/* =======================================================================
   RATIO — DSCR Refinance Underwriter
   Design system: editorial financial
   Paper (warm cream) · Ink (warm near-black) · Brick red signal
   Serif display (Gambarino) · Sans UI (Supreme) · Mono data (JetBrains Mono)
   ======================================================================= */

:root {
  /* -------- Paper stock -------- */
  --paper:     #f3efe7;   /* newsprint cream */
  --paper-2:   #fbf8f2;   /* lifted (cards) */
  --paper-3:   #e9e2d4;   /* recessed (strip, inset) */
  --paper-4:   #ddd4c1;   /* deepest recess */

  /* -------- Ink -------- */
  --ink:       #14100d;
  --ink-2:     #3d352e;
  --ink-3:     #5c5248;
  --muted:     #847a6e;
  --muted-2:   #a49a8e;

  /* -------- Rules -------- */
  --line:      #d9d1c2;
  --line-2:    #b8aea0;
  --hair:      rgba(20,16,13,0.12);

  /* -------- Signal (brand accent) -------- */
  --signal:    #a03318;
  --signal-2:  #7d2712;
  --signal-3:  #5a1c0c;
  --signal-bg: #f5e3dd;

  /* -------- Semantic states -------- */
  --pass:      #1f5e3a;
  --pass-2:    #164a2c;
  --pass-bg:   #dfeadf;
  --warn:      #9a5a1a;
  --warn-2:    #7a4612;
  --warn-bg:   #f2e3c7;
  --fail:      #8b2c1e;
  --fail-2:    #6c2015;
  --fail-bg:   #efd9d3;

  /* -------- Inverse (dark panels) -------- */
  --obsidian:  #14100d;
  --obsidian-2:#1f1a15;

  /* -------- Type -------- */
  --serif:  "Gambarino", "Gambarino Variable", ui-serif, Georgia, "Times New Roman", serif;
  --sans:   "Supreme", "Supreme Variable", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --mono:   "JetBrains Mono", "JetBrains Mono Variable", ui-monospace, "SFMono-Regular", Menlo, monospace;

  /* -------- Measure & rhythm -------- */
  --wrap:        1280px;
  --wrap-narrow: 820px;
  --pad:         32px;
  --pad-sm:      20px;
  --radius:      2px;    /* editorial = almost no radius */
  --radius-lg:   4px;

  /* -------- Shadow (whisper only) -------- */
  --shadow-1: 0 1px 0 rgba(20,16,13,0.03), 0 1px 2px rgba(20,16,13,0.05);
  --shadow-2: 0 1px 0 rgba(20,16,13,0.04), 0 8px 24px -8px rgba(20,16,13,0.10);

  /* -------- Motion -------- */
  --ease:      cubic-bezier(.2, .8, .2, 1);
  --ease-out:  cubic-bezier(.16, 1, .3, 1);
  --dur:       160ms;
  --dur-slow:  360ms;
}

/* =======================================================================
   Reset + base
   ======================================================================= */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 15px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "ss01", "cv11", "kern";
  text-rendering: optimizeLegibility;
}

/* subtle paper grain */
body::before {
  content: "";
  position: fixed; inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: 0.035;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160' viewBox='0 0 160 160'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0.07 0 0 0 0 0.05 0 0 0 0 0.04 0 0 0 0.9 0'/></filter><rect width='100%' height='100%' filter='url(%23n)'/></svg>");
}

img, svg { max-width: 100%; display: block; }

button { font: inherit; color: inherit; }

a {
  color: var(--ink);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
  text-decoration-color: var(--line-2);
  transition: text-decoration-color var(--dur) var(--ease), color var(--dur) var(--ease);
}
a:hover {
  text-decoration-color: var(--signal);
  color: var(--signal);
}

::selection {
  background: var(--ink);
  color: var(--paper);
}

/* =======================================================================
   Type scale — serif display, sans UI
   ======================================================================= */
h1, h2, h3, h4, h5 {
  font-family: var(--serif);
  font-weight: 700;
  color: var(--ink);
  margin: 0;
  letter-spacing: -0.015em;
  line-height: 1.08;
  text-wrap: balance;
}

.eyebrow, .micro, .kicker {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}

.mono { font-family: var(--mono); font-feature-settings: "tnum", "zero"; }

/* =======================================================================
   Layout primitives
   ======================================================================= */
.wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding-left: var(--pad);
  padding-right: var(--pad);
  position: relative;
}
.wrap-narrow {
  max-width: var(--wrap-narrow);
  margin: 0 auto;
  padding-left: var(--pad);
  padding-right: var(--pad);
}

.rule { height: 1px; background: var(--line-2); margin: 28px 0; border: 0; }
.rule--strong { background: var(--ink); height: 2px; }
.rule--double { height: 5px; background:
    linear-gradient(var(--ink), var(--ink)) 0 0/100% 1px no-repeat,
    linear-gradient(var(--ink), var(--ink)) 0 100%/100% 1px no-repeat;
}

