/* ============================================================
   mortgage-calc — Print Editorial direction
   Inspired by NYT / The Economist / editorial restraint.
   Spectral serif (self-hosted woff2) + system sans for UI.
   Mobile-first. Zero external runtime fetches.
   ============================================================ */

/* Self-hosted Spectral (latin subset only). All other text uses system sans. */
@font-face{font-family:'Spectral';font-style:italic;font-weight:400;font-display:swap;src:url('./lib/fonts/spectral-400i.woff2') format('woff2');}
@font-face{font-family:'Spectral';font-style:normal;font-weight:400;font-display:swap;src:url('./lib/fonts/spectral-400.woff2') format('woff2');}
@font-face{font-family:'Spectral';font-style:normal;font-weight:500;font-display:swap;src:url('./lib/fonts/spectral-500.woff2') format('woff2');}
@font-face{font-family:'Spectral';font-style:normal;font-weight:600;font-display:swap;src:url('./lib/fonts/spectral-600.woff2') format('woff2');}
@font-face{font-family:'Spectral';font-style:normal;font-weight:700;font-display:swap;src:url('./lib/fonts/spectral-700.woff2') format('woff2');}

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

:root {
  /* === Palette — paper, ink, accent rouge éditorial === */
  --c-paper:        #f5efe1;   /* ivoire principal */
  --c-paper-2:      #ede6d4;   /* ivoire alterné */
  --c-paper-3:      #fdfaf1;   /* surface card */
  --c-ink:          #1a1814;   /* encre */
  --c-ink-2:        #2c2820;
  --c-mute:         #5b5550;   /* gris chaud */
  --c-mute-2:       #8b8478;
  --c-line:         #d8cfb8;
  --c-line-2:       #c0b698;
  --c-line-soft:    #e8dfc7;

  --c-accent:       #8b1a1a;   /* rouge éditorial NYT */
  --c-accent-2:     #6e1313;
  --c-accent-soft:  #f9e8e2;

  --c-positive:     #1f5f3f;   /* vert sourd */
  --c-positive-soft:#dde8db;

  --c-warn:         #8a5a18;
  --c-info:         #1a3a5a;

  /* === Type === */
  --font-serif: 'Spectral', 'Iowan Old Style', 'Charter', 'Georgia', 'Times New Roman', serif;
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, "Helvetica Neue", Arial, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, "SF Mono", Menlo, Consolas, monospace;

  /* === Spacing scale === */
  --s-1: 0.25rem;
  --s-2: 0.5rem;
  --s-3: 0.75rem;
  --s-4: 1rem;
  --s-5: 1.5rem;
  --s-6: 2rem;
  --s-7: 3rem;
  --s-8: 4rem;

  /* === Radii === */
  --r-sm: 2px;
  --r-md: 4px;
  --r-lg: 6px;

  --shadow-sm: 0 1px 2px rgba(26, 24, 20, .06);
  --shadow-md: 0 6px 24px -8px rgba(26, 24, 20, .12), 0 2px 4px rgba(26, 24, 20, .04);

  --container: 1180px;
  --container-narrow: 760px;
}

/* === Base === */
html { font-size: 16px; }

html { background: var(--c-paper); }
body {
  margin: 0;
  font-family: var(--font-sans);
  background: var(--c-paper) !important;
  color: var(--c-ink);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--c-accent); text-decoration: none; transition: color .15s; }
a:hover { color: var(--c-accent-2); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; }

img, svg { display: block; max-width: 100%; }
button { font: inherit; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }

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

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

/* === Skip to content (WCAG 2.4.1) === */
.skip-link {
  position: absolute;
  top: -100px;
  left: var(--s-3);
  background: var(--c-ink);
  color: var(--c-paper);
  padding: var(--s-3) var(--s-4);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--r-sm);
  z-index: 100;
  transition: top .15s ease;
}
.skip-link:focus {
  top: var(--s-3);
  color: var(--c-paper);
  text-decoration: none;
  outline: 2px solid var(--c-accent);
  outline-offset: 2px;
}

