/* ==========================================================================
   LoanOctopus.com — brand theme (the only stylesheet)

   Palette sampled from the logo (purple octopus + green cash + pink suckers):
     primary purple #A030C0 · dark #7A22A0 · deep #40105F · ink #2C0B41
     light #F3E6FA · line #E3CCF2 · pink #F4A6C0
     money green #5B8C3E · green dark #3F6629 · green light #EAF3E2

   Everything below is token-driven: change a token in :root and every page
   follows. No build step, no framework, no external dependency.
   ========================================================================== */

/* ------------------------------------------------------------------ tokens */
:root{
  /* brand */
  --purple:#A030C0;
  --purple-bright:#B23AD3;
  --purple-dark:#7A22A0;
  --purple-mid:#6B1C93;
  --purple-deep:#40105F;
  --purple-ink:#2C0B41;
  --purple-light:#F3E6FA;
  --purple-line:#E3CCF2;
  --pink:#F4A6C0;
  --green:#5B8C3E;
  /* button greens: white on --green is only 3.99:1, so CTAs use a deeper step */
  --green-cta:#4C7A31;
  --green-cta-hover:#456E2B;
  --green-ink:#35561F;
  --green-dark:#3F6629;
  --green-light:#EAF3E2;

  /* neutrals */
  --ink:#1A1A1A;
  --body:#3B3B47;
  --muted:#5F5F6E;
  --line:#E6E6EE;
  --bg:#FFFFFF;
  --surface:#FAF8FC;

  /* spacing — 4px base */
  --sp-1:4px;
  --sp-2:8px;
  --sp-3:12px;
  --sp-4:16px;
  --sp-5:20px;
  --sp-6:24px;
  --sp-7:32px;
  --sp-8:40px;
  --sp-9:56px;

  /* radii */
  --radius-sm:10px;
  --radius:14px;
  --radius-lg:20px;
  --radius-pill:999px;

  /* elevation */
  --shadow-xs:0 1px 2px rgba(64,16,95,.05);
  --shadow:0 1px 2px rgba(64,16,95,.05),0 10px 24px -14px rgba(64,16,95,.22);
  --shadow-lg:0 2px 6px rgba(64,16,95,.06),0 26px 52px -22px rgba(64,16,95,.34);
  --shadow-key:0 3px 0 var(--purple-deep);
  --shadow-key-green:0 3px 0 var(--green-ink);

  /* type scale — every font-size in this file resolves to one of these */
  --font:"Nunito","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --fs-xs:.8rem;      /* 12.8px — labels, meta, legal */
  --fs-sm:.875rem;    /* 14px   — secondary copy, captions */
  --fs-md:.95rem;     /* 15.2px — card bodies, table text */
  --fs-base:1rem;     /* 16px   — UI controls */
  --fs-lg:1.0625rem;  /* 17px   — body copy */
  --fs-xl:1.15rem;    /* 18.4px — intro paragraphs, h3 */
  --fs-2xl:1.25rem;   /* 20px   — card headings */
  --fs-3xl:1.4rem;    /* 22.4px — small screens h2 */
  --fs-4xl:1.5rem;    /* 24px   — wordmark, stat figures */
  --fs-5xl:1.85rem;   /* 29.6px — small screens h1 */
  --fs-h1:clamp(2rem,1.4rem + 2.3vw,3rem);
  --fs-h2:clamp(1.45rem,1.2rem + .85vw,1.9rem);

  /* layout */
  --wrap:1140px;
  --measure:68ch;
  --header-h:92px;
  --ease:cubic-bezier(.2,.7,.3,1);
}

/* -------------------------------------------------------------------- base */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--body);
  font-family:var(--font);font-size:var(--fs-lg);line-height:1.7;
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--purple-dark);text-decoration:none;transition:color .15s ease}
a:hover{color:var(--purple);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1.5px}
:focus-visible{outline:3px solid var(--purple);outline-offset:2px}
::selection{background:var(--purple-light);color:var(--purple-deep)}

h1,h2,h3,h4{color:var(--purple-ink);font-weight:800;line-height:1.22;margin:0 0 .55em;letter-spacing:-.015em;text-wrap:balance}
h1{font-size:var(--fs-h1);font-weight:900;line-height:1.08;letter-spacing:-.028em}
h2{font-size:var(--fs-h2);margin-top:1.7em}
h3{font-size:var(--fs-xl);line-height:1.32;margin-top:1.4em}
h4{font-size:var(--fs-base)}
p{margin:0 0 1.1em;max-width:var(--measure);text-wrap:pretty}
ul,ol{margin:0 0 1.1em;padding-left:1.35em}
li{margin:.4em 0}
strong{color:var(--purple-ink)}
hr{border:0;border-top:1px solid var(--line);margin:2.4em 0}
code{background:var(--purple-light);color:var(--purple-deep);padding:.14em .45em;border-radius:6px;font-size:.9em}

