:root{
  --forest:#174A3A;
  --sage:#789B7A;
  --yellow:#E7C34A;
  --cream:#F5F3EA;
  --stone:#DEDCD2;
  --charcoal:#282B29;
  --white:#FFFFFF;
  --muted:#68706A;
  --blue:#527FA3;
  --teal:#006876;
  --shadow:0 18px 50px rgba(23,74,58,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--charcoal);background:var(--cream);font-family:"Source Sans 3","Segoe UI",Arial,sans-serif;font-size:17px;line-height:1.55}
button,input{font:inherit}
button{cursor:pointer}
a{color:inherit}
img{max-width:100%;display:block}
h1,h2,h3{margin:0;color:var(--forest);font-family:"Manrope","Segoe UI",Arial,sans-serif;line-height:1.08}
h1{font-size:clamp(2.2rem,8vw,4.4rem);letter-spacing:-.045em}
h2{font-size:clamp(1.65rem,5vw,2.55rem);letter-spacing:-.03em}
h3{font-size:1.18rem}
p{margin:0 0 1rem}
.shell{width:min(1120px,calc(100% - 32px));margin:0 auto}
.site-header{padding:18px 0;position:relative;z-index:10}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:16px}
.wordmark{display:inline-flex;align-items:baseline;gap:8px;font-family:"Manrope","Segoe UI",Arial,sans-serif;text-decoration:none;color:var(--forest)}
.wordmark-dot{width:11px;height:11px;border-radius:50%;background:var(--yellow);box-shadow:0 0 0 5px rgba(231,195,74,.18)}
.header-link{font-size:14px;font-weight:700;text-decoration:none;border-bottom:1px solid rgba(23,74,58,.28)}
.hero{padding:36px 0 58px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(260px,.65fr);gap:34px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--forest);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px}
.eyebrow:before{content:"";width:26px;height:4px;border-radius:99px;background:var(--yellow)}
.hero p{font-size:clamp(1.05rem,2vw,1.25rem);color:#4f5751;max-width:680px;margin-top:18px}
.hero-person{background:var(--white);border:1px solid var(--stone);border-radius:30px;padding:12px;box-shadow:var(--shadow);transform:rotate(1deg)}
.hero-person img{border-radius:22px;aspect-ratio:1.05/1;object-fit:cover;object-position:center top}
.person-copy{padding:14px 10px 8px}
.person-copy strong{display:block;font-family:"Manrope","Segoe UI",Arial,sans-serif;color:var(--forest)}
.person-copy span{font-size:14px;color:var(--muted)}
.tools-section{padding:0 0 64px}
.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.tool-card{display:flex;flex-direction:column;min-height:270px;background:var(--white);border:1px solid var(--stone);border-radius:24px;padding:24px;text-decoration:none;box-shadow:0 10px 30px rgba(40,43,41,.05);transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease}
.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:rgba(23,74,58,.35)}
.iconbox{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:rgba(23,74,58,.08);color:var(--forest);margin-bottom:22px}
.iconbox svg{width:28px;height:28px;stroke:currentColor}
.tool-card:nth-child(2) .iconbox{background:rgba(231,195,74,.22)}
.tool-card:nth-child(3) .iconbox{background:rgba(82,127,163,.12);color:var(--blue)}
.tool-card h2{font-size:1.42rem;margin-bottom:10px}
.tool-card p{font-size:15px;color:var(--muted);margin-bottom:18px}
.tool-link{margin-top:auto;font-weight:800;color:var(--forest)}
.section{padding:64px 0}
.section.white{background:var(--white)}
.section-title{max-width:720px;margin-bottom:28px}
.section-title p{color:var(--muted);margin-top:12px}
.review-grid,.faq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.review,.faq-item{padding:22px;border:1px solid var(--stone);border-radius:20px;background:var(--cream)}
.review p{font-size:15px}
.review strong{color:var(--forest)}
.faq-item h3{margin-bottom:8px}
.faq-item p{font-size:15px;color:var(--muted);margin:0}
.site-footer{padding:30px 0 42px;font-size:13px;color:var(--muted)}
.footer-row{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}
.footer-row a{color:var(--forest)}
.tool-page{min-height:100vh}
.tool-wrap{width:min(720px,calc(100% - 28px));margin:0 auto;padding:18px 0 60px}
.tool-top{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:28px}
.back-link{text-decoration:none;font-weight:700;color:var(--forest);font-size:14px}
.progress{height:7px;background:#E8E5DA;border-radius:99px;overflow:hidden;margin-bottom:28px}
.progress-bar{height:100%;background:var(--yellow);width:0;transition:width .25s ease}
.step-card{background:var(--white);border:1px solid var(--stone);border-radius:28px;padding:clamp(22px,5vw,38px);box-shadow:var(--shadow)}
.step{display:none}
.step.active{display:block;animation:fadeIn .18s ease}
@keyframes fadeIn{from{opacity:.4;transform:translateY(5px)}to{opacity:1;transform:none}}
.step-kicker{font-size:13px;font-weight:800;color:var(--teal);text-transform:uppercase;letter-spacing:.07em;margin-bottom:10px}
.step h1{font-size:clamp(1.9rem,7vw,3rem)}
.step-copy{color:var(--muted);margin:12px 0 24px}
.field{margin:18px 0}
.field label{display:block;font-size:14px;font-weight:800;color:var(--forest);margin-bottom:8px}
.money-input,.text-input{width:100%;border:2px solid var(--stone);border-radius:16px;background:#fff;padding:16px 17px;outline:none;font-size:20px;color:var(--charcoal)}
.text-input{font-size:17px}
.money-input:focus,.text-input:focus{border-color:var(--sage);box-shadow:0 0 0 4px rgba(120,155,122,.12)}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:17px;top:50%;transform:translateY(-50%);font-weight:800;color:var(--muted);pointer-events:none}
.input-prefix .money-input{padding-left:38px}
.choices{display:grid;gap:10px;margin:22px 0}
.choice{width:100%;border:1.5px solid var(--stone);background:#fff;border-radius:17px;padding:16px;display:flex;align-items:center;gap:13px;text-align:left;color:var(--charcoal)}
.choice:hover,.choice.selected{border-color:var(--forest);background:rgba(23,74,58,.045)}
.choice-icon{width:38px;height:38px;border-radius:12px;background:var(--cream);display:grid;place-items:center;color:var(--forest)}
.choice-icon svg{width:22px;height:22px;stroke:currentColor}
.choice-main{font-weight:800}
.nav-actions{display:flex;gap:10px;margin-top:24px}
.btn{border:0;border-radius:999px;padding:14px 22px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none}
.btn-primary{background:var(--yellow);color:var(--charcoal);flex:1}
.btn-secondary{background:#fff;color:var(--forest);border:1px solid var(--stone)}
.btn-green{background:var(--forest);color:#fff}
.btn:disabled{opacity:.45;cursor:not-allowed}
.result-hero{padding:22px;border-radius:20px;background:rgba(23,74,58,.06);border:1px solid rgba(23,74,58,.14);margin:22px 0}
.result-hero .label{font-size:13px;color:var(--muted);font-weight:700}
.result-hero .big{font-family:"Manrope","Segoe UI",Arial,sans-serif;font-size:clamp(2.1rem,9vw,3.8rem);font-weight:800;color:var(--forest);line-height:1.05;margin:4px 0 16px}
.result-hero .secondary{font-size:18px;font-weight:800;color:var(--forest)}
.result-list{border-top:1px solid var(--stone);margin-top:18px}
.result-row{display:flex;justify-content:space-between;gap:18px;padding:11px 0;border-bottom:1px solid var(--stone);font-size:15px}
.result-row span:last-child{font-weight:800;text-align:right}
.bar{height:14px;background:var(--stone);border-radius:99px;overflow:hidden;margin:14px 0 5px;display:flex}
.bar-home{background:var(--forest)}
.bar-other{background:var(--yellow)}
.bar-legend{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:var(--muted)}
.legend-dot{width:8px;height:8px;border-radius:50%;display:inline-block;margin-right:5px}
.email-panel{margin-top:28px;padding-top:24px;border-top:1px solid var(--stone)}
.email-panel h2{font-size:1.3rem}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.checkline{display:flex;align-items:flex-start;gap:10px;margin:16px 0;font-size:13px;color:var(--muted)}
.checkline input{margin-top:4px;width:18px;height:18px;accent-color:var(--forest)}
.status{margin-top:14px;padding:12px 14px;border-radius:12px;font-size:14px;display:none}
.status.show{display:block}.status.ok{background:#E9EFEA;color:#31563F}.status.bad{background:#F7E8E3;color:#842F21}
.note{font-size:13px;color:var(--muted)}
.hidden{display:none!important}
.inline-question{margin-top:16px;padding:16px;border-radius:16px;background:var(--cream);border:1px solid var(--stone)}
.confirmation{text-align:center;padding:12px 0}
.confirmation .iconbox{margin:0 auto 18px;background:rgba(120,155,122,.16)}
@media(max-width:820px){.hero-grid,.tool-grid,.review-grid,.faq-grid{grid-template-columns:1fr}.hero-person{max-width:390px}.tool-card{min-height:0}}
@media(max-width:620px){.shell{width:min(100% - 24px,1120px)}.hero{padding-top:20px}.hero-grid{gap:24px}.hero-person{display:none}.footer-row{display:block}.contact-grid{grid-template-columns:1fr}.nav-actions{flex-direction:column-reverse}.btn{width:100%}.step-card{border-radius:22px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}}


