/* RetiredRefi — warm, legible, unhurried. Base type is larger than usual on purpose. */

:root {
  --bg: #faf7f4;
  --card: #ffffff;
  --ink: #38271a;
  --muted: #75604f;
  --hair: #ecdfd3;
  --accent: #a85428;
  --accent-dark: #87411d;
  --accent-soft: #f6e9df;
  --pine: #59321a;
  --radius: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 18px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.container { max-width: 1060px; margin: 0 auto; padding: 0 24px; }
.container.narrow { max-width: 760px; }
.nowrap { white-space: nowrap; }

h1, h2, h3 { font-family: "Source Serif 4", Georgia, serif; line-height: 1.2; text-wrap: balance; }
h2 { font-size: 34px; font-weight: 700; margin: 0 0 14px; }
h3 { font-size: 22px; font-weight: 600; margin: 0 0 10px; }

.section-sub { color: var(--muted); max-width: 62ch; margin: 0 0 26px; }

/* Buttons — big targets, obvious affordance */
.btn {
  display: inline-block;
  font: inherit; font-weight: 600;
  border: none; border-radius: 10px;
  padding: 15px 28px;
  cursor: pointer;
  text-decoration: none;
  transition: background .15s;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-primary:focus-visible { outline: 3px solid var(--pine); outline-offset: 2px; }
.btn-lg { font-size: 20px; padding: 18px 36px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(250, 247, 244, .95);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--hair);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding-top: 14px; padding-bottom: 14px; }
.logo, .form-brand {
  font-family: "Source Serif 4", Georgia, serif;
  font-size: 26px; font-weight: 700; color: var(--ink); text-decoration: none;
}
.logo span, .form-brand span { color: var(--accent); }

/* Hero */
.hero { padding: 72px 0 56px; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .09em;
  font-size: 13.5px; font-weight: 600; color: var(--accent-dark); margin: 0 0 14px;
}
.hero h1 { font-size: 52px; font-weight: 700; margin: 0 0 20px; }
.hero h1 em { font-style: italic; color: var(--pine); }
.hero-sub { font-size: 21px; color: var(--muted); max-width: 60ch; margin: 0 0 40px; }

.goals-label { font-weight: 600; margin: 0 0 14px; font-size: 19px; }
.goal-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.goal-card {
  background: var(--card);
  border: 1.5px solid var(--hair);
  border-radius: var(--radius);
  padding: 22px 20px;
  text-align: left; cursor: pointer;
  font: inherit; color: inherit;
  display: flex; flex-direction: column; gap: 6px;
  transition: border-color .15s, transform .15s;
}
.goal-card:hover { border-color: var(--accent); transform: translateY(-2px); }
.goal-card:focus-visible { outline: 3px solid var(--pine); outline-offset: 2px; }
.goal-title { font-weight: 700; font-size: 19px; }
.goal-desc { color: var(--muted); font-size: 16px; line-height: 1.5; }
.no-pressure { color: var(--muted); font-size: 15.5px; margin-top: 18px; }

/* Paradox */
.paradox { padding: 56px 0; background: var(--card); border-top: 1px solid var(--hair); border-bottom: 1px solid var(--hair); }
.paradox p { font-size: 19px; max-width: 68ch; }

/* Qualify */
.qualify { padding: 64px 0; }
.qualify-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; margin-top: 26px; }
.qualify-card {
  background: var(--card);
  border: 1px solid var(--hair);
  border-radius: var(--radius);
  padding: 26px 24px;
}
.qualify-card p { color: var(--muted); margin: 0 0 12px; font-size: 17px; }
.qualify-card .example {
  background: var(--accent-soft);
  border-radius: 8px; padding: 12px 14px;
  color: var(--ink); font-size: 16.5px; margin-bottom: 0;
}

/* Calculator */
.calc { padding: 56px 0; background: var(--pine); color: #f4efe6; }
.calc h2 { color: #fff; }
.calc-sub { color: #cfd8cf; margin: 0 0 22px; }
.calc-box { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); padding: 26px; }
.calc-box label { display: block; font-weight: 600; margin-bottom: 10px; }
.calc-input-row { display: flex; align-items: center; gap: 8px; }
.calc-dollar { font-size: 26px; font-weight: 700; }
#calcAssets {
  font: inherit; font-size: 24px; font-weight: 600;
  background: #fff; color: var(--ink);
  border: none; border-radius: 8px;
  padding: 12px 16px; width: 100%; max-width: 320px;
}
#calcAssets:focus-visible { outline: 3px solid var(--accent); }
.calc-result { margin-top: 18px; font-size: 20px; }
.calc-result strong { color: #f0c98a; font-size: 26px; }