/* ------------------------------------------------------------------ layout */
.container{max-width:var(--wrap);margin:0 auto;padding:0 var(--sp-5);position:relative}
.main-wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--sp-5)}
.wrap-narrow{max-width:780px;margin:0 auto;padding:0 var(--sp-5)}
main{display:block}

.section{padding-top:clamp(48px,6vw,84px);padding-bottom:clamp(48px,6vw,84px)}
.section-alt{
  background:linear-gradient(180deg,var(--surface) 0%,#fff 100%);
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.section-head{max-width:660px;margin-bottom:clamp(26px,3vw,42px)}
.section-head h2{margin:0 0 .45em}
.section-head h2::before{
  content:"";display:block;width:46px;height:4px;border-radius:var(--radius-pill);
  background:linear-gradient(90deg,var(--purple),var(--pink));margin-bottom:var(--sp-4);
}
.section-head p{color:var(--muted);font-size:var(--fs-lg);margin:0}
.section-more{margin:var(--sp-7) 0 0}
.section-more a{font-weight:800}

.grid{display:grid;gap:var(--sp-5);align-items:stretch}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
/* Calculator cards: fill the row, never squeeze a title onto three lines. */
.grid-tools{grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:var(--sp-4)}

/* --------------------------------------------------------------- skip link */
.skip-link{
  position:absolute;top:-120px;left:var(--sp-4);z-index:200;
  background:var(--purple-deep);color:#fff;font-weight:800;padding:12px 20px;
  border-radius:0 0 var(--radius-sm) var(--radius-sm);box-shadow:var(--shadow-lg);
  transition:top .18s var(--ease);
}
.skip-link:focus{top:0;color:#fff;text-decoration:none}

/* ------------------------------------------------------------------ header */
.header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.94);
  backdrop-filter:saturate(180%) blur(12px);
  -webkit-backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--purple-line);
}
.header::after{
  content:"";position:absolute;left:0;right:0;bottom:-1px;height:1px;pointer-events:none;
  background:linear-gradient(90deg,transparent,rgba(160,48,192,.45) 30%,rgba(244,166,192,.5) 70%,transparent);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:var(--sp-4);min-height:var(--header-h)}

.logo{display:inline-flex;align-items:center;gap:10px;flex-shrink:0;padding:var(--sp-1);margin:calc(var(--sp-1) * -1);border-radius:var(--radius-sm)}
.logo:hover{text-decoration:none}
.logo-mark{width:44px;height:44px;flex:none;transition:transform .25s var(--ease)}
.logo:hover .logo-mark{transform:rotate(-7deg) scale(1.05)}
.logo-img{height:78px;width:auto;display:block}
.logo-word{
  display:inline-flex;align-items:baseline;white-space:nowrap;
  font-size:var(--fs-4xl);font-weight:900;line-height:1;letter-spacing:-.035em;
  color:var(--purple-ink);
}
.logo-word-accent{color:var(--purple)}
.logo-word-tld{color:var(--muted);font-size:.78em;font-weight:800;letter-spacing:-.015em}

.nav{display:flex;align-items:center;gap:2px;flex-wrap:wrap}
.nav-link{
  color:var(--purple-ink);font-weight:700;font-size:var(--fs-md);
  padding:10px 14px;border-radius:var(--radius-sm);
  transition:background-color .15s ease,color .15s ease;
}
.nav-link:hover{background:var(--purple-light);color:var(--purple-deep);text-decoration:none}
.nav-cta{
  display:inline-flex;align-items:center;
  background:linear-gradient(180deg,var(--purple-bright),var(--purple-dark));
  color:#fff;font-weight:800;font-size:var(--fs-md);padding:12px 22px;margin-left:var(--sp-2);
  border-radius:var(--radius-sm);box-shadow:var(--shadow-key);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),filter .15s ease;
}
.nav-cta:hover{color:#fff;text-decoration:none;transform:translateY(-1px);box-shadow:0 5px 0 var(--purple-deep);filter:brightness(1.06)}
.nav-cta:active{transform:translateY(2px);box-shadow:0 1px 0 var(--purple-deep)}
.nav-toggle{
  display:none;align-items:center;justify-content:center;width:44px;height:44px;padding:0;
  background:#fff;border:2px solid var(--purple-line);border-radius:var(--radius-sm);
  color:var(--purple-deep);cursor:pointer;
  transition:background-color .15s ease,border-color .15s ease;
}
.nav-toggle:hover{background:var(--purple-light);border-color:var(--purple)}
.nav-toggle svg{width:22px;height:22px;display:block}