/* === Header === */
.site-header {
  background: var(--c-paper);
  border-bottom: 3px double var(--c-ink);
  position: sticky; top: 0; z-index: 50;
}
.site-header .inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: var(--s-3) var(--s-5);
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--s-5);
}
.brand {
  display: flex; align-items: center; gap: var(--s-2);
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.4rem;
  letter-spacing: -0.01em;
  color: var(--c-ink);
  text-decoration: none;
}
.brand:hover { color: var(--c-ink); text-decoration: none; }
.brand-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px;
  background: var(--c-ink);
  color: var(--c-paper);
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 600;
  font-size: 1.2rem;
  border-radius: 1px;
}
.primary-nav {
  display: flex; gap: var(--s-5);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.primary-nav a {
  color: var(--c-ink);
  font-weight: 500;
  position: relative;
  padding: var(--s-2) 0;
}
.primary-nav a:hover { color: var(--c-accent); text-decoration: none; }
.primary-nav a[aria-current="page"] {
  color: var(--c-accent);
}
.primary-nav a[aria-current="page"]::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px;
  background: var(--c-accent);
}
.nav-toggle {
  display: none;
  align-items: center; gap: var(--s-2);
  background: transparent;
  border: 1px solid var(--c-ink);
  padding: var(--s-2) var(--s-3);
  font-size: 0.72rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--c-ink);
  border-radius: var(--r-sm);
}
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--c-paper);
  border-top: 1px solid var(--c-line);
  padding: var(--s-3) var(--s-5);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: var(--s-3) 0;
  border-bottom: 1px dotted var(--c-line);
  color: var(--c-ink);
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.mobile-nav a:last-child { border-bottom: none; }

/* === Layout shell === */
.shell {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--s-5);
}

/* === Hero === */
.hero {
  padding: var(--s-7) 0 var(--s-5);
  border-bottom: 1px solid var(--c-line);
  margin-bottom: var(--s-6);
}
.eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--c-accent);
  font-weight: 600;
  margin-bottom: var(--s-3);
}
.hero h1 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(2rem, 5vw, 3.5rem);
  line-height: 1.04;
  letter-spacing: -0.02em;
  margin: 0 0 var(--s-3);
  color: var(--c-ink);
  max-width: 22ch;
  text-wrap: balance;
}
.hero h1 em {
  font-style: italic;
  font-weight: 400;
  color: var(--c-accent);
}
.lede {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  line-height: 1.5;
  color: var(--c-mute);
  max-width: 56ch;
  margin: 0;
}

/* === Calculator grid === */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--s-5);
  margin-bottom: var(--s-6);
}
@media (min-width: 960px) {
  .calc-grid {
    grid-template-columns: 1.15fr 1fr;
    gap: var(--s-6);
  }
}

/* === Cards === */
.card {
  background: var(--c-paper-3);
  border: 1px solid var(--c-line);
  padding: var(--s-5) var(--s-5) var(--s-5);
  border-radius: var(--r-sm);
}
.card-h {
  display: flex; align-items: baseline; gap: var(--s-2);
  font-size: 0.72rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--c-mute);
  margin: 0 0 var(--s-4);
  padding-bottom: var(--s-3);
  border-bottom: 1px solid var(--c-line);
}
.card-h .step {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 600;
  font-size: 1.4rem;
  color: var(--c-accent);
  letter-spacing: 0;
  text-transform: none;
  line-height: 1;
}

/* === Country pills === */
.country-pills {
  display: flex; gap: 0;
  margin-bottom: var(--s-4);
  border: 1px solid var(--c-ink);
  border-radius: var(--r-sm);
  overflow: hidden;
}
.country-chip {
  flex: 1;
  display: flex; align-items: center; justify-content: center;
  gap: var(--s-2);
  padding: var(--s-3) var(--s-3);
  background: var(--c-paper-3);
  border: none;
  border-right: 1px solid var(--c-ink);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--c-ink);
  transition: background .15s, color .15s;
}
.country-chip:last-child { border-right: none; }
.country-chip .flag {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
}
.country-chip .label-full { display: none; }
@media (min-width: 480px) {
  .country-chip .label-full { display: inline; font-size: 0.7rem; opacity: 0.7; letter-spacing: 0.1em;}
}
.country-chip:hover { background: var(--c-paper-2); }
.country-chip[aria-pressed="true"] {
  background: var(--c-ink);
  color: var(--c-paper);
}

