* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: Arial, Helvetica, sans-serif;
    background: #f7f8fa;
    color: #1f2937;
    line-height: 1.6;
}

.container {
    width: 92%;
    max-width: 1100px;
    margin: 0 auto;
}

.site-header {
    background: #ffffff;
    border-bottom: 1px solid #e5e7eb;
}

.header-inner {
    min-height: 70px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 30px;
}

.logo {
    font-size: 28px;
    font-weight: 700;
    text-decoration: none;
    color: #111827;
}

.main-nav {
    display: flex;
    gap: 22px;
}

.main-nav a {
    text-decoration: none;
    color: #4b5563;
    font-size: 15px;
}

.main-nav a:hover {
    color: #111827;
}

.hero {
    background: #ffffff;
    padding: 70px 0 55px;
    text-align: center;
    border-bottom: 1px solid #e5e7eb;
}

.hero h1 {
    font-size: 42px;
    margin-bottom: 12px;
}

.hero p {
    color: #6b7280;
    font-size: 18px;
    margin-bottom: 28px;
}

.search-box {
    width: 100%;
    max-width: 620px;
    margin: 0 auto;
}

.search-box input {
    width: 100%;
    padding: 15px 18px;
    font-size: 16px;
    border: 1px solid #d1d5db;
    border-radius: 8px;
    outline: none;
    background: #ffffff;
}

.search-box input:focus {
    border-color: #2563eb;
}

.section {
    padding: 45px 0 10px;
}

.section h2 {
    font-size: 26px;
    margin-bottom: 20px;
}

.calculator-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 18px;
}

.calculator-card {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    padding: 22px;
    text-decoration: none;
    color: #1f2937;
    transition: 0.15s ease;
}

.calculator-card:hover {
    border-color: #c7d2fe;
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.05);
    transform: translateY(-2px);
}

.calculator-card h3 {
    font-size: 18px;
    margin-bottom: 7px;
}

.calculator-card p {
    color: #6b7280;
    font-size: 14px;
}

footer {
    margin-top: 60px;
    background: #ffffff;
    border-top: 1px solid #e5e7eb;
}

.footer-inner {
    min-height: 90px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    color: #6b7280;
    font-size: 14px;
}

.footer-inner a {
    margin-left: 16px;
    text-decoration: none;
    color: #6b7280;
}

.footer-inner a:hover {
    color: #111827;
}

@media (max-width: 700px) {
    .header-inner {
        flex-direction: column;
        justify-content: center;
        padding: 15px 0;
    }

    .main-nav {
        flex-wrap: wrap;
        justify-content: center;
    }

    .hero {
        padding: 50px 0 40px;
    }

    .hero h1 {
        font-size: 32px;
    }

    .footer-inner {
        flex-direction: column;
        justify-content: center;
        padding: 20px 0;
    }

    .footer-inner a {
        margin: 0 8px;
    }
}

/* =========================
   CALCULATOR PAGE
========================= */

.calculator-page {
    padding: 40px 0 60px;
}

.breadcrumb {
    font-size: 14px;
    color: #6b7280;
    margin-bottom: 18px;
}

.breadcrumb a {
    color: #4b5563;
    text-decoration: none;
}

.breadcrumb a:hover {
    text-decoration: underline;
}

.calculator-page h1 {
    font-size: 36px;
    margin-bottom: 8px;
}

.calculator-intro {
    color: #6b7280;
    margin-bottom: 30px;
    max-width: 700px;
}

.calculator-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(300px, 0.8fr);
    gap: 28px;
    align-items: start;
}

.calculator-box,
.result-box {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    padding: 26px;
}

.calculator-box label {
    display: block;
    font-weight: 600;
    margin-bottom: 7px;
}

.calculator-box input {
    width: 100%;
    padding: 13px 14px;
    border: 1px solid #d1d5db;
    border-radius: 7px;
    font-size: 16px;
    margin-bottom: 20px;
    outline: none;
}

.calculator-box input:focus {
    border-color: #2563eb;
}

.calculator-box button {
    width: 100%;
    border: 0;
    border-radius: 7px;
    padding: 14px 18px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    background: #2563eb;
    color: #ffffff;
}

.calculator-box button:hover {
    background: #1d4ed8;
}

.result-box h2 {
    font-size: 22px;
    margin-bottom: 18px;
}

.result-row {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    padding: 16px 0;
    border-bottom: 1px solid #e5e7eb;
}

.result-row:last-child {
    border-bottom: 0;
}

.result-row span {
    color: #6b7280;
}

.result-row strong {
    text-align: right;
}

@media (max-width: 800px) {
    .calculator-layout {
        grid-template-columns: 1fr;
    }

    .calculator-page h1 {
        font-size: 30px;
    }
}

.calculator-buttons {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 10px;
}

.calculator-box .clear-button {
    background: #ffffff;
    color: #374151;
    border: 1px solid #d1d5db;
}

.calculator-box .clear-button:hover {
    background: #f3f4f6;
}

/* Validation message - force red */
.calculator-box .calculator-error {
    display: none;
    color: #dc2626;
    background: #fef2f2;
    border: 1px solid #fecaca;
    font-weight: 600;
    font-size: 14px;
    padding: 10px 12px;
    margin: -5px 0 15px;
    border-radius: 6px;
}

.calculator-box input.input-error {
    border: 2px solid #dc2626;
    background: #fffafa;
}


.percentage-section {
    margin-top: 45px;
}

.percentage-section:first-of-type {
    margin-top: 30px;
}

.percentage-section > h2 {
    font-size: 24px;
    margin-bottom: 18px;
}


/* =========================
   HOMEPAGE QUICK TOOL
========================= */

.quick-tool-section {
    padding-top: 45px;
}

.quick-tool-header {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 25px;
    margin-bottom: 18px;
}

.quick-tool-header h2 {
    margin-bottom: 4px;
}

.quick-tool-header p {
    color: #6b7280;
    font-size: 14px;
}

.full-tool-link {
    color: #2563eb;
    text-decoration: none;
    font-size: 14px;
    font-weight: 600;
    white-space: nowrap;
}

.full-tool-link:hover {
    text-decoration: underline;
}

.quick-tool {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    padding: 24px;
}

.quick-percentage-form {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto;
    gap: 16px;
    align-items: end;
}

.quick-field label {
    display: block;
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 7px;
}

.quick-field input {
    width: 100%;
    height: 46px;
    padding: 0 13px;
    border: 1px solid #d1d5db;
    border-radius: 7px;
    font-size: 16px;
    outline: none;
}

.quick-field input:focus {
    border-color: #2563eb;
}

.input-with-unit {
    position: relative;
}

.input-with-unit input {
    padding-right: 40px;
}

.input-with-unit span {
    position: absolute;
    right: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: #6b7280;
    pointer-events: none;
}

.quick-symbol {
    height: 46px;
    display: flex;
    align-items: center;
    color: #6b7280;
    font-weight: 600;
}

.quick-actions {
    display: flex;
    gap: 8px;
}

.quick-actions button {
    height: 46px;
    padding: 0 20px;
    border-radius: 7px;
    border: 0;
    background: #2563eb;
    color: #ffffff;
    font-weight: 600;
    cursor: pointer;
}

.quick-actions .quick-clear {
    background: #ffffff;
    color: #374151;
    border: 1px solid #d1d5db;
}

.quick-actions .quick-clear:hover {
    background: #f3f4f6;
}

.quick-actions #quickCalculate:hover {
    background: #1d4ed8;
}

.quick-result {
    margin-top: 20px;
    padding-top: 18px;
    border-top: 1px solid #e5e7eb;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.quick-result span {
    color: #6b7280;
}

.quick-result strong {
    font-size: 24px;
}

.quick-error {
    display: none;
    color: #dc2626;
    font-size: 14px;
    font-weight: 600;
    margin-top: 14px;
}

.quick-field input.input-error {
    border: 2px solid #dc2626;
    background: #fffafa;
}

@media (max-width: 800px) {

    .quick-tool-header {
        align-items: flex-start;
        flex-direction: column;
        gap: 8px;
    }

    .quick-percentage-form {
        grid-template-columns: 1fr;
    }

    .quick-symbol {
        height: auto;
    }

    .quick-actions {
        width: 100%;
    }

    .quick-actions button {
        flex: 1;
    }
}


/* =========================
   ADVANCED MORTGAGE
========================= */

.down-payment-row {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 12px;
    margin-bottom: 20px;
}

