*,*::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}
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 — desktop: 2-col grid; mobile: flex column with explicit order */
.page-wrap{max-width:1080px;margin:0 auto;padding:24px 16px 90px;display:grid;grid-template-columns:1fr 280px;grid-auto-rows:min-content;gap:20px 24px;align-items:start}
/* Left column: main content spans all rows */
.main-col{grid-column:1;grid-row:1/span 20}
/* Right column: ad + s-cards stack in col 2 */
.ad-slot-sidebar,.s-card-state,.s-card-state2,.s-card-more,.s-card-guides{grid-column:2}

@media(max-width:860px){
  .page-wrap{display:flex;flex-direction:column;gap:16px;padding:16px 12px 90px}
  .main-col,.s-card-state,.s-card-state2,.s-card-more,.s-card-guides{grid-column:unset;grid-row:unset}
  /* Mobile order: calculator → primary state card → secondary state → more → guides */
  .main-col{order:1}
  .s-card-state{order:2}
  .s-card-state2{order:3}
  .s-card-more{order:4}
  .s-card-guides{order:5}
  .ad-slot-sidebar{display:none!important}
  .s-card{width:100%;box-sizing:border-box}
  /* 2-column grid for state/country calculator cards */
  .s-links-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .s-links-grid li a{font-size:.8rem;padding:10px 8px;min-height:44px}
}
@media(max-width:480px){.page-wrap{padding:12px 10px 90px}}

/* 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)}

/* 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-full{grid-column:1/-1}
.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}

/* Toggle buttons (Insurance: $/yr vs % of value) */
.toggle-group{display:flex;gap:8px;align-items:center;margin-top:6px;flex-wrap:wrap}
.tog{
  padding:8px 10px;
  border-radius:10px;
  border:1.5px solid var(--border);
  background:#fff;
  color:var(--text);
  font-weight:900;
  font-size:.85rem;
  cursor:pointer;
  transition:transform .12s,box-shadow .12s,border-color .12s,background .12s,color .12s;
}
.tog:hover{border-color:var(--green-mid);box-shadow:0 10px 18px rgba(26,71,49,.08);transform:translateY(-1px)}
.tog:active{transform:translateY(0)}
.tog:focus-visible{outline:3px solid rgba(45,106,79,.35);outline-offset:2px}
.tog.active{background:var(--green-dark);border-color:var(--green-dark);color:#fff}

/* Insurance risk factors: collapsible + “card” chips */
.miq-risk-acc{margin-top:2px}
.miq-risk-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(190px,1fr));
  gap:10px;
  margin-bottom:10px;
}
.miq-risk-chip{
  display:flex;
  align-items:flex-start;
  gap:10px;
  padding:10px 12px;
  border:1.5px solid var(--border);
  border-radius:12px;
  background:var(--green-pale);
  cursor:pointer;
  user-select:none;
  transition:transform .12s,box-shadow .12s,border-color .12s;
}
.miq-risk-chip:hover{border-color:var(--green-mid);box-shadow:0 10px 18px rgba(26,71,49,.08);transform:translateY(-1px)}
.miq-risk-chip:active{transform:translateY(0)}
.miq-risk-chip input{margin-top:2px}
.miq-risk-acc input[type=checkbox]{accent-color:var(--green-mid)}
.miq-risk-text{display:flex;flex-direction:column;gap:2px}
.miq-risk-title{font-weight:900;color:var(--green-dark);font-size:.88rem;line-height:1.15}
.miq-risk-sub{font-size:.74rem;color:var(--muted2);line-height:1.25}
.miq-risk-row{
  display:flex;
  align-items:center;
  gap:10px;
  padding:10px 12px;
  border:1.5px solid var(--border);
  border-radius:12px;
  background:#fff;
}
.miq-inline-label{
  font-size:.73rem;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.6px;
  color:var(--muted);
  white-space:nowrap;
}
.miq-risk-row select{
  flex:1;
  min-width:180px;
  padding:11px 12px;
  border:1.5px solid var(--border);
  border-radius:var(--radius-sm);
  font-size:16px;
  color:var(--text);
  background:var(--green-pale);
  -webkit-appearance:none;
  appearance:none;
  transition:border-color .2s,box-shadow .2s;
}
.miq-risk-row select:focus{outline:none;border-color:var(--green-mid);box-shadow:0 0 0 3px rgba(45,106,79,.12)}
.miq-risk-acc .hint{font-size:.72rem;color:var(--muted2);margin-top:10px}

