:root {
  --navy-950: #06172b;
  --navy-900: #081b33;
  --navy-800: #0c294b;
  --cobalt: #155eef;
  --cobalt-dark: #0d46be;
  --blue-50: #eef5ff;
  --blue-100: #dceaff;
  --line: #d8e5f5;
  --ink: #102033;
  --muted: #5d6b7c;
  --white: #ffffff;
  --paper: #f7f9fc;
  --teal: #18d6ac;
  --teal-dark: #0b8267;
  --amber: #f3ad38;
  --red: #d94b5b;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Inter", "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}

button,
input,
select {
  font: inherit;
}

button,
a,
select,
input,
summary {
  -webkit-tap-highlight-color: transparent;
}

button {
  cursor: pointer;
}

a {
  color: inherit;
}

.page-shell {
  width: min(1480px, calc(100% - 72px));
  margin-inline: auto;
  position: relative;
  z-index: 2;
}

.page-shell.narrow {
  width: min(1220px, calc(100% - 72px));
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: 100vh;
  padding-bottom: 68px;
  color: var(--white);
  background:
    radial-gradient(circle at 78% 8%, rgba(21, 94, 239, 0.24), transparent 29%),
    linear-gradient(145deg, #06172b 0%, #081f3c 60%, #06172b 100%);
}

.blueprint {
  position: absolute;
  inset: 72px 0 auto 50%;
  height: 390px;
  pointer-events: none;
  opacity: 0.3;
  background-image:
    linear-gradient(rgba(70, 150, 255, 0.13) 1px, transparent 1px),
    linear-gradient(90deg, rgba(70, 150, 255, 0.13) 1px, transparent 1px),
    linear-gradient(90deg, transparent 9%, rgba(87, 167, 255, 0.35) 9.2%, transparent 9.4%),
    linear-gradient(0deg, transparent 27%, rgba(87, 167, 255, 0.3) 27.2%, transparent 27.4%);
  background-size: 24px 24px, 24px 24px, 310px 100%, 100% 210px;
  mask-image: linear-gradient(to left, #000 30%, transparent 100%);
}

.site-header {
  height: 74px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  border-bottom: 1px solid rgba(216, 229, 245, 0.18);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  width: fit-content;
  text-decoration: none;
  font-weight: 820;
  letter-spacing: -0.035em;
  font-size: 21px;
}

.brand-mark {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 9px;
  background: var(--cobalt);
  font-size: 12px;
  letter-spacing: -0.04em;
}

.site-header nav {
  height: 100%;
  display: flex;
  align-items: stretch;
  gap: 34px;
}

.site-header nav a {
  display: flex;
  align-items: center;
  position: relative;
  text-decoration: none;
  color: #c6d3e4;
  font-size: 15px;
  font-weight: 560;
  transition: color 160ms ease-out;
}

.site-header nav a::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 2px;
  background: var(--cobalt);
  transform: scaleX(0);
  transition: transform 160ms ease-out;
}

.site-header nav a:hover,
.site-header nav a.active {
  color: var(--white);
}

.site-header nav a:hover::after,
.site-header nav a.active::after {
  transform: scaleX(1);
}

.california-badge {
  justify-self: end;
  padding: 10px 13px;
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 7px;
  color: #e9f1fc;
  font-size: 13px;
  font-weight: 560;
}

.hero-copy {
  padding: 55px 20px 42px;
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(350px, 0.88fr);
  align-items: end;
  gap: 70px;
}

.eyebrow {
  margin: 0 0 14px;
  color: #74a7ff;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 12px;
  font-weight: 720;
}

.eyebrow.dark {
  color: var(--cobalt);
}

.hero h1 {
  margin: 0;
  max-width: 820px;
  color: var(--white);
  font-size: clamp(49px, 5vw, 76px);
  line-height: 0.98;
  letter-spacing: -0.06em;
  font-weight: 820;
  text-wrap: balance;
}