/* === Form === */
.form-grid { display: flex; flex-direction: column; gap: var(--s-3); }
.field-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-3);
}
.field { display: flex; flex-direction: column; gap: var(--s-2); }
.field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--c-mute);
  font-weight: 500;
}
.field label .hint {
  font-size: 0.7rem;
  text-transform: none;
  letter-spacing: 0;
  color: var(--c-mute-2);
  font-style: italic;
  font-family: var(--font-serif);
}
.input-wrap {
  display: flex; align-items: center;
  background: var(--c-paper);
  border: 1px solid var(--c-line-2);
  border-radius: var(--r-sm);
  padding: 0 var(--s-3);
  transition: border-color .15s, background .15s;
}
.input-wrap:focus-within {
  border-color: var(--c-ink);
  background: var(--c-paper-3);
  box-shadow: 0 0 0 3px rgba(139, 26, 26, 0.12);
}
.input-wrap.is-invalid {
  border-color: var(--c-accent);
  background: var(--c-accent-soft);
}
.input-wrap.is-invalid:focus-within {
  border-color: var(--c-accent);
  box-shadow: 0 0 0 3px rgba(139, 26, 26, 0.18);
}
.field .err-msg {
  display: none;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 0.85rem;
  color: var(--c-accent);
  margin-top: var(--s-1);
}
.field.is-invalid .err-msg { display: block; }
.input-wrap input,
.input-wrap select {
  flex: 1;
  width: 100%;
  background: transparent;
  border: none;
  outline: none;
  padding: var(--s-3) 0;
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 1.05rem;
  color: var(--c-ink);
  appearance: none;
}
.input-wrap input[type="number"]::-webkit-inner-spin-button,
.input-wrap input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none; margin: 0;
}
.input-wrap select {
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%231a1814' d='M0 0l5 6 5-6z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0 center;
  padding-right: 1.2rem;
}
.input-wrap .suffix {
  font-size: 0.78rem;
  color: var(--c-mute);
  letter-spacing: 0.04em;
  margin-left: var(--s-2);
  font-family: var(--font-sans);
  white-space: nowrap;
}

/* === Disclosure (advanced fields) === */
.disclosure {
  margin-top: var(--s-3);
  border-top: 1px solid var(--c-line);
  padding-top: var(--s-3);
}
.disclosure summary {
  cursor: pointer;
  list-style: none;
  display: flex; align-items: center; justify-content: space-between;
  font-size: 0.7rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--c-mute);
  padding: var(--s-2) 0;
  font-weight: 500;
}
.disclosure summary::-webkit-details-marker { display: none; }
.disclosure summary::after {
  content: "+";
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 1.4rem;
  color: var(--c-accent);
  line-height: 1;
  transition: transform .2s;
}
.disclosure[open] summary::after { content: "−"; }
.disclosure summary:hover { color: var(--c-ink); }
.disclosure-body {
  display: flex; flex-direction: column; gap: var(--s-3);
  padding-top: var(--s-3);
}
.disclosure-body small.note,
.note {
  display: block;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 0.85rem;
  color: var(--c-mute);
  line-height: 1.4;
  padding-top: var(--s-2);
}
.note a { color: var(--c-accent); text-decoration: underline; text-underline-offset: 2px; }

.disclaimer {
  display: flex; gap: var(--s-2); align-items: flex-start;
  margin: var(--s-4) 0 0;
  padding: var(--s-3);
  background: var(--c-paper-2);
  border-left: 2px solid var(--c-mute-2);
  font-size: 0.82rem;
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--c-mute);
  line-height: 1.45;
}
.disclaimer svg { flex-shrink: 0; margin-top: 3px; color: var(--c-mute); }