.down-payment-row input {
    margin-bottom: 0;
}

.mortgage-subheading {
    font-size: 18px;
    margin: 8px 0 18px;
    padding-top: 18px;
    border-top: 1px solid #e5e7eb;
}

.monthly-payment-highlight {
    background: #f8fafc;
    border: 1px solid #e5e7eb;
    border-radius: 8px;
    padding: 20px;
    margin-bottom: 15px;
}

.monthly-payment-highlight span {
    display: block;
    color: #6b7280;
    font-size: 14px;
    margin-bottom: 6px;
}

.monthly-payment-highlight strong {
    display: block;
    font-size: 30px;
    line-height: 1.2;
}

.mortgage-results {
    position: sticky;
    top: 20px;
}

@media (max-width: 800px) {

    .down-payment-row {
        grid-template-columns: 1fr;
    }

    .mortgage-results {
        position: static;
    }
}


/* =========================
   AMORTIZATION TABLE
========================= */

.amortization-section {
    margin-top: 45px;
}

.amortization-header {
    margin-bottom: 18px;
}

.amortization-header h2 {
    font-size: 26px;
    margin-bottom: 4px;
}

.amortization-header p {
    color: #6b7280;
    font-size: 14px;
}

.amortization-table-wrap {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    overflow-x: auto;
}

.amortization-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 650px;
}

.amortization-table th,
.amortization-table td {
    padding: 14px 16px;
    text-align: right;
    border-bottom: 1px solid #e5e7eb;
}

.amortization-table th:first-child,
.amortization-table td:first-child {
    text-align: left;
}

.amortization-table th {
    background: #f8fafc;
    font-size: 14px;
}

.amortization-table td {
    font-size: 14px;
}

.amortization-table tbody tr:last-child td {
    border-bottom: 0;
}

.amortization-empty {
    text-align: center !important;
    color: #6b7280;
    padding: 30px !important;
}


.calculator-card.coming-soon {
    cursor: default;
    opacity: 0.65;
    position: relative;
}

.calculator-card.coming-soon:hover {
    transform: none;
    box-shadow: none;
    border-color: #e5e7eb;
}

.calculator-card.coming-soon::after {
    content: "Coming Soon";
    display: inline-block;
    margin-top: 12px;
    font-size: 12px;
    font-weight: 600;
    color: #6b7280;
}


.field-help {
    margin-top: -12px;
    margin-bottom: 18px;
    color: #6b7280;
    font-size: 13px;
}


/* =========================
   SECONDARY TOOL NAV
========================= */

.tool-nav {
    background: #111827;
    border-top: 1px solid #1f2937;
}

.tool-nav-inner {
    min-height: 42px;
    display: flex;
    align-items: center;
    gap: 10px;
    overflow-x: auto;
    white-space: nowrap;
    scrollbar-width: thin;
}

.tool-nav a {
    color: #ffffff;
    text-decoration: none;
    font-size: 14px;
    font-weight: 600;
}

.tool-nav a:hover {
    text-decoration: underline;
}

.tool-nav span {
    color: #9ca3af;
    font-size: 13px;
}

@media (max-width: 700px) {

    .tool-nav-inner {
        width: 100%;
        padding-left: 16px;
        padding-right: 16px;
    }
}


/* =========================
   DOWN PAYMENT OPTIONS
========================= */

.down-payment-options {
    margin-top: 45px;
}

.down-payment-options h2 {
    font-size: 25px;
    margin-bottom: 18px;
}

.down-payment-option-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
}

.down-option {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 9px;
    padding: 18px;
    cursor: pointer;
    text-align: left;
}

.down-option:hover {
    border-color: #2563eb;
}

.down-option strong {
    display: block;
    font-size: 20px;
    margin-bottom: 5px;
}

.down-option span {
    color: #6b7280;
    font-size: 14px;
}

@media (max-width: 700px) {

    .down-payment-option-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}


/* ==================================================
   NUMELIOS - UI POLISH PASS
   ================================================== */

/* ---------- GLOBAL ---------- */

body {
    color: #1f2937;
    background: #ffffff;
}

.container {
    width: min(1120px, calc(100% - 40px));
    margin-left: auto;
    margin-right: auto;
}


/* ---------- HEADER ---------- */

.site-header {
    background: #ffffff;
    border-bottom: 1px solid #e5e7eb;
}

.site-header .container {
    min-height: 68px;
}

.logo {
    font-weight: 800;
    letter-spacing: -0.5px;
}


/* ---------- DARK TOOL NAV ---------- */

.tool-nav {
    background: #111827;
    border: 0;
}

.tool-nav-inner {
    min-height: 46px;
    display: flex;
    align-items: center;
    gap: 11px;
    overflow-x: auto;
    white-space: nowrap;
    scrollbar-width: none;
}

.tool-nav-inner::-webkit-scrollbar {
    display: none;
}

.tool-nav a {
    color: #ffffff;
    font-size: 14px;
    font-weight: 700;
    text-decoration: none;
    transition: opacity 0.15s ease;
}

.tool-nav a:hover {
    opacity: 0.72;
}

.tool-nav span {
    color: #6b7280;
    font-size: 12px;
}


/* ---------- HOMEPAGE HERO ---------- */

.hero {
    padding-top: 70px;
    padding-bottom: 64px;
}

.hero h1 {
    font-size: clamp(38px, 5vw, 52px);
    line-height: 1.08;
    letter-spacing: -1.5px;
    margin-bottom: 18px;
}

.hero p {
    font-size: 18px;
    color: #6b7280;
    line-height: 1.6;
}

.search-box {
    margin-top: 30px;
}

.search-box input {
    min-height: 54px;
    border: 1px solid #d1d5db;
    border-radius: 10px;
    padding: 0 18px;
    font-size: 16px;
    background: #ffffff;
    transition:
        border-color 0.15s ease,
        box-shadow 0.15s ease;
}

.search-box input:focus {
    outline: none;
    border-color: #64748b;
    box-shadow: 0 0 0 3px rgba(100, 116, 139, 0.10);
}


/* ---------- SECTIONS ---------- */

.section {
    padding-top: 54px;
    padding-bottom: 54px;
}

.section h2 {
    font-size: 28px;
    line-height: 1.2;
    letter-spacing: -0.5px;
    margin-bottom: 26px;
}


/* ---------- CALCULATOR CARDS ---------- */

.calculator-grid {
    gap: 18px;
}

.calculator-card {
    min-height: 145px;
    padding: 24px;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    background: #ffffff;

    transition:
        transform 0.15s ease,
        border-color 0.15s ease,
        box-shadow 0.15s ease;
}

.calculator-card:hover {
    transform: translateY(-2px);
    border-color: #cbd5e1;
    box-shadow:
        0 8px 24px rgba(15, 23, 42, 0.07);
}

.calculator-card h3 {
    font-size: 18px;
    line-height: 1.35;
    margin-bottom: 9px;
}

.calculator-card p {
    color: #64748b;
    line-height: 1.55;
    margin: 0;
}


/* ---------- QUICK MORTGAGE ---------- */

.quick-tool-section {
    padding-top: 50px;
    padding-bottom: 58px;
}

.quick-tool {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    padding: 28px;

    box-shadow:
        0 6px 20px rgba(15, 23, 42, 0.04);
}

.quick-tool-header {
    margin-bottom: 20px;
}

.quick-tool-header h2 {
    margin-bottom: 7px;
}

.quick-tool-header p {
    color: #64748b;
    margin: 0;
}

.full-tool-link {
    font-weight: 700;
    text-decoration: none;
}

.quick-mortgage-form {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 16px;
}

.quick-field label {
    display: block;
    font-weight: 700;
    margin-bottom: 8px;
}

.quick-field input,
.quick-field select {
    width: 100%;
    min-height: 48px;
    border: 1px solid #d1d5db;
    border-radius: 8px;
    padding: 0 13px;
    font-size: 16px;
    background: #ffffff;
}

.quick-field input:focus,
.quick-field select:focus {
    outline: none;
    border-color: #64748b;
    box-shadow: 0 0 0 3px rgba(100, 116, 139, 0.10);
}

.quick-mortgage-actions {
    margin-top: 20px;
}

.quick-result {
    margin-top: 22px;
    padding: 20px 22px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.quick-result span {
    color: #64748b;
    font-size: 14px;
}

