.no-js .interactive-only { display: none !important; }
.no-js #checklist-status { display: none; }
.calculator-next-step { margin-top: 24px; padding: 24px; border: 1px solid var(--mint-border); border-radius: 14px; background: var(--mint-surface); }
.calculator-next-step h3 { margin-top: 0; }
.calculator-next-step .eyebrow { color: var(--secondary); }
.content-disclosure > summary { padding-block: 12px; cursor: pointer; color: var(--primary); min-height: 44px; }
.content-disclosure > summary h2 { display: inline; margin: 0; font-size: clamp(1.125rem, 2.5vw, 1.375rem); }
.content-disclosure > summary span { display: block; margin-top: 8px; color: var(--muted-text); font-size: .875rem; font-weight: 400; line-height: 1.65; }
.content-disclosure > summary:focus-visible { outline: 3px solid var(--secondary); outline-offset: 4px; border-radius: 4px; }
.calculator-advanced-body { padding-top: 16px; }
.calculator-advanced-section + .calculator-advanced-section { margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--border); }
.content-disclosure, .calculator-advanced-section { scroll-margin-top: 24px; }
@media (max-width: 620px) { .calculator-next-step { padding: 20px; } .calculator-next-step .button { width: 100%; } }
.situation-section { padding-block: 48px; border-block: 1px solid var(--border); background: var(--surface); }
.situation-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.situation-grid > a { display: grid; gap: 6px; padding: 20px; border: 1px solid var(--border); border-radius: 14px; background: var(--background); transition: border-color 160ms ease, background 160ms ease; }
.situation-grid > a:hover { border-color: var(--secondary); background: #f0fdfa; }
.situation-grid strong { font-size: 1rem; color: var(--primary); }
.situation-grid span { color: var(--muted-text); font-size: .875rem; }
.decision-workspace { max-width: 1120px; padding-bottom: 64px; }
.tool-breadcrumb { display: flex; flex-wrap: wrap; gap: 12px; padding-block: 24px; color: var(--muted-text); font-size: .875rem; }
.tool-breadcrumb a, .tool-heading a { text-decoration: underline; text-underline-offset: 4px; }
.tool-heading { margin: 16px 0 32px; max-width: 760px; }
.tool-heading h1 { font-size: clamp(2rem, 4.2vw, 3.3rem); line-height: 1.2; letter-spacing: -.035em; margin: 12px 0 18px; color: var(--primary); }
.tool-heading > p:last-child { max-width: 640px; color: var(--muted-text); }
.guide-layout { display: grid; grid-template-columns: minmax(0, 1.8fr) minmax(240px, 1fr); gap: 28px; align-items: start; }
.tool-panel { padding: 28px; border: 1px solid var(--border); border-radius: 18px; background: var(--surface); }
.tool-panel h3 { margin-top: 0; }
.tool-section-title { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 24px; }
.step-badge { flex-shrink: 0; display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: #e6f3f1; color: var(--secondary); font-weight: 700; }
.tool-section-title h2 { font-size: 1.25rem; line-height: 1.4; margin: 0 0 6px; color: var(--primary); }
.tool-section-title p { margin: 0; color: var(--muted-text); font-size: .875rem; }
.guide-progress { display: flex; align-items: center; gap: 18px; margin-bottom: 18px; }
.guide-progress p { margin: 0; font-size: .875rem; white-space: nowrap; color: var(--muted-text); }
.guide-progress progress { flex: 1; min-width: 0; height: 7px; border: 0; border-radius: 10px; accent-color: var(--secondary); }
.guide-progress progress::-webkit-progress-bar { background: var(--border); border-radius: 10px; }
.guide-progress progress::-webkit-progress-value { background: var(--secondary); border-radius: 10px; }
#situation-guide > fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
#situation-guide legend { padding: 0; margin-bottom: 16px; font-weight: 600; font-size: 1.125rem; }
.guide-options { display: grid; gap: 10px; }
.guide-options label { display: flex; align-items: center; gap: 12px; min-height: 58px; padding: 14px 16px; border: 1px solid var(--border); border-radius: 10px; cursor: pointer; }
.guide-options label:has(input:checked) { border-color: var(--secondary); background: #f0fdfa; box-shadow: inset 0 0 0 1px var(--secondary); }
