/* Loan Tax Calculator — CSS Starter */
/* Copy into your site's Base.css or adapt as needed */

:root {
  --background: #f4f3ec;
  --text: #15242f;
  --primary: #173e5c;
  --secondary: #5c6f7c;
  --link: #0e5c43;
  --accent: #1c7a52;
  --accent-soft: #e1eee5;
  --navy: #10222f;
  --paper: #fbfaf5;
  --amber: #a8641a;
  --amber-soft: #f6ead6;
  --sky: #2a5f8a;
  --sky-soft: #e2ebf3;
  --ink-soft: #e6e9ec;
  --grid: #173e5c0f;
  --shadow: #15242f29;
  --border: color-mix(in srgb, var(--text) 14%, transparent);
  --muted: color-mix(in srgb, var(--text) 60%, var(--background));
  --surface: var(--paper);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--background);color:var(--text);margin:0;font-family:Public Sans,system-ui,sans-serif;line-height:1.6}
a{color:var(--link);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:2px solid var(--primary);outline-offset:3px}

.wrap{width:min(1080px,100% - 2rem);margin-inline:auto}

/* Header */
.site-header{z-index:30;background:color-mix(in srgb,var(--paper) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--border);position:sticky;top:0}
.header-inner{display:flex;justify-content:space-between;align-items:center;gap:.75rem 1rem;padding:.7rem 0;flex-wrap:wrap}
.brand{align-items:center;gap:.55rem;font-family:Fraunces,Georgia,serif;font-size:1.12rem;font-weight:600;color:var(--text);text-decoration:none;display:inline-flex}
.brand-logo{border-radius:7px;flex-shrink:0;width:1.75rem;height:1.75rem}
.site-nav{gap:.25rem;display:flex;align-items:center}
.site-nav a{opacity:.8;border-radius:999px;padding:.42rem .8rem;font-weight:500;font-size:.92rem;color:var(--text);text-decoration:none;transition:background .15s,opacity .15s}
.site-nav a:hover{background:var(--ink-soft);opacity:1}
.site-nav a[aria-current=page]{background:var(--accent-soft);color:var(--link);opacity:1;font-weight:600}

/* Hero */
.hero-home{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,1fr);align-items:center;gap:clamp(1.5rem,4vw,3rem);padding:1.5rem 0 2.5rem}
.hero-home h1{color:var(--navy);margin:0 0 1rem;font-size:clamp(2.3rem,5vw,3.5rem);line-height:1.04;font-family:Fraunces,Georgia,serif}
.hero-home h1 em{color:var(--accent);font-style:italic}
.hero-home .lede{color:var(--muted);max-width:30rem;margin:0;font-size:1.08rem}
.hero-points{gap:.55rem;margin:1.6rem 0 0;padding:0;list-style:none;display:grid}
.hero-points li{align-items:baseline;gap:.6rem;font-size:.95rem;display:flex}
.hero-points li:before{content:"";background:var(--accent);border-radius:50%;flex-shrink:0;width:.5rem;height:.5rem}

@media (width<=920px){.hero-home{grid-template-columns:1fr}}

/* Calculator Widget */
.calc{background:var(--navy);color:#e8eff3;border-radius:18px;box-shadow:0 18px 40px var(--shadow);display:grid;gap:1.4rem;padding:clamp(1.1rem,3vw,1.6rem)}
.calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
@media (width<=560px){.calc-inputs{grid-template-columns:1fr}}
.calc-field{text-transform:uppercase;letter-spacing:.07em;color:#a9bcc8;gap:.35rem;font-size:.74rem;font-weight:700;display:grid}
.calc-input{background:#ffffff12;border:1px solid #ffffff29;border-radius:10px;align-items:center;gap:.4rem;padding:.55rem .75rem;display:flex}
.calc-input:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px #1c7a5259}
.calc-input i{color:#8fa5b2;font-style:normal}
.calc-input input,.calc-input select{color:#f2f7f9;width:100%;font:inherit;font-variant-numeric:tabular-nums;text-transform:none;letter-spacing:0;background:0 0;border:0;font-size:1rem}
.calc-input input:focus,.calc-input select:focus{outline:none}
.calc-input select option{color:var(--text)}
.calc-results{border-top:1px solid #ffffff24;padding-top:1.2rem}
.calc-label{text-transform:uppercase;letter-spacing:.12em;color:#9fc3ae;margin:0;font-size:.74rem;font-weight:700}
.calc-payment{color:#7fd6a4;margin:.15rem 0 1rem;font-family:Fraunces,Georgia,serif;font-size:clamp(2.4rem,5vw,3.2rem);line-height:1}
.calc-bar{background:#ffffff1f;border-radius:999px;height:.65rem;display:flex;overflow:hidden}
.calc-bar-p{background:#7fd6a4;transition:width .2s}
.calc-bar-i{background:#e0b45c;transition:width .2s}
.calc-legend{color:#b9c9d2;flex-wrap:wrap;gap:.4rem 1.25rem;margin:.6rem 0 1rem;font-size:.82rem;display:flex}
.calc-legend b{color:#eef4f7;font-weight:600}
.dot{border-radius:50%;width:.6rem;height:.6rem;margin-right:.35rem;display:inline-block}
.dot-p{background:#7fd6a4}
.dot-i{background:#e0b45c}
.calc-totals{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin:0}
@media (width<=560px){.calc-totals{grid-template-columns:1fr}}
.calc-totals div{background:#ffffff0f;border-radius:10px;padding:.6rem .75rem}
.calc-totals dt{text-transform:uppercase;letter-spacing:.08em;color:#93a9b5;font-size:.68rem;font-weight:700}
.calc-totals dd{color:#f2f7f9;margin:.15rem 0 0;font-size:1.05rem;font-weight:600}
.calc-note{color:#8fa5b2;margin:.9rem 0 0;font-size:.78rem}