/* =======================================================================
   Masthead — editorial nameplate
   ======================================================================= */
.masthead {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--ink);
}
.masthead-inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 14px var(--pad);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.wordmark {
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
}
.wordmark:hover { color: var(--ink); }
.wordmark:hover .wordmark-text { color: var(--signal); }
.wordmark .mark {
  width: 32px; height: 32px;
  background: var(--ink);
  color: var(--paper);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 20px;
  line-height: 1;
  position: relative;
}
.wordmark .mark::after {
  content: "";
  position: absolute;
  left: 6px; right: 6px;
  top: 50%;
  height: 1px;
  background: var(--signal);
  transform: translateY(-0.5px);
}
.wordmark-text {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  line-height: 1;
  transition: color var(--dur) var(--ease);
}
.wordmark-sub {
  display: none;
  font-family: var(--sans);
  font-weight: 500;
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  border-left: 1px solid var(--line-2);
  padding-left: 10px;
  margin-left: 4px;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  font-family: var(--sans);
  font-weight: 500;
  font-size: 13px;
}
.primary-nav a {
  text-decoration: none;
  color: var(--ink-2);
  padding: 8px 12px;
  letter-spacing: 0.02em;
  border: 1px solid transparent;
  position: relative;
}
.primary-nav a::after {
  content: "";
  position: absolute;
  left: 12px; right: 12px;
  bottom: 4px;
  height: 1px;
  background: transparent;
  transition: background var(--dur) var(--ease);
}
.primary-nav a:hover { color: var(--ink); }
.primary-nav a:hover::after { background: var(--signal); }
.primary-nav a.is-active { color: var(--ink); }
.primary-nav a.is-active::after { background: var(--ink); }

.nav-cta {
  margin-left: 8px;
  background: var(--ink);
  color: var(--paper) !important;
  padding: 9px 16px !important;
  border-radius: var(--radius);
  transition: background var(--dur) var(--ease);
}
.nav-cta:hover { background: var(--signal) !important; color: var(--paper) !important; }
.nav-cta::after { display: none; }

.mobile-nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--ink);
  padding: 7px 10px;
  cursor: pointer;
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Edition strip: newsprint dateline */
.edition-strip {
  border-top: 1px solid var(--line-2);
  background: var(--paper-3);
}
.edition-strip-inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 7px var(--pad);
  display: flex;
  align-items: center;
  gap: 14px;
  overflow: hidden;
  white-space: nowrap;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.edition-strip-inner span.dot { color: var(--signal); }
.edition-strip-inner .grow { flex: 1; }

/* =======================================================================
   Hero / masthead story
   ======================================================================= */
.hero {
  padding: 64px 0 48px;
  border-bottom: 1px solid var(--ink);
  position: relative;
  overflow: hidden;
}
.hero-inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 64px;
  align-items: end;
}
.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal);
  margin-bottom: 20px;
}
.hero-eyebrow::before {
  content: "";
  width: 40px; height: 1px;
  background: var(--signal);
}
.hero-headline {
  font-size: clamp(44px, 7vw, 96px);
  font-weight: 700;
  line-height: 0.96;
  letter-spacing: -0.035em;
  margin: 0 0 24px;
  color: var(--ink);
}
.hero-headline em {
  font-style: italic;
  color: var(--signal);
  font-weight: 500;
  font-family: var(--serif);
}
.hero-headline .ornament {
  display: inline-block;
  width: 0.8em; height: 0.12em;
  background: var(--ink);
  vertical-align: 0.25em;
  margin: 0 0.15em;
}
.hero-deck {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(17px, 1.6vw, 22px);
  line-height: 1.45;
  color: var(--ink-2);
  max-width: 720px;
  margin: 0 0 28px;
  letter-spacing: -0.005em;
}
.hero-meta {
  display: flex;
  gap: 28px;
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-3);
  padding-top: 20px;
  border-top: 1px solid var(--line-2);
  flex-wrap: wrap;
}
.hero-meta dt {
  display: block;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 2px;
}
.hero-meta dd {
  margin: 0;
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.hero-meta .meta-item { min-width: 80px; }

/* Hero sidebar card */
.hero-sidebar {
  background: var(--paper-2);
  border: 1px solid var(--ink);
  padding: 20px 22px;
  position: relative;
}
.hero-sidebar::before {
  content: "";
  position: absolute;
  left: -1px; right: -1px; top: -7px;
  height: 6px;
  background:
    repeating-linear-gradient(90deg, var(--ink) 0 4px, transparent 4px 8px);
}
.hero-sidebar h4 {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal);
  margin: 0 0 12px;
}
.hero-sidebar p {
  margin: 0 0 12px;
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
}
.hero-sidebar ul {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
  border-top: 1px solid var(--line);
}
.hero-sidebar li {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  padding: 7px 0;
  border-bottom: 1px solid var(--line);
  font-size: 13px;
  color: var(--ink-2);
}
.hero-sidebar li .num {
  font-family: var(--mono);
  font-weight: 500;
  color: var(--ink);
}

