:root{
  --ink:#1F2937; --ink-2:#4B5A66; --paper:#FFFFFF; --panel:#EAF7EE; --line:#D4E6DA;
  --green:#1E9E6A; --green-deep:#157A52; --sun:#F6C445; --red:#C5473B;
  --radius:10px; --max:1120px;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}

:root[data-theme="dark"]{
  --ink:#E5E7EB; --ink-2:#A3B1BC; --paper:#0F172A; --panel:#143D2E; --line:#27414A;
  --green:#22C55E; --green-deep:#86E3B0; --sun:#F6C445; --red:#F87171;
}

*,*::before,*::after{box-sizing:inherit}
.kws-app{background:var(--paper);color:var(--ink);font-family:"DM Sans",system-ui,-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;font-size:16px;line-height:1.5}
h1,h2,h3{margin:0;line-height:1.15;font-weight:700}
h1{font-size:clamp(2rem,5vw,3.4rem);letter-spacing:-0.02em}
h2{font-size:clamp(1.4rem,3vw,2rem);letter-spacing:-0.01em}
h3{font-size:1.1rem}
p{margin:0 0 .8rem}
a{color:var(--green-deep)}
button{font:inherit;cursor:pointer}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.muted{color:var(--ink-2)}
.small{font-size:.85rem}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px}

/* header */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--paper);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:18px;height:62px}
.logo{font-weight:700;font-size:1.25rem;letter-spacing:-0.02em;text-decoration:none;color:var(--ink);display:flex;align-items:center;gap:8px}
.logo img{height:30px;width:auto;display:block}.logo b{color:var(--green)}
nav.tabs{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;flex:1}
nav.tabs::-webkit-scrollbar{display:none}
nav.tabs button{background:none;border:0;padding:8px 12px;border-radius:999px;color:var(--ink-2);white-space:nowrap}
nav.tabs button[aria-selected="true"]{background:var(--panel);color:var(--ink);font-weight:500}
.actions{display:flex;gap:8px}
.btn{border:1px solid var(--line);background:var(--paper);color:var(--ink);padding:8px 14px;border-radius:999px;text-decoration:none;display:inline-block}
.btn.primary{background:var(--green);border-color:var(--green);color:#fff;font-weight:500}
.btn.primary:hover{background:var(--green-deep)}
.btn.sm{padding:5px 10px;font-size:.85rem}

/* hero */
.hero .grid{display:grid;grid-template-columns:1.15fr 1fr;gap:32px;align-items:start}
.hero-img{margin:28px 0 0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);aspect-ratio:16/9;background:var(--panel)}.hero-img img{width:100%;height:100%;object-fit:cover;display:block}
.banner{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);margin-bottom:22px;aspect-ratio:3/1;background:var(--panel)}.banner img{width:100%;height:100%;object-fit:cover;display:block}
.hero h1 b{color:var(--green);font-weight:700}
.hero p.lead{font-size:1.15rem;max-width:34ch}
.bignum{font-size:clamp(2.6rem,7vw,4.6rem);font-weight:700;letter-spacing:-0.03em;line-height:1;color:var(--green-deep)}
.bignum small{font-size:1rem;letter-spacing:0;font-weight:400;color:var(--ink-2);display:block;margin-top:6px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.panel{background:var(--panel);border-radius:var(--radius);padding:20px}