/* Compact mobile + inline repayment refinements */
.choice-inline{
  display:grid;
  grid-template-columns:minmax(0,1fr) 132px;
  gap:10px;
  align-items:center;
  width:100%;
  border:1.5px solid var(--stone);
  background:#fff;
  border-radius:17px;
  padding:10px 12px;
}
.choice-inline.selected{
  border-color:var(--forest);
  background:rgba(23,74,58,.045);
}
.choice-toggle{
  display:flex;
  align-items:center;
  gap:11px;
  width:100%;
  border:0;
  background:transparent;
  padding:4px 0;
  text-align:left;
  color:var(--charcoal);
}
.inline-amount{display:none;position:relative}
.choice-inline.selected .inline-amount{display:block}
.inline-amount span{
  position:absolute;left:12px;top:50%;transform:translateY(-50%);
  color:var(--muted);font-weight:800;pointer-events:none;
}
.inline-amount input{
  width:100%;border:1.5px solid var(--stone);border-radius:12px;
  padding:10px 10px 10px 28px;font-size:16px;outline:none;background:#fff;
}
.inline-amount input:focus{
  border-color:var(--sage);
  box-shadow:0 0 0 3px rgba(120,155,122,.10);
}
.choice-plain{
  width:100%;border:1.5px solid var(--stone);background:#fff;
  border-radius:15px;padding:13px 15px;text-align:left;font-weight:800;
  color:var(--charcoal);
}
.choice-plain.selected{
  border-color:var(--forest);
  background:rgba(23,74,58,.045);
}

