:root {
  --paper: #f2efe7;
  --paper-deep: #e7e1d4;
  --ink: #16261f;
  --ink-soft: #526159;
  --forest: #173e31;
  --forest-bright: #28664f;
  --signal: #e65f38;
  --gold: #d5a843;
  --line: rgba(22, 38, 31, 0.18);
  --white: #fffdf7;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --sans: "Avenir Next", Avenir, "Gill Sans", "Trebuchet MS", sans-serif;
  --shadow: 0 22px 60px rgba(22, 38, 31, 0.12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.5;
}

button, input { font: inherit; }
button { color: inherit; }
.paper-grain {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 20;
  opacity: 0.14;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 160 160' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.22'/%3E%3C/svg%3E");
  mix-blend-mode: multiply;
}

.masthead {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  padding: 26px 0 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid var(--line);
}
.brand {
  color: inherit;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 11px;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.brand-mark {
  width: 31px;
  height: 31px;
  display: grid;
  place-items: center;
  color: var(--paper);
  background: var(--forest);
  font-family: var(--serif);
  font-size: 19px;
  transform: rotate(-4deg);
}
.masthead-note {
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--ink-soft);
  font-size: 12px;
  font-weight: 650;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.masthead-actions { display: flex; align-items: center; gap: 24px; }
.share-link {
  min-height: 38px;
  padding: 0 13px;
  display: flex;
  align-items: center;
  gap: 7px;
  border: 1px solid var(--ink);
  background: transparent;
  cursor: pointer;
  font-size: 10px;
  font-weight: 750;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  transition: color 160ms ease, background 160ms ease, transform 160ms ease;
}
.share-link > span:first-child { font-family: var(--serif); font-size: 17px; line-height: 1; }
.share-link:hover, .share-link.copied { color: var(--paper); background: var(--forest); transform: translateY(-1px); }
.share-toast {
  position: fixed;
  right: 24px;
  top: 24px;
  z-index: 100;
  max-width: min(380px, calc(100% - 32px));
  padding: 14px 17px;
  color: var(--paper);
  background: var(--forest);
  box-shadow: 0 14px 40px rgba(22,38,31,0.24);
  font-size: 12px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-12px);
  transition: opacity 180ms ease, transform 180ms ease;
}
.share-toast.visible { opacity: 1; transform: none; }
.share-toast.error { background: #9f3d27; }
.share-manual {
  position: fixed;
  right: 24px;
  top: 78px;
  z-index: 99;
  width: min(440px, calc(100% - 32px));
  padding: 17px;
  border: 1px solid var(--ink);
  color: var(--ink);
  background: var(--white);
  box-shadow: 0 18px 55px rgba(22,38,31,0.2);
}
.share-manual[hidden] { display: none; }
.share-manual-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.share-manual-head strong { font-family: var(--serif); font-size: 18px; font-weight: 400; }
.share-manual-head button { width: 28px; height: 28px; padding: 0; border: 0; background: transparent; cursor: pointer; font-family: var(--serif); font-size: 22px; }
.share-manual p { margin: 7px 0 12px; color: var(--ink-soft); font-size: 11px; }
.share-manual input { width: 100%; padding: 10px; border: 1px solid var(--line); outline: 0; color: var(--ink); background: var(--paper); font-size: 11px; }
.share-manual input:focus { border-color: var(--signal); }
.status-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--signal);
  box-shadow: 0 0 0 4px rgba(230, 95, 56, 0.12);
}

main { overflow: hidden; }
.hero {
  width: min(1180px, calc(100% - 48px));
  min-height: 540px;
  margin: 0 auto;
  padding: 86px 0 70px;
  position: relative;
  animation: reveal 650ms ease-out both;
}
.hero::before {
  content: "";
  position: absolute;
  width: 460px;
  height: 460px;
  right: -85px;
  top: 40px;
  border: 1px solid rgba(23, 62, 49, 0.15);
  border-radius: 50%;
  box-shadow: inset 0 0 0 70px rgba(23, 62, 49, 0.025), inset 0 0 0 150px rgba(23, 62, 49, 0.02);
