/* ==========================================================================
   Mortgely — content pages
   Palette taken from index.html so these sit alongside the calculators.
   ========================================================================== */

:root {
  --bg:       #ffffff;
  --bg2:      #F8FAFC;
  --bg3:      #F1F5F9;
  --border:   #E2E8F0;
  --border2:  #CBD5E1;
  --a:        #0EA5E9;
  --ad:       #0284C7;
  --al:       #F0F9FF;
  --amber:    #D97706;
  --ambl:     #FFFBEB;
  --text:     #0F172A;
  --text2:    #475569;
  --text3:    #94A3B8;
  --green:    #059669;
  --red:      #DC2626;

  --sans: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mono: 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;
  --measure: 70ch;
  --r: 14px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0; background: var(--bg); color: var(--text);
  font-family: var(--sans); font-size: 16.5px; line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

/* figures are the substance on a finance site */
.num, td.n, .fig {
  font-family: var(--mono); font-variant-numeric: tabular-nums; letter-spacing: -0.02em;
}
.fig { color: var(--ad); font-weight: 600; }

a { color: var(--ad); }
a:hover { color: var(--a); }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 8px; top: 8px; background: var(--ad); color: #fff; padding: 10px 14px; z-index: 99; }

/* ── nav ─────────────────────────────────────────────────────────────────── */
nav {
  display: flex; align-items: center; gap: 26px; flex-wrap: wrap;
  padding: 15px 24px; border-bottom: 1px solid var(--border);
  background: #fff; position: sticky; top: 0; z-index: 40;
}
.nav-logo {
  display: flex; align-items: center; gap: 9px;
  font-weight: 800; font-size: 19px; letter-spacing: -0.5px;
  color: var(--text); text-decoration: none;
}
.nav-logo-icon {
  width: 30px; height: 30px; border-radius: 8px; background: var(--al);
  display: grid; place-items: center; font-size: 15px;
}
.nav-links { display: flex; gap: 22px; margin-left: auto; flex-wrap: wrap; }
.nav-links a {
  font-size: 14.5px; font-weight: 500; color: var(--text2); text-decoration: none;
  padding: 4px 0; border-bottom: 2px solid transparent;
}
.nav-links a:hover { color: var(--ad); }
.nav-links a[aria-current="page"] { color: var(--ad); border-bottom-color: var(--ad); }
.nav-cta {
  background: var(--ad); color: #fff; border: 0; border-radius: 9px;
  padding: 9px 18px; font: inherit; font-size: 14px; font-weight: 600;
  cursor: pointer; text-decoration: none;
}
.nav-cta:hover { background: var(--a); color: #fff; }

/* ── layout ──────────────────────────────────────────────────────────────── */
.wrap { max-width: 900px; margin: 0 auto; padding: 0 24px; }
.crumbs { font-size: 13px; color: var(--text3); padding: 22px 0 0; }
.crumbs a { color: var(--text3); }

.page-head { padding: 18px 0 32px; border-bottom: 1px solid var(--border); margin-bottom: 36px; }
.eyebrow {
  font-family: var(--mono); font-size: 11px; letter-spacing: 0.13em;
  text-transform: uppercase; color: var(--ad); margin: 0 0 12px;
}
h1 {
  font-size: clamp(29px, 4.4vw, 42px); font-weight: 800; letter-spacing: -1.1px;
  line-height: 1.14; margin: 0 0 15px;
}
h1 em { font-style: normal; color: var(--ad); }
.standfirst { font-size: 18.5px; color: var(--text2); max-width: 62ch; margin: 0 0 14px; line-height: 1.6; }
.byline { font-size: 13.5px; color: var(--text3); margin: 0; }

article { max-width: var(--measure); }
article h2 {
  font-size: clamp(22px, 2.7vw, 28px); font-weight: 700; letter-spacing: -0.5px;
  margin: 44px 0 13px;
}
article h3 { font-size: 17.5px; font-weight: 700; margin: 30px 0 8px; }
article p { margin: 0 0 17px; }
article ul, article ol { margin: 0 0 19px; padding-left: 23px; }
article li { margin-bottom: 9px; }
article strong { font-weight: 700; }