/* Small source / methodology notes under fields */
.field-source{
  margin-top:8px;
  padding:10px 12px;
  border:1.5px solid var(--border);
  border-radius:12px;
  background:#fff;
  color:var(--muted);
  font-size:.78rem;
  line-height:1.5;
}
.field-source strong{font-weight:900;color:var(--green-dark)}
.field-source code{
  font-family:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,'Liberation Mono','Courier New',monospace;
  font-size:.78rem;
}
.field-source.is-muted{background:rgba(255,255,255,.55)}
.field-source + .field-source{margin-top:10px}

/* DTI box styling (replaces inline styles in JS) */
.miq-dti{
  display:none;
  margin-top:14px;
  padding:14px;
  border:1.5px solid var(--border);
  border-radius:14px;
  background:var(--green-pale);
  color:var(--green-dark);
}
.miq-dti-title{font-weight:900;color:var(--green-dark);margin-bottom:8px}
.miq-dti-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:520px){.miq-dti-grid{grid-template-columns:1fr}}
.miq-dti-item{
  background:#fff;
  border:1.5px solid var(--border);
  border-radius:12px;
  padding:10px 12px;
}
.miq-dti-item .k{font-size:.74rem;font-weight:900;letter-spacing:.5px;text-transform:uppercase;color:var(--muted)}
.miq-dti-item .v{margin-top:4px;font-weight:900}
.miq-dti-item .s{margin-top:2px;color:var(--muted2);font-size:.78rem;line-height:1.35}
.miq-dti-badges{margin-top:10px;display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:10px}
.miq-badge{display:inline-flex;align-items:center;gap:8px;justify-content:space-between;width:100%}
.miq-pill{display:inline-block;padding:2px 8px;border-radius:999px;font-weight:900;font-size:.72rem}
.miq-pill.ok{background:#E8F5EC;color:#1A6B34}
.miq-pill.bad{background:#F8D7DA;color:#842029}
.miq-pill.neutral{background:#EEF3EF;color:#1A4731}
.miq-dti-note{margin-top:10px;opacity:.9;font-size:.82rem;line-height:1.5}
.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[type=text],.fld input[type=email],.fld input[type=tel],.fld input[type=url],.fld input[type=search],.fld input[type=password],.fld input[type=number],.fld textarea,.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;appearance:none;transition:border-color .2s,box-shadow .2s}
.fld input::placeholder{color:rgba(74,99,88,.55)}
/* Hide number input spinners */
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[type=text]:focus,.fld input[type=email]:focus,.fld input[type=tel]:focus,.fld input[type=url]:focus,.fld input[type=search]:focus,.fld input[type=password]:focus,.fld input[type=number]:focus,.fld textarea: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}
.fld input[type=checkbox],.fld input[type=radio]{-webkit-appearance:auto;appearance:auto;width:auto;min-height:auto;padding:0;background:transparent;border:none;box-shadow:none;accent-color:var(--green-mid)}

/* 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}
.total-box{background:linear-gradient(135deg,var(--green-dark),var(--green-mid));border-radius:var(--radius);padding:24px 20px;text-align:center;margin-bottom:18px}
.total-box .tlabel{font-size:.78rem;color:rgba(255,255,255,.7);font-weight:600;letter-spacing:.4px;text-transform:uppercase;margin-bottom:6px}
.total-box .tamount{font-size:3rem;font-weight:800;color:#fff;letter-spacing:-2px;line-height:1}
.total-box .tsub{font-size:.75rem;color:rgba(255,255,255,.6);margin-top:8px}

/* AD SLOTS — all empty before approval */
.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-hub{min-height:0;margin:0}
.ad-slot-anchor{min-height:50px;position:fixed;bottom:0;width:100%;pointer-events:none}

/* BREAKDOWN GRID */
.bk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}
@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-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)}