/* Card Grid */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:1rem;margin:0;padding:0;list-style:none}
.tool-card{background:var(--surface);border:1px solid var(--border);height:100%;color:inherit;border-radius:16px;align-content:start;gap:.5rem;padding:1.25rem 1.3rem;text-decoration:none;transition:transform .16s,box-shadow .16s,border-color .16s;display:grid}
.tool-card:hover{box-shadow:0 14px 30px var(--shadow);border-color:color-mix(in srgb,var(--accent) 45%,var(--border));text-decoration:none;transform:translateY(-3px)}
.tool-card h3{margin:0;font-size:1.12rem;line-height:1.25;color:var(--navy);font-family:Fraunces,Georgia,serif}
.tool-card p{color:var(--muted);margin:0;font-size:.9rem}
.tool-icon{background:var(--accent-soft);width:2.6rem;height:2.6rem;color:var(--accent);border-radius:12px;place-items:center;margin-bottom:.25rem;display:grid}
.tool-cta{color:var(--link);margin-top:.3rem;font-size:.85rem;font-weight:600}

/* Property Tax Band */
.band{background:var(--navy);color:#dfe9ee;border-radius:22px;margin:2.5rem 0;padding:clamp(1.5rem,4vw,2.5rem)}
.band h2{color:#f4f8fa;margin:0 0 .4rem;font-size:clamp(1.5rem,3vw,2rem);font-family:Fraunces,Georgia,serif}
.band>p:not(.eyebrow){color:#a9bcc8;max-width:36rem;margin:0 0 1.4rem}
.rate-list{gap:.55rem;margin:0 0 1.5rem;padding:0;list-style:none;display:grid}
.rate-row{color:inherit;background:#ffffff0d;border:1px solid #ffffff1a;border-radius:12px;grid-template-columns:2rem 1fr auto;align-items:center;gap:.75rem;padding:.65rem 1rem;text-decoration:none;display:grid}
.rate-row:hover{background:#ffffff1a;text-decoration:none}
.rate-pos{color:#7fd6a4;font-family:Fraunces,Georgia,serif;font-size:1.05rem}
.rate-name{color:#eef4f7;font-weight:600}
.rate-value{color:#9fc3ae;font-weight:600}

/* Detail Pages */
.detail{max-width:46rem}
.detail h1{color:var(--navy);margin-bottom:.75rem;font-size:clamp(1.9rem,4vw,2.7rem);line-height:1.08;font-family:Fraunces,Georgia,serif}
.detail .summary{border-left:3px solid var(--accent);margin:0 0 1.5rem;padding-left:1rem;color:var(--muted);font-size:1.08rem}
.detail section{margin-top:2.25rem}
.detail h2{margin:0 0 .85rem;font-size:1.4rem;font-family:Fraunces,Georgia,serif;align-items:center;gap:.6rem;display:flex}
.detail h2:before{content:"";background:var(--accent);border-radius:2px;flex-shrink:0;width:.55rem;height:.55rem;transform:rotate(45deg)}
.back{border:1px solid var(--border);background:var(--surface);color:var(--secondary);border-radius:999px;align-items:center;gap:.3rem;padding:.25rem .7rem;font-size:.82rem;font-weight:600;display:inline-flex}
.back:hover{border-color:var(--accent);color:var(--link);text-decoration:none}

