/* ============================================================
   Colorado Financial Toolkit — v2
   Dark Forest palette · Newsreader + Work Sans · Refined cards
   ============================================================ */

:root {
  /* Dark Forest palette */
  --forest-900: #022c22;
  --forest-800: #064e3b;  /* primary — deep evergreen */
  --forest-700: #047857;  /* primary-container / money */
  --forest-200: #6ee7b7;  /* primary-fixed-dim */
  --forest-100: #a7f3d0;  /* primary-fixed / chip bg */
  --forest-50:  #ecfdf5;  /* light tint for chips */

  --rust-700: #9a3412;
  --rust-600: #b45309;
  --rust-500: #c2410c;    /* CTA — earthy orange/rust */
  --rust-300: #fb923c;
  --rust-100: #fed7aa;
  --rust-50:  #fff7ed;

  --surface-container:         #e3f2e7;
  --surface-container-high:    #ddece1;
  --surface-container-highest: #d7e6db;
  --surface-dim:               #cfded3;

  /* Kept for brand mark SVG only — do not use for UI */
  --co-red:        #BF0A30;
  --co-red-dark:   #8C0720;
  --co-blue:       #003DA5;
  --co-blue-light: #1A56C4;
  --co-gold:       #FFD100;

  /* Design tokens */
  --color-bg:            #fafaf9;  /* warm stone off-white */
  --color-bg-alt:        #f1f1f0;  /* slightly darker stone for subtle row/card highlights */
  --color-surface:       #FFFFFF;
  --color-primary:       var(--forest-800);
  --color-text:          #0d1f16;
  --color-muted:         #3f4943;
  --color-border:        #bec9c0;
  --color-border-strong: #6f7a72;

  --color-money:         var(--forest-700);
  --color-money-dark:    var(--forest-800);
  --color-risk:          #ba1a1a;
  --color-warn:          var(--rust-500);

  /* Budget bucket colors — desaturated/muted for premium readability */
  --color-fixed:         #b07355;   /* muted terracotta */
  --color-savings:       #5f8f72;   /* sage green */
  --color-invest:        #3b82b8;   /* deep sky blue */
  --color-guiltfree:     #c9a642;   /* soft gold */

  /* Typography */
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:    'Inter', system-ui, -apple-system, sans-serif;
  --font-mono:    'JetBrains Mono', ui-monospace, SFMono-Regular, monospace;

  /* Spacing */
  --space-xs:   0.25rem;
  --space-sm:   0.5rem;
  --space-md:   1rem;
  --space-lg:   1.5rem;
  --space-xl:   2rem;
  --space-2xl:  3rem;

  /* Radius — premium soft feel */
  --radius-sm:  8px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  28px;

  /* Shadows — forest-green tinted */
  --shadow-xs: 0 1px 2px rgba(0, 81, 54, 0.04);
  --shadow-sm: 0 1px 3px rgba(0, 81, 54, 0.06), 0 1px 2px rgba(0, 81, 54, 0.04);
  --shadow-md: 0 4px 24px rgba(0, 108, 73, 0.08);
  --shadow-lg: 0 12px 32px -8px rgba(0, 81, 54, 0.14);

  /* Focus ring */
  --focus-ring: 0 0 0 2px var(--forest-800);

  /* Layout */
  --sidebar-w: 340px;
  --bento-gap: 1.25rem;
}

/* ============================================================
   Base
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  padding: 0;
  background-color: var(--color-bg);
  background-image:
    linear-gradient(to bottom, rgba(238, 253, 242, 0.82) 0%, rgba(238, 253, 242, 0.45) 35%, rgba(238, 253, 242, 0.45) 65%, rgba(238, 253, 242, 0.92) 100%),
    url('../images/background.png');
  background-size: cover;
  background-attachment: fixed;
  background-position: center top;
  color: var(--color-text);
  font-family: var(--font-body);
  font-size: 15px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Mountain silhouette watermark — fixed, fades at bottom */
body::before {
  content: "";
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  height: 45vh;
  pointer-events: none;
  z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 280' preserveAspectRatio='none'%3E%3Cpath d='M0%2C280 L0%2C180 L100%2C130 L200%2C165 L310%2C90 L420%2C155 L530%2C55 L640%2C115 L740%2C38 L850%2C95 L960%2C140 L1070%2C72 L1180%2C125 L1290%2C80 L1370%2C110 L1440%2C75 L1440%2C280 Z' fill='%23064e3b'%2F%3E%3C%2Fsvg%3E");
  background-size: 100% 100%;
  background-repeat: no-repeat;
  background-position: bottom center;
  opacity: 0.045;
  mask-image: linear-gradient(to top, black 40%, transparent 100%);
}

#app {
  position: relative;
  z-index: 1;
  max-width: 1400px;
  margin: 0 auto;
  padding: calc(72px + var(--space-lg)) var(--space-lg) 140px;
}

@media (max-width: 768px) {
  #app { padding: calc(72px + var(--space-md)) var(--space-md) var(--space-2xl); }
}

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* ============================================================
   Header — fixed glass nav bar
   ============================================================ */

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.38);
  backdrop-filter: blur(24px) saturate(1.4);
  -webkit-backdrop-filter: blur(24px) saturate(1.4);
  border-bottom: 1px solid rgba(255, 255, 255, 0.5);
  box-shadow: 0 1px 0 rgba(255,255,255,0.6) inset, 0 4px 24px rgba(0, 60, 40, 0.08);
}

.site-header__inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 var(--space-xl);
  height: 72px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: var(--space-lg);
}

.site-header__left {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  flex-shrink: 0;
}

.mountain-silhouette { display: none; }

.brand-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.site-title {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  color: var(--forest-800);
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex-shrink: 0;
}

.btn-get-started {
  background: var(--forest-800);
  color: #ffffff;
  border: none;
  border-radius: 9999px;
  padding: 0.5rem 1.25rem;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: background 150ms ease, transform 100ms ease;
  box-shadow: 0 2px 10px rgba(6, 78, 59, 0.2);
}
.btn-get-started:hover { background: var(--forest-700); }
.btn-get-started:active { transform: scale(0.97); }
.btn-get-started:focus-visible { outline: none; box-shadow: var(--focus-ring); }

@media (max-width: 640px) {
  .site-header__inner { padding: 0 var(--space-md); }
  .site-title { font-size: 1.15rem; }
  /* Hide desktop tabs and nav links; show hamburger */
  .calculator-tabs { display: none; }
  .site-header__actions .header-nav-link { display: none; }
  .mobile-menu-btn { display: flex !important; }
}

/* Active nav link — current page indicator */
.header-nav-link--active {
  color: var(--forest-800);
  font-weight: 700;
  border-bottom: 1.5px solid var(--forest-800);
  padding-bottom: 1px;
  pointer-events: none;
}

/* ============================================================
   Header Search Bar (content pages)
   ============================================================ */

.header-search-wrap {
  display: flex;
  justify-content: center;
  align-items: center;
  width: 100%;
}

.header-search {
  position: relative;
  width: min(340px, 100%);
}

.header-search__icon {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--color-muted);
  pointer-events: none;
}

.header-search__input {
  width: 100%;
  padding: 0.5rem 1rem 0.5rem 2.25rem;
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: 9999px;
  background: rgba(255, 255, 255, 0.45);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  font-family: var(--font-body);
  font-size: 0.875rem;
  color: var(--color-text);
  outline: none;
  transition: background 150ms ease, box-shadow 150ms ease, border-color 150ms ease;
  box-sizing: border-box;
  -webkit-appearance: none;
}

.header-search__input::placeholder { color: var(--color-muted); }

.header-search__input:focus {
  background: rgba(255, 255, 255, 0.8);
  border-color: rgba(6, 78, 59, 0.35);
  box-shadow: 0 0 0 3px rgba(6, 78, 59, 0.1);
}

