/* Luottiva — design system
   Cobalt, apricot and Nordic light. Manrope headings, Source Sans 3 text.
   Signature: the calculation passport with one money rail for every amount. */

@font-face { font-family: "Manrope"; src: url("/assets/fonts/manrope-latin.e310b55a7f.woff2") format("woff2"); font-weight: 200 800; font-style: normal; font-display: swap; }
@font-face { font-family: "Source Sans 3"; src: url("/assets/fonts/source-sans-3-latin.587435ca9d.woff2") format("woff2"); font-weight: 200 900; font-style: normal; font-display: swap; }

:root {
  --ink: #172D54;
  --ink-2: #52627B;
  --paper: #FFFFFF;
  --surface: #FFFFFF;
  --mist: #EDF1FA;
  --mist-2: #D8E1F4;
  --accent: #2544BC;
  --accent-strong: #193389;
  --accent-soft: #EDF1FA;
  --sky: #99B8EF;
  --apricot: #FFB787;
  --apricot-deep: #CA855A;
  --warm-ink: #9B5130;
  --rule: #DCE3EE;
  --line: #7C8CA5;
  --error: #A3232E;
  --good: #2F6B3F;
  --focus: #1D4ED8;

  --font-display: "Manrope", "Segoe UI", sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", Arial, sans-serif;

  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: clamp(1.4rem, 1.1rem + 1vw, 1.75rem);
  --step-3: clamp(1.6rem, 1.2rem + 1.6vw, 2.25rem);
  --step-h1: clamp(2rem, 3.7vw, 3.45rem);

  --r-field: 10px;
  --r-calc: 20px;
  --r-table: 6px;
  --gutter: 20px;
  --wrap: 1200px;
  --header-h: 64px;
  --shadow: 0 8px 35px -18px rgba(23,45,84,.16);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --t-fast: 140ms;
}

@media (min-width: 768px) {
  :root { --gutter: 32px; --step-0: 1.125rem; --header-h: 76px; }
}

/* ---------- Base ---------- */

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: 16px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.55;
  font-variant-numeric: tabular-nums;
  overflow-wrap: break-word;
}
img, svg { display: block; max-width: 100%; height: auto; }
.ico { width: 1.25em; height: 1.25em; flex: none; }
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 0.18em; }
a:hover { color: var(--accent-strong); text-decoration-thickness: 2px; }
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.15; color: var(--ink); letter-spacing: -0.01em; margin: 0; }
h1 { font-size: var(--step-h1); line-height: 1.1; letter-spacing: -0.02em; }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-1); line-height: 1.25; }
p { margin: 0 0 1em; }
strong { font-weight: 600; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }
[hidden] { display: none !important; }
:target { scroll-margin-top: 24px; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; border: 0;
}
.wrap { width: 100%; max-width: calc(var(--wrap) + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }

.no-js .js-only { display: none !important; }
.js .no-js-only { display: none !important; }

.skip {
  position: absolute; left: 12px; top: -80px; z-index: 50;
  background: var(--accent); color: #fff; padding: 12px 18px; border-radius: var(--r-field); font-weight: 600;
}
.skip:focus { top: 12px; color: #fff; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5em;
  min-height: 48px; padding: 0.55em 1.2em; border-radius: var(--r-field);
  font-weight: 600; font-size: 1rem; line-height: 1.2; text-decoration: none; cursor: pointer;
  border: 1.5px solid transparent; transition: background-color var(--t-fast) var(--ease), border-color var(--t-fast), color var(--t-fast);
}
.btn--primary { background: var(--accent); color: #fff; }
.btn--primary:hover { background: var(--accent-strong); color: #fff; }
.btn--line { background: var(--surface); color: var(--accent); border-color: var(--accent); }
.btn--line:hover { background: var(--accent-soft); color: var(--accent-strong); }
.btn--link { background: none; color: var(--accent); padding-inline: 0.25em; text-decoration: underline; text-underline-offset: 0.2em; }
.btn--link .ico { transition: transform var(--t-fast) var(--ease); }
.btn--link:hover .ico { transform: translateX(3px); }
.btn--danger { background: var(--surface); color: var(--error); border-color: var(--error); }
.btn--danger:hover { background: #FBEDEE; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; }

/* ---------- Header ---------- */

.site-header { background: var(--surface); border-bottom: 1px solid var(--rule); position: relative; z-index: 20; }
.site-header__inner { display: flex; align-items: center; gap: 24px; min-height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--accent-strong); margin-right: auto; }
.brand:hover { color: var(--accent-strong); }
.brand__mark { width: 34px; height: 34px; }
.brand__word { font-family: var(--font-display); font-weight: 600; font-size: 1.6rem; letter-spacing: -0.02em; line-height: 1; padding-bottom: 3px; }

.site-nav__list { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.site-nav__list a {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 12px;
  color: var(--ink); font-weight: 600; text-decoration: none; position: relative;
}
.site-nav__list a::after {
  content: ""; position: absolute; left: 12px; right: 12px; bottom: 6px; height: 3px; border-radius: 2px;
  background: var(--apricot); transform: scaleX(0); transform-origin: left; transition: transform var(--t-fast) var(--ease);
}
.site-nav__list a:hover::after, .site-nav__list a[aria-current]::after { transform: scaleX(1); }
.site-nav__extra { display: none; }
.lang-switch { display: flex; align-items: center; gap: 2px; font-weight: 600; font-size: 0.95rem; }
.lang-switch__item { display: inline-flex; align-items: center; justify-content: center; min-width: 44px; min-height: 44px; border-radius: 8px; color: var(--ink-2); text-decoration: none; }
.lang-switch__item[aria-current] { color: var(--accent-strong); background: var(--accent-soft); }
a.lang-switch__item:hover { background: var(--mist); color: var(--accent-strong); }
.menu-toggle {
  display: none; align-items: center; gap: 8px; min-height: 44px; padding: 0 14px;
  background: var(--surface); border: 1.5px solid var(--rule); border-radius: var(--r-field); font-weight: 600; cursor: pointer;
}
.menu-toggle__close { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle__open { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle__close { display: block; }

@media (max-width: 1079px) {
  .site-header__cta, .lang-switch { display: none; }
  .js .menu-toggle { display: inline-flex; }
  .js .site-nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: var(--surface); border-bottom: 1px solid var(--rule); box-shadow: 0 24px 40px -28px rgba(36, 27, 34, 0.5);
    padding: 8px var(--gutter) 24px;
  }
  .js .site-nav.is-open { display: block; }
  .site-nav__list { flex-direction: column; gap: 0; }
  .site-nav__list li + li { border-top: 1px solid var(--rule); }
  .site-nav__list a { min-height: 56px; padding: 0 4px; font-size: 1.15rem; width: 100%; }
  .site-nav__list a::after { left: 4px; right: auto; width: 32px; bottom: 10px; }
  .site-nav__extra { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 24px; padding-top: 16px; }
  .site-nav__lang { font-weight: 600; min-height: 44px; display: inline-flex; align-items: center; }
  .no-js .site-header__inner { flex-wrap: wrap; padding-block: 8px; }
  .no-js .site-nav { width: 100%; order: 3; }
  .no-js .site-nav__list { flex-direction: row; flex-wrap: wrap; }
  .no-js .site-nav__list li + li { border-top: 0; }
  .no-js .site-nav__list a { min-height: 44px; font-size: 1rem; width: auto; }
}

/* ---------- Breadcrumbs ---------- */

.crumbs { padding-top: 20px; font-size: var(--step--1); }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 4px 0; list-style: none; margin: 0; padding: 0; color: var(--ink-2); }
.crumbs li + li::before { content: "/"; margin: 0 10px; color: var(--line); }
.crumbs a { color: var(--ink-2); }
.crumbs a:hover { color: var(--accent); }