/* Worked Example */
.kv-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.6rem;margin:0}
.kv{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:.7rem .9rem}
.kv dt{text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-size:.7rem;font-weight:700}
.kv dd{margin:.2rem 0 0;font-weight:600}

/* Sensitivity Table */
.table-wrap{background:var(--surface);border:1px solid var(--border);border-radius:14px;overflow-x:auto}
.data-table{border-collapse:collapse;width:100%;font-size:.92rem}
.data-table th{text-align:left;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);background:color-mix(in srgb,var(--background) 55%,var(--surface));border-bottom:1px solid var(--border);white-space:nowrap;padding:.75rem 1rem;font-size:.7rem;font-weight:700}
.data-table td{border-bottom:1px solid var(--border);padding:.7rem 1rem}
.data-table tbody tr:last-child td{border-bottom:0}
.data-table tbody tr:hover{background:color-mix(in srgb,var(--accent-soft) 50%,transparent)}
.data-table .num{text-align:right;font-variant-numeric:tabular-nums}

/* Formula Box */
.formula-box{background:var(--accent-soft);border:1px solid color-mix(in srgb,var(--accent) 30%,transparent);border-radius:14px;padding:1.05rem 1.25rem}
.formula-box p{margin:0;font-size:.95rem;line-height:1.7}

/* FAQ Accordion */
.faq-list{gap:.6rem;display:grid}
.faq{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:0 1.1rem;transition:border-color .15s}
.faq[open]{border-color:color-mix(in srgb,var(--accent) 40%,var(--border))}
.faq summary{cursor:pointer;justify-content:space-between;align-items:center;gap:1rem;padding:.85rem 0;font-weight:600;list-style:none;display:flex}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--accent);flex-shrink:0;font-size:1.25rem;line-height:1;background:var(--accent-soft);border-radius:50%;place-items:center;width:1.6rem;height:1.6rem;display:grid}
.faq[open] summary:after{content:"–"}
.faq p{color:var(--muted);margin:0 0 1rem}

/* Callout Boxes */
.callout{background:var(--amber-soft);border:1px solid color-mix(in srgb,var(--amber) 30%,transparent);border-radius:14px;grid-template-columns:auto 1fr;align-items:start;gap:.85rem;padding:1rem 1.15rem;font-size:.9rem;display:grid}
.callout-icon{background:var(--paper);width:2rem;height:2rem;color:var(--amber);border-radius:50%;place-items:center;font-family:Fraunces,Georgia,serif;font-weight:700;display:grid}
.callout strong{color:var(--navy);margin-bottom:.1rem;display:block}
.callout p{color:color-mix(in srgb,var(--text) 80%,var(--background));margin:0}
.callout-info{background:var(--sky-soft);border-color:color-mix(in srgb,var(--sky) 28%,transparent)}
.callout-info .callout-icon{color:var(--sky)}

/* Link Grid */
.link-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:.75rem;margin:0;padding:0;list-style:none}
.link-card{background:var(--surface);border:1px solid var(--border);height:100%;color:inherit;border-radius:12px;padding:.9rem 1rem;text-decoration:none;transition:border-color .15s,transform .15s;display:block;position:relative;padding-right:2.2rem}
.link-card:after{content:"→";color:var(--muted);transition:transform .15s,color .15s;position:absolute;top:.85rem;right:.95rem}
.link-card:hover{border-color:var(--accent);text-decoration:none;transform:translateY(-2px)}
.link-card:hover:after{color:var(--accent);transform:translate(3px)}
.link-card strong{margin-bottom:.2rem;font-size:.95rem;color:var(--navy);display:block}
.link-card span{color:var(--muted);font-size:.82rem}

/* Footer */
.site-footer{background:var(--navy);color:#a9bcc8;border-top:0;margin-top:3rem;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;padding:2.75rem 0 2rem}
@media (width<=760px){.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>:first-child{grid-column:1/-1}}
.footer-heading{letter-spacing:.14em;text-transform:uppercase;color:#7fd6a4;margin:0 0 .75rem;font-size:.68rem;font-weight:700}
.footer-links{gap:.45rem;margin:0;padding:0;list-style:none;display:grid}
.footer-links a{color:#d5e0e6;opacity:.85;text-decoration:none}
.footer-links a:hover{opacity:1;color:#fff;text-decoration:none}
.footer-brand{color:#f2f7f9;font-family:Fraunces,Georgia,serif;font-size:1.05rem;text-decoration:none}
.footer-note{color:#8fa5b2;margin:.5rem 0 0;font-size:.8rem;line-height:1.5}
.footer-note a{color:#cfe0d8;text-decoration:underline}
.footer-bottom{color:#8fa5b2;border-top:1px solid #ffffff1a;flex-wrap:wrap;justify-content:space-between;gap:.5rem 1rem;padding:1rem 0 1.5rem;font-size:.78rem;display:flex}