/* === Result card === */
.result-card {
  background: var(--c-ink);
  color: var(--c-paper);
  border: none;
  padding: var(--s-6) var(--s-5);
  position: relative;
}
.result-card.is-sticky { position: sticky; top: var(--s-7); }
@media (max-width: 959px) {
  .result-card.is-sticky { position: static; }
}
.result-eyebrow {
  font-size: 0.7rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--c-line);
  margin: 0 0 var(--s-2);
  font-weight: 500;
  opacity: 0.7;
}
.result-monthly {
  display: flex; align-items: baseline; gap: var(--s-2);
  margin-bottom: var(--s-4);
  padding-bottom: var(--s-4);
  border-bottom: 1px solid #3a342a;
}
.result-monthly .value {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(3rem, 9vw, 4.5rem);
  line-height: 0.95;
  letter-spacing: -0.035em;
  color: var(--c-paper);
  transition: opacity .14s;
}
.result-monthly .value.is-updating { opacity: 0.4; }
.result-monthly .per {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1rem;
  color: var(--c-line);
  opacity: 0.7;
}
.result-stats {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: var(--s-4);
  margin-bottom: var(--s-4);
}
.result-stats .stat .lbl {
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--c-line);
  opacity: 0.6;
  margin-bottom: var(--s-1);
}
.result-stats .stat .val {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 1.3rem;
  letter-spacing: -0.01em;
}
.result-stats .stat.interest .val { color: #e8a87c; }

.breakdown {
  list-style: none;
  margin: 0;
  padding: var(--s-3) 0 var(--s-2);
  border-top: 1px dashed #3a342a;
}
.breakdown li {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: var(--s-2) 0;
  font-size: 0.88rem;
  color: var(--c-line);
  border-bottom: 1px dotted #3a342a;
}
.breakdown li:last-child {
  border-bottom: none;
  margin-top: var(--s-2);
  padding-top: var(--s-3);
  border-top: 1px solid #3a342a;
  font-weight: 600;
  color: var(--c-paper);
  font-family: var(--font-serif);
  font-size: 1rem;
}
.breakdown .label-text { display: flex; align-items: center; gap: var(--s-2); }
.breakdown .swatch {
  display: inline-block;
  width: 8px; height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.breakdown .upfront-row {
  font-style: italic;
  font-family: var(--font-serif);
  color: var(--c-mute-2);
}

.actions {
  display: flex; gap: var(--s-2);
  margin-top: var(--s-4);
  flex-wrap: wrap;
}
.btn {
  display: inline-flex; align-items: center; gap: var(--s-2);
  padding: var(--s-3) var(--s-4);
  background: transparent;
  border: 1px solid var(--c-line);
  color: var(--c-paper);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 500;
  border-radius: var(--r-sm);
  transition: background .15s, color .15s, border-color .15s;
}
.btn:hover { background: var(--c-paper); color: var(--c-ink); border-color: var(--c-paper); }
.btn.primary { background: var(--c-accent); border-color: var(--c-accent); color: var(--c-paper); }
.btn.primary:hover { background: var(--c-accent-2); border-color: var(--c-accent-2); color: var(--c-paper); }
.btn.ghost { background: transparent; border-color: transparent; color: var(--c-line); }
.btn.ghost:hover { background: rgba(255,255,255,0.06); border-color: transparent; color: var(--c-paper); }
.btn .icon { width: 14px; height: 14px; }

.scenarios { margin-top: var(--s-5); padding-top: var(--s-4); border-top: 1px solid #3a342a; }
.scenarios h3 { font-family: var(--font-serif); font-size: 1rem; font-weight: 500; margin: 0 0 var(--s-3); color: var(--c-paper); }
.scenario-card {
  display: flex; justify-content: space-between; align-items: center;
  padding: var(--s-3) 0;
  border-bottom: 1px dotted #3a342a;
  font-size: 0.85rem;
  gap: var(--s-3);
}
.scenario-card .meta { font-size: 0.78rem; color: var(--c-mute-2); margin-top: 2px; }
.actions-mini { display: flex; gap: var(--s-2); }
.actions-mini button {
  background: transparent; border: 1px solid var(--c-line);
  color: var(--c-line); padding: 4px 10px;
  font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase;
  border-radius: var(--r-sm);
}
.actions-mini button:hover { background: var(--c-line); color: var(--c-ink); }