.quick-result strong {
    font-size: 28px;
    letter-spacing: -0.5px;
}


/* ---------- CALCULATOR PAGES ---------- */

.calculator-page {
    padding-top: 48px;
    padding-bottom: 72px;
}

.calculator-page h1 {
    font-size: clamp(32px, 4vw, 42px);
    letter-spacing: -1px;
    margin-bottom: 12px;
}

.calculator-intro {
    color: #64748b;
    font-size: 17px;
    line-height: 1.6;
    max-width: 760px;
    margin-bottom: 30px;
}

.breadcrumb {
    color: #64748b;
    font-size: 14px;
    margin-bottom: 20px;
}

.breadcrumb a {
    text-decoration: none;
}


/* ---------- CALCULATOR PANELS ---------- */

.calculator-layout {
    gap: 28px;
    align-items: start;
}

.calculator-box,
.result-box {
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    background: #ffffff;
    padding: 28px;

    box-shadow:
        0 4px 16px rgba(15, 23, 42, 0.035);
}

.calculator-box label {
    font-weight: 700;
    margin-bottom: 8px;
}

.calculator-box input,
.calculator-box select {
    min-height: 48px;
    border-radius: 8px;
    border-color: #d1d5db;
}

.calculator-box input:focus,
.calculator-box select:focus {
    outline: none;
    border-color: #64748b;
    box-shadow: 0 0 0 3px rgba(100, 116, 139, 0.10);
}

.result-box h2 {
    font-size: 23px;
    margin-bottom: 20px;
}

.monthly-payment-highlight {
    padding: 22px;
    border-radius: 10px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    margin-bottom: 18px;
}

.monthly-payment-highlight span {
    color: #64748b;
}

.monthly-payment-highlight strong {
    font-size: 30px;
    letter-spacing: -0.6px;
}

.result-row {
    padding: 15px 0;
    border-bottom: 1px solid #e5e7eb;
}

.result-row:last-child {
    border-bottom: 0;
}


/* ---------- BUTTONS ---------- */

.calculator-buttons button,
.quick-actions button {
    min-height: 48px;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;

    transition:
        transform 0.1s ease,
        opacity 0.15s ease;
}

.calculator-buttons button:hover,
.quick-actions button:hover {
    opacity: 0.9;
}

.calculator-buttons button:active,
.quick-actions button:active {
    transform: translateY(1px);
}


/* ---------- MOBILE ---------- */

@media (max-width: 900px) {

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

}


@media (max-width: 640px) {

    .container {
        width: min(100% - 28px, 1120px);
    }

    .hero {
        padding-top: 48px;
        padding-bottom: 46px;
    }

    .hero h1 {
        font-size: 36px;
    }

    .section {
        padding-top: 42px;
        padding-bottom: 42px;
    }

    .quick-mortgage-form {
        grid-template-columns: 1fr;
    }

    .quick-tool {
        padding: 20px;
    }

    .calculator-box,
    .result-box {
        padding: 20px;
    }

    .calculator-page {
        padding-top: 34px;
    }

}


/* ==================================================
   CURRENT MORTGAGE RATES
   ================================================== */

.mortgage-rates-section {
    padding-top: 18px;
    padding-bottom: 52px;
}

.rates-header {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 20px;
    margin-bottom: 18px;
}

.rates-header h2 {
    margin-bottom: 5px;
}

.rates-header p {
    color: #64748b;
    margin: 0;
    font-size: 14px;
}

.rates-date {
    color: #64748b;
    font-size: 13px;
    white-space: nowrap;
}

.rates-card {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    overflow: hidden;
}

.rates-table-header {
    display: grid;
    grid-template-columns: 1fr 140px 150px;
    gap: 20px;
    padding: 12px 20px;

    background: #f8fafc;
    border-bottom: 1px solid #e2e8f0;

    color: #64748b;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

.rate-row {
    display: grid;
    grid-template-columns: 1fr 140px 150px;
    gap: 20px;
    align-items: center;

    padding: 20px;

    border-bottom: 1px solid #e5e7eb;
}

.rate-row:last-of-type {
    border-bottom: 0;
}

.rate-row > div {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.rate-row small {
    color: #64748b;
    font-size: 13px;
}

.rate-number {
    font-size: 25px;
    letter-spacing: -0.4px;
}

.rate-down {
    color: #15803d;
    font-weight: 700;
    font-size: 14px;
}

.rates-footer {
    display: flex;
    justify-content: space-between;
    gap: 20px;

    padding: 12px 20px;

    background: #f8fafc;
    border-top: 1px solid #e2e8f0;

    color: #64748b;
    font-size: 11px;
}


/* MOBILE */

@media (max-width: 700px) {

    .rates-header {
        align-items: flex-start;
        flex-direction: column;
        gap: 5px;
    }

    .rates-table-header {
        grid-template-columns: 1fr 90px;
    }

    .rates-table-header span:last-child {
        display: none;
    }

    .rate-row {
        grid-template-columns: 1fr 90px;
    }

    .rate-down {
        grid-column: 1 / -1;
        font-size: 12px;
    }

    .rate-number {
        font-size: 22px;
        text-align: right;
    }

    .rates-footer {
        flex-direction: column;
        gap: 5px;
    }
}


/* ==================================================
   HERO SEARCH + MORTGAGE RATES
   ================================================== */

.hero .container {
    max-width: 1180px;
}

.hero-tools {
    margin-top: 34px;
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(420px, 0.85fr);
    gap: 28px;
    align-items: center;
}

.hero-search-column {
    display: flex;
    align-items: center;
}

.hero-search-column .search-box {
    width: 100%;
    max-width: none;
    margin: 0;
}

.hero-rates-column .rates-header {
    margin-bottom: 12px;
    text-align: left;
}

.hero-rates-column .rates-header h2 {
    font-size: 20px;
    margin-bottom: 3px;
}

.hero-rates-column .rates-header p {
    font-size: 12px;
}

.hero-rates-column .rates-date {
    font-size: 11px;
}

.hero-rates-column .rates-card {
    border-radius: 10px;
}

.hero-rates-column .rates-table-header {
    grid-template-columns: 1fr 90px 110px;
    padding: 9px 14px;
    font-size: 10px;
}

.hero-rates-column .rate-row {
    grid-template-columns: 1fr 90px 110px;
    padding: 13px 14px;
    gap: 12px;
}

.hero-rates-column .rate-row strong {
    font-size: 14px;
}

.hero-rates-column .rate-row small {
    font-size: 11px;
}

.hero-rates-column .rate-number {
    font-size: 20px !important;
}

.hero-rates-column .rate-down {
    font-size: 12px;
}

.hero-rates-column .rates-footer {
    padding: 9px 14px;
    font-size: 9px;
    gap: 10px;
}

@media (max-width: 900px) {

    .hero-tools {
        grid-template-columns: 1fr;
        align-items: stretch;
    }

    .hero-rates-column {
        width: 100%;
    }

}


.rate-up {
    color: #dc2626;
    font-weight: 700;
    font-size: 14px;
}

.hero-rates-column .rate-up {
    font-size: 12px;
}


/* ==================================================
   COMPACT HERO MORTGAGE RATES
   ================================================== */

.hero {
    padding-top: 55px;
    padding-bottom: 48px;
}

.hero-tools {
    margin-top: 30px;
    grid-template-columns: minmax(0, 1.35fr) minmax(360px, 0.65fr);
    gap: 28px;
    align-items: center;
}


/* RATE HEADING */

.hero-rates-column .rates-header {
    margin-bottom: 7px;
    align-items: center;
}

.hero-rates-column .rates-header h2 {
    font-size: 17px;
    margin: 0;
}

.hero-rates-column .rates-header p {
    display: none;
}

.hero-rates-column .rates-date {
    font-size: 9px;
}


/* TABLE */

.hero-rates-column .rates-card {
    border-radius: 9px;
}

.hero-rates-column .rates-table-header {
    grid-template-columns: 1fr 75px 85px;
    padding: 6px 11px;
    font-size: 8px;
}


/* RATE ROWS */

.hero-rates-column .rate-row {
    grid-template-columns: 1fr 75px 85px;
    gap: 8px;
    padding: 8px 11px;
    min-height: 0;
}

.hero-rates-column .rate-row > div {
    gap: 0;
}

.hero-rates-column .rate-row > div > strong {
    font-size: 12px;
}

.hero-rates-column .rate-row small {
    display: none;
}

.hero-rates-column .rate-number {
    font-size: 16px !important;
}

.hero-rates-column .rate-down,
.hero-rates-column .rate-up {
    font-size: 10px;
}