/* Comparison table */
.compare { padding: 64px 0; }
.table-wrap { overflow-x: auto; margin-top: 26px; border: 1px solid var(--hair); border-radius: var(--radius); background: var(--card); }
.compare-table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: 16.5px; }
.compare-table th, .compare-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--hair); }
.compare-table thead th { font-family: "Source Serif 4", Georgia, serif; font-size: 18px; background: var(--accent-soft); }
.compare-table tbody th { font-weight: 600; color: var(--muted); white-space: nowrap; }
.compare-table tr:last-child th, .compare-table tr:last-child td { border-bottom: none; }
.compare-verdict {
  margin-top: 24px; padding: 20px 24px;
  background: var(--card); border-left: 4px solid var(--accent);
  border-radius: 0 var(--radius) var(--radius) 0;
  max-width: 75ch; font-size: 17.5px;
}

/* How it works */
.how { padding: 64px 0; text-align: center; }
.steps { list-style: none; padding: 0; margin: 30px 0; display: grid; gap: 20px; text-align: left; }
.steps li { display: flex; gap: 16px; align-items: flex-start; }
.step-num {
  flex: 0 0 auto; width: 40px; height: 40px; border-radius: 50%;
  background: var(--accent); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 19px;
}
.how .no-pressure { margin-top: 14px; }

/* FAQ */
.faq { padding: 56px 0; background: var(--card); border-top: 1px solid var(--hair); }
.faq-list { margin-top: 22px; }
.faq-list details { border-bottom: 1px solid var(--hair); }
.faq-list summary {
  cursor: pointer; padding: 18px 0;
  font-weight: 600; font-size: 19px;
  list-style: none; position: relative; padding-right: 34px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; position: absolute; right: 4px; top: 14px;
  font-size: 26px; color: var(--accent); font-weight: 400;
}
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { margin: 0 0 18px; color: var(--muted); max-width: 70ch; }

/* Final CTA */
.final-cta { padding: 80px 0; text-align: center; }
.final-cta h2 { font-size: 40px; margin-bottom: 26px; }

/* Footer */
.site-footer { background: var(--ink); color: #b9c2c7; padding: 44px 0 56px; font-size: 14px; line-height: 1.6; }
.footer-logo { font-family: "Source Serif 4", Georgia, serif; font-size: 24px; font-weight: 700; color: #fff; margin: 0 0 16px; }
.footer-logo span { color: #d99e6f; }
.footer-legal { margin: 0 0 14px; max-width: 90ch; }
.footer-legal a { color: #d9d2c4; }
.footer-eho { display: flex; align-items: center; gap: 8px; }
.footer-eho svg { width: 20px; height: 20px; flex: 0 0 auto; }

/* ============ Form overlay (one big question per screen) ============ */
.form-overlay {
  position: fixed; inset: 0; z-index: 50;
  background: var(--bg);
  overflow-y: auto;
}
.form-shell { max-width: 680px; margin: 0 auto; padding: 0 24px 60px; min-height: 100%; display: flex; flex-direction: column; }
.form-topbar { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; }
.form-close {
  background: none; border: 1px solid var(--hair); border-radius: 8px;
  width: 44px; height: 44px; cursor: pointer; color: var(--ink);
  display: flex; align-items: center; justify-content: center;
}
.form-close svg { width: 22px; height: 22px; }
.form-close:focus-visible { outline: 3px solid var(--pine); outline-offset: 2px; }
.form-progress { height: 6px; background: var(--hair); border-radius: 3px; overflow: hidden; margin-bottom: 40px; }
.form-progress-bar { height: 100%; width: 0; background: var(--accent); transition: width .25s; }

.form-step h2 { font-size: 32px; margin-bottom: 8px; }
.form-step .step-help { color: var(--muted); margin: 0 0 26px; font-size: 17px; }

