*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --green-dark:#1A4731;
  --green-mid:#2D6A4F;
  --green-btn:#1B5E20;
  --green-btn-hover:#154a19;
  --green-light:#E8F5EC;
  --green-pale:#F0FAF2;
  --orange:#E8640A;
  --orange-light:#FFF3EC;
  --white:#FFFFFF;
  --card:#FFFFFF;
  --border:#D4E8DA;
  --text:#0F2417;
  --muted:#4A6358;
  --muted2:#7A9A88;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 2px 16px rgba(26,71,49,.09);
  --shadow-hover:0 6px 28px rgba(26,71,49,.15);
}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',system-ui,sans-serif;background:var(--green-light);color:var(--text);line-height:1.6;font-size:16px;min-height:100vh;overflow-x:hidden}
a{color:var(--green-mid);text-decoration:none}
a:hover{text-decoration:underline}

/* NAV */
.site-nav-bar{background:var(--green-dark);padding:0 20px;position:sticky;top:0;z-index:200;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.nav-inner{max-width:1080px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:58px}
.logo{font-size:1.3rem;font-weight:800;color:#fff;letter-spacing:-.5px}
.logo span{color:#6EE49A}
.nav-links{display:flex;gap:20px;list-style:none}
.nav-links a{color:rgba(255,255,255,.82);font-size:.88rem;font-weight:500;padding:6px 2px;border-bottom:2px solid transparent;transition:border-color .2s,color .2s}
.nav-links a:hover,.nav-links a.active{color:#fff;border-bottom-color:#6EE49A;text-decoration:none}

/* BREADCRUMB */
.breadcrumb{background:var(--white);border-bottom:1px solid var(--border);padding:9px 20px;font-size:.78rem;color:var(--muted2)}
.breadcrumb-inner{max-width:1080px;margin:0 auto}
.breadcrumb a{color:var(--green-mid)}
.breadcrumb span{margin:0 5px;color:var(--muted2)}

/* PAGE HERO */
.page-hero{background:linear-gradient(160deg,var(--green-dark) 0%,var(--green-mid) 100%);padding:40px 20px 32px;text-align:center}
.page-hero h1{font-size:clamp(1.15rem,3.8vw,2rem);font-weight:800;color:#fff;line-height:1.2;margin-bottom:10px}
.page-hero p{font-size:.95rem;color:rgba(255,255,255,.82);max-width:580px;margin:0 auto}
.page-hero .badge{display:inline-block;background:rgba(110,228,154,.2);color:#6EE49A;border:1px solid rgba(110,228,154,.4);border-radius:20px;font-size:.75rem;font-weight:700;padding:3px 12px;margin-bottom:12px;letter-spacing:.5px}

/* MAIN LAYOUT */
.page-wrap{max-width:1080px;margin:0 auto;padding:24px 16px 60px;display:grid;grid-template-columns:1fr 280px;gap:24px;align-items:start}
@media(max-width:820px){
  .page-wrap{display:flex;flex-direction:column;gap:16px;padding:16px 12px 70px}
  .main-col{order:1}
  .sidebar{order:2}
}
@media(max-width:480px){.page-wrap{padding:12px 10px 70px}}

/* CARDS */
.card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-bottom:20px}
.card:last-child{margin-bottom:0}
.card-title{font-size:1rem;font-weight:800;color:var(--green-dark);margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--green-light)}
@media(max-width:520px){.card{padding:22px 16px;margin-bottom:16px}.card-title{margin-bottom:16px}}

/* TWO-COLUMN SECTION HEADERS */
.section-header{display:flex;align-items:center;gap:10px;margin-bottom:16px;padding-bottom:12px;border-bottom:2px solid var(--green-light)}
.section-label{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.8px;background:var(--green-dark);color:#fff;padding:3px 10px;border-radius:20px}
.section-title{font-size:1rem;font-weight:800;color:var(--green-dark)}

/* CALCULATOR FORM */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.form-grid{grid-template-columns:1fr}}
.fld{display:flex;flex-direction:column;gap:5px}
.fld label{font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--muted)}
.fld .hint{font-size:.72rem;color:var(--muted2);margin-top:2px}
.inp-wrap{position:relative}
.inp-wrap .pre,.inp-wrap .suf{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted2);font-size:.88rem;pointer-events:none}
.inp-wrap .pre{left:12px}
.inp-wrap .suf{right:12px}
.fld input,.fld select{width:100%;padding:11px 12px;border:1.5px solid var(--border);border-radius:var(--radius-sm);font-size:.97rem;color:var(--text);background:var(--green-pale);-webkit-appearance:none;transition:border-color .2s,box-shadow .2s}
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield;appearance:textfield}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--green-mid);box-shadow:0 0 0 3px rgba(45,106,79,.12)}
.fld input.pre-pad{padding-left:26px}
.fld input.suf-pad{padding-right:28px}