.hero-intro {
  padding-bottom: 6px;
}

.hero-intro p {
  margin: 0 0 20px;
  max-width: 610px;
  color: #c7d4e5;
  font-size: 19px;
  line-height: 1.55;
}

.hero-intro span {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #edf5ff;
  font-size: 14px;
  font-weight: 560;
}

.hero-intro i {
  width: 22px;
  height: 22px;
  display: grid;
  place-items: center;
  border: 1px solid var(--teal);
  border-radius: 50%;
  color: var(--teal);
  font-style: normal;
}

.calculator-card {
  display: grid;
  grid-template-columns: minmax(0, 1.92fr) minmax(335px, 0.78fr);
  overflow: hidden;
  min-height: 610px;
  color: var(--ink);
  background: var(--white);
  border: 1px solid rgba(216, 229, 245, 0.95);
  border-radius: 16px;
  box-shadow: 0 26px 70px rgba(0, 8, 24, 0.38);
}

.calculator-main {
  min-width: 0;
  padding: 28px 30px 34px;
}

.calculator-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 22px;
}

.section-kicker {
  margin: 0 0 5px;
  color: var(--cobalt);
  text-transform: uppercase;
  letter-spacing: 0.13em;
  font-size: 11px;
  font-weight: 760;
}

.calculator-heading h2 {
  margin: 0;
  font-size: 25px;
  letter-spacing: -0.035em;
}

.utility-actions {
  display: flex;
  align-items: center;
  gap: 8px;
}

.text-button,
.save-button {
  min-height: 38px;
  padding: 0 13px;
  border-radius: 7px;
  font-size: 12px;
  font-weight: 650;
}

.text-button {
  border: 0;
  color: var(--muted);
  background: transparent;
}

.save-button {
  border: 1px solid var(--line);
  color: var(--cobalt-dark);
  background: var(--blue-50);
}

.tabs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-bottom: 1px solid var(--line);
}

.tabs button {
  min-height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  position: relative;
  border: 0;
  color: #647489;
  background: transparent;
  font-size: 13px;
  font-weight: 620;
  transition: color 160ms ease-out, background 160ms ease-out;
}

.tabs button span {
  color: #9aabc0;
  font-size: 10px;
  letter-spacing: 0.08em;
}

.tabs button::after {
  content: "";
  position: absolute;
  inset: auto 14px -1px;
  height: 3px;
  border-radius: 3px 3px 0 0;
  background: var(--cobalt);
  transform: scaleX(0);
  transition: transform 180ms ease-out;
}

.tabs button.selected {
  color: var(--cobalt);
  background: linear-gradient(to bottom, transparent, rgba(238, 245, 255, 0.8));
}

.tabs button.selected span {
  color: var(--cobalt);
}

.tabs button.selected::after {
  transform: scaleX(1);
}

.tab-panel {
  min-height: 410px;
}

.panel-content {
  padding-top: 24px;
  animation: reveal-panel 180ms ease-out;
}

@keyframes reveal-panel {
  from { opacity: 0; transform: translateY(5px); }
  to { opacity: 1; transform: translateY(0); }
}

.status-selector {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-bottom: 22px;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--blue-50);
}

.status-selector button {
  min-height: 42px;
  padding: 6px 12px;
  border: 0;
  border-radius: 6px;
  color: #5d6f83;
  background: transparent;
  font-size: 12px;
  font-weight: 620;
}

.status-selector button.selected {
  color: var(--white);
  background: var(--cobalt);
  box-shadow: 0 5px 16px rgba(21, 94, 239, 0.25);
}

.form-grid {
  display: grid;
  gap: 18px;
}

.form-grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.form-grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.compact-grid {
  margin-top: 18px;
}

.field {
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 7px;
  color: #33465b;
  font-size: 12px;
  font-weight: 650;
}

.field > small {
  min-height: 30px;
  color: #78889a;
  font-size: 10px;
  line-height: 1.45;
  font-weight: 450;
}

.field select,
.input-wrap {
  width: 100%;
  min-height: 48px;
  border: 1px solid #c8d7e9;
  border-radius: 7px;
  color: var(--ink);
  background: var(--white);
  transition: border-color 150ms ease-out, box-shadow 150ms ease-out;
}

