:root {
  --bg-white: #FFFFFF;
  --bg-subtle: #F5F5F7;
  --border-light: #E5E5EA;
  --border-hover: #D1D1D6;
  --text-dark: #1D1D1F;
  --text-body: #515154;
  --text-muted: #6E6E73;
  --text-subtle: #86868B;
  --radius-card: 24px;
  --radius-pill: 9999px;

  /* Semantic Soft Tints */
  --good-bg: #ECFDF5;
  --good-border: #A7F3D0;
  --good-text: #065F46;

  --warn-bg: #FFFBEB;
  --warn-border: #FDE68A;
  --warn-text: #92400E;

  --bad-bg: #FEF2F2;
  --bad-border: #FECACA;
  --bad-text: #991B1B;
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background-color: var(--bg-white);
  color: var(--text-dark);
  line-height: 1.5;
  font-size: 15px;
}

.mono {
  font-family: 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;
  font-feature-settings: "tnum" on, "lnum" on;
}

.container {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Sticky Frosted Glass Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.82);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid var(--border-light);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--text-dark);
}

.brand-monogram {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--text-dark);
  color: var(--bg-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: -0.02em;
}

.brand-name {
  font-weight: 700;
  font-size: 16px;
  letter-spacing: -0.025em;
}

.brand-tag {
  font-size: 11px;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: var(--radius-pill);
  background: var(--bg-subtle);
  color: var(--text-muted);
  border: 1px solid var(--border-light);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
}

.nav-links a {
  text-decoration: none;
  color: var(--text-body);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.15s ease;
}

.nav-links a:hover {
  color: var(--text-dark);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

/* Pill Buttons & Toggles */
.pill-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  background: var(--text-dark);
  color: var(--bg-white);
  border: 1px solid var(--text-dark);
  border-radius: var(--radius-pill);
  padding: 9px 18px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.15s ease;
  text-decoration: none;
  white-space: nowrap;
}

.pill-btn:hover {
  opacity: 0.88;
  transform: translateY(-1px);
}

.pill-btn-outline {
  background: var(--bg-white);
  color: var(--text-dark);
  border: 1px solid var(--border-light);
}

.pill-btn-outline:hover {
  border-color: var(--border-hover);
  background: var(--bg-subtle);
  opacity: 1;
}

.pill-btn-founder {
  font-size: 12px;
  padding: 6px 12px;
}

.pill-btn-founder.active {
  background: var(--good-bg);
  border-color: var(--good-border);
  color: var(--good-text);
}

.lang-switch {
  display: inline-flex;
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-pill);
  padding: 2px;
}

.lang-btn {
  border: none;
  background: transparent;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
}

.lang-btn.active {
  background: var(--bg-white);
  color: var(--text-dark);
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.06);
}

/* Benchmarks Ticker Bar */
.benchmarks-bar {
  background: var(--bg-subtle);
  border-bottom: 1px solid var(--border-light);
  padding: 10px 0;
  font-size: 12px;
}

.benchmarks-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.benchmark-items {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.benchmark-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--text-body);
}

.benchmark-label {
  font-weight: 600;
  color: var(--text-muted);
}

.delta-pill {
  padding: 1px 6px;
  border-radius: var(--radius-pill);
  font-size: 11px;
  font-weight: 600;
}

.delta-good {
  background: var(--good-bg);
  color: var(--good-text);
  border: 1px solid var(--good-border);
}

.delta-warn {
  background: var(--warn-bg);
  color: var(--warn-text);
  border: 1px solid var(--warn-border);
}

.delta-neutral {
  background: var(--bg-white);
  color: var(--text-muted);
  border: 1px solid var(--border-light);
}

/* Hero Section */
.hero {
  padding: 52px 0 32px;
  text-align: center;
}

.status-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  background: var(--good-bg);
  border: 1px solid var(--good-border);
  color: var(--good-text);
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 18px;
}