/* =======================================================================
   Section framing
   ======================================================================= */
section.section {
  padding: 64px 0;
  border-bottom: 1px solid var(--ink);
  position: relative;
  z-index: 1;
}
section.section:last-of-type { border-bottom: none; }

.section-head {
  max-width: var(--wrap);
  margin: 0 auto 32px;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: minmax(120px, 200px) 1fr auto;
  gap: 32px;
  align-items: end;
  border-bottom: 2px solid var(--ink);
  padding-bottom: 16px;
}
.section-head .folio {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--signal);
  white-space: nowrap;
}
.section-head h2 {
  font-size: clamp(28px, 4vw, 48px);
  line-height: 1;
  letter-spacing: -0.025em;
}
.section-head .section-note {
  font-family: var(--serif);
  font-style: italic;
  font-size: 13px;
  color: var(--muted);
  text-align: right;
  max-width: 320px;
  line-height: 1.4;
}

/* =======================================================================
   Calculator
   ======================================================================= */
.calc-grid {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 0;
  border: 1px solid var(--ink);
  background: var(--paper-2);
}
.calc-form {
  padding: 28px 32px;
  border-right: 1px solid var(--ink);
}
.calc-results {
  padding: 28px 32px;
  background: var(--paper);
}

.calc-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--ink);
}
.calc-head h3 {
  font-size: 22px;
  letter-spacing: -0.02em;
}
.calc-head .panel-no {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

/* -------- Segmented toggle -------- */
.seg-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 12px;
}
.seg-field > .seg-label {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.seg-field > .seg-label .seg-help {
  font-weight: 400;
  letter-spacing: 0;
  text-transform: none;
  font-size: 11px;
  color: var(--muted);
  font-style: italic;
  font-family: var(--serif);
}
.seg {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: 1fr;
  border: 1px solid var(--ink);
  background: var(--paper);
}
.seg button {
  appearance: none;
  background: transparent;
  border: 0;
  padding: 10px 8px;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-2);
  cursor: pointer;
  border-right: 1px solid var(--ink);
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
  text-align: center;
  white-space: nowrap;
}
.seg button:last-child { border-right: 0; }
.seg button:hover { background: var(--paper-3); }
.seg button[aria-pressed="true"] {
  background: var(--ink);
  color: var(--paper);
}
.seg button small {
  display: block;
  font-weight: 400;
  font-size: 10px;
  letter-spacing: 0.04em;
  opacity: 0.65;
  margin-top: 2px;
  text-transform: none;
}

/* -------- Field groups -------- */
.field-group {
  margin: 22px 0;
}
.field-group:first-child { margin-top: 0; }
.field-group:last-child { margin-bottom: 0; }

.group-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal);
}
.group-head .group-num {
  font-family: var(--mono);
  font-size: 10px;
  font-weight: 700;
  color: var(--ink);
  background: var(--signal-bg);
  padding: 2px 6px;
  letter-spacing: 0.08em;
}
.group-head::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line-2);
}

.fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.fields.cols-1 { grid-template-columns: 1fr; }
.fields.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.wide { grid-column: 1 / -1; }
.field label {
  font-family: var(--sans);
  font-size: 12px;
  color: var(--ink-2);
  font-weight: 500;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.field .sub {
  font-family: var(--serif);
  font-style: italic;
  font-size: 11px;
  font-weight: 400;
  color: var(--muted);
}
.input-wrap {
  display: flex;
  align-items: stretch;
  background: var(--paper);
  border: 1px solid var(--line-2);
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.input-wrap:hover { border-color: var(--ink-3); }
.input-wrap:focus-within {
  border-color: var(--ink);
  background: var(--paper-2);
  box-shadow: 0 0 0 2px var(--signal-bg), inset 0 0 0 0 transparent;
}
.input-wrap .prefix,
.input-wrap .suffix {
  padding: 0 10px;
  display: flex;
  align-items: center;
  color: var(--muted);
  font-family: var(--mono);
  font-size: 13px;
  background: var(--paper-3);
  border-right: 1px solid var(--line-2);
}
.input-wrap .suffix {
  border-right: 0;
  border-left: 1px solid var(--line-2);
}
.input-wrap input,
.input-wrap select {
  flex: 1;
  width: 100%;
  min-width: 0;
  border: 0;
  background: transparent;
  padding: 10px 12px;
  font-family: var(--mono);
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  outline: none;
}
.input-wrap select {
  font-family: var(--sans);
  font-size: 13px;
  appearance: none;
  padding-right: 30px;
  cursor: pointer;
  background: transparent;
}
.select-wrap { position: relative; }
.select-wrap::after {
  content: "";
  position: absolute;
  right: 14px; top: 50%;
  width: 8px; height: 8px;
  border-right: 1.5px solid var(--ink-3);
  border-bottom: 1.5px solid var(--ink-3);
  transform: translateY(-70%) rotate(45deg);
  pointer-events: none;
}
.field.readonly .input-wrap {
  background: var(--paper-3);
  border-style: dashed;
}
.field.readonly input {
  color: var(--ink-3);
  cursor: default;
}
.auto-pill {
  display: inline-block;
  padding: 1px 6px;
  background: var(--ink);
  color: var(--paper);
  font-family: var(--sans);
  font-size: 9px;
  font-weight: 600;
  font-style: normal;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  vertical-align: middle;
  margin-left: 6px;
}
.hint {
  margin: 12px 0 0;
  padding: 10px 12px;
  background: var(--paper-3);
  border-left: 2px solid var(--signal);
  font-family: var(--serif);
  font-style: italic;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--ink-2);
}
.hint strong { font-style: normal; color: var(--ink); font-weight: 700; }