.guide-options input, .checklist-item input { width: 20px; height: 20px; margin: 2px 0 0; flex-shrink: 0; accent-color: var(--secondary); }
.tool-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }
#situation-guide > .tool-actions { margin-top: 24px; justify-content: flex-end; }
.tool-note { color: var(--muted-text); font-size: .875rem; line-height: 1.65; margin-bottom: 0; }
.tool-error { color: #991b1b; font-size: .875rem; }
.tool-error[role=alert] { padding: 10px 12px; background: #fef2f2; border-radius: 8px; }
.guide-aside { padding: 28px 10px; }
.guide-aside h2 { color: var(--primary); font-size: 1.5rem; line-height: 1.35; }
.guide-aside p { color: var(--muted-text); }
.guide-aside-line { height: 1px; background: var(--border); margin-block: 28px; }
.guide-recommendation { padding: 18px 0; border-top: 1px solid var(--border); }
.guide-recommendation h4 { margin: 0; font-size: 1rem; }
.guide-recommendation p { color: var(--muted-text); margin-block: 8px; }
#guide-result > .tool-actions { margin-top: 24px; }
.checklist-panel { margin-top: 28px; }
.checklist-panel > summary { min-height: 44px; padding-block: 8px; cursor: pointer; color: var(--primary); font-weight: 600; font-size: 1.125rem; }
.checklist-panel > summary:focus-visible { outline: 3px solid var(--secondary); outline-offset: 4px; }
.checklist-panel[open] > .tool-note { margin: 8px 0 20px; }
.guide-provider-aside { padding: 24px; border: 1px solid var(--mint-border); border-radius: 16px; background: #effcf8; }
.guide-provider-aside h2 { font-size: 1.25rem; }
.guide-provider-links { display: grid; gap: 12px; }
.guide-provider-links .button { font-size: .875rem; text-align: left; white-space: normal; }
.guide-product { padding: 22px; margin-block: 20px 28px; border: 1px solid var(--mint-border); border-top: 4px solid var(--secondary); border-radius: 14px; background: #f0fdfa; }
.guide-product > .eyebrow { font-size: .875rem; color: var(--secondary); }
.guide-product h3 { color: var(--primary); }
.guide-product p { font-size: 1rem; line-height: 1.65; }
.guide-product .affiliate-action > .button { width: 100%; text-align: center; white-space: normal; }
#guide-product-note { font-weight: 600; color: var(--primary); }
.guide-preparation-title { margin: 0; font-size: 1rem; }
@media (max-width: 480px) { .guide-product { padding: 18px 14px; } }
.checklist-toolbar { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; padding: 16px 0; border-block: 1px solid var(--border); }
.checklist-toolbar > p { margin: 0; font-weight: 600; color: var(--secondary); }
.checklist-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; margin-top: 24px; }
.checklist-group { border: 0; margin: 0; padding: 0; min-width: 0; }
.checklist-group legend { padding: 0 0 8px; color: var(--primary); font-weight: 700; }
.checklist-item { display: flex; gap: 12px; padding-block: 12px; align-items: flex-start; cursor: pointer; min-height: 48px; }
.checklist-item:has(input:checked) { color: var(--secondary); }
.text-button { min-height: 44px; padding: 8px 4px; border: 0; background: transparent; color: var(--primary); text-decoration: underline; text-underline-offset: 4px; font-weight: 600; font-size: .875rem; }
.quote-capture { margin: 20px 0; }
.quote-capture .tool-actions { margin-top: 18px; }
.quote-capture .field small { font-size: .875rem; }
.quote-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.quote-card { padding: 20px; border: 1px solid var(--border); border-radius: 14px; background: var(--surface); min-width: 0; }
.quote-card-header { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.quote-card-header h3 { margin: 0; color: var(--primary); }
.quote-empty { color: var(--muted-text); }
.quote-state { font-size: .875rem; color: var(--secondary); }
.quote-card .result-list > div { display: block; padding-block: 10px; }
.quote-card .result-list dd { margin: 3px 0 0; font-size: 1.125rem; font-variant-numeric: tabular-nums; color: var(--primary); }
.quote-card .result-list dt { font-size: .875rem; color: var(--muted-text); }
.quote-card > button { margin-top: 16px; width: 100%; }
.comparison-verdict { padding: 18px; background: #e6f3f1; border-left: 3px solid var(--secondary); border-radius: 0 10px 10px 0; }
