/* CreditBharosa — Premium Finish v1 (canary layer)
   Layered on top of style.css. Brand tokens are unchanged; this file only adds the
   spacing/radius/elevation scale and refines components. See DESIGN_SYSTEM.md. */
:root{
  --ink:#0C1B33; --ink-2:#2C3F63; --muted:#5A6579;
  --line:#E5E2DA; --line-2:#D2CEC3;
  --r-1:8px; --r-2:12px; --r-3:16px;
  --e-1:0 1px 2px rgba(12,27,51,.05), 0 16px 40px -28px rgba(12,27,51,.35);
  --ease:150ms ease;
}

/* ── type: labels are sentence case, never tracked caps ─────────── */
.eyebrow,.doc .kicker{font-size:14px;letter-spacing:0;text-transform:none;font-weight:600;color:var(--green)}
h1,h2,h3{text-wrap:balance}
p{text-wrap:pretty}

/* ── buttons ────────────────────────────────────────────────── */
.btn{transition:background-color var(--ease),border-color var(--ease),color var(--ease)}
.btn-text{background:none;border-color:transparent;color:var(--navy);padding-left:6px;padding-right:6px;
  text-decoration:underline;text-decoration-color:var(--line-2);text-decoration-thickness:1.5px;text-underline-offset:6px}
.btn-text:hover{color:var(--green);text-decoration-color:var(--green)}

/* ── section rhythm ─────────────────────────────────────────── */
.sec{padding:96px 0}
@media(max-width:699px){.sec{padding:64px 0}}
.sec-head h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-.03em;line-height:1.1}
.sec-head .sub{font-size:17px;line-height:1.6}
.quick,.gws,.routes{margin-top:44px}
.sec-foot{margin-top:36px}

/* ── HOMEPAGE: hero ─────────────────────────────────────────── */
.hero{padding:72px 0 96px}
@media(max-width:699px){.hero{padding:44px 0 64px}}
.hero h1.tagline-lg{font-size:clamp(34px,5.2vw,58px);letter-spacing:-.035em;line-height:1.05}
.hero .lede{font-size:clamp(17px,1.5vw,19px);line-height:1.55}
.assure-list{list-style:none;margin:22px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:8px 20px;letter-spacing:0}
.assure-list li{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:600;color:var(--ink-2)}
.assure-list li:before{content:"";width:16px;height:16px;flex:none;border-radius:50%;background:var(--green-bg)
  url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 8.2l2.3 2.3 4.7-5' fill='none' stroke='%230E7A5F' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.hero .ctas{margin-top:30px;align-items:center;gap:10px 18px}
.task-selector{margin-top:36px;padding-top:22px;border-top:1px solid var(--line)}
.task-label{font-size:14px;font-weight:600;color:var(--muted)}
.task-pills{gap:8px;margin-top:12px}
.task-pill{background:transparent;border:1px solid var(--line-2);font-size:14px;font-weight:500;color:var(--ink);
  transition:border-color var(--ease),color var(--ease)}
.task-pill:hover{background:var(--white)}

/* hero product UI (real EMI calculation, not a mock dashboard) */
.dash{border-radius:var(--r-3);box-shadow:var(--e-1);border-color:var(--line)}
.dash-head{padding:28px 28px 24px}
.dash-head .lbl{text-transform:none;letter-spacing:0;font-size:14px;font-weight:600;color:var(--muted)}
.dash-score{align-items:baseline;gap:10px;margin-top:10px}
.dash-score .num{font-size:clamp(44px,5vw,56px);font-weight:700;letter-spacing:-.045em}
.dash-score .band{background:none;border:0;padding:0;text-transform:lowercase;letter-spacing:0;
  font-size:16px;font-weight:500;color:var(--muted)}
.dash-rows{padding:8px 28px 26px}
.d-row{border-color:var(--line)}
.d-row .k{color:var(--muted);font-weight:500}
.d-row .v,.d-row .v-flat{background:none;padding:0;border-radius:0;font-size:15.5px;font-weight:600;color:var(--ink)}
.split-bar{height:8px;margin-top:18px}