.pulse-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--good-text);
}

.hero-problem {
  font-size: 15px;
  color: var(--text-muted);
  max-width: 680px;
  margin: 0 auto 10px;
  font-weight: 500;
}

.hero h1 {
  font-size: clamp(32px, 4.5vw, 48px);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  color: var(--text-dark);
  margin-bottom: 14px;
}

.hero-subtitle {
  font-size: 16px;
  color: var(--text-body);
  max-width: 660px;
  margin: 0 auto;
}

/* Calculator Control Card */
.controls-card {
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-card);
  padding: 24px;
  margin-bottom: 28px;
}

.controls-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 0.9fr 1fr;
  gap: 20px;
  align-items: end;
}

.control-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.control-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.control-value {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
}

.preset-pills {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}

.preset-pill {
  flex: 1;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-pill);
  padding: 8px 10px;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-body);
  cursor: pointer;
  transition: all 0.12s ease;
  text-align: center;
}

.preset-pill:hover {
  border-color: var(--border-hover);
}

.preset-pill.active {
  background: var(--text-dark);
  color: var(--bg-white);
  border-color: var(--text-dark);
}

.segmented-control {
  display: flex;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-pill);
  padding: 3px;
}

.seg-btn {
  flex: 1;
  border: none;
  background: transparent;
  padding: 7px 10px;
  border-radius: var(--radius-pill);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-body);
  cursor: pointer;
  transition: all 0.12s ease;
}

.seg-btn.active {
  background: var(--text-dark);
  color: var(--bg-white);
}

.controls-footer {
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.loan-summary-pills {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.summary-pill {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-pill);
  padding: 5px 12px;
  font-size: 12px;
  color: var(--text-body);
}

.summary-pill strong {
  color: var(--text-dark);
}

.insurance-toggle-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  user-select: none;
}

.insurance-toggle-label input {
  width: 16px;
  height: 16px;
  accent-color: var(--text-dark);
  cursor: pointer;
}

/* Founder Banner when Founder Mode is Active */
.founder-banner {
  display: none;
  background: var(--good-bg);
  border: 1px solid var(--good-border);
  border-radius: 16px;
  padding: 14px 20px;
  margin-bottom: 20px;
  color: var(--good-text);
  font-size: 13px;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.founder-banner.visible {
  display: flex;
}

/* Stack Rank List */
.stack-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 56px;
}

.offer-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-card);
  padding: 22px 24px;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.offer-card:hover {
  border-color: var(--border-hover);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.03);
}

.offer-card.top-rank {
  border-color: var(--good-border);
}

.offer-card.disabled-ltv {
  opacity: 0.62;
  background: var(--bg-subtle);
}

.offer-main {
  display: grid;
  grid-template-columns: 2.1fr 1.1fr 1.1fr 1.2fr auto;
  gap: 18px;
  align-items: center;
}

.bank-info {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.rank-badge {
  min-width: 36px;
  height: 36px;
  border-radius: 12px;
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  color: var(--text-dark);
}

.rank-badge.rank-1,
.rank-badge.rank-2 {
  background: var(--good-bg);
  border-color: var(--good-border);
  color: var(--good-text);
}

.bank-title-row {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 3px;
}

.bank-name {
  font-weight: 700;
  font-size: 17px;
  letter-spacing: -0.02em;
}

.offer-name {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.offer-pills {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}

.tag-pill {
  font-size: 11px;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: var(--radius-pill);
  background: var(--bg-subtle);
  color: var(--text-body);
  border: 1px solid var(--border-light);
}

.tag-good {
  background: var(--good-bg);
  border-color: var(--good-border);
  color: var(--good-text);
}

.tag-warn {
  background: var(--warn-bg);
  border-color: var(--warn-border);
  color: var(--warn-text);
}

.tag-bad {
  background: var(--bad-bg);
  border-color: var(--bad-border);
  color: var(--bad-text);
}

.metric-col {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.metric-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-subtle);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.metric-primary {
  font-size: 21px;
  font-weight: 700;
  color: var(--text-dark);
  letter-spacing: -0.02em;
}