/* -------------------------------------------------------------------- hero */
.hero{
  position:relative;overflow:hidden;color:#fff;
  padding:clamp(44px,6vw,78px) 0 clamp(52px,7vw,92px);
  background:
    radial-gradient(90% 120% at 88% 6%,rgba(244,166,192,.30) 0%,rgba(244,166,192,0) 58%),
    radial-gradient(80% 110% at 4% 104%,rgba(91,140,62,.26) 0%,rgba(91,140,62,0) 62%),
    linear-gradient(140deg,var(--purple-ink) 0%,var(--purple-deep) 38%,var(--purple-mid) 72%,var(--purple-dark) 100%);
}
/* faint dotted texture, fading out to the right */
.hero::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.16) 1px,transparent 1px);
  background-size:22px 22px;opacity:.55;
  -webkit-mask-image:linear-gradient(115deg,#000 0%,rgba(0,0,0,.35) 45%,transparent 72%);
  mask-image:linear-gradient(115deg,#000 0%,rgba(0,0,0,.35) 45%,transparent 72%);
}
/* soft glow behind the copy */
.hero::after{
  content:"";position:absolute;left:-140px;bottom:-200px;width:460px;height:460px;
  border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(255,255,255,.12),rgba(255,255,255,0) 70%);
}
.hero-grid{
  position:relative;z-index:2;
  display:grid;grid-template-columns:minmax(0,1.06fr) minmax(0,.94fr);
  align-items:center;gap:clamp(28px,4vw,60px);
}
.hero-inner{position:relative;z-index:2;max-width:620px}
.hero h1{color:#fff;font-size:var(--fs-h1);margin-bottom:.4em}
.hero p{color:#F1E2FA;font-size:var(--fs-xl);line-height:1.65;max-width:600px;margin-bottom:0}
.hero-actions{display:flex;gap:var(--sp-3);flex-wrap:wrap;margin-top:var(--sp-7)}
.hero-badge{
  display:inline-flex;align-items:center;gap:var(--sp-2);
  background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.28);
  color:#fff;font-size:var(--fs-xs);font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  padding:7px 15px;border-radius:var(--radius-pill);margin-bottom:var(--sp-5);
  backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
}
.hero-badge::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--pink);box-shadow:0 0 0 3px rgba(244,166,192,.28)}
.hero-stats{display:flex;flex-wrap:wrap;gap:var(--sp-6);margin-top:var(--sp-8);padding-top:var(--sp-6);border-top:1px solid rgba(255,255,255,.18);max-width:600px}
.hero-stat{display:flex;flex-direction:column;gap:2px}
.hero-stat strong{color:#fff;font-size:var(--fs-4xl);font-weight:900;line-height:1;letter-spacing:-.02em}
.hero-stat span{color:#D9BEEA;font-size:var(--fs-sm);font-weight:700;letter-spacing:.01em}
/* The mascot is a real, fully-visible element in the second column, sitting on
   a soft glow so it reads as designed rather than as a cropped watermark. */
.hero-art{
  position:relative;z-index:1;justify-self:end;
  width:100%;max-width:min(420px,34vw);aspect-ratio:1;
  display:flex;align-items:center;justify-content:center;
  pointer-events:none;
}
.hero-art-glow{
  position:absolute;inset:-10%;border-radius:50%;
  background:radial-gradient(circle at 50% 46%,rgba(244,166,192,.42) 0%,rgba(160,48,192,.22) 48%,rgba(255,255,255,0) 74%);
}
.hero-art img{
  position:relative;z-index:1;width:100%;height:auto;display:block;
  filter:drop-shadow(0 22px 44px rgba(16,3,26,.5));
  animation:heroFloat 7s ease-in-out infinite;
}
@keyframes heroFloat{0%,100%{transform:translateY(-9px)}50%{transform:translateY(9px)}}
@media (prefers-reduced-motion:reduce){.hero-art img{animation:none}}