.field select {
  padding: 0 38px 0 13px;
}

.input-wrap {
  display: flex;
  align-items: center;
  overflow: hidden;
}

.input-wrap input {
  min-width: 0;
  width: 100%;
  height: 46px;
  padding: 0 12px;
  border: 0;
  outline: 0;
  color: var(--ink);
  background: transparent;
  font-weight: 650;
  font-variant-numeric: tabular-nums;
}

.money-input > i,
.percent-input > i {
  padding-left: 12px;
  color: #6c7e92;
  font-style: normal;
  font-weight: 580;
}

.percent-input > i {
  order: 2;
  padding: 0 10px 0 0;
}

.percent-input input {
  width: 62px;
  flex: 0 0 62px;
  padding-right: 3px;
}

.percent-input b {
  order: 3;
  margin-left: auto;
  padding: 7px 10px;
  border-left: 1px solid var(--line);
  color: var(--cobalt-dark);
  background: var(--blue-50);
  font-size: 11px;
  font-weight: 650;
  white-space: nowrap;
}

.number-input i {
  padding-right: 12px;
  color: #75869a;
  font-style: normal;
  font-size: 11px;
  white-space: nowrap;
}

.field select:focus,
.input-wrap:focus-within {
  border-color: var(--cobalt);
  box-shadow: 0 0 0 3px rgba(21, 94, 239, 0.14);
  outline: 0;
}

.field-readout {
  min-height: 75px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 10px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--blue-50);
}

.field-readout span,
.field-readout small {
  color: #6c7d91;
  font-size: 10px;
}

.field-readout strong {
  margin: 3px 0;
  font-size: 20px;
}

.context-note {
  margin-top: 21px;
  padding: 14px 15px;
  border-left: 3px solid var(--cobalt);
  color: #53667a;
  background: var(--blue-50);
  font-size: 11px;
  line-height: 1.55;
}

.context-note strong {
  color: var(--ink);
}

.panel-explainer {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 17px;
}

.panel-explainer h3 {
  margin: 0 0 4px;
  font-size: 17px;
  letter-spacing: -0.02em;
}

.panel-explainer p {
  margin: 0;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.45;
}

.panel-explainer > span {
  flex: none;
  padding: 8px 10px;
  border-radius: 6px;
  color: var(--cobalt-dark);
  background: var(--blue-50);
  font-size: 11px;
  font-weight: 680;
}

.resident-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.resident-card {
  min-width: 0;
  padding: 13px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fbfdff;
  transition: opacity 160ms ease-out, border-color 160ms ease-out, transform 160ms ease-out;
}

.resident-card.active {
  border-color: #b4cced;
}

.resident-card.vacant {
  opacity: 0.6;
}

.resident-card:focus-within {
  transform: translateY(-1px);
  border-color: var(--cobalt);
}

.resident-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  margin-bottom: 11px;
}

.resident-number {
  color: var(--ink);
  font-size: 13px;
  font-weight: 720;
}

.occupancy-toggle {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 7px;
  border: 0;
  border-radius: 999px;
  color: #617287;
  background: #eaf0f7;
  font-size: 9px;
  font-weight: 650;
}

.occupancy-toggle i {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #8797a9;
}

.occupancy-toggle[aria-pressed="true"] {
  color: #08735b;
  background: #dcf8ef;
}

.occupancy-toggle[aria-pressed="true"] i {
  background: var(--teal-dark);
}

.resident-card .field {
  margin-top: 9px;
}

.resident-card .field > small {
  display: none;
}

.resident-description {
  display: flex;
  align-items: start;
  gap: 7px;
  margin: 10px 0 0;
  color: #75869a;
  font-size: 9px;
  line-height: 1.4;
}

.resident-description b {
  min-width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: var(--cobalt-dark);
  background: var(--blue-100);
  font-size: 8px;
}

.contingency-row {
  width: min(380px, 100%);
  margin-top: 18px;
}

.expense-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-top: 22px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--blue-50);
}