}
.eyebrow, .kicker {
  margin: 0 0 14px;
  color: var(--signal);
  font-size: 11px;
  font-weight: 750;
  letter-spacing: 0.17em;
  text-transform: uppercase;
}
.hero h1 {
  max-width: 820px;
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(64px, 8.2vw, 114px);
  font-weight: 400;
  line-height: 0.82;
  letter-spacing: -0.065em;
  position: relative;
  z-index: 1;
}
.hero h1 em { color: var(--signal); font-weight: 400; }
.hero-copy {
  width: min(480px, 72%);
  margin: 43px 0 0 20%;
  color: var(--ink-soft);
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.5;
  position: relative;
  z-index: 1;
}
.hero-stamp {
  position: absolute;
  right: 40px;
  bottom: 65px;
  width: 138px;
  height: 138px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid var(--signal);
  border-radius: 50%;
  color: var(--signal);
  transform: rotate(8deg);
}
.hero-stamp span { font-family: var(--serif); font-size: 44px; line-height: 1; }
.hero-stamp small { font-size: 9px; line-height: 1.25; letter-spacing: 0.08em; text-transform: uppercase; }

.loan-frame, .scenario-frame, .comparison-section, .method-section {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}
.scenario-frame {
  display: grid;
  grid-template-columns: 80px minmax(260px, 0.8fr) minmax(420px, 1.2fr);
  gap: 34px;
  padding: 58px 0 64px;
  border-bottom: 1px solid var(--line);
}
.scenario-copy h2 {
  max-width: 440px;
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(29px, 3.2vw, 43px);
  font-weight: 400;
  line-height: 1.04;
  letter-spacing: -0.04em;
}
.scenario-copy > p:last-child { max-width: 440px; margin: 17px 0 0; color: var(--ink-soft); font-size: 12px; }
.scenario-fields { align-self: end; display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.scenario-fields .field:last-child { grid-column: 1 / -1; }
.loan-frame {
  display: grid;
  grid-template-columns: 80px 1fr 1.2fr;
  align-items: end;
  gap: 34px;
  padding: 50px 0 58px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.section-number {
  align-self: start;
  color: var(--ink-soft);
  font-family: var(--serif);
  font-size: 13px;
  font-style: italic;
}
.section-number.light, .kicker.light { color: #b9cbbf; }
.section-heading h2, .section-intro h2, .method-section h2 {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 400;
  line-height: 1.02;
  letter-spacing: -0.04em;
}
.basis-fields { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 20px; }
.field { display: grid; gap: 8px; min-width: 0; }
.field > span:first-child {
  color: var(--ink-soft);
  font-size: 10px;
  font-weight: 720;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}
.input-shell {
  min-height: 54px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--ink);
  background: rgba(255,255,255,0.22);
  transition: background 160ms ease, border 160ms ease;
}
.input-shell:focus-within { background: rgba(255,255,255,0.7); border-color: var(--signal); }
.input-shell input {
  width: 100%;
  min-width: 0;
  padding: 10px 4px;
  border: 0;
  outline: 0;
  color: var(--ink);
  background: transparent;
  font-family: var(--serif);
  font-size: 27px;
  font-variant-numeric: tabular-nums;
}
.field-large .input-shell input { font-size: 38px; }
.input-shell b { padding: 0 8px; color: var(--ink-soft); font-size: 13px; font-weight: 650; white-space: nowrap; }

.comparison-section { padding: 100px 0 110px; }
.section-intro {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 42px;
}
.section-intro .section-number { margin-bottom: 34px; }
.button {
  min-height: 48px;
  padding: 0 20px;
  border: 1px solid var(--ink);
  background: transparent;
  cursor: pointer;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  transition: color 180ms ease, background 180ms ease, transform 180ms ease;
}
.button:hover { color: var(--paper); background: var(--ink); transform: translateY(-2px); }
.button span { margin-right: 5px; font-size: 18px; font-weight: 400; }
.offer-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.offer-card {
  min-width: 0;
  padding: 28px 30px 32px;
  border: 1px solid var(--line);
  background: rgba(255, 253, 247, 0.6);
