:root{--bg:#FAF8F5;--bg2:#F4EEE6;--ink:#1a2744;--muted:#5b6475;--gold:#b8956a;--line:#e4ded6;--navy2:#141d33;--green:#2f6d52;--red:#9d3b3b}
*{margin:0;padding:0;box-sizing:border-box}
html,body{background:var(--bg)}
body{color:var(--ink);font-family:'Inter',system-ui,-apple-system,Arial,sans-serif;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%}
a{color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 32px}
.bar{position:sticky;top:0;z-index:20;display:flex;justify-content:space-between;align-items:center;padding:16px 32px;background:rgba(250,248,245,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar .logo{height:26px}
.bar .r{display:flex;align-items:center;gap:18px}
.bar .ph{font-size:13px;font-weight:600;text-decoration:none;color:var(--ink)}
.bar .apply{position:relative;overflow:hidden;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;color:#fff;background:var(--ink);padding:11px 20px;border-bottom:2px solid var(--gold)}
.bar .apply::after{content:"";position:absolute;top:0;bottom:0;left:-80%;width:55%;background:linear-gradient(100deg,rgba(255,255,255,0),rgba(255,255,255,.5),rgba(255,255,255,0));transform:skewX(-18deg);animation:ctaShimmer 2.8s ease-in-out infinite;pointer-events:none}
@keyframes ctaShimmer{0%{left:-80%}45%{left:130%}100%{left:130%}}
@media(prefers-reduced-motion:reduce){.bar .apply::after{display:none}}
@media(max-width:560px){.bar .ph{display:none}}
.head{padding:54px 0 26px}
.eyebrow{font-size:12px;letter-spacing:.34em;text-transform:uppercase;font-weight:600;color:var(--gold);margin-bottom:16px}
.head h1{font-family:'Cormorant Garamond',Georgia,serif;font-weight:500;font-size:clamp(32px,4.6vw,52px);line-height:1.04;letter-spacing:-.01em}
.head p{font-size:16px;line-height:1.65;color:#39425a;max-width:640px;margin-top:16px}
.cnav{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 0}
.cnav a{font-size:12px;letter-spacing:.04em;font-weight:600;text-decoration:none;color:var(--muted);padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff}
.cnav a.on{color:#fff;background:var(--ink);border-color:var(--ink)}
/* calculator layout */
.calc{display:grid;grid-template-columns:1fr 420px;gap:28px;align-items:start;padding:14px 0 10px}
.panel{background:#fff;border:1px solid var(--line);border-radius:6px;padding:28px;box-shadow:0 20px 44px -36px rgba(26,39,68,.4)}
.panel h2{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;font-size:22px;margin-bottom:18px}
.fld{margin-bottom:17px}
.fld label{display:block;font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--ink);margin-bottom:7px}
.fld .wrap-in{position:relative;display:flex;align-items:center;border:1px solid var(--line);border-radius:4px;background:var(--bg);transition:border-color .2s}
.fld .wrap-in:focus-within{border-color:var(--gold)}
.fld .pre,.fld .suf{padding:0 12px;color:var(--muted);font-size:14px;font-weight:600;white-space:nowrap}
.fld input,.fld select{flex:1;width:100%;border:none;background:transparent;padding:12px 10px;font-family:'Inter',sans-serif;font-size:15px;font-weight:600;color:var(--ink);outline:none;-webkit-appearance:none;appearance:none}
.fld select{padding-right:28px}
.fld .hint{font-size:11.5px;color:var(--muted);margin-top:5px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.seg{display:flex;border:1px solid var(--line);border-radius:4px;overflow:hidden;margin-top:2px}
.seg button{flex:1;border:none;background:var(--bg);padding:10px;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);cursor:pointer}
.seg button.on{background:var(--ink);color:#fff}
/* results */
.res{position:sticky;top:90px;background:var(--navy2);color:#fff;border-radius:6px;padding:30px 28px;border-top:3px solid var(--gold)}
.res .rl{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.6);font-weight:600}
.res .big{font-family:'Cormorant Garamond',Georgia,serif;font-weight:500;font-size:clamp(40px,6vw,56px);line-height:1;margin:8px 0 4px;color:#fff}
.res .big .cents{font-size:.5em;color:rgba(255,255,255,.72)}
.res .sub{font-size:13px;color:rgba(255,255,255,.66);margin-bottom:22px}
.res .rows{border-top:1px solid rgba(255,255,255,.14);padding-top:18px}
.res .row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:14px;padding:8px 0;color:rgba(255,255,255,.85)}
.res .row .k{color:rgba(255,255,255,.62)}
.res .row .v{font-weight:700;font-variant-numeric:tabular-nums}
.res .row .v.good{color:#8fd3b0}
.res .row .v.bad{color:#e6a3a3}
.res .verdict{margin-top:18px;padding:14px 16px;border-radius:4px;font-size:14px;font-weight:600;text-align:center}
.res .verdict.pass{background:rgba(143,211,176,.16);color:#bfe8d2;border:1px solid rgba(143,211,176,.3)}
.res .verdict.fail{background:rgba(230,163,163,.14);color:#edc2c2;border:1px solid rgba(230,163,163,.3)}
.res .cta{display:block;margin-top:20px;text-align:center;background:#fff;color:var(--ink);text-decoration:none;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:14px;border-bottom:2px solid var(--gold)}
.disc{font-size:11.5px;color:var(--muted);line-height:1.5;margin-top:16px;max-width:640px}
/* schedule / long output */
.tablewrap{margin-top:22px;max-height:360px;overflow:auto;border:1px solid var(--line);border-radius:6px;background:#fff}
table.amort{width:100%;border-collapse:collapse;font-size:12.5px}
table.amort th{position:sticky;top:0;background:var(--bg2);text-align:right;padding:10px 12px;font-weight:600;letter-spacing:.04em;color:var(--ink);border-bottom:1px solid var(--line)}
table.amort th:first-child{text-align:left}
table.amort td{text-align:right;padding:8px 12px;border-bottom:1px solid var(--line);color:#2b3346;font-variant-numeric:tabular-nums}
table.amort td:first-child{text-align:left;color:var(--muted)}
/* about + faq */
.about{max-width:760px;padding:40px 0 10px}
.about h2{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;font-size:28px;margin:30px 0 14px}
.about p{font-size:15.5px;line-height:1.75;color:#2b3346;margin-bottom:14px}
.faq{border-top:1px solid var(--line);margin-top:10px}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{list-style:none;cursor:pointer;padding:18px 0;font-size:16px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq .a{padding:0 0 18px;font-size:15px;line-height:1.7;color:#2b3346}
/* hub grid */
.hubgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding:20px 0 10px}
.hcard{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:6px;padding:26px 24px;transition:transform .3s,box-shadow .3s}
@media(hover:hover){.hcard:hover{transform:translateY(-4px);box-shadow:0 26px 50px -30px rgba(26,39,68,.5)}}
.hcard .hk{font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--gold);margin-bottom:12px}
.hcard h3{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;font-size:24px;line-height:1.1;margin-bottom:8px}
.hcard p{font-size:14px;line-height:1.55;color:var(--muted)}
.back{display:inline-block;margin:26px 0 6px;font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--ink);border-bottom:2px solid var(--gold);padding-bottom:3px}
.foot{background:var(--navy2);color:rgba(255,255,255,.7);padding:52px 0 44px;margin-top:44px}
.foot .fnav{display:flex;gap:22px;flex-wrap:wrap;font-size:12px;letter-spacing:.1em;text-transform:uppercase;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:30px}
.foot .fnav a{color:rgba(255,255,255,.72);text-decoration:none}
.foot .fbot{margin-top:26px;font-size:11px;letter-spacing:.06em;line-height:1.95;color:rgba(255,255,255,.55);text-transform:uppercase}
.foot .fbot b{color:rgba(255,255,255,.82)}
.foot .fbot a{color:#c9ad86;text-decoration:underline}
.eyebrow,.hcard .hk,.cnav a:not(.on){color:#7d6244}
@media(max-width:900px){.calc{grid-template-columns:1fr}.res{position:static}.hubgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.hubgrid{grid-template-columns:1fr}.two{grid-template-columns:1fr}}