/* Quick LTV buttons */
.ltv-chips {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px dashed var(--line);
  font-family: var(--sans);
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.ltv-chips button {
  appearance: none;
  background: var(--paper);
  border: 1px solid var(--line-2);
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  padding: 4px 10px;
  cursor: pointer;
  letter-spacing: 0;
  transition: all var(--dur) var(--ease);
}
.ltv-chips button:hover {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}

.form-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  margin-top: 22px;
  padding-top: 16px;
  border-top: 1px solid var(--line-2);
}
.btn {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 9px 14px;
  border: 1px solid var(--ink);
  background: var(--paper);
  color: var(--ink);
  cursor: pointer;
  transition: all var(--dur) var(--ease);
}
.btn:hover { background: var(--ink); color: var(--paper); }
.btn--ghost { border-color: var(--line-2); color: var(--ink-3); background: transparent; }
.btn--ghost:hover { border-color: var(--ink); background: var(--ink); color: var(--paper); }
.btn--signal { background: var(--signal); color: var(--paper); border-color: var(--signal); }
.btn--signal:hover { background: var(--signal-2); border-color: var(--signal-2); color: var(--paper); }

/* =======================================================================
   Results
   ======================================================================= */
.results-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  font-family: var(--mono);
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.results-meta .live-dot {
  display: inline-block;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--pass);
  margin-right: 6px;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.45; }
}

.kpi-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  margin: 18px 0 0;
  border: 1px solid var(--ink);
}
.kpi {
  background: var(--paper-2);
  padding: 16px 18px;
  position: relative;
  min-height: 108px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border-right: 1px solid var(--ink);
  border-bottom: 1px solid var(--ink);
  transition: background var(--dur-slow) var(--ease);
}
.kpi:nth-child(2n) { border-right: 0; }
.kpi:nth-last-child(-n+2) { border-bottom: 0; }
.kpi.is-pass { background: var(--pass-bg); }
.kpi.is-warn { background: var(--warn-bg); }
.kpi.is-fail { background: var(--fail-bg); }

.kpi-label {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.kpi.is-pass .kpi-label { color: var(--pass-2); }
.kpi.is-warn .kpi-label { color: var(--warn-2); }
.kpi.is-fail .kpi-label { color: var(--fail-2); }
.kpi-flag {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--muted-2);
}
.kpi.is-pass .kpi-flag { background: var(--pass); }
.kpi.is-warn .kpi-flag { background: var(--warn); }
.kpi.is-fail .kpi-flag { background: var(--fail); }

.kpi-value {
  font-family: var(--serif);
  font-size: clamp(30px, 3.2vw, 40px);
  font-weight: 700;
  line-height: 1;
  color: var(--ink);
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}
.kpi-value.mono {
  font-family: var(--mono);
  font-size: clamp(24px, 2.6vw, 30px);
  font-weight: 700;
  letter-spacing: -0.01em;
}
.kpi-sub {
  font-family: var(--sans);
  font-size: 11.5px;
  color: var(--ink-3);
  font-weight: 500;
}
.kpi.is-pass .kpi-sub { color: var(--pass-2); }
.kpi.is-warn .kpi-sub { color: var(--warn-2); }
.kpi.is-fail .kpi-sub { color: var(--fail-2); }

