:root {
    --mortgage-bg: #f5f7fb;
    --mortgage-surface: #ffffff;
    --mortgage-border: #e4e9f2;
    --mortgage-accent: #0b3d91;
    --mortgage-accent-2: #29b6f6;
    --mortgage-gold: #d4af37;
    --mortgage-text: #172033;
    --mortgage-muted: #5f6b7b;
}

body {
    background: var(--mortgage-bg);
    color: var(--mortgage-text);
}

body.dark-mode {
    --mortgage-bg: #07121f;
    --mortgage-surface: #121c2d;
    --mortgage-border: #243248;
    --mortgage-text: #f4f7fb;
    --mortgage-muted: #93a0b3;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--mortgage-border);
}

body.dark-mode .site-header {
    background: rgba(7, 18, 31, 0.95);
}

body.dark-mode .site-header,
body.dark-mode .mortgage-page,
body.dark-mode .mortgage-page section,
body.dark-mode .calculator-card,
body.dark-mode .mortgage-card,
body.dark-mode .calculator-panel,
body.dark-mode .result-card,
body.dark-mode .mortgage-page input,
body.dark-mode .mortgage-page select,
body.dark-mode .mortgage-page textarea {
    border-color: transparent !important;
}

body.dark-mode .calculator-card,
body.dark-mode .mortgage-card,
body.dark-mode .calculator-panel,
body.dark-mode .result-card,
body.dark-mode .mortgage-page input,
body.dark-mode .mortgage-page select,
body.dark-mode .mortgage-page textarea {
    background: var(--mortgage-surface) !important;
    color: var(--mortgage-text) !important;
    box-shadow: none !important;
}

.nav-shell {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 20px;
    gap: 18px;
}

.brand {
    display: flex;
    align-items: center;
    gap: 14px;
}

.brand-mark {
    display: grid;
    place-items: center;
    width: 44px;
    height: 44px;
    border-radius: 14px;
    background: linear-gradient(135deg, var(--mortgage-accent), var(--mortgage-accent-2));
    color: white;
    font-weight: 700;
}

.brand-copy {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.brand-copy strong {
    color: var(--mortgage-text);
    font-size: 0.95rem;
}

.brand-copy small {
    color: var(--mortgage-muted);
}

.site-nav {
    display: flex;
    gap: 18px;
    flex-wrap: wrap;
}

.site-nav a {
    color: var(--mortgage-muted);
    font-weight: 600;
}

.site-nav a:hover,
.site-nav a:focus-visible {
    color: var(--mortgage-accent);
}

.mortgage-page {
    padding-bottom: 60px;
    padding-top: 0;
}

.hero-section {
    position: relative;
    box-sizing: border-box;
    min-height: 100vh;
    height: auto;
    display: flex;
    align-items: center;
    padding: 72px 0;
    background:
        /* linear-gradient(135deg, rgba(10, 27, 50, 0.78), rgba(11, 61, 145, 0.62)), */
        url('../asset/mmm2.jpg')  no-repeat left center;
        background-size: contain; 
        background-color: #72CECB;;  /* Fills empty space */

}

.hero-grid {
    display: grid;
    gap: 24px;
    grid-template-columns: 1.2fr 0.8fr;
    align-items: center;
    position: relative;
    z-index: 1;
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-weight: 700;
    color: #042568;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    font-size: 0.78rem;
    margin-bottom: 10px;
}

/* .hero-section .eyebrow,
.hero-section .hero-copy h1,
.hero-section .hero-text,
.hero-section .btn-outline-dark {
    color: white
} */

.hero-copy h1 {
    font-size: clamp(2rem, 4vw, 3.2rem);
    line-height: 1.1;
    margin-bottom: 16px;
    color: whitesmoke;
}

.hero-text{
    font-size: 1rem;
    max-width: 650px;
    color: whitesmoke;
    font-weight: 600;
    line-height: 1.8;
    text-shadow: 0 2px 10px rgba(0,0,0,0.45);
}

.hero-section .btn-outline-dark {
    border-color: rgba(255, 255, 255, 0.7);
    background: rgba(6, 56, 183, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.35);
    
