/* ============================================================
   Refinance Academy - Design System
   Trust-first / navy banking. Light+dark via CSS variables.
   Radius system: cards 12px, inputs+buttons 8px (locked).
   Accent: one navy family, locked sitewide.
   ============================================================ */

/* ---------- Fonts (self-hosted Public Sans) ---------- */
@font-face { font-family: "Public Sans"; src: url("../fonts/public-sans-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Public Sans"; src: url("../fonts/public-sans-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-style: normal; font-display: swap; }
@font-face { font-family: "Public Sans"; src: url("../fonts/public-sans-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: "Public Sans"; src: url("../fonts/public-sans-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Public Sans"; src: url("../fonts/public-sans-latin-800-normal.woff2") format("woff2"); font-weight: 800; font-style: normal; font-display: swap; }

/* ---------- Tokens ---------- */
:root {
  --bg: #f8f8f5;
  --surface: #ffffff;
  --surface-2: #eef1ec;
  --ink: #1d2521;
  --ink-2: #55615a;
  --ink-3: #79847d;
  --line: #e0e4de;
  --navy: #1e5b45;
  --navy-deep: #143d2e;
  --navy-hover: #256e54;
  --navy-tint: #e7f0ea;
  --on-navy: #ffffff;
  --good: #1e6f4c;
  --bad: #a33b3b;
  --shadow-sm: 0 1px 2px rgb(20 61 46 / 0.06);
  --shadow-md: 0 2px 6px rgb(20 61 46 / 0.05), 0 12px 32px rgb(20 61 46 / 0.09);
  --r-card: 12px;
  --r-ctrl: 8px;
  --header-h: 68px;
}
/* Site is locked to the light theme by design. */

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 1.0625rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
h1, h2, h3, h4 { line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 0.6em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 600; }
p { margin: 0 0 1em; }
.lede { font-size: 1.15rem; color: var(--ink-2); max-width: 62ch; }
a { color: var(--navy); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; transition: color 0.15s ease, text-decoration-color 0.15s ease; }
a:hover { color: var(--navy-hover); }
:focus-visible { outline: 3px solid var(--navy); outline-offset: 2px; border-radius: 4px; }
.muted { color: var(--ink-2); }
.small { font-size: 0.9rem; }
ul.checks { list-style: none; padding: 0; margin: 0 0 1.25rem; }
ul.checks li { padding: 0.45rem 0 0.45rem 1.9rem; position: relative; }
ul.checks li::before {
  content: ""; position: absolute; left: 0; top: 0.72rem;
  width: 1.05rem; height: 1.05rem; border-radius: 50%;
  background: var(--navy-tint);
  -webkit-mask: none;
}
ul.checks li::after {
  content: ""; position: absolute; left: 0.28rem; top: 0.99rem;
  width: 0.5rem; height: 0.3rem;
  border-left: 2px solid var(--navy); border-bottom: 2px solid var(--navy);
  transform: rotate(-45deg);
}

/* ---------- Layout ---------- */
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 1.25rem; }
.section { padding: 4.5rem 0; }
.section.tight { padding: 3rem 0; }
.section.tinted { background: var(--surface-2); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 860px) {
  .grid-2, .grid-3 { grid-template-columns: 1fr; gap: 2rem; }
  .section { padding: 3rem 0; }
}