.expense-strip span {
  padding: 12px 14px;
  font-size: 15px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

.expense-strip span + span {
  border-left: 1px solid var(--line);
}

.expense-strip small {
  display: block;
  margin-bottom: 4px;
  color: #6b7d91;
  font-size: 9px;
  font-weight: 550;
}

.live-summary {
  margin: 12px 12px 12px 0;
  padding: 25px;
  overflow: hidden;
  position: relative;
  color: var(--white);
  background:
    radial-gradient(circle at 100% 10%, rgba(21, 94, 239, 0.28), transparent 38%),
    linear-gradient(155deg, #0b2647, #06172c 70%);
  border-radius: 11px;
}

.live-summary::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.15;
  background-image:
    linear-gradient(rgba(121, 177, 255, 0.18) 1px, transparent 1px),
    linear-gradient(90deg, rgba(121, 177, 255, 0.18) 1px, transparent 1px);
  background-size: 30px 30px;
  mask-image: linear-gradient(to bottom, #000, transparent 60%);
}

.live-summary > * {
  position: relative;
  z-index: 1;
}

.summary-topline {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  color: #aebfd4;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 9px;
  font-weight: 680;
}

.health-pill {
  padding: 6px 7px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  text-transform: none;
  letter-spacing: 0;
  font-size: 8px;
}

.health-pill.healthy {
  color: #6be4c5;
  background: rgba(24, 214, 172, 0.12);
}

.health-pill.watch {
  color: #ffd087;
  background: rgba(243, 173, 56, 0.13);
}

.health-pill.risk {
  color: #ff9eaa;
  background: rgba(217, 75, 91, 0.14);
}

.primary-metric {
  padding: 30px 0 24px;
  border-bottom: 1px solid rgba(216, 229, 245, 0.18);
}

.primary-metric span,
.summary-grid span,
.underwriting-row span {
  display: block;
  color: #aebfd4;
  font-size: 10px;
}

.primary-metric strong {
  display: block;
  margin: 6px 0 5px;
  font-size: clamp(35px, 3.2vw, 52px);
  line-height: 1;
  letter-spacing: -0.055em;
  font-variant-numeric: tabular-nums;
}

.primary-metric small,
.summary-grid small {
  color: #8296ae;
  font-size: 9px;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.summary-grid > div {
  min-width: 0;
  padding: 18px 10px 18px 0;
  border-bottom: 1px solid rgba(216, 229, 245, 0.15);
}

.summary-grid > div:nth-child(even) {
  padding-left: 14px;
  border-left: 1px solid rgba(216, 229, 245, 0.15);
}

.summary-grid strong {
  display: block;
  margin: 6px 0 3px;
  overflow: hidden;
  text-overflow: ellipsis;
  font-size: 20px;
  letter-spacing: -0.035em;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.summary-grid .positive strong {
  color: #56dfbb;
}

.summary-grid .negative strong {
  color: #ff8897;
}

.underwriting-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  padding: 18px 0;
}

.underwriting-row strong {
  display: block;
  margin-top: 5px;
  overflow: hidden;
  text-overflow: ellipsis;
  font-size: 13px;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.primary-action {
  width: 100%;
  min-height: 52px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 17px;
  border: 0;
  border-radius: 7px;
  color: var(--white);
  background: var(--cobalt);
  font-size: 13px;
  font-weight: 680;
  box-shadow: 0 10px 25px rgba(21, 94, 239, 0.28);
  transition: transform 160ms ease-out, background 160ms ease-out;
}

.primary-action:hover {
  background: #2470ff;
  transform: translateY(-1px);
}

.primary-action span {
  font-size: 20px;
}

.secondary-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-top: 9px;
}

.secondary-actions button {
  min-height: 38px;
  border: 1px solid rgba(216, 229, 245, 0.2);
  border-radius: 6px;
  color: #c8d5e6;
  background: rgba(255, 255, 255, 0.04);
  font-size: 10px;
  font-weight: 580;
}

