:root {
  --bg: #f7f5f1;
  --surface: #ffffff;
  --surface-2: #f1ede5;
  --ink: #1a1a1a;
  --ink-soft: #4a4a4a;
  --ink-muted: #7a7a7a;
  --line: rgba(0, 0, 0, 0.08);
  --accent: #0f3d2e;
  --accent-hover: #16513d;
  --accent-soft: #d8e6df;
  --warn: #b34a00;
  --error: #b00020;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 1px 2px rgba(0,0,0,0.04), 0 8px 24px rgba(0,0,0,0.06);
  --shadow-lg: 0 2px 6px rgba(0,0,0,0.05), 0 24px 60px rgba(0,0,0,0.10);
  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --font-display: "Söhne", "Inter", var(--font-body);
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: var(--accent); }
a:hover { color: var(--accent-hover); }

button { font-family: inherit; cursor: pointer; }

/* ========== Header ========== */
.site-header {
  border-bottom: 1px solid var(--line);
  background: var(--surface);
  position: sticky; top: 0; z-index: 10;
}
.brand {
  max-width: 1080px;
  margin: 0 auto;
  padding: 14px 20px;
  display: flex; align-items: center; gap: 12px;
}
.brand a {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.brand-pill {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background: var(--accent-soft);
  color: var(--accent);
  padding: 4px 10px;
  border-radius: 999px;
}

/* ========== Layout ========== */
.calc-page {
  max-width: 720px;
  margin: 0 auto;
  padding: 32px 20px 80px;
}

/* ========== Intro ========== */
.calc-intro h1 {
  font-family: var(--font-display);
  font-size: 2.4rem;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
  color: var(--ink);
}
.calc-intro .lede {
  font-size: 1.15rem;
  line-height: 1.55;
  color: var(--ink-soft);
  margin: 0 0 24px;
}
.calc-pillars {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: grid;
  gap: 12px;
}
.calc-pillars li {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
  font-size: 0.96rem;
  color: var(--ink-soft);
  box-shadow: var(--shadow);
}
.calc-pillars li strong { color: var(--ink); }
.calc-disclosure {
  font-size: 0.85rem;
  color: var(--ink-muted);
  border-left: 3px solid var(--line);
  padding: 4px 0 4px 14px;
  margin: 24px 0;
}

/* ========== Buttons ========== */
.btn-primary, .btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 0;
  padding: 14px 22px;
  font-size: 1rem;
  font-weight: 500;
  border-radius: var(--radius);
  text-decoration: none;
  transition: background 120ms ease, transform 60ms ease, opacity 120ms ease;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
}
.btn-primary:hover:not(:disabled) { background: var(--accent-hover); }
.btn-primary:active:not(:disabled) { transform: translateY(1px); }
.btn-primary:disabled { opacity: 0.4; cursor: not-allowed; }
.btn-secondary {
  background: transparent;
  color: var(--ink-soft);
  border: 1px solid var(--line);
}
.btn-secondary:hover { color: var(--ink); border-color: var(--ink-muted); }
.arrow { display: inline-block; transition: transform 120ms ease; }
.btn-primary:hover .arrow { transform: translateX(2px); }

/* ========== Wizard ========== */
.calc-wizard {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 28px;
  margin-top: 8px;
}
.wizard-header { margin-bottom: 28px; }
.progress-bar {
  height: 4px;
  background: var(--surface-2);
  border-radius: 999px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: var(--accent);
  width: 5%;
  border-radius: 999px;
  transition: width 220ms cubic-bezier(0.2, 0.8, 0.2, 1);
}
.wizard-meta {
  display: flex;
  justify-content: space-between;
  margin-top: 12px;
  font-size: 0.82rem;
  color: var(--ink-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.question-card {
  min-height: 240px;
  padding: 8px 0 20px;
}
.question-card h2 {
  font-family: var(--font-display);
  font-size: 1.55rem;
  line-height: 1.25;
  letter-spacing: -0.01em;
  margin: 0 0 12px;
  color: var(--ink);
}
.question-card .ctx {
  color: var(--ink-soft);
  font-size: 0.95rem;
  margin: 0 0 24px;
  line-height: 1.5;
}
.question-card .error {
  color: var(--error);
  font-size: 0.9rem;
  margin-top: 16px;
}