.metric-sub {
  font-size: 12px;
  color: var(--text-muted);
}

.cta-col {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 6px;
}

.verified-stamp {
  font-size: 11px;
  color: var(--text-subtle);
}

.founder-payout-pill {
  display: none;
  margin-top: 4px;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  background: var(--good-bg);
  border: 1px solid var(--good-border);
  color: var(--good-text);
  font-size: 11px;
  font-weight: 700;
}

body.founder-mode .founder-payout-pill {
  display: inline-flex;
}

/* Section Headers */
.section-block {
  margin-bottom: 64px;
}

.section-header {
  margin-bottom: 20px;
}

.section-header h2 {
  font-size: 26px;
  font-weight: 800;
  letter-spacing: -0.025em;
  margin-bottom: 6px;
}

.section-header p {
  font-size: 15px;
  color: var(--text-muted);
}

/* Refinancing Radar Card */
.refi-card {
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-card);
  padding: 28px;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 28px;
  align-items: center;
}

.refi-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.input-box {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.input-box label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
}

.input-box input,
.input-box select {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: 12px;
  padding: 11px 14px;
  font-size: 15px;
  font-weight: 600;
  color: var(--text-dark);
  outline: none;
}

.input-box input:focus,
.input-box select:focus {
  border-color: var(--text-dark);
}

.refi-result-box {
  background: var(--bg-white);
  border: 1px solid var(--good-border);
  border-radius: 20px;
  padding: 22px;
}

.refi-savings-badge {
  display: inline-block;
  background: var(--good-bg);
  color: var(--good-text);
  border: 1px solid var(--good-border);
  border-radius: var(--radius-pill);
  padding: 4px 12px;
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 10px;
}

.refi-big-number {
  font-size: 30px;
  font-weight: 800;
  color: var(--good-text);
  letter-spacing: -0.03em;
  margin-bottom: 6px;
}

.refi-sub {
  font-size: 13px;
  color: var(--text-body);
  margin-bottom: 16px;
}

/* Changelog Grid */
.changelog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.changelog-item {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: 18px;
  padding: 18px 20px;
}

.changelog-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.changelog-date {
  font-size: 12px;
  color: var(--text-subtle);
}

.changelog-bank {
  font-weight: 700;
  font-size: 15px;
  margin-bottom: 4px;
}

.changelog-note {
  font-size: 13px;
  color: var(--text-body);
}

/* Modal */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(29, 29, 31, 0.45);
  backdrop-filter: blur(8px);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 200;
  padding: 20px;
}

.modal-backdrop.open {
  display: flex;
}

.modal-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-card);
  max-width: 520px;
  width: 100%;
  padding: 28px;
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.14);
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 16px;
}

.modal-close {
  border: 1px solid var(--border-light);
  background: var(--bg-subtle);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 16px;
  color: var(--text-body);
}

.modal-summary {
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  border-radius: 16px;
  padding: 14px 16px;
  margin-bottom: 18px;
  font-size: 13px;
}

.modal-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.modal-form input {
  width: 100%;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--border-light);
  font-size: 14px;
}

.founder-modal-note {
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: 14px;
  background: var(--good-bg);
  border: 1px solid var(--good-border);
  color: var(--good-text);
  font-size: 12px;
}

.site-footer {
  border-top: 1px solid var(--border-light);
  padding: 32px 0 48px;
  color: var(--text-subtle);
  font-size: 13px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

@media (max-width: 920px) {
  .controls-grid {
    grid-template-columns: 1fr 1fr;
  }
  .offer-main {
    grid-template-columns: 1fr 1fr;
  }
  .bank-info {
    grid-column: 1 / -1;
  }
  .cta-col {
    grid-column: 1 / -1;
    align-items: stretch;
  }
  .refi-card,
  .changelog-grid {
    grid-template-columns: 1fr;
  }
  .nav-links {
    display: none;
  }
}