/* Estimator (Property Tax State Page) */
.estimator{background:var(--navy);color:#e8eff3;border-radius:16px;padding:1.35rem 1.5rem}
.estimator-row{display:flex;flex-wrap:wrap;align-items:flex-end;gap:1.25rem 2.5rem}
.estimator label{text-transform:uppercase;letter-spacing:.07em;color:#a9bcc8;gap:.35rem;font-size:.74rem;font-weight:700;display:grid}
.estimator input,.estimator select{font:inherit;font-variant-numeric:tabular-nums;color:#f2f7f9;background:#ffffff12;border:1px solid #ffffff29;border-radius:10px;width:11rem;padding:.55rem .75rem;font-size:1.05rem}
.estimator select{width:auto;min-width:13rem}
.estimator select option{color:var(--text)}
.estimator input:focus,.estimator select:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px #1c7a5259}
.estimator-out{display:flex;flex-wrap:wrap;gap:1rem 2.5rem}
.estimator-out span{text-transform:uppercase;letter-spacing:.08em;color:#9fc3ae;font-size:.7rem;font-weight:700;display:block}
.estimator-out .big{color:#7fd6a4;font-family:Fraunces,Georgia,serif;font-size:1.9rem;line-height:1.15}
.estimator-note{color:#8fa5b2;margin:1rem 0 0;font-size:.78rem}

/* Comparison Chart */
.cmp-chart{display:grid;gap:.5rem}
.cmp-row{display:grid;grid-template-columns:minmax(7rem,10rem) 1fr 3.5rem;align-items:center;gap:.75rem;font-size:.88rem}
.cmp-name{font-weight:600}
.cmp-track{background:color-mix(in srgb,var(--text) 8%,transparent);border-radius:999px;height:.7rem;overflow:hidden}
.cmp-bar{background:var(--primary);border-radius:999px;height:100%;display:block}
.cmp-row:first-child .cmp-bar{background:var(--accent)}
.cmp-avg .cmp-bar{background:repeating-linear-gradient(45deg,var(--secondary),var(--secondary) 4px,transparent 4px,transparent 8px)}
.cmp-avg .cmp-name{color:var(--muted);font-weight:500}
.cmp-value{text-align:right;font-variant-numeric:tabular-nums;color:var(--muted)}
@media (width<=560px){.cmp-row{grid-template-columns:1fr 3.5rem}.cmp-name{grid-column:1/-1}}

/* Steps */
.steps{background:var(--surface);border:1px solid var(--border);border-radius:16px;display:grid;grid-template-columns:repeat(3,1fr);margin:.5rem 0 1rem;padding:0;list-style:none;overflow:hidden}
.steps li{gap:.9rem;padding:1.15rem 1.25rem;display:flex}
.steps li+li{border-left:1px dashed var(--border)}
.steps strong{color:var(--navy);font-size:.98rem;display:block;font-family:Fraunces,Georgia,serif}
.steps p{color:var(--muted);margin:.15rem 0 0;font-size:.86rem}
.step-num{border:1.5px solid var(--accent);width:2.2rem;height:2.2rem;color:var(--accent);border-radius:50%;flex-shrink:0;place-items:center;font-family:Fraunces,Georgia,serif;font-weight:600;display:grid}
@media (width<=760px){.steps{grid-template-columns:1fr}.steps li+li{border-left:0;border-top:1px dashed var(--border)}}

/* Eyebrow */
.eyebrow,p.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--accent);margin:0 0 .8rem;font-size:.72rem;font-weight:700;display:inline-flex;align-items:center;gap:.5rem}
.eyebrow:before{content:"";background:currentColor;border-radius:2px;width:1.1rem;height:2px}

/* Section utilities */
.section{padding:1.75rem 0}
.section-head-block{max-width:36rem;margin-bottom:1.4rem}
.section-head-block h2{margin:0 0 .4rem;font-size:clamp(1.5rem,3vw,2.1rem);font-family:Fraunces,Georgia,serif}
.section-head-block p:not(.eyebrow){color:var(--muted);margin:0}
.section-note{color:var(--muted);font-size:.9rem}

/* Skip link */
.skip{z-index:40;background:var(--surface);border:1px solid var(--border);color:var(--text);padding:.5rem .85rem;position:absolute;top:-3.5rem;left:1rem}
.skip:focus{top:.75rem}

/* Selection */
::selection{background:var(--accent-soft);color:var(--navy)}