/* ---------- Page head ---------- */

.page-head { padding-block: 28px 40px; }
.page-head__grid { display: grid; gap: 32px; }
.page-head__text { max-width: 44rem; }
.kicker {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: 14px;
  font-size: var(--step--1); font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--accent);
}
.kicker::before { content: none; }
.lead { font-size: var(--step-1); line-height: 1.5; color: var(--ink-2); margin-top: 18px; max-width: 38rem; }
.page-head__meta { color: var(--ink-2); font-size: var(--step--1); margin-top: 14px; }
.page-head__intro { margin-top: 20px; }
.page-head--home { padding-top: 40px; }
.page-head__aside { display: grid; gap: 16px; min-width: 0; }
.grid-table--loans td, .grid-table--loans th[scope="row"] { white-space: nowrap; }
.grid-table--loans td { text-align: right; }

/* Narrow screens: the calculator follows the heading and lead; the points come after it. */
@media (max-width: 999px) {
  .page-head--split .page-head__grid { gap: 0; }
  .page-head--split .page-head__text { display: contents; }
  .page-head--split .page-head__aside { order: 1; margin-top: 24px; }
  .page-head--split .page-head__intro { order: 2; margin-top: 28px; }
  .page-head--split .lead { font-size: 1.125rem; margin-top: 12px; }
}
@media (min-width: 1000px) {
  .page-head--split .page-head__grid { grid-template-columns: 5fr 7fr; align-items: start; gap: 48px; }
  .page-head--split .page-head__text { padding-top: 24px; position: static; }
  .page-head { padding-block: 36px 56px; }
}

.intro-points { list-style: none; margin: 24px 0 0; padding: 0; display: grid; gap: 12px; }
.intro-points li { display: grid; grid-template-columns: 28px 1fr; gap: 10px; align-items: start; color: var(--ink); }
.intro-points .ico { color: var(--accent); width: 24px; height: 24px; margin-top: 2px; }

/* ---------- Bands ---------- */

.band { padding-block: 56px; }
@media (min-width: 768px) { .band { padding-block: 80px; } }
.band--mist { background: var(--mist); }
.band.band--tight { padding-block: 16px 48px; }
.band--surface { background: var(--surface); border-block: 1px solid var(--rule); }
.band--ink { background: var(--accent-strong); color: #F2F6FF; --focus: var(--apricot); }
.band--ink h2, .band--ink h3 { color: #fff; }
.band--ink a { color: #fff; }
.band--ink .lead, .band--ink p { color: #DBE5F7; }
.section-title { margin-bottom: 12px; }
.section-title--small { font-size: var(--step-2); }
.section-lead { color: var(--ink-2); font-size: var(--step-1); max-width: 40rem; margin-bottom: 32px; }
.band--ink .section-lead { color: #DBE5F7; }
.split { display: grid; gap: 32px; }
.split > *, .page-head__grid > *, .prose-layout > * { min-width: 0; }
@media (min-width: 900px) {
  .split { grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }
  .split--even { grid-template-columns: 1fr 1fr; }
  .split--reverse { grid-template-columns: 7fr 5fr; }
}

/* ---------- Calculator ---------- */

.calc {
  container-type: inline-size;
  background: var(--surface); border: 1px solid var(--rule); border-radius: var(--r-calc);
  box-shadow: var(--shadow); overflow: clip;
}
.calc__bar {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 16px 20px; border-bottom: 1px solid var(--rule); background: var(--surface);
}
.calc__title { font-size: 1.2rem; }
.calc__saved { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: 0.95rem; min-height: 44px; }
.calc__saved .ico { width: 18px; height: 18px; }
.calc__grid { display: grid; }
.calc__form { padding: 20px; display: grid; gap: 18px; align-content: start; }
.calc__out { padding: 0 20px 20px; }
.calc__nojs { margin: 16px 20px 0; padding: 12px 14px; background: var(--mist); border-radius: 8px; font-size: 0.95rem; color: var(--ink-2); }
.calc__stale { margin: 0; padding: 12px 14px; border-radius: 8px; background: #FBEDEE; color: var(--error); font-weight: 600; font-size: 0.95rem; }

@container (min-width: 560px) {
  .calc__form:not(.calc__form--row) { grid-template-columns: 1fr 1fr; gap: 20px; }
  .calc__form .calc__stale { grid-column: 1 / -1; }
}
@container (min-width: 860px) {
  .calc--full .calc__grid, .calc--rev .calc__grid { grid-template-columns: minmax(300px, 5fr) 7fr; }
  .calc--full .calc__form, .calc--rev .calc__form { grid-template-columns: 1fr; position: sticky; top: 0; align-self: start; }
  .calc--full .calc__out, .calc--rev .calc__out { padding: 20px 24px; border-left: 1px solid var(--rule); }
}
.calc__form--row { grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); align-items: start; }

.field { display: grid; gap: 6px; align-content: start; min-width: 0; }
.field__label { font-weight: 600; font-size: 1rem; }
.field__opt { font-weight: 400; color: var(--ink-2); }
.field__row { display: flex; gap: 6px; align-items: stretch; }
.field__box { position: relative; flex: 1; min-width: 0; }
.field__box input {
  width: 100%; height: 52px; padding: 0 3.2em 0 14px;
  border: 1.5px solid var(--line); border-radius: var(--r-field); background: var(--surface);
  font-size: 1.25rem; font-weight: 600; font-variant-numeric: tabular-nums; letter-spacing: 0.01em;
}
.field__box input:hover { border-color: var(--ink-2); }
.field__box input:focus-visible { outline-offset: 2px; border-color: var(--accent); }
.field__box input[aria-invalid="true"] { border-color: var(--error); border-width: 2px; background: #FFF8F8; }
.field__unit { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--ink-2); font-weight: 600; pointer-events: none; }
.field__step {
  flex: none; width: 48px; display: grid; place-items: center; cursor: pointer;
  background: var(--surface); border: 1.5px solid var(--rule); border-radius: var(--r-field); color: var(--accent);
}
.field__step:hover { border-color: var(--accent); background: var(--accent-soft); }
.field__step .ico { width: 20px; height: 20px; }
.field__hint { margin: 0; font-size: var(--step--1); color: var(--ink-2); }
.field__error { margin: 0; font-size: 0.95rem; font-weight: 600; color: var(--error); display: flex; gap: 6px; }
.field__error::before { content: "!"; flex: none; display: inline-grid; place-items: center; width: 1.25em; height: 1.25em; border-radius: 50%; background: var(--error); color: #fff; font-size: 0.8em; margin-top: 0.15em; }

.field__range { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; margin: 2px 0 0; cursor: pointer; --fill: 50%; }
.field__range::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(to right, var(--accent) var(--fill), var(--mist-2) var(--fill)); }
.field__range::-moz-range-track { height: 6px; border-radius: 3px; background: var(--mist-2); }
.field__range::-moz-range-progress { height: 6px; border-radius: 3px; background: var(--accent); }
.field__range::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 0 0 1.5px var(--accent); }
.field__range::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 0 0 1.5px var(--accent); }