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 40;
  height: var(--header-h);
  background: color-mix(in srgb, var(--surface) 88%, transparent);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { height: 100%; display: flex; align-items: center; gap: 2rem; }
.brand { display: flex; align-items: center; gap: 0.65rem; text-decoration: none; color: var(--ink); font-weight: 800; font-size: 1.08rem; letter-spacing: -0.01em; white-space: nowrap; }
.brand .mark {
  width: 34px; height: 34px; border-radius: 8px;
  background: var(--navy); color: var(--on-navy);
  display: grid; place-items: center;
  font-size: 0.82rem; font-weight: 800; letter-spacing: 0.02em;
}
.nav { display: flex; align-items: center; gap: 1.4rem; margin-left: auto; }
.nav a { text-decoration: none; color: var(--ink-2); font-weight: 500; font-size: 0.98rem; }
.nav a:hover { color: var(--ink); }
.nav a[aria-current="page"] { color: var(--ink); font-weight: 600; }
.nav .dd { position: relative; }
.nav .dd > button {
  background: none; border: 0; cursor: pointer; font: inherit;
  color: var(--ink-2); font-weight: 500; font-size: 0.98rem;
  display: flex; align-items: center; gap: 0.3rem; padding: 0;
}
.nav .dd > button::after { content: ""; width: 0.42rem; height: 0.42rem; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg) translateY(-2px); }
.nav .dd-menu {
  position: absolute; top: calc(100% + 0.9rem); left: -0.75rem;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-card);
  box-shadow: var(--shadow-md);
  min-width: 240px; padding: 0.5rem; display: none;
}
.nav .dd.open .dd-menu { display: block; }
.nav .dd-menu a { display: block; padding: 0.6rem 0.8rem; border-radius: var(--r-ctrl); color: var(--ink); font-weight: 500; }
.nav .dd-menu a:hover { background: var(--surface-2); }
.nav .dd-menu a span { display: block; font-size: 0.82rem; color: var(--ink-3); font-weight: 400; }
.menu-btn { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: var(--r-ctrl); padding: 0.5rem 0.7rem; cursor: pointer; color: var(--ink); font: inherit; font-weight: 600; }
@media (max-width: 960px) {
  .nav {
    display: none; position: fixed; inset: var(--header-h) 0 auto 0;
    background: var(--surface); border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; gap: 0;
    padding: 0.75rem 1.25rem 1.25rem;
    box-shadow: var(--shadow-md);
  }
  .nav.open { display: flex; }
  .nav > a, .nav .dd > button { padding: 0.8rem 0.25rem; width: 100%; text-align: left; }
  .nav .dd-menu { position: static; display: block; border: 0; box-shadow: none; padding: 0 0 0 1rem; background: transparent; }
  .nav .dd > button::after { display: none; }
  .nav .btn { margin-top: 0.75rem; text-align: center; }
  .menu-btn { display: block; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; text-decoration: none; cursor: pointer;
  font: inherit; font-weight: 600; font-size: 1rem;
  padding: 0.72rem 1.4rem; border-radius: var(--r-ctrl);
  border: 1px solid transparent;
  transition: transform 0.12s ease, background-color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px) scale(0.99); }
.btn-primary { background: var(--navy); color: var(--on-navy); }
.btn-primary:hover { background: var(--navy-hover); color: var(--on-navy); }
.nav a.btn-primary { color: var(--on-navy); }
.nav a.btn-primary:hover { color: var(--on-navy); }
.btn-ghost { background: transparent; color: var(--navy); border-color: color-mix(in srgb, var(--navy) 40%, transparent); }
.btn-ghost:hover { border-color: var(--navy); background: var(--navy-tint); color: var(--navy); }
.btn-lg { padding: 0.9rem 1.8rem; font-size: 1.06rem; }

/* ---------- Hero ---------- */
.hero { padding: 3.5rem 0 4rem; }
.hero .grid-2 { align-items: start; gap: 4rem; }
.hero h1 { margin-bottom: 0.5em; }
.hero .cta-row { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-top: 1.6rem; }
@media (prefers-reduced-motion: no-preference) {
  .hero h1, .hero .lede, .hero .cta-row, .hero .hero-panel {
    animation: rise 0.7s cubic-bezier(0.16, 1, 0.3, 1) both;
  }
  .hero .lede { animation-delay: 0.08s; }
  .hero .cta-row { animation-delay: 0.16s; }
  .hero .hero-panel { animation-delay: 0.22s; }
  @keyframes rise {
    from { opacity: 0; transform: translateY(14px); }
    to { opacity: 1; transform: none; }
  }
}
.hero-panel {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  border-radius: 16px; padding: 1.5rem;
  box-shadow: var(--shadow-md);
}
.hero-panel .calc-card { margin: 0; }