/* ── formula / callouts ──────────────────────────────────────────────────── */
.formula {
  font-family: var(--mono); font-size: 14.5px; color: var(--ad);
  background: var(--al); border: 1px solid #BAE6FD;
  border-radius: 10px; padding: 15px 19px; margin: 24px 0;
  overflow-x: auto; white-space: nowrap;
}
.note, .warn-box {
  border-left: 3px solid var(--a); background: var(--bg2);
  padding: 17px 21px; margin: 26px 0; border-radius: 0 10px 10px 0; font-size: 15.5px;
}
.warn-box { border-left-color: var(--amber); background: var(--ambl); }
.note .lbl, .warn-box .lbl {
  display: block; font-family: var(--mono); font-size: 10px; letter-spacing: 0.13em;
  text-transform: uppercase; color: var(--ad); margin-bottom: 6px;
}
.warn-box .lbl { color: var(--amber); }
.note p:last-child, .warn-box p:last-child { margin-bottom: 0; }

/* ── tables ──────────────────────────────────────────────────────────────── */
.tscroll { overflow-x: auto; margin: 26px 0; }
table {
  width: 100%; border-collapse: collapse; font-size: 14.5px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--r);
}
caption { text-align: left; font-size: 13px; color: var(--text3); padding-bottom: 8px; }
th, td { padding: 11px 15px; text-align: left; border-bottom: 1px solid var(--border); }
th {
  font-family: var(--mono); font-size: 11px; font-weight: 500; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--text2); background: var(--bg2);
}
td { font-family: var(--mono); font-variant-numeric: tabular-nums; }
td:first-child { font-family: var(--sans); color: var(--text2); }
tbody tr:last-child td { border-bottom: 0; }
tbody tr:hover td { background: var(--bg2); }

/* ── cards ───────────────────────────────────────────────────────────────── */
.grid {
  display: grid; gap: 17px; margin: 30px 0;
  grid-template-columns: repeat(auto-fill, minmax(265px, 1fr));
}
.card {
  display: block; text-decoration: none; color: inherit; background: #fff;
  border: 1px solid var(--border); border-radius: var(--r); padding: 21px;
  transition: border-color .15s, transform .15s, box-shadow .15s;
}
.card:hover {
  border-color: var(--a); transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(14,165,233,.09);
}
.card .kick {
  font-family: var(--mono); font-size: 10px; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--ad); display: block; margin-bottom: 8px;
}
.card h3 { font-size: 17.5px; font-weight: 700; margin: 0 0 7px; letter-spacing: -0.3px; }
.card p { font-size: 14.5px; color: var(--text2); margin: 0; line-height: 1.55; }

/* ── CTA ─────────────────────────────────────────────────────────────────── */
.cta {
  background: var(--al); border: 1px solid #BAE6FD; border-radius: var(--r);
  padding: 25px 27px; margin: 40px 0 0;
  display: flex; gap: 19px; align-items: center; justify-content: space-between; flex-wrap: wrap;
}
.cta p { margin: 0; max-width: 46ch; font-size: 15.5px; color: var(--text2); }
.cta strong { display: block; color: var(--text); font-size: 17.5px; font-weight: 700; margin-bottom: 4px; }
.btn {
  display: inline-block; background: var(--ad); color: #fff; font-weight: 600;
  padding: 12px 23px; border-radius: 9px; text-decoration: none; font-size: 15px; white-space: nowrap;
}
.btn:hover { background: var(--a); color: #fff; }

.related { border-top: 1px solid var(--border); margin-top: 46px; padding-top: 25px; }
.related h2 { font-size: 18.5px; margin: 0 0 14px; }
.related ul { list-style: none; padding: 0; margin: 0; }
.related li { margin-bottom: 9px; }

/* ── ad slot ─────────────────────────────────────────────────────────────── */
.ad-slot { margin: 36px 0; text-align: center; min-height: 90px; }
.ad-lbl {
  font-family: var(--mono); font-size: 10px; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--text3); display: block; margin-bottom: 6px;
}

/* ── footer ──────────────────────────────────────────────────────────────── */
footer {
  margin-top: 64px; border-top: 1px solid var(--border); background: var(--bg2);
  padding: 34px 24px; font-size: 14px; color: var(--text2);
}
.foot-inner { max-width: 900px; margin: 0 auto; }
.foot-links { display: flex; gap: 19px; flex-wrap: wrap; margin-bottom: 16px; }
.foot-links a { text-decoration: none; }
.foot-note { font-size: 13px; line-height: 1.8; color: var(--text3); }

a:focus-visible, .card:focus-visible, .btn:focus-visible, .nav-cta:focus-visible {
  outline: 2px solid var(--ad); outline-offset: 3px; border-radius: 4px;
}
@media (prefers-reduced-motion: reduce) {
  * { transition-duration: .01ms !important; scroll-behavior: auto !important; }
}
@media (max-width: 640px) {
  nav { gap: 13px; padding: 13px 16px; }
  .nav-links { margin-left: 0; width: 100%; gap: 15px; }
  .wrap { padding: 0 17px; }
  .cta { padding: 21px; }
}