.header-search__dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  right: 0;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(6, 78, 59, 0.12);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 32px rgba(0, 60, 40, 0.14), 0 2px 8px rgba(0, 0, 0, 0.06);
  overflow: hidden;
  display: none;
  z-index: 200;
}

.header-search__dropdown.is-open { display: block; }

.search-result-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.6rem 0.875rem;
  text-decoration: none;
  color: var(--color-text);
  transition: background 100ms ease;
}

.search-result-item:hover,
.search-result-item.is-focused {
  background: var(--forest-50);
}

.search-result-item__badge {
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 0.18em 0.5em;
  border-radius: 4px;
  flex-shrink: 0;
  white-space: nowrap;
}

.search-result-item__badge--tool {
  background: rgba(6, 78, 59, 0.1);
  color: var(--forest-800);
}

.search-result-item__badge--article {
  background: rgba(196, 98, 45, 0.1);
  color: var(--rust-500);
}

.search-result-item__text {
  flex: 1;
  min-width: 0;
}

.search-result-item__label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.search-result-item__hint {
  display: block;
  font-size: 0.75rem;
  color: var(--color-muted);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.search-empty {
  padding: 0.7rem 0.875rem;
  font-size: 0.875rem;
  color: var(--color-muted);
  font-style: italic;
  margin: 0;
}

/* Primary tab — slightly stronger visual weight for flagship tool */
.calc-tab--primary {
  font-weight: 600;
  color: var(--color-text);
}
.calc-tab--primary.is-active { font-weight: 700; }

/* a-tags inside mobile tool grid (content page deep links) */
a.mobile-tool-btn {
  text-decoration: none;
}

@media (max-width: 640px) {
  .header-search-wrap { display: none; }
}

/* ============================================================
   Mobile hamburger button
   ============================================================ */

.mobile-menu-btn {
  display: none;
  appearance: none;
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.65);
  border-radius: var(--radius-sm);
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
  cursor: pointer;
  flex-shrink: 0;
  transition: background 140ms ease;
  padding: 0;
}
.mobile-menu-btn:hover { background: rgba(255,255,255,0.78); }
.mobile-menu-btn:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.mobile-menu-btn .bar {
  display: block;
  width: 18px;
  height: 1.5px;
  background: var(--forest-800);
  border-radius: 2px;
  transition: transform 220ms cubic-bezier(0.32,0.72,0,1), opacity 180ms ease;
}
.mobile-menu-btn.is-open .bar:nth-child(1) { transform: translateY(5.5px) rotate(45deg); }
.mobile-menu-btn.is-open .bar:nth-child(2) { opacity: 0; transform: scaleX(0); }
.mobile-menu-btn.is-open .bar:nth-child(3) { transform: translateY(-5.5px) rotate(-45deg); }

/* ============================================================
   Mobile menu — bottom sheet overlay
   ============================================================ */

.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 150;
  background: rgba(2, 44, 34, 0.4);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 220ms ease;
}
.mobile-menu.is-open {
  opacity: 1;
  pointer-events: all;
}
.mobile-menu__sheet {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(252, 253, 251, 0.97);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
  border-top: 1px solid rgba(255,255,255,0.8);
  padding: var(--space-md) var(--space-lg) calc(var(--space-xl) + env(safe-area-inset-bottom, 0px));
  transform: translateY(100%);
  transition: transform 300ms cubic-bezier(0.32, 0.72, 0, 1);
  box-shadow: 0 -8px 40px rgba(0, 60, 40, 0.14);
}
.mobile-menu.is-open .mobile-menu__sheet { transform: translateY(0); }

.mobile-menu__handle {
  width: 36px;
  height: 4px;
  background: var(--color-border);
  border-radius: 2px;
  margin: 0 auto var(--space-lg);
}
.mobile-menu__section-label {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-muted);
  margin: 0 0 var(--space-sm);
}
.mobile-tools-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--space-sm);
  margin-bottom: var(--space-lg);
}
.mobile-tool-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
  padding: var(--space-md) var(--space-sm);
  background: var(--forest-50);
  border: 1px solid var(--forest-100);
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--forest-800);
  cursor: pointer;
  text-align: center;
  appearance: none;
  line-height: 1.25;
  transition: background 140ms ease, border-color 140ms ease;
  min-height: 64px;
}
.mobile-tool-btn:hover, .mobile-tool-btn.is-active {
  background: var(--forest-100);
  border-color: var(--forest-200);
}
.mobile-tool-btn__icon {
  font-size: 1.35rem;
  line-height: 1;
}
.mobile-divider {
  height: 1px;
  background: var(--color-border);
  margin: 0 0 var(--space-md);
}
.mobile-content-links {
  display: flex;
  gap: var(--space-xl);
  flex-wrap: wrap;
}
.mobile-content-link {
  font-size: 1rem;
  font-weight: 500;
  color: var(--forest-800);
  text-decoration: none;
  padding: var(--space-xs) 0;
  border-bottom: 1.5px solid transparent;
  transition: color 140ms ease, border-color 140ms ease;
}
.mobile-content-link:hover { color: var(--forest-700); border-bottom-color: var(--forest-700); }

/* ============================================================
   Breadcrumb
   ============================================================ */

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin-bottom: var(--space-md);
  flex-wrap: wrap;
}
.breadcrumb a {
  color: var(--forest-800);
  text-decoration: none;
  font-weight: 500;
  transition: color 140ms ease;
}
.breadcrumb a:hover { color: var(--forest-700); }
.breadcrumb__sep { color: var(--surface-dim); user-select: none; }
.breadcrumb__current { color: var(--color-muted); }

/* ============================================================
   Ad Slots (monetization)
   ============================================================ */

.ad-slot {
  position: relative;
  background: rgba(255, 255, 255, 0.7);
  border: 1px dashed var(--surface-dim);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-md);
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.ad-slot:empty {
  min-height: 0;
  border: none;
  padding: 0;
}

.ad-slot:has(ins:not(:empty)) {
  border: none;
  background: transparent;
}
.ad-slot:has(ins:not(:empty))::after { display: none; }
.ad-slot:has(ins:not(:empty)) .ad-label { display: none; }

.ad-slot::after {
  content: "AD · responsive leaderboard 728×90";
  font-family: var(--font-mono);
  font-size: 0.7rem;
  color: var(--color-muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.ad-slot > ins { width: 100%; min-height: 90px; }
.ad-slot > ins:not(:empty) + * { display: none; }

.ad-slot--leaderboard { min-height: 90px; }
.ad-slot--rectangle   { min-height: 250px; max-width: 100%; }
.ad-slot--rectangle::after { content: "AD · medium rectangle 300×250"; }

.ad-slot--bottom { min-height: 90px; margin-top: var(--space-xl); }

.ad-label {
  position: absolute;
  top: 6px; left: 10px;
  font-family: var(--font-mono);
  font-size: 0.65rem;
  color: var(--color-muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  pointer-events: none;
}

/* ============================================================
   Calculator tabs (pill nav)
   ============================================================ */

.calculator-tabs {
  display: flex;
  gap: var(--space-xl);
  padding: 0;
  background: none;
  border: none;
  border-radius: 0;
  margin-bottom: 0;
  box-shadow: none;
  flex: 1;
  justify-content: center;
}

.calc-tab {
  appearance: none;
  background: transparent;
  border: none;
  border-bottom: 2px solid transparent;
  padding: 0 0 8px;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-muted);
  border-radius: 0;
  cursor: pointer;
  min-height: auto;
  transition: color 150ms ease, border-color 150ms ease;
}
.calc-tab:hover { color: var(--color-text); }
.calc-tab.is-active {
  color: var(--forest-800);
  border-bottom: 2px solid var(--forest-800);
  background: none;
  box-shadow: none;
  font-weight: 600;
}
.calc-tab:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}

/* ============================================================
   Bento Layout: inputs (fluid) + sticky results sidebar
   ============================================================ */

