/*! it-tokens-v1.css
   The design tokens and base styles shared by sixteen pages. Every copy was byte identical, so a colour change meant sixteen edits. */
:root{--ink:#111111;--ink-soft:#6B7280;--ink-faint:#646C79;--ink-body:#374151;--border:#E5E7EB;--bg:#FCFCF9;--bg-alt:#FAFAFA;--card:#fff;--field-bg:#F9F9FB;--chip:#F4F4F5;--green-bg:#ECFDF5;--green-border:#A7F3D0;--green-text:#065F46;--green:#10B981;--amber-bg:#FFFBEB;--amber-border:#FDE68A;--amber-text:#92400E;--red-bg:#FEF2F2;--red-border:#FECACA;--red-text:#991B1B;--red:#EF4444;--blue:#3B82F6;--gray:#646C79;--card-shadow:0 1px 3px rgba(0,0,0,.05), 0 12px 32px rgba(0,0,0,.04);--paper:#FFFBF5;--field:#F9F9FB;--accent:#F26207;--accent-ink:#AC4D06;--shadow:0 1px 3px rgba(0,0,0,.05), 0 12px 32px rgba(0,0,0,.04);--radius:20px;}
/* ---- transplanted home header/footer ---- */
:focus-visible{outline:2px solid var(--ink);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:#111;color:#fff;padding:10px 16px;border-radius:0 0 8px 0}
.skip:focus{left:0}
/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:60;backdrop-filter:blur(16px);background:rgba(255,255,255,.9);border-bottom:1px solid var(--border)}
.header-inner{max-width:1280px;margin:0 auto;padding:0 16px;height:64px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.header-left{display:flex;align-items:center;min-width:0;flex:1}
.brand-logo{height:34px;width:auto}
@media (max-width:640px){.brand-logo{height:28px}}
nav.hnav{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:500;margin-left:32px}
nav.hnav>a{color:var(--ink-soft)}
nav.hnav>a:hover,nav.hnav>a.active{color:var(--ink)}
nav.hnav>a.active{font-weight:600}
.header-right{display:flex;align-items:center;gap:12px}
.contact-email{font-size:13px;color:var(--ink-faint)}
.nav-item{position:relative}
.nav-btn{display:flex;align-items:center;gap:5px;background:none;border:none;font-size:14px;font-weight:500;color:var(--ink-soft);cursor:pointer;padding:4px 0}
.nav-btn:hover,.nav-btn[aria-expanded="true"]{color:var(--ink)}
.nav-btn .chev{font-size:12px;transition:transform .15s}
.nav-btn[aria-expanded="true"] .chev{transform:rotate(180deg)}
.mega-wrap{position:absolute;top:34px;left:0;display:none;z-index:70}
.mega-wrap.open{display:block}
.mega-menu{display:flex;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);padding:14px;min-width:640px}
.mega-menu.single{flex-direction:column;min-width:260px;padding:8px}
.mega-col{flex:1;padding:0 12px;border-right:1px solid var(--chip)}
.mega-col:last-child{border-right:none}
.mega-col-head{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-faint);padding:6px 10px;margin-bottom:2px}
.menu-item{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:8px 10px;border-radius:8px;font-size:13px;font-weight:500;white-space:nowrap}
.menu-item:hover{background:var(--field)}
.menu-item.disabled{color:var(--ink-faint);cursor:default}
.menu-tag{font-size:9.5px;font-weight:700;text-transform:uppercase;padding:2px 6px;border-radius:9999px;flex-shrink:0}
.menu-tag.live{background:var(--green-bg);color:var(--green-text)}
.menu-tag.soon{background:var(--chip);color:var(--ink-faint)}
.burger{display:none;width:44px;height:44px;border-radius:9999px;background:var(--chip);border:1px solid var(--border);font-size:18px;cursor:pointer}
.mobile-nav{display:none;flex-direction:column;padding:12px 16px 20px;border-top:1px solid var(--border);background:#fff;max-height:70vh;overflow:auto}
.mobile-nav a{padding:10px 4px;font-size:14.5px;border-bottom:1px solid var(--chip)}
.mobile-nav .m-soon{padding:10px 4px;font-size:14.5px;color:var(--ink-faint);border-bottom:1px solid var(--chip)}
.mobile-nav .m-head{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-faint);margin:16px 0 4px}
@media (max-width:1000px){nav.hnav,.contact-email{display:none}
.burger{display:block}
.mobile-nav[data-open="1"]{display:flex}}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.tool:not(.soon):hover{border-color:var(--ink);transform:translateY(-2px);box-shadow:0 14px 34px -18px rgba(0,0,0,.3)}
.tool.soon{background:var(--field);border-style:dashed;opacity:.75}
.tg.soon{background:var(--chip);color:var(--ink-faint)}
/* ---------- footer ---------- */
.site-footer{background:#111;color:#fff}
.f-inner{max-width:1120px;margin:0 auto;padding:56px 20px 28px}
.f-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr 1fr;gap:34px}
@media (max-width:980px){.f-grid{grid-template-columns:repeat(2,1fr);gap:30px}}
@media (max-width:560px){.f-grid{grid-template-columns:1fr}}
.f-brand p{font-size:13.5px;line-height:1.7;color:rgba(255,255,255,.5);max-width:34ch;margin:14px 0 0}
.f-logo{display:inline-flex;background:#fff;border-radius:10px;padding:9px 12px}
.f-logo img{height:26px;width:auto}
.f-social{display:flex;gap:8px;margin-top:18px}
.soc{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.7)}
.soc:hover{background:rgba(255,255,255,.2);color:#fff}
.soc svg{width:15px;height:15px}
.f-head{font-size:10.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:11px}
.site-footer ul a{font-size:13.5px;color:rgba(255,255,255,.7)}
.site-footer ul a:hover{color:#fff}
.f-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:38px;padding-top:22px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;font-size:12.5px;color:rgba(255,255,255,.4)}
.f-note{display:flex;align-items:center;gap:8px}
.f-note .dot{width:8px;height:8px;border-radius:50%;background:#34D399}
.tpl-card:hover .tm,.tpl-card:focus-visible .tm{transform:translateY(-3px);box-shadow:0 14px 26px -12px rgba(0,0,0,.32)}
.tm .dot{width:5px;height:5px;border-radius:50%;border:1.4px solid;background:#fff}
:focus-visible{outline:2px solid var(--orange,#F26207);outline-offset:2px;border-radius:4px}@media (max-width:760px){.extras-grid{grid-template-columns:1fr!important}.steps-grid{grid-template-columns:1fr!important}.step-card{min-width:0}.formula-row code,.scale-dark{white-space:normal;word-break:break-word}}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
:focus-visible{outline:2px solid var(--accent,#F26207);outline-offset:2px;border-radius:4px}