/* ── HOMEPAGE: tools as an index of product surfaces ────────── */
.quick{grid-template-columns:1fr;gap:0}
@media(min-width:1000px){.quick{grid-template-columns:1fr 1fr;column-gap:56px}}
.quick .qa{display:grid;grid-template-columns:44px minmax(0,1fr) auto;grid-template-areas:"ic h go" "ic p go";
  column-gap:18px;row-gap:3px;align-items:start;background:none;border:0;border-bottom:1px solid var(--line);
  border-radius:0;box-shadow:none;padding:24px 0;transition:none}
.quick .qa:first-child{border-top:1px solid var(--line)}
@media(min-width:1000px){.quick .qa:nth-child(2){border-top:1px solid var(--line)}}
.quick .qa:hover{transform:none;box-shadow:none;border-color:var(--line)}
.quick .qa .ic{grid-area:ic;width:44px;height:44px;margin:0;border-radius:var(--r-2);background:var(--white);
  border:1px solid var(--line);color:var(--navy)}
.quick .qa h3{grid-area:h;margin:0;font-size:18px;letter-spacing:-.015em;transition:color var(--ease)}
.quick .qa p{grid-area:p;margin:0;font-size:15px;line-height:1.5;color:var(--muted)}
.quick .qa .go{grid-area:go;align-self:center;margin:0 0 0 8px;font-size:14px;font-weight:600;color:var(--green);white-space:nowrap}
.quick .qa:hover h3{color:var(--green)}
.quick .qa:hover .ic{border-color:var(--green-line);color:var(--green)}
@media(max-width:559px){
  .quick .qa{grid-template-columns:40px minmax(0,1fr);grid-template-areas:"ic h" "ic p" "ic go";padding:20px 0}
  .quick .qa .ic{width:40px;height:40px}
  .quick .qa .go{margin:8px 0 0;align-self:start}
}

/* ── HOMEPAGE: category directory (was photo + glass cards) ─── */
.gws{grid-template-columns:1fr;gap:0}
@media(min-width:640px){.gws{grid-template-columns:1fr 1fr;column-gap:40px}}
@media(min-width:1000px){.gws{grid-template-columns:repeat(3,minmax(0,1fr));column-gap:56px}}
.gws .gw{background:none;-webkit-backdrop-filter:none;backdrop-filter:none;border:0;border-top:1px solid var(--navy);
  border-radius:0;box-shadow:none;padding:20px 0 36px;transition:none}
.gws .gw:hover{transform:none;background:none}
.gws .gw h3{font-size:19px;letter-spacing:-.02em;transition:color var(--ease)}
.gws .gw>a:hover h3{color:var(--green)}
.gws .gw p{margin-top:8px;font-size:15px;line-height:1.55;color:var(--muted)}
.gws .gw-sub{border-top:0;margin-top:14px;padding-top:0;gap:8px}
.gws .gw-sub a{font-size:14.5px;font-weight:600;color:var(--green)}

/* ── HOMEPAGE: intent cards (fixes the 820–870px overflow) ──── */
.routes{gap:16px}
@media(min-width:820px){.routes{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}}
.route{display:flex;flex-direction:column;min-width:0;background:var(--white);border:1px solid var(--line);
  border-radius:var(--r-3);padding:28px 26px 10px}
.route-fig{display:block;width:100%;height:auto;margin:0 0 26px;padding:22px 20px;box-sizing:border-box;background:var(--paper);
  border:1px solid var(--line);border-radius:var(--r-2);overflow:visible}
.route-fig text{font-family:inherit}
.route-fig .f-lbl{font-size:13px;font-weight:600;fill:var(--ink)}
.route-fig .f-sm{font-size:12.5px;font-weight:500;fill:var(--muted)}
.route-fig .f-code{font-size:15px;font-weight:700;fill:var(--ink);letter-spacing:.08em}
.route-fig .f-navy{fill:var(--navy)} .route-fig .f-green{fill:var(--green)} .route-fig .f-amber{fill:var(--amber)}
.route-fig .f-base{fill:var(--paper-2)} .route-fig .f-base-dot{fill:var(--line-2)}
.route-fig .f-bubble{fill:var(--paper);stroke:var(--line-2);stroke-width:1.5}
.route-fig .f-shield{fill:var(--green-bg);stroke:var(--green);stroke-width:1.8;stroke-linejoin:round}
.route-fig .f-tick{fill:none;stroke:var(--green);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.route h3{border-top:0;padding-top:0;margin-bottom:8px;font-size:21px;letter-spacing:-.02em}
.route p{flex:1;margin-bottom:18px;font-size:15.5px;color:var(--muted)}
.route a{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:0;padding:15px 0;
  border-top:1px solid var(--line);font-size:15px;font-weight:600;color:var(--ink);transition:color var(--ease)}
.route a:after{content:"";flex:none;width:7px;height:7px;margin-right:4px;border-top:1.7px solid var(--green);
  border-right:1.7px solid var(--green);transform:rotate(45deg)}
.route a:hover{color:var(--green);text-decoration:none}