.choice-list { display: grid; gap: 12px; }
.choice-btn {
  background: var(--card);
  border: 1.5px solid var(--hair); border-radius: 10px;
  padding: 18px 20px; font: inherit; font-size: 19px; font-weight: 500;
  text-align: left; cursor: pointer; color: inherit;
  transition: border-color .15s;
}
.choice-btn:hover { border-color: var(--accent); }
.choice-btn:focus-visible { outline: 3px solid var(--pine); outline-offset: 2px; }
.choice-sub { display: block; font-size: 15.5px; color: var(--muted); font-weight: 400; margin-top: 3px; }

.form-step .field { margin-bottom: 18px; }
.form-step label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 16.5px; }
.form-step input[type="text"], .form-step input[type="email"], .form-step input[type="tel"], .form-step input[type="date"], .form-step select {
  font: inherit; font-size: 18px;
  width: 100%; padding: 13px 14px;
  border: 1.5px solid var(--hair); border-radius: 8px;
  background: var(--card); color: var(--ink);
}
.form-step input:focus-visible, .form-step select:focus-visible { outline: 3px solid var(--pine); outline-offset: 1px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field-row-3 { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 14px; }

.consent {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--card); border: 1px solid var(--hair); border-radius: 10px;
  padding: 16px; margin: 22px 0; font-size: 14.5px; color: var(--muted); line-height: 1.55;
}
.consent input { width: 22px; height: 22px; margin-top: 2px; flex: 0 0 auto; accent-color: var(--accent); }
.consent a { color: var(--accent-dark); }

.form-error { color: #a33b2e; font-size: 16px; margin: 10px 0 0; min-height: 22px; }
.form-nav { margin-top: 26px; display: flex; gap: 14px; align-items: center; }
.btn-back {
  background: none; border: none; font: inherit; font-size: 17px;
  color: var(--muted); cursor: pointer; padding: 12px 8px;
}
.btn-back:hover { color: var(--ink); }

.form-success { text-align: center; padding: 40px 0; }
.form-success h2 { font-size: 34px; }
.form-success p { font-size: 19px; color: var(--muted); max-width: 48ch; margin: 14px auto; }
.success-check {
  width: 76px; height: 76px; border-radius: 50%;
  background: var(--accent-soft); color: var(--accent-dark);
  display: flex; align-items: center; justify-content: center; margin: 0 auto 22px;
}
.success-check svg { width: 38px; height: 38px; }

@media (max-width: 640px) {
  body { font-size: 17px; }
  .logo { font-size: 21px; }
  .site-header .btn { padding: 10px 14px; font-size: 15px; white-space: nowrap; }
  .hero { padding: 48px 0 40px; }
  .hero h1 { font-size: 36px; }
  .hero-sub { font-size: 18.5px; }
  h2 { font-size: 27px; }
  .final-cta h2 { font-size: 30px; }
  .field-row, .field-row-3 { grid-template-columns: 1fr; }
}