.calculator-pane {}
.calculator-pane[hidden] { display: none; }

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) var(--sidebar-w);
  gap: var(--bento-gap);
  align-items: start;
}

#panel-results,
#panel-results-insurance,
#panel-results-risk { align-self: start; }

@media (max-width: 880px) {
  .calculator-layout {
    grid-template-columns: 1fr;
  }
}

#panel-inputs,
#panel-inputs-insurance,
#panel-inputs-risk {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: var(--bento-gap);
  min-width: 0;
}

/* ============================================================
   Input cards — alpine glass
   ============================================================ */

.glass-tile {
  background: rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.5);
}

.input-card {
  grid-column: span 12;
  background: rgba(255, 255, 255, 0.58);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: var(--radius-xl);
  padding: var(--space-lg);
  box-shadow: 0 2px 12px rgba(6, 78, 59, 0.06);
  position: relative;
  min-width: 0;
}

.input-card--half { grid-column: span 6; }
.input-card--third { grid-column: span 4; }

@media (max-width: 768px) {
  .input-card--half, .input-card--third, .breakdown-accordion { grid-column: span 12; }
}

.input-card__eyebrow {
  display: flex;
  align-items: center;
  gap: 0.5em;
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-muted);
  margin-bottom: var(--space-sm);
}
.input-card__eyebrow::before {
  content: "";
  display: block;
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--rust-500);
}

.input-card__title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: -0.01em;
  color: var(--forest-900);
  margin: 0 0 var(--space-md);
}

.input-card__title + .form-helper {
  margin-top: -0.4rem;
  margin-bottom: var(--space-md);
}

/* Collapsible */
.input-card--collapsible { padding: 0; }
.collapsible-toggle {
  appearance: none;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  background: transparent;
  border: 0;
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--forest-900);
  min-height: 48px;
  border-radius: var(--radius-lg);
}
.collapsible-toggle:hover { background: rgba(0, 81, 54, 0.04); }
.collapsible-toggle:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.collapsible-toggle .chevron { transition: transform 180ms ease; color: var(--color-muted); }
.collapsible-toggle.is-expanded .chevron { transform: rotate(180deg); }

.collapsible-body { padding: 0 var(--space-lg) var(--space-lg); }

/* ============================================================
   Forms
   ============================================================ */

.form-group { margin-bottom: var(--space-md); }
.form-group:last-child { margin-bottom: 0; }

.form-label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-muted);
  margin-bottom: 0.375rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.form-helper {
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin: 0.375rem 0 0;
  line-height: 1.45;
}
.form-helper--warn { color: var(--color-risk); }

.form-input,
.form-select {
  width: 100%;
  padding: 0.625rem 0.75rem;
  min-height: 44px;
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  color: var(--color-text);
  transition: border-color 140ms ease, box-shadow 140ms ease;
}
.form-input::placeholder { color: var(--surface-dim); }

.form-input:hover,
.form-select:hover { border-color: var(--color-border-strong); }

.form-input:focus,
.form-select:focus,
.form-input:focus-visible,
.form-select:focus-visible {
  outline: none;
  border-color: var(--forest-800);
  box-shadow: var(--focus-ring);
}

/* Dollar inputs — mono for precision */
#input-takehome,
#input-takehome-annual,
#input-rent-override,
#input-mortgage,
#input-hoa,
#input-split-rent,
#input-custom-rent,
#input-custom-groceries,
#input-custom-transport,
#wi-coverage-amount,
#wi-year-built {
  font-family: var(--font-mono);
  font-feature-settings: 'tnum';
  letter-spacing: -0.01em;
}

.form-select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%233f4943' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  padding-right: 2.25rem;
  appearance: none;
  -webkit-appearance: none;
}

.input-prefix-wrap {
  position: relative;
  display: flex;
  align-items: stretch;
}
.input-prefix {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-mono);
  font-weight: 600;
  color: var(--color-muted);
  pointer-events: none;
  font-size: 0.9375rem;
}
.form-input--prefixed { padding-left: 1.75rem; }

/* Radio group: stacked tile style */
.radio-group {
  display: grid;
  gap: 0.5rem;
}
.radio-option {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.625rem 0.875rem;
  min-height: 44px;
  background: rgba(255, 255, 255, 0.6);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--color-text);
  cursor: pointer;
  transition: border-color 140ms ease, background 140ms ease;
}
.radio-option:hover {
  border-color: var(--forest-800);
  background: rgba(0, 81, 54, 0.04);
}
.radio-option input[type="radio"] {
  appearance: none;
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border: 2px solid var(--color-border-strong);
  border-radius: 50%;
  background: white;
  flex-shrink: 0;
  position: relative;
  cursor: pointer;
  transition: border-color 140ms ease;
}
.radio-option input[type="radio"]:checked {
  border-color: var(--forest-800);
}
.radio-option input[type="radio"]:checked::after {
  content: "";
  position: absolute;
  inset: 2px;
  border-radius: 50%;
  background: var(--forest-800);
}
.radio-option input[type="radio"]:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
}
.radio-option:has(input:checked) {
  border-color: var(--forest-800);
  background: rgba(0, 81, 54, 0.07);
  color: var(--forest-900);
  font-weight: 500;
}

/* Segmented control (household) */
.segmented-control {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4px;
  padding: 4px;
  background: rgba(255, 255, 255, 0.28);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: var(--radius-md);
}
@media (max-width: 480px) {
  .segmented-control { grid-template-columns: repeat(2, 1fr); }
}
.segmented-control__option {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 0.5rem 0.5rem;
  min-height: 40px;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-muted);
  border-radius: calc(var(--radius-md) - 4px);
  cursor: pointer;
  transition: background 140ms ease, color 140ms ease;
}
.segmented-control__option input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.segmented-control__option:hover { color: var(--color-text); }
.segmented-control__option:has(input:checked) {
  background: var(--color-surface);
  color: var(--forest-900);
  box-shadow: var(--shadow-xs);
  font-weight: 600;
}
.segmented-control__option:has(input:focus-visible) { box-shadow: var(--focus-ring); }

/* Toggle switch */
.toggle-label {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  font-size: 0.875rem;
  color: var(--color-muted);
  cursor: pointer;
  min-height: 32px;
}
.toggle-checkbox { position: absolute; opacity: 0; pointer-events: none; }
.toggle-switch {
  position: relative;
  display: inline-block;
  width: 36px; height: 20px;
  background: var(--surface-dim);
  border-radius: 999px;
  flex-shrink: 0;
  transition: background 180ms ease;
}
.toggle-switch::after {
  content: "";
  position: absolute;
  top: 2px; left: 2px;
  width: 16px; height: 16px;
  background: white;
  border-radius: 50%;
  box-shadow: var(--shadow-sm);
  transition: transform 180ms ease;
}
.toggle-checkbox:checked + .toggle-switch { background: var(--rust-500); }
.toggle-checkbox:checked + .toggle-switch::after { transform: translateX(16px); }
.toggle-checkbox:focus-visible + .toggle-switch { box-shadow: var(--focus-ring); }

/* Sliders */
.form-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  outline: none;
  background: linear-gradient(
    to right,
    var(--forest-800) 0%,
    var(--forest-800) var(--slider-fill, 50%),
    var(--surface-container-highest) var(--slider-fill, 50%),
    var(--surface-container-highest) 100%
  );
}
.form-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--forest-800);
  border: none;
  box-shadow: var(--shadow-sm);
  cursor: grab;
}
.form-slider::-webkit-slider-thumb:active { cursor: grabbing; }
.form-slider::-moz-range-thumb {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--forest-800);
  border: none;
  box-shadow: var(--shadow-sm);
  cursor: grab;
}
.form-slider::-moz-range-thumb:active { cursor: grabbing; }
.form-slider::-moz-range-progress { background: var(--forest-800); border-radius: 999px; }
.form-slider:focus-visible { box-shadow: var(--focus-ring); }