/* === Ad shell === */
.ad-shell {
  margin: var(--s-6) 0;
  padding: var(--s-3) 0;
  border-top: 1px solid var(--c-line);
  border-bottom: 1px solid var(--c-line);
  text-align: center;
  position: relative;
  min-height: 110px;
  display: flex; align-items: center; justify-content: center;
}
.ad-shell::before {
  content: "Advertisement";
  position: absolute; top: -8px; left: 50%; transform: translateX(-50%);
  background: var(--c-paper);
  padding: 0 var(--s-3);
  font-size: 0.62rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--c-mute-2);
  font-style: italic;
  font-family: var(--font-serif);
}
.ad-shell ins { display: block; width: 100%; }
.ad-leader { min-height: 110px; }
.ad-rect { min-height: 260px; }

/* === Charts === */
.charts-grid {
  display: grid; grid-template-columns: 1fr; gap: var(--s-5);
  margin: var(--s-6) 0;
}
@media (min-width: 760px) {
  .charts-grid { grid-template-columns: 1fr 1fr; }
}
.chart-card {
  background: var(--c-paper-3);
  border: 1px solid var(--c-line);
  padding: var(--s-5);
}
.chart-card h3 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 1.2rem;
  letter-spacing: -0.01em;
  margin: 0 0 var(--s-1);
  color: var(--c-ink);
}
.chart-card .sub {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 0.9rem;
  color: var(--c-mute);
  margin: 0 0 var(--s-4);
}
.chart-canvas-wrap {
  position: relative;
  height: 280px;
}
.chart-skel {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, var(--c-paper-2) 0%, var(--c-paper) 50%, var(--c-paper-2) 100%);
  background-size: 200% 100%;
  animation: shimmer 1.4s infinite;
  border-radius: var(--r-sm);
}
.chart-skel.is-hidden { display: none; }
@keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

/* === Amortization table === */
.amort-section { margin: var(--s-7) 0; }
.amort-head {
  display: flex; justify-content: space-between; align-items: flex-end;
  flex-wrap: wrap; gap: var(--s-3);
  margin-bottom: var(--s-4);
  padding-bottom: var(--s-3);
  border-bottom: 3px double var(--c-ink);
}
.amort-head h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  letter-spacing: -0.02em;
  margin: 0 0 var(--s-1);
  color: var(--c-ink);
}
.amort-head p {
  margin: 0;
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--c-mute);
  font-size: 0.95rem;
}
.segmented {
  display: inline-flex;
  border: 1px solid var(--c-ink);
  border-radius: var(--r-sm);
  overflow: hidden;
}
.segmented button {
  background: var(--c-paper);
  border: none;
  border-right: 1px solid var(--c-ink);
  padding: var(--s-2) var(--s-4);
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--c-ink);
}
.segmented button:last-child { border-right: none; }
.segmented button[aria-pressed="true"] {
  background: var(--c-ink);
  color: var(--c-paper);
}

.amort-table-wrap { overflow-x: auto; border: 1px solid var(--c-line); }
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--font-mono);
  font-size: 0.84rem;
}
.amort-table thead th {
  background: var(--c-paper-2);
  padding: var(--s-3) var(--s-3);
  text-align: right;
  font-family: var(--font-sans);
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--c-mute);
  border-bottom: 2px solid var(--c-ink);
}
.amort-table thead th:first-child { text-align: left; }
.amort-table tbody td {
  padding: var(--s-2) var(--s-3);
  text-align: right;
  border-bottom: 1px dotted var(--c-line);
  color: var(--c-ink-2);
}
.amort-table tbody td:first-child { text-align: left; font-family: var(--font-serif); font-weight: 500; color: var(--c-ink); }
.amort-table tbody tr:hover td { background: var(--c-paper-2); }
.amort-table tbody tr.year-end td { border-bottom: 1px solid var(--c-line-2); }