/* Mobile horizontal lock (V8.31) — nothing may widen the page on phones */
html,body{max-width:100%;overflow-x:clip}
img,svg,video,canvas,iframe{max-width:100%}

/* Tap targets and readability (V8.32) */
.brand{min-height:44px}
.back{display:inline-flex;align-items:center;min-height:44px}
.bar .ph,.bar .si,.bar .apply,.nr .ph{min-height:40px;display:inline-flex;align-items:center;white-space:nowrap}
.nr a[href*="portal.lexingtonhl.com"]{min-height:40px;display:inline-flex;align-items:center;white-space:nowrap}
@media(max-width:620px){.bar .ph{display:none}.bar .si{display:inline-flex;padding:0 12px}.bar .r{gap:10px}}
@media(max-width:860px){.topnav .ph{display:none}}
a[href*="google.com/search"]{display:inline-flex;align-items:center;min-height:40px}
.foot .fbot{font-size:12.5px;line-height:1.75}
.foot .fbot a,.fbot a{display:inline-block;padding:5px 0;font-size:12.5px}
.foot .fnav a{display:inline-block;padding:6px 0}
.crumb a{display:inline-block;padding:8px 0}
.phero .eyebrow{color:#ead6b2;text-shadow:0 1px 2px rgba(0,0,0,.5)}
@media(max-width:760px){
  .catnav .in{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .catnav .in::-webkit-scrollbar{display:none}
  .catnav a{white-space:nowrap;flex-shrink:0;min-height:40px;display:inline-flex;align-items:center}
}
/* Touch targets, inner pages (V8.32) */
.bar > a:first-child{display:inline-flex;align-items:center;min-height:44px}
.nmls a,.verify a,a[href="/licensing/"]{display:inline-block;padding:8px 0}
.fnav a[href="/licensing/"]{padding:6px 0}
.lnav a[href="/licensing/"]{padding:7px 13px}

/* Focus states (V8.32) */
.fld .wrap-in:focus-within,.fld select:focus-visible{outline:2px solid var(--ink,#1a2744);outline-offset:2px}

/* Sign in everywhere (V8.32) */
.bar .si{font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--ink);border:1px solid var(--line);padding:10px 15px}
.bar .si:hover{border-color:var(--gold)}

/* Phone header fit (V8.32) */
@media(max-width:430px){.bar{padding-left:16px;padding-right:16px}.bar .logo{height:21px}.bar .si{padding:0 10px}.bar .apply{padding-left:14px;padding-right:14px}.topbar .in{padding-left:16px;padding-right:16px}.brand img{height:21px}.tb-cta{gap:10px}.tb-cta .signin{padding:10px 10px}}