/* ===== AdaptLend form engine styles (ported) ===== */
.form-overlay { --surface: var(--card); --line: var(--hair); --gold: #d4af37;
  position: fixed; inset: 0; background: var(--bg); z-index: 100; overflow-y: auto; }
.form-shell { max-width: 680px; margin: 0 auto; padding: 24px 28px 72px; min-height: 0; display: block; }
.form-topbar { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 8px 0 24px; }
.form-close { background: none; border: 1px solid var(--line); border-radius: 10px; width: 38px; height: 38px; display: grid; place-items: center; color: var(--ink); transition: border-color .15s; cursor: pointer; }
.form-close:hover { border-color: var(--ink); }
.form-close svg { width: 16px; height: 16px; }
.form-progress { height: 3px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 48px; }
.form-progress-bar { height: 100%; width: 0%; background: var(--accent); border-radius: 999px; transition: width .3s ease; }
.form-step-label { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); margin-bottom: 14px; }
.affirmation { display: flex; align-items: flex-start; gap: 10px; background: var(--accent-soft); color: var(--accent-dark, var(--accent)); border-radius: 10px; padding: 12px 16px; font-size: 14.5px; font-weight: 500; margin-bottom: 28px; }
.affirmation svg { width: 16px; height: 16px; flex: 0 0 auto; margin-top: 3px; }
.form-question { font-size: clamp(26px, 4vw, 34px); font-weight: 650; margin: 0 0 10px; }
.form-hint { font-size: 16px; color: var(--muted); margin: 0 0 32px; }
.option-list { display: grid; gap: 10px; }
.option-btn { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; font: inherit; font-size: 16px; font-weight: 500; letter-spacing: -.01em; text-align: left; display: flex; align-items: center; gap: 14px; transition: border-color .15s; color: inherit; cursor: pointer; }
.option-btn:hover { border-color: var(--ink); }
.option-btn .opt-icon { flex: 0 0 auto; width: 36px; height: 36px; border-radius: 9px; background: var(--accent-soft); color: var(--accent-dark, var(--accent)); display: grid; place-items: center; }
.option-btn .opt-icon svg { width: 19px; height: 19px; }
.option-btn .opt-sub { display: block; font-size: 13px; font-weight: 400; color: var(--muted); }
.form-nav { margin-top: 32px; display: flex; align-items: center; gap: 20px; }
.back-btn { background: none; border: none; color: var(--muted); font: inherit; font-size: 14px; font-weight: 500; padding: 8px 0; transition: color .15s; cursor: pointer; }
.back-btn:hover { color: var(--ink); }
.contact-grid { display: grid; gap: 18px; }
.form-overlay .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.contact-field label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 7px; }
.label-note { font-weight: 400; color: var(--muted); }
.field-note { font-size: 12.5px; color: var(--muted); margin: 7px 0 0; }
.ac-anchor { position: relative; }
.ac-list { position: absolute; top: calc(100% + 4px); left: 0; right: 0; background: var(--surface); border: 1px solid var(--line); border-radius: 10px; box-shadow: 0 16px 40px rgba(16,20,19,.10); overflow: hidden; z-index: 20; }
.ac-item { display: block; width: 100%; background: none; border: none; border-bottom: 1px solid var(--line); padding: 12px 15px; font: inherit; font-size: 14px; text-align: left; color: var(--ink); cursor: pointer; }
.ac-item:last-child { border-bottom: none; }
.ac-item:hover { background: var(--accent-soft); }
.contact-field input, .contact-field select { width: 100%; font: inherit; font-size: 16px; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px; background: var(--surface); color: var(--ink); transition: border-color .15s; }
.contact-field input:focus, .contact-field select:focus { outline: none; border-color: var(--accent); }
.form-overlay .consent { display: flex; align-items: flex-start; gap: 11px; padding: 4px 0 0; background: none; border: none; border-radius: 0; margin: 0; }
.form-overlay .consent input[type="checkbox"] { flex: 0 0 auto; width: 17px; height: 17px; margin-top: 2px; accent-color: var(--accent); cursor: pointer; }
.form-overlay .consent label { font-size: 12.5px; font-weight: 400; line-height: 1.55; color: var(--muted); cursor: pointer; }
.form-overlay .consent a { color: var(--muted); }
.form-error { color: #b3402e; font-size: 14px; margin-top: 12px; display: none; min-height: 0; }
.form-error.visible { display: block; }
.submit-note { font-size: 13px; color: var(--muted); margin-top: 16px; }
.result-kicker { text-transform: uppercase; letter-spacing: .12em; font-size: 12px; font-weight: 600; color: var(--accent-dark, var(--accent)); margin-bottom: 14px; }
.celebrate { text-align: center; padding: 56px 0 24px; }
.celebrate .result-kicker { animation: rise .5s ease-out .1s both; }
.celebrate-badge { width: 78px; height: 78px; margin: 0 auto 30px; border-radius: 50%; background: var(--accent); color: #fff; display: grid; place-items: center; animation: pop .55s cubic-bezier(.34,1.56,.64,1) both; }
.celebrate-badge svg { width: 36px; height: 36px; }
.celebrate-check { stroke-dasharray: 24; stroke-dashoffset: 24; animation: draw .45s ease-out .35s forwards; }
.celebrate-title { font-size: clamp(30px, 4.6vw, 44px); letter-spacing: -.03em; margin-bottom: 16px; animation: rise .5s ease-out .18s both; }
.celebrate-sub { color: var(--muted); font-size: 17px; max-width: 480px; margin: 0 auto 24px; animation: rise .5s ease-out .28s both; }
.hl { background: var(--accent-soft); color: var(--accent-dark, var(--accent)); font-weight: 600; padding: 1px 7px; border-radius: 6px; white-space: nowrap; }
.celebrate-note { display: inline-flex; align-items: center; gap: 9px; background: var(--accent-soft); color: var(--accent-dark, var(--accent)); font-weight: 500; font-size: 14.5px; border-radius: 999px; padding: 11px 20px; animation: rise .5s ease-out .38s both; }
.celebrate-note svg { width: 15px; height: 15px; flex: 0 0 auto; }
.celebrate-nav { justify-content: center; animation: rise .5s ease-out .7s both; }
.celebrate-reviews { margin-top: 44px; animation: rise .5s ease-out .55s both; }
.celebrate-reviews-label { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); margin-bottom: 14px; }
.celebrate-review { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 10px; text-align: left; }
.stars { display: flex; gap: 3px; color: #d4af37; margin-bottom: 16px; }
.stars svg { width: 15px; height: 15px; }
.celebrate-review .stars { margin-bottom: 10px; }
.celebrate-review .stars svg { width: 13px; height: 13px; }
.celebrate-review blockquote { font-size: 14.5px; line-height: 1.6; margin: 0 0 10px; }
.celebrate-review figcaption { font-size: 12.5px; color: var(--muted); }
.celebrate-review figcaption strong { color: var(--ink); font-weight: 600; }
@keyframes pop { from { transform: scale(.4); opacity: 0; } }
@keyframes rise { from { transform: translateY(14px); opacity: 0; } }
@keyframes draw { to { stroke-dashoffset: 0; } }
.confetti { position: fixed; inset: 0; pointer-events: none; overflow: hidden; z-index: 120; }
.confetti i { position: absolute; top: -3vh; display: block; animation: confetti-fall var(--dur) cubic-bezier(.3,.5,.5,1) var(--delay) forwards; opacity: 0; }
@keyframes confetti-fall { 0% { transform: translate3d(0,0,0) rotate(0); opacity: 1; } 80% { opacity: 1; } 100% { transform: translate3d(var(--sway),108vh,0) rotate(var(--rot)); opacity: 0; } }
@media (max-width: 560px) { .form-overlay .field-row { grid-template-columns: 1fr; } }