/* the chrome came from a page with different base styles: restore what it assumes */
header.site ul,.site-footer ul{list-style:none;margin:0;padding:0}
header.site a,.site-footer a{text-decoration:none}
header.site button{background:none;border:0;font-family:inherit;cursor:pointer}
/* this page tightens body letter-spacing by -0.01em, which made every menu column about
   10% narrower than the same menu on the other tool pages */
header.site,.site-footer{letter-spacing:normal;color:var(--ink)}
header.site .mega-col-head,.site-footer .f-head{letter-spacing:.08em}
.site-footer,.site-footer a{color:inherit}
.site-footer{margin-top:56px}
@media (max-width:900px){.site-footer{margin-top:40px}}


/* ===== hero: the tool's name, then everything else stepped down ===== */
.lc-h1wrap{max-width:820px;margin:0 auto;padding:34px 24px 26px;text-align:center}
.lc-h1{margin:0;font-size:44px;line-height:1.08;font-weight:800;letter-spacing:-.035em;color:#111}
.lc-h1 span{color:#AC4D06}
.lc-h1lead{margin:14px auto 0;font-size:16.5px;line-height:1.55;font-weight:600;color:#374151;max-width:640px}
.lc-h1sub{margin:9px auto 0;font-size:13.5px;line-height:1.7;color:#5F6672;max-width:620px}
.lc-h1trust{margin:18px 0 0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:7px;justify-content:center}
.lc-h1trust li{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:600;color:#4B5563;
  background:#fff;border:1px solid #E7E3DA;border-radius:999px;padding:5px 11px}
.lc-h1trust svg{width:11px;height:11px;flex:0 0 11px;color:#AC4D06}
@media (max-width:1023px){.lc-h1wrap{padding:24px 16px 18px}.lc-h1{font-size:32px}
  .lc-h1lead{font-size:15px;margin-top:11px}.lc-h1sub{font-size:13px}.lc-h1trust{margin-top:14px}}
@media (max-width:520px){.lc-h1wrap{padding:20px 16px 14px}.lc-h1{font-size:27px;letter-spacing:-.03em}
  .lc-h1trust li{font-size:11px;padding:4px 9px}.lc-h1trust li:last-child{display:none}}
@media print{.lc-h1wrap{display:none!important}}