@media(max-width:620px){
  body{font-size:16px}
  .tool-wrap{width:min(100% - 18px,720px);padding-top:10px}
  .tool-top{margin-bottom:16px}
  .progress{margin-bottom:16px;height:6px}
  .step-card{padding:18px 16px;border-radius:18px}
  .step h1{font-size:clamp(1.55rem,7vw,2.15rem)}
  .step-kicker{font-size:11px;margin-bottom:7px}
  .step-copy{margin:8px 0 14px}
  .field{margin:12px 0}
  .money-input,.text-input{padding:13px 14px;font-size:17px;border-radius:13px}
  .text-input{font-size:16px}
  .input-prefix span{left:14px}
  .input-prefix .money-input{padding-left:34px}
  .choices{gap:8px;margin:14px 0}
  .choice{padding:12px 13px;border-radius:14px}
  .choice-inline{grid-template-columns:minmax(0,1fr) 112px;padding:8px 10px;border-radius:14px}
  .choice-toggle{gap:9px}
  .choice-icon{width:34px;height:34px;border-radius:10px}
  .choice-icon svg{width:20px;height:20px}
  .inline-amount input{padding:9px 8px 9px 25px;font-size:15px}
  .inline-amount span{left:10px}
  .nav-actions{margin-top:16px;gap:8px}
  .btn{padding:12px 18px}
  .result-hero{padding:17px;margin:16px 0}
  .result-hero .big{font-size:clamp(2rem,12vw,3rem)}
  .result-row{padding:9px 0}
  .email-panel{margin-top:20px;padding-top:18px}
  .contact-grid{grid-template-columns:1fr 1fr;gap:8px}
  .contact-grid .field{margin:8px 0}
}
@media(max-width:430px){
  .contact-grid{grid-template-columns:1fr}
}


/* Email-result modal */
.email-modal{
  position:fixed;
  inset:0;
  z-index:1000;
  display:grid;
  place-items:center;
  padding:18px;
}
.email-modal.hidden{display:none!important}
.email-modal-backdrop{
  position:absolute;
  inset:0;
  background:rgba(20,29,24,.56);
  backdrop-filter:blur(3px);
}
.email-modal-card{
  position:relative;
  width:min(560px,100%);
  max-height:min(86vh,760px);
  overflow:auto;
  background:var(--white);
  border:1px solid var(--stone);
  border-radius:24px;
  padding:24px;
  box-shadow:0 28px 80px rgba(20,29,24,.28);
}
.email-modal-close{
  position:absolute;
  top:12px;
  right:12px;
  width:38px;
  height:38px;
  border:0;
  border-radius:999px;
  background:var(--cream);
  color:var(--forest);
  font-size:24px;
  line-height:1;
  display:grid;
  place-items:center;
}
body.modal-open{overflow:hidden}
.email-panel-modal-trigger{
  margin-top:24px;
  padding-top:22px;
  border-top:1px solid var(--stone);
}
@media(max-width:620px){
  .email-modal{padding:10px}
  .email-modal-card{
    width:100%;
    max-height:90vh;
    border-radius:18px;
    padding:20px 16px 16px;
  }
}


