:root {
  --bg:#f8fafc; --surface:#ffffff; --surface-soft:#eef6ff; --text:#0f172a; --muted:#475569; --subtle:#64748b;
  --primary:#2563eb; --primary-hover:#1d4ed8; --primary-soft:#dbeafe; --success:#10b981; --warning:#f59e0b; --danger:#dc2626;
  --border:#e2e8f0; --border-strong:#cbd5e1; --radius:16px; --radius-lg:24px;
  --shadow:0 18px 50px rgba(15,23,42,.08); --font:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
*{box-sizing:border-box} body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font);line-height:1.6} a{color:inherit}.navbar{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 48px;background:rgba(255,255,255,.88);border-bottom:1px solid var(--border);backdrop-filter:blur(18px)}.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:850;font-size:1.15rem;letter-spacing:-.03em}.brand-mark{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,#2563eb,#38bdf8);color:white;box-shadow:0 8px 20px rgba(37,99,235,.25)}.nav-links{display:flex;gap:6px;flex-wrap:wrap}.nav-links a{text-decoration:none;color:var(--muted);padding:9px 12px;border-radius:999px;font-size:.92rem;font-weight:650}.nav-links a:hover,.nav-links a.active{background:var(--primary-soft);color:var(--primary)}.container{max-width:1180px;margin:0 auto;padding:42px 22px 74px}.hero,.tool-header{text-align:center;margin:22px auto 34px;max-width:900px}.eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:14px;padding:7px 12px;border-radius:999px;background:var(--primary-soft);color:var(--primary);font-weight:800;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase}.hero h1,.tool-header h1{margin:0 0 14px;font-size:clamp(2.15rem,5vw,4.2rem);line-height:1.02;letter-spacing:-.055em}.tool-header h1{font-size:clamp(2rem,4vw,3.45rem)}.subtitle{margin:0 auto;color:var(--muted);font-size:1.12rem;max-width:760px}.hero-actions{display:flex;justify-content:center;gap:12px;margin-top:26px;flex-wrap:wrap}.btn-primary,.btn-secondary,.btn-download{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:12px;padding:13px 18px;font-weight:800;text-decoration:none;border:1px solid transparent;cursor:pointer;font-size:1rem}.btn-primary{width:auto;background:var(--primary);color:white;box-shadow:0 12px 28px rgba(37,99,235,.20)}.btn-primary:hover:not(:disabled){background:var(--primary-hover);transform:translateY(-1px)}.btn-primary:disabled{opacity:.65;cursor:not-allowed}.btn-secondary{background:#fff;color:var(--text);border-color:var(--border)}.btn-secondary:hover{border-color:var(--primary);color:var(--primary)}.btn-download{background:var(--success);color:white;margin:16px auto}.tools-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin:32px 0}.tool-card-link{text-decoration:none}.tool-card-item,.tool-card,.tool-options,.result-card,.seo-content,.trust-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow)}.tool-card-item{height:100%;padding:24px;transition:.18s transform,.18s border-color}.tool-card-item:hover{transform:translateY(-3px);border-color:#93c5fd}.tool-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:14px;background:var(--primary-soft);color:var(--primary);font-size:1.4rem;margin-bottom:16px}.tool-card-item h3{margin:0 0 8px;font-size:1.18rem;letter-spacing:-.02em}.tool-card-item p{margin:0;color:var(--muted);font-size:.96rem}.tool-card,.tool-options{padding:28px;margin:0 auto 22px;max-width:860px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-group{margin-bottom:18px}.form-group label,.option-group label{display:block;margin-bottom:8px;font-size:.92rem;font-weight:800;color:#1e293b}.text-input,.text-area,select.text-input{width:100%;border:1px solid var(--border-strong);background:#fff;border-radius:12px;color:var(--text);padding:13px 14px;font:inherit;outline:none}.text-input:focus,.text-area:focus{border-color:var(--primary);box-shadow:0 0 0 4px var(--primary-soft)}.quality-buttons{display:flex;gap:10px;flex-wrap:wrap}.quality-btn{flex:1;min-width:120px;border:1px solid var(--border);background:#fff;color:var(--muted);border-radius:12px;padding:12px 14px;font-weight:800;cursor:pointer}.quality-btn.active{background:var(--primary);border-color:var(--primary);color:#fff}.result-section{margin:22px auto;max-width:980px}.result-card{padding:28px;text-align:center}.result-card h3{margin:0 0 18px;color:var(--success)}.result-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:12px}.stat{background:#f8fafc;border:1px solid var(--border);border-radius:16px;padding:16px}.stat-label{display:block;color:var(--subtle);font-size:.82rem;font-weight:750}.stat-value{display:block;margin-top:4px;font-size:1.18rem;font-weight:850;letter-spacing:-.03em}.stat.highlight{background:linear-gradient(180deg,#eff6ff,#fff);border-color:#bfdbfe}.stat.highlight .stat-value{color:var(--primary)}.seo-content{padding:32px;margin-top:38px}.seo-content h2,.section-title{margin:0 0 14px;font-size:1.65rem;letter-spacing:-.03em}.seo-content h3{margin:24px 0 8px}.seo-content p,.seo-content li{color:var(--muted)}.