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
    margin-top: 24px; /* moves it down */

   
}

.hero-section .btn-outline-dark:hover,
.hero-section .btn-outline-dark:focus-visible {
    background: var(--mortgage-surface) !important;
    border-color: var(--mortgage-surface) !important;
    color: var(--mortgage-accent) !important;
    box-shadow: 0 10px 26px rgba(11, 61, 145, 0.24) !important;
    transform: translateY(-2px) !important;
}

.hero-actions {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 20px;
    align-items: flex-start;
}

.hero-actions .btn-primary{
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 205px;
    height: 50px;
    padding: 13px 20px;
    border-radius: 999px;
    font-size: 14px;
    line-height: 1.2;
    white-space: nowrap;
     margin-top: 24px; /* moves it down */

}

.btn-outline-dark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 13px 20px;
    border-radius: 999px;
    border: 1px solid var(--mortgage-border);
    background: transparent;
    color: var(--mortgage-text);
    font-weight: 700;
    cursor: pointer;
}

.btn-secondary {
    padding: 13px 20px;
    border-radius: 999px;
    background: var(--mortgage-gold);
    color: white;
    border: none;
    cursor: pointer;
    font-weight: 700;
}

.hero-card,
.calculator-card {
    border: 1px solid var(--mortgage-border);
    border-radius: 24px;
    background: var(--mortgage-surface);
    box-shadow: 0 20px 40px rgba(11,61,145,0.08);
}

.hero-card {
    padding: 24px;
}

.hero-card-top {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 18px;
}

.pill {
    display: inline-flex;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(11,61,145,0.1);
    color: var(--mortgage-accent);
    font-weight: 700;
    font-size: 0.8rem;
}

.pill.muted {
    background: rgba(212,175,55,0.14);
    color: #7a5f09;
}

.hero-metric strong {
    display: block;
    font-size: clamp(1.7rem, 3vw, 2.4rem);
    color: var(--mortgage-accent);
}

.hero-metric span {
    color: var(--mortgage-muted);
}

.hero-highlights {
    display: grid;
    gap: 8px;
    margin-top: 16px;
    color: var(--mortgage-muted);
}

.calculator-section,
.charts-section,
.schedule-section,
.saved-section {
    margin-top: 24px;
}

.section-heading {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    align-items: end;
    margin-bottom: 18px;
}

.section-copy {
    color: var(--mortgage-muted);
    max-width: 480px;
}

.calculator-grid {
    display: grid;
    gap: 20px;
    grid-template-columns: 1.05fr 0.95fr;
}

.calculator-card {
    padding: 24px;
}

.card-header {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    align-items: start;
    margin-bottom: 18px;
}

.card-header.compact {
    margin-bottom: 12px;
}

.card-kicker {
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--mortgage-accent-2);
    margin-bottom: 4px;
}

.form-grid {
    display: grid;
    gap: 16px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
    font-weight: 600;
    color: var(--mortgage-text);
}

.field-group.inline-field {
    min-width: 140px;
}

.field-group span {
    font-size: 0.95rem;
}

.field-group input,
.field-group select {
    padding: 12px 14px;
    border: 1px solid var(--mortgage-border);
    border-radius: 12px;
    background: var(--mortgage-bg);
    color: var(--mortgage-text);
    font: inherit;
}

.field-group input:focus,
.field-group select:focus {
    outline: 2px solid rgba(41,182,246,0.28);
    border-color: var(--mortgage-accent-2);
}

.helper-box {
    margin-top: 18px;
    padding: 14px 16px;
    border-radius: 16px;
    background: rgba(41,182,246,0.1);
    color: var(--mortgage-muted);
}

.results-stack {
    display: grid;
    gap: 16px;
}

.summary-actions {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.payment-hero {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    margin-bottom: 18px;
    padding: 16px 18px;
    border-radius: 18px;
    background: linear-gradient(135deg, rgba(11,61,145,0.09), rgba(41,182,246,0.08));
}

.overview-label {
    color: var(--mortgage-muted);
    margin-bottom: 6px;
}

.payment-hero h4 {
    font-size: clamp(1.5rem, 2.6vw, 2.3rem);
    color: var(--mortgage-accent);
}