/* RRC repayment choice hit area:
   before selection, the whole card is tappable;
   after selection, the amount field owns the right side. */
.choice-inline:not(.selected){
  grid-template-columns:1fr;
}
.choice-inline:not(.selected) .choice-toggle{
  width:100%;
  min-height:42px;
}
.choice-inline.selected{
  grid-template-columns:minmax(0,1fr) 132px;
}
@media(max-width:620px){
  .choice-inline.selected{
    grid-template-columns:minmax(0,1fr) 112px;
  }
}


/* Light colour-coding for finance choices only */
[data-rrc] .choices > :nth-child(1){
  --choice-bg:rgba(82,127,163,.10);
  --choice-border:rgba(82,127,163,.24);
  --choice-icon:#527FA3;
}
[data-rrc] .choices > :nth-child(2){
  --choice-bg:rgba(201,120,86,.10);
  --choice-border:rgba(201,120,86,.24);
  --choice-icon:#C97856;
}
[data-rrc] .choices > :nth-child(3){
  --choice-bg:rgba(123,107,153,.10);
  --choice-border:rgba(123,107,153,.24);
  --choice-icon:#7B6B99;
}
[data-rrc] .choices > :nth-child(4){
  --choice-bg:rgba(120,155,122,.12);
  --choice-border:rgba(120,155,122,.26);
  --choice-icon:#789B7A;
}
[data-rrc] .choices > :nth-child(5){
  --choice-bg:rgba(231,195,74,.16);
  --choice-border:rgba(231,195,74,.32);
  --choice-icon:#9E8125;
}
[data-rrc] .choices > :nth-child(6){
  --choice-bg:rgba(0,104,118,.09);
  --choice-border:rgba(0,104,118,.23);
  --choice-icon:#006876;
}

[data-rrc] .choice-inline{
  background:var(--choice-bg,#fff);
  border-color:var(--choice-border,var(--stone));
}
[data-rrc] .choice-inline .choice-icon{
  background:rgba(255,255,255,.62);
  color:var(--choice-icon,var(--forest));
}
[data-rrc] .choice-inline:hover{
  border-color:var(--choice-icon,var(--forest));
}
[data-rrc] .choice-inline.selected{
  background:var(--choice-bg,rgba(23,74,58,.045));
  border-color:var(--choice-icon,var(--forest));
}

/* Non-finance option cards stay neutral */
.choice-plain{
  background:#fff;
  border-color:var(--stone);
}
.choice-plain:hover{
  border-color:var(--forest);
}
.choice-plain.selected{
  background:rgba(23,74,58,.045);
  border-color:var(--forest);
  box-shadow:none;
}


/* Clear validation feedback */
.input-error,
.money-input.input-error,
.text-input.input-error,
.inline-amount input.input-error{
  border-color:#B42318 !important;
  box-shadow:0 0 0 3px rgba(180,35,24,.10) !important;
}

.validation-message{
  margin-top:7px;
  font-size:13px;
  line-height:1.35;
  color:#B42318;
  font-weight:600;
}

.validation-group-error{
  border:1.5px solid #B42318 !important;
  border-radius:16px;
  padding:10px;
  background:rgba(180,35,24,.035);
}

.validation-group-message{
  margin:8px 0 0;
  color:#B42318;
  font-size:13px;
  font-weight:600;
}


/* Keep inline RRC validation tidy */
.choice-inline.selected{
  align-items:start;
}
.choice-inline > .validation-message{
  grid-column:1 / -1;
  margin:0 2px 2px;
}
.inline-amount{
  min-width:0;
}
.inline-amount input{
  display:block;
}


.wordmark-name{
  font-weight:800;
  letter-spacing:-.02em;
}
.wordmark-role{
  font-weight:400;
  font-size:.82em;
  opacity:.86;
}
.main-site-link{
  font-size:14px;
  font-weight:700;
  color:var(--forest);
  text-decoration:none;
  padding:9px 12px;
  border:1px solid rgba(23,74,58,.18);
  border-radius:999px;
  background:rgba(255,255,255,.55);
}
.main-site-link:hover{
  border-color:rgba(23,74,58,.38);
  background:#fff;
}

/* Homepage section contrast */
.section.soft{
  background:#EEF3EF;
}
.section.soft .review,
.section.soft .faq-item{
  background:#fff;
}
.section.white .review,
.section.white .faq-item{
  background:#fff;
}
.review-grid{
  margin-top:18px;
}
.google-review-link{
  display:inline-flex;
  align-items:center;
  gap:9px;
  margin-top:10px;
  font-weight:800;
  color:var(--forest);
  text-decoration:none;
}
.google-g{
  width:24px;
  height:24px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#fff;
  border:1px solid var(--stone);
  font-family:Arial,sans-serif;
  font-weight:700;
  color:#789B7A;
  box-shadow:0 2px 8px rgba(40,43,41,.06);
}
.review-placeholder{
  font-style:italic;
  color:var(--muted);
}