/* Breakdown — ledger table */
.ledger {
  margin-top: 22px;
}
.ledger h4, .cashout-box h4 {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 10px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.ledger-table {
  width: 100%;
  border-collapse: collapse;
}
.ledger-table td {
  padding: 7px 0;
  font-family: var(--mono);
  font-size: 13px;
  font-variant-numeric: tabular-nums;
  border-bottom: 1px dotted var(--line-2);
}
.ledger-table td:first-child {
  font-family: var(--sans);
  color: var(--ink-2);
}
.ledger-table td:last-child {
  text-align: right;
  font-weight: 500;
  color: var(--ink);
}
.ledger-table .pos { color: var(--pass); }
.ledger-table .neg { color: var(--ink-3); }
.ledger-table tr.subtotal td {
  font-weight: 700;
  padding-top: 10px;
  border-bottom: 1px solid var(--ink-2);
}
.ledger-table tr.subtotal td:first-child { color: var(--ink); }
.ledger-table tr.total td {
  font-size: 14px;
  font-weight: 700;
  padding-top: 12px;
  border-bottom: 0;
  border-top: 2px solid var(--ink);
  color: var(--ink);
}
.ledger-table tr.total td:first-child {
  font-family: var(--serif);
  font-size: 15px;
  letter-spacing: -0.01em;
}

.cashout-box {
  margin-top: 22px;
  background: var(--paper-3);
  padding: 16px 18px;
  border: 1px solid var(--line-2);
}
.cashout-box .co-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  font-family: var(--mono);
  font-size: 13px;
  font-variant-numeric: tabular-nums;
  border-bottom: 1px dotted var(--line-2);
}
.cashout-box .co-row:last-child { border-bottom: 0; }
.cashout-box .co-row > span:first-child {
  font-family: var(--sans);
  color: var(--ink-2);
}
.cashout-box .co-row.total {
  margin-top: 8px;
  padding-top: 12px;
  border-top: 2px solid var(--ink);
  border-bottom: 0;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 16px;
  color: var(--signal);
  letter-spacing: -0.01em;
}
.cashout-box .co-row.total > span:first-child {
  font-family: var(--serif);
  color: var(--ink);
  font-size: 15px;
}

/* =======================================================================
   Lender matrix
   ======================================================================= */
.lender-head {
  max-width: var(--wrap);
  margin: 0 auto 20px;
  padding: 0 var(--pad);
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 20px;
}
.lender-head .lead {
  font-family: var(--serif);
  font-style: italic;
  font-size: 15px;
  color: var(--ink-2);
  max-width: 540px;
  line-height: 1.5;
  margin: 0;
}
.lender-legend {
  display: flex;
  gap: 18px;
  font-family: var(--sans);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  align-items: center;
}
.lender-legend .dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 5px;
  vertical-align: -1px;
}
.lender-legend .dot.pass { background: var(--pass); }
.lender-legend .dot.warn { background: var(--warn); }
.lender-legend .dot.fail { background: var(--fail); }

.lender-table-wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  overflow-x: auto;
}
.lender-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 820px;
  border: 1px solid var(--ink);
  background: var(--paper-2);
}
.lender-table thead th {
  text-align: left;
  padding: 12px 14px;
  background: var(--ink);
  color: var(--paper);
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.lender-table thead th.num { text-align: right; }
.lender-table tbody td {
  padding: 14px;
  vertical-align: middle;
  border-bottom: 1px solid var(--line);
}
.lender-table tbody tr:last-child td { border-bottom: 0; }
.lender-table tbody tr.pass { background: var(--pass-bg); }
.lender-table tbody tr.warn { background: var(--warn-bg); }
.lender-table tbody tr.fail { background: var(--fail-bg); opacity: 0.88; }
.lender-table td.num {
  text-align: right;
  font-family: var(--mono);
  font-weight: 500;
  font-variant-numeric: tabular-nums;
}
.lender-name {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 15px;
  color: var(--ink);
  letter-spacing: -0.01em;
  line-height: 1.1;
}
.lender-program {
  display: block;
  font-family: var(--sans);
  font-weight: 400;
  font-size: 11.5px;
  color: var(--ink-3);
  margin-top: 3px;
  letter-spacing: 0;
  text-transform: none;
}
.lender-notes {
  font-size: 12px;
  color: var(--ink-2);
  line-height: 1.45;
  max-width: 320px;
}
.status-pill {
  display: inline-flex;
  flex-direction: column;
  padding: 5px 10px;
  border-radius: 0;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: normal;
  line-height: 1.25;
  border: 1px solid transparent;
  min-width: 92px;
}
.status-pill.pass { background: var(--pass); color: var(--paper); }
.status-pill.warn { background: var(--warn); color: var(--paper); }
.status-pill.fail { background: var(--fail); color: var(--paper); }
.status-pill .reasons {
  display: block;
  font-weight: 400;
  font-size: 10px;
  letter-spacing: 0.04em;
  text-transform: none;
  opacity: 0.92;
  margin-top: 3px;
  font-family: var(--mono);
}

.lender-empty {
  padding: 48px 24px;
  text-align: center;
  font-family: var(--serif);
  font-style: italic;
  font-size: 16px;
  color: var(--muted);
  background: var(--paper-2);
  border: 1px solid var(--line-2);
  max-width: var(--wrap);
  margin: 0 auto;
}