/* Passport: key figures, cost bar and the ledger with one money rail */
.passport { display: grid; gap: 18px; transition: opacity var(--t-fast) var(--ease); }
.passport[data-state="stale"] { opacity: 0.38; filter: grayscale(0.6); }
.passport__head { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 4px 16px; padding-top: 4px; }
.passport__kicker { margin: 0; font-weight: 600; font-size: 0.95rem; color: var(--accent); }
.passport__meta { margin: 0; font-size: var(--step--1); color: var(--ink-2); }
.passport__key { display: grid; grid-template-columns: 1fr 1fr; border-block: 1.5px solid var(--ink); }
.keyfig { margin: 0; padding: 14px 14px 14px 0; display: grid; gap: 2px; }
.keyfig + .keyfig { padding-left: 16px; border-left: 1px solid var(--rule); }
.keyfig__label { font-size: 0.95rem; font-weight: 600; color: var(--ink-2); }
.keyfig__value { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.75rem, 5.2cqi, 2.6rem); line-height: 1.05; color: var(--accent-strong); letter-spacing: -0.02em; white-space: nowrap; }
.keyfig__sub { font-size: var(--step--1); color: var(--ink-2); }
.keyfig--total .keyfig__value { color: var(--ink); }
@container (max-width: 380px) {
  .passport__key { grid-template-columns: 1fr; }
  .keyfig + .keyfig { padding-left: 0; border-left: 0; border-top: 1px solid var(--rule); }
}

.costbar { margin: 0; display: grid; gap: 8px; }
.costbar__track, .variant__bar { display: flex; height: 14px; border-radius: 7px; overflow: hidden; background: var(--mist-2); gap: 2px; }
.costbar__principal { background: var(--accent); }
.costbar__cost { background: repeating-linear-gradient(-45deg, var(--apricot) 0 5px, var(--apricot-deep) 5px 7px); }
.costbar__legend { display: flex; flex-wrap: wrap; gap: 4px 16px; font-size: var(--step--1); color: var(--ink-2); }
.costbar__key { display: inline-flex; align-items: center; gap: 6px; }
.costbar__key::before { content: ""; width: 12px; height: 12px; border-radius: 3px; background: var(--accent); }
.costbar__key--cost::before { background: repeating-linear-gradient(-45deg, var(--apricot) 0 3px, var(--apricot-deep) 3px 4px); }
.costbar__per100 { flex-basis: 100%; color: var(--ink); font-weight: 600; }

.ledger { display: grid; grid-template-columns: 1fr minmax(8.5em, max-content); column-gap: 0; }
.ledger dl { display: contents; }
.ledger__row { display: contents; }
.ledger__title {
  grid-column: 1 / -1; margin: 14px 0 4px; font-size: 0.78rem; font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--ink-2);
}
.ledger__title:first-child { margin-top: 0; }
.ledger dt, .ledger dd { padding: 7px 0; border-bottom: 1px solid var(--rule); margin: 0; }
.ledger dt { padding-right: 12px; font-size: 0.98rem; }
.ledger dd { padding-left: 14px; border-left: 2px solid var(--accent-soft); text-align: right; font-weight: 600; white-space: nowrap; }
.ledger__note { display: block; font-size: var(--step--1); color: var(--ink-2); }
.ledger__row[data-strong] dt, .ledger__row[data-strong] dd { font-weight: 700; border-bottom-color: var(--ink); }
.ledger__row[data-strong] dd { border-left-color: var(--accent); color: var(--accent-strong); }

.passport__warning, .ksl-warning, .rep__warn {
  margin: 0; padding: 10px 14px; display: flex; align-items: center; gap: 10px;
  border: 1px solid var(--apricot-deep); border-radius: 10px; background: #FFF4EB; font-weight: 700; color: var(--ink);
}
.passport__warning::before, .ksl-warning::before, .rep__warn::before {
  content: "!"; flex: none; display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%;
  background: var(--apricot); color: var(--ink); font-size: 0.85rem; font-weight: 700;
}
.passport__fine { margin: 0; font-size: var(--step--1); color: var(--ink-2); }

.calc__actions { padding: 16px 20px 20px; border-top: 1px solid var(--rule); display: grid; gap: 10px; }
.calc__buttons { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 12px; }
.calc__buttons .ico { width: 18px; height: 18px; }
.calc__savenote { margin: 0; font-size: var(--step--1); color: var(--ink-2); max-width: 44rem; }
.calc__msg { margin: 0; font-size: 0.95rem; font-weight: 600; color: var(--good); }
.calc__msg[data-tone="warn"] { color: var(--error); }
.calc__msg:empty { display: none; }

.calc__schedule { border-top: 1px solid var(--rule); }
.calc__schedule summary {
  list-style: none; display: flex; align-items: center; gap: 12px; padding: 16px 20px; min-height: 56px;
  cursor: pointer; font-weight: 600; color: var(--accent-strong);
}
.calc__schedule summary::-webkit-details-marker { display: none; }
.calc__schedule summary:hover { background: var(--accent-soft); }
.calc__schedule-meta { margin-left: auto; font-size: 0.95rem; color: var(--ink-2); font-weight: 400; }
.calc__schedule summary .ico { transition: transform var(--t-fast) var(--ease); }
.calc__schedule[open] summary .ico { transform: rotate(180deg); }
.calc__schedule > div { padding: 0 20px 20px; }

/* Schedule table */
.sched-wrap { overflow-x: auto; border: 1px solid var(--rule); border-radius: var(--r-table); }
.sched { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
.sched caption { text-align: left; padding: 10px 12px; font-weight: 600; color: var(--ink-2); font-size: var(--step--1); }
.sched th, .sched td { padding: 8px 12px; text-align: right; white-space: nowrap; border-top: 1px solid var(--rule); }
.sched thead th { font-size: var(--step--1); color: var(--ink-2); font-weight: 600; background: var(--mist); position: sticky; top: 0; }
.sched th[scope="row"], .sched thead th:first-child { text-align: left; font-weight: 600; color: var(--ink-2); }
.sched tbody tr:nth-child(even) { background: #F6F8FC; }
.sched .sched__pay { font-weight: 600; color: var(--accent-strong); }
.sched tfoot th, .sched tfoot td { font-weight: 700; border-top: 1.5px solid var(--ink); background: var(--surface); }
.fineprint { font-size: var(--step--1); color: var(--ink-2); margin: 10px 0 0; }

@container (max-width: 520px) {
  .sched-wrap { border: 0; overflow: visible; }
  .sched thead { display: none; }
  .sched, .sched tbody, .sched tfoot { display: block; }
  .sched tr { display: grid; grid-template-columns: auto 1fr auto; gap: 2px 12px; padding: 10px 0; border-top: 1px solid var(--rule); background: none !important; }
  .sched th, .sched td { border: 0; padding: 0; text-align: left; }
  .sched td::before { content: attr(data-label) " "; color: var(--ink-2); font-weight: 400; font-size: 0.85em; }
  .sched tr > :nth-child(n+3) { grid-column: 1 / -1; display: flex; justify-content: space-between; font-size: 0.9rem; }
  .sched tr > .sched__pay { grid-column: 3; grid-row: 1; justify-self: end; font-size: 1rem; }
  .sched tr > .sched__pay::before { content: none; }
  .sched--nodates tr > :nth-child(n+2) { grid-column: 1 / -1; }
  .sched--nodates tr > .sched__pay { grid-column: 3; grid-row: 1; }
  .sched tfoot tr { border-top: 1.5px solid var(--ink); }
}

/* Balance chart */
.chart { margin: 0; padding: 4px 20px 16px; }
.chart__title { font-weight: 600; margin-bottom: 8px; }
.chart__svg { width: 100%; height: 160px; }
.chart__area { fill: var(--accent-soft); }
.chart__line { fill: none; stroke: var(--accent); stroke-width: 2.5; }
.chart__base { stroke: var(--ink); stroke-width: 1; }
.chart__axis { display: flex; justify-content: space-between; font-size: var(--step--1); color: var(--ink-2); }
.chart__summary { margin: 6px 0 0; font-size: 0.95rem; }