.summary-disclaimer {
  margin: 16px 0 0;
  color: #7f94ad;
  font-size: 9px;
  line-height: 1.45;
}

.notice {
  margin: 9px 0 0;
  padding: 8px 9px;
  border-radius: 5px;
  color: #80e9cd;
  background: rgba(24, 214, 172, 0.09);
  font-size: 9px;
}

.content-section {
  padding: 108px 0;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 46px;
}

.section-heading h2,
.broker-layout h2 {
  margin: 0;
  color: var(--ink);
  font-size: clamp(38px, 4.6vw, 64px);
  line-height: 1.02;
  letter-spacing: -0.055em;
  text-wrap: balance;
}

.section-heading > p:last-child,
.broker-layout > div:first-child > p:not(.eyebrow) {
  margin: 22px 0 0;
  max-width: 650px;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.65;
}

.cost-section {
  background: var(--white);
}

.cost-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
}

.cost-cards article {
  min-height: 300px;
  padding: 27px 25px;
  background: var(--white);
}

.cost-cards article + article {
  border-left: 1px solid var(--line);
}

.cost-cards article > span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 52px;
  border-radius: 8px;
  color: var(--cobalt);
  background: var(--blue-50);
  font-size: 10px;
  font-weight: 760;
}

.cost-cards h3 {
  margin: 0 0 9px;
  font-size: 17px;
}

.cost-cards strong {
  display: block;
  margin-bottom: 14px;
  color: var(--cobalt-dark);
  font-size: 20px;
  letter-spacing: -0.03em;
}

.cost-cards p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.source-line {
  margin: 20px 0 0;
  color: #75869a;
  font-size: 10px;
  line-height: 1.6;
}

.source-line a {
  color: var(--cobalt-dark);
  text-underline-offset: 2px;
}

.rates-section {
  background: #f2f6fb;
}

.split-section,
.faq-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(500px, 1.2fr);
  gap: 100px;
  align-items: start;
}

.sticky-heading {
  position: sticky;
  top: 35px;
}

.rate-list {
  border-top: 1px solid #c9d7e8;
}

.rate-list article {
  display: grid;
  grid-template-columns: 62px 1fr;
  gap: 20px;
  padding: 28px 0;
  border-bottom: 1px solid #c9d7e8;
}

.rate-code {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #08735b;
  background: #d9f5eb;
  font-size: 11px;
  font-weight: 780;
}

.rate-code.amber {
  color: #9b6303;
  background: #fff0ce;
}

.rate-code.red {
  color: #9d2f3c;
  background: #ffe0e4;
}

.rate-list h3 {
  margin: 2px 0 8px;
  font-size: 18px;
}

.rate-list p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.65;
}

.rate-list p strong {
  color: var(--ink);
}

.legal-note {
  margin-top: 24px;
  padding: 19px 20px;
  border-left: 3px solid var(--cobalt);
  color: #53677c;
  background: var(--white);
  font-size: 11px;
  line-height: 1.65;
}

.financing-section {
  color: var(--white);
  background: var(--navy-900);
}

.section-heading.light h2,
.section-heading.light > p:last-child {
  color: var(--white);
}

.section-heading.light > p:last-child {
  color: #b7c6d9;
}

.financing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 15px;
}

.financing-grid article {
  min-height: 260px;
  padding: 25px;
  border: 1px solid rgba(216, 229, 245, 0.16);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.035);
}

.financing-grid article > span {
  color: #70a3ff;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 9px;
  font-weight: 700;
}

.financing-grid h3 {
  margin: 54px 0 13px;
  max-width: 280px;
  font-size: 22px;
  line-height: 1.2;
  letter-spacing: -0.035em;
}

.financing-grid p {
  margin: 0;
  color: #aebed1;
  font-size: 12px;
  line-height: 1.65;
}

.rate-benchmark {
  display: grid;
  grid-template-columns: 180px 1fr auto;
  align-items: center;
  gap: 35px;
  margin-top: 18px;
  padding: 22px 25px;
  border: 1px solid rgba(216, 229, 245, 0.16);
  border-radius: 12px;
  background: rgba(21, 94, 239, 0.12);
}