/* ── FAQ ───────────────────────────────────────────────────── */
.faq summary{font-size:17px}
.faq-foot{margin-top:24px;font-size:15px}
.faq-foot a{color:var(--ink);font-weight:600;text-decoration:underline;text-decoration-color:var(--line-2);text-underline-offset:4px}
.faq-foot a:hover{color:var(--green)}

/* ── ARTICLE reading experience ─────────────────────────────── */
@media(min-width:1100px){
  .art-grid{display:grid;grid-template-columns:minmax(0,700px) 240px;column-gap:clamp(64px,8vw,128px);align-items:start}
}
.doc.art{max-width:700px;padding:48px 0 88px}
.doc.art h1{font-size:clamp(32px,4.4vw,48px);letter-spacing:-.035em;line-height:1.08;max-width:20ch;margin-top:6px}
.art-lede{margin-top:20px;font-size:clamp(18px,1.6vw,20px);line-height:1.55;color:var(--muted)}
.art-byline{display:flex;flex-wrap:wrap;gap:4px 18px;margin:30px 0 8px;padding:16px 0;
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:14px;color:var(--muted)}
.art-byline .by{flex-basis:100%;color:var(--ink);font-weight:600}
.art-byline .verified{color:var(--ink);font-weight:600}
.doc.art p,.doc.art li{font-size:17.5px;line-height:1.72;color:var(--ink-2)}
.doc.art p{margin-bottom:18px}
.doc.art h2{font-size:clamp(23px,2.4vw,28px);letter-spacing:-.025em;line-height:1.2;margin:60px 0 16px;
  padding-top:0;border-top:0;scroll-margin-top:96px}
.doc.art h3{font-size:19px;margin:32px 0 8px}
.doc.art a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:3px}
.doc.art .breadcrumb a{color:var(--muted);text-decoration:none}
.doc.art .breadcrumb a:hover{color:var(--green)}
.doc.art ul{margin:0 0 22px;padding-left:22px}
.doc.art li{margin-bottom:10px;padding-left:4px}
.doc.art li::marker{color:var(--green)}
.doc table{margin:22px 0 28px;border-top:1.5px solid var(--navy);font-size:15.5px}
.doc th{text-transform:none;letter-spacing:0;font-size:14px;font-weight:600;color:var(--ink);padding:12px 16px 12px 0}
.doc td{padding:15px 16px 15px 0;vertical-align:top;color:var(--ink-2);line-height:1.55}
.doc td:first-child{font-weight:600;color:var(--ink)}
.doc.art .callout,.doc.art .note{margin:28px 0;padding:20px 22px;border-radius:0 var(--r-2) var(--r-2) 0;font-size:16.5px;line-height:1.62}
.doc.art .callout{background:var(--paper-2);border-left-color:var(--navy);color:var(--ink-2)}
.doc.art .callout b,.doc.art .note b{color:var(--ink)}
.doc.art .note{color:#0A5A46}
.doc.art .callout.next{background:var(--white);border:1px solid var(--line);border-radius:var(--r-2);margin:16px 0}
.doc.art .callout.next:first-of-type{margin-top:44px}
.doc.art .callout.sources{background:none;border:0;border-top:1px solid var(--line);border-radius:0;
  padding:22px 0 0;margin-top:44px;font-size:14.5px;line-height:1.65;color:var(--muted)}
.art-aside{display:none}
@media(min-width:1100px){.art-aside{display:block;position:sticky;top:96px;padding-top:56px}}
.toc-h{font-size:14px;font-weight:600;color:var(--ink);margin-bottom:12px}
.toc ol{list-style:none;margin:0;padding:0;border-left:1px solid var(--line)}
.toc a{display:block;margin-left:-1px;padding:6px 0 6px 16px;border-left:2px solid transparent;
  font-size:14px;line-height:1.4;color:var(--muted);text-decoration:none;transition:color var(--ease),border-color var(--ease)}
.toc a:hover{color:var(--ink);border-left-color:var(--green)}
@media(max-width:699px){.doc.art p,.doc.art li{font-size:17px}.doc.art{padding-top:32px}}