  box-shadow: 0 1px 0 rgba(255,255,255,0.7) inset;
  animation: card-in 400ms ease-out both;
}
.offer-topline { display: flex; justify-content: space-between; align-items: center; }
.offer-index { color: var(--signal); font-size: 10px; font-weight: 750; letter-spacing: 0.13em; text-transform: uppercase; }
.icon-button {
  width: 34px;
  height: 34px;
  border: 0;
  background: transparent;
  color: var(--ink-soft);
  cursor: pointer;
  font-family: var(--serif);
  font-size: 25px;
}
.icon-button:hover { color: var(--signal); }
.icon-button:disabled { visibility: hidden; }
.bank-name-label { display: block; margin: 14px 0 32px; border-bottom: 1px solid var(--ink); }
.bank-name {
  width: 100%;
  padding: 6px 0 10px;
  border: 0;
  outline: 0;
  background: transparent;
  color: var(--ink);
  font-family: var(--serif);
  font-size: 34px;
  letter-spacing: -0.035em;
}
.phase-label {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 13px;
  color: var(--forest);
  font-size: 10px;
  font-weight: 750;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.phase-label span { width: 19px; height: 4px; background: var(--signal); }
.phase-label.variable { margin-top: 30px; }
.phase-label.variable span { background: var(--forest-bright); }
.phase-label.costs, .phase-label.household, .phase-label.special { margin-top: 30px; }
.phase-label.costs span { background: var(--gold); }
.phase-label.household span { background: var(--forest-bright); }
.phase-label.special span { background: var(--signal); }
.phase-label small { margin-left: auto; color: var(--ink-soft); font-size: 9px; font-weight: 650; letter-spacing: 0.06em; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.input-shell.compact { min-height: 44px; }
.input-shell.compact input { font-size: 22px; }
.rate-equation {
  margin: 21px 0 26px;
  padding: 12px 14px;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  background: rgba(23, 62, 49, 0.08);
  color: var(--ink-soft);
  font-size: 12px;
}
.rate-equation strong { color: var(--forest); font-variant-numeric: tabular-nums; }
.fee-field { margin-top: 8px; }
.check-line {
  margin-top: 13px;
  padding: 13px 14px;
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid var(--line);
  cursor: pointer;
}
.check-line input {
  width: 19px;
  height: 19px;
  margin: 0;
  accent-color: var(--forest);
}
.check-line > span { display: grid; gap: 2px; }
.check-line strong { font-size: 12px; }
.check-line small { color: var(--ink-soft); font-size: 10px; }
.special-repayment-list { display: grid; gap: 10px; }
.special-repayment-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 112px 30px;
  align-items: end;
  gap: 12px;
  padding: 13px 12px;
  border: 1px solid var(--line);
  background: rgba(230, 95, 56, 0.035);
}
.special-year-field select {
  width: 100%;
  height: 44px;
  padding: 0 8px;
  border: 0;
  border-bottom: 1px solid var(--ink);
  border-radius: 0;
  outline: 0;
  color: var(--ink);
  background: rgba(255,255,255,0.3);
  font-size: 12px;
}
.remove-special-repayment {
  width: 30px;
  height: 44px;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--ink-soft);
  cursor: pointer;
  font-family: var(--serif);
  font-size: 24px;
}
.remove-special-repayment:hover { color: var(--signal); }
.add-special-repayment {
  width: 100%;
  min-height: 42px;
  margin-top: 10px;
  border: 1px dashed rgba(22,38,31,0.35);
  background: transparent;
  color: var(--forest);
  cursor: pointer;
  font-size: 11px;
  font-weight: 700;
}
.add-special-repayment:hover { border-style: solid; background: rgba(23,62,49,0.07); }
.add-special-repayment:disabled { opacity: 0.45; cursor: not-allowed; }
.special-limit-note, .special-empty { margin: 8px 0 0; color: var(--ink-soft); font-size: 10px; }
.plan-special-maximum {
  width: 100%;
  min-height: 36px;
  margin: 10px 0;
  border: 0;
  border-left: 3px solid var(--gold);
  color: var(--forest);
  background: rgba(213,168,67,0.13);
  cursor: pointer;
  font-size: 10px;
  font-weight: 750;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.plan-special-maximum:hover { background: rgba(213,168,67,0.24); }