/* Term comparison */
.variants { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.variant { border: 1px solid var(--rule); border-radius: 12px; padding: 16px; display: grid; gap: 10px; align-content: start; background: var(--surface); }
.variant:first-child { border-color: var(--accent); box-shadow: inset 0 3px 0 var(--accent); }
.variant__title { font-size: 1.35rem; }
.variant__tag { margin: 0; font-size: var(--step--1); color: var(--ink-2); min-height: 2.6em; }
.variant__tag--diff { color: var(--ink); font-weight: 600; }
.variant__list { display: grid; grid-template-columns: 1fr max-content; margin: 0; }
.variant__list .ledger__row { display: contents; }
.variant__list dt, .variant__list dd { margin: 0; padding: 6px 0; border-bottom: 1px solid var(--rule); }
.variant__list dd { text-align: right; font-weight: 600; padding-left: 12px; }
.variant__list .ledger__row[data-strong] dt, .variant__list .ledger__row[data-strong] dd { font-weight: 700; border-bottom: 0; color: var(--accent-strong); }
.variants__note { margin: 16px 0 0; font-size: 0.95rem; color: var(--ink-2); max-width: 46rem; }
.calc--compare .calc__out { padding-top: 20px; }
.termcost__caption { font-weight: 600; margin-bottom: 12px; }

/* Revolving + consolidation tables */
.rev-table-wrap { overflow-x: auto; }
.rev-table { width: 100%; border-collapse: collapse; font-size: 0.98rem; }
.rev-table th, .rev-table td { padding: 9px 0 9px 12px; text-align: right; border-bottom: 1px solid var(--rule); vertical-align: top; }
.rev-table thead th { font-size: 0.9rem; color: var(--accent-strong); border-bottom: 1.5px solid var(--ink); }
.rev-table tbody th { text-align: left; font-weight: 400; padding-left: 0; }
.rev-table td { font-weight: 600; white-space: nowrap; }
.rev-table tr[data-strong] th, .rev-table tr[data-strong] td { font-weight: 700; color: var(--accent-strong); border-bottom: 1.5px solid var(--ink); }
.rev-note, .verdict { margin: 14px 0 0; padding: 12px 14px; border-radius: 8px; font-weight: 600; background: var(--mist); }
.rev-note[data-tone="good"], .verdict[data-tone="good"] { background: #EDF5EF; color: var(--good); }
.verdict[data-tone="bad"] { background: #FBEDEE; color: var(--error); }
.verdict { margin: 0 0 14px; }

.cons { padding: 20px; display: grid; gap: 18px; }
.cons__debts { display: grid; gap: 16px; }
.debt, .cons__new { border: 1px solid var(--rule); border-radius: 12px; padding: 16px; margin: 0; display: grid; gap: 14px; min-width: 0; }
.debt legend, .cons__new > legend { font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; padding: 0 6px; }
.debt__grid { display: grid; gap: 14px; }
@container (min-width: 620px) { .debt__grid { grid-template-columns: 1fr 1fr; } }
.debt__remove { justify-self: start; color: var(--error); }
.cons__max { margin: 0; color: var(--ink-2); font-size: 0.95rem; }
.cons__out:empty { display: none; }
.cons__out { padding-top: 0; }
.choice { border: 0; padding: 0; margin: 0; display: grid; gap: 8px; }
.choice legend { font-weight: 600; margin-bottom: 6px; padding: 0; }
.choice label { display: flex; align-items: center; gap: 10px; min-height: 44px; cursor: pointer; }
.choice input { width: 20px; height: 20px; accent-color: var(--accent); }

/* APR calculator and offer comparison */
.apr-effect { margin: 0; padding: 12px 14px; border-radius: 10px; background: var(--accent-soft); font-weight: 600; color: var(--accent-strong); }
.checks { list-style: none; margin: 14px 0 0; padding: 0; display: grid; gap: 8px; }
.checks li { position: relative; padding: 10px 12px 10px 40px; border-radius: 10px; border: 1px solid var(--rule); background: var(--surface); font-size: 0.95rem; }
.checks li::before { content: ""; position: absolute; left: 14px; top: 0.95em; width: 14px; height: 8px; border-left: 2.5px solid var(--good); border-bottom: 2.5px solid var(--good); transform: rotate(-45deg); }
.checks li[data-tone="warn"] { border-color: var(--apricot-deep); background: #FFF4EB; }
.checks li[data-tone="warn"]::before { content: "!"; transform: none; border: 0; width: 20px; height: 20px; left: 10px; top: 10px; border-radius: 50%; background: var(--apricot); color: var(--ink); font-weight: 700; font-size: 0.8rem; display: grid; place-items: center; }
.calc--apr .calc__out, .calc--offer .calc__out { padding-top: 20px; }
.calc__form--apr { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)) !important; }
.calc__form--apr .choice, .calc__form--apr .calc__stale, .calc__form--apr .calc__wide { grid-column: 1 / -1; }
.calc--prepay .verdict { display: flex; flex-wrap: wrap; gap: 8px 28px; }
.calc--prepay .variant__list { grid-template-columns: minmax(0,1fr) max-content; max-width: 46rem; }
.prepay-chart { margin: 28px 0; max-width: 46rem; }
.prepay-chart figcaption { font-weight: 600; }
.prepay-chart svg { display: block; width: 100%; height: auto; margin-top: 12px; }
.prepay-legend { display: flex; flex-wrap: wrap; gap: 8px 24px; font-size: .875rem; }
.prepay-axis { display: flex; justify-content: space-between; margin: 0 8px 8px; font-size: .8125rem; }
.prepay-scroll-note { display: none; }
@media (max-width: 600px) { .prepay-scroll-note { display: block; } }
.prepay-legend span::before { content: ''; display: inline-block; width: 24px; margin-right: 8px; border-top: 3px dashed #63738e; vertical-align: middle; }
.prepay-legend span + span::before { border-top: 3px solid #224add; }
.prepay-schedule { margin: 0 20px 20px; }
.prepay-schedule summary { cursor: pointer; padding: 14px 0; font-weight: 600; }
.offer-run { justify-self: start; }

/* Representative example */
.rep { border: 1.5px solid var(--ink); border-radius: 12px; padding: 18px 20px; background: var(--surface); display: grid; gap: 10px; }
.rep__title { margin: 0; display: flex; align-items: center; gap: 8px; font-weight: 700; color: var(--accent-strong); }
.rep__text { margin: 0; }
.rep__meta { margin: 0; font-size: var(--step--1); color: var(--ink-2); }

/* Models (three loan types) */
.models { border-top: 1.5px solid var(--ink); }
.model {
  display: grid; grid-template-columns: 48px 1fr; gap: 4px 16px; align-items: center;
  padding: 20px 4px; border-bottom: 1px solid var(--rule); color: var(--ink); text-decoration: none;
  transition: background-color var(--t-fast) var(--ease);
}
.model:hover { background: var(--accent-soft); color: var(--ink); }
.model__icon { grid-row: span 2; width: 48px; height: 48px; border-radius: 50%; background: var(--accent-soft); color: var(--accent); display: grid; place-items: center; }
.model:hover .model__icon { background: var(--surface); }
.model__name { font-family: var(--font-display); font-weight: 600; font-size: 1.4rem; }
.model__task { color: var(--ink-2); grid-column: 2; }
.model__range, .model__rate { grid-column: 2; font-weight: 600; }
.model__go { grid-column: 2; display: inline-flex; align-items: center; gap: 8px; color: var(--accent); font-weight: 600; text-decoration: underline; text-underline-offset: 0.2em; }
@media (min-width: 960px) {
  .model { grid-template-columns: 48px 13rem 1fr 11rem 7.5rem 13rem; gap: 20px; padding: 22px 8px; }
  .model__icon { grid-row: auto; }
  .model__task, .model__range, .model__rate, .model__go { grid-column: auto; }
  .model__go { justify-content: flex-end; }
}

/* Steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 24px; counter-reset: step; }
@media (min-width: 800px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 40px; } }
.steps li { counter-increment: step; padding-top: 18px; border-top: 1.5px solid var(--ink); }
.steps li::before { content: counter(step); display: block; font-family: var(--font-display); font-weight: 600; font-size: 2.6rem; line-height: 1; color: var(--accent); margin-bottom: 10px; }
.steps h3 { margin-bottom: 8px; }
.steps p { color: var(--ink-2); margin: 0; }

/* Facts (definition lists in two columns) */
.facts { margin: 0; display: grid; gap: 0; border-top: 1.5px solid var(--ink); }
.facts > div { display: grid; gap: 4px 24px; padding: 16px 0; border-bottom: 1px solid var(--rule); }
@media (min-width: 720px) { .facts > div { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); } }
.facts dt { font-weight: 600; }
.facts dd { margin: 0; color: var(--ink-2); }
.facts dd strong { color: var(--ink); }
.band--ink .facts { border-top-color: #fff; }
.band--ink .facts > div { border-bottom-color: rgba(255, 255, 255, 0.2); }
.band--ink .facts dd, .band--ink .facts dt { color: #F2F6FF; }

/* Topics, guides, related */
.topics { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1.5px solid var(--ink); }
@media (min-width: 760px) { .topics { grid-template-columns: 1fr 1fr; column-gap: 40px; } }
.topic { display: grid; grid-template-columns: 40px 1fr; gap: 2px 14px; padding: 16px 4px; border-bottom: 1px solid var(--rule); text-decoration: none; color: var(--ink); height: 100%; }
.topic:hover { background: var(--accent-soft); color: var(--ink); }
.topic__icon { grid-row: span 2; color: var(--accent); width: 40px; height: 40px; border-radius: 10px; background: var(--accent-soft); display: grid; place-items: center; }
.topic:hover .topic__icon { background: var(--surface); }
.topic__title { font-weight: 600; color: var(--accent-strong); text-decoration: underline; text-underline-offset: 0.2em; text-decoration-thickness: 1px; }
.topic__sum { color: var(--ink-2); font-size: 0.98rem; }
.band--mist .topic:hover, .band--mist .model:hover { background: var(--surface); }

.guides { list-style: none; margin: 0; padding: 0; display: grid; border-top: 1.5px solid var(--ink); }
@media (min-width: 900px) { .guides { grid-template-columns: 1fr 1fr; column-gap: 48px; } }
.guide { display: grid; grid-template-columns: 3.2rem 1fr; gap: 16px; padding: 20px 0; border-bottom: 1px solid var(--rule); }
.guide__n { font-family: var(--font-display); font-weight: 600; font-size: 1.6rem; color: var(--accent); line-height: 1.2; }
.guide > div { min-width: 0; }
.guide__title { font-size: 1.2rem; margin-bottom: 6px; overflow-wrap: anywhere; }
.guide__title a { color: var(--ink); text-decoration-color: var(--sky); }
.guide__title a:hover { color: var(--accent); }
.guide__sum { margin: 0; color: var(--ink-2); }

.related { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
@media (min-width: 760px) { .related { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); } }
.related__link { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; height: 100%; padding: 16px 18px; border: 1px solid var(--rule); border-radius: 12px; background: var(--surface); text-decoration: none; color: var(--ink); }
.related__link:hover { border-color: var(--accent); color: var(--ink); }
.related__title { font-weight: 600; color: var(--accent-strong); }
.related__sum { grid-column: 1; color: var(--ink-2); font-size: 0.95rem; }
.related__link .ico { grid-column: 2; grid-row: 1 / span 2; align-self: center; color: var(--accent); }
.band--related { padding-block: 48px; background: var(--mist); }

/* FAQ */
.faq { display: grid; gap: 24px; }
@media (min-width: 900px) { .faq { grid-template-columns: 4fr 8fr; gap: 64px; } }
.faq__list { border-top: 1.5px solid var(--ink); }
.faq__item { border-bottom: 1px solid var(--rule); }
.faq__item summary { list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 4px; cursor: pointer; font-weight: 600; font-size: 1.08rem; min-height: 56px; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary:hover { color: var(--accent); }
.faq__icon { color: var(--accent); transition: transform var(--t-fast) var(--ease); }
.faq__item[open] .faq__icon { transform: rotate(45deg); }
.faq__a { padding: 0 4px 18px; color: var(--ink); max-width: 44rem; }
.faq__a p:last-child { margin-bottom: 0; }

/* Prose */
.prose-layout { display: grid; gap: 40px; padding-block: 8px 64px; }
@media (min-width: 1000px) {
  .prose-layout { grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: 64px; }
  .prose-side { position: static; align-self: start; display: grid; gap: 20px; }
  .prose-layout--single { grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); }
}
.prose { max-width: 70ch; min-width: 0; }
.prose > *:first-child { margin-top: 0; }
.prose h2 { font-size: var(--step-2); margin: 2.2em 0 0.6em; scroll-margin-top: 24px; }
.prose h3 { margin: 1.8em 0 0.5em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.1em; }
.prose li { margin-bottom: 0.45em; }
.prose li::marker { color: var(--accent); }
.prose table { width: 100%; }
.prose blockquote { position: relative; margin: 1.5em 0; padding-left: 2.2rem; color: var(--ink-2); font-style: italic; }
.prose blockquote::before { content: "\201D"; position: absolute; left: 0; top: -0.2em; font-family: var(--font-display); font-size: 2.6rem; line-height: 1; color: var(--sky); }
.prose .rep, .prose .calc, .prose .facts, .prose .table-wrap { margin: 1.5em 0; }
.prose hr { border: 0; border-top: 1px solid var(--rule); margin: 2em 0; }
.note { margin: 1.5em 0; padding: 16px 18px; background: var(--mist); border: 1px solid var(--mist-2); border-radius: 12px; }
.note > :last-child { margin-bottom: 0; }
.note--warn { border-color: var(--apricot-deep); background: #FFF4EB; }
.example { margin: 1.5em 0; padding: 18px 20px; border: 1.5px solid var(--ink); border-radius: 12px; background: var(--surface); }
.example__title { font-weight: 700; color: var(--accent-strong); margin-bottom: 8px; }
.example > :last-child { margin-bottom: 0; }
.checklist, .dashlist { list-style: none; padding: 0 !important; margin: 0 0 1.1em; }
.checklist li, .dashlist li { position: relative; padding-left: 32px; margin-bottom: 0.6em; }
.checklist li::before { content: ""; position: absolute; left: 4px; top: 0.42em; width: 12px; height: 7px; border-left: 2.5px solid var(--accent); border-bottom: 2.5px solid var(--accent); transform: rotate(-45deg); }
.dashlist li::before { content: ""; position: absolute; left: 2px; top: 0.72em; width: 16px; height: 2.5px; border-radius: 2px; background: var(--warm-ink); }
ol.numbered { counter-reset: n; list-style: none; padding-left: 0; }
ol.numbered > li { counter-increment: n; position: relative; padding-left: 2.4rem; }
ol.numbered > li::before { content: counter(n); position: absolute; left: 0; top: -0.1em; font-family: var(--font-display); font-weight: 600; color: var(--accent); font-size: 1.25rem; line-height: 1.35; }