.advanced-guiltfree-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 0.875rem;
  background: rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-left: 3px solid var(--rust-500);
  border-radius: var(--radius-sm);
  margin-top: var(--space-sm);
}
.guiltfree-pct { font-family: var(--font-mono); color: var(--rust-500); }

/* Income prompt — directs new users to act */
.income-prompt {
  font-size: 0.875rem;
  color: var(--forest-700);
  font-weight: 500;
  margin-bottom: var(--space-md);
  padding: 0.5rem 0.75rem;
  background: rgba(5, 150, 105, 0.07);
  border-left: 3px solid var(--forest-700);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

/* Email capture */
.input-card--email {
  background: rgba(255, 243, 238, 0.85);
  color: var(--color-text);
  border-color: rgba(255, 219, 202, 0.8);
  border-left: 4px solid var(--rust-500);
}
.input-card--email .input-card__title { color: var(--forest-900); }
.email-subtext { color: var(--color-muted); font-size: 0.875rem; margin: 0 0 var(--space-md); }
.email-form-row { display: flex; gap: 0.5rem; }
.email-form-row .form-input {
  background: white;
  border-color: var(--color-border);
  color: var(--color-text);
}
.email-form-row .form-input::placeholder { color: var(--surface-dim); }
.email-form-row .form-input:focus { border-color: var(--forest-800); box-shadow: var(--focus-ring); }
.btn-email-submit {
  appearance: none;
  padding: 0.625rem 1rem;
  min-height: 44px;
  background: var(--rust-500);
  color: white;
  border: 0;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.875rem;
  cursor: pointer;
  white-space: nowrap;
  transition: background 140ms ease;
}
.btn-email-submit:hover { background: var(--rust-600); }
.btn-email-submit:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.input-card--email .form-helper { color: var(--color-muted); }
.email-success { color: var(--forest-700); font-size: 0.9rem; }

/* ============================================================
   Results column — sticky sidebar (desktop) / inline card (mobile)
   ============================================================ */

#panel-results,
#panel-results-insurance,
#panel-results-risk {
  position: sticky;
  top: 100px;   /* clear fixed header (72px) with visible breathing room */
  z-index: 10;  /* header is z-100 — sidebar always stays below */
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
  max-height: calc(100vh - 100px - var(--space-lg));
  margin-bottom: var(--space-lg);
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.22)) drop-shadow(0 6px 16px rgba(0,0,0,0.16));
  overflow-x: hidden;
  overflow-y: auto;
  overscroll-behavior: contain;
  scrollbar-width: none;   /* Firefox */
  min-width: 0;
}
#panel-results::-webkit-scrollbar,
#panel-results-insurance::-webkit-scrollbar,
#panel-results-risk::-webkit-scrollbar { display: none; }

/* Mobile: inline results below inputs — dark green card */
@media (max-width: 880px) {
  #panel-results,
  #panel-results-insurance,
  #panel-results-risk {
    position: static;
    max-height: none;
    background: rgba(3, 47, 35, 0.92);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-xl);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.24);
    padding: var(--space-lg) var(--space-md);
    z-index: auto;
    gap: var(--space-md);
    margin-top: var(--space-md);
    overflow-y: visible;
    filter: none;
  }
  /* remove pseudo drag handle */
  #panel-results::before,
  #panel-results-insurance::before,
  #panel-results-risk::before {
    display: none;
  }
}

/* Each result card — dark glass sidebar */
#panel-results > div,
#panel-results-insurance > div,
#panel-results-risk > div {
  background: rgba(4, 58, 43, 0.72);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-xl);
  padding: 0.75rem;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.18);
  min-width: 0;
  max-width: 100%;
  /* Override CSS variables for dark context */
  --color-text:          #ffffff;
  --color-muted:         #9bbdb5;
  --color-border:        rgba(255, 255, 255, 0.1);
  --color-surface:       rgba(255, 255, 255, 0.07);
  --forest-50:           rgba(255, 255, 255, 0.07);
  --forest-100:          rgba(255, 255, 255, 0.15);
  --forest-800:          #ffffff;
  --forest-900:          #ffffff;
  --surface-container:   rgba(255, 255, 255, 0.06);
  --surface-container-highest: rgba(255, 255, 255, 0.12);
  --surface-dim:         rgba(255, 255, 255, 0.2);
  color: var(--color-text);
}
#panel-results > div:empty,
#panel-results-insurance > div:empty,
#panel-results-risk > div:empty { display: none; }

#panel-results > .ad-slot {
  background: rgba(255,255,255,0.08);
  box-shadow: none;
  --color-muted: rgba(255,255,255,0.5);
}

/* Placeholder (initial state) */
.results-placeholder {
  padding: var(--space-md);
  text-align: center;
  color: var(--color-muted);
}
.results-placeholder__text {
  margin: 0;
  font-size: 0.875rem;
  font-style: italic;
}

/* ============================================================
   Results — Summary
   ============================================================ */

.results-summary {
  text-align: left;
}
.results-summary__label {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.7rem;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.25rem;
}
.results-summary__income {
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 1.6rem;
  word-break: break-all;
  color: var(--forest-800);
  letter-spacing: -0.02em;
  line-height: 1.1;
  font-feature-settings: 'tnum';
}
.results-summary__subtitle {
  margin-top: 0.35rem;
  font-size: 0.8125rem;
  color: var(--color-muted);
}

/* ============================================================
   Results — Stacked Bar
   ============================================================ */

.results-bar {}
.bar-track {
  position: relative;
  display: flex;
  gap: 0;
  height: 28px;
  border-radius: var(--radius-sm);
  overflow: hidden;
  background: rgba(255, 255, 255, 0.28);
  border: 1px solid rgba(0, 0, 0, 0.12);
  box-shadow: inset 0 2px 5px rgba(0, 0, 0, 0.28), inset 0 1px 2px rgba(0, 0, 0, 0.18);
  isolation: isolate;
}
.bar-seg {
  transition: width 400ms ease;
  border: none;
  outline: none;
  flex-shrink: 0;
  transform: translateZ(0);
  will-change: width;
}
/* Force 1px overlap to kill subpixel hairlines */
.bar-seg + .bar-seg { margin-left: -1px; }
.bar-seg--fixed     { background: var(--color-fixed); }
.bar-seg--savings   { background: var(--color-savings); }
.bar-seg--invest    { background: var(--color-invest); }
.bar-seg--guiltfree { background: var(--color-guiltfree); }
.bar-seg--overflow  { background: repeating-linear-gradient(45deg, var(--color-risk) 0 6px, #8B0000 6px 12px); box-shadow: none; }

.bar-markers { position: relative; height: 0; }
.bar-marker {
  position: absolute;
  top: -32px;
  width: 2px; height: 32px;
  background: rgba(0, 33, 19, 0.3);
}
.bar-legend {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.25rem 0.5rem;
  margin-top: var(--space-sm);
  font-size: 0.75rem;
  color: #9bbdb5;
}
.bar-legend__item {
  display: flex;
  align-items: baseline;
  gap: 0.4em;
}
.bar-legend__item::before {
  content: "";
  display: inline-block;
  width: 7px; height: 7px;
  border-radius: 2px;
  flex-shrink: 0;
  transform: translateY(1px);
}
.bar-legend__item--fixed::before     { background: var(--color-fixed); }
.bar-legend__item--savings::before   { background: var(--color-savings); }
.bar-legend__item--invest::before    { background: var(--color-invest); }
.bar-legend__item--guiltfree::before { background: var(--color-guiltfree); }
.bar-legend__item strong {
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 0.8rem;
  color: #ffffff;
  margin-left: auto;
  font-feature-settings: 'tnum';
  letter-spacing: -0.02em;
}

/* ============================================================
   Results — Bucket cards (2x2)
   ============================================================ */