/* DIVIDER between current/new loan sections */
.loan-divider{display:flex;align-items:center;gap:12px;margin:20px 0}
.loan-divider::before,.loan-divider::after{content:'';flex:1;height:1px;background:var(--border)}
.loan-divider-label{font-size:.75rem;font-weight:700;color:var(--muted2);white-space:nowrap;text-transform:uppercase;letter-spacing:.5px}

/* CALC BUTTON */
.calc-btn{width:100%;margin-top:18px;padding:15px;background:var(--green-btn);color:#fff;border:none;border-radius:var(--radius-sm);font-size:1rem;font-weight:800;cursor:pointer;letter-spacing:.2px;transition:background .2s,transform .1s,box-shadow .2s}
.calc-btn:hover{background:var(--green-btn-hover);box-shadow:0 4px 16px rgba(27,94,32,.3)}
.calc-btn:active{transform:scale(.99)}

/* RESULTS */
.results{display:none;margin-top:24px;border-top:2px solid var(--green-light);padding-top:22px}
.results.show{display:block}

/* VERDICT BOX — replaces total-box, shows the primary recommendation */
.verdict-box{border-radius:var(--radius);padding:24px 20px;text-align:center;margin-bottom:18px}
.verdict-box.save{background:linear-gradient(135deg,var(--green-dark),var(--green-mid))}
.verdict-box.nosave{background:linear-gradient(135deg,#7A4419,#B05A20)}
.verdict-box .vlabel{font-size:.78rem;color:rgba(255,255,255,.7);font-weight:600;letter-spacing:.4px;text-transform:uppercase;margin-bottom:6px}
.verdict-box .vamount{font-size:2.4rem;font-weight:800;color:#fff;letter-spacing:-1.5px;line-height:1;max-width:100%;overflow-wrap:anywhere;word-break:break-word}
.verdict-box .vsub{font-size:.8rem;color:rgba(255,255,255,.7);margin-top:10px}
.verdict-box .vsub strong{color:#fff}

/* SAVINGS GRID */
.bk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}
.bk-item{min-width:0}
@media(max-width:480px){.bk-grid{grid-template-columns:1fr 1fr}}
.bk-item{background:var(--green-pale);border-radius:var(--radius-sm);padding:12px 14px;border-left:3px solid var(--green-mid)}
.bk-item.orange{border-left-color:var(--orange)}
.bk-item.dark{border-left-color:var(--green-dark)}
.bk-item.highlight{border-left-color:#6EE49A;background:#E6FAF0}
.bk-label{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--muted2);margin-bottom:3px}
.bk-val{font-size:1.1rem;font-weight:800;color:var(--green-dark)}
.bk-val.green{color:#1A6B34}
.bk-val.orange{color:var(--orange)}

/* BREAK-EVEN TIMELINE */
.timeline-wrap{margin-bottom:18px}
.timeline-label{font-size:.78rem;font-weight:700;color:var(--muted);margin-bottom:8px;text-transform:uppercase;letter-spacing:.5px}
.timeline-bar-bg{background:var(--border);border-radius:8px;height:16px;overflow:hidden;position:relative}
.timeline-bar{height:100%;background:linear-gradient(90deg,var(--green-mid),#6EE49A);border-radius:8px;transition:width .8s ease;min-width:4px}
.timeline-markers{display:flex;justify-content:space-between;font-size:.65rem;color:var(--muted2);margin-top:4px}
.breakeven-callout{display:flex;align-items:center;gap:10px;background:var(--green-pale);border:1.5px solid var(--border);border-radius:var(--radius-sm);padding:14px;margin-top:10px}
.breakeven-num{font-size:2rem;font-weight:800;color:var(--green-dark);line-height:1;flex-shrink:0}
.breakeven-text{font-size:.82rem;color:var(--text);line-height:1.5}
.breakeven-text strong{color:var(--green-dark)}

/* COMPARISON TABLE */
.compare-tbl{width:100%;border-collapse:collapse;font-size:.85rem;margin-bottom:18px}
.compare-tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;margin-bottom:18px;border:1px solid var(--border);border-radius:var(--radius-sm)}
.compare-tbl .th-short{display:none}

