@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600&family=Merriweather:wght@700&display=swap');

:root {
  --navy: #0D2545;
  --navy-mid: #1A3A66;
  --gold: #C9971C;
  --gold-light: #F5E6C0;
  --gold-pale: #FDF8EE;
  --green: #1A6B45;
  --green-light: #E4F2EB;
  --red: #8B1A1A;
  --red-light: #FBEAEA;
  --blue-light: #E8F0FA;
  --blue-mid: #3567B0;
  --text: #1A1A1A;
  --text-soft: #4A5568;
  --text-muted: #718096;
  --border: #DDE3EC;
  --surface: #F7F9FC;
  --white: #FFFFFF;
  --radius: 8px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 15px;
  line-height: 1.65;
  color: var(--text);
  background: var(--surface);
}

/* HEADER */
.header {
  background: var(--navy);
  color: white;
  padding: 2.5rem 2rem 2rem;
  text-align: center;
}
.header-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.header h1 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(22px, 4vw, 32px);
  font-weight: 700;
  line-height: 1.25;
  color: white;
  margin-bottom: 10px;
}
.header p {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  max-width: 500px;
  margin: 0 auto;
}

/* TAB NAV */
.tab-nav-wrap {
  background: var(--navy-mid);
  position: sticky;
  top: 0;
  z-index: 100;
  overflow-x: auto;
  scrollbar-width: none;
}
.tab-nav-wrap::-webkit-scrollbar { display: none; }
.tab-nav {
  display: flex;
  max-width: 860px;
  margin: 0 auto;
  padding: 0 1rem;
}
.tab-btn {
  flex-shrink: 0;
  background: none;
  border: none;
  color: rgba(255,255,255,0.55);
  font-size: 13px;
  font-weight: 500;
  font-family: 'Inter', system-ui, sans-serif;
  padding: 14px 16px;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  white-space: nowrap;
  transition: color 0.15s, border-color 0.15s;
}
.tab-btn:hover { color: rgba(255,255,255,0.85); }
.tab-btn.active {
  color: white;
  border-bottom-color: var(--gold);
}

/* TAB PANELS */
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* CONTAINER */
.container {
  max-width: 820px;
  margin: 0 auto;
  padding: 2rem 1.5rem 4rem;
}

/* SECTION HEADERS */
.section-eyebrow {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}
.section-title {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1.25rem;
}
.section-block { margin-bottom: 2.5rem; }

.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 2rem 0;
}

/* CALLOUT */
.callout {
  border-radius: var(--radius);
  padding: 14px 16px;
  font-size: 14px;
  margin-bottom: 1rem;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.callout-green { background: var(--green-light); border-left: 3px solid var(--green); color: #1A3D2B; }
.callout-red { background: var(--red-light); border-left: 3px solid var(--red); color: #5C1111; }
.callout-gold { background: var(--gold-pale); border-left: 3px solid var(--gold); color: #5C4200; }
.callout-blue { background: var(--blue-light); border-left: 3px solid var(--blue-mid); color: #1A2E5C; }
.callout-icon { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.callout strong { font-weight: 600; }
.callout p { font-size: 14px; line-height: 1.6; }

/* CARD */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem 1.25rem;
  margin-bottom: 10px;
}
.card h3 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.card p, .card li { font-size: 13px; color: var(--text-soft); line-height: 1.6; }
.card ul { padding-left: 1.2rem; }
.card ul li { margin-bottom: 5px; }

/* BADGE */
.badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 2px 8px;
  border-radius: 20px;
  margin-left: 8px;
  vertical-align: middle;
  text-transform: uppercase;
}
.badge-green { background: var(--green-light); color: var(--green); }
.badge-blue { background: var(--blue-light); color: var(--blue-mid); }

/* STEPS */
.steps { display: flex; flex-direction: column; gap: 14px; }
.step { display: flex; gap: 14px; align-items: flex-start; }
.step-num {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  font-size: 13px; font-weight: 600;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
  cursor: pointer;
  user-select: none;
  transition: background 0.15s, transform 0.1s;
}
.step-num:hover { background: var(--navy-mid); transform: scale(1.08); }
.step.done .step-num { background: var(--green); }
.step.done .step-num::after { content: '✓'; font-size: 14px; }
.step.done .step-num span { display: none; }
.step.done .step-body h4 { color: var(--text-muted); text-decoration: line-through; }
.step.done .step-body p { color: #A0AEC0; }
.step-body h4 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 3px; }
.step-body p { font-size: 13px; color: var(--text-soft); line-height: 1.6; }

/* PHASE LABEL */
.phase-label {
  background: var(--navy-mid);
  color: white;
  font-size: 11px; font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: var(--radius);
  display: inline-block;
  margin-bottom: 14px;
  margin-top: 6px;
}

/* GLOSSARY */
.glossary { display: flex; flex-direction: column; gap: 8px; }
.glossary-item {
  display: flex; gap: 14px;
  padding: 12px 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 13px;
}
.glossary-term { font-weight: 600; color: var(--navy); min-width: 130px; flex-shrink: 0; padding-top: 1px; }
.glossary-def { color: var(--text-soft); line-height: 1.6; }