.results-buckets {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 0.375rem;
}
.bucket-card {
  padding: 0.5rem 0.75rem;
  background: var(--forest-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  border-left-width: 3px;
}
.bucket-card--fixed     { border-left-color: var(--color-fixed); }
.bucket-card--savings   { border-left-color: var(--color-savings); }
.bucket-card--invest    { border-left-color: var(--color-invest); }
.bucket-card--guiltfree { border-left-color: var(--color-guiltfree); }

.bucket-card__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.35rem;
  margin-bottom: 0.35rem;
  flex-wrap: wrap;
}
.bucket-card__name {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.bucket-card__amount {
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 1rem;
  word-break: break-all;
  color: var(--color-text);
  letter-spacing: -0.02em;
  font-feature-settings: 'tnum';
}
.bucket-card__amount.amount--negative { color: var(--color-risk); }
.bucket-card__pct {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  color: var(--color-muted);
  margin-top: 0.15rem;
}

.status-chip {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.5rem;
  font-size: 0.65rem;
  font-weight: 600;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
}
.chip--green  { background: var(--forest-100); color: var(--forest-800); }
.chip--yellow { background: var(--rust-50);    color: var(--rust-600); }
.chip--red    { background: #FFEBEE;            color: var(--color-risk); }

/* Breakdown accordion wrapper — sits beside 'Budget Targets' in the 12-col grid */
.breakdown-accordion {
  grid-column: span 6;
  background: rgba(255, 255, 255, 0.58);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: var(--radius-xl);
  box-shadow: 0 2px 12px rgba(6, 78, 59, 0.06);
  overflow: hidden;
}
.breakdown-accordion__summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-md) var(--space-lg);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--forest-900);
  cursor: pointer;
  list-style: none;
  min-height: 52px;
  transition: background 140ms ease;
}
.breakdown-accordion__summary::-webkit-details-marker { display: none; }
.breakdown-accordion__summary:hover { background: rgba(0, 81, 54, 0.04); }
.breakdown-accordion__summary:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.breakdown-accordion__summary .chevron { transition: transform 180ms ease; color: var(--color-muted); }
.breakdown-accordion[open] .breakdown-accordion__summary .chevron { transform: rotate(180deg); }

#results-breakdown:not(:empty) {
  padding: 0 var(--space-lg) var(--space-lg);
}

/* ============================================================
   Results — Line item breakdown
   ============================================================ */

.breakdown-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: var(--space-sm);
}
.breakdown-title {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--forest-900);
}
.btn-reset-overrides {
  appearance: none;
  background: transparent;
  border: 1px solid var(--color-border);
  padding: 0.3rem 0.6rem;
  font-size: 0.7rem;
  color: var(--color-muted);
  border-radius: var(--radius-sm);
  cursor: pointer;
  min-height: 28px;
}
.btn-reset-overrides:hover { border-color: var(--rust-500); color: var(--rust-600); }
.btn-reset-overrides:focus-visible { outline: none; box-shadow: var(--focus-ring); }

.breakdown-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8125rem;
}
.breakdown-table thead th {
  text-align: left;
  font-weight: 500;
  color: var(--color-muted);
  padding: 0.375rem 0;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.breakdown-table thead th:nth-child(2),
.breakdown-table thead th:nth-child(3) { text-align: right; }
.breakdown-table tbody td {
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--surface-container);
  color: var(--color-text);
}
.breakdown-table tbody td:nth-child(2),
.breakdown-table tbody td:nth-child(3) { text-align: right; }

.breakdown-amount { font-family: var(--font-mono); color: var(--color-text); font-feature-settings: 'tnum'; }
.breakdown-pct    { font-family: var(--font-mono); color: var(--color-muted); font-feature-settings: 'tnum'; font-size: 0.75rem; }
.breakdown-label  { font-weight: 500; }

.editable-value {
  appearance: none;
  background: transparent;
  border: 0;
  border-bottom: 1px dashed var(--color-border);
  padding: 0.1rem 0.2rem;
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  color: var(--color-text);
  cursor: pointer;
  font-feature-settings: 'tnum';
}
.editable-value:hover { border-bottom-color: var(--rust-500); color: var(--rust-600); }
.editable-value:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }

.inline-edit-input {
  width: 90px;
  padding: 0.15rem 0.3rem;
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  border: 1px solid var(--rust-500);
  border-radius: 3px;
  text-align: right;
  box-shadow: var(--focus-ring);
  outline: none;
}

.row-flag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px; height: 16px;
  background: #FFEBEE;
  color: var(--color-risk);
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  margin-left: 0.35em;
}
.row-note {
  font-size: 0.65rem;
  color: var(--color-muted);
  margin-left: 0.35em;
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.row--warning td { background: #FFEBEE; }

.breakdown-total td {
  padding-top: 0.6rem;
  border-top: 1px solid var(--color-border);
  font-weight: 600;
  color: var(--color-text);
}
.breakdown-total td:nth-child(2) {
  font-family: var(--font-mono);
  font-feature-settings: 'tnum';
}

.breakdown-note {
  font-size: 0.7rem;
  color: var(--color-muted);
  margin: var(--space-sm) 0 0;
  font-style: italic;
}

/* ============================================================
   Results — Verdict
   ============================================================ */

.results-verdict { text-align: left; }
.verdict-light {
  width: 48px; height: 48px;
  border-radius: 50%;
  margin-bottom: var(--space-sm);
  box-shadow: inset 0 -4px 8px rgba(0,0,0,0.15), 0 0 0 3px white, 0 0 0 4px var(--color-border);
}
.verdict-light--green  { background: radial-gradient(circle at 30% 30%, #4ade80, var(--forest-700)); }
.verdict-light--yellow { background: radial-gradient(circle at 30% 30%, #fcd34d, var(--rust-500)); }
.verdict-light--red    { background: radial-gradient(circle at 30% 30%, #f87171, var(--color-risk)); }

.verdict-label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--forest-900);
  letter-spacing: -0.01em;
}
.verdict-message {
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin: 0.35rem 0 var(--space-md);
  line-height: 1.5;
}

.gap-card {
  padding: 0.75rem 0.875rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}
.gap-card--shortfall { background: #FFEBEE; border-color: #FECACA; }
.gap-card--surplus   { background: var(--forest-50); border-color: var(--surface-dim); }
.gap-card__label {
  font-size: 0.7rem;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 500;
}
.gap-card__amount {
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--color-text);
  margin-top: 0.2rem;
  font-feature-settings: 'tnum';
}
.gap-card--shortfall .gap-card__amount { color: var(--color-risk); }
.gap-card--surplus   .gap-card__amount { color: var(--forest-700); }
.gap-card__sub {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  color: var(--color-muted);
  margin-top: 0.25rem;
}

.alternatives { margin-top: var(--space-md); }
.alternatives__title {
  margin: 0 0 0.4rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.8125rem;
  color: var(--forest-900);
}
.alternatives-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.3rem; }
.alternatives-item {
  display: flex;
  justify-content: space-between;
  gap: 0.5rem;
  padding: 0.45rem 0.6rem;
  background: var(--forest-50);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
}
.alt-city { color: var(--color-text); font-weight: 500; }
.alt-savings {
  font-family: var(--font-mono);
  color: var(--forest-700);
  font-size: 0.75rem;
  font-feature-settings: 'tnum';
}

/* ============================================================
   Results — Compare (renders in left/input column)
   ============================================================ */

#results-compare:empty { display: none; }
#results-compare .results-compare {
  background: rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-left: 3px solid var(--forest-800);
  border-radius: var(--radius-xl);
  padding: var(--space-md) var(--space-lg);
}