/* DONUT */
.chart-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-bottom:18px}
.legend{display:flex;flex-direction:column;gap:7px;flex:1}
.leg-item{display:flex;align-items:center;gap:8px;font-size:.8rem;color:var(--text)}
.leg-dot{width:11px;height:11px;border-radius:50%;flex-shrink:0}

/* AMORTIZATION */
.amort-btn{background:var(--green-pale);border:1.5px solid var(--green-mid);color:var(--green-dark);padding:14px 18px;border-radius:12px;font-size:.9rem;font-weight:800;cursor:pointer;transition:all .2s;display:block;width:100%;margin-bottom:16px;white-space:normal;box-sizing:border-box;box-shadow:0 4px 12px rgba(26,71,49,.05)}
.amort-btn:hover{background:var(--green-mid);color:#fff;transform:translateY(-2px);box-shadow:0 6px 16px rgba(26,71,49,.15)}
.amort-wrap{display:none;margin-top:14px;margin-bottom:24px;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 th:not(:last-child){border-right:1px solid rgba(255,255,255,0.2)}
.amort-tbl td:not(:last-child){border-right:1px solid var(--border)}
.amort-tbl tr:nth-child(even){background:var(--green-pale)}
@media(max-width:860px){
  .amort-wrap{overflow-x:hidden;padding-bottom:2px}
  .amort-tbl{width:100%;min-width:unset;table-layout:fixed}
  .amort-tbl th,.amort-tbl td{white-space:normal;padding:6px 4px;font-size:.75rem;word-wrap:break-word}
}
@media(max-width:360px){
  .amort-tbl th,.amort-tbl td{padding:6px 2px;font-size:.7rem;letter-spacing:-0.2px}
}

/* 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}

/* DETAILS TABLE LIST */
.details-tbl-wrap{border:1.5px solid var(--border);border-radius:12px;overflow:hidden;background:#fff;margin-bottom:16px}
.details-tbl-row{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;align-items:center;border-bottom:1px solid var(--border);padding:14px 16px}
.details-tbl-row:last-child{border-bottom:none}
.details-tbl-row:nth-child(even){background:var(--green-pale)}
.details-tbl-label{flex:1;min-width:120px;font-weight:800;color:var(--green-dark);font-size:.9rem}
.details-tbl-note{margin-top:4px;font-size:.75rem;color:var(--text);line-height:1.4;font-weight:normal}
.details-tbl-val{font-weight:900;color:var(--green-dark);text-align:right;font-size:.95rem}

/* PREMIUM STATS GRID */
.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px;margin-bottom:24px}
.stat-card{background:#fff;border:1px solid #E1EEE5;border-radius:16px;padding:16px;box-shadow:0 4px 12px rgba(26,71,49,.03);transition:transform .2s}
.stat-card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(26,71,49,.08);border-color:var(--green-mid)}
.stat-label{font-size:.75rem;font-weight:800;color:#4A6358;margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px}
.stat-value{font-size:1.4rem;font-weight:900;color:var(--green-dark)}
.stat-sub{font-size:.7rem;color:#88A094;margin-top:4px;font-weight:600}

/* PREMIUM CITY CARDS */
.city-list{display:flex;flex-direction:column;gap:16px;margin-bottom:24px}
.city-card{background:#fff;border:1px solid #E1EEE5;border-radius:16px;padding:20px;box-shadow:0 4px 12px rgba(26,71,49,.03);position:relative;overflow:hidden}
.city-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--green-mid)}
.city-header{display:flex;justify-content:space-between;align-items:center;border-bottom:1px dashed #E1EEE5;padding-bottom:12px;margin-bottom:12px}
.city-name{font-size:1.2rem;font-weight:900;color:var(--green-dark)}
.city-total-pill{background:#E8F5EC;color:#1A6B34;padding:6px 12px;border-radius:999px;font-weight:800;font-size:.9rem}
.city-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.city-stat-item{display:flex;flex-direction:column}
.city-stat-lbl{font-size:.75rem;color:#4A6358;font-weight:700}
.city-stat-val{font-size:.95rem;font-weight:900;color:var(--green-dark)}

