@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("/fonts/fraunces-600.woff2") format("woff2");
}

@font-face {
  font-family: "Fraunces";
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("/fonts/fraunces-700.woff2") format("woff2");
}

@font-face {
  font-family: "Source Sans 3";
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("/fonts/source-sans-400.woff2") format("woff2");
}

@font-face {
  font-family: "Source Sans 3";
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("/fonts/source-sans-600.woff2") format("woff2");
}

:root {
  --paper: #efe7d6;
  --card: #fbf7ef;
  --ink: #1c1915;
  --muted: #4e463c;
  --line: #1c1915;
  --green: #1e4a3a;
  --green-deep: #143328;
  --copper: #8f3d27;
  --copper-ink: #6d2a18;
  --notice: #f3d6a2;
  --sans: "Source Sans 3", "Segoe UI", sans-serif;
  --serif: "Fraunces", "Iowan Old Style", Palatino, Georgia, serif;
}

* { box-sizing: border-box; }

[hidden] { display: none !important; }

html { font-size: 100%; }

body {
  margin: 0;
  color: var(--ink);
  background-color: var(--paper);
  background-image: linear-gradient(transparent 31px, rgba(28, 25, 21, 0.05) 32px);
  background-size: 100% 32px;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.5;
}

img { display: block; max-width: 100%; }

a { color: var(--green); }

a:hover { color: var(--green-deep); }

:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 2px;
}

.skip {
  position: absolute;
  left: 0.75rem;
  top: -4rem;
  background: var(--card);
  color: var(--ink);
  padding: 0.4rem 0.7rem;
  border: 2px solid var(--line);
  z-index: 3;
}

.skip:focus { top: 0.75rem; }

.wrap {
  width: min(1080px, calc(100% - 2rem));
  margin: 0 auto;
  padding-bottom: 3rem;
}

.mode-banner {
  margin: 0;
  padding: 0.7rem 1rem;
  background: var(--copper);
  color: #fff8f3;
  font-weight: 600;
  text-align: center;
}

.site-header {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 0.75rem 1.25rem;
  padding: 1rem 0 0.5rem;
}

.wordmark {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  color: var(--ink);
  text-decoration: none;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.45rem;
  letter-spacing: -0.03em;
}

.wordmark img { width: 32px; height: 32px; }

.site-header nav,
.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1rem;
}

.site-header nav a,
.site-footer nav a {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
}

.site-header nav a:hover,
.site-footer nav a:hover { text-decoration: underline; }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.12;
}

h1 { font-size: clamp(2.3rem, 7vw, 4.4rem); margin: 0 0 0.75rem; }

h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin: 0 0 0.6rem; }

h3 { font-size: 1.35rem; margin: 0 0 0.4rem; }

.eyebrow {
  margin: 0 0 0.5rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.78rem;
  color: var(--green);
}

.lede { font-size: 1.2rem; max-width: 40rem; }

.plain-list { padding-left: 1.15rem; }

.plain-list li + li { margin-top: 0.35rem; }

.hero {
  display: grid;
  gap: 1.5rem;
  padding: 1rem 0 2rem;
}

.panel {
  background: var(--card);
  border: 2px solid var(--line);
  box-shadow: 4px 4px 0 var(--line);
  padding: 1.1rem;
}

label, legend { font-weight: 600; }

.field { margin: 0 0 0.85rem; }

.field span, legend { display: block; margin-bottom: 0.3rem; }

input, select, textarea {
  width: 100%;
  min-height: 48px;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: #fffdf8;
  border: 2px solid var(--line);
  border-radius: 0;
  padding: 0.55rem 0.7rem;
}

textarea { min-height: 8rem; resize: vertical; }

.row { display: grid; gap: 0.75rem; }

fieldset { border: 0; margin: 0 0 0.85rem; padding: 0; }

.choice {
  display: flex;
  gap: 0.55rem;
  align-items: flex-start;
  font-weight: 400;
  margin: 0.35rem 0;
}

.choice input {
  width: 1.15rem;
  min-height: 1.15rem;
  height: 1.15rem;
  margin-top: 0.2rem;
  flex: 0 0 auto;
}