/* Blog / learn-more CTA on tool result screens */
.learn-more-card{
  margin-top:22px;
  padding:18px;
  border:1px solid var(--stone);
  border-radius:18px;
  background:#EEF3EF;
}
.learn-more-card h3{
  margin-bottom:6px;
}
.learn-more-card p{
  color:var(--muted);
  font-size:14px;
  margin-bottom:12px;
}

/* Green footer */
.site-footer{
  background:var(--forest);
  color:rgba(255,255,255,.82);
  padding:28px 0 34px;
}
.site-footer .shell{
  max-width:900px;
}
.footer-disclaimer{
  font-size:12px;
  line-height:1.6;
  margin:0;
}


.icon-inline{
  width:1em;
  height:1em;
  stroke:currentColor;
  stroke-width:2;
  fill:none;
  stroke-linecap:round;
  stroke-linejoin:round;
  flex:0 0 auto;
}
.icon-inline.arrow{
  width:1.05em;
  height:1.05em;
}


/* Smooth homepage gradient from hero through tools */
.home-gradient{
  background:
    linear-gradient(
      180deg,
      #F5F3EA 0%,
      #F5F3EA 18%,
      #F0F3EB 52%,
      #EAF1EC 78%,
      #EEF3EF 100%
    );
}
.home-gradient .hero,
.home-gradient .tools-section{
  background:transparent;
}


/* Refine inline arrow icons */
.tool-link,
.main-site-link,
.back-link,
.btn,
.google-review-link{
  display:inline-flex;
  align-items:center;
  gap:7px;
}

.icon-inline.arrow{
  width:16px;
  height:16px;
  min-width:16px;
  flex:0 0 16px;
  vertical-align:middle;
}

/* Keep the wordmark balanced on desktop */
.wordmark{
  gap:7px;
}
.wordmark-name,
.wordmark-role{
  font-size:15px;
  line-height:1.1;
}
.wordmark-name{
  font-weight:800;
}
.wordmark-role{
  font-weight:400;
  opacity:.82;
}

/* Stack the wordmark on mobile */
@media(max-width:620px){
  .wordmark{
    display:flex;
    flex-direction:column;
    align-items:flex-start;
    gap:1px;
  }

  .wordmark-name{
    font-size:15px;
  }

  .wordmark-role{
    font-size:12px;
  }

  .main-site-link{
    font-size:12px;
    padding:8px 10px;
    gap:5px;
  }

  .back-link{
    font-size:13px;
  }

  .tool-link{
    gap:6px;
  }
}


/* Handwritten brand accents */
.handwritten{
  position:relative;
  display:inline-block;
  font-family:"Caveat",cursive;
  font-weight:600;
  font-size:1.34em;
  line-height:.9;
  letter-spacing:.005em;
  color:var(--forest);
  white-space:nowrap;
  z-index:1;
}

.handwritten.underline{
  padding-bottom:.18em;
}

.handwritten.underline::after{
  content:"";
  position:absolute;
  left:-3%;
  right:-3%;
  bottom:-.08em;
  height:.33em;
  background:url("/assets/underline-stroke.svg") center / 100% 100% no-repeat;
  z-index:-1;
  opacity:.92;
}

.handwritten.highlight{
  padding:.02em .08em .04em;
}

.handwritten.highlight::before{
  content:"";
  position:absolute;
  left:-5%;
  right:-5%;
  top:47%;
  height:.72em;
  transform:translateY(-50%);
  background:url("/assets/highlight-stroke.svg") center / 100% 100% no-repeat;
  z-index:-1;
  opacity:.78;
}

.handwritten.soft{
  color:var(--teal);
}

.handwritten.yellow{
  color:var(--forest);
}

.accent-line{
  margin-top:10px;
  color:var(--forest);
  font-family:"Caveat",cursive;
  font-size:clamp(1.45rem,2.4vw,2rem);
  line-height:1;
  font-weight:600;
}

@media(max-width:620px){
  .handwritten{
    font-size:1.42em;
  }
  .accent-line{
    font-size:1.6rem;
  }
}


/* Refined handwritten treatment to match brand examples */
.handwritten{
  line-height:.92;
}

.handwritten.underline{
  padding-bottom:.10em;
}

.handwritten.underline::after{
  left:-2%;
  right:-2%;
  bottom:-.045em;
  height:.14em;
  background-size:100% 100%;
  opacity:.95;
}

.handwritten.highlight{
  padding:.02em .05em .03em;
}

.handwritten.highlight::before{
  left:-12%;
  right:-12%;
  top:49%;
  height:.64em;
  transform:translateY(-50%);
  background-size:100% 100%;
  opacity:.82;
}