.plan-special-maximum:disabled { opacity: 0.42; cursor: not-allowed; }
.special-empty { padding: 13px; border: 1px dashed var(--line); text-align: center; }
.select-field { margin-top: 18px; }
.select-field select {
  width: 100%;
  min-height: 46px;
  padding: 0 35px 0 10px;
  border: 0;
  border-bottom: 1px solid var(--ink);
  border-radius: 0;
  outline: 0;
  color: var(--ink);
  background-color: rgba(255,255,255,0.22);
  font-size: 12px;
  cursor: pointer;
}
.select-field select:focus { border-color: var(--signal); background-color: rgba(255,255,255,0.7); }
.offer-error { min-height: 18px; margin: 12px 0 0; color: #a93920; font-size: 12px; }
.offer-error.warning { color: #7d5d0f; }

.results-section {
  padding: 100px max(24px, calc((100% - 1180px) / 2)) 110px;
  color: var(--paper);
  background: var(--forest);
  position: relative;
}
.results-section::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: 0.12;
  background-image: linear-gradient(rgba(255,255,255,.22) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.22) 1px, transparent 1px);
  background-size: 54px 54px;
  mask-image: linear-gradient(to bottom, black, transparent 75%);
}
.results-section > * { position: relative; z-index: 1; }
.results-heading { display: flex; align-items: end; justify-content: space-between; gap: 40px; margin-bottom: 44px; }
.results-heading h2 {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 400;
  line-height: 1;
  letter-spacing: -0.045em;
}
.results-heading > p { max-width: 360px; margin: 0; color: #b9cbbf; font-family: var(--serif); font-size: 16px; }
.decision-summary {
  margin: 0 0 18px;
  padding: 26px 28px;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(240px, 0.65fr);
  gap: 30px;
  border: 1px solid rgba(213,168,67,0.58);
  color: var(--ink);
  background: var(--gold);
}
.decision-summary:empty { display: none; }
.decision-summary .decision-kicker { margin: 0 0 8px; font-size: 9px; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; }
.decision-summary h3 { margin: 0; font-family: var(--serif); font-size: clamp(26px, 3vw, 38px); font-weight: 400; line-height: 1.05; letter-spacing: -0.035em; }
.decision-summary h3 strong { font-weight: 400; text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 5px; }
.decision-summary p { margin: 10px 0 0; font-size: 12px; }
.decision-meta { align-self: center; padding-left: 25px; border-left: 1px solid rgba(22,38,31,0.3); }
.decision-meta strong { display: block; font-family: var(--serif); font-size: 29px; font-weight: 400; }
.decision-meta span { display: block; margin-top: 5px; color: rgba(22,38,31,0.72); font-size: 10px; line-height: 1.4; }
.result-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.result-card {
  padding: 28px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(7, 29, 22, 0.35);
  backdrop-filter: blur(4px);
}
.result-card.best { border-color: var(--gold); box-shadow: inset 0 3px 0 var(--gold); }
.result-card .scenario-note { margin: 0 0 22px; padding: 10px 12px; border-left: 3px solid var(--series-color); color: #c9d6ce; background: rgba(255,255,255,0.06); font-size: 11px; }
.result-card-header { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 28px; }
.result-card h3 { margin: 0; font-family: var(--serif); font-size: 28px; font-weight: 400; }
.best-tag { color: var(--gold); font-size: 9px; font-weight: 750; letter-spacing: 0.13em; text-transform: uppercase; }
.result-primary { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 28px; }
.result-primary > div { padding-bottom: 17px; border-bottom: 1px solid rgba(255,255,255,0.16); }
.result-primary span, .result-detail dt { display: block; color: #a9bdb0; font-size: 9px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.result-primary strong { display: block; margin-top: 7px; font-family: var(--serif); font-size: 30px; font-weight: 400; font-variant-numeric: tabular-nums; }
.result-detail { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 14px; margin: 0; }
.result-detail div { min-width: 0; }
.result-detail dd { margin: 4px 0 0; color: var(--white); font-size: 15px; font-variant-numeric: tabular-nums; }