/* ----------------------------------------------------------------- buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:var(--sp-2);
  font-weight:800;font-size:var(--fs-base);line-height:1;padding:16px 28px;
  border-radius:var(--radius-sm);border:0;cursor:pointer;text-align:center;
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),background-color .15s ease,filter .15s ease;
}
.btn:focus-visible{outline:3px solid var(--purple-deep);outline-offset:3px}
.btn-primary{background:linear-gradient(180deg,var(--green-cta),var(--green-cta-hover));color:#fff;box-shadow:var(--shadow-key-green)}
.btn-primary:hover{
  background:linear-gradient(180deg,var(--green-cta-hover),var(--green-ink));color:#fff;text-decoration:none;
  transform:translateY(-2px);box-shadow:0 5px 0 var(--green-ink),0 16px 30px -16px rgba(53,86,31,.9);
}
.btn-primary:active{transform:translateY(1px);box-shadow:0 2px 0 var(--green-ink)}
.btn-ghost{
  background:rgba(255,255,255,.12);color:#fff;border:2px solid rgba(255,255,255,.42);
  backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
}
.btn-ghost:hover{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.72);color:#fff;text-decoration:none;transform:translateY(-2px)}
.btn-purple{background:linear-gradient(180deg,var(--purple-bright),var(--purple));color:#fff;box-shadow:var(--shadow-key)}
.btn-purple:hover{background:linear-gradient(180deg,var(--purple),var(--purple-dark));color:#fff;text-decoration:none;transform:translateY(-2px);box-shadow:0 5px 0 var(--purple-deep)}

/* ------------------------------------------------------------ breadcrumbs */
.breadcrumbs,.crumbs{display:flex;flex-wrap:wrap;align-items:center;font-size:var(--fs-sm);color:var(--muted);margin:var(--sp-5) 0 var(--sp-3)}
.breadcrumbs a,.crumbs a{color:var(--purple-dark);font-weight:700}
.breadcrumbs a:hover,.crumbs a:hover{color:var(--purple)}
.breadcrumbs span,.crumbs span{margin:0 7px;color:var(--purple-line);font-weight:800}

/* ------------------------------------------------------------------ cards */
.card{
  position:relative;display:flex;flex-direction:column;gap:var(--sp-2);
  height:100%;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:var(--sp-6) var(--sp-6) var(--sp-6);box-shadow:var(--shadow-xs);
  transition:transform .18s var(--ease),box-shadow .18s ease,border-color .18s ease;
}
.card::before{
  content:"";position:absolute;left:var(--sp-6);right:var(--sp-6);top:-1px;height:3px;
  border-radius:0 0 var(--radius-pill) var(--radius-pill);
  background:linear-gradient(90deg,var(--purple),var(--pink));
  transform:scaleX(0);transform-origin:left;transition:transform .28s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--purple-line)}
.card:hover::before{transform:scaleX(1)}
.card h3{margin:0;font-size:var(--fs-xl);line-height:1.32;letter-spacing:-.012em}
.card p{color:var(--muted);font-size:var(--fs-md);line-height:1.62;margin:0;max-width:none}
.card-link{display:block;height:100%;color:inherit;border-radius:var(--radius)}
.card-link:hover{text-decoration:none}
.card-link:focus-visible{outline:3px solid var(--purple);outline-offset:3px}
.card-link:hover .card h3{color:var(--purple-dark)}
.card-icon{
  width:46px;height:46px;border-radius:var(--radius);
  background:linear-gradient(160deg,var(--purple-light),#fff);
  border:1px solid var(--purple-line);box-shadow:var(--shadow-xs);
  display:flex;align-items:center;justify-content:center;
  color:var(--purple-dark);margin-bottom:var(--sp-3);
}
.card-icon svg{width:24px;height:24px;display:block}