/* ===== Lender-network trust bar ===== */
.lenders { padding: 34px 0 30px; border-bottom: 1px solid var(--hair); background: var(--card); }
.lenders-label { text-align: center; font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); margin: 0 0 16px; }
.lender-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 38px; }
.lender-row span { font-family: Inter, sans-serif; font-size: 17px; font-weight: 700; letter-spacing: -.01em; color: var(--ink); opacity: .55; white-space: nowrap; }
.lenders-note { text-align: center; font-size: 11px; color: var(--muted); opacity: .75; margin: 16px 0 0; }

/* ===== Niche HELOC block ===== */
.niche-heloc { padding: 64px 0; background: var(--card); border-top: 1px solid var(--hair); border-bottom: 1px solid var(--hair); }
.niche-heloc .eyebrow { margin-bottom: 10px; }
.niche-points { list-style: none; padding: 0; margin: 22px 0 26px; display: grid; gap: 12px; }
.niche-points li { display: flex; gap: 12px; align-items: flex-start; font-size: 17px; }
.niche-points li svg { width: 20px; height: 20px; flex: 0 0 auto; margin-top: 3px; color: var(--accent); }
.niche-points li strong { font-weight: 650; }

/* ===== On-page testimonials ===== */
.site-reviews { padding: 64px 0; }
.site-reviews h2 { text-align: center; }
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 16px; margin-top: 30px; }
.review-card { background: var(--card); border: 1px solid var(--hair); border-radius: var(--radius); padding: 24px; margin: 0; }
.review-card blockquote { font-size: 15.5px; line-height: 1.6; margin: 0 0 14px; }
.review-card figcaption { font-size: 13px; color: var(--muted); }
.review-card figcaption strong { color: var(--ink); font-weight: 600; }

/* benefit chips */
.benefit-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.benefit-chips span { display: inline-flex; align-items: center; gap: 7px; background: var(--card); border: 1px solid var(--hair); border-radius: 999px; padding: 8px 16px; font-size: 14.5px; font-weight: 500; }
.benefit-chips svg { width: 15px; height: 15px; color: var(--accent); }