/* RESOURCE LINKS */
.resource-group-title {
  font-size: 11px; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--text-muted);
  margin: 1.5rem 0 8px;
}
.resource-list { display: flex; flex-direction: column; gap: 6px; }
.resource-link {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 10px 14px;
  text-decoration: none; color: var(--text);
  transition: border-color 0.15s, background 0.15s;
}
.resource-link:hover { border-color: var(--navy); background: var(--blue-light); }
.resource-link-icon { font-size: 20px; flex-shrink: 0; margin-top: 1px; }
.resource-link-title { font-size: 13px; font-weight: 600; color: var(--blue-mid); margin-bottom: 2px; }
.resource-link-desc { font-size: 12px; color: var(--text-muted); line-height: 1.4; }

/* CALCULATOR */
.calc-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 1rem;
}
.calc-header {
  background: var(--navy);
  color: white;
  padding: 14px 20px;
  font-size: 14px; font-weight: 600;
}
.calc-body { padding: 20px; }
.calc-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.calc-label { font-size: 13px; font-weight: 500; color: var(--text-soft); flex: 1; min-width: 0; }
.calc-input {
  width: 130px;
  padding: 8px 10px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 14px; font-weight: 500;
  color: var(--navy);
  text-align: right;
  flex-shrink: 0;
  font-family: 'Inter', system-ui, sans-serif;
}
.calc-input:focus { outline: 2px solid var(--blue-mid); border-color: transparent; }
.calc-divider { border: none; border-top: 1px dashed var(--border); margin: 16px 0; }
.calc-results {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 16px 20px;
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-label { font-size: 12px; color: rgba(255,255,255,0.65); padding-right: 12px; }
.calc-result-val { font-size: 15px; font-weight: 600; color: white; white-space: nowrap; }
.calc-result-val.gold { color: var(--gold); }
.calc-result-val.green { color: #6EE7B7; }

/* SAVINGS CHART */
.chart-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin-top: 1rem;
}
.chart-header { background: var(--green); color: white; padding: 12px 20px; font-size: 13px; font-weight: 600; }
.chart-body { padding: 20px; }
.year-bars { display: flex; flex-direction: column; gap: 10px; }
.year-row { display: flex; align-items: center; gap: 12px; }
.year-label { font-size: 12px; font-weight: 600; color: var(--text-muted); width: 50px; flex-shrink: 0; }
.year-bar-wrap { flex: 1; background: var(--surface); border-radius: 4px; height: 28px; overflow: hidden; }
.year-bar { height: 100%; background: var(--green); border-radius: 4px; display: flex; align-items: center; padding-left: 10px; min-width: 4px; transition: width 0.35s ease; }
.year-bar-val { font-size: 12px; font-weight: 600; color: white; white-space: nowrap; }

/* HOME CARDS */
.home-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 12px;
  margin-top: 10px;
}
.home-card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.home-card-header { padding: 10px 14px; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.home-card-header.conservative { background: var(--blue-light); color: var(--blue-mid); }
.home-card-header.moderate { background: var(--green-light); color: var(--green); }
.home-card-header.stretch { background: var(--gold-pale); color: #7A5800; }
.home-card-body { padding: 14px; }
.home-price { font-size: 24px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.home-detail { font-size: 12px; color: var(--text-muted); line-height: 1.6; }
.home-detail span { display: block; }

/* OVERVIEW */
.overview-steps { display: flex; flex-direction: column; padding-top: 1.5rem; }
.overview-step {
  display: flex;
  gap: 20px;
  cursor: pointer;
}
.overview-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
}
.overview-num {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  font-size: 15px; font-weight: 600;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background 0.15s;
}
.overview-step:hover .overview-num { background: var(--gold); }
.overview-line {
  width: 2px;
  flex: 1;
  background: var(--border);
  margin: 6px 0;
  min-height: 28px;
}
.overview-body {
  padding-bottom: 2rem;
  padding-top: 6px;
}
.overview-step-last .overview-body { padding-bottom: 0.5rem; }
.overview-title { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 5px; }
.overview-desc { font-size: 13px; color: var(--text-soft); line-height: 1.65; margin-bottom: 7px; }
.overview-cta { font-size: 12px; font-weight: 600; color: var(--blue-mid); }
.overview-step:hover .overview-cta { color: var(--navy); }

/* FOOTER */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.45);
  font-size: 12px;
  text-align: center;
  padding: 1.5rem 2rem;
  line-height: 1.7;
}
.footer a { color: var(--gold); text-decoration: none; }

@media (max-width: 560px) {
  .tab-btn { font-size: 12px; padding: 12px 12px; }
  .header { padding: 1.75rem 1.25rem 1.5rem; }
  .container { padding: 1.5rem 1rem 3rem; }
  .calc-row { flex-direction: column; align-items: flex-start; }
  .calc-input { width: 100%; text-align: left; }
  .glossary-item { flex-direction: column; gap: 4px; }
  .glossary-term { min-width: unset; }
}