/* ------------------------------------------------------------------ prose */
.article{max-width:820px}
.article p,.article li{max-width:var(--measure)}
.lead{font-size:var(--fs-xl);line-height:1.62;color:var(--body);font-weight:600;max-width:62ch}
.meta{font-size:var(--fs-sm);color:var(--muted);margin-bottom:var(--sp-7);letter-spacing:.01em}

table{max-width:100%}
.article table,.facts-table{width:100%;border-collapse:separate;border-spacing:0;margin:var(--sp-6) 0;font-size:var(--fs-md);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.article th,.article td,.facts-table th,.facts-table td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.article th,.facts-table th{background:var(--purple-light);color:var(--purple-ink);font-weight:800}
.article tr:last-child td,.facts-table tr:last-child td,.facts-table tr:last-child th{border-bottom:0}
.article tr:first-child th:first-child,.facts-table tr:first-child th:first-child{border-top-left-radius:calc(var(--radius) - 1px)}
.article tr:first-child td:last-child,.facts-table tr:first-child td:last-child{border-top-right-radius:calc(var(--radius) - 1px)}
.article tr:last-child td:last-child,.facts-table tr:last-child td:last-child{border-bottom-right-radius:calc(var(--radius) - 1px)}
.article tr:last-child th:first-child,.facts-table tr:last-child th:first-child{border-bottom-left-radius:calc(var(--radius) - 1px)}
.article ol,.article ul{padding-left:1.4em}

.callout{background:var(--purple-light);border-left:4px solid var(--purple);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:var(--sp-5) var(--sp-6);margin:var(--sp-6) 0}
.callout p:last-child{margin-bottom:0}

/* ---------------------------------------------------------------- sources */
.sources{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:var(--sp-6);margin:var(--sp-8) 0;font-size:var(--fs-sm)}
.sources strong{display:block;margin-bottom:var(--sp-3);color:var(--purple-ink);font-size:var(--fs-xs);text-transform:uppercase;letter-spacing:.1em}
.sources ul{margin:0;padding-left:20px}
.sources li{margin:.45em 0;max-width:var(--measure)}
.sources li a{font-weight:700}

/* -------------------------------------------------------------------- FAQ */
.faq{margin:var(--sp-9) 0}
.faq h2{margin-top:0}
.faq details{
  border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:10px;background:#fff;
  transition:border-color .15s ease,box-shadow .15s ease;
}
.faq details:hover{border-color:var(--purple-line)}
.faq details[open]{border-color:var(--purple-line);box-shadow:var(--shadow)}
.faq summary{
  display:flex;align-items:center;justify-content:space-between;gap:var(--sp-4);
  font-weight:800;color:var(--purple-ink);cursor:pointer;list-style:none;padding:16px 20px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";flex:none;display:flex;align-items:center;justify-content:center;
  width:26px;height:26px;border-radius:50%;background:var(--purple-light);
  color:var(--purple-dark);font-weight:900;font-size:var(--fs-xl);line-height:1;
  transition:transform .22s var(--ease),background-color .18s ease,color .18s ease;
}
.faq details[open] summary::after{content:"–";background:var(--purple);color:#fff;transform:rotate(180deg)}
.faq p{margin:0;padding:0 20px 18px;color:var(--body);max-width:var(--measure)}
.faq details[open] p{animation:rise .22s var(--ease) both}

/* -------------------------------------------------------------------- CTA */
.cta-box{
  position:relative;overflow:hidden;color:#fff;text-align:center;
  background:linear-gradient(150deg,var(--purple-deep) 0%,var(--purple-mid) 55%,var(--purple-dark) 100%);
  border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);
  padding:clamp(30px,4vw,48px) clamp(22px,4vw,52px);
  margin:var(--sp-9) 0;
}
.cta-box::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.11) 1px,transparent 1px);
  background-size:20px 20px;
  -webkit-mask-image:radial-gradient(70% 110% at 50% 0%,#000,transparent 72%);
  mask-image:radial-gradient(70% 110% at 50% 0%,#000,transparent 72%);
}
.cta-box::after{
  content:"";position:absolute;left:50%;top:-160px;width:420px;height:320px;transform:translateX(-50%);
  border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(244,166,192,.28),rgba(244,166,192,0) 70%);
}
.cta-box strong{position:relative;display:block;color:#fff;font-size:clamp(1.25rem,2.4vw,1.6rem);font-weight:900;letter-spacing:-.02em;margin-bottom:10px}
.cta-box p{position:relative;color:#EBD8F7;margin:0 auto 4px;max-width:56ch}
.cta-box .btn{position:relative;margin-top:var(--sp-5)}
.cta-disclosure{position:relative;font-size:var(--fs-sm);color:#DCC6EC;line-height:1.6;margin:var(--sp-5) auto 0;max-width:62ch}