/* Choice inputs */
.choices { display: grid; gap: 10px; }
.choice {
  display: block;
  position: relative;
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
  cursor: pointer;
  transition: border-color 120ms ease, background 120ms ease, transform 60ms ease;
}
.choice:hover { border-color: var(--accent); }
.choice input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.choice .choice-label {
  font-size: 1rem;
  color: var(--ink);
}
.choice.selected {
  background: var(--accent-soft);
  border-color: var(--accent);
}
.choice.selected .choice-label { color: var(--accent); font-weight: 500; }

/* Currency / number / postcode */
.input-currency, .input-number, .input-postcode {
  display: flex;
  align-items: center;
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 4px 12px;
  transition: border-color 120ms ease, background 120ms ease;
}
.input-currency:focus-within,
.input-number:focus-within,
.input-postcode:focus-within {
  border-color: var(--accent);
  background: var(--surface);
}
.input-currency .prefix {
  color: var(--ink-muted);
  font-size: 1.4rem;
  margin-right: 6px;
}
.input-currency input,
.input-number input,
.input-postcode input {
  flex: 1;
  font-size: 1.6rem;
  border: 0;
  background: transparent;
  padding: 14px 0;
  outline: none;
  color: var(--ink);
  font-family: var(--font-display);
  font-variant-numeric: tabular-nums;
}

/* Footer */
.wizard-footer {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding-top: 8px;
  border-top: 1px solid var(--line);
  margin-top: 8px;
}
.wizard-footer .btn-primary { margin-left: auto; }

/* ========== Results: partial ========== */
.calc-results {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 32px 28px;
  margin-top: 24px;
}
.calc-results h2 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  margin: 0 0 6px;
  letter-spacing: -0.01em;
}
.calc-results .muted {
  color: var(--ink-muted);
  font-size: 0.92rem;
  margin: 0 0 20px;
}

#partial-leaderboard, #full-leaderboard {
  display: grid;
  gap: 8px;
  margin: 0 0 24px;
}

.lender-row {
  display: grid;
  grid-template-columns: 50px 1fr auto;
  gap: 16px;
  align-items: center;
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 18px;
  transition: background 120ms ease;
}
.lender-row:hover { background: #ebe5d7; }
.lender-row .rank {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--ink-muted);
  font-variant-numeric: tabular-nums;
}
.lender-row .lender-meta { min-width: 0; }
.lender-row .lender-name {
  font-weight: 500;
  font-size: 1.02rem;
  color: var(--ink);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.lender-row .lender-constraint {
  font-size: 0.82rem;
  color: var(--ink-muted);
  margin-top: 2px;
}
.lender-row .amount {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--accent);
  font-variant-numeric: tabular-nums;
}
.lender-row.teaser {
  background: repeating-linear-gradient(
    -45deg,
    var(--surface-2),
    var(--surface-2) 6px,
    #ece6d8 6px,
    #ece6d8 12px
  );
}
.lender-row.teaser .rank { color: var(--accent); }
.lender-row .amount.blur {
  filter: blur(5px);
  color: var(--ink-muted);
  user-select: none;
}
.lender-row .policy-notes {
  grid-column: 1 / -1;
  margin-top: 8px;
  border-top: 1px solid var(--line);
  padding-top: 10px;
  font-size: 0.88rem;
}
.lender-row .policy-notes summary {
  cursor: pointer;
  color: var(--ink-muted);
  list-style: none;
}
.lender-row .policy-notes summary::-webkit-details-marker { display: none; }
.lender-row .policy-notes summary::before {
  content: "▸ ";
  display: inline-block;
  transition: transform 120ms ease;
}
.lender-row .policy-notes[open] summary::before {
  transform: rotate(90deg);
}
.lender-row .policy-notes p {
  margin: 8px 0;
  color: var(--ink-soft);
}
.lender-row .policy-notes ul {
  margin: 0; padding-left: 18px;
  color: var(--ink-soft);
}
.lender-row .policy-notes li { margin: 2px 0; }

/* No-qualified state */
.no-qualified {
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-left: 4px solid var(--warn);
  border-radius: var(--radius);
  padding: 20px 22px;
}
.no-qualified h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  margin: 0 0 10px;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.no-qualified p {
  margin: 0 0 8px;
  color: var(--ink-soft);
  font-size: 0.95rem;
  line-height: 1.55;
}
.no-qualified p:last-child { margin: 0; }