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:24px 0}.trust-card{padding:18px}.trust-card strong{display:block;margin-bottom:4px}.footer{border-top:1px solid var(--border);padding:28px 22px;text-align:center;color:var(--subtle);background:white}@media(max-width:860px){.navbar{padding:14px 18px;align-items:flex-start}.tools-grid,.trust-row{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.nav-links{width:100%}}@media(max-width:560px){.tools-grid,.trust-row{grid-template-columns:1fr}.container{padding:28px 16px}.hero h1,.tool-header h1{font-size:2.2rem}.btn-primary,.btn-secondary{width:100%}}


/* Mortgage premium calculator */
.mortgage-page{max-width:1280px}.mortgage-hero{max-width:980px}.mortgage-layout{display:grid;grid-template-columns:minmax(0,1.35fr) 420px;gap:22px;align-items:start}.mortgage-form{max-width:none;margin:0;padding:30px}.form-section-title{margin:8px 0 16px;font-weight:900;letter-spacing:-.03em;color:#0f172a;font-size:1.08rem}.form-section-title:not(:first-child){padding-top:20px;border-top:1px solid var(--border)}.three-cols{grid-template-columns:repeat(3,minmax(0,1fr))}.field-hint{display:block;margin-top:6px;color:var(--subtle);font-size:.78rem;line-height:1.35}.mortgage-main-btn{margin-top:8px;width:100%;border-radius:999px;padding:16px 22px}.insight-panel{position:sticky;top:98px;background:radial-gradient(circle at top right,rgba(37,99,235,.18),transparent 35%),#0f172a;color:#fff;border-radius:30px;padding:28px;border:1px solid rgba(255,255,255,.10);box-shadow:0 24px 70px rgba(15,23,42,.22)}.insight-panel h2{margin:12px 0 10px;line-height:1.05;letter-spacing:-.045em;font-size:2rem}.insight-panel p{color:#cbd5e1;margin:0 0 24px}.diagnostic-badge{display:inline-flex;padding:8px 12px;border-radius:999px;font-weight:900;font-size:.8rem;background:#dbeafe;color:#1d4ed8}.diagnostic-badge.good{background:#dcfce7;color:#166534}.diagnostic-badge.warn{background:#fef3c7;color:#92400e}.diagnostic-badge.bad{background:#fee2e2;color:#991b1b}.insight-panel.good{background:radial-gradient(circle at top right,rgba(16,185,129,.22),transparent 36%),#0f172a}.insight-panel.warn{background:radial-gradient(circle at top right,rgba(245,158,11,.24),transparent 36%),#0f172a}.insight-panel.bad{background:radial-gradient(circle at top right,rgba(220,38,38,.25),transparent 36%),#0f172a}.mini-metrics{display:grid;gap:12px}.mini-metrics div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:16px}.mini-metrics span{display:block;font-size:1.6rem;font-weight:950;letter-spacing:-.04em}.mini-metrics small{display:block;color:#cbd5e1;font-weight:700}.mortgage-results{max-width:none;text-align:left;padding:30px}.result-heading-row{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:18px}.result-heading-row h2{margin:0;font-size:2rem;letter-spacing:-.04em}.small-eyebrow{font-size:.72rem;margin-bottom:6px}.premium-stats{grid-template-columns:repeat(4,minmax(0,1fr));margin-bottom:22px}.premium-stats .stat{min-height:112px}.analysis-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.analysis-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:20px;box-shadow:0 10px 30px rgba(15,23,42,.06)}.analysis-card h3{margin:0 0 14px;font-size:1.14rem;letter-spacing:-.025em}.breakdown-list{display:grid;gap:10px}.breakdown-row{display:grid;grid-template-columns:1fr auto;gap:8px;align-items:baseline;padding:10px 0;border-bottom:1px solid #eef2f7}.breakdown-row:last-child{border-bottom:0}.breakdown-row span{color:#475569;font-weight:700}.breakdown-row strong{font-size:1rem;color:#0f172a}.breakdown-row small{grid-column:1/-1;color:#64748b;font-size:.78rem;margin-top:-4px}.meter{height:12px;background:#e2e8f0;border-radius:999px;overflow:hidden;margin-bottom:12px}.meter span{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,#10b981,#f59e0b,#dc2626)}.research-card{max-width:1180px;margin-left:auto;margin-right:auto}.source-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0}.source-grid>div{background:#f8fafc;border:1px solid var(--border);border-radius:20px;padding:20px}.source-grid h3{margin-top:0}.source-grid p{margin-bottom:0}.text-input:hover{border-color:#93c5fd}@media(max-width:1050px){.mortgage-layout{grid-template-columns:1fr}.insight-panel{position:relative;top:auto}.premium-stats,.analysis-grid{grid-template-columns:1fr 1fr}.source-grid{grid-template-columns:1fr}}@media(max-width:720px){.three-cols,.premium-stats,.analysis-grid{grid-template-columns:1fr}.result-heading-row{flex-direction:column}.mortgage-form,.mortgage-results{padding:22px}.insight-panel{border-radius:24px}}