/* ---------- Cards / panels ---------- */
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-card); padding: 1.6rem;
  box-shadow: var(--shadow-sm);
}
.panel-tinted { background: var(--navy-tint); border-color: transparent; }

/* ---------- Program grid (asymmetric bento) ---------- */
.programs { display: grid; grid-template-columns: 3fr 2fr; grid-auto-rows: auto; gap: 1.25rem; }
.program {
  border-radius: var(--r-card); padding: 1.8rem;
  text-decoration: none; color: var(--ink);
  border: 1px solid var(--line); background: var(--surface);
  display: flex; flex-direction: column; gap: 0.4rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
  position: relative;
}
.program:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: color-mix(in srgb, var(--navy) 35%, var(--line)); color: var(--ink); }
.program h3 { margin: 0; }
.program p { margin: 0; color: var(--ink-2); font-size: 0.98rem; }
.program .go { margin-top: auto; padding-top: 0.9rem; font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.program.feature {
  grid-row: span 2;
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff; border-color: transparent;
}
.program.feature p { color: #c8dccf; }
.program.feature .go { color: #fff; }
.program.tint { background: var(--navy-tint); border-color: transparent; }
@media (max-width: 860px) { .programs { grid-template-columns: 1fr; } .program.feature { grid-row: auto; } }

/* ---------- Steps (vertical timeline) ---------- */
.steps { list-style: none; margin: 0; padding: 0; max-width: 720px; }
.steps li { position: relative; padding: 0 0 2.2rem 3.4rem; }
.steps li:last-child { padding-bottom: 0; }
.steps li::before {
  content: ""; position: absolute; left: 1.05rem; top: 2.4rem; bottom: 0.2rem;
  width: 2px; background: var(--line);
}
.steps li:last-child::before { display: none; }
.steps .n {
  position: absolute; left: 0; top: 0;
  width: 2.2rem; height: 2.2rem; border-radius: 50%;
  background: var(--navy-tint); color: var(--navy);
  display: grid; place-items: center; font-weight: 700;
}
.steps h3 { margin-bottom: 0.25em; }
.steps p { color: var(--ink-2); margin: 0; max-width: 58ch; }

/* ---------- Calculator ---------- */
.calc-card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--r-card); padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}
.calc-card h3 { margin-bottom: 1rem; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem 1rem; }
.calc-grid .full { grid-column: 1 / -1; }
@media (max-width: 560px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-result {
  margin-top: 1.2rem; padding: 1.1rem 1.3rem;
  background: var(--navy-tint); border-radius: var(--r-ctrl);
}
.calc-result .big { font-size: 1.7rem; font-weight: 800; letter-spacing: -0.02em; }
.calc-result .pos { color: var(--good); }
.calc-result .neg { color: var(--bad); }
.calc-note { font-size: 0.82rem; color: var(--ink-3); margin-top: 0.8rem; }

/* ---------- Forms ---------- */
.field { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1.1rem; }
.field label { font-weight: 600; font-size: 0.95rem; }
.field .help { font-size: 0.85rem; color: var(--ink-2); margin: 0; }
.field .err { font-size: 0.88rem; color: var(--bad); margin: 0; display: none; }
.field.invalid .err { display: block; }
.field.invalid input, .field.invalid select { border-color: var(--bad); }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  font: inherit; color: var(--ink);
  background: var(--surface);
  border: 1px solid color-mix(in srgb, var(--ink-3) 55%, var(--line));
  border-radius: var(--r-ctrl);
  padding: 0.68rem 0.85rem;
  width: 100%;
}
input::placeholder { color: var(--ink-3); }
input:focus, select:focus, textarea:focus { outline: 3px solid color-mix(in srgb, var(--navy) 35%, transparent); outline-offset: 0; border-color: var(--navy); }