/* carousel — full-bleed image, copy left, calculator card right */
.hero{padding:0 0 36px;background:var(--paper);position:relative;margin:0 calc(50% - 50vw);width:100vw}
.carousel{position:relative;width:100%}
.track{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;background:var(--panel)}
.track::-webkit-scrollbar{display:none}
.slide{flex:0 0 100%;scroll-snap-align:start;position:relative;height:clamp(460px,62vh,620px)}
.slide-img{position:absolute;inset:0;overflow:hidden}
.slide-img img{width:100%;height:100%;object-fit:cover;object-position:center;display:block}
.slide-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.90) 30%,rgba(255,255,255,.55) 46%,rgba(255,255,255,0) 60%)}
.slide-copy{position:relative;z-index:1;height:100%;max-width:var(--max);margin:0 auto;padding:0 20px 56px;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;width:48%;margin-left:max(20px,calc((100% - var(--max))/2));box-sizing:border-box}
.slide-copy h1{font-size:clamp(2rem,4.4vw,3.4rem);margin-bottom:12px;color:#1F2937}.slide-copy h1 b{color:var(--green)}
.slide-copy p.lead{font-size:1.12rem;max-width:34ch;margin-bottom:18px;color:#1F2937}
.car-ctl{position:absolute;left:max(20px,calc((100% - var(--max))/2));bottom:18px;display:flex;align-items:center;gap:12px;z-index:2}
.arrow{width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:#fff;color:#1F2937;font-size:1.3rem;line-height:1;box-shadow:0 1px 4px rgba(0,0,0,.12)}
.dots{display:flex;gap:8px;background:rgba(255,255,255,.85);padding:8px 12px;border-radius:999px}
.dots button{width:10px;height:10px;border-radius:50%;border:0;background:#C9D6CE;padding:0}
.dots button[aria-selected="true"]{background:var(--green);width:22px;border-radius:999px}
.hero-calc{max-width:var(--max);margin:28px auto 0;padding:0 20px;display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:center}
.hero-calc .card{box-shadow:0 6px 24px rgba(0,0,0,.08)}
.hero-calc .bignum{font-size:clamp(2.2rem,4vw,3.4rem)}
.hero-blurb h2{margin-bottom:8px}.hero-blurb p{font-size:1.05rem;max-width:40ch}
@media (max-width:860px){
  .slide{height:auto}.slide-img{position:static;aspect-ratio:16/10}.slide-img::after{display:none}
  .slide-copy{width:auto;margin:0;padding:18px 20px 64px;height:auto}
  .car-ctl{left:20px;bottom:12px}
  .hero-calc{grid-template-columns:1fr;margin-top:16px}
}
@media (prefers-reduced-motion:reduce){.track{scroll-behavior:auto}}
/* sliders */
.slider{margin:14px 0}
.slider label{display:flex;justify-content:space-between;font-size:.95rem;margin-bottom:4px}
.slider output{font-weight:700;font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--green);height:28px}
.row{display:flex;gap:12px;flex-wrap:wrap}
.row>*{flex:1 1 160px}
select,input[type=text],input[type=email],input[type=number]{font:inherit;width:100%;padding:9px 10px;border:1px solid var(--line);border-radius:8px;background:var(--paper);color:var(--ink)}

/* sections */
section.view{display:none;padding:36px 0 60px}
section.view.active{display:block}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.stamp{font-size:.8rem;color:var(--ink-2);background:var(--panel);padding:4px 10px;border-radius:999px}
.layout{display:grid;grid-template-columns:340px 1fr;gap:24px;align-items:start}
.table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}
.table th,.table td{padding:12px 10px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}
.table th{font-weight:500;color:var(--ink-2);font-size:.85rem}
.table th button{background:none;border:0;color:inherit;padding:0;font:inherit;text-decoration:underline dotted}
.table .best{background:color-mix(in srgb,var(--green) 10%,var(--paper))}
.tag{display:inline-block;background:var(--sun);color:#172A3A;font-size:.72rem;padding:2px 7px;border-radius:4px;font-weight:700;margin-left:6px}
.tag.alt{background:var(--panel);color:var(--ink-2)}
.tscroll{overflow-x:auto}
.lender{font-weight:500}
.saves{color:var(--green-deep);font-weight:700}
.note{font-size:.8rem;color:var(--ink-2);margin-top:10px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}