/* Inline financial help */
.form-helper-note{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin:-6px 0 20px;color:#475569;font-size:.94rem;background:linear-gradient(180deg,#f8fbff,#ffffff);border:1px solid #dbeafe;border-radius:16px;padding:12px 14px}.inline-info-pill{display:inline-flex;align-items:center;gap:6px;height:26px;padding:0 10px;border-radius:999px;background:#eff6ff;border:1px solid #bfdbfe;color:#1d4ed8;font-size:.78rem;font-weight:900;line-height:1}.inline-info-pill span{display:grid;place-items:center;width:16px;height:16px;border-radius:999px;background:#2563eb;color:#fff;font-size:.72rem;font-family:Georgia,serif;font-style:italic}.label-row{display:flex;align-items:center;justify-content:flex-start;gap:10px;margin-bottom:8px;position:relative}.label-row label{margin:0!important;line-height:1.2}.help-chip{-webkit-appearance:none;appearance:none;display:inline-flex!important;align-items:center;justify-content:center;gap:6px;height:28px;padding:0 10px;border-radius:999px;border:1px solid #c7d2fe;background:#eef6ff;color:#1d4ed8;font-family:var(--font);font-size:.75rem;font-weight:900;line-height:1;letter-spacing:-.01em;cursor:pointer;box-shadow:0 1px 0 rgba(37,99,235,.06);transition:background .16s ease,border-color .16s ease,color .16s ease,box-shadow .16s ease,transform .16s ease}.help-chip-icon{display:grid;place-items:center;width:16px;height:16px;border-radius:999px;background:#2563eb;color:#fff;font-family:Georgia,serif;font-style:italic;font-weight:900;font-size:.72rem;line-height:1}.help-chip:hover,.help-chip:focus-visible,.help-chip[aria-expanded="true"]{background:#2563eb;color:#fff;border-color:#2563eb;box-shadow:0 10px 24px rgba(37,99,235,.22);transform:translateY(-1px);outline:none}.help-chip:hover .help-chip-icon,.help-chip:focus-visible .help-chip-icon,.help-chip[aria-expanded="true"] .help-chip-icon{background:#fff;color:#2563eb}.field-help-panel{display:grid;grid-template-columns:28px minmax(0,1fr);gap:12px;margin:10px 0 2px;padding:14px 15px;border-radius:18px;background:linear-gradient(180deg,#f8fbff,#eef6ff);border:1px solid #bfdbfe;box-shadow:0 12px 30px rgba(37,99,235,.09);color:#0f172a;animation:fieldHelpIn .16s ease-out}.field-help-panel[hidden]{display:none!important}.field-help-panel-icon{display:grid;place-items:center;width:28px;height:28px;border-radius:999px;background:#2563eb;color:#fff;font-family:Georgia,serif;font-style:italic;font-weight:900}.field-help-panel strong{display:block;margin:1px 0 3px;font-size:.92rem;letter-spacing:-.015em}.field-help-panel p{margin:0;color:#475569;font-size:.9rem;line-height:1.45}

/* Methodology / research section */
.methodology-section{padding:40px;max-width:1180px;margin-left:auto;margin-right:auto}.methodology-header{text-align:center;margin-bottom:32px}.methodology-header h2{margin:8px 0 10px;font-size:clamp(1.6rem,3.2vw,2.4rem);letter-spacing:-.04em;line-height:1.1}.methodology-header p{margin:0 auto;color:var(--muted);font-size:1.08rem;max-width:680px}.source-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:0 0 28px}.source-card{background:linear-gradient(180deg,#fff,#f8fafc);border:1px solid var(--border);border-radius:22px;padding:28px 24px;box-shadow:0 10px 30px rgba(15,23,42,.05);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.source-card:hover{transform:translateY(-3px);box-shadow:0 18px 50px rgba(15,23,42,.08);border-color:#93c5fd}.source-icon{display:grid;place-items:center;width:52px;height:52px;border-radius:16px;background:linear-gradient(135deg,#dbeafe,#eff6ff);font-size:1.5rem;margin-bottom:16px}.source-card h3{margin:0 0 10px;font-size:1.18rem;letter-spacing:-.025em;color:#0f172a}.source-card p{margin:0;color:var(--muted);font-size:.94rem;line-height:1.55}.disclaimer-note{text-align:center;color:var(--subtle);font-size:.88rem;padding:16px 24px;background:#f8fafc;border:1px solid var(--border);border-radius:16px;margin:0}

@keyframes fieldHelpIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}
@media(max-width:1050px){.source-grid{grid-template-columns:1fr 1fr}}
@media(max-width:720px){.label-row{align-items:center}.help-chip{height:30px;padding:0 11px}.source-grid{grid-template-columns:1fr}.methodology-section{padding:28px 20px}.form-helper-note{font-size:.88rem}.field-help-panel{grid-template-columns:24px 1fr;padding:12px}.field-help-panel-icon{width:24px;height:24px}}