/* Radio card groups */
.opt-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
@media (max-width: 560px) { .opt-grid { grid-template-columns: 1fr; } }
.opt {
  position: relative; display: block;
  border: 1px solid var(--line); border-radius: var(--r-ctrl);
  padding: 0.9rem 1rem; cursor: pointer; background: var(--surface);
  font-weight: 600;
}
.opt small { display: block; font-weight: 400; color: var(--ink-2); font-size: 0.85rem; }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt:has(input:checked) { border-color: var(--navy); background: var(--navy-tint); box-shadow: inset 0 0 0 1px var(--navy); }
.opt:has(input:focus-visible) { outline: 3px solid color-mix(in srgb, var(--navy) 35%, transparent); }

/* Multi-step form */
.stepper { display: flex; gap: 0.4rem; margin-bottom: 1.8rem; }
.stepper span { height: 5px; flex: 1; border-radius: 3px; background: var(--line); }
.stepper span.on { background: var(--navy); }
.form-step { display: none; }
.form-step.active { display: block; }
.form-nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.8rem; }
.consent-box {
  background: var(--surface-2); border: 1px solid var(--line);
  border-radius: var(--r-ctrl); padding: 1rem 1.1rem;
  display: flex; gap: 0.8rem; align-items: flex-start;
  font-size: 0.86rem; line-height: 1.55; color: var(--ink-2);
}
.consent-box input[type="checkbox"] { width: 1.15rem; height: 1.15rem; margin-top: 0.15rem; flex: none; accent-color: var(--navy); }
.form-success { text-align: center; padding: 3rem 1rem; display: none; }
.form-success.show { display: block; }
.form-success .tick {
  width: 3.4rem; height: 3.4rem; margin: 0 auto 1.2rem; border-radius: 50%;
  background: var(--navy-tint); position: relative;
}
.form-success .tick::after {
  content: ""; position: absolute; left: 1rem; top: 1.05rem;
  width: 1.3rem; height: 0.7rem;
  border-left: 3px solid var(--navy); border-bottom: 3px solid var(--navy);
  transform: rotate(-45deg);
}

/* ---------- Accordion ---------- */
details.qa { border-bottom: 1px solid var(--line); }
details.qa summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 1rem;
  padding: 1.15rem 0.2rem; font-weight: 600; font-size: 1.05rem;
}
details.qa summary::-webkit-details-marker { display: none; }
details.qa summary::after { content: "+"; font-weight: 400; font-size: 1.4rem; color: var(--navy); line-height: 1; flex: none; }
details.qa[open] summary::after { content: "\2013"; }
details.qa .a { padding: 0 0.2rem 1.3rem; color: var(--ink-2); max-width: 68ch; }
details.qa .a p:last-child { margin-bottom: 0; }

/* ---------- Article rows ---------- */
.article-row {
  display: grid; grid-template-columns: 1fr auto; gap: 1.5rem; align-items: baseline;
  padding: 1.4rem 0; border-bottom: 1px solid var(--line);
  text-decoration: none; color: var(--ink);
}
.article-row:hover h3 { color: var(--navy); }
.article-row h3 { margin: 0 0 0.25rem; transition: color 0.15s ease; }
.article-row p { margin: 0; color: var(--ink-2); font-size: 0.98rem; max-width: 60ch; }
.article-row .meta { color: var(--ink-3); font-size: 0.88rem; white-space: nowrap; }
@media (max-width: 640px) { .article-row { grid-template-columns: 1fr; gap: 0.4rem; } }