.compare-title {
  margin: 0 0 var(--space-sm);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--forest-900);
}
.compare-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}
.compare-grid::before {
  content: "vs";
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  font-family: var(--font-display);
  font-style: italic;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-muted);
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 999px;
  padding: 0.2rem 0.5rem;
  pointer-events: none;
  z-index: 1;
  line-height: 1;
}
.compare-col {
  padding: 0.875rem 1rem;
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.28);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.compare-city-name { font-family: var(--font-display); font-weight: 600; font-size: 0.9rem; color: var(--forest-900); margin-bottom: 0.5rem; letter-spacing: -0.01em; }
.compare-verdict {
  display: inline-block;
  padding: 0.1rem 0.45rem;
  font-size: 0.65rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  border-radius: 999px;
  margin-bottom: 0.45rem;
}
.verdict-chip--green  { background: transparent; color: var(--forest-800); border: 1px solid var(--forest-700); }
.verdict-chip--yellow { background: transparent; color: var(--rust-600);   border: 1px solid var(--rust-500); }
.verdict-chip--red    { background: transparent; color: var(--color-risk); border: 1px solid var(--color-risk); }

.compare-stat {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--color-muted);
  padding: 0.15rem 0;
}
.compare-stat strong {
  font-family: var(--font-mono);
  color: var(--color-text);
  font-feature-settings: 'tnum';
}
.compare-stat { opacity: 0.75; }
.compare-stat strong { font-weight: 500; }

.compare-diff {
  margin-top: var(--space-sm);
  padding: 0.6rem 0.75rem;
  background: rgba(6, 78, 59, 0.06);
  border: 1px solid rgba(6, 78, 59, 0.12);
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  color: var(--color-muted);
}
.compare-diff strong {
  font-family: var(--font-mono);
  font-size: 1rem;
  font-weight: 700;
  color: var(--forest-800);
  letter-spacing: -0.02em;
  font-feature-settings: 'tnum';
}

/* ============================================================
   Wildfire results
   ============================================================ */

.wildfire-results { display: flex; flex-direction: column; gap: var(--space-md); }

.insurance-result-card {
  padding: var(--space-md);
  background: var(--forest-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
}
.insurance-result-header {
  display: flex;
  gap: 0.4rem;
  flex-wrap: wrap;
  margin-bottom: var(--space-sm);
}
.risk-badge, .wui-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.25rem 0.625rem;
  font-size: 0.7rem;
  font-weight: 600;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.risk-badge--low       { background: var(--forest-100); color: var(--forest-800); }
.risk-badge--moderate  { background: var(--rust-50);    color: var(--rust-500); }
.risk-badge--high      { background: #FED7AA;            color: #9A3412; }
.risk-badge--very-high { background: #FFEBEE;            color: var(--color-risk); }
.wui-badge { background: var(--forest-800); color: white; }

.insurance-result-amounts {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}
.insurance-result-block {
  padding: 0.6rem 0.75rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-sm);
}
.insurance-result-label {
  display: block;
  font-size: 0.7rem;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 0.2rem;
}
.insurance-result-number {
  font-family: var(--font-mono);
  font-weight: 600;
  font-size: 1.05rem;
  color: #ffffff;
  font-feature-settings: 'tnum';
  letter-spacing: -0.02em;
}
.insurance-result-note {
  font-size: 0.75rem;
  color: var(--color-muted);
  margin: 0;
}

.risk-score-bar {
  position: relative;
  height: 8px;
  background: var(--surface-container-highest);
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 0.35rem;
}
.risk-score-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--co-gold) 0%, var(--rust-300) 50%, var(--color-risk) 100%);
  transform-origin: left center;
  transition: width 400ms ease;
}
.risk-score-label {
  font-family: var(--font-mono);
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin: 0 0 0.35rem;
}
.risk-score-label strong { font-weight: 600; color: var(--color-text); }

.hb1182-notice {
  padding: 0.75rem 0.875rem;
  background: rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-left: 3px solid rgba(110, 231, 183, 0.7);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  color: var(--color-text);
  line-height: 1.5;
}
.hb1182-notice strong { color: var(--forest-200); }

.mitigation-section__title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.8125rem;
  color: #ffffff;
  margin: 0 0 var(--space-sm);
}
.mitigation-list, .risk-factors-list {
  list-style: none;
  padding: 0; margin: 0;
  display: grid;
  gap: 0.5rem;
}
.mitigation-item, .risk-factor-item {
  padding: 0.55rem 0.7rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-sm);
}
.mitigation-row { display: flex; justify-content: space-between; gap: 0.5rem; align-items: baseline; }
.mitigation-label { font-weight: 500; font-size: 0.75rem; color: #ffffff; }
.mitigation-discount {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  color: #ffffff;
  background: rgba(255, 255, 255, 0.18);
  padding: 0.1rem 0.45rem;
  border-radius: 999px;
  font-weight: 600;
  font-feature-settings: 'tnum';
}
.mitigation-description {
  font-size: 0.6875rem;
  color: #9bbdb5;
  margin: 0.3rem 0 0;
  line-height: 1.45;
}
.risk-factor-item { font-size: 0.8125rem; color: var(--color-muted); line-height: 1.5; }

.risk-insurance-impact {
  padding: var(--space-md);
  background: var(--forest-50);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
}
.risk-insurance-impact p { font-size: 0.8125rem; color: var(--color-muted); margin: 0.2rem 0; line-height: 1.5; }
.risk-insurance-impact strong {
  font-family: var(--font-mono);
  color: var(--color-text);
  font-feature-settings: 'tnum';
}

.official-resource {
  padding: 0.75rem 0.875rem;
  background: rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-sm);
}
.official-resource__link {
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--forest-900);
  text-decoration: none;
}
.official-resource__link:hover { color: var(--rust-500); }

/* Affiliate callout */
.affiliate-cta {
  padding: var(--space-md);
  background: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.32);
  border-left: 3px solid rgba(110, 231, 183, 0.6);
  border-radius: var(--radius-md);
  position: relative;
}
.affiliate-cta.urgency-high {
  border-left-color: rgba(251, 146, 60, 0.7);
}
.affiliate-cta__headline {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--forest-900);
  margin-bottom: 0.3rem;
  line-height: 1.35;
}
.affiliate-cta__body { font-size: 0.8125rem; color: var(--color-muted); margin: 0 0 var(--space-sm); line-height: 1.5; }
.affiliate-cta__link {
  display: inline-flex;
  align-items: center;
  gap: 0.3em;
  padding: 0.55rem 0.9rem;
  min-height: 40px;
  background: var(--rust-500);
  color: white;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.8125rem;
  text-decoration: none;
  transition: filter 140ms ease;
}
.affiliate-cta.urgency-high .affiliate-cta__link { background: var(--rust-500); }
.affiliate-cta__link:hover { filter: brightness(0.9); }
.affiliate-cta.urgency-high .affiliate-cta__link:hover { filter: brightness(0.9); }
.affiliate-cta__link:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.affiliate-cta__disclosure {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  color: var(--color-muted);
  margin: 0.55rem 0 0;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ============================================================
   Insurer CTA card — orange brand tile in main content grid
   ============================================================ */