/* ===== what the repayment means for your invoicing ===== */
.lc-bill{max-width:1120px;margin:52px auto 0;padding:0 20px}
.lc-bill-lead{text-align:center;max-width:720px;margin:0 auto 26px}
.lc-bill-lead h2{margin:0 0 10px;font-size:clamp(23px,2.7vw,29px);font-weight:800;letter-spacing:-.02em;color:#111}
.lc-bill-lead p{margin:0;font-size:15px;line-height:1.65;color:#5F6672}
.lc-bill-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.lc-bill-card{background:#fff;border:1px solid #e4e4e7;border-radius:18px;padding:22px 24px}
.lc-bill-card h3{margin:0 0 8px;font-size:16px;font-weight:800;letter-spacing:-.01em;color:#111}
.lc-bill-card p{margin:0 0 12px;font-size:13.5px;line-height:1.7;color:#5F6672}
.lc-bill-card p:last-child{margin-bottom:0}
.lc-bill-card a{color:#AC4D06;text-decoration:underline;text-underline-offset:2px;font-weight:600}
.lc-sum{margin:0 0 12px;background:#f9f9f7;border:1px solid #e8e8e3;border-radius:12px;padding:12px 14px}
.lc-sum div{display:flex;justify-content:space-between;gap:12px;font-size:13px;padding:4px 0;color:#3f3f46}
.lc-sum div:last-child{border-top:1px solid #e8e8e3;margin-top:6px;padding-top:8px;font-weight:800;color:#111}
.lc-sum b{font-variant-numeric:tabular-nums}
@media (max-width:900px){.lc-bill{padding:0 16px;margin-top:40px}
  .lc-bill-grid{grid-template-columns:1fr;gap:14px}.lc-bill-card{padding:18px}}
@media print{.lc-bill{display:none!important}}


/* ===== borrow it, bill for it: what the repayment has to be paid out of ===== */
.lc-flow{max-width:1120px;margin:56px auto 0;padding:0 20px}
.lc-flow-in{background:#111;color:#fff;border-radius:22px;padding:32px 32px 28px}
.lc-flow h2{margin:0 0 8px;font-size:clamp(23px,2.7vw,29px);font-weight:800;letter-spacing:-.02em;color:#fff}
.lc-flow-sub{margin:0 0 24px;font-size:15px;line-height:1.65;color:#C9CDD4;max-width:70ch}
.lc-flow-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.lc-flow-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;
  padding:18px 20px;display:flex;flex-direction:column}
.lc-flow-step{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;
  border-radius:999px;background:#fff;color:#111;font-size:12px;font-weight:800;margin-bottom:10px}
.lc-flow-card h3{margin:0 0 6px;font-size:15.5px;font-weight:800;color:#fff}
.lc-flow-card p{margin:0 0 14px;font-size:13.5px;line-height:1.65;color:#C9CDD4}
.lc-cta{margin-top:auto;display:inline-flex;align-items:center;gap:7px;align-self:flex-start;background:#fff;
  color:#111;border-radius:999px;padding:9px 15px;font-size:13px;font-weight:700;
  transition:transform .15s ease,box-shadow .15s ease}
.lc-cta:hover{transform:translateY(-1px);box-shadow:0 12px 24px -14px rgba(0,0,0,.7)}
.lc-cta:focus-visible{outline:2px solid #F26207;outline-offset:3px}
.lc-here{margin-top:auto;align-self:flex-start;font-size:12.5px;font-weight:700;color:#fff;
  background:rgba(255,255,255,.14);border-radius:999px;padding:8px 14px}
.lc-flow-note{margin:22px 0 0;font-size:13px;line-height:1.7;color:#C9CDD4}
.lc-flow-note a{color:#fff;text-decoration:underline;text-underline-offset:2px;font-weight:600}
@media (max-width:900px){.lc-flow{padding:0 16px;margin-top:44px}
  .lc-flow-in{padding:24px 20px}.lc-flow-grid{grid-template-columns:1fr}}
@media print{.lc-flow{display:none!important}}