/* ── CALCULATOR product experience (FOIR canary) ────────────── */
.ph h1{font-size:clamp(32px,4.6vw,50px);letter-spacing:-.035em;line-height:1.08;max-width:20ch}
.calc-card{box-shadow:none;border-color:var(--line);border-radius:20px;padding:8px;gap:0}
@media(min-width:900px){.calc-card{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);padding:10px;gap:0}}
.calc-form{padding:24px 16px 28px}
@media(min-width:900px){.calc-form{padding:32px 36px 36px 30px}}
.calc-form h2.eyebrow,.calc-results h2.eyebrow{font-size:17px;font-weight:700;color:var(--ink);letter-spacing:-.01em;margin-bottom:24px}
.field{margin-bottom:28px}
.field label{font-size:15px;font-weight:600}
.field-top{flex-wrap:wrap;row-gap:2px}
.field .val{font-size:14px;font-weight:600;color:var(--muted)}
.field .hint{font-size:13.5px;line-height:1.5;color:var(--muted)}
.affix{display:flex;align-items:center;background:var(--white);border:1.5px solid #9A9587;border-radius:var(--r-2);
  transition:border-color var(--ease),box-shadow var(--ease)}
.affix:hover{border-color:var(--ink-2)}
.affix:focus-within{border-color:var(--green);box-shadow:0 0 0 3px rgba(14,122,95,.16)}
.field .affix input[type="number"],.field .affix input[type="number"]:focus{flex:1;min-width:0;border:0;background:transparent;
  padding:13px 14px;font-size:17px;font-weight:600;color:var(--ink);outline:none}
.field .affix.has-pre input[type="number"]{padding-left:4px}
.affix-pre{padding-left:14px;font-size:17px;font-weight:600;color:var(--muted)}
.affix-suf{padding-right:14px;font-size:14px;font-weight:500;color:var(--muted);white-space:nowrap}
.field input[type="range"]{height:4px;margin-top:14px;background:var(--line)}
.field input[type="range"]::-webkit-slider-thumb{width:20px;height:20px;border:2px solid var(--white);box-shadow:0 0 0 1px var(--green),0 1px 3px rgba(12,27,51,.3)}
.field input[type="range"]::-moz-range-thumb{width:18px;height:18px;border:2px solid var(--white);box-shadow:0 0 0 1px var(--green),0 1px 3px rgba(12,27,51,.3)}
.field input[type="range"]:focus-visible{outline:2.5px solid var(--green);outline-offset:6px}
.loantype{display:inline-flex;flex-wrap:nowrap;max-width:100%;gap:2px;padding:4px;background:var(--paper-2);border-radius:999px}
.loantype .chip{flex:1 1 auto;white-space:nowrap;border:0;background:transparent;padding:9px 16px;font-weight:600;color:var(--muted)}
@media(max-width:420px){.loantype{display:flex}.loantype .chip{padding:9px 10px;font-size:13.5px}}
.loantype .chip:hover{color:var(--ink)}
.loantype .chip[aria-pressed="true"]{background:var(--navy);color:var(--white);box-shadow:none}
.calc-results{background:var(--paper-2);border-radius:var(--r-3);padding:26px 18px}
@media(min-width:900px){.calc-results{position:sticky;top:84px;align-self:start;padding:32px 30px}}
.foir-head{flex-wrap:wrap;align-items:center;gap:10px 14px}
.foir-head .num{font-size:clamp(52px,6vw,64px);font-weight:700;letter-spacing:-.05em}
.foir-band{letter-spacing:0;font-size:13.5px;font-weight:600;padding:5px 12px}
.gauge-wrap{margin-top:40px}
.gauge-wrap .gauge{height:8px;margin-top:0;background:var(--white);box-shadow:inset 0 0 0 1px var(--line)}
.gauge-marker{top:-6px;height:20px;width:2px;background:var(--ink)}
.gauge-marker-lbl{top:-27px;font-size:12px;font-weight:600;color:var(--ink)}
.calc-results .gauge-scale{margin-top:10px!important;font-size:12px;color:var(--muted)}
.stat-rows{border-top:1px solid var(--line-2);margin-top:26px}
.stat-row{border-bottom-color:var(--line-2);padding:14px 0}
.stat-row span{font-size:15px;color:var(--muted)}
.stat-row b{font-size:17px;font-weight:600;color:var(--ink)}
.calc-card .stat-row.total{flex-direction:column;align-items:flex-start;gap:2px;margin:14px 0;padding:18px 18px 20px;
  background:var(--white);border:1px solid var(--green-line);border-radius:var(--r-2)}
.calc-card .stat-row.total span{font-size:14px;font-weight:600;color:var(--green)}
.calc-card .stat-row.total b{font-size:clamp(26px,3vw,32px);font-weight:700;letter-spacing:-.03em;color:var(--ink);white-space:normal;text-align:left}
.calc-card .stat-row:last-child{border-bottom:0}
.trust-note{margin-top:20px;font-size:13.5px;color:var(--muted)}
.related a{border-width:1px;font-weight:500}

/* ── motion: state changes only ─────────────────────────────── */
@media(prefers-reduced-motion:reduce){.btn,.task-pill,.route a,.toc a,.affix,.quick .qa h3{transition:none}}