/* FOOTER */

.hero-rates-column .rates-footer {
    padding: 6px 10px;
    font-size: 7px;
    line-height: 1.25;
}


/* MOBILE */

@media (max-width: 900px) {

    .hero-tools {
        grid-template-columns: 1fr;
    }

    .hero-rates-column {
        max-width: 520px;
        width: 100%;
        margin: 0 auto;
    }

}


.quick-loan-preview {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 20px;
    padding: 14px 18px;
    border: 1px solid #e2e8f0;
    border-radius: 9px;
    background: #ffffff;
}

.quick-loan-preview span {
    color: #64748b;
    font-size: 14px;
}

.quick-loan-preview strong {
    font-size: 18px;
}

.quick-result {
    margin-top: 10px;
}

.quick-result strong {
    font-size: 30px;
}


.related-tools-section {
    padding-top: 20px;
    padding-bottom: 70px;
}

.related-tools-header {
    margin-bottom: 22px;
}

.related-tools-header h2 {
    font-size: 27px;
    margin-bottom: 6px;
}

.related-tools-header p {
    color: #64748b;
    margin: 0;
}


/* ==================================================
   CALCULATOR INFORMATION CONTENT
   ================================================== */

.calculator-content {
    padding-top: 25px;
    padding-bottom: 20px;
}

.content-intro {
    max-width: 850px;
    margin-bottom: 34px;
}

.content-intro h2,
.content-section > h2 {
    font-size: 27px;
    letter-spacing: -0.4px;
    margin-bottom: 12px;
}

.content-intro p,
.content-card p,
.info-item p,
.faq-list p {
    color: #475569;
    line-height: 1.75;
}

.content-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
    margin-bottom: 42px;
}

.content-card {
    padding: 25px;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    background: #ffffff;
}

.content-card h2 {
    font-size: 21px;
    margin-bottom: 12px;
}

.formula-box {
    margin: 20px 0 12px;
    padding: 18px;
    border-radius: 8px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    font-size: 18px;
    font-weight: 700;
    text-align: center;
}

.formula-note,
.content-note {
    font-size: 13px;
    color: #64748b !important;
}

.example-values {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    margin: 20px 0;
}

.example-values div {
    padding: 13px;
    border-radius: 8px;
    background: #f8fafc;
}

.example-values span {
    display: block;
    font-size: 12px;
    color: #64748b;
    margin-bottom: 3px;
}

.content-section {
    margin-top: 42px;
}

.info-list-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.info-item {
    padding: 20px;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.info-item h3 {
    font-size: 17px;
    margin-bottom: 6px;
}

.info-item p {
    margin: 0;
    font-size: 14px;
}

.faq-list {
    border-top: 1px solid #e2e8f0;
}

.faq-list details {
    border-bottom: 1px solid #e2e8f0;
    padding: 17px 0;
}

.faq-list summary {
    cursor: pointer;
    font-weight: 700;
}

.faq-list p {
    margin: 12px 0 0;
    max-width: 850px;
}

.calculator-disclaimer {
    margin-top: 42px;
    padding: 16px 18px;
    border-radius: 8px;
    background: #f8fafc;
    color: #64748b;
    font-size: 12px;
    line-height: 1.6;
}

@media (max-width: 750px) {

    .content-grid,
    .info-list-grid {
        grid-template-columns: 1fr;
    }

    .example-values {
        grid-template-columns: 1fr;
    }
}


/* ==================================================
   NUMELIOS HEADER FINAL POLISH
   ================================================== */

.site-header {
    background: #ffffff;
    border-bottom: 0;
}

.header-inner {
    min-height: 64px !important;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

.logo {
    font-size: 27px;
    font-weight: 800;
    letter-spacing: -0.8px;
    color: #111827;
    text-decoration: none;
}

.header-focus {
    display: flex;
    align-items: center;
    gap: 20px;
    color: #64748b;
    font-size: 13px;
    font-weight: 600;
}

.header-focus span {
    position: relative;
}

.header-focus span:not(:last-child)::after {
    content: "•";
    position: absolute;
    right: -12px;
    color: #cbd5e1;
}


/* DARK NAV */

.site-header .tool-nav-inner {
    min-height: 44px !important;
}

.tool-nav {
    background: #111827;
}

.tool-nav-inner {
    gap: 10px;
}

.tool-nav a {
    font-size: 13px;
    font-weight: 650;
    line-height: 1;
}

.nav-separator {
    color: #475569 !important;
    font-size: 9px !important;
    user-select: none;
}

.tool-nav a:hover {
    opacity: 1;
    color: #dbeafe;
    text-decoration: none;
}


/* MOBILE */

@media (max-width: 700px) {

    .header-inner {
        min-height: 58px !important;
        padding: 0 !important;
        flex-direction: row !important;
    }

    .logo {
        font-size: 24px;
    }

    .header-focus {
        display: none;
    }

    .site-header .tool-nav-inner {
        min-height: 42px !important;
    }

}


.header-inner {
    justify-content: flex-start !important;
}

.header-focus {
    display: none !important;
}


/* ==================================================
   NUMELIOS DESKTOP SCALE POLISH
   ================================================== */

.container {
    width: min(1180px, calc(100% - 48px));
    margin-left: auto;
    margin-right: auto;
}


/* HERO */

.hero {
    padding-top: 54px;
    padding-bottom: 54px;
}

.hero h1 {
    font-size: clamp(38px, 4vw, 54px);
    line-height: 1.08;
    letter-spacing: -1.5px;
    margin-bottom: 12px;
}

.hero > .container > p {
    font-size: 16px;
    line-height: 1.6;
}


/* SEARCH */

.search-box input {
    min-height: 54px;
    font-size: 15px;
    padding-left: 18px;
}


/* MORTGAGE RATES */

.mortgage-rates-section {
    max-width: 440px;
}

.rates-header h2 {
    font-size: 20px;
}

.rates-header p,
.rates-date {
    font-size: 12px;
}

.rates-table-header {
    font-size: 11px;
}

.rate-row {
    min-height: 62px;
}

.rate-row strong {
    font-size: 14px;
}

.rate-number {
    font-size: 19px !important;
}


/* QUICK TOOL */

.quick-tool-section {
    padding-top: 48px;
    padding-bottom: 48px;
}

.quick-tool-header h2 {
    font-size: 25px;
    letter-spacing: -0.4px;
}

.quick-tool {
    padding: 26px;
}

.quick-mortgage-form {
    gap: 16px;
}

.quick-field label {
    font-size: 13px;
}

.quick-field input,
.quick-field select {
    min-height: 48px;
    font-size: 15px;
}

.quick-actions button {
    min-height: 44px;
    padding-left: 22px;
    padding-right: 22px;
}

.quick-loan-preview,
.quick-result {
    min-height: 64px;
    padding: 15px 18px;
}

.quick-result strong,
.quick-loan-preview strong {
    font-size: 21px;
}


/* CALCULATOR SECTIONS */

.section {
    padding-top: 44px;
    padding-bottom: 44px;
}

.section > h2 {
    font-size: 25px;
    letter-spacing: -0.4px;
    margin-bottom: 22px;
}


/* CARDS */

.calculator-grid {
    gap: 18px;
}

.calculator-card {
    min-height: 142px;
    padding: 22px;
}

.calculator-card h3 {
    font-size: 16px;
    line-height: 1.35;
    margin-bottom: 10px;
}

.calculator-card p {
    font-size: 13px;
    line-height: 1.55;
}


/* FOOTER */

.site-footer {
    margin-top: 48px;
}

.footer-inner {
    min-height: 86px;
}


/* MOBILE SAFETY */

@media (max-width: 700px) {

    .container {
        width: min(100% - 30px, 1180px);
    }

    .hero {
        padding-top: 38px;
        padding-bottom: 38px;
    }

    .hero h1 {
        font-size: 34px;
    }

    .quick-tool {
        padding: 20px;
    }

    .calculator-card {
        min-height: auto;
    }

}


/* ==================================================
   COMPACT RELATED TOOL LINKS
   ================================================== */

.related-tools-compact {
    padding-top: 22px;
    padding-bottom: 36px;
}

.related-tools-columns {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 32px;
}

.related-tools-group h3 {
    font-size: 16px;
    margin-bottom: 10px;
    color: #0f172a;
}

.related-tools-group ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.related-tools-group li {
    margin-bottom: 7px;
}

