14px;display:block}
.doc-sign small{color:var(--muted);font-size:12px}
.doc-foot{border-top:1px solid var(--line);padding-top:18px;margin-top:34px;
  font-size:12.5px;color:var(--muted);line-height:1.6}

@media print{
  header.site,footer.site,.doc-toolbar,.mbar,.wafloat,.phero{display:none!important}
  body{background:#fff;padding:0}
  .doc-sheet{max-width:none;margin:0;border:0;border-radius:0;box-shadow:none;padding:0 6mm}
  .doc-watermark{opacity:.10}
  .doc-block.break{break-before:page}
  #d-schedule{font-size:10pt}
  @page{margin:14mm}
}

/* ---------- calculator density pass ----------
   Every disclosure row stays visible - principal, interest, fees, total cost,
   total repayment, frequency and dates are all required. The height comes off
   padding and type size instead. */
.hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,408px)}
.calc-head{padding:13px 18px}
.calc-head strong{font-size:15.5px}
.calc-body{padding:17px 18px}
.calc .field{margin-bottom:14px}
.calc .field > label,.calc .flabel{margin-bottom:6px;font-size:10.5px}
.calc .amt input{font-size:18px;padding:9px 11px}
.calc .amt .cur{padding:0 11px;font-size:11.5px}
.calc input[type=range]{margin:10px 0 3px}
.calc .seg{gap:6px}
.calc .seg button{padding:8px 6px;font-size:13.5px}
.calc .seg.tenure{grid-template-columns:repeat(auto-fit,minmax(50px,1fr));gap:5px}
.calc .seg.tenure button{padding:6px 3px;font-size:12.5px}
.readout{margin-top:15px}
.readout .prime{padding:12px 16px}
.big{font-size:clamp(1.5rem,3.6vw,1.82rem)}
.rows.disclose div{padding:5.5px 16px;font-size:13.5px}
.rows div{padding:5.5px 16px;font-size:13.5px}
.dsr{margin-top:13px;padding:12px 14px}
.dsr-top{margin-bottom:9px}
.dsr small{font-size:12.5px;margin-top:8px}
.disc{margin-top:13px;padding:12px 14px}
.disc p{font-size:12.5px}
.note{margin-top:11px;font-size:12.5px;padding:7px 0 7px 11px}
.sched-toggle{margin-top:13px;padding:9px;font-size:11px}
.calc-foot{padding:0 18px 18px}
.calc-foot .btn{padding:11px 20px}
.fine{font-size:11.5px;margin-top:9px}
table.sched th{padding:8px 10px}
table.sched td{padding:6px 10px}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr}}

/* timing figures two-up: same information, half the height */
.rows.disclose.timing{display:grid;grid-template-columns:1fr 1fr}
.rows.disclose.timing div{border-bottom:0;padding:5px 14px;gap:8px}
.rows.disclose.timing div:nth-child(-n+2){border-bottom:1px dashed var(--line)}
.rows.disclose.timing div:nth-child(odd){border-right:1px dashed var(--line)}
.rows.disclose.timing span:first-child{font-size:12px}
.rows.disclose.timing span:last-child{font-size:12.5px;text-align:right}