/* Superscript markers: * = strategy-specific override, † = unpublished/inferred */
.override-mark {
  color: var(--signal);
  font-weight: 700;
  font-size: 0.85em;
  margin-left: 2px;
  cursor: help;
}
.lender-table .num {
  position: relative;
}

.matrix-legend {
  max-width: var(--wrap);
  margin: 14px auto 0;
  padding: 0 var(--pad);
  font-family: var(--serif);
  font-style: italic;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.5;
}
.matrix-legend strong {
  font-style: normal;
  font-weight: 600;
  color: var(--ink-2);
}
.matrix-legend .verified-on {
  display: inline-block;
  margin-left: 8px;
  padding: 2px 8px;
  background: var(--paper-3);
  border: 1px solid var(--line);
  font-family: var(--mono);
  font-style: normal;
  font-size: 11px;
  letter-spacing: 0.04em;
  color: var(--ink-2);
}

.override-note,
.unpublished-note {
  margin-top: 6px;
  padding: 6px 10px;
  background: var(--paper-3);
  border-left: 2px solid var(--signal);
  font-family: var(--serif);
  font-style: italic;
  font-size: 11.5px;
  color: var(--ink-2);
  line-height: 1.5;
}
.override-note strong {
  font-style: normal;
  font-weight: 700;
  color: var(--ink);
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.04em;
}
.unpublished-note {
  border-left-color: var(--warn);
}

/* =======================================================================
   Tenets / key criteria
   ======================================================================= */
.tenets {
  background: var(--obsidian);
  color: var(--paper);
}
.tenets .section-head { border-color: var(--paper); }
.tenets .section-head h2 { color: var(--paper); }
.tenets .section-head .folio { color: var(--signal-bg); }
.tenets .section-head .section-note { color: #cfc5b5; }

.tenet-grid {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 0;
  border-left: 1px solid #2a2420;
  border-top: 1px solid #2a2420;
}
.tenet {
  padding: 22px 24px;
  border-right: 1px solid #2a2420;
  border-bottom: 1px solid #2a2420;
  background: var(--obsidian-2);
  position: relative;
}
.tenet .tenet-num {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  color: var(--signal);
}
.tenet h4 {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  color: var(--paper);
  margin: 6px 0 8px;
  line-height: 1.1;
}
.tenet h4 em {
  font-style: italic;
  font-weight: 500;
  color: var(--signal-bg);
}
.tenet p {
  font-size: 13.5px;
  line-height: 1.55;
  color: #cfc5b5;
  margin: 0;
}
.tenet strong { color: var(--paper); font-weight: 600; }

/* =======================================================================
   Long-form editorial content (guide / about)
   ======================================================================= */
.prose {
  max-width: 720px;
  margin: 0 auto;
  padding: 0 var(--pad);
  font-family: var(--serif);
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink-2);
}
.prose > * + * { margin-top: 1em; }
.prose h2 {
  font-family: var(--serif);
  font-size: clamp(28px, 3.5vw, 38px);
  margin-top: 2em;
  margin-bottom: 0.5em;
  letter-spacing: -0.02em;
  color: var(--ink);
  padding-bottom: 0.25em;
  border-bottom: 1px solid var(--ink);
}
.prose h3 {
  font-family: var(--serif);
  font-size: 22px;
  margin-top: 1.6em;
  margin-bottom: 0.4em;
  color: var(--ink);
}
.prose .lead {
  font-size: 22px;
  font-style: italic;
  color: var(--ink-2);
  line-height: 1.5;
  border-left: 2px solid var(--signal);
  padding-left: 20px;
  margin-bottom: 1.5em;
}
.prose .dropcap::first-letter {
  font-size: 4em;
  float: left;
  line-height: 0.85;
  padding: 6px 10px 0 0;
  font-weight: 700;
  color: var(--signal);
}
.prose ul, .prose ol {
  padding-left: 1.3em;
}
.prose li { margin-bottom: 0.4em; }
.prose blockquote {
  font-size: 20px;
  font-style: italic;
  color: var(--ink);
  border-left: 2px solid var(--ink);
  padding: 0.5em 0 0.5em 1em;
  margin-left: 0;
}
.prose code, .prose .fig {
  font-family: var(--mono);
  font-size: 0.88em;
  background: var(--paper-3);
  padding: 0 4px;
  border: 1px solid var(--line);
}
.prose a {
  color: var(--signal);
  text-decoration-color: var(--signal-bg);
}
.prose a:hover {
  text-decoration-color: var(--signal);
}
.prose .formula {
  font-family: var(--mono);
  font-size: 15px;
  background: var(--paper-3);
  border: 1px solid var(--line-2);
  padding: 16px 20px;
  margin: 1.5em 0;
  display: block;
  border-left: 3px solid var(--signal);
  line-height: 1.5;
  white-space: pre-wrap;
  color: var(--ink);
}
.prose .formula .op { color: var(--signal); font-weight: 700; }
.prose .formula .var { color: var(--ink); font-weight: 700; }