.related-tools-group a {
    color: #2563eb;
    text-decoration: none;
    font-size: 13px;
    line-height: 1.4;
}

.related-tools-group a::before {
    content: "›";
    margin-right: 7px;
    color: #22c55e;
    font-weight: 700;
}

.related-tools-group a:hover {
    text-decoration: underline;
}

@media (max-width: 750px) {

    .related-tools-columns {
        grid-template-columns: 1fr;
        gap: 20px;
    }

}




/* ==================================================
   NUMELIOS FINAL HOMEPAGE LAYOUT
   ================================================== */


/* ---------- HEADER ---------- */

.site-header {
    background: #111827;
    border: 0;
}

.header-inner {
    display: none !important;
}

.tool-nav {
    background: #111827;
    border: 0;
}

.tool-nav-inner {
    width: min(1380px, calc(100% - 40px));
    min-height: 50px;
    margin: 0 auto;

    display: flex;
    align-items: center;
    justify-content: center;

    gap: 11px;
    overflow-x: auto;
    white-space: nowrap;
}

.tool-nav a {
    color: #ffffff;
    font-size: 14px;
    font-weight: 650;
    text-decoration: none;
}

.tool-nav a:hover {
    color: #dbeafe;
}

.nav-separator {
    color: #64748b !important;
    font-size: 8px !important;
}


/* ---------- HERO ---------- */

.hero {
    background: #ffffff;
    padding: 42px 0 38px;
    border-bottom: 1px solid #e5e7eb;
}

.hero > .container {
    width: min(1320px, calc(100% - 48px));
    max-width: none;
}

.hero h1 {
    margin: 0 0 10px;
    text-align: center;

    font-size: clamp(38px, 4vw, 52px);
    line-height: 1.08;
    letter-spacing: -1.4px;
}

.hero > .container > p {
    margin: 0 auto;
    max-width: 850px;

    color: #64748b;
    font-size: 16px;
    line-height: 1.6;
    text-align: center;
}


/* ---------- MAIN HERO GRID ---------- */

.hero-tools {
    margin-top: 34px;

    display: grid;
    grid-template-columns: 245px minmax(0, 1fr) 390px;
    grid-template-areas:
        "sidebar search rates"
        "sidebar quick  quick";

    column-gap: 38px;
    row-gap: 22px;

    align-items: start;
}


/* ---------- LEFT TOOL DIRECTORY ---------- */

.tools-sidebar {
    grid-area: sidebar;

    width: 245px;
    padding: 0;
    margin: 0;
}

.sidebar-group {
    margin: 0 0 32px;
}

.sidebar-group h3 {
    margin: 0 0 10px;

    color: #0f4c6e;

    font-size: 19px;
    line-height: 1.3;
    font-weight: 750;
}

.sidebar-group a {
    display: block;

    padding: 5px 0;

    color: #334155;

    font-size: 15px;
    line-height: 1.4;
    font-weight: 500;

    text-decoration: none;
}

.sidebar-group a::before {
    display: none !important;
    content: none !important;
}

.sidebar-group a:hover {
    color: #2563eb;
    text-decoration: underline;
}


/* ---------- SEARCH ---------- */

.hero-search-column {
    grid-area: search;

    width: 100%;
    padding-top: 27px;
}

.hero-search-column .search-box {
    width: 100%;
    max-width: 480px;
    margin: 0;
}

.hero-search-column .search-box input {
    width: 100%;
    min-height: 48px;

    padding: 0 16px;

    border: 1px solid #d1d5db;
    border-radius: 9px;

    font-size: 15px;
}


/* ---------- CURRENT RATES ---------- */

.hero-rates-column {
    grid-area: rates;

    width: 100%;
    max-width: 390px;
}

.hero-rates-column .rates-header {
    margin-bottom: 9px;
}

.hero-rates-column .rates-header h2 {
    margin: 0;
    font-size: 18px;
}

.hero-rates-column .rates-header p {
    display: none;
}

.hero-rates-column .rates-date {
    font-size: 10px;
}

.hero-rates-column .rates-card {
    border-radius: 9px;
}

.hero-rates-column .rates-table-header {
    grid-template-columns: 1fr 78px 88px;
    padding: 7px 11px;
    font-size: 9px;
}

.hero-rates-column .rate-row {
    grid-template-columns: 1fr 78px 88px;

    min-height: 0;
    padding: 9px 11px;
    gap: 8px;
}

.hero-rates-column .rate-row small {
    display: none;
}

.hero-rates-column .rate-row > div > strong {
    font-size: 13px;
}

.hero-rates-column .rate-number {
    font-size: 17px !important;
}

.hero-rates-column .rate-down,
.hero-rates-column .rate-up {
    font-size: 10px;
}

.hero-rates-column .rates-footer {
    padding: 6px 10px;
    font-size: 7px;
    line-height: 1.3;
}


/* ---------- QUICK MORTGAGE ---------- */

.hero-tools > .quick-tool-section {
    grid-area: quick;

    width: 100%;
    max-width: none;

    margin: 0;
    padding: 0;
}

.quick-tool-header {
    margin-bottom: 13px;

    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 20px;
}

.quick-tool-header h2 {
    margin: 0 0 4px;
    font-size: 23px;
    letter-spacing: -0.3px;
}

.quick-tool-header p {
    margin: 0;
    color: #64748b;
    font-size: 13px;
}

.full-tool-link {
    color: #2563eb;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    white-space: nowrap;
}

.quick-tool {
    padding: 20px;

    background: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;

    box-shadow: 0 4px 16px rgba(15, 23, 42, 0.035);
}

.quick-mortgage-form {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
}

.quick-field label {
    display: block;
    margin-bottom: 7px;

    font-size: 13px;
    font-weight: 700;
}

.quick-field input,
.quick-field select {
    width: 100%;
    min-height: 43px;

    padding: 0 12px;

    border: 1px solid #d1d5db;
    border-radius: 7px;

    background: #ffffff;
    font-size: 14px;
}

.quick-mortgage-actions {
    margin-top: 14px;
}

.quick-actions button {
    min-height: 42px;
    padding: 0 19px;

    border-radius: 7px;

    font-size: 14px;
    font-weight: 700;
}

.quick-loan-preview,
.quick-result {
    min-height: 50px;
    margin-top: 10px;
    padding: 11px 14px;

    display: flex;
    align-items: center;
    justify-content: space-between;

    border: 1px solid #e2e8f0;
    border-radius: 8px;

    background: #f8fafc;
}

.quick-loan-preview span,
.quick-result span {
    color: #64748b;
    font-size: 13px;
}

.quick-loan-preview strong,
.quick-result strong {
    font-size: 19px;
}


/* ---------- CONTENT BELOW HERO ---------- */

/*
   The HTML still has homepage-layout/homepage-main.
   We use an empty 245px left column so the SEO copy
   lines up with Search + Quick Mortgage above.
*/

.homepage-layout {
    width: min(1320px, calc(100% - 48px));
    margin: 0 auto;

    display: grid;
    grid-template-columns: 245px minmax(0, 1fr);
    column-gap: 38px;
}

.homepage-main {
    grid-column: 2;
    min-width: 0;
}


/* ---------- HOMEPAGE SEO CONTENT ---------- */

.homepage-seo-content {
    width: 100%;
    max-width: 920px;

    padding: 48px 0 72px;
}

.seo-intro {
    margin-bottom: 38px;
}

.homepage-seo-content h2 {
    margin: 0 0 12px;

    color: #172033;

    font-size: 26px;
    line-height: 1.25;
    letter-spacing: -0.35px;
}

.homepage-seo-content p {
    margin: 0 0 14px;

    color: #475569;

    font-size: 15px;
    line-height: 1.8;
}

.seo-topic {
    padding: 28px 0;
    border-top: 1px solid #e2e8f0;
}

.seo-topic h2 {
    font-size: 22px;
}

.seo-topic a {
    color: #2563eb;
    font-weight: 600;
    text-decoration: none;
}

.seo-topic a:hover {
    text-decoration: underline;
}

.homepage-faq details {
    padding: 15px 0;
    border-bottom: 1px solid #e2e8f0;
}

.homepage-faq summary {
    cursor: pointer;
    color: #1e293b;
    font-weight: 700;
}

.homepage-faq details p {
    margin-top: 10px;
}

.homepage-disclaimer {
    margin-top: 32px !important;
    padding-top: 18px;

    border-top: 1px solid #e2e8f0;

    color: #64748b !important;
    font-size: 12px !important;
}


/* ---------- RESPONSIVE ---------- */

@media (max-width: 1100px) {

    .hero-tools {
        grid-template-columns: 210px minmax(0, 1fr) 340px;
        column-gap: 26px;
    }