.lender-questions { margin-block: 24px; border-top: 3px solid var(--secondary); }
.lender-questions > .eyebrow { color: var(--secondary); font-size: .75rem; letter-spacing: .06em; }
.lender-questions ol { padding-left: 24px; }
.lender-questions li, #quote-difference-reasons li { padding-block: 6px; }
#lender-copy-status:empty { display: none; }
#lender-copy-status { color: var(--secondary); font-size: .875rem; }
#lender-copy-fallback label { display: block; margin-block: 16px 8px; font-weight: 600; }
#lender-question-text { width: 100%; max-width: 100%; min-height: 180px; padding: 14px; border: 1px solid var(--border); border-radius: 10px; background: var(--background); color: var(--foreground); font: inherit; line-height: 1.65; resize: vertical; }
.quote-explanation { margin-top: 20px; }
.quote-breakdown { min-width: 420px; }
.quote-breakdown th[scope=row] { font-weight: 400; }
.quote-breakdown td { font-variant-numeric: tabular-nums; text-align: right; }
.quote-breakdown tfoot th, .quote-breakdown tfoot td { font-weight: 700; color: var(--primary); border-top: 2px solid var(--border); background: #f0fdfa; }
.provider-brief-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-block: 24px; }
.provider-brief-grid > div { padding: 20px; border: 1px solid var(--border); border-radius: 14px; background: var(--surface); }
.provider-brief-grid dt { margin-bottom: 8px; color: var(--primary); font-weight: 700; }
.provider-brief-grid dd { margin: 0; font-size: .9375rem; line-height: 1.7; color: var(--muted-text); }
.scenario-tools { display: grid; gap: 20px; }
.payoff-details { border: 1px solid var(--border); border-radius: 14px; padding: 20px; background: var(--surface); }
.payoff-details > summary { cursor: pointer; font-weight: 600; color: var(--primary); min-height: 44px; }
#payoff-fields { padding: 0; margin: 0; border: 0; min-width: 0; }
#payoff-fields:disabled { opacity: .6; }
#payoff-fields .form-grid { margin: 20px 0; }
#payoff-fields .field:last-child { grid-column: 1 / -1; }
.payoff-result { border-top: 1px solid var(--border); margin-top: 24px; padding-top: 16px; }
#payoff-difference { font-weight: 600; color: var(--secondary); }
.print-memo { display: none; }
.term-help { margin-block: 16px; border: 1px solid var(--border); border-radius: 10px; padding: 4px 16px; background: var(--background); }
.term-help summary, .support-details summary, .payment-details > summary, .saved-schedule > summary { min-height: 44px; padding-block: 12px; cursor: pointer; color: var(--primary); font-weight: 600; }
.term-help p { margin: 4px 0 14px; font-size: .9375rem; line-height: 1.7; }
.payment-details { margin-top: 20px; border-top: 1px solid var(--border); padding-top: 6px; }
.payment-rows { display: grid; gap: 16px; margin-block: 16px; }
.payment-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) auto; align-items: end; gap: 12px; padding-block: 12px; border-bottom: 1px solid var(--border); }
.payment-row .field { min-width: 0; }
.payment-row input { min-width: 0; max-width: 100%; }
.saved-schedule { margin-top: 16px; border-top: 1px solid var(--border); }
.payment-chart { margin: 18px 0 0; padding: 16px; border: 1px solid var(--border); border-radius: 12px; background: #f8fafc; }
.payment-chart figcaption { color: var(--primary); font-size: 1rem; font-weight: 700; }
.payment-chart .payment-chart-scale { margin: 8px 0 12px; font-size: .875rem; line-height: 1.6; color: var(--muted-text); }
.payment-chart-summary { margin: 12px 0; font-size: .875rem; }
.payment-chart-summary > div { padding: 8px 0; }
.payment-chart-summary dt { color: var(--muted-text); }
.payment-chart-summary dd { margin: 3px 0 0; color: var(--primary); font-weight: 600; overflow-wrap: anywhere; }
.payment-chart .payment-chart-rows { list-style: none; padding: 0 8px 0 0; margin: 16px 0 0; max-height: 240px; overflow-y: auto; scrollbar-gutter: stable; }
.payment-chart-rows:focus-visible { outline: 3px solid var(--secondary); outline-offset: 3px; }
.payment-chart .payment-chart-rows li { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 6px 10px; padding: 9px 0; font-size: .875rem; line-height: 1.5; }