/* Table of contents / side nav */
.toc {
  font-family: var(--sans);
  font-size: 12px;
  border-left: 2px solid var(--ink);
  padding-left: 16px;
  margin: 0;
}
.toc-title {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal);
  margin-bottom: 10px;
}
.toc ol { list-style: none; padding: 0; margin: 0; counter-reset: toc; }
.toc li {
  counter-increment: toc;
  padding: 4px 0;
  border-bottom: 1px dotted var(--line);
}
.toc a {
  text-decoration: none;
  color: var(--ink-2);
  font-size: 13px;
  display: flex;
  gap: 8px;
}
.toc a::before {
  content: counter(toc, decimal-leading-zero);
  color: var(--muted);
  font-family: var(--mono);
  font-size: 11px;
  min-width: 20px;
}
.toc a:hover { color: var(--signal); }

.two-col {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 48px;
  align-items: flex-start;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
}
.two-col .toc { position: sticky; top: 100px; }
.two-col .prose { padding-left: 0; padding-right: 0; margin: 0; max-width: 720px; }

/* =======================================================================
   Lender directory cards (lenders.html)
   ======================================================================= */
.lender-filters {
  max-width: var(--wrap);
  margin: 0 auto 32px;
  padding: 0 var(--pad);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 18px;
  font-family: var(--sans);
  font-size: 12px;
  color: var(--ink-3);
  letter-spacing: 0.04em;
}
.lender-filters .filter-label {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal);
  font-weight: 600;
  margin-right: -4px;
}
.chip {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 500;
  padding: 5px 12px;
  border: 1px solid var(--line-2);
  background: var(--paper-2);
  cursor: pointer;
  letter-spacing: 0.02em;
  transition: all var(--dur) var(--ease);
}
.chip:hover { border-color: var(--ink); }
.chip[aria-pressed="true"] {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}

.lender-cards {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 0;
  border-top: 1px solid var(--ink);
  border-left: 1px solid var(--ink);
}
.lender-card {
  background: var(--paper-2);
  padding: 22px 24px;
  border-right: 1px solid var(--ink);
  border-bottom: 1px solid var(--ink);
  display: flex;
  flex-direction: column;
  gap: 10px;
  position: relative;
  transition: background var(--dur) var(--ease);
}
.lender-card:hover { background: var(--paper); }
.lender-card.muted { opacity: 0.45; }
.lender-card .card-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line-2);
}
.lender-card h4 {
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 0 0 3px;
}
.lender-card .program {
  font-family: var(--sans);
  font-size: 12px;
  color: var(--muted);
  letter-spacing: 0.04em;
}
.lender-card .rank {
  font-family: var(--mono);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--signal);
}
.lender-card .spec {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  padding: 4px 0;
}
.lender-card .spec dt {
  font-family: var(--sans);
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
}
.lender-card .spec dd {
  font-family: var(--mono);
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  margin: 2px 0 0;
  font-variant-numeric: tabular-nums;
}
.lender-card .tags {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
}
.lender-card .tag {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 2px 7px;
  background: var(--paper-3);
  color: var(--ink-2);
  border: 1px solid var(--line-2);
}
.lender-card .tag.is-on { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.lender-card .summary {
  font-family: var(--serif);
  font-style: italic;
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink-2);
  margin: 4px 0;
}
.lender-card .card-foot {
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px dashed var(--line-2);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--sans);
  font-size: 11px;
}
.lender-card .card-foot a {
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--signal);
  text-decoration: none;
}
.lender-card .card-foot a:hover { color: var(--signal-2); text-decoration: underline; text-decoration-color: var(--signal); }

/* =======================================================================
   Callout / pull quote
   ======================================================================= */
.callout {
  max-width: var(--wrap-narrow);
  margin: 48px auto;
  padding: 0 var(--pad);
}
.callout blockquote {
  font-family: var(--serif);
  font-size: clamp(24px, 3.2vw, 40px);
  font-weight: 500;
  font-style: italic;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0;
  border-left: 3px solid var(--signal);
  padding: 0 0 0 32px;
}
.callout cite {
  display: block;
  margin-top: 18px;
  font-family: var(--sans);
  font-style: normal;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}
.callout cite::before { content: "— "; color: var(--signal); }