.total-ribbon { margin: 25px -28px -28px; padding: 18px 28px; display: flex; justify-content: space-between; align-items: baseline; background: var(--signal); }
.total-ribbon span { font-size: 10px; font-weight: 750; letter-spacing: 0.1em; text-transform: uppercase; }
.total-ribbon strong { font-family: var(--serif); font-size: 27px; font-weight: 400; font-variant-numeric: tabular-nums; }
.timeline-card {
  margin-top: 18px;
  padding: 32px 30px 24px;
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 30px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(7, 29, 22, 0.28);
}
.timeline-copy h3 { margin: 0 0 12px; font-family: var(--serif); font-size: 27px; font-weight: 400; line-height: 1.1; }
.timeline-copy > p:last-child { margin: 0; color: #a9bdb0; font-size: 13px; }
.chart { min-width: 0; }
.chart svg { width: 100%; height: auto; min-height: 240px; overflow: visible; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 16px; margin: 4px 0 0 58px; }
.chart-legend span { display: flex; align-items: center; gap: 7px; color: #c9d6ce; font-size: 11px; }
.chart-legend i { width: 18px; height: 3px; display: inline-block; }
.amortization-card {
  margin-top: 18px;
  padding: 34px 30px 26px;
  color: var(--ink);
  background: var(--paper);
  box-shadow: var(--shadow);
}
.amortization-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 27px;
}
.amortization-head h3 { margin: 0 0 8px; font-family: var(--serif); font-size: 29px; font-weight: 400; letter-spacing: -0.025em; }
.amortization-head p:last-child { margin: 0; color: var(--ink-soft); font-size: 12px; }
.plan-offer-field { min-width: 220px; display: grid; gap: 7px; }
.plan-offer-field span { color: var(--ink-soft); font-size: 9px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.plan-offer-field select {
  min-height: 43px;
  padding: 0 34px 0 11px;
  border: 1px solid var(--ink);
  border-radius: 0;
  color: var(--ink);
  background: var(--white);
  font-size: 12px;
}
.amortization-table-wrap {
  max-height: 610px;
  overflow: auto;
  border: 1px solid var(--line);
  scrollbar-color: var(--forest-bright) var(--paper-deep);
}
.amortization-table { width: 100%; min-width: 720px; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.amortization-table th {
  position: sticky;
  top: 0;
  z-index: 2;
  padding: 12px 14px;
  border-right: 1px solid rgba(255,255,255,0.18);
  color: var(--paper);
  background: var(--forest);
  font-size: 9px;
  font-weight: 750;
  letter-spacing: 0.09em;
  text-align: right;
  text-transform: uppercase;
}
.amortization-table th:first-child { text-align: left; }
.amortization-table td {
  padding: 9px 14px;
  border-right: 1px solid rgba(22,38,31,0.08);
  border-bottom: 1px solid rgba(22,38,31,0.08);
  background: rgba(255,255,255,0.34);
  font-size: 12px;
  text-align: right;
}
.amortization-table td:first-child { color: var(--ink-soft); text-align: left; }
.amortization-table th:first-child,
.amortization-table td:first-child {
  position: sticky;
  left: 0;
}
.amortization-table th:first-child { z-index: 3; background: var(--forest); }
.amortization-table td:first-child { z-index: 1; background: var(--paper); }
.amortization-table tr:nth-child(even):not(.annual-row) td:first-child { background: #e7e4dc; }
.amortization-table .special-payment-row td:first-child { background: #ede0bd !important; }
.amortization-table .annual-row td:first-child { background: var(--forest-bright); }
.amortization-table tr:nth-child(even):not(.annual-row) td { background: rgba(22,38,31,0.045); }
.amortization-table .opening-row td { color: var(--ink-soft); font-style: italic; }
.amortization-table .special-payment-row td { background: rgba(213,168,67,0.2) !important; font-weight: 700; }
.amortization-table .special-payment-row td:first-child { box-shadow: inset 4px 0 0 var(--gold); color: var(--ink); }
.amortization-table .annual-row td {
  padding-top: 11px;
  padding-bottom: 11px;
  color: var(--paper);
  background: var(--forest-bright);
  font-weight: 700;
}