/* PREMIUM PROGRAM LINKS */
.prog-list{display:grid;grid-template-columns:1fr;gap:12px;margin-bottom:24px}
.prog-card{display:flex;justify-content:space-between;align-items:center;background:#F8FAF9;border:1px solid #E1EEE5;border-radius:14px;padding:16px 20px;text-decoration:none;color:var(--green-dark);font-weight:800;transition:all .2s}
.prog-card:hover{background:#fff;border-color:var(--green-mid);box-shadow:0 4px 12px rgba(26,71,49,.06);transform:translateX(4px)}
.prog-icon{background:#fff;border-radius:50%;width:28px;height:28px;display:flex;align-items:center;justify-content:center;color:var(--green-mid);font-weight:900;box-shadow:0 2px 6px rgba(0,0,0,.05)}

/* 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)}

/* STATE CARDS */
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:12px;margin:16px 0}
.state-card{background:var(--card);border:1.5px solid var(--border);border-radius:var(--radius-sm);padding:16px;display:block;transition:all .2s;color:var(--text)}
.state-card:hover{border-color:var(--green-mid);box-shadow:var(--shadow-hover);text-decoration:none;transform:translateY(-2px)}
.sc-name{font-weight:800;font-size:.9rem;color:var(--green-dark);display:block;margin-bottom:4px}
.sc-sub{font-size:.72rem;color:var(--muted2)}
.sc-arrow{font-size:.72rem;color:var(--green-mid);font-weight:700;margin-top:8px;display:block}

/* 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 CARDS */
.s-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.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)}

/* 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)}

/* PILL TAGS */
.tag{display:inline-block;background:rgba(45,106,79,.12);color:var(--green-mid);font-size:.7rem;font-weight:700;padding:2px 9px;border-radius:10px;letter-spacing:.3px}
.tag-orange{background:rgba(232,100,10,.12);color:var(--orange)}

/* BLOG ARTICLE */
.article-meta{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-bottom:16px}
.article-body h2{font-size:1.15rem;font-weight:800;color:var(--green-dark);margin:24px 0 10px}
.article-body h3{font-size:1rem;font-weight:700;color:var(--green-dark);margin:18px 0 8px}
.article-body p{margin-bottom:14px;font-size:.93rem;line-height:1.75}
.article-body ul,.article-body ol{margin:0 0 14px 22px;font-size:.93rem;line-height:1.8}
.article-body li{margin-bottom:5px}
.article-body .callout{background:var(--green-pale);border-left:4px solid var(--green-mid);padding:14px 18px;border-radius:4px;margin:16px 0;font-size:.9rem}
.article-body .formula{background:var(--green-pale);border-left:4px solid var(--orange);padding:12px 16px;border-radius:4px;font-family:monospace;font-size:.85rem;margin:14px 0}
.cta-box{background:linear-gradient(135deg,var(--green-dark),var(--green-mid));border-radius:var(--radius);padding:20px;text-align:center;margin:20px 0;color:#fff}
.cta-box p{font-size:.9rem;color:rgba(255,255,255,.85);margin-bottom:12px}
.cta-btn{display:inline-block;background:#fff;color:var(--green-dark);padding:10px 22px;border-radius:var(--radius-sm);font-weight:800;font-size:.85rem}
.cta-btn:hover{text-decoration:none;opacity:.92}
.data-table{width:100%;border-collapse:collapse;font-size:.82rem;margin:14px 0;overflow-x:auto;display:block}
.data-table th{background:var(--green-dark);color:#fff;padding:9px 12px;text-align:left}
.data-table td{padding:8px 12px;border-bottom:1px solid var(--border)}
.data-table tr:nth-child(even){background:var(--green-pale)}

/* HAMBURGER NAV */
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;background:none;border:none;cursor:pointer;padding:8px;margin-right:-8px;flex-shrink:0}
.nav-toggle span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:transform .25s,opacity .25s}
.nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:640px){
  .nav-toggle{display:flex}
  #main-nav{display:none;position:absolute;top:58px;left:0;right:0;background:var(--green-dark);padding:12px 20px 20px;border-top:1px solid rgba(255,255,255,.1);box-shadow:0 8px 24px rgba(0,0,0,.3);z-index:199}
  #main-nav.open{display:block}
  .nav-links{flex-direction:column;gap:0}
  .nav-links a{display:block;padding:12px 4px;font-size:.95rem;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav-links li:last-child a{border-bottom:none}
}