.badge-pill {
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(212,175,55,0.16);
    color: #7a5f09;
    font-weight: 700;
}

.breakdown-grid {
    display: grid;
    gap: 12px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    margin-bottom: 16px;
}

.breakdown-item,
.summary-meta-card {
    padding: 14px;
    border-radius: 16px;
    background: var(--mortgage-bg);
    border: 1px solid var(--mortgage-border);
}

.breakdown-item span,
.summary-meta-card span {
    display: block;
    font-size: 0.85rem;
    color: var(--mortgage-muted);
}

.breakdown-item strong,
.summary-meta-card strong {
    font-size: 1rem;
    color: var(--mortgage-text);
}

.summary-meta-grid {
    display: grid;
    gap: 12px;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.chart-layout {
    display: grid;
    gap: 16px;
    grid-template-columns: minmax(220px, 280px) 1fr;
    align-items: center;
}

.pie-chart {
    min-height: 220px;
    border-radius: 50%;
    background: conic-gradient(var(--mortgage-accent) 0 35%, var(--mortgage-accent-2) 35% 55%, var(--mortgage-gold) 55% 70%, #7f8ea3 70% 100%);
    position: relative;
}

.pie-chart::after {
    content: '';
    position: absolute;
    inset: 26%;
    border-radius: 50%;
    background: var(--mortgage-surface);
}

.legend-list {
    display: grid;
    gap: 10px;
}

.legend-list li {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    color: var(--mortgage-muted);
}

.legend-list span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    display: inline-block;
}

.chart-frame {
    width: 100%;
    overflow: auto;
    padding-top: 10px;
}

#balance-chart {
    width: 100%;
    min-width: 640px;
    height: auto;
}

.schedule-table-shell {
    overflow-x: auto;
}

.schedule-table {
    width: 100%;
    border-collapse: collapse;
}

.schedule-table th,
.schedule-table td {
    padding: 12px 10px;
    text-align: left;
    border-bottom: 1px solid var(--mortgage-border);
}

.schedule-table thead {
    background: rgba(11,61,145,0.06);
}

.schedule-details {
    margin-top: 16px;
    color: var(--mortgage-muted);
}

.saved-calculations {
    display: grid;
    gap: 12px;
}

.saved-item {
    border: 1px solid var(--mortgage-border);
    border-radius: 16px;
    padding: 14px;
    display: flex;
    justify-content: space-between;
    gap: 12px;
    align-items: center;
    flex-wrap: wrap;
}

.saved-item strong {
    color: var(--mortgage-accent);
}

.site-footer {
    padding: 30px 0 50px;
}

.footer-shell {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    color: var(--mortgage-muted);
    border-top: 1px solid var(--mortgage-border);
    padding-top: 20px;
    flex-wrap: wrap;
}

body.dark-mode .site-footer,
body.dark-mode .footer-shell {
    border: 0;
    background: transparent;
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0,0,0,0);
    white-space: nowrap;
    border: 0;
}

@media (max-width: 980px) {
    .calculator-grid,
    .hero-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 720px) {
    html,
    body {
        overflow-x: hidden;
    }

    .form-grid,
    .breakdown-grid,
    .summary-meta-grid,
    .chart-layout {
        grid-template-columns: 1fr;
    }

    .section-heading,
    .card-header,
    .payment-hero,
    .summary-actions,
    .footer-shell {
        flex-direction: column;
        align-items: start;
    }

    .hero-section {
        min-height: 100vh;
        height: auto;
        padding: 88px 0 40px;
    }

    .hero-grid {
        gap: 18px;
    }

    .hero-actions {
        flex-direction: column;
        align-items: flex-start;
        gap: 12px;
        margin-top: 18px;
    }

    .hero-section .btn-primary,
    .hero-section .btn-outline-dark {
        margin-top: 0;
    }

    .hero-actions .btn-primary {
        width: min(205px, 100%);
    }

    .hero-card {
        margin-top: 32px;
    }

    .hero-card,
    .calculator-card {
        padding: 18px;
    }
}