/* ------------------------------------------------------------------- tool */
.tool-card{
  position:relative;overflow:hidden;background:#fff;
  border:1px solid var(--purple-line);border-radius:var(--radius-lg);
  padding:clamp(22px,3vw,34px);box-shadow:var(--shadow-lg);margin:0 0 var(--sp-8);
}
.tool-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--purple),var(--pink) 55%,var(--green))}
.tool-card h2{margin:0 0 var(--sp-5);font-size:var(--fs-2xl);letter-spacing:-.015em}
.tool-form{display:flex;flex-direction:column}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--sp-4) var(--sp-5)}
.tool-field{margin-bottom:var(--sp-4)}
.tool-field label{display:block;font-weight:800;font-size:var(--fs-sm);margin-bottom:7px;color:var(--purple-ink)}
.tool-field input,.tool-field select{
  width:100%;padding:13px 14px;border:2px solid var(--line);border-radius:var(--radius-sm);
  font-size:var(--fs-base);font-family:var(--font);background:#fff;color:var(--ink);
  transition:border-color .15s ease,box-shadow .15s ease;
}
.tool-field input::placeholder{color:#767683}
.tool-field input:hover,.tool-field select:hover{border-color:var(--purple-line)}
.tool-field input:focus,.tool-field select:focus{outline:0;border-color:var(--purple);box-shadow:0 0 0 4px var(--purple-light)}
.tool-field select{
  appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:42px;
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235F5F6E' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:18px 18px;
}
.tool-field .help{font-size:var(--fs-sm);color:var(--muted);margin-top:6px;line-height:1.5}
.tool-btn{
  width:100%;margin-top:var(--sp-2);padding:17px 24px;border:0;border-radius:var(--radius-sm);
  background:linear-gradient(180deg,var(--purple-bright),var(--purple));color:#fff;
  font-size:var(--fs-lg);font-weight:800;font-family:var(--font);letter-spacing:.01em;cursor:pointer;
  box-shadow:var(--shadow-key);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),filter .15s ease;
}
.tool-btn:hover{filter:brightness(1.06);transform:translateY(-1px);box-shadow:0 5px 0 var(--purple-deep)}
.tool-btn:active{transform:translateY(2px);box-shadow:0 1px 0 var(--purple-deep)}
.tool-btn:focus-visible{outline:3px solid var(--purple-deep);outline-offset:3px}

.tool-result{margin-top:var(--sp-6);scroll-margin-top:calc(var(--header-h) + 16px)}
.tool-result:empty{display:none}
.tool-error{
  color:#8F1D1D;background:#FEF3F3;border:1px solid #F6C9C9;border-left:4px solid #C92A2A;
  border-radius:var(--radius-sm);padding:15px 18px;font-weight:600;
}
.tool-primary{
  background:linear-gradient(160deg,var(--purple-light),#FBF7FE);
  border:1px solid var(--purple-line);border-radius:var(--radius);
  padding:var(--sp-6);margin-bottom:var(--sp-5);
  animation:rise .24s var(--ease) both;
}
.tool-primary .label{font-size:var(--fs-xs);color:var(--purple-dark);font-weight:800;text-transform:uppercase;letter-spacing:.1em}
.tool-primary .value{font-size:clamp(2rem,5vw,2.6rem);font-weight:900;color:var(--purple-deep);line-height:1.08;letter-spacing:-.03em;word-break:break-word;margin-top:6px}
.tool-rows{width:100%;border-collapse:collapse;font-size:var(--fs-md)}
.tool-rows td{padding:11px 2px;border-bottom:1px solid var(--line)}
.tool-rows tr:last-child td{border-bottom:0}
.tool-rows td:last-child{text-align:right;font-weight:800;color:var(--purple-ink);font-variant-numeric:tabular-nums}
.tool-verdict{
  margin-top:var(--sp-5);background:var(--green-light);border:1px solid #C9E0B8;border-left:4px solid var(--green);
  border-radius:var(--radius-sm);padding:15px 18px;color:var(--green-dark);font-size:var(--fs-md);
}
.tool-verdict strong{color:var(--green-dark)}

/* explainer prose under the calculator: keep the measure short */
.tool-explainer{margin-top:var(--sp-8)}
.tool-explainer h2{margin-top:0}
.tool-explainer p{color:var(--body)}
.tool-explainer p:first-of-type{font-size:var(--fs-lg);line-height:1.68;color:var(--ink)}