    .tools-sidebar {
        width: 210px;
    }

    .sidebar-group h3 {
        font-size: 17px;
    }

    .sidebar-group a {
        font-size: 13px;
    }

    .homepage-layout {
        grid-template-columns: 210px minmax(0, 1fr);
        column-gap: 26px;
    }

}


@media (max-width: 850px) {

    .hero-tools {
        grid-template-columns: 1fr;
        grid-template-areas:
            "search"
            "rates"
            "quick";

        gap: 22px;
    }

    .tools-sidebar {
        display: none;
    }

    .hero-search-column {
        padding-top: 0;
    }

    .hero-search-column .search-box,
    .hero-rates-column {
        max-width: none;
    }

    .homepage-layout {
        display: block;
        width: min(100% - 30px, 1320px);
    }

    .homepage-main {
        width: 100%;
    }

}


@media (max-width: 650px) {

    .hero {
        padding-top: 32px;
    }

    .hero h1 {
        font-size: 34px;
    }

    .quick-mortgage-form {
        grid-template-columns: 1fr;
    }

    .quick-tool-header {
        align-items: flex-start;
        flex-direction: column;
        gap: 7px;
    }

}


/* ==================================================
   FINAL SITE FOOTER
================================================== */

.site-footer {
    margin-top: 64px;
    background: #0f172a;
    border-top: 1px solid #1e293b;
}

.site-footer .footer-inner {
    width: min(1180px, calc(100% - 40px));
    margin: 0 auto;

    min-height: 150px;

    display: flex;
    justify-content: space-between;
    align-items: center;

    gap: 32px;

    color: #cbd5e1;
    font-size: 14px;
}

.site-footer .footer-inner p {
    margin: 0;
    color: #94a3b8;
}

.site-footer .footer-links {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    flex-wrap: wrap;

    gap: 24px;
}

.site-footer .footer-links a {
    margin: 0;
    color: #cbd5e1;
    text-decoration: none;
    font-weight: 500;

    transition:
        color 0.2s ease,
        opacity 0.2s ease;
}

.site-footer .footer-links a:hover {
    color: #ffffff;
}


/* MOBILE */

@media (max-width: 700px) {

    .site-footer {
        margin-top: 48px;
    }

    .site-footer .footer-inner {
        min-height: 0;

        flex-direction: column;
        justify-content: center;
        align-items: center;

        gap: 22px;

        padding: 34px 0;

        text-align: center;
    }

    .site-footer .footer-links {
        justify-content: center;
        gap: 14px 20px;
    }

}


/* ==================================================
   FORCE SHARED FOOTER FULL WIDTH
================================================== */

#siteFooter {
    width: 100%;
    max-width: none;
    margin: 0;
    padding: 0;
    align-self: stretch;
}

#siteFooter > .site-footer {
    width: 100%;
    max-width: none;
    margin-left: 0;
    margin-right: 0;
}

.site-footer .footer-inner {
    width: min(1180px, calc(100% - 40px));
    max-width: 1180px;
    margin-left: auto;
    margin-right: auto;
}





/* ==================================================
   NUMELIOS FINAL IMAGE FOOTER
================================================== */

html,
body {
    overflow-x: hidden;
}

#siteFooter {
    width: 100%;
    margin: 0;
    padding: 0;
}

.site-footer.footer-final {
    position: relative;

    width: 100%;

    margin: 64px 0 0;
    padding: 0;

    overflow: hidden;

    line-height: normal;
}


/* IMAGE CONTROLS THE FOOTER HEIGHT */

.footer-final-image {
    display: block;

    width: 100%;
    height: auto;

    margin: 0;
    padding: 0;

    border: 0;
}


/* INVISIBLE HOME LINK OVER LOGO */

.footer-final-home {
    position: absolute;

    left: 5%;
    top: 30%;

    width: 30%;
    height: 32%;

    z-index: 2;
}


/* NAV LINKS */

.footer-final-links {
    position: absolute;

    left: 50%;
    top: 52%;

    transform: translate(-50%, -50%);

    display: flex;
    align-items: center;
    justify-content: center;

    gap: clamp(24px, 2.4vw, 42px);

    white-space: nowrap;

    z-index: 3;
}

.footer-final-links a {
    color: #172033;

    font-size: clamp(13px, 1vw, 16px);
    font-weight: 600;

    text-decoration: none;
}

.footer-final-links a:hover {
    color: #0f9f91;
}


/* COPYRIGHT */

.footer-final-copyright {
    position: absolute;

    left: 50%;
    bottom: 5%;

    transform: translateX(-50%);

    color: #64748b;

    font-size: clamp(10px, 0.8vw, 13px);

    text-align: center;

    white-space: nowrap;

    z-index: 3;
}


/* MOBILE */

@media (max-width: 700px) {

    .site-footer.footer-final {
        margin-top: 48px;
    }

    .footer-final-links {
        top: 61%;

        width: 85%;

        flex-wrap: wrap;

        gap: 10px 18px;
    }

    .footer-final-links a {
        font-size: 12px;
    }

    .footer-final-copyright {
        bottom: 3%;

        font-size: 9px;
    }
}


/* ==================================================
   FOOTER FINAL - CROP EMPTY TOP AREA
================================================== */

.site-footer.footer-final {
    position: relative;

    width: 100%;
    height: auto;

    aspect-ratio: 3.45 / 1;

    margin-top: 64px;
    padding: 0;

    overflow: hidden;
}


/* Move the full image upward to remove empty top space */

.footer-final-image {
    position: absolute;

    left: 0;
    top: -31%;

    width: 100%;
    height: auto;

    max-width: none;

    display: block;
}


/* Reposition links inside the visible footer */

.footer-final-links {
    top: 49%;
}


/* Reposition invisible logo/home click area */

.footer-final-home {
    left: 5%;
    top: 24%;

    width: 31%;
    height: 40%;
}


/* Copyright near bottom */

.footer-final-copyright {
    bottom: 4%;
}


/* MOBILE */

@media (max-width: 700px) {

    .site-footer.footer-final {
        aspect-ratio: auto;
        height: 260px;
    }

    .footer-final-image {
        top: 0;

        width: auto;
        height: 100%;

        left: 50%;
        transform: translateX(-50%);
    }

}


/* FOOTER - MOVE LINKS UP */

.footer-final-links {
    top: 44% !important;
}


/* FOOTER - MOVE LINKS UP */

.footer-final-links {
    top: 55% !important;
}


/* FOOTER - MOVE LINKS UP */

.footer-final-links {
    top: 30% !important;
}


/* FOOTER - MOVE LINKS UP */

.footer-final-links {
    top: 30% !important;
}


/* FOOTER - MOVE LINKS UP */

.footer-final-links {
    top: 10% !important;
}


/* ==================================================
   NUMELIOS FINAL IMAGE HEADER
================================================== */


/* ==================================================
   NUMELIOS FINAL HOMEPAGE / HEADER LAYOUT
================================================== */

html,
body {
    overflow-x: hidden;
}


/* ==================================================
   HEADER
================================================== */

.site-header.header-final {
    position: relative;

    width: 100%;
    height: 340px;

    margin: 0;
    padding: 0;

    overflow: hidden;

    background: #f5fbfa;
}


/* Decorative artwork */

.header-final-image {
    position: absolute;

    left: 0;
    top: -105px;

    width: 100%;
    height: auto;

    max-width: none;

    display: block;

    z-index: 0;
}


/* Invisible clickable logo area */

.header-final-home {
    position: absolute;

    left: 3%;
    top: 22%;

    width: 27%;
    height: 38%;

    z-index: 3;
}


/* ==================================================
   HEADER TOP CONTROLS
================================================== */

/* Search box */

.header-search-box {
    position: absolute;

    left: 24%;
    top: 20px;

    width: 250px;

    z-index: 5;
}

.header-search-box input {
    width: 100%;
    height: 42px;

    padding: 0 16px;

    border: 1px solid #d7e1e8;
    border-radius: 12px;

    background: rgba(255,255,255,0.94);

    color: #172033;

    font-size: 14px;

    outline: none;

    box-sizing: border-box;
}

.header-search-box input:focus {
    border-color: #2bbbad;
    box-shadow: 0 0 0 3px rgba(43,187,173,0.12);
}