/* ---------- Article page ---------- */
.article-body { max-width: 720px; }
.article-body h2 { margin-top: 2.2em; font-size: 1.5rem; }
.article-body h3 { margin-top: 1.8em; }
.byline { display: flex; align-items: center; gap: 0.85rem; margin: 1.4rem 0 2.2rem; }
.avatar {
  width: 2.8rem; height: 2.8rem; border-radius: 50%;
  background: var(--navy); color: var(--on-navy);
  display: grid; place-items: center; font-weight: 700; font-size: 0.95rem; flex: none;
}
.byline .who { font-weight: 600; font-size: 0.97rem; }
.byline .who span { display: block; font-weight: 400; color: var(--ink-3); font-size: 0.86rem; }
.callout {
  border-left: 3px solid var(--navy);
  background: var(--navy-tint); border-radius: 0 var(--r-ctrl) var(--r-ctrl) 0;
  padding: 1rem 1.3rem; margin: 1.6rem 0;
}
.callout p:last-child { margin: 0; }

/* ---------- Definition table (grouped) ---------- */
.spec-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
@media (max-width: 700px) { .spec-cards { grid-template-columns: 1fr; } }
.spec-cards .card h4 { color: var(--ink-3); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.5rem; }
.spec-cards .card .v { font-weight: 700; font-size: 1.1rem; margin-bottom: 0.3rem; }
.spec-cards .card p { margin: 0; color: var(--ink-2); font-size: 0.93rem; }

/* ---------- Team ---------- */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; max-width: 880px; }
@media (max-width: 700px) { .team { grid-template-columns: 1fr; } }
.person { display: flex; gap: 1.1rem; align-items: flex-start; }
.person .avatar { width: 3.4rem; height: 3.4rem; font-size: 1.05rem; }
.person h3 { margin-bottom: 0.15rem; }
.person .nmls { color: var(--navy); font-weight: 600; font-size: 0.9rem; }
.person p { color: var(--ink-2); font-size: 0.95rem; margin: 0.5rem 0 0; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(150deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff; border-radius: 16px;
  padding: 3rem 2.5rem;
  display: grid; grid-template-columns: 1.5fr 1fr; gap: 2rem; align-items: center;
}
.cta-band h2 { color: #fff; margin-bottom: 0.3em; }
.cta-band p { color: #c8dccf; margin: 0; }
.cta-band .btn-primary { background: #fff; color: var(--navy-deep); justify-self: end; }
.cta-band .btn-primary:hover { background: #e8eef7; color: var(--navy-deep); }
@media (max-width: 780px) { .cta-band { grid-template-columns: 1fr; padding: 2.2rem 1.5rem; } .cta-band .btn-primary { justify-self: start; } }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line); margin-top: 4rem; background: var(--surface); }
.footer-cols {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem;
  padding: 3rem 0 2rem;
}
@media (max-width: 860px) { .footer-cols { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .footer-cols { grid-template-columns: 1fr; } }
.site-footer h4 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.07em; color: var(--ink-3); margin-bottom: 0.9rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 0.55rem; }
.site-footer a { color: var(--ink-2); text-decoration: none; font-size: 0.95rem; }
.site-footer a:hover { color: var(--navy); text-decoration: underline; }
.footer-legal {
  border-top: 1px solid var(--line);
  padding: 1.6rem 0 2.2rem;
  font-size: 0.82rem; line-height: 1.6; color: var(--ink-3);
}
.footer-legal p { max-width: 100ch; }

/* ---------- Reveal on scroll ---------- */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.55s cubic-bezier(0.16,1,0.3,1), transform 0.55s cubic-bezier(0.16,1,0.3,1); }
  .reveal.in { opacity: 1; transform: none; }
}

/* ---------- Page hero (interior pages) ---------- */
.page-hero { padding: 3.2rem 0 2.6rem; border-bottom: 1px solid var(--line); background: var(--surface); }
.page-hero h1 { max-width: 22ch; }
.page-hero .lede { margin-bottom: 0; }
.page-hero .cta-row { margin-top: 1.5rem; display: flex; gap: 0.9rem; flex-wrap: wrap; }

/* ---------- Utility ---------- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.center { text-align: center; }
.maxw { max-width: 760px; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--surface); color: var(--ink); padding: 0.7rem 1rem; z-index: 100; }
.skip-link:focus { left: 0.5rem; top: 0.5rem; }