.toc { border-top: 1.5px solid var(--ink); padding-top: 12px; }
.toc__title { font-weight: 600; font-size: var(--step--1); letter-spacing: 0; text-transform: none; color: var(--ink-2); margin-bottom: 8px; }
.toc ol { margin: 0; padding-left: 1.2em; display: grid; gap: 6px; font-size: 0.98rem; }
.toolcard { border-radius: 14px; padding: 20px; background: var(--accent-strong); color: #F2F6FF; --focus: var(--apricot); }
.toolcard__kicker { font-size: var(--step--1); font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--apricot); margin-bottom: 6px; }
.toolcard__title { font-family: var(--font-display); font-weight: 600; font-size: 1.35rem; margin-bottom: 6px; }
.toolcard__title a { color: #fff; }
.toolcard__sum { margin: 0; color: #DBE5F7; font-size: 0.98rem; }

.sources { margin-top: 2.5em; padding-top: 16px; border-top: 1px solid var(--rule); font-size: 0.98rem; }
.sources__title { font-size: 1.1rem; font-family: var(--font-body); font-weight: 700; margin-bottom: 8px; }
.sources ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.sources__pub { color: var(--ink-2); font-size: var(--step--1); }
a.ext::after { content: "↗"; display: inline-block; margin-left: 0.2em; font-size: 0.85em; text-decoration: none; }

/* Tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--rule); border-radius: var(--r-table); background: var(--surface); }
.grid-table { width: 100%; border-collapse: collapse; font-size: 0.98rem; }
.grid-table caption { text-align: left; padding: 12px 14px; font-weight: 600; }
.grid-table th, .grid-table td { padding: 10px 14px; border-top: 1px solid var(--rule); text-align: left; vertical-align: top; }
.grid-table thead th { background: var(--mist); font-size: 0.9rem; color: var(--ink-2); }
.grid-table td { font-variant-numeric: tabular-nums; }
.grid-table--fees td { text-align: right; font-weight: 600; }
.cell-main { display: block; font-weight: 600; }
.cell-sub { display: block; color: var(--ink-2); font-size: 0.9rem; }

/* Search & empty states */
.search__row { display: flex; gap: 8px; }
.search__row input { flex: 1; min-width: 0; height: 52px; padding: 0 14px; border: 1.5px solid var(--line); border-radius: var(--r-field); background: var(--surface); font-size: 1.1rem; }
.search__results { margin-top: 20px; }
.search__count { font-weight: 600; color: var(--ink-2); margin-bottom: 8px; }
.hits { list-style: none; margin: 0; padding: 0; border-top: 1.5px solid var(--ink); }
.hit { border-bottom: 1px solid var(--rule); }
.hit a { display: block; padding: 14px 4px; text-decoration: none; color: var(--ink); }
.hit a:hover { background: var(--accent-soft); }
.hit__t { display: block; font-weight: 600; color: var(--accent-strong); text-decoration: underline; text-underline-offset: 0.2em; }
.hit__s { display: block; color: var(--ink-2); font-size: 0.95rem; }
.hit__c { display: inline-block; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--accent); margin-bottom: 2px; }
.empty { margin: 0; display: grid; justify-items: start; gap: 12px; padding: 24px; border: 1.5px dashed var(--sky); border-radius: 14px; background: var(--surface); }
.empty img { width: 160px; }
.empty figcaption { max-width: 36rem; color: var(--ink-2); }
.empty strong { display: block; color: var(--ink); margin-bottom: 4px; }

/* Saved scenarios */
.saved__head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 16px; }
.saved__count { margin: 0; font-weight: 600; color: var(--ink-2); }
.saved__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; }
.scenario { border: 1px solid var(--rule); border-radius: 14px; background: var(--surface); padding: 18px 20px; display: grid; gap: 12px; }
.scenario__head { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 16px; align-items: baseline; }
.scenario__title { font-size: 1.25rem; }
.scenario__meta { margin: 0; color: var(--ink-2); font-size: var(--step--1); }
.scenario__actions { display: flex; flex-wrap: wrap; gap: 8px 12px; }
.scenario .variant__list { max-width: 32rem; }
.scenario__old { margin: 0; padding: 12px 14px; background: #FFF4EB; border: 1px solid var(--apricot-deep); border-radius: 10px; }
.confirm { display: flex; flex-wrap: wrap; gap: 8px 12px; align-items: center; padding: 12px 14px; border-radius: 10px; background: #FBEDEE; }
.confirm p { margin: 0; font-weight: 600; flex-basis: 100%; }

/* Badges and small parts */
.badge { display: inline-flex; align-items: center; gap: 8px; margin: 0; padding: 6px 12px; border-radius: 999px; background: var(--accent-soft); color: var(--accent-strong); font-weight: 600; font-size: 0.9rem; }
.badge .ico { width: 18px; height: 18px; }
.band--ink .badge { background: rgba(255, 255, 255, 0.12); color: #fff; }
.illus { width: 100%; max-width: 420px; }
.illus-figure { margin: 0; display: grid; place-items: center; }
.page-head__figure .illus { max-width: 360px; }
@media (max-width: 999px) { .page-head__figure { display: none; } }
.notice { padding: 12px 14px; border-radius: 8px; background: var(--mist); margin: 0; }
.notice[data-tone="warn"] { background: #FFF4EB; border: 1px solid var(--apricot-deep); }
.status-note { display: flex; gap: 12px; align-items: flex-start; margin: 20px 0 0; padding: 14px 16px; border-radius: 12px; background: var(--surface); border: 1px solid var(--rule); font-size: 0.98rem; }
.status-note .ico { color: var(--accent); margin-top: 2px; }
.status-note p { margin: 0; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px 20px; align-items: center; margin-top: 24px; }

/* Trust strip on the home page */
.trust { display: grid; gap: 28px; }
@media (min-width: 900px) { .trust { grid-template-columns: repeat(4, 1fr); gap: 32px; } }
.trust__item { border-top: 1.5px solid rgba(255, 255, 255, 0.55); padding-top: 16px; }
.trust__item h3 { font-size: 1.15rem; margin-bottom: 8px; }
.trust__item p { margin: 0 0 8px; font-size: 0.98rem; }

/* Documents */
.docsheet { padding-block: 24px 64px; max-width: calc(860px + 2 * var(--gutter)); }
.docsheet__head { border-bottom: 1.5px solid var(--ink); padding-bottom: 20px; margin-bottom: 28px; }
.docsheet__meta { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 12px 24px; margin: 20px 0 0; }
.docsheet__meta dt { font-size: var(--step--1); color: var(--ink-2); }
.docsheet__meta dd { margin: 0; font-weight: 600; }
.docsheet__actions { margin: 20px 0 0; display: flex; flex-wrap: wrap; gap: 12px; }

/* 404 */
.lost { display: grid; gap: 32px; align-items: center; padding-block: 24px 64px; }
@media (min-width: 900px) { .lost { grid-template-columns: 7fr 5fr; } }

/* ---------- Footer ---------- */

.site-footer { background: var(--ink); color: #E4EAF5; padding-block: 48px 40px; --focus: var(--apricot); font-size: 1rem; }
.site-footer a { color: #fff; text-decoration-color: rgba(255, 255, 255, 0.4); }
.site-footer a:hover { color: var(--apricot); text-decoration-color: var(--apricot); }
.site-footer__top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 16px; padding-bottom: 28px; border-bottom: 1px solid rgba(255, 255, 255, 0.18); }
.brand--footer { color: #fff; margin: 0; }
.brand--footer:hover { color: #fff; }
.site-footer__warning { margin: 0; font-weight: 700; color: var(--apricot); }
.site-footer__cols { display: grid; gap: 28px; padding-block: 32px; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); }
.site-footer__title { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; letter-spacing: 0; text-transform: none; color: #BFCFE8; margin-bottom: 12px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; }
.site-footer li a { display: inline-flex; min-height: 36px; align-items: center; }
.site-footer__status { border-top: 1px solid rgba(255, 255, 255, 0.18); padding-top: 24px; max-width: 52rem; }
.site-footer__status p { margin: 0 0 8px; }
.site-footer__meta { color: #BFCFE8; font-size: var(--step--1); }