/* ===== export panel ===== */
.lx-overlay{position:fixed;inset:0;z-index:9000;background:rgba(17,17,17,.45);backdrop-filter:blur(3px);
  display:grid;place-items:center;padding:16px;overflow:auto}
.lx-overlay[hidden]{display:none}
.lx-card{background:#fff;border:1px solid #E9E6E0;border-radius:24px;padding:24px;width:100%;max-width:520px;
  box-shadow:0 40px 80px -30px rgba(17,17,17,.5);max-height:calc(100vh - 32px);overflow:auto;
  animation:lxIn .22s cubic-bezier(.2,.7,.3,1) both}
@keyframes lxIn{from{opacity:0;transform:translateY(10px) scale(.985)}to{opacity:1;transform:none}}
.lx-top{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.lx-badge{width:40px;height:40px;border-radius:999px;background:#111;color:#fff;display:grid;place-items:center;
  font-size:18px;font-weight:800}
.lx-x{width:34px;height:34px;border-radius:999px;background:#F4F1EA;color:#4B5563;font-size:20px;line-height:1;
  display:grid;place-items:center;border:0;cursor:pointer}
.lx-x:hover{background:#EBE7DE;color:#111}
.lx-title{margin:16px 0 0;font-size:20px;font-weight:800;letter-spacing:-.02em;color:#111}
.lx-sub{margin:5px 0 0;font-size:13px;line-height:1.6;color:#5F6672}
.lx-summary{margin-top:16px;background:#FAFAF9;border:1px solid #EFEBE3;border-radius:14px;padding:12px 14px}
.lx-row{display:flex;justify-content:space-between;gap:12px;font-size:13px;color:#5F6672;padding:3px 0}
.lx-row b{color:#111;font-weight:700;font-variant-numeric:tabular-nums}
.lx-row.total{border-top:1px solid #EFEBE3;margin-top:6px;padding-top:8px;font-size:14px}
.lx-grid{margin-top:18px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.lx-tile{min-height:74px;border:1px solid #E4DFD5;background:#FCFCFB;border-radius:14px;display:flex;
  flex-direction:column;align-items:center;justify-content:center;gap:7px;font-size:12px;font-weight:700;
  color:#111;cursor:pointer;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}
.lx-tile:hover{border-color:#111;transform:translateY(-1px);box-shadow:0 10px 22px -14px rgba(17,17,17,.3)}
.lx-tile:active{transform:translateY(0)}
.lx-tile:focus-visible{outline:2px solid #F26207;outline-offset:2px}
.lx-tile svg{width:20px;height:20px}
.lx-tile.dark{background:#111;color:#fff;border-color:#111}
.lx-tile.dark:hover{background:#000}
.lx-close{margin-top:12px;width:100%;min-height:46px;border-radius:999px;background:#F4F1EA;border:0;
  font-size:13px;font-weight:700;color:#4B5563;cursor:pointer}
.lx-close:hover{background:#EBE7DE;color:#111}
.lx-note{margin:10px 0 0;font-size:11.5px;line-height:1.6;color:#71717a;text-align:center}
#lxToast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,16px);z-index:9500;background:#111;
  color:#fff;padding:12px 20px;border-radius:999px;font-size:13.5px;font-weight:700;opacity:0;
  pointer-events:none;transition:opacity .2s ease,transform .2s ease;box-shadow:0 18px 40px -18px rgba(0,0,0,.7)}
#lxToast.show{opacity:1;transform:translate(-50%,0)}
@media (max-width:560px){
  .lx-card{padding:18px;border-radius:20px;max-height:calc(100vh - 24px)}
  .lx-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .lx-title{font-size:18px}
}
@media (pointer:coarse){ .lx-tile{min-height:80px} .lx-x{width:44px;height:44px} }
@media print{ .lx-overlay{display:none!important} }