/* === Prose / about / FAQ === */
.prose, .faq {
  margin: var(--s-7) 0;
  max-width: 68ch;
}
.prose h2, .faq h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(1.6rem, 3.2vw, 2.4rem);
  letter-spacing: -0.02em;
  margin: 0 0 var(--s-4);
  padding-bottom: var(--s-2);
  border-bottom: 1px solid var(--c-line);
  color: var(--c-ink);
}
.prose p, .prose li {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--c-ink-2);
  margin: 0 0 var(--s-3);
}
.prose ul { padding-left: 1.2rem; }
.prose strong { font-weight: 600; color: var(--c-ink); }

.faq details {
  border-bottom: 1px solid var(--c-line);
  padding: var(--s-4) 0;
}
.faq details:first-of-type { border-top: 1px solid var(--c-line); }
.faq summary {
  cursor: pointer;
  list-style: none;
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 1.15rem;
  letter-spacing: -0.01em;
  color: var(--c-ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 1.6rem;
  color: var(--c-accent);
  line-height: 1;
}
.faq details[open] summary::after { content: "−"; }
.faq summary:hover { color: var(--c-accent); }
.faq .answer {
  margin-top: var(--s-3);
  padding-left: var(--s-3);
  border-left: 2px solid var(--c-line);
}
.faq .answer p {
  font-family: var(--font-serif);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--c-mute);
  margin: 0;
}
.faq code {
  font-family: var(--font-mono);
  background: var(--c-paper-2);
  padding: 1px 5px;
  font-size: 0.9em;
  border-radius: 2px;
}

/* === Mobile sticky CTA === */
.mobile-cta {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--c-ink);
  color: var(--c-paper);
  padding: var(--s-3) var(--s-4);
  z-index: 40;
  align-items: center; justify-content: space-between;
  gap: var(--s-3);
  box-shadow: 0 -4px 20px rgba(0,0,0,0.15);
}
.mobile-cta .price { display: flex; flex-direction: column; gap: 2px; }
.mobile-cta .price .lbl { font-size: 0.62rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--c-line); opacity: 0.7; }
.mobile-cta .price .val { font-family: var(--font-serif); font-weight: 500; font-size: 1.4rem; line-height: 1; }
.mobile-cta .btn { flex-shrink: 0; }
@media (max-width: 759px) {
  .mobile-cta { display: flex; }
  body { padding-bottom: 80px; }
}

/* === Article / static page layout === */
.shell-narrow {
  max-width: 760px;
  margin: 0 auto;
  padding: var(--s-7) var(--s-5) var(--s-6);
}
.article-hero { margin-bottom: var(--s-6); }
.breadcrumb {
  font-family: var(--font-sans);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--c-mute);
  margin: 0 0 var(--s-4);
}
.breadcrumb a { color: var(--c-mute); text-decoration: none; }
.breadcrumb a:hover { color: var(--c-accent); }
.article-prose h1 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  line-height: 1.05;
  letter-spacing: -0.025em;
  margin: 0 0 var(--s-5);
  color: var(--c-ink);
  text-wrap: balance;
}
.article-prose h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  letter-spacing: -0.015em;
  margin: var(--s-7) 0 var(--s-3);
  color: var(--c-ink);
  text-wrap: balance;
}
.article-prose h3 {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 1.35rem;
  letter-spacing: -0.01em;
  margin: var(--s-6) 0 var(--s-3);
  color: var(--c-ink);
}
.article-prose h4 {
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin: var(--s-5) 0 var(--s-2);
  color: var(--c-ink);
}
.article-prose p {
  font-family: var(--font-serif);
  font-size: 1.075rem;
  line-height: 1.7;
  color: var(--c-ink-2);
  margin: 0 0 var(--s-4);
  text-wrap: pretty;
}
.article-prose p:first-of-type::first-letter,
.article-prose > p.lede::first-letter {
  /* subtle drop cap on first paragraph after hero */
}
.article-prose ul, .article-prose ol {
  font-family: var(--font-serif);
  font-size: 1.075rem;
  line-height: 1.7;
  color: var(--c-ink-2);
  padding-left: var(--s-5);
  margin: 0 0 var(--s-4);
}
.article-prose li { margin-bottom: var(--s-2); }
.article-prose li::marker { color: var(--c-mute); }
.article-prose strong { color: var(--c-ink); font-weight: 600; }
.article-prose em { font-style: italic; }
.article-prose code {
  font-family: var(--font-mono, ui-monospace, "SF Mono", Menlo, monospace);
  font-size: 0.92em;
  background: var(--c-paper-2);
  padding: 0.1em 0.4em;
  border-radius: 3px;
  color: var(--c-ink);
}
.article-prose blockquote {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.2rem;
  line-height: 1.55;
  color: var(--c-ink);
  border-left: 3px solid var(--c-accent);
  padding: var(--s-1) 0 var(--s-1) var(--s-4);
  margin: var(--s-5) 0;
}
.article-prose table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--s-5) 0;
  font-family: var(--font-sans);
  font-size: 0.95rem;
}
.article-prose th, .article-prose td {
  padding: var(--s-2) var(--s-3);
  text-align: left;
  border-bottom: 1px solid var(--c-line);
}
.article-prose th {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-mute);
  background: var(--c-paper-2);
  font-weight: 600;
}
.article-prose a {
  color: var(--c-accent);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}
.article-prose a:hover { color: var(--c-ink); }
.article-prose hr {
  border: none;
  border-top: 1px solid var(--c-line);
  margin: var(--s-6) 0;
}