.input-card--insurer-cta {
  background: linear-gradient(145deg, rgba(255,237,213,0.92) 0%, rgba(254,215,170,0.82) 100%);
  border: 1px solid rgba(249,115,22,0.25);
  border-left: 3px solid #f97316;
  animation: insurer-pulse 3.5s ease-in-out infinite;
  transition: box-shadow 200ms ease, transform 200ms ease;
}
.input-card--insurer-cta.urgency-high {
  background: linear-gradient(145deg, rgba(255,228,208,0.95) 0%, rgba(254,202,162,0.88) 100%);
  border-left-color: #ea580c;
}
.input-card--insurer-cta:hover {
  animation-play-state: paused;
  box-shadow: 0 0 0 3px rgba(249,115,22,0.28), 0 10px 36px rgba(249,115,22,0.22);
  transform: translateY(-2px);
}
@keyframes insurer-pulse {
  0%, 100% { box-shadow: 0 4px 16px rgba(249,115,22,0.08), 0 0 0 0 rgba(249,115,22,0); }
  50%       { box-shadow: 0 6px 24px rgba(249,115,22,0.18), 0 0 0 4px rgba(249,115,22,0.07); }
}
.input-card--insurer-cta .input-card__eyebrow { color: #c2410c; }
.input-card--insurer-cta .input-card__title {
  color: #7c2d12;
  font-size: 1rem;
  margin-bottom: var(--space-sm);
}
.input-card--insurer-cta .affiliate-cta__body {
  color: #9a3412;
  font-size: 0.8125rem;
  margin: 0 0 var(--space-md);
}
.input-card--insurer-cta .affiliate-cta__link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  background: #ea580c;
  color: #ffffff;
  border-radius: var(--radius-md);
  padding: 0.7rem 1rem;
  font-weight: 700;
  font-size: 0.875rem;
  text-decoration: none;
  transition: background 160ms ease, box-shadow 160ms ease;
  filter: none;
}
.input-card--insurer-cta .affiliate-cta__link:hover {
  background: #c2410c;
  box-shadow: 0 4px 20px rgba(234,88,12,0.4);
  filter: none;
}
.input-card--insurer-cta .affiliate-cta__disclosure {
  color: #b45309;
  margin-top: var(--space-sm);
}

/* ============================================================
   Content pages (about, privacy, contact)
   ============================================================ */

.back-nav {
  margin-bottom: var(--space-lg);
}
.back-link {
  display: inline-flex;
  align-items: center;
  gap: 0.45em;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--forest-800);
  text-decoration: none;
  padding: 0.5rem 1rem 0.5rem 0.75rem;
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 9999px;
  box-shadow: 0 1px 4px rgba(0, 60, 40, 0.1), 0 1px 0 rgba(255,255,255,0.6) inset;
  transition: background 140ms ease, box-shadow 140ms ease, color 140ms ease, transform 100ms ease;
}
.back-link:hover {
  background: rgba(255, 255, 255, 0.85);
  box-shadow: 0 3px 14px rgba(0, 60, 40, 0.14), 0 1px 0 rgba(255,255,255,0.8) inset;
  color: var(--forest-700);
  transform: translateX(-2px);
}
.back-link:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.back-link svg { flex-shrink: 0; transition: transform 100ms ease; }
.back-link:hover svg { transform: translateX(-2px); }

.content-page {
  max-width: 720px;
  background: rgba(255, 255, 255, 0.70);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.65);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  box-shadow: 0 4px 32px rgba(0, 60, 40, 0.09), 0 1px 0 rgba(255, 255, 255, 0.7) inset;
}
@media (max-width: 768px) {
  .content-page { padding: var(--space-lg) var(--space-md); }
}
.content-page h1 {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--forest-900);
  margin: 0 0 var(--space-sm);
}
.content-page .page-intro {
  font-size: 1rem;
  color: var(--color-muted);
  line-height: 1.65;
  margin: 0 0 var(--space-xl);
  padding-bottom: var(--space-xl);
  border-bottom: 1px solid var(--color-border);
}
.content-section {
  margin-bottom: var(--space-xl);
}
.content-section h2 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--forest-900);
  margin: 0 0 var(--space-sm);
  padding-bottom: var(--space-xs);
  border-bottom: 2px solid var(--forest-800);
  display: inline-block;
}
.content-section p {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--color-muted);
  margin: 0 0 var(--space-md);
}
.content-section p:last-child { margin-bottom: 0; }
.content-section ul {
  margin: 0 0 var(--space-md);
  padding-left: 1.25rem;
}
.content-section li {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--color-muted);
  margin-bottom: 0.35rem;
}
.content-disclaimer {
  margin-top: var(--space-xl);
  padding: var(--space-md) var(--space-lg);
  background: rgba(255, 255, 255, 0.35);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-left: 3px solid var(--forest-800);
  border-radius: var(--radius-sm);
  font-size: 0.8125rem;
  color: var(--color-muted);
  line-height: 1.6;
}

/* ============================================================
   Blog index
   ============================================================ */

.blog-list {
  display: grid;
  gap: var(--space-lg);
}
.blog-card {
  padding: var(--space-lg);
  background: rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.55);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--rust-500);
  box-shadow: 0 2px 12px rgba(6, 78, 59, 0.06);
  transition: box-shadow 160ms ease, border-color 160ms ease;
}
.blog-card:hover {
  box-shadow: 0 4px 16px rgba(6, 78, 59, 0.09);
  border-color: #d1d5d2;
}
.blog-card__meta {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}
.blog-card__meta time {
  font-size: 0.8125rem;
  color: var(--color-muted);
}
.blog-card__tag {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--rust-600);
  background: var(--rust-50);
  padding: 0.15rem 0.5rem;
  border-radius: 999px;
}
.blog-card__title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  line-height: 1.35;
  color: var(--forest-900);
  margin: 0 0 var(--space-sm);
  letter-spacing: -0.01em;
}
.blog-card__title a {
  color: inherit;
  text-decoration: none;
  transition: color 140ms ease;
}
.blog-card__title a:hover { color: var(--forest-700); }
.blog-card__title a:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }
.blog-card__desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--color-muted);
  margin: 0 0 var(--space-md);
}
.blog-card__cta {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--forest-800);
  text-decoration: none;
  transition: color 140ms ease;
}
.blog-card__cta:hover { color: var(--forest-700); }
.blog-card__cta:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }

/* ============================================================
   Article / Blog
   ============================================================ */

.page-nav {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
  flex-wrap: wrap;
}
.page-nav .back-link { margin-right: auto; }
.page-nav-links {
  display: flex;
  gap: var(--space-md);
}
.page-nav-links a {
  font-size: 0.8125rem;
  color: var(--color-muted);
  text-decoration: none;
  transition: color 140ms ease;
}
.page-nav-links a:hover { color: var(--forest-700); }
.page-nav-links a:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }

.article-page { max-width: 720px; }

.article-header { margin-bottom: var(--space-xl); }
.article-header h1 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 5vw, 2.5rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.18;
  color: var(--forest-900);
  margin: 0 0 var(--space-md);
}
.article-meta {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin-bottom: var(--space-md);
}
.article-meta time { font-weight: 500; }
.article-meta-sep { color: var(--surface-dim); }
.article-lede {
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--color-muted);
  margin: 0;
  padding-bottom: var(--space-xl);
  border-bottom: 1px solid var(--color-border);
}

.article-body { margin-top: var(--space-xl); }
.article-body p {
  font-size: 1.125rem;
  line-height: 1.8;
  color: var(--color-muted);
  margin: 0 0 var(--space-md);
}
.article-body h2 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--forest-900);
  margin: var(--space-xl) 0 var(--space-sm);
  padding-bottom: var(--space-xs);
  border-bottom: 2px solid var(--forest-800);
  display: inline-block;
  letter-spacing: -0.01em;
}
.article-body h3 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--forest-800);
  margin: var(--space-lg) 0 var(--space-xs);
  letter-spacing: -0.01em;
}
.article-body ul {
  margin: 0 0 var(--space-md);
  padding-left: 0;
  list-style: none;
  display: grid;
  gap: 0.4rem;
}
.article-body li {
  display: flex;
  gap: 0.6rem;
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--color-muted);
}
.article-body li::before {
  content: "✓";
  color: var(--forest-700);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 0.05em;
}
.article-body strong { color: var(--forest-900); font-weight: 600; }

/* Article glass reading column */
.article-glass-column {
  background: rgba(255, 255, 255, 0.70);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.65);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  box-shadow: 0 4px 32px rgba(0, 60, 40, 0.09), 0 1px 0 rgba(255, 255, 255, 0.7) inset;
}
@media (max-width: 768px) {
  .article-glass-column { padding: var(--space-lg) var(--space-md); }
}