/* Navigation row */

.header-final-nav {
    position: absolute;

    left: 41%;
    right: 3%;
    top: 31px;

    transform: none;

    width: auto;

    display: flex;
    justify-content: flex-end;
    align-items: center;

    gap: clamp(13px, 1.25vw, 23px);

    padding: 0;

    background: transparent;

    white-space: nowrap;

    z-index: 5;
}

.header-final-nav a {
    color: #111827;

    font-size: clamp(11px, 0.83vw, 14px);
    font-weight: 700;

    text-decoration: none;

    white-space: nowrap;
}

.header-final-nav a:hover {
    color: #0f9f91;
}


/* ==================================================
   HOMEPAGE HERO
================================================== */

.hero {
    padding-top: 34px;
    padding-bottom: 20px;
}

.hero > .container {
    padding-bottom: 0;
}

.hero h1 {
    margin-bottom: 10px;
}

.hero > .container > p {
    margin-bottom: 24px;
}


/* ==================================================
   QUICK MORTGAGE
================================================== */

.quick-tool-section {
    width: min(1180px, calc(100% - 40px));

    margin: 0 auto 34px;

    padding: 0;
}

.quick-tool-header {
    display: flex;

    justify-content: space-between;
    align-items: flex-end;

    gap: 20px;

    margin-bottom: 12px;
}

.quick-tool-header h2 {
    margin: 0 0 4px;

    font-size: 24px;
}

.quick-tool-header p {
    margin: 0;
}


/* Calculator card */

.quick-tool {
    padding: 18px;

    background: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 14px;

    box-shadow:
        0 4px 16px rgba(15,23,42,0.04);
}


/* Main horizontal row */

.quick-mortgage-form {
    display: grid;

    grid-template-columns:
        1.25fr
        1fr
        1fr
        1fr
        0.8fr;

    gap: 14px;

    align-items: end;
}

.quick-field {
    min-width: 0;
}

.quick-field label {
    display: block;

    margin-bottom: 7px;

    color: #172033;

    font-size: 13px;
    font-weight: 700;
}

.quick-field input,
.quick-field select,
#quickCurrencySelectorContainer select {
    width: 100%;
    height: 44px;

    box-sizing: border-box;
}


/* Buttons in same horizontal area */

.quick-mortgage-actions {
    display: flex;

    gap: 10px;

    margin-top: 14px;
}

.quick-mortgage-actions button {
    min-width: 120px;
    height: 42px;
}


/* Compact result rows */

.quick-loan-preview,
.quick-result {
    margin-top: 12px;
}


/* ==================================================
   HOMEPAGE LOWER AREA
================================================== */

.hero-tools {
    margin-top: 18px;
}


/* ==================================================
   TABLET
================================================== */

@media (max-width: 1100px) {

    .site-header.header-final {
        height: 290px;
    }

    .header-search-box {
        left: 18px;
        top: 18px;

        width: 220px;
    }

    .header-final-nav {
        left: 255px;
        right: 18px;
        top: 29px;

        gap: 11px;
    }

    .header-final-nav a {
        font-size: 11px;
    }

    .quick-mortgage-form {
        grid-template-columns:
            repeat(2, minmax(180px, 1fr));
    }

}


/* ==================================================
   MOBILE
================================================== */

@media (max-width: 800px) {

    .site-header.header-final {
        height: auto;
        overflow: visible;
    }

    .header-final-image {
        position: relative;

        top: 0;

        width: 100%;
        height: auto;
    }

    .header-final-home {
        display: none;
    }

    .header-search-box {
        position: relative;

        left: auto;
        top: auto;

        width: calc(100% - 36px);

        margin: 12px auto;
    }

    .header-final-nav {
        position: relative;

        left: auto;
        right: auto;
        top: auto;

        width: 100%;

        padding: 12px 18px;

        justify-content: center;

        flex-wrap: wrap;

        gap: 10px 16px;
    }

    .quick-tool-section {
        width: calc(100% - 30px);
    }

    .quick-tool-header {
        flex-direction: column;

        align-items: flex-start;
    }

    .quick-mortgage-form {
        grid-template-columns: 1fr;
    }

}


/* ==================================================
   HOMEPAGE QUICK MORTGAGE - FINAL HORIZONTAL LAYOUT
================================================== */

.hero {
    padding: 28px 0 18px !important;
}

.hero h1 {
    margin: 0 0 8px;
}

.hero p {
    margin: 0;
}


/* Quick calculator sits immediately below hero */

.quick-tool-section {
    width: min(1180px, calc(100% - 40px)) !important;

    margin: 0 auto 32px !important;
    padding: 0 !important;
}


/* Title */

.quick-tool-header {
    display: flex;

    justify-content: space-between;
    align-items: flex-end;

    gap: 20px;

    margin: 0 0 12px !important;
}

.quick-tool-header h2 {
    margin: 0 0 4px;

    font-size: 22px;
}

.quick-tool-header p {
    margin: 0;
}


/* White calculator bar */

.quick-tool {
    padding: 16px 18px !important;

    background: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 14px;

    box-shadow:
        0 4px 16px rgba(15,23,42,0.05);
}


/* EXACT horizontal row */

.quick-mortgage-form {
    display: grid !important;

    grid-template-columns:
        1.25fr
        1fr
        1fr
        1fr
        0.85fr
        1fr !important;

    gap: 14px !important;

    align-items: end;
}


/* Fields */

.quick-field {
    min-width: 0;
}

.quick-field label {
    display: block;

    margin: 0 0 7px;

    color: #172033;

    font-size: 13px;
    font-weight: 700;
}

.quick-field input,
.quick-field select,
#quickCurrencySelectorContainer select {
    width: 100%;
    height: 44px;

    box-sizing: border-box;
}


/* Buttons now occupy sixth column */

.quick-mortgage-actions {
    display: grid !important;

    grid-template-columns: 1fr auto;

    gap: 7px !important;

    margin: 0 !important;
}

.quick-mortgage-actions button {
    height: 44px;

    margin: 0;

    white-space: nowrap;
}

#quickMortgageCalculate {
    min-width: 110px;
}

#quickMortgageClear {
    min-width: 52px;
}


/* Results underneath in one compact line */

.quick-results-row {
    display: grid;

    grid-template-columns: 1fr 1fr;

    gap: 12px;

    margin-top: 12px;
}

.quick-loan-preview,
.quick-result {
    margin: 0 !important;
}


/* TABLET */

@media (max-width: 1050px) {

    .quick-mortgage-form {
        grid-template-columns:
            repeat(3, minmax(0, 1fr)) !important;
    }

}


/* MOBILE */

@media (max-width: 700px) {

    .quick-mortgage-form {
        grid-template-columns: 1fr !important;
    }

    .quick-mortgage-actions {
        grid-template-columns: 1fr 1fr;
    }

    .quick-results-row {
        grid-template-columns: 1fr;
    }

}


/* ==================================================
   HEADER SEARCH - POSITION FIX
================================================== */

.header-search-box {
    left: 20% !important;
    top: 18px !important;

    width: 235px !important;
}

.header-search-box input {
    width: 100% !important;
    height: 42px !important;
}


/* Give navigation more room */

.header-final-nav {
    left: 39% !important;
    right: 3% !important;
    top: 30px !important;
}


/* MOVE HEADER CONTROLS RIGHT */

.header-search-box {
    left: 22% !important;
}

.header-final-nav {
    left: 41% !important;
    right: 2% !important;
}


/* MOVE HEADER CONTROLS LEFT */

.header-search-box {
    left: 18% !important;
}

.header-final-nav {
    left: 37% !important;
    right: 4% !important;
}


/* MOVE HEADER CONTROLS FURTHER LEFT */

.header-search-box {
    left: 15% !important;
}

.header-final-nav {
    left: 34% !important;
    right: 6% !important;
}


/* ==================================================
   HEADER CONTROLS - NAV LEFT / SEARCH RIGHT
================================================== */