/* ===== the moment it lands ===== */
.qg-confetti{position:fixed;inset:0;z-index:10000;pointer-events:none}
.qg-cheer{position:fixed;left:50%;top:26px;transform:translateX(-50%) translateY(-14px);z-index:10001;
  display:flex;align-items:center;gap:10px;padding:12px 18px;border-radius:999px;
  background:#111;color:#fff;font-size:14px;font-weight:600;
  box-shadow:0 18px 40px -16px rgba(0,0,0,.65);opacity:0;transition:opacity .25s ease,transform .25s ease}
.qg-cheer.in{opacity:1;transform:translateX(-50%) translateY(0)}
.qg-cheer-tick{width:20px;height:20px;border-radius:99px;background:#16A34A;position:relative;flex:0 0 20px}
.qg-cheer-tick::after{content:"";position:absolute;left:7px;top:4px;width:5px;height:9px;
  border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
@media (prefers-reduced-motion:reduce){
  .qg-cheer{transition:none}
}

/* ===== the export document: a sheet, not a screenshot ===== */
#lxDoc{position:fixed;left:-10000px;top:0;width:794px;background:#fff;color:#111;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;
  padding:52px 56px 44px;box-sizing:border-box;letter-spacing:normal}
#lxDoc *{box-sizing:border-box}
.lxd-top{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;
  padding-bottom:20px;border-bottom:2px solid #111}
.lxd-brand{font-size:15px;font-weight:800;letter-spacing:-.02em}
.lxd-brand span{display:block;margin-top:3px;font-size:11px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:#6B7280}
.lxd-meta{text-align:right;font-size:11.5px;line-height:1.7;color:#6B7280}
.lxd-meta b{display:block;font-size:13px;color:#111;font-weight:700}
.lxd-headline{margin-top:30px;display:flex;justify-content:space-between;align-items:flex-end;gap:24px}
.lxd-headline .k{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#6B7280}
.lxd-headline .v{margin-top:6px;font-size:46px;font-weight:800;letter-spacing:-.035em;line-height:1}
.lxd-headline .sub{margin-top:6px;font-size:13px;color:#6B7280}
.lxd-apr{border:2px solid #111;border-radius:14px;padding:12px 18px;text-align:right;min-width:170px}
.lxd-apr .k{font-size:10px}
.lxd-apr .v{margin-top:4px;font-size:26px;font-weight:800;letter-spacing:-.03em}
.lxd-cols{margin-top:30px;display:grid;grid-template-columns:1fr 1fr;gap:0 40px}
.lxd-col h3{margin:0 0 10px;font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:#6B7280;padding-bottom:8px;border-bottom:1px solid #E5E7EB}
.lxd-line{display:flex;justify-content:space-between;gap:16px;padding:8px 0;font-size:13px;
  border-bottom:1px solid #F3F4F6}
.lxd-line span{color:#4B5563}
.lxd-line b{font-weight:700;font-variant-numeric:tabular-nums}
.lxd-line.strong{border-bottom:2px solid #111;font-size:14px}
.lxd-split{margin-top:26px}
.lxd-split h3{margin:0 0 10px;font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#6B7280}
.lxd-bar{height:12px;border-radius:99px;overflow:hidden;display:flex;background:#F3F4F6}
.lxd-bar i{display:block;height:100%}
.lxd-bar .p{background:#111}
.lxd-bar .n{background:#B45309}
.lxd-key{margin-top:8px;display:flex;gap:20px;font-size:11.5px;color:#4B5563}
.lxd-key span{display:flex;align-items:center;gap:6px}
.lxd-key i{width:9px;height:9px;border-radius:99px;display:block}
.lxd-key .p{background:#111}
.lxd-key .n{background:#B45309}
.lxd-table{margin-top:28px;width:100%;border-collapse:collapse;font-size:12px}
.lxd-table caption{caption-side:top;text-align:left;font-size:10.5px;font-weight:800;letter-spacing:.14em;
  text-transform:uppercase;color:#6B7280;padding-bottom:10px}
.lxd-table th{text-align:right;font-size:10px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  color:#6B7280;padding:0 10px 8px;border-bottom:1px solid #111}
.lxd-table th:first-child,.lxd-table td:first-child{text-align:left}
.lxd-table td{padding:8px 10px;text-align:right;border-bottom:1px solid #F3F4F6;font-variant-numeric:tabular-nums}
/* a 30 year loan is 30 rows: tighten them so the sheet stays readable rather than sprawling */
#lxDoc.lxd-long .lxd-table td{padding:5px 10px;font-size:11px}
#lxDoc.lxd-long .lxd-table th{padding-bottom:6px}
.lxd-table tr:last-child td{border-bottom:1px solid #E5E7EB}
.lxd-foot{margin-top:30px;padding-top:16px;border-top:1px solid #E5E7EB;display:flex;
  justify-content:space-between;gap:20px;font-size:10.5px;line-height:1.7;color:#6B7280}
.lxd-foot b{color:#111}