/* -------------------------------------------------------------- hub lists */
.hub-list{list-style:none;padding:0;margin:0}
.hub-list li{border-bottom:1px solid var(--line);padding:var(--sp-4) 0;transition:border-color .15s ease}
.hub-list li:hover{border-color:var(--purple-line)}
.hub-list a{display:inline-block;font-weight:800;color:var(--purple-dark);font-size:var(--fs-base)}
.hub-list a:hover{color:var(--purple);text-decoration:none}
.hub-list .desc{display:block;color:var(--muted);font-size:var(--fs-sm);line-height:1.6;margin-top:4px;max-width:72ch}

/* Related links become cards, not bare underlined links on hairlines. */
.related{margin-top:var(--sp-9)}
.related h2{margin-top:0}
.related .hub-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:var(--sp-3);margin-top:var(--sp-5)}
.related .hub-list li{
  border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;padding:0;
  transition:transform .16s var(--ease),border-color .16s ease,box-shadow .16s ease;
}
.related .hub-list li:hover{border-color:var(--purple);box-shadow:var(--shadow-xs);transform:translateY(-2px)}
.related .hub-list li a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:16px 18px;font-size:var(--fs-base);color:var(--purple-ink);width:100%}
.related .hub-list li a::after{content:"→";color:var(--purple);font-weight:900;transition:transform .18s var(--ease)}
.related .hub-list li:hover a{color:var(--purple-dark);text-decoration:none}
.related .hub-list li:hover a::after{transform:translateX(3px)}

/* ------------------------------------------------------- city / state chips */
.chips{display:flex;flex-wrap:wrap;gap:var(--sp-2);margin:var(--sp-5) 0}
.chip{
  background:#fff;border:1px solid var(--purple-line);border-radius:var(--radius-pill);
  padding:8px 16px;font-size:var(--fs-sm);font-weight:700;color:var(--purple-dark);
  transition:background-color .15s ease,color .15s ease,border-color .15s ease,transform .15s var(--ease);
}
.chip:hover{background:var(--purple);border-color:var(--purple);color:#fff;text-decoration:none;transform:translateY(-1px)}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px;margin:var(--sp-6) 0}
.state-grid a{
  display:flex;justify-content:space-between;align-items:center;gap:var(--sp-2);
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:14px 16px;font-weight:700;color:var(--purple-ink);
  transition:border-color .15s ease,background-color .15s ease,transform .15s var(--ease),box-shadow .15s ease;
}
.state-grid a:hover{border-color:var(--purple);background:var(--purple-light);text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow-xs)}
.state-grid .count{font-size:var(--fs-xs);color:var(--muted);font-weight:600;white-space:nowrap}

/* ------------------------------------------------------------ facts table */
.facts-table th{width:32%;border-right:1px solid var(--purple-line)}
.facts-table .src{display:block;font-size:var(--fs-xs);color:var(--muted);line-height:1.5;margin-top:6px}

/* ----------------------------------------------------------------- footer */
.footer{
  position:relative;margin-top:0;padding:clamp(44px,6vw,66px) 0 var(--sp-8);
  background:linear-gradient(180deg,var(--purple-deep) 0%,#330C4D 100%);
  color:#D6BEE8;font-size:var(--fs-md);
}
.footer::before{
  content:"";position:absolute;left:0;right:0;top:0;height:1px;opacity:.55;
  background:linear-gradient(90deg,transparent,var(--purple),var(--pink),transparent);
}
.footer a{color:#fff}
.footer a:hover{color:var(--pink);text-decoration:underline;text-underline-offset:3px}
.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:clamp(24px,3vw,44px);margin-bottom:var(--sp-9)}
.footer h4{color:#fff;font-size:var(--fs-xs);font-weight:800;text-transform:uppercase;letter-spacing:.12em;margin:0 0 var(--sp-4)}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin:.6em 0}
.footer-logo-img{
  height:72px;width:auto;display:block;margin-bottom:var(--sp-4);
  /* the wordmark's purple would lose contrast on the deep-purple footer,
     so the lockup sits on a light chip */
  background:#fff;border-radius:var(--radius-sm);padding:7px 12px;
  box-shadow:0 6px 18px rgba(0,0,0,.25);
}
.footer-brand p{color:#C6A9DE;font-size:var(--fs-md);line-height:1.68;margin:0;max-width:36ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding-top:var(--sp-7)}
.footer-copyright{font-size:var(--fs-sm);color:#fff;font-weight:800;margin:0 0 var(--sp-5);letter-spacing:.01em}
.footer-disclaimer{
  font-size:var(--fs-sm);color:#CDB2E3;line-height:1.7;margin:0 0 var(--sp-3);
  padding-left:14px;border-left:2px solid rgba(255,255,255,.2);max-width:100ch;
}
.footer-disclaimer strong{color:#fff}
.footer-bottom .footer-disclaimer:last-child{margin-bottom:0}