/* Header nav links (blog/content pages) */
.header-nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--forest-800);
  text-decoration: none;
  transition: color 140ms ease;
}
.header-nav-link:hover { color: var(--forest-700); }
.header-nav-link:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }

.site-title--link { text-decoration: none; color: inherit; }

/* Back-nav row — back-link left, breadcrumb right */
.back-nav {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
  flex-wrap: wrap;
}

.article-cta {
  margin-top: var(--space-2xl);
  padding: var(--space-lg) var(--space-xl);
  background: rgba(255, 255, 255, 0.38);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.55);
  border-left: 4px solid var(--forest-800);
  border-radius: var(--radius-lg);
}
.article-cta p {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--color-muted);
  margin: 0 0 var(--space-md);
}
.article-cta a.cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4em;
  padding: 0.6rem 1.25rem;
  background: var(--forest-800);
  color: white;
  font-weight: 600;
  font-size: 0.9375rem;
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: background 140ms ease;
}
.article-cta a.cta-btn:hover { background: var(--forest-700); }
.article-cta a.cta-btn:focus-visible { outline: none; box-shadow: var(--focus-ring); }

/* Contact form */
.contact-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  margin-top: var(--space-lg);
}
.contact-form .form-group { margin: 0; }
.contact-form textarea.form-input {
  resize: vertical;
  min-height: 130px;
  font-family: var(--font-body);
}
.btn-submit {
  appearance: none;
  align-self: flex-start;
  padding: 0.625rem 1.5rem;
  min-height: 44px;
  background: var(--forest-800);
  color: white;
  border: 0;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9375rem;
  cursor: pointer;
  transition: background 140ms ease;
}
.btn-submit:hover { background: var(--forest-700); }
.btn-submit:focus-visible { outline: none; box-shadow: var(--focus-ring); }

.footer-links {
  display: flex;
  gap: var(--space-md);
}
.footer-links a {
  color: var(--color-muted);
  text-decoration: none;
  font-size: 0.75rem;
  transition: color 140ms ease;
}
.footer-links a:hover { color: var(--forest-800); }
.footer-links a:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: 2px; }

/* ============================================================
   Footer
   ============================================================ */

.site-footer {
  margin-top: var(--space-xl);
  padding: var(--space-lg) 0;
  border-top: 1px solid var(--color-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-md);
  flex-wrap: wrap;
  font-size: 0.75rem;
  color: var(--color-muted);
}
.site-footer p { margin: 0; }
.footer-meta {
  display: flex;
  gap: var(--space-md);
  font-family: var(--font-mono);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-muted);
}

/* ============================================================
   Focus-visible policy — forest green ring everywhere
   ============================================================ */

:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: 4px;
}

a:focus-visible {
  box-shadow: var(--focus-ring);
  border-radius: 3px;
}

/* Results-updated subtle pulse */
.results-updated { animation: resultsPulse 400ms ease; }
@keyframes resultsPulse {
  0%   { opacity: 0.85; }
  100% { opacity: 1; }
}

/* ============================================================
   Horizontal radio group — Home Type button strip
   ============================================================ */

.radio-group--horizontal {
  display: flex;
  gap: 0;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.6);
  background: rgba(255, 255, 255, 0.28);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.radio-group--horizontal .radio-option {
  flex: 1;
  justify-content: center;
  text-align: center;
  border: 0;
  border-right: 1px solid #d1d5d2;
  border-radius: 0;
  background: transparent;
  padding: 0.55rem 0.5rem;
  font-size: 0.8125rem;
  gap: 0.4rem;
  flex-direction: column;
  min-height: 52px;
}
.radio-group--horizontal .radio-option:last-child { border-right: 0; }
.radio-group--horizontal .radio-option:hover {
  background: rgba(6, 78, 59, 0.05);
  border-color: transparent;
}
.radio-group--horizontal .radio-option:has(input:checked) {
  background: #064e3b;
  color: #ecfdf5;
  font-weight: 600;
  border-color: #022c22;
  box-shadow: inset 0 0 0 1px #022c22, 0 2px 8px rgba(2,44,34,0.28);
}
.radio-group--horizontal .radio-option input[type="radio"] { display: none; }

/* ============================================================
   Circular risk gauge ring — conic-gradient, CSS-only
   Set --pct (0-100) via element.style.setProperty()
   ============================================================ */

.risk-gauge {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-sm) 0;
}

.risk-gauge-ring {
  --pct: 0;
  --gauge-fill: var(--rust-500);
  position: relative;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: conic-gradient(
    from -90deg,
    var(--gauge-fill) calc(var(--pct) * 3.6deg),
    rgba(255, 255, 255, 0.18) calc(var(--pct) * 3.6deg)
  );
  transition: background 600ms ease;
}

.risk-gauge-ring--low    { --gauge-fill: #6ee7b7; }
.risk-gauge-ring--mod    { --gauge-fill: #fbbf24; }
.risk-gauge-ring--high   { --gauge-fill: #fb923c; }
.risk-gauge-ring--vhigh  { --gauge-fill: #ef4444; }

/* Inner circle — matches the dark sidebar background */
.risk-gauge-ring::before {
  content: "";
  position: absolute;
  inset: 12px;
  border-radius: 50%;
  background: #064e3b;
}

.risk-gauge-ring__value {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-mono);
  font-size: 1.4rem;
  font-weight: 700;
  color: #ecfdf5;
  letter-spacing: -0.03em;
  line-height: 1;
}

.risk-gauge__label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-muted);
  text-align: center;
}

/* ============================================================
   Primary CTA button — earthy rust/orange
   ============================================================ */

.btn-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4em;
  padding: 0.7rem 1.5rem;
  min-height: 46px;
  background: #c2410c;
  color: #ffffff;
  border: 0;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9375rem;
  cursor: pointer;
  text-decoration: none;
  transition: background 140ms ease, box-shadow 140ms ease;
  box-shadow: 0 1px 3px rgba(194, 65, 12, 0.3);
}
.btn-cta:hover {
  background: #b91c1c;
  box-shadow: 0 4px 12px rgba(194, 65, 12, 0.35);
}
.btn-cta:focus-visible {
  outline: none;
  box-shadow: 0 0 0 3px rgba(194, 65, 12, 0.4);
}
.btn-cta:active { background: #9a3412; }

/* ============================================================
   Data Table (Blog Editorial comparison tables)
   ============================================================ */

.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--space-xl) 0;
  font-size: 0.9rem;
  font-family: var(--font-body);
}

.data-table thead th {
  text-align: left;
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--forest-900);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: var(--space-sm) var(--space-md);
  border-bottom: 2px solid var(--forest-800);
}

.data-table tbody td {
  padding: 0.75rem var(--space-md);
  border-bottom: 1px solid var(--color-border);
  color: var(--color-muted);
}

.data-table thead th:nth-child(2),
.data-table thead th:nth-child(3),
.data-table tbody td:nth-child(2),
.data-table tbody td:nth-child(3) {
  text-align: right;
}

.data-table tbody td:nth-child(2),
.data-table tbody td:nth-child(3) {
  font-family: var(--font-mono);
  font-feature-settings: 'tnum';
  color: var(--color-text);
}

.data-table tr.data-table__highlight {
  font-weight: bold;
  background-color: var(--color-bg-alt);
}

.data-table tr.data-table__highlight td {
  color: var(--forest-900);
}

/* ============================================================
   Print
   ============================================================ */

@media print {
  body::before, .ad-slot, .calculator-tabs, .input-card--email, .site-footer { display: none !important; }
  #app { padding: 0; max-width: none; }
  .calculator-layout { display: block; }
  #panel-results, #panel-results-insurance, #panel-results-risk {
    position: static;
    max-height: none;
    overflow: visible;
    background: white;
    backdrop-filter: none;
    box-shadow: none;
  }
  .input-card, .blog-card, #panel-results > div, #panel-results-insurance > div, #panel-results-risk > div {
    background: white !important;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    box-shadow: none !important;
  }
}