/* tools */
.subtabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:20px}
.subtabs button{border:1px solid var(--line);background:var(--paper);color:var(--ink-2);padding:8px 14px;border-radius:999px}
.subtabs button[aria-selected="true"]{background:var(--green);border-color:var(--green);color:#fff;font-weight:500}
.bgrow{display:grid;grid-template-columns:1fr 110px;gap:10px;align-items:center;margin:6px 0}
.bgrow input{text-align:right}
.bar{display:grid;grid-template-columns:150px 1fr 90px;gap:10px;align-items:center;margin:8px 0;font-size:.9rem}
.bar .trk{height:14px;background:var(--panel);border-radius:999px;position:relative;overflow:hidden}
.bar .fill{position:absolute;left:0;top:0;bottom:0;background:var(--line);border-radius:999px}
.bar .could{position:absolute;left:0;top:0;bottom:0;background:var(--green);border-radius:999px}
.bar .r{text-align:right;font-variant-numeric:tabular-nums}
.ms{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.ms.past{color:var(--ink-2);text-decoration:line-through}

/* dashboard */
.dash-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-bottom:20px}
.dash-stats .card strong{font-size:1.6rem;display:block;letter-spacing:-0.02em}
.watch{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 0;border-bottom:1px solid var(--line)}
.empty{padding:30px;text-align:center;border:1px dashed var(--line);border-radius:var(--radius)}

/* blog */
.post h3{margin-bottom:6px}
.post time{font-size:.8rem;color:var(--ink-2)}

/* code */
pre{background:var(--panel);padding:14px;border-radius:8px;overflow-x:auto;font-size:.82rem;line-height:1.5}

/* footer */
footer{border-top:1px solid var(--line);padding:36px 0 50px;color:var(--ink-2);font-size:.9rem}
.sub{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center;margin-bottom:30px}
.sub form{display:flex;gap:8px}
.toast{position:fixed;left:50%;bottom:calc(20px + env(safe-area-inset-bottom,0px));transform:translateX(-50%);background:var(--ink);color:var(--paper);padding:10px 16px;border-radius:999px;opacity:0;pointer-events:none;transition:opacity .2s}
.toast.show{opacity:1}
dialog{border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);color:var(--ink);padding:24px;max-width:380px;width:92vw}
dialog::backdrop{background:rgba(0,0,0,.45)}

@media (max-width:860px){
  .hero .grid,.layout,.sub{grid-template-columns:1fr}
  .hero-img{aspect-ratio:4/5;max-width:60vw}
  .banner{aspect-ratio:16/9}
  .actions .hide-m{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
body.embed header,body.embed footer,body.embed .hero,body.embed .sec-head .stamp{display:none}
body.embed section.view{padding:12px 0}
body.embed .banner{display:none}
.embed-badge{display:none;font-size:.78rem;color:var(--ink-2);text-align:right;margin-top:8px}
body.embed .embed-badge{display:block}

/* WordPress / Kadence overrides */
.kws-app h1,.kws-app h2,.kws-app h3{color:var(--ink);font-family:inherit;margin-top:0}
.kws-app .slide-copy h1,.kws-app .slide-copy p.lead{color:#1F2937}
.kws-app .bignum{color:var(--green-deep)}
.kws-app p{color:inherit}
.kws-app button,.kws-app .btn{text-transform:none;letter-spacing:0;box-shadow:none;line-height:1.4}
.kws-app .btn:not(.primary):hover{background:var(--panel);color:var(--ink)}
.kws-app input[type=range]{-webkit-appearance:auto;appearance:auto;padding:0;border:0;background:transparent;box-shadow:none;height:28px;width:100%}
.kws-app select,.kws-app input[type=text],.kws-app input[type=email],.kws-app input[type=number],.kws-app input[type=date]{background:var(--paper);color:var(--ink);box-shadow:none}
.kws-app .table{margin:0}
.kws-app ul{margin:0}
.kws-app a.btn{text-decoration:none}