.payment-chart-value { text-align: right; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.payment-chart-track { grid-column: 1 / -1; height: 8px; overflow: hidden; background: #dce6ea; border-radius: 4px; }
.payment-chart-bar { display: block; height: 100%; background: #0f766e; }
.payment-chart-peak { color: var(--primary); font-weight: 600; }
.payment-chart-peak .payment-chart-bar { background: #172d78; }
@media print { .payment-chart .payment-chart-rows { max-height: none; overflow: visible; } }
.saved-payment-list { max-height: 300px; overflow-y: auto; padding-left: 24px; font-size: .875rem; }
.saved-payment-list li { padding-block: 4px; }
.saved-payment-list:focus-visible { outline: 3px solid var(--primary); outline-offset: 4px; }
.budget-panel .form-grid { margin-block: 24px; align-items: start; }
.budget-panel .field small { font-size: .875rem; }
.budget-result { margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--border); }
.budget-metrics { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.budget-metrics > div { padding: 16px; background: var(--background); border: 1px solid var(--border); border-radius: 10px; }
.budget-metrics dt { font-size: .875rem; color: var(--muted-text); }
.budget-metrics dd { margin: 10px 0 0; font-size: 1.125rem; font-weight: 700; color: var(--primary); overflow-wrap: anywhere; }
.comparison-table .budget-deficit { color: #991b1b; background: #fef2f2; font-weight: 600; }
.guide-shortcuts { margin-block: -8px 28px; padding-block: 12px; border-block: 1px solid var(--border); }
.guide-shortcuts a, .borrower-support .text-link { min-height: 44px; display: inline-flex; align-items: center; }
.borrower-support { margin-top: 28px; }
.borrower-support h2 { color: var(--primary); font-size: 1.5rem; line-height: 1.4; margin-top: 8px; }
.support-details { border-top: 1px solid var(--border); padding-block: 6px; }
.support-details li, .after-payoff-steps li { padding-block: 8px; }
.after-payoff-steps { padding-left: 24px; }
.tool-panel .button, .quote-card .button, .scenario-tools .button { white-space: normal; text-align: center; }
button:disabled { cursor: not-allowed; opacity: .55; }
@media (max-width: 820px) {
  .situation-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .guide-layout { grid-template-columns: 1fr; gap: 4px; }
  .guide-aside { padding: 24px 4px; }
  .guide-aside-line, .guide-aside-line + p { display: none; }
}
@media (max-width: 560px) {
  .tool-panel { padding: 20px 16px; border-radius: 14px; }
  .tool-section-title { gap: 12px; }
  .situation-grid, .checklist-grid, .quote-grid { grid-template-columns: 1fr; }
  .provider-brief-grid { grid-template-columns: 1fr; }
  .provider-brief-grid > div { padding: 16px; }
  .situation-section { padding-block: 32px; }
  .situation-section .split-heading { align-items: flex-start; }
  .situation-grid > a { padding: 16px; }
  .checklist-toolbar { align-items: flex-start; }
  .quote-capture .form-grid, #payoff-fields .form-grid { grid-template-columns: 1fr; }
  .tool-actions .button { flex-grow: 1; }
  .quote-card { padding: 16px; }
  .payment-row { grid-template-columns: minmax(0, 1fr); gap: 10px; }
  .payment-row .text-button { justify-self: start; }
  .budget-panel .form-grid, .budget-metrics { grid-template-columns: minmax(0, 1fr); }
  .payoff-details { padding: 16px; }
}
@media (prefers-reduced-motion: reduce) { .situation-grid > a { transition: none; } }
@media print {
  body.printing-checklist { background: white; }
  body.printing-checklist > :not(main), body.printing-checklist main > :not(.decision-workspace), body.printing-checklist .decision-workspace > :not(.print-memo) { display: none !important; }
  body.printing-checklist .print-memo { display: block !important; color: black; font-size: 11pt; }
  body.printing-checklist .decision-workspace { width: 100%; padding: 0; max-width: none; }
  .print-memo h1 { font-size: 20pt; line-height: 1.3; }
  .print-memo h2 { font-size: 14pt; margin-top: 20px; }
  .print-memo li { padding-block: 4px; break-inside: avoid; }
  .print-memo p { font-size: 10pt; }
  .print-memo a::after { content: none !important; }
}