.rate-benchmark span {
  display: block;
  color: #9db1c9;
  font-size: 9px;
}

.rate-benchmark strong {
  display: block;
  margin-top: 3px;
  font-size: 28px;
}

.rate-benchmark p {
  margin: 0;
  color: #b7c6d8;
  font-size: 11px;
  line-height: 1.55;
}

.rate-benchmark a {
  color: var(--white);
  font-size: 11px;
  font-weight: 650;
  white-space: nowrap;
}

.broker-section {
  background: var(--white);
}

.broker-layout {
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  gap: 100px;
  align-items: start;
}

.dark-action {
  width: fit-content;
  min-height: 52px;
  display: inline-flex;
  align-items: center;
  gap: 24px;
  margin-top: 30px;
  padding: 0 18px;
  border-radius: 7px;
  color: var(--white);
  background: var(--navy-900);
  text-decoration: none;
  font-size: 13px;
  font-weight: 650;
}

.dark-action span {
  color: var(--teal);
}

.broker-tools {
  border-top: 1px solid var(--line);
}

.broker-tools article {
  display: grid;
  grid-template-columns: 55px 1fr;
  gap: 18px;
  padding: 25px 0;
  border-bottom: 1px solid var(--line);
}

.broker-tools article > span {
  color: var(--cobalt);
  font-size: 11px;
  font-weight: 760;
}

.broker-tools h3 {
  margin: 0 0 7px;
  font-size: 18px;
}

.broker-tools p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.broker-tools article.coming {
  opacity: 0.62;
}

.faq-section {
  background: #f2f6fb;
}

.faq-list {
  border-top: 1px solid #c9d7e8;
}

.faq-list details {
  border-bottom: 1px solid #c9d7e8;
}

.faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 23px 0;
  list-style: none;
  font-size: 16px;
  font-weight: 660;
  cursor: pointer;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary span {
  flex: none;
  width: 27px;
  height: 27px;
  display: grid;
  place-items: center;
  border: 1px solid #bacce2;
  border-radius: 50%;
  color: var(--cobalt);
  transition: transform 160ms ease-out;
}

.faq-list details[open] summary span {
  transform: rotate(45deg);
}

.faq-list details p {
  margin: -5px 45px 22px 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.7;
}

footer {
  padding: 58px 0;
  color: #c7d4e4;
  background: #06172b;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1.2fr;
  gap: 70px;
}

.footer-grid strong {
  color: var(--white);
  font-size: 18px;
  letter-spacing: -0.035em;
}

.footer-grid span {
  color: #7f95af;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 9px;
}

.footer-grid p {
  margin: 9px 0;
  font-size: 12px;
  line-height: 1.55;
}

.footer-grid small {
  display: block;
  color: #7f95af;
  font-size: 9px;
  line-height: 1.55;
}

button:focus-visible,
a:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(78, 139, 255, 0.72);
  outline-offset: 3px;
}

@media (max-width: 1180px) {
  .page-shell,
  .page-shell.narrow {
    width: min(100% - 44px, 1080px);
  }

  .calculator-card {
    grid-template-columns: minmax(0, 1.55fr) minmax(310px, 0.75fr);
  }

  .form-grid.three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .cost-cards {
    grid-template-columns: repeat(2, 1fr);
  }

  .cost-cards article:nth-child(3) {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .cost-cards article:nth-child(4) {
    border-top: 1px solid var(--line);
  }
}

@media (max-width: 900px) {
  .site-header {
    grid-template-columns: 1fr auto;
  }

  .site-header nav {
    display: none;
  }

  .hero-copy {
    grid-template-columns: 1fr;
    gap: 22px;
    padding-inline: 0;
  }

  .hero-intro {
    max-width: 650px;
  }

  .calculator-card {
    grid-template-columns: 1fr;
  }

  .live-summary {
    margin: 0 12px 12px;
  }

  .split-section,
  .faq-layout,
  .broker-layout {
    grid-template-columns: 1fr;
    gap: 55px;
  }