.check {
  display: grid;
  grid-template-columns: 1.25rem 1fr;
  gap: 0.7rem;
  align-items: start;
  font-weight: 400;
}

.check input {
  width: 1.25rem;
  height: 1.25rem;
  min-height: 1.25rem;
  margin-top: 0.25rem;
}

button, .button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  width: 100%;
  padding: 0.7rem 1rem;
  font: inherit;
  font-weight: 600;
  color: #fbf7ef;
  background: var(--green);
  border: 2px solid var(--line);
  box-shadow: 3px 3px 0 var(--line);
  cursor: pointer;
  text-decoration: none;
}

button:hover, .button:hover { background: var(--green-deep); }

button:disabled { opacity: 0.65; cursor: wait; }

.form-note, .fine, .hint { color: var(--muted); }

.form-note, .hint { margin: 0.75rem 0 0; font-size: 0.95rem; }

.field-error, .form-alert {
  color: var(--copper-ink);
  font-weight: 600;
  margin: 0.35rem 0 0;
}

.hp {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.results, .lead, .prose { margin: 0 0 1.5rem; }

.example-banner {
  margin: 0 0 1rem;
  padding: 0.85rem 1rem;
  background: var(--copper);
  color: #fff8f3;
  font-weight: 600;
}

.blocked-message {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(1.45rem, 3vw, 2rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.notice {
  border: 2px solid var(--line);
  background: var(--notice);
  padding: 1rem;
  margin: 0 0 1rem;
}

.stats {
  display: grid;
  gap: 0.75rem;
  margin: 1rem 0;
}

.stat, .illustration, .loan {
  border: 2px solid var(--line);
  background: #fffdf8;
  padding: 0.9rem 1rem;
}

.stat-label {
  margin: 0;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.stat-value {
  margin: 0.15rem 0;
  font-family: var(--serif);
  font-size: clamp(1.8rem, 4vw, 2.7rem);
  font-weight: 600;
  letter-spacing: -0.03em;
}

.tag-example, .tag-illustrative {
  display: inline-block;
  margin: 0.2rem 0.35rem 0 0;
  padding: 0.12rem 0.4rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.tag-example { background: var(--copper); color: #fff8f3; }

.tag-illustrative { background: var(--ink); color: #fbf7ef; }

.math, .disclaimer { margin: 0.45rem 0 0; }

.loan-list, .illustration-list {
  display: grid;
  gap: 0.75rem;
  margin: 0.75rem 0 0;
  padding: 0;
  list-style: none;
}

.steps {
  display: grid;
  gap: 0.75rem;
  margin: 1rem 0 2rem;
}

.step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  align-items: start;
}

.step-num {
  font-family: var(--serif);
  font-size: 1.8rem;
  line-height: 1;
  color: var(--green);
}

details {
  border-bottom: 2px solid var(--line);
  padding: 0.8rem 0;
}

summary { font-weight: 600; cursor: pointer; }

summary:hover { color: var(--green-deep); }

.draft-banner {
  border: 2px solid var(--line);
  background: var(--notice);
  padding: 1rem;
  margin: 0 0 1rem;
}

.draft-banner strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.6rem;
  letter-spacing: -0.03em;
}

.site-footer {
  border-top: 2px solid var(--line);
  padding: 1.25rem 0 2rem;
}

.site-footer p { margin: 0.45rem 0; }

.confirm {
  border: 2px solid var(--green);
  background: #e7f2ec;
  padding: 1rem;
  font-weight: 600;
}

@media (min-width: 640px) {
  .row.two { grid-template-columns: 1.3fr 0.7fr; }
  .stats { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 880px) {
  .wrap { width: min(1080px, calc(100% - 3rem)); }
  .hero { grid-template-columns: 1.05fr 0.95fr; align-items: start; gap: 2.5rem; padding-top: 1.5rem; }
  .panel { box-shadow: 8px 8px 0 var(--line); padding: 1.4rem; }
  .steps.three { grid-template-columns: repeat(3, 1fr); }
  button, .button { width: auto; min-width: 16rem; }
  .hero button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; }
}