.amortization-table .annual-row td:first-child { color: var(--paper); font-family: var(--serif); font-size: 14px; }
.table-note { margin: 12px 0 0; color: var(--ink-soft); font-size: 10px; }

.method-section { padding: 105px 0 90px; display: grid; grid-template-columns: 80px 1fr; column-gap: 34px; }
.method-grid { grid-column: 2; display: grid; grid-template-columns: repeat(3, 1fr); gap: 38px 24px; margin-top: 55px; }
.method-grid article { padding-top: 18px; border-top: 1px solid var(--ink); }
.method-grid article > span { color: var(--signal); font-family: var(--serif); font-size: 13px; font-style: italic; }
.method-grid h3 { margin: 25px 0 10px; font-family: var(--serif); font-size: 21px; font-weight: 400; line-height: 1.1; }
.method-grid p { margin: 0; color: var(--ink-soft); font-size: 13px; }
.method-warning { grid-column: 2; margin-top: 48px; padding: 17px 20px; border-left: 4px solid var(--gold); background: rgba(213,168,67,0.14); color: var(--ink-soft); font-size: 13px; }
.method-warning strong { color: var(--ink); }

footer {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  padding: 28px 0 40px;
  display: flex;
  justify-content: space-between;
  border-top: 1px solid var(--line);
  color: var(--ink-soft);
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

@keyframes reveal { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
@keyframes card-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; animation-duration: 0.01ms !important; } }

@media (max-width: 900px) {
  .hero { min-height: 500px; }
  .hero-stamp { right: 0; }
  .loan-frame { grid-template-columns: 50px 1fr; }
  .basis-fields { grid-column: 2; }
  .scenario-frame { grid-template-columns: 50px 1fr; }
  .scenario-fields { grid-column: 2; }
  .offer-grid, .result-cards { grid-template-columns: 1fr; }
  .timeline-card { grid-template-columns: 1fr; }
  .amortization-head { align-items: start; flex-direction: column; }
  .plan-offer-field { width: 100%; }
  .method-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 620px) {
  .masthead, .hero, .loan-frame, .scenario-frame, .comparison-section, .method-section, footer { width: min(100% - 28px, 1180px); }
  .masthead-note { display: none; }
  .masthead-actions { gap: 0; }
  .share-link { min-height: 34px; padding: 0 10px; }
  .share-link-label { display: none; }
  .share-toast { right: 16px; top: 16px; }
  .share-manual { right: 16px; top: 64px; }
  .hero { min-height: 480px; padding-top: 68px; }
  .hero::before { width: 300px; height: 300px; right: -130px; }
  .hero h1 { font-size: clamp(54px, 17vw, 78px); }
  .hero-copy { width: 88%; margin: 38px 0 0; font-size: 17px; }
  .hero-stamp { width: 105px; height: 105px; bottom: 30px; }
  .hero-stamp span { font-size: 34px; }
  .loan-frame { grid-template-columns: 1fr; gap: 18px; }
  .loan-frame .section-number, .basis-fields { grid-column: 1; }
  .basis-fields { grid-template-columns: 1fr; }
  .scenario-frame { grid-template-columns: 1fr; gap: 18px; }
  .scenario-fields { grid-column: 1; grid-template-columns: 1fr; }
  .scenario-fields .field:last-child { grid-column: 1; }
  .section-intro, .results-heading { align-items: start; flex-direction: column; }
  .comparison-section { padding: 75px 0; }
  .offer-card { padding: 23px 20px 26px; }
  .field-row { gap: 12px; }
  .results-section { padding: 75px 14px; }
  .decision-summary { grid-template-columns: 1fr; padding: 22px 19px; }
  .decision-meta { padding: 18px 0 0; border-top: 1px solid rgba(22,38,31,0.3); border-left: 0; }
  .result-card { padding: 23px 19px; }
  .total-ribbon { margin: 24px -19px -23px; padding: 17px 19px; }
  .timeline-card { padding: 24px 18px; overflow: hidden; }
  .chart { overflow-x: auto; }
  .chart svg { width: 620px; }
  .amortization-card { padding: 24px 14px 18px; }
  .amortization-table-wrap { max-height: 520px; }
  .special-repayment-row { grid-template-columns: minmax(0, 1fr) 100px 26px; gap: 8px; padding: 10px 8px; }
  .method-section { grid-template-columns: 1fr; }
  .method-section > *, .method-grid, .method-warning { grid-column: 1; }
  .method-grid { grid-template-columns: 1fr; }
  footer { gap: 20px; }
}