.scroll-hint{display:none;font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px;font-weight:700;margin-bottom:8px;text-align:center}

@media(max-width:520px){
  .compare-tbl{min-width:480px;font-size:.78rem}
  .compare-tbl th,.compare-tbl td{padding:10px 10px;white-space:nowrap}
  .compare-tbl th{font-size:.66rem}
  .compare-tbl th .th-full{display:none}
  .compare-tbl th .th-short{display:inline}
  .scroll-hint{display:block}
}
.compare-tbl th{background:var(--green-dark);color:#fff;padding:10px 14px;text-align:left;font-size:.72rem;text-transform:uppercase;letter-spacing:.5px;border-right:1px solid rgba(255,255,255,0.1)}
.compare-tbl th:last-child{border-right:none}
.compare-tbl th:not(:first-child){text-align:right}
.compare-tbl td{padding:10px 14px;border-bottom:1px solid var(--border);border-right:1px solid var(--border)}
.compare-tbl td:last-child{border-right:none}
.compare-tbl td:not(:first-child){text-align:right;font-weight:700}
.compare-tbl tr:nth-child(even){background:var(--green-pale)}
.compare-tbl .better{color:#1A6B34}
.compare-tbl .worse{color:var(--orange)}
.compare-tbl .total-row td{font-weight:800;background:#E6FAF0;color:var(--green-dark);border-bottom:none}

/* AMORTIZATION */
.amort-btn{background:none;border:1.5px solid var(--green-mid);color:var(--green-mid);padding:9px 18px;border-radius:var(--radius-sm);font-size:.82rem;font-weight:700;cursor:pointer;transition:all .2s}
.amort-btn:hover{background:var(--green-mid);color:#fff}
.amort-wrap{display:none;margin-top:14px;overflow-x:auto}
.amort-wrap.open{display:block}
.amort-tbl{width:100%;border-collapse:collapse;font-size:.8rem}
.amort-tbl th{background:var(--green-dark);color:#fff;padding:9px 12px;text-align:right}
.amort-tbl th:first-child{text-align:left}
.amort-tbl td{padding:7px 12px;border-bottom:1px solid var(--border);text-align:right}
.amort-tbl td:first-child{text-align:left;font-weight:700}
.amort-tbl tr:nth-child(even){background:var(--green-pale)}
@media(max-width:860px){
  .amort-wrap{overflow-x:auto;overflow-y:hidden;padding-bottom:2px}
  .amort-tbl{min-width:34rem;width:max-content}
  .amort-tbl th,.amort-tbl td{white-space:nowrap}
}

/* DISCLAIMER */
.disclaimer-box{background:#FFFBEC;border:1px solid #F0D060;border-radius:var(--radius-sm);padding:12px 14px;font-size:.75rem;color:#5A4800;line-height:1.5;margin-top:16px}

/* AD SLOTS */
.ad-slot{display:block;background:transparent}
.ad-slot-results{min-height:0}
.ad-slot-in-content{min-height:0;margin:0}
.ad-slot-sidebar{min-height:0}
.ad-slot-anchor{min-height:50px;position:fixed;bottom:0;width:100%;pointer-events:none}

/* CONTENT */
.content h2{font-size:1.2rem;font-weight:800;color:var(--green-dark);margin:0 0 12px}
.content h3{font-size:1rem;font-weight:700;color:var(--green-dark);margin:20px 0 8px}
.content p{margin-bottom:13px;font-size:.93rem;color:var(--text);line-height:1.7}
.content ul,.content ol{margin:0 0 13px 20px;font-size:.93rem;line-height:1.8}
.content li{margin-bottom:4px}
.formula{background:var(--green-pale);border-left:4px solid var(--green-mid);padding:12px 16px;border-radius:4px;font-family:'Courier New',monospace;font-size:.85rem;margin:14px 0;color:var(--green-dark)}
.callout{background:var(--green-pale);border-left:4px solid var(--green-mid);padding:14px 18px;border-radius:4px;margin:16px 0;font-size:.9rem}
.callout.orange{border-left-color:var(--orange);background:var(--orange-light)}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:14px 4px;font-size:.92rem;font-weight:700;color:var(--green-dark);cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.faq-icon{font-size:1.1rem;color:var(--green-mid);transition:transform .25s;flex-shrink:0}
.faq-q[aria-expanded=true] .faq-icon{transform:rotate(45deg)}
.faq-a{display:none;padding:0 4px 14px;font-size:.88rem;line-height:1.7;color:var(--text)}
.faq-a.open{display:block}