/* Print uses the same sheet: everything else is hidden rather than reformatted */
@media print{
  body.lx-printing > *:not(#lxDoc){display:none!important}
  body.lx-printing #lxDoc{position:static!important;left:auto!important;width:100%!important;
    padding:0!important;display:block!important}
  @page{size:A4;margin:14mm}
}


/* ===== shortcut pills: label and arrow on one line ===== */
a[href="#full-calculator"]{
  display:inline-flex;align-items:center;gap:5px;white-space:nowrap;flex-shrink:0;
  line-height:1;padding:7px 12px;min-height:30px;
  transition:background-color .15s ease,color .15s ease,border-color .15s ease,transform .15s ease}
a[href="#full-calculator"]:hover{transform:translateY(-1px)}
a[href="#full-calculator"].bg-white:hover{border-color:#111;color:#111}
a[href="#full-calculator"].bg-zinc-900:hover{background:#000}
a[href="#full-calculator"] .lx-arrow{display:inline-block;transition:transform .15s ease}
a[href="#full-calculator"]:hover .lx-arrow{transform:translateX(2px)}
a[href="#full-calculator"]:focus-visible{outline:2px solid #F26207;outline-offset:2px}
/* the heading row beside them: let the title use the space instead of squeezing the pill */
.flex.justify-between.items-start,.flex.justify-between.items-center{gap:12px}
@media (pointer:coarse){ a[href="#full-calculator"]{min-height:38px;padding:9px 14px} }
/* One of these pills carries a whole sentence and sits in a flex row beside a heading, so on a
   narrow phone it ran off the screen. Below 480px the heading row stacks and the pill wraps. */
@media (max-width:480px){
  .flex.justify-between.items-center:has(> a[href="#full-calculator"]){flex-wrap:wrap;gap:8px}
  a[href="#full-calculator"]{white-space:normal;max-width:100%;text-align:left}
  a[href="#full-calculator"] .lx-arrow{flex:0 0 auto}
}


/* ===== the actions under the estimate ===== */
/* the estimate column is about 380px wide, so a single row of three pills wrapped awkwardly:
   Export takes the full width, Copy and Reset share the row beneath it */
.lc-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:20px}
.lc-actions button{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:46px;padding:12px 20px;border-radius:999px;font-size:14px;font-weight:700;
  letter-spacing:-.01em;cursor:pointer;white-space:nowrap;border:1.5px solid transparent;
  transition:transform .15s ease,box-shadow .15s ease,background-color .15s ease,border-color .15s ease}
.lc-actions button svg{width:17px;height:17px;flex:0 0 17px}
.lc-actions button:active{transform:translateY(0) scale(.99)}
.lc-actions button:focus-visible{outline:2px solid #F26207;outline-offset:3px}

/* Export is the point of the panel, so it carries the weight */
#exportBtn{grid-column:1 / -1;background:linear-gradient(180deg,#1C1C1C,#000);color:#fff;border-color:#111;
  box-shadow:0 2px 4px rgba(0,0,0,.2),0 14px 28px -14px rgba(0,0,0,.55)}
#exportBtn:hover{transform:translateY(-1px);box-shadow:0 4px 8px rgba(0,0,0,.22),0 18px 34px -14px rgba(0,0,0,.6)}
/* Copy is the secondary action */
#copyBtn{background:#fff;color:#111;border-color:#E4DFD5}
#copyBtn:hover{border-color:#111;transform:translateY(-1px);box-shadow:0 10px 22px -14px rgba(17,17,17,.35)}
/* Reset undoes work, so it stays quiet until you go looking for it */
#resetBtn{background:transparent;color:#71717a;border-color:transparent}
#resetBtn:hover{background:#F4F1EA;color:#111}