/* Navigation on LEFT */

.header-final-nav {
    left: 20% !important;
    right: auto !important;
    top: 30px !important;

    width: auto !important;

    justify-content: flex-start !important;
}


/* Search on RIGHT */

.header-search-box {
    left: auto !important;
    right: 4% !important;
    top: 18px !important;

    width: 235px !important;
}


/* SEARCH BAR - MOVE LEFT */

.header-search-box {
    left: auto !important;
    right: 8% !important;
}


/* SEARCH BAR - MOVE LEFT */

.header-search-box {
    left: auto !important;
    right: 4% !important;
}


/* SEARCH BAR - MOVE LEFT */

.header-search-box {
    left: auto !important;
    right: 6% !important;
}


/* ALLOW SEARCH RESULTS OUTSIDE HEADER */

.site-header.header-final {
    overflow: visible !important;
}

.header-search-results {
    z-index: 9999 !important;
}


/* ==================================================
   HEADER SEARCH - RESTORE + KEEP DROPDOWN VISIBLE
================================================== */

.site-header.header-final {
    position: relative !important;
    overflow: visible !important;
}


/* Restore search box */

.header-search-box {
    display: block !important;

    position: absolute !important;

    left: auto !important;
    right: 8% !important;
    top: 18px !important;

    width: 235px !important;

    z-index: 100 !important;
}


/* Search input */

.header-search-box input {
    display: block !important;

    width: 100% !important;
    height: 42px !important;

    box-sizing: border-box;
}


/* Dropdown */

.header-search-results {
    position: absolute !important;

    left: 0 !important;
    top: calc(100% + 7px) !important;

    width: 100% !important;

    z-index: 9999 !important;
}


/* Keep nav away from search */

.header-final-nav {
    left: 18% !important;
    right: 27% !important;
}


/* ==================================================
   HEADER SEARCH RESULTS
================================================== */

.header-search-box {
    z-index: 20 !important;
}

.header-search-results {
    position: absolute;

    left: 0;
    top: calc(100% + 7px);

    width: 100%;

    display: none;

    overflow: hidden;

    background: #ffffff;

    border: 1px solid #dce6eb;
    border-radius: 12px;

    box-shadow:
        0 12px 30px rgba(15, 23, 42, 0.13);

    z-index: 50;
}

.header-search-results.is-open {
    display: block;
}

.header-search-results a {
    display: block;

    padding: 11px 14px;

    color: #172033;

    font-size: 13px;
    font-weight: 600;

    text-decoration: none;

    border-bottom: 1px solid #eef2f5;
}

.header-search-results a:last-child {
    border-bottom: 0;
}

.header-search-results a:hover {
    background: #f2fbf9;
    color: #0f9f91;
}

.header-search-empty {
    padding: 12px 14px;

    color: #64748b;

    font-size: 13px;
}


/* ==================================================
   REPAIR SHARED CALCULATOR PAGE LAYOUT
================================================== */

main {
    position: relative;
}


/* LEFT CALCULATOR DIRECTORY */

.calculator-tools-sidebar {
    position: absolute;

    left: max(24px, calc(50% - 720px));
    top: 42px;

    width: 200px;

    font-size: 13px;

    z-index: 5;
}

.calculator-tools-sidebar .sidebar-group {
    margin-bottom: 28px;
}

.calculator-tools-sidebar .sidebar-group h3 {
    margin: 0 0 10px;

    color: #0f3c4c;

    font-size: 14px;
    font-weight: 700;

    line-height: 1.3;
}

.calculator-tools-sidebar .sidebar-group a {
    display: block;

    margin: 0 0 8px;

    color: #475569;

    font-size: 13px;
    line-height: 1.35;

    text-decoration: none;
}

.calculator-tools-sidebar .sidebar-group a:hover {
    color: #0f9f91;
}


/* Calculator content stays centered beside sidebar */

.calculator-page.container {
    width: min(980px, calc(100% - 320px));

    margin-left: auto;
    margin-right: auto;
}


/* ==================================================
   SHARED HEADER REPAIR
================================================== */

.site-header.header-final {
    position: relative;

    width: 100%;
    height: 350px;

    margin: 0;
    padding: 0;

    overflow: hidden;

    background: #f5fbfa;
}


/* Header artwork */

.header-final-image {
    position: absolute;

    left: 0;
    top: -105px;

    width: 100%;
    height: auto;

    max-width: none;

    display: block;

    z-index: 0;
}


/* Clickable logo region */

.header-final-home {
    position: absolute;

    left: 3%;
    top: 22%;

    width: 27%;
    height: 42%;

    z-index: 3;
}


/* NAVIGATION LEFT */

.header-final-nav {
    position: absolute;

    left: 20%;
    right: auto;
    top: 30px;

    width: auto;

    display: flex;

    align-items: center;
    justify-content: flex-start;

    flex-wrap: nowrap;

    gap: clamp(13px, 1.15vw, 22px);

    padding: 0;

    background: transparent;

    white-space: nowrap;

    z-index: 10;
}

.header-final-nav a {
    color: #111827;

    font-size: clamp(11px, .82vw, 14px);
    font-weight: 700;

    text-decoration: none;

    white-space: nowrap;
}

.header-final-nav a:hover {
    color: #0f9f91;
}


/* SEARCH RIGHT */

.header-search-box {
    position: absolute;

    left: auto;
    right: 6%;
    top: 18px;

    width: 235px;

    display: block;

    z-index: 20;
}

.header-search-box input {
    display: block;

    width: 100%;
    height: 42px;

    box-sizing: border-box;

    padding: 0 16px;

    border: 1px solid #d7e1e8;
    border-radius: 12px;

    background: rgba(255,255,255,.96);

    color: #172033;

    font-size: 14px;

    outline: none;
}


/* Search dropdown */

.header-search-results {
    position: absolute;

    left: 0;
    top: calc(100% + 7px);

    width: 100%;

    display: none;

    overflow: hidden;

    background: #fff;

    border: 1px solid #dce6eb;
    border-radius: 12px;

    box-shadow:
        0 12px 30px rgba(15,23,42,.13);

    z-index: 9999;
}

.header-search-results.is-open {
    display: block;
}

.header-search-results a {
    display: block;

    padding: 11px 14px;

    color: #172033;

    font-size: 13px;
    font-weight: 600;

    text-decoration: none;

    border-bottom: 1px solid #eef2f5;
}

.header-search-results a:hover {
    background: #f2fbf9;
    color: #0f9f91;
}

.header-search-empty {
    padding: 12px 14px;

    color: #64748b;

    font-size: 13px;
}


/* ==================================================
   RESPONSIVE
================================================== */

@media (max-width: 1150px) {

    .calculator-tools-sidebar {
        display: none;
    }

    .calculator-page.container {
        width: min(100% - 40px, 980px);
    }

}


@media (max-width: 800px) {

    .site-header.header-final {
        height: auto;
    }

    .header-final-image {
        position: relative;

        top: 0;

        width: 100%;
        height: auto;
    }

    .header-final-home {
        display: none;
    }

    .header-final-nav {
        position: relative;

        left: auto;
        right: auto;
        top: auto;

        width: 100%;

        padding: 12px 18px;

        justify-content: center;

        flex-wrap: wrap;

        gap: 10px 16px;
    }

    .header-search-box {
        position: relative;

        left: auto;
        right: auto;
        top: auto;

        width: calc(100% - 36px);

        margin: 12px auto;
    }

}


/* ==================================================
   INNER CALCULATOR PAGE - SIDEBAR POSITION FIX
================================================== */

/* Sidebar begins below breadcrumb/title/intro */

.calculator-tools-sidebar {
    top: 155px !important;
}


/* Give calculator page a clean top area */

.calculator-page.container {
    padding-top: 28px !important;
}


/* Breadcrumb/title remain aligned with calculator content */

.calculator-page .breadcrumb,
.calculator-page > h1,
.calculator-page > .calculator-intro {
    margin-left: 0 !important;
}


/* Keep sidebar from affecting main content width */

.calculator-tools-sidebar {
    width: 200px !important;
}


/* Calculator body starts beside sidebar cleanly */

.calculator-page.container {
    width: min(980px, calc(100% - 320px)) !important;
    margin-left: auto !important;
    margin-right: auto !important;
}


/* ============================================================
   MOBILE AMORTIZATION TABLE SCROLL FIX
   ============================================================ */

@media (max-width: 768px) {

    .amortization-section {
        width: 100%;
        max-width: 100%;
        min-width: 0;
        overflow: hidden;
    }

    .amortization-table-wrap {
        display: block;
        width: 100%;
        max-width: 100%;
        min-width: 0;
        overflow-x: auto !important;
        overflow-y: hidden;
        -webkit-overflow-scrolling: touch;
        touch-action: pan-x pan-y;
        overscroll-behavior-x: contain;
    }

    .amortization-table {
        width: 650px;
        min-width: 650px;
        max-width: none;
    }

}