/* ---------- Print sheet (calculation passport on paper) ---------- */

.print-sheet { display: none; }

@media print {
  @page { margin: 14mm 12mm; }
  :root { --paper: #fff; }
  body { background: #fff; font-size: 10.5pt; color: #000; }
  .partner, .band--partner, .cta-test-notice,
  .site-header, .site-footer, .skip, .crumbs, .calc__actions, .calc__form, .menu-toggle, .band--related, .page-head__aside .calc__bar a, .no-js-only, .calc__nojs, .toc, .toolcard, .docsheet__actions, .search, .lang-switch { display: none !important; }
  .page-head--split::before { display: none; }
  a { color: #000; text-decoration: none; }
  a.ext::after { content: " (" attr(href) ")"; font-size: 0.85em; }
  .calc, .rep, .variant { box-shadow: none; break-inside: avoid; }
  .band { padding-block: 16px; }
  details > :not(summary) { display: block !important; }
  .sched thead th { position: static; }
  body.is-printing-calc > :not(.print-sheet) { display: none !important; }
  body.is-printing-calc .print-sheet { display: block !important; }
  .print-sheet h1 { font-size: 20pt; }
  .print-sheet .sched { font-size: 9pt; }
  .print-sheet .sched tr { break-inside: avoid; }
  .print-sheet__head { display: flex; justify-content: space-between; align-items: center; border-bottom: 1.5pt solid #000; padding-bottom: 6pt; margin-bottom: 10pt; }
  .print-sheet__brand { display: flex; align-items: center; gap: 6pt; font-family: var(--font-display); font-size: 16pt; font-weight: 600; }
  .print-sheet__brand svg { width: 22pt; height: 22pt; }
  .print-sheet section { margin-top: 10pt; }
  .print-sheet .rev-table, .print-sheet .verdict, .print-sheet .checks li, .print-sheet .passport__key, .print-sheet .costbar, .print-sheet .passport__warning, .print-sheet h2 { break-inside: avoid; }
  .print-sheet h2 { break-after: avoid; }
  .print-sheet h2 { font-size: 12pt; margin-bottom: 4pt; }
  .print-sheet ul { margin: 0; padding-left: 14pt; }
  .print-sheet .passport { gap: 8pt; }
  .print-sheet .keyfig__value { font-size: 18pt; }
  .print-sheet .sched-wrap { border: 0; overflow: visible; }
  .print-sheet .fineprint { color: #333; }
}

/* ---------- Preferences ---------- */

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

@media (forced-colors: active) {
  .costbar__principal, .variant__bar .costbar__principal { background: CanvasText; forced-color-adjust: none; }
  .costbar__cost, .costbar__key--cost::before { background: Highlight; forced-color-adjust: none; }
  .costbar__key::before { background: CanvasText; forced-color-adjust: none; }
  .costbar__track, .variant__bar { border: 1px solid CanvasText; }
  .ledger dd { border-left-color: CanvasText; }
  .btn, .field__step, .menu-toggle { border: 2px solid ButtonText; }
  .field__range::-webkit-slider-runnable-track { border: 1px solid CanvasText; }
  .field__range::-moz-range-track { border: 1px solid CanvasText; }
  .ico, .intro-points .ico, .status-note .ico, .topic__icon, .model__icon { color: CanvasText; }
  .chart__line { stroke: CanvasText; }
  .chart__area { fill: Canvas; }
  .passport__warning, .ksl-warning, .rep__warn { border: 2px solid CanvasText; }
  .page-head--split::before { display: none; }
}