@media(max-width:620px){
  .handwritten.highlight::before{
    left:-10%;
    right:-10%;
  }

  .handwritten.underline::after{
    height:.13em;
  }
}


/* Homepage handwritten accents — short phrases only */
.home-gradient .handwritten,
.section.soft .handwritten{
  font-size:1.10em;
  line-height:1;
  vertical-align:baseline;
}

.home-gradient .handwritten.highlight::before{
  left:-7%;
  right:-7%;
  height:.52em;
  top:56%;
}

.section.soft .accent-line{
  margin-top:8px;
  margin-bottom:14px;
  font-size:1.45rem;
}

.section.soft .handwritten.underline{
  font-size:1.08em;
  padding-bottom:.08em;
}

.section.soft .handwritten.underline::after{
  left:-1%;
  right:-1%;
  height:.10em;
  bottom:-.02em;
}

@media(max-width:620px){
  .home-gradient .handwritten,
  .section.soft .handwritten{
    font-size:1.14em;
  }

  .section.soft .accent-line{
    font-size:1.35rem;
  }
}


/* Prevent long homepage section headings clipping on narrow phones */
.section-title h2{
  overflow-wrap:normal;
  word-break:normal;
  hyphens:none;
}

@media(max-width:620px){
  .section-title h2{
    font-size:clamp(1.5rem,6.5vw,2rem);
    line-height:1.12;
    max-width:100%;
  }
}

@media(max-width:390px){
  .section-title h2{
    font-size:1.48rem;
  }
}


/* v21: remove handwritten/yellow accent system */
.handwritten,
.accent-line{
  font-family:"Manrope","Segoe UI",Arial,sans-serif !important;
  font-size:inherit !important;
  font-weight:inherit !important;
  line-height:inherit !important;
  color:inherit !important;
  padding:0 !important;
  margin:0 !important;
  white-space:normal !important;
}
.handwritten::before,
.handwritten::after{
  content:none !important;
  display:none !important;
}

/* Remove yellow from the active UI palette */
:root{
  --yellow:#789B7A;
}

.btn-primary{
  background:var(--forest);
  color:#fff;
}

.progress-bar{
  background:var(--sage);
}

.wordmark-dot{
  display:none !important;
}

.bar-other{
  background:var(--sage);
}

.eyebrow:before{
  background:var(--sage);
}

/* Replace former warm-yellow finance option with a muted teal/sage treatment */
[data-rrc] .choices > :nth-child(5){
  --choice-bg:rgba(0,104,118,.08);
  --choice-border:rgba(0,104,118,.20);
  --choice-icon:#006876;
}


/* v22 content refinements */
.review p{
  white-space:normal;
}
.review strong{
  display:block;
  margin-top:12px;
}

.equity-visual-card{
  margin:20px 0;
  padding:20px;
  background:#EEF3EF;
  border:1px solid rgba(23,74,58,.12);
  border-radius:20px;
}
.equity-house{
  width:46px;
  height:46px;
  display:grid;
  place-items:center;
  color:var(--forest);
  margin-bottom:12px;
}
.equity-house svg{
  width:40px;
  height:40px;
  stroke:currentColor;
}
.equity-property-value{
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-weight:800;
  font-size:1.75rem;
  color:var(--forest);
}
.equity-split-bar{
  display:flex;
  height:22px;
  overflow:hidden;
  border-radius:999px;
  background:var(--stone);
  margin:18px 0 8px;
}
.equity-loan-segment{
  width:50%;
  background:var(--forest);
}
.equity-equity-segment{
  width:50%;
  background:var(--sage);
}
.equity-split-labels{
  display:flex;
  justify-content:space-between;
  gap:16px;
  font-size:13px;
  color:var(--muted);
}
.equity-split-labels strong{
  color:var(--forest);
}