/* =======================================================================
   Footer / colophon
   ======================================================================= */
.colophon {
  background: var(--obsidian);
  color: var(--paper);
  border-top: 4px solid var(--signal);
  padding: 56px 0 32px;
}
.colophon a {
  color: var(--paper);
  text-decoration-color: #4a4038;
}
.colophon a:hover { color: var(--signal-bg); text-decoration-color: var(--signal); }
.colophon-inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 32px;
}
.colo-brand h5 {
  font-family: var(--serif);
  font-size: 32px;
  margin: 0 0 6px;
  color: var(--paper);
  letter-spacing: -0.02em;
}
.colo-brand p {
  font-family: var(--serif);
  font-style: italic;
  color: #bfb4a3;
  font-size: 14px;
  line-height: 1.55;
  margin: 0;
  max-width: 320px;
}
.colophon h6 {
  font-family: var(--sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal-bg);
  margin: 0 0 12px;
}
.colophon ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 7px;
  font-family: var(--sans);
  font-size: 13px;
}
.colo-foot {
  max-width: var(--wrap);
  margin: 48px auto 0;
  padding: 22px var(--pad) 0;
  border-top: 1px solid #2a2420;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
  font-family: var(--mono);
  font-size: 11px;
  color: #8e8479;
  letter-spacing: 0.04em;
}
.colo-foot .grow { flex: 1; }

/* =======================================================================
   Responsive
   ======================================================================= */
@media (min-width: 900px) {
  .wordmark-sub { display: inline-block; }
}

@media (max-width: 1020px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-sidebar { max-width: 420px; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-form { border-right: 0; border-bottom: 1px solid var(--ink); }
  .colophon-inner { grid-template-columns: 1fr 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .two-col .toc { position: static; border-left: 0; padding-left: 0; border-top: 2px solid var(--ink); padding-top: 16px; }
}

@media (max-width: 720px) {
  :root { --pad: 20px; }
  .primary-nav { display: none; }
  .primary-nav.is-open {
    display: flex;
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    background: var(--paper);
    border-bottom: 1px solid var(--ink);
    padding: 6px var(--pad) 16px;
    gap: 0;
  }
  .primary-nav.is-open a {
    padding: 12px 0;
    border-bottom: 1px solid var(--line);
    font-size: 15px;
  }
  .primary-nav.is-open .nav-cta {
    margin-top: 10px;
    margin-left: 0;
    text-align: center;
    padding: 12px 0 !important;
  }
  .mobile-nav-toggle { display: inline-flex; }
  .hero { padding: 40px 0 32px; }
  .hero-meta { gap: 16px; }
  .hero-meta .meta-item { min-width: 44%; }
  .fields, .fields.cols-3 { grid-template-columns: 1fr; }
  .calc-form, .calc-results { padding: 22px 20px; }
  .kpi-grid { grid-template-columns: 1fr; }
  .kpi { min-height: 92px; border-right: 0; }
  .kpi:not(:last-child) { border-bottom: 1px solid var(--ink); }
  .section-head {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .section-head .section-note { text-align: left; max-width: none; }
  .colophon-inner { grid-template-columns: 1fr; }
  .seg { grid-auto-flow: row; grid-auto-columns: 1fr; }
  .seg button { border-right: 0; border-bottom: 1px solid var(--ink); }
  .seg button:last-child { border-bottom: 0; }
  .callout blockquote { padding-left: 18px; }
  section.section { padding: 44px 0; }
  .edition-strip-inner { font-size: 10px; gap: 10px; }
}

/* =======================================================================
   Entrance — editorial reveal
   ======================================================================= */
.reveal {
  opacity: 0;
  transform: translateY(14px);
  animation: reveal var(--dur-slow) var(--ease-out) forwards;
}
.reveal:nth-child(2) { animation-delay: 60ms; }
.reveal:nth-child(3) { animation-delay: 120ms; }
.reveal:nth-child(4) { animation-delay: 180ms; }
.reveal:nth-child(5) { animation-delay: 240ms; }
@keyframes reveal {
  to { opacity: 1; transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  .reveal { animation: none; opacity: 1; transform: none; }
  body::before { display: none; }
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* =======================================================================
   Print — make a shareable dossier
   ======================================================================= */
@media print {
  html, body { background: #fff; color: #000; }
  body::before { display: none; }
  .masthead, .colophon, .edition-strip, .primary-nav,
  .mobile-nav-toggle, .nav-cta, .form-actions,
  .lender-filters, .ltv-chips, .btn { display: none !important; }
  .hero { padding: 12px 0; border-bottom: 2px solid #000; }
  .hero-headline { font-size: 36px; }
  section.section { padding: 18px 0; border-bottom: 1px solid #000; break-inside: avoid; }
  .calc-grid { border: 1px solid #000; }
  .calc-form { border-right: 1px solid #000; }
  .kpi-grid, .lender-table, .tenet-grid { border-color: #000; }
  .kpi { background: #fff; border-color: #000; }
  .lender-table thead th { background: #000; color: #fff; }
  a { color: #000; text-decoration: underline; }
  .reveal { animation: none; opacity: 1; transform: none; }
}