/* Luottiva composition: airy Nordic blue, tactile paper imagery, precise cost summary. */
.brand__word { font-size: 1.85rem; font-weight: 800; letter-spacing: -.07em; padding: 0; }
.brand__mark { width: 38px; height: 38px; }
h1,h2,h3 { font-weight: 700; letter-spacing: -.045em; }
h1 { text-wrap: balance; line-height: 1.12; }
.btn { border-radius: 9px; }
.page-head--home { background: var(--mist); padding-top: 48px; padding-bottom: 40px; }
.page-head--home .page-head__text { padding-top: 10px; }
.page-head--home .lead { font-size: 1.2rem; max-width: 29rem; margin-top: 22px; }
.page-head--home .page-head__intro { margin-top: 22px; }
.hero-assurances { display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: .95rem; color: var(--ink); }
.hero-assurances span { display: flex; align-items: center; gap: 7px; }
.hero-assurances .ico { width: 18px; height: 18px; color: var(--accent); }
.hero-art { display: block; margin: 28px -16px 0; }
.hero-art img { width: 100%; height: auto; border-radius: 50% 50% 18px 18px / 16% 16% 18px 18px; }
.hero-status { font-size: .95rem; color: var(--ink-2); line-height: 1.5; max-width: 28rem; margin: 22px 0 0; }
.page-head--home .calc { border: 0; border-radius: 20px; }
.page-head--home .calc__bar { padding: 13px 24px; }
.page-head--home .calc__title { font-size: 1.08rem; }
.page-head--home .calc__form { padding: 18px 24px; gap: 16px 24px; grid-template-columns: minmax(0,1fr) minmax(0,1fr); }
.page-head--home .field__step { width: 44px; min-height: 48px; border-color: transparent; background: var(--mist); }
.page-head--home .field__row { gap: 4px; }
.page-head--home .field__box input { font-size: 1.15rem; height: 48px; padding-left: 9px; padding-right: 2.2em; }
.page-head--home .field__unit { right: 9px; }
.page-head--home .field__hint { font-size: .875rem; }
.page-head--home .calc__out { padding: 0 24px 16px; }
.passport--compact { gap: 14px; }
.passport--compact .passport__key { background: var(--accent); border: 0; border-radius: 12px; padding: 18px 20px; gap: 0; }
.passport--compact .keyfig { padding: 0 14px 0 0; gap: 6px; }
.passport--compact .keyfig + .keyfig { padding: 0 0 0 20px; border-color: #6C81D3; }
.passport--compact .keyfig__label,.passport--compact .keyfig__sub,.passport--compact .keyfig__value { color: #fff; }
.passport--compact .keyfig__value { font-size: clamp(1.6rem,4.9cqi,2.35rem); letter-spacing: -.06em; }
.passport--compact .keyfig__sub { font-size: .875rem; }
.compact-price { display: grid; grid-template-columns: 1fr auto; margin: 0; }
.compact-price dt,.compact-price dd { margin: 0; padding: 3px 0; font-size: .95rem; }
.compact-price dd { text-align: right; padding-left: 12px; font-weight: 600; }
.passport__details summary { min-height: 44px; display: flex; align-items: center; justify-content: space-between; cursor: pointer; font-size: .95rem; color: var(--accent); font-weight: 600; }
.passport__details summary::after { content: '+'; font-size: 1.5rem; }
.passport__details[open] summary::after { content: '−'; }
.passport__details summary::-webkit-details-marker { display: none; }
.passport--compact .costbar__per100 { display: none; }
.passport--compact .costbar__track { height: 8px; }
.passport--compact .passport__fine { font-size: .875rem; }
.page-head--home .calc__actions { padding: 14px 24px; }
.page-head--home .calc__buttons { gap: 8px 12px; }
.page-head--home .calc__buttons .btn { font-size: .9rem; min-height: 44px; padding: 8px 12px; }
.page-head--home .calc__savenote { font-size: .875rem; line-height: 1.4; }
.page-head--home .calc__schedule summary { padding: 12px 24px; font-size: .98rem; }
.representative-band { background: var(--mist); padding-bottom: 36px; }
.representative-band .rep { background: transparent; border: 0; border-top: 1px solid #C1CCE3; border-radius: 0; padding: 20px 0 0; grid-template-columns: 1fr auto; gap: 8px 24px; font-size: .9rem; }
.representative-band .rep__text { grid-column: 1; max-width: 58rem; }
.representative-band .rep__meta { grid-column: 1; }
.representative-band .rep__warn { grid-column: 2; grid-row: 1 / 4; align-self: center; font-size: .9rem; max-width: 200px; }
.models { border-top: 0; margin-top: 24px; }
.model { border: 1px solid var(--rule); border-radius: 14px; padding: 24px; margin-top: 12px; background: #fff; }
.model__icon { border-radius: 12px; background: var(--mist); width: 54px; height: 54px; }
.model__icon .ico { width: 28px; height: 28px; }
.model:nth-child(2) { background: #F8FAFE; }
.model:nth-child(3) .model__icon { background: #FFF0E5; }
.model__task { font-size: 1rem; }
.model__rate { font-size: .95rem; color: var(--ink-2); }
.model__go { font-size: 1rem; }
.band--mist:not(.page-head) { background: #F0F4FB; }
.how-band .steps li { border-top: 0; position: relative; padding: 26px 0 0; }
.how-band .steps li::before { font-size: 1rem; width: 36px; height: 36px; border-radius: 50%; background: var(--mist); display: grid; place-items: center; margin-bottom: 18px; }
.how-band .steps li::after { content: ''; position: absolute; height: 1px; top: 44px; left: 52px; right: 0; background: var(--rule); }
.factors-band { background: #FAFBFE; }
.factors-band .facts { border-top-color: var(--rule); }
.band--ink { background: var(--ink); }
.band--ink .trust { margin-top: 30px; }
.help-band .split { grid-template-columns: 180px 1fr 1fr; align-items: center; gap: 30px; margin-bottom: 30px; }
.help-art { border-radius: 16px; width: 180px; }
.help-band .section-lead { margin: 0; font-size: 1.1rem; }
.editorial-band { padding-top: 0; }
.editorial { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 64px; }
.editorial img { border-radius: 20px; }
.editorial h2 { max-width: 12em; margin-bottom: 22px; }
.editorial p { max-width: 28rem; color: var(--ink-2); }
.page-head__figure img { border-radius: 18px; }
.site-footer__title { text-transform: none; letter-spacing: 0; font-size: 1rem; }
.site-footer li a { min-height: 44px; }
.site-footer__top .brand__word { font-size: 2.3rem; }
.site-footer .brand { color: #fff; }
@media (min-width: 1000px) {
 .page-head--home .page-head__grid { grid-template-columns: 5fr 6fr; gap: 64px; }
 .model { grid-template-columns: 54px 12rem 1fr 11rem 6rem 10rem; gap: 20px; }
}
@media (max-width: 999px) {
 .page-head--home { padding-top: 32px; }
 .page-head--home .page-head__grid { grid-template-columns: 1fr 1fr; gap: 0 32px; }
 .page-head--home h1,.page-head--home .lead { grid-column: 1 / -1; }
 .page-head--home .page-head__aside { grid-column: 1 / -1; }
 .page-head--home .page-head__intro { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 18px 30px; }
 .hero-art { grid-column: 2; grid-row: 1 / 3; margin: 0; }
 .hero-status { margin: 0; }
 .help-band .split { grid-template-columns: 140px 1fr; }
 .help-art { grid-row: span 2; }
 .representative-band .rep { display: flex; flex-direction: column; }
 .representative-band .rep__warn { max-width: none; align-self: start; }
}
@media (max-width: 599px) {
 :root { --step-h1: 2.1rem; }
 .page-head--home .lead { font-size: 1.125rem; margin: 16px 0 0; }
 .page-head--home .page-head__aside { margin-top: 24px; }
 .page-head--home .calc__bar { padding: 12px 18px; }
 .page-head--home .calc__saved { font-size: .85rem; }
 .page-head--home .calc__form { grid-template-columns: 1fr; padding: 16px 18px; gap: 14px; }
 .page-head--home .field__box input { font-size: 1.25rem; }
 .page-head--home .field__step { width: 44px; }
 .page-head--home .calc__out { padding: 0 18px 16px; }
 .passport--compact .passport__key { grid-template-columns: 1fr; padding: 18px; }
 .passport--compact .keyfig { padding: 0 0 14px; }
 .passport--compact .keyfig + .keyfig { padding: 14px 0 0; border-left: 0; border-top: 1px solid #6C81D3; }
 .passport--compact .keyfig__value { font-size: 2rem; }
 .page-head--home .calc__actions { padding-inline: 18px; }
 .page-head--home .page-head__intro { display: flex; flex-direction: column; align-items: stretch; gap: 20px; }
 .hero-art { margin: 0; }
 .hero-art img { max-height: 230px; object-fit: cover; object-position: center 65%; }
 .hero-assurances { order: 1; }
 .hero-status { order: 2; }
 .model { padding: 20px 16px; gap: 8px 16px; }
 .model__icon { width: 48px; height: 48px; }
 .model__name { font-size: 1.25rem; }
 .help-band .split { display: grid; grid-template-columns: 1fr; gap: 18px; }
 .help-art { display: none; }
 .editorial { grid-template-columns: 1fr; gap: 28px; }
 .editorial h2 { max-width: none; }
 .site-footer__top { align-items: start; flex-direction: column; }
}
@media print { .hero-art,.hero-assurances,.help-art,.editorial-band { display: none; } }
@media (forced-colors: active) {
 .passport--compact .passport__key { border: 2px solid CanvasText; }
 .passport--compact .keyfig__value,.passport--compact .keyfig__label,.passport--compact .keyfig__sub { color: CanvasText; }
}
/* Container breakpoints also respond to increased text size. */
.models { container-type: inline-size; }
.model > * { min-width: 0; }
@container (max-width: 60rem) {
 .model { grid-template-columns: 48px minmax(0,1fr); gap: 8px 16px; }
 .model__icon { grid-row: span 2; }
 .model__task,.model__range,.model__rate,.model__go { grid-column: 2; }
 .model__go { justify-content: flex-start; }
}
@container (max-width: 30rem) {
 .page-head--home .calc__form { grid-template-columns: minmax(0,1fr); }
 .passport--compact .passport__key { grid-template-columns: minmax(0,1fr); }
 .passport--compact .keyfig { padding: 0 0 14px; }
 .passport--compact .keyfig + .keyfig { padding: 14px 0 0; border-left: 0; border-top: 1px solid #6C81D3; }
 .ledger { grid-template-columns: minmax(0,1fr); }
 .ledger dt { border-bottom: 0; padding-bottom: 0; }
 .ledger dd { text-align: left; padding-left: 0; border-left: 0; white-space: normal; }
 .calc__bar { flex-wrap: wrap; gap: 6px; }
}
.variants { grid-template-columns: repeat(auto-fit, minmax(min(100%, 17rem), 1fr)); }
.variant { min-width: 0; }
.variant__list { grid-template-columns: minmax(0,1fr) max-content; }