.compact-choices{
  grid-template-columns:repeat(2,minmax(0,1fr));
}

.local-calc h1{
  font-size:clamp(1.9rem,6vw,3rem);
  margin-bottom:20px;
}
.calc-form-grid{
  display:grid;
  gap:10px;
}
.calc-form-grid.two-col{
  grid-template-columns:repeat(2,minmax(0,1fr));
}
.amount-with-frequency{
  display:grid;
  grid-template-columns:minmax(0,1fr) 150px;
  gap:8px;
}
.select-input{
  width:100%;
  border:2px solid var(--stone);
  border-radius:16px;
  background:#fff;
  padding:0 12px;
  color:var(--charcoal);
  outline:none;
}
.select-input:focus{
  border-color:var(--sage);
}
.local-result{
  margin-top:26px;
  padding-top:24px;
  border-top:1px solid var(--stone);
}
.local-result h2{
  margin-bottom:14px;
}
.comparison-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
  margin:18px 0;
}
.comparison-card{
  padding:18px;
  border:1px solid var(--stone);
  border-radius:18px;
  background:#F8F8F4;
}
.comparison-card h3{
  margin-bottom:12px;
}
.comparison-big{
  margin-top:14px;
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-size:1.8rem;
  font-weight:800;
  color:var(--forest);
}
.insight-banner{
  margin:18px 0;
  padding:17px 18px;
  border-radius:16px;
  background:var(--forest);
  color:#fff;
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-weight:700;
}
.stress-card{
  margin-top:20px;
  padding:18px;
  border-radius:18px;
  border:1px solid var(--stone);
  background:#EEF3EF;
}
.stress-card label{
  display:block;
  margin:14px 0 5px;
  font-size:14px;
}
.stress-card input[type="range"]{
  width:100%;
  accent-color:var(--forest);
}
.stress-result{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:18px;
  margin-top:18px;
  padding-top:14px;
  border-top:1px solid rgba(23,74,58,.15);
}
.stress-result strong{
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-size:1.5rem;
  color:var(--forest);
}

@media(max-width:620px){
  .compact-choices,
  .calc-form-grid.two-col,
  .comparison-grid{
    grid-template-columns:1fr;
  }
  .amount-with-frequency{
    grid-template-columns:minmax(0,1fr) 118px;
  }
  .equity-split-labels{
    flex-direction:column;
    gap:2px;
  }
}


/* v24 — simplified Equity result */
.equity-result-card{
  margin:20px 0 0;
  padding:22px;
  background:#EEF3EF;
  border:1px solid rgba(23,74,58,.12);
  border-radius:20px;
}

.equity-result-top{
  display:flex;
  align-items:center;
  gap:14px;
}

.equity-key-results{
  display:grid;
  grid-template-columns:minmax(0,1.35fr) minmax(120px,.65fr);
  gap:12px;
  margin-top:20px;
}

.equity-key-result{
  padding:16px;
  border-radius:16px;
  background:rgba(255,255,255,.72);
  border:1px solid rgba(23,74,58,.10);
}

.equity-key-result .label{
  display:block;
  margin-bottom:5px;
}

.equity-key-number{
  display:block;
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-size:clamp(1.8rem,5vw,2.45rem);
  line-height:1.05;
  font-weight:800;
  color:var(--forest);
}

.equity-key-number-small{
  font-size:clamp(1.55rem,4vw,2rem);
}

.equity-balance-row{
  margin-top:12px;
}

.equity-note{
  margin:16px 0 0;
}

/* RRC — total remains clearly important without competing with the
   outside-home-loan hero number */
.rrc-total-card{
  margin:14px 0 18px;
  padding:16px 18px;
  border-radius:16px;
  background:#F8F8F4;
  border:1px solid var(--stone);
}

.rrc-total-number{
  margin-top:3px;
  font-family:"Manrope","Segoe UI",Arial,sans-serif;
  font-size:clamp(1.45rem,4vw,1.9rem);
  line-height:1.1;
  font-weight:800;
  color:var(--forest);
}

@media(max-width:620px){
  .equity-key-results{
    grid-template-columns:1fr 1fr;
  }
}

@media(max-width:420px){
  .equity-key-results{
    grid-template-columns:1fr;
  }
}


/* v25 — visual RRC repayment breakdown */
[data-rrc-breakdown]{
  border-top:0;
  display:grid;
  gap:8px;
  margin-top:20px;
}

.rrc-breakdown-row{
  --rrc-tone:#174A3A;
  --rrc-bg:rgba(23,74,58,.07);
  --rrc-border:rgba(23,74,58,.16);
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:16px;
  padding:11px 13px;
  border:1px solid var(--rrc-border);
  border-radius:14px;
  background:var(--rrc-bg);
}

.rrc-breakdown-label{
  display:flex;
  align-items:center;
  gap:10px;
  min-width:0;
  font-weight:700;
}

.rrc-breakdown-icon{
  width:34px;
  height:34px;
  flex:0 0 34px;
  display:grid;
  place-items:center;
  border-radius:10px;
  background:rgba(255,255,255,.72);
  color:var(--rrc-tone);
}

.rrc-breakdown-icon svg{
  width:20px;
  height:20px;
  stroke:currentColor;
}

.rrc-breakdown-amount{
  flex:0 0 auto;
  font-weight:800;
  text-align:right;
  color:var(--charcoal);
}