.all-disqualified {
  margin-top: 18px;
}
.all-disqualified > summary {
  cursor: pointer;
  color: var(--ink-muted);
  padding: 10px 14px;
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-size: 0.9rem;
  list-style: none;
}
.all-disqualified > summary::-webkit-details-marker { display: none; }
.all-disqualified > summary::before {
  content: "▸ ";
  display: inline-block;
  transition: transform 120ms ease;
}
.all-disqualified[open] > summary::before { transform: rotate(90deg); }
.all-disqualified > .lender-row {
  margin-top: 6px;
  opacity: 0.75;
}
.lender-row.disqualified .amount.muted {
  color: var(--ink-muted);
  font-weight: 400;
}

/* Email gate */
.email-gate {
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  display: grid;
  gap: 14px;
}
.email-gate h3 {
  font-family: var(--font-display);
  margin: 0;
  font-size: 1.2rem;
  letter-spacing: -0.005em;
}
.email-gate p { margin: 0; color: var(--ink-soft); font-size: 0.94rem; }
.email-gate label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.86rem;
  color: var(--ink-soft);
}
.email-gate label.optional { color: var(--ink-muted); }
.email-gate label.optional span { color: var(--ink-muted); }
.email-gate label input[type="text"],
.email-gate label input[type="email"],
.email-gate label input[type="tel"] {
  border: 1px solid var(--line);
  background: var(--surface);
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 1rem;
  font-family: inherit;
  outline: none;
  transition: border-color 120ms ease;
}
.email-gate label input:focus { border-color: var(--accent); }
.email-gate label.checkbox {
  flex-direction: row;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  color: var(--ink-soft);
}
.email-gate label.checkbox input { margin: 0; }
.email-gate .btn-primary { width: 100%; margin-top: 4px; }
.email-gate .fineprint {
  font-size: 0.78rem;
  color: var(--ink-muted);
  margin: 4px 0 0;
}

/* ========== Results: full ========== */
.results-summary {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  background: var(--accent);
  color: #f4f1e8;
  border-radius: var(--radius);
  padding: 24px;
  margin: 0 0 28px;
}
.results-summary .kpi {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.kpi-label {
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(244, 241, 232, 0.7);
}
.kpi-value {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  font-variant-numeric: tabular-nums;
}
.kpi-sub {
  font-size: 0.82rem;
  color: rgba(244, 241, 232, 0.7);
}
.results-footer {
  margin-top: 24px;
  display: grid;
  gap: 14px;
}
.results-footer .panel-date {
  font-size: 0.86rem;
  color: var(--ink-muted);
  margin: 0;
}
.results-footer .btn-primary {
  justify-self: start;
}

/* ========== Site footer ========== */
.site-footer {
  border-top: 1px solid var(--line);
  margin-top: 60px;
  padding: 24px 20px;
  text-align: center;
  color: var(--ink-muted);
  font-size: 0.84rem;
  background: var(--surface);
}
.site-footer p { margin: 4px 0; }

/* ========== Responsive ========== */
@media (max-width: 600px) {
  .calc-page { padding: 20px 14px 60px; }
  .calc-intro h1 { font-size: 1.9rem; }
  .calc-intro .lede { font-size: 1.04rem; }
  .calc-wizard, .calc-results { padding: 20px 18px; }
  .question-card h2 { font-size: 1.3rem; }
  .input-currency input, .input-number input, .input-postcode input { font-size: 1.35rem; }
  .results-summary {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 20px;
  }
  .lender-row {
    grid-template-columns: 32px 1fr;
    grid-template-rows: auto auto;
    gap: 6px 12px;
  }
  .lender-row .amount {
    grid-column: 2 / 3;
    grid-row: 2;
    font-size: 1.1rem;
  }
  .lender-row .lender-meta { grid-column: 2 / 3; grid-row: 1; }
  .lender-row .rank { grid-row: 1 / span 2; }
  .lender-row .policy-notes { grid-column: 1 / -1; grid-row: 3; }
  .wizard-footer { flex-direction: column-reverse; gap: 8px; }
  .wizard-footer .btn-primary, .wizard-footer .btn-secondary { width: 100%; }
}