/* ------------------------------------------------------------- animations */
@keyframes rise{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

/* ------------------------------------------------------------- responsive */
@media (max-width:1080px){
  .hero-grid{grid-template-columns:1fr;gap:var(--sp-7)}
  .hero-inner{max-width:none}
  .hero-art{justify-self:center;max-width:min(300px,72vw);order:2}
  .hero-art img{animation:none}
}
@media (max-width:900px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:1fr 1fr;gap:var(--sp-7)}
  .footer-brand{grid-column:1 / -1}
  .footer-brand p{max-width:56ch}
}
@media (max-width:680px){
  :root{--header-h:74px}
  body{font-size:var(--fs-base);line-height:1.68}
  h1{font-size:var(--fs-5xl)}
  h2{font-size:var(--fs-3xl);margin-top:1.5em}
  p{max-width:none}
  .container,.main-wrap,.wrap-narrow{padding:0 var(--sp-4)}
  .section{padding-top:var(--sp-9);padding-bottom:var(--sp-9)}

  .logo-img{height:60px}
  .nav{display:none}
  .nav.open{
    display:flex;position:absolute;top:var(--header-h);left:0;right:0;
    background:#fff;flex-direction:column;align-items:stretch;gap:2px;
    padding:var(--sp-3) var(--sp-4) var(--sp-5);
    border-bottom:1px solid var(--purple-line);box-shadow:var(--shadow-lg);
  }
  .nav.open .nav-link{padding:14px;font-size:var(--fs-base);border-radius:var(--radius-sm)}
  .nav.open .nav-cta{justify-content:center;margin:var(--sp-2) 0 0;padding:16px 20px}
  .nav-toggle{display:flex}

  .hero{padding:var(--sp-8) 0 var(--sp-9)}
  .hero p{font-size:var(--fs-base)}
  .hero-actions{gap:var(--sp-2);margin-top:var(--sp-6)}
  .hero-actions .btn{width:100%;padding:15px 20px}
  .hero-stats{gap:var(--sp-5);margin-top:var(--sp-7);padding-top:var(--sp-5)}
  .hero-stat strong{font-size:var(--fs-3xl)}

  .grid,.grid-2,.grid-3,.grid-4,.grid-tools{grid-template-columns:1fr}
  .grid-tools{gap:var(--sp-3)}
  .card{padding:var(--sp-5)}
  .card::before{left:var(--sp-5);right:var(--sp-5)}

  .tool-grid{grid-template-columns:1fr}
  .tool-card{padding:var(--sp-5)}
  .tool-primary{padding:var(--sp-5)}

  .related .hub-list{grid-template-columns:1fr}
  .state-grid{grid-template-columns:repeat(auto-fill,minmax(140px,1fr))}
  .chips{gap:6px}
  .chip{padding:7px 13px;font-size:var(--fs-sm)}

  /* stack the sourced facts table into labelled rows */
  .facts-table,.article table{border:0;border-radius:0;overflow:visible}
  .facts-table tbody,.facts-table tr,.facts-table th,.facts-table td,
  .article table tbody,.article table tr,.article table th,.article table td{display:block;width:auto}
  .facts-table tr,.article table tr{
    border:1px solid var(--line);border-radius:var(--radius-sm);
    overflow:hidden;margin-bottom:var(--sp-3);background:#fff;
  }
  .facts-table th,.article table th{border-right:0;border-bottom:0;width:auto;font-size:var(--fs-sm);text-transform:uppercase;letter-spacing:.06em;padding:10px 14px}
  .facts-table td,.article table td{border-bottom:0;padding:12px 14px}
  .facts-table tr:first-child th:first-child,.article table tr:first-child th:first-child,
  .facts-table tr:last-child th:first-child,.article table tr:last-child th:first-child,
  .facts-table tr:first-child td:last-child,.article table tr:first-child td:last-child,
  .facts-table tr:last-child td:last-child,.article table tr:last-child td:last-child{border-radius:0}

  .footer{padding-top:var(--sp-8)}
  .footer-grid{grid-template-columns:1fr;gap:var(--sp-7)}
  .footer-brand{grid-column:auto}
  .footer-bottom{padding-top:var(--sp-6)}
}

/* --------------------------------------------------------- reduced motion */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important}
}