/* Inline ad blocks inside articles */
.article-prose .ad-shell { margin: var(--s-6) 0; }

/* === Footer === */
.site-footer {
  margin-top: var(--s-7);
  padding: var(--s-6) 0 var(--s-7);
  background: var(--c-paper-2);
  border-top: 3px double var(--c-ink);
}
.footer-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--s-5);
  text-align: center;
}
.footer-inner nav {
  display: flex; gap: var(--s-5);
  justify-content: center; flex-wrap: wrap;
  margin-bottom: var(--s-3);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.footer-inner nav a { color: var(--c-ink); }
.footer-inner p {
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--c-mute);
  font-size: 0.95rem;
  margin: var(--s-1) 0;
}
.footer-inner p.small { font-size: 0.8rem; color: var(--c-mute-2); }

/* === Responsive: nav collapse === */
@media (max-width: 880px) {
  .primary-nav { display: none; }
  .nav-toggle { display: inline-flex; }
}

/* === Print === */
@media print {
  body { background: white; color: black; padding: 0; }
  .site-header, .site-footer, .mobile-cta, .ad-shell, .nav-toggle, .actions, .segmented, .scenarios, .disclaimer { display: none !important; }
  .calc-grid { display: block; }
  .result-card { background: white; color: black; border: 2px solid black; }
  .result-monthly .value, .result-stats .stat .val, .breakdown li:last-child { color: black !important; }
  .breakdown li { color: black; border-color: #999; }
  .charts-grid { page-break-before: always; }
  .amort-table { font-size: 0.7rem; }
  .amort-table thead { display: table-header-group; }
  .amort-section { page-break-before: always; }
  a { color: black; text-decoration: none; }
  .hero h1 { font-size: 2rem; }
}

/* === Focus visible (WCAG) === */
*:focus-visible {
  outline: 2px solid var(--c-accent);
  outline-offset: 2px;
}
.country-chip:focus-visible,
.btn:focus-visible,
.segmented button:focus-visible {
  outline-offset: 3px;
}

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

/* Share icons inline with action buttons in the results card */
.share-sep {
  display: inline-block;
  width: 1px;
  height: 1.4rem;
  background: var(--c-line);
  opacity: 0.35;
  margin: 0 var(--s-2);
  align-self: center;
}
.share-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: transparent;
  border: 1px solid var(--c-line);
  color: var(--c-paper);
  text-decoration: none;
  cursor: pointer;
  transition: background .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
}
.share-icon:hover { color: #fff; transform: translateY(-1px); text-decoration: none; }
.share-icon.share-x:hover { background: #000; }
.share-icon.share-fb:hover { background: #1877f2; }
.share-icon.share-li:hover { background: #0a66c2; }
.share-icon.share-wa:hover { background: #25d366; }
.share-icon.share-em:hover { background: #475569; }

/* Don't print share icons */
@media print { .share-results { display: none; } }