/* Mobile readability spacing */
@media(max-width:520px){
  .card{padding:22px 16px;margin-bottom:16px}
  .card-title{margin-bottom:16px}
  .form-grid{gap:16px}
  .fld{gap:6px}
  .calc-btn{margin-top:14px}
  .results{scroll-margin-top:86px}
}
/* MOBILE BOTTOM NAV */
.mob-nav{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--green-dark);z-index:150;border-top:1px solid rgba(255,255,255,.12)}
.mob-nav ul{display:flex;list-style:none;justify-content:space-around;margin:0;padding:0}
.mob-nav li a{display:flex;flex-direction:column;align-items:center;gap:2px;padding:8px 6px;color:rgba(255,255,255,.6);font-size:.58rem;font-weight:600;text-transform:uppercase;letter-spacing:.4px;text-decoration:none;min-width:56px}
.mob-nav li a .ico{font-size:1.2rem;line-height:1}
.mob-nav li a:hover,.mob-nav li a.active{color:#6EE49A;text-decoration:none}
@media(max-width:640px){.mob-nav{display:block}body{padding-bottom:80px}}
/* AD SLOTS – CLS prevention (empty before AdSense approval) */
.ad-slot{display:block;background:transparent;overflow:hidden}
.ad-slot-results{min-height:0}
.ad-slot-in-content{min-height:0;margin:0}
.ad-slot-sidebar{min-height:0}
.ad-slot-hub{min-height:0;margin:0}
.ad-slot-anchor{min-height:50px;position:fixed;bottom:0;left:0;width:100%;pointer-events:none;z-index:99}


/* COPY RESULTS BUTTON */
.copy-btn{display:inline-flex;align-items:center;gap:6px;background:none;border:1.5px solid var(--green-mid);color:var(--green-mid);padding:8px 16px;border-radius:var(--radius-sm);font-size:.82rem;font-weight:700;cursor:pointer;transition:all .2s;margin-top:12px}
.copy-btn:hover{background:var(--green-mid);color:#fff}
.copy-btn.copied{border-color:#2D6A4F;background:#2D6A4F;color:#fff}

/* EMAIL CAPTURE */
.email-capture{background:linear-gradient(135deg,var(--green-dark) 0%,#1e5c3a 100%);border-radius:var(--radius);padding:24px 20px;margin-bottom:20px}
.email-capture h3{color:#fff;font-size:1rem;font-weight:800;margin-bottom:6px}
.email-capture p{color:rgba(255,255,255,.8);font-size:.85rem;margin-bottom:14px}
.ec-form{display:flex;gap:8px;flex-wrap:wrap}
.ec-input{flex:1;min-width:180px;padding:11px 14px;border:none;border-radius:var(--radius-sm);font-size:.9rem;background:rgba(255,255,255,.95)}
.ec-input:focus{outline:2px solid #6EE49A}
.ec-submit{padding:11px 20px;background:#6EE49A;color:var(--green-dark);border:none;border-radius:var(--radius-sm);font-weight:800;font-size:.88rem;cursor:pointer;white-space:nowrap}
.ec-submit:hover{background:#5dd489}
.ec-privacy{font-size:.7rem;color:rgba(255,255,255,.5);margin-top:8px}


/* === 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[type=text],.fld input[type=email],.fld input[type=tel],.fld input[type=url],.fld input[type=search],.fld input[type=password],.fld input[type=number],.fld textarea,.fld select,.fl input[type=text],.fl input[type=email],.fl input[type=tel],.fl input[type=url],.fl input[type=search],.fl input[type=password],.fl input[type=number],.fl textarea,.fl select,.inp,.cb,.calc-btn{min-height:44px}
.fld input[type=text],.fld input[type=email],.fld input[type=tel],.fld input[type=url],.fld input[type=search],.fld input[type=password],.fld input[type=number],.fld textarea,.fld select,.fl input[type=text],.fl input[type=email],.fl input[type=tel],.fl input[type=url],.fl input[type=search],.fl input[type=password],.fl input[type=number],.fl textarea,.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}
}
/* 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}}