/* Same palette used on the repayment selection cards */
.rrc-tone-home{
  --rrc-tone:#174A3A;
  --rrc-bg:rgba(23,74,58,.08);
  --rrc-border:rgba(23,74,58,.20);
}
.rrc-tone-car{
  --rrc-tone:#527FA3;
  --rrc-bg:rgba(82,127,163,.10);
  --rrc-border:rgba(82,127,163,.24);
}
.rrc-tone-personal{
  --rrc-tone:#C97856;
  --rrc-bg:rgba(201,120,86,.10);
  --rrc-border:rgba(201,120,86,.24);
}
.rrc-tone-card{
  --rrc-tone:#7B6B99;
  --rrc-bg:rgba(123,107,153,.10);
  --rrc-border:rgba(123,107,153,.24);
}
.rrc-tone-bnpl{
  --rrc-tone:#789B7A;
  --rrc-bg:rgba(120,155,122,.12);
  --rrc-border:rgba(120,155,122,.26);
}
.rrc-tone-ato{
  --rrc-tone:#9E8125;
  --rrc-bg:rgba(231,195,74,.16);
  --rrc-border:rgba(231,195,74,.32);
}
.rrc-tone-other{
  --rrc-tone:#006876;
  --rrc-bg:rgba(0,104,118,.09);
  --rrc-border:rgba(0,104,118,.23);
}

@media(max-width:430px){
  .rrc-breakdown-row{
    gap:10px;
    padding:10px 11px;
  }

  .rrc-breakdown-icon{
    width:31px;
    height:31px;
    flex-basis:31px;
  }

  .rrc-breakdown-icon svg{
    width:18px;
    height:18px;
  }

  .rrc-breakdown-amount{
    font-size:14px;
  }
}


/* v26 — RRC result tones aligned to selection-card palette */
.rrc-tone-home{
  --rrc-tone:#174A3A;
  --rrc-bg:rgba(23,74,58,.08);
  --rrc-border:rgba(23,74,58,.20);
}
.rrc-tone-car{
  --rrc-tone:#527FA3;
  --rrc-bg:rgba(82,127,163,.10);
  --rrc-border:rgba(82,127,163,.24);
}
.rrc-tone-personal{
  --rrc-tone:#C97856;
  --rrc-bg:rgba(201,120,86,.10);
  --rrc-border:rgba(201,120,86,.24);
}
.rrc-tone-card{
  --rrc-tone:#7B6B99;
  --rrc-bg:rgba(123,107,153,.10);
  --rrc-border:rgba(123,107,153,.24);
}
.rrc-tone-bnpl{
  --rrc-tone:#789B7A;
  --rrc-bg:rgba(120,155,122,.12);
  --rrc-border:rgba(120,155,122,.26);
}
.rrc-tone-ato{
  --rrc-tone:#006876;
  --rrc-bg:rgba(0,104,118,.09);
  --rrc-border:rgba(0,104,118,.23);
}
.rrc-tone-other{
  --rrc-tone:#006876;
  --rrc-bg:rgba(0,104,118,.09);
  --rrc-border:rgba(0,104,118,.23);
}
\n\n/* v27 submission confirmations + privacy copy */
.form-intro{margin:0 0 16px;color:#59615B;line-height:1.55;font-size:14px}
.submission-disclaimer{margin:14px 0 8px;color:#6E756F;font-size:12px;line-height:1.55}
.submission-disclaimer a{color:#174A3A;font-weight:700}
.back-to-tools-inline{display:inline-flex;margin-top:8px;color:#174A3A;font-size:13px;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.send-success{
  position:fixed;inset:0;z-index:9999;display:flex;align-items:center;justify-content:center;
  padding:20px;background:rgba(40,43,41,.42);backdrop-filter:blur(3px);
  opacity:0;pointer-events:none;transition:opacity .18s ease
}
.send-success.show{opacity:1;pointer-events:auto}
.send-success-card{width:min(420px,92vw);background:#fff;border:1px solid #DEDCD2;border-radius:20px;padding:26px;text-align:center;box-shadow:0 20px 60px rgba(0,0,0,.18);transform:translateY(8px) scale(.98);transition:transform .18s ease}
.send-success.show .send-success-card{transform:translateY(0) scale(1)}
.send-success-icon{width:48px;height:48px;margin:0 auto 12px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#E9EFEA;color:#174A3A}
.send-success-icon svg{width:26px;height:26px;stroke:currentColor;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.send-success-card h3{margin:0 0 6px;font-family:'Manrope',Arial,sans-serif;color:#174A3A;font-size:20px}
.send-success-card p{margin:0;color:#59615B;line-height:1.5}


/* v29 review rating/date metadata */
.review-meta{
  display:flex;
  align-items:center;
  gap:10px;
  flex-wrap:wrap;
  margin-top:14px;
  font-size:13px;
  color:#666;
}
.review-stars{
  color:#E7C34A;
  letter-spacing:1px;
  font-size:16px;
  line-height:1;
}

/* Page-level return link: deliberately outside contact modals and submission forms */
.tool-page-footer{
  display:flex;
  justify-content:center;
  margin:18px 0 8px;
}
.tool-page-footer .back-to-tools-inline{
  display:inline-flex;
  align-items:center;
}