@media (max-width:560px){
  .lc-actions{gap:8px}
  .lc-actions button{min-height:50px;font-size:15px}
}


/* ===== phones, and web views inside an app ===== */
@media (max-width:900px){
  /* the calculator's two columns stack, and everything inside gets room to breathe */
  .grid.lg\:grid-cols-\[1\.15fr_0\.85fr\]{grid-template-columns:1fr!important;gap:16px!important;padding:16px!important}
  .grid.grid-cols-2{grid-template-columns:1fr 1fr}
  .max-w-\[1120px\]{padding-left:16px;padding-right:16px}
}
@media (max-width:560px){
  /* one column for paired fields: two 40 percent boxes side by side are unusable at this width */
  .grid.grid-cols-2{grid-template-columns:1fr!important}
  .grid.md\:grid-cols-2,.grid.md\:grid-cols-3{grid-template-columns:1fr!important}
}
/* iOS zooms the page when a focused field is under 16px, which breaks the layout mid-entry */
@media (max-width:900px){
  input,select,textarea{font-size:16px!important}
}
/* touch targets: 44px minimum on anything tappable */
@media (pointer:coarse){
  button,.loanTypeBtn,.amountPreset,.exampleBtn,.feeTimingBtn,.feeTypeBtn,
  .ld-chapter,.ld-play,.lc-cta,a.lc-cta{min-height:44px}
  .amountPreset,.exampleBtn{padding-top:10px;padding-bottom:10px}
  .loanTypeBtn{padding-top:10px;padding-bottom:10px;min-width:76px}
  input[type=number],input[type=date]{min-height:48px}
}
/* wide tables scroll inside their own box instead of stretching the page */
.lc-scroll-x{overflow-x:auto;-webkit-overflow-scrolling:touch;overscroll-behavior-x:contain}
.lc-scroll-x table{min-width:520px}
/* stop the grey flash on tap, keep a visible focus ring for keyboards */
*{-webkit-tap-highlight-color:transparent}
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{
  outline:2px solid #F26207;outline-offset:2px}
/* the sticky top strip eats a lot of a short screen, and its negative side margins
   ran it 4px past the viewport on a phone */
@media (max-width:640px){
  .sticky.top-0{position:static;margin-left:-16px;margin-right:-16px;padding-left:16px;padding-right:16px}
  .lc-h1wrap{padding-top:16px}
}
/* the demo is a teaching aid, not a control surface: keep it readable but out of the way */
@media (max-width:560px){
  .ld-grid{padding:12px}
  .ld-pay{font-size:26px}
  .ld-row{font-size:12.5px;padding:10px 12px}
}
/* the dark strip above the calculator: its label wrapped to three lines on a phone and the
   pill beside it collapsed into a tall blob */
@media (max-width:640px){
  .bg-zinc-900.text-white.px-5.py-3,.bg-zinc-900 > .uppercase.tracking-widest{line-height:1.45}
  .bg-white\/10.border.border-white\/20.rounded-full{white-space:nowrap;flex-shrink:0;align-self:flex-start}
}
/* "Enter details" and the loan type tabs sat on one cramped row */
@media (max-width:560px){
  .flex.justify-between.items-center:has(> .flex.bg-\[\#f2f2ee\]){flex-direction:column;align-items:stretch;gap:10px}
  .flex.bg-\[\#f2f2ee\].rounded-full{width:100%;justify-content:space-between}
  .flex.bg-\[\#f2f2ee\].rounded-full button{flex:1;text-align:center}
}
/* the four mini calculators sit in a grid with fixed padding; at 360px their inner fields
   pushed each card 9px past the viewport */
@media (max-width:400px){
  .border.rounded-xl.p-5{padding:14px}
  .grid.md\:grid-cols-2 > .border,.grid.md\:grid-cols-3 > .border{min-width:0}
  .grid > *{min-width:0}
}

/* comfortable line lengths and no cramped edges on the written sections */
@media (max-width:640px){
  .lc-bill-card p,.lc-faq-list p{font-size:14px;line-height:1.75}
  .lc-flow-in{border-radius:18px}
}