  .sticky-heading {
    position: static;
  }

  .financing-grid {
    grid-template-columns: 1fr;
  }

  .financing-grid article {
    min-height: 220px;
  }

  .rate-benchmark {
    grid-template-columns: 150px 1fr;
  }

  .rate-benchmark a {
    grid-column: 2;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}

@media (max-width: 640px) {
  .page-shell,
  .page-shell.narrow {
    width: calc(100% - 28px);
  }

  .hero {
    padding-bottom: 30px;
  }

  .site-header {
    height: 64px;
  }

  .brand {
    gap: 8px;
    font-size: 15px;
  }

  .brand-mark {
    width: 29px;
    height: 29px;
    font-size: 10px;
  }

  .california-badge {
    padding: 8px 9px;
    font-size: 10px;
  }

  .blueprint {
    inset: 64px -100px auto 5%;
  }

  .hero-copy {
    padding-top: 39px;
    padding-bottom: 29px;
  }

  .hero h1 {
    max-width: 530px;
    font-size: clamp(44px, 14vw, 60px);
  }

  .hero-intro p {
    font-size: 16px;
  }

  .calculator-shell {
    width: 100%;
  }

  .calculator-card {
    border-radius: 14px 14px 0 0;
  }

  .calculator-main {
    padding: 22px 15px 27px;
  }

  .calculator-heading {
    align-items: start;
    flex-direction: column;
    gap: 13px;
  }

  .calculator-heading h2 {
    font-size: 22px;
  }

  .tabs {
    margin-inline: -15px;
    padding-inline: 7px;
    overflow-x: auto;
    grid-template-columns: repeat(4, minmax(116px, 1fr));
  }

  .tabs button {
    min-height: 55px;
  }

  .status-selector {
    grid-template-columns: 1fr;
  }

  .form-grid.three,
  .form-grid.two,
  .resident-grid {
    grid-template-columns: 1fr;
  }

  .field > small {
    min-height: 0;
  }

  .panel-explainer {
    flex-direction: column;
  }

  .expense-strip {
    grid-template-columns: 1fr;
  }

  .expense-strip span + span {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .live-summary {
    margin: 0;
    padding: 22px 17px 25px;
    border-radius: 0;
  }

  .primary-metric strong {
    font-size: 42px;
  }

  .content-section {
    padding: 76px 0;
  }

  .section-heading {
    margin-bottom: 34px;
  }

  .section-heading h2,
  .broker-layout h2 {
    font-size: 41px;
  }

  .section-heading > p:last-child,
  .broker-layout > div:first-child > p:not(.eyebrow) {
    font-size: 15px;
  }

  .cost-cards {
    grid-template-columns: 1fr;
  }

  .cost-cards article {
    min-height: auto;
  }

  .cost-cards article + article,
  .cost-cards article:nth-child(4) {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .cost-cards article > span {
    margin-bottom: 35px;
  }

  .split-section,
  .faq-layout,
  .broker-layout {
    gap: 40px;
  }

  .rate-benchmark {
    grid-template-columns: 1fr;
    gap: 15px;
  }

  .rate-benchmark a {
    grid-column: 1;
  }

  .financing-grid article {
    min-height: 235px;
  }

  .faq-list summary {
    font-size: 14px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

@media print {
  body {
    background: var(--white);
  }

  .site-header,
  .hero-copy,
  .content-section,
  footer,
  .blueprint,
  .utility-actions,
  .secondary-actions,
  .primary-action {
    display: none !important;
  }

  .hero {
    min-height: 0;
    padding: 0;
    background: var(--white);
  }

  .calculator-shell {
    width: 100%;
  }

  .calculator-card {
    grid-template-columns: 1.6fr 0.8fr;
    box-shadow: none;
    border: 1px solid #9aa9ba;
  }

  .live-summary {
    print-color-adjust: exact;
    -webkit-print-color-adjust: exact;
  }
}