/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:16px}
.s-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px}
.s-card h3{font-size:.88rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--green-dark);margin-bottom:12px}
.s-links{list-style:none;display:flex;flex-direction:column;gap:5px}
.s-links li a{display:flex;align-items:center;justify-content:space-between;padding:8px 10px;border-radius:8px;font-size:.82rem;color:var(--text);border:1px solid var(--border);transition:all .15s}
.s-links li a:hover{background:var(--green-pale);border-color:var(--green-mid);text-decoration:none}
.s-links li a .arr{color:var(--green-mid);font-size:.7rem}
.q-links{list-style:none;display:flex;flex-direction:column;gap:5px}
.q-links li a{font-size:.82rem;display:block;padding:4px 0;color:var(--green-mid)}

/* QUICK ANSWER BOX (sidebar) */
.quick-box{background:linear-gradient(135deg,var(--green-dark),var(--green-mid));border-radius:var(--radius);padding:18px;color:#fff}
.quick-box h3{color:#6EE49A;font-size:.82rem;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px}
.quick-box p{font-size:.82rem;color:rgba(255,255,255,.85);line-height:1.6;margin-bottom:8px}
.quick-box p:last-child{margin-bottom:0}

/* FOOTER */
.site-footer{background:var(--green-dark);color:rgba(255,255,255,.65);padding:40px 20px 24px;font-size:.8rem}
.footer-grid{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:24px;margin-bottom:28px}
.footer-grid h4{color:#fff;font-size:.82rem;margin-bottom:10px;text-transform:uppercase;letter-spacing:.5px}
.footer-grid ul{list-style:none;display:flex;flex-direction:column;gap:6px}
.footer-grid a{color:rgba(255,255,255,.6)}
.footer-grid a:hover{color:#6EE49A;text-decoration:none}
.footer-disc{max-width:1080px;margin:0 auto 16px;color:rgba(255,255,255,.4);font-size:.72rem;line-height:1.6}
.footer-bottom{max-width:1080px;margin:0 auto;border-top:1px solid rgba(255,255,255,.1);padding-top:14px;text-align:center;color:rgba(255,255,255,.35)}


/* === MyMortgageOwl Mobile Patch === */
/* Remove any remaining email capture widgets */
.email-capture,.alert-box,.alert-form{display:none!important}
/* Ensure inputs/buttons meet 44px touch target */
.fld input,.fld select,.fl input,.fl select,.inp,.cb,.calc-btn{min-height:44px}
.fld input,.fld select,.fl input,.fl select{font-size:16px!important} /* prevent iOS zoom */
/* Fix total amount on tiny screens */
@media(max-width:380px){
  .total-box .tamount,.tb .ta,.res-box .rv{font-size:2rem;letter-spacing:-1px}
  .bk-val,.gv{font-size:.95rem}
  .bk-grid,.bg3,.grid3{grid-template-columns:1fr 1fr}
  .card,.cd{padding:16px}
  .page-hero{padding:24px 16px 20px}
}

/* Prevent right-side clipping on narrow screens with long verdict values like "$1,234.56/mo" */
@media(max-width:420px){
  .verdict-box{padding:22px 16px}
  .verdict-box .vamount{font-size:2.0rem;letter-spacing:-1px}
  .verdict-box .vsub{font-size:.78rem}
}
/* Ensure mobile nav bottom padding works */
@media(max-width:640px){
  body{padding-bottom:72px}
  .mob-nav{display:block}
  .ad-slot-anchor{bottom:56px} /* push anchor ad above mob nav */
}
/* Make tables scrollable on mobile */
.amort-wrap,.amort-tbl,.aw,.at{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
/* Ensure page-wrap doesn't overflow */
.page-wrap,.pw{max-width:100%;overflow-x:hidden}
/* Lender box buttons full-width on very small screens */
@media(max-width:360px){
  .lender-row,.lr{flex-wrap:wrap}
  .lender-btn,.lbtn{width:100%;margin-top:6px}
}
/* Fix nav on mobile - make sure hamburger is visible */
.nav-toggle{display:none}
@media(max-width:640px){
  .nav-toggle{display:flex!important}
  #main-nav:not(.open){display:none!important}
  .nav-links{flex-direction:column!important;gap:0!important}
  .nav-links a{display:block!important;padding:12px 4px!important;font-size:.95rem!important;border-bottom:1px solid rgba(255,255,255,.08)!important}
}
/* Cookie banner above mob nav */
#cookie-banner{bottom:56px!important}
@media(min-width:641px){#cookie-banner{bottom:0!important}}