:root {
  --text: #1e293b;
  --muted: #64748b;
  --line: #e2e8f0;
  --surface: #ffffff;
  --warm: #faf7f5;
  --accent: #1e3a5f;
  --accent-light: #eef3fa;
  --green: #16a34a;
  --green-bg: #f0fdf4;
}

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

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--warm);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  width: min(640px, 90vw);
  margin: 0 auto;
}

/* ── Header ── */
.header {
  padding: 52px 0 36px;
  text-align: center;
}

h1 {
  font-size: clamp(1.6rem, 4.5vw, 2.2rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--accent);
}

.subtitle {
  margin-top: 10px;
  color: var(--muted);
  font-size: 1.05rem;
  max-width: 48ch;
  margin-left: auto;
  margin-right: auto;
}

/* ── Stack ── */
.stack {
  display: grid;
  gap: 14px;
  margin-bottom: 48px;
}

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 24px;
}

h2 {
  font-size: 1.12rem;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

p {
  margin-bottom: 8px;
}

/* ── Steps ── */
.steps {
  display: grid;
  gap: 16px;
}

.step {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.step-num {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-size: 0.85rem;
  font-weight: 700;
}

.step h3 {
  font-size: 0.98rem;
  margin-bottom: 2px;
}

.step p {
  color: var(--muted);
  font-size: 0.93rem;
  margin: 0;
}

/* ── Compare ── */
.context {
  font-size: 0.85rem;
  color: var(--muted);
  margin-bottom: 14px;
}

.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 14px;
}

.col {
  text-align: center;
  padding: 18px 10px;
  border-radius: 10px;
}

.col.standard {
  background: #f8fafc;
  border: 1px solid var(--line);
}

.col.buydown {
  background: var(--green-bg);
  border: 1px solid #bbf7d0;
}

.col-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  margin-bottom: 6px;
}

.payment {
  font-size: 1.8rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 2px;
}

.payment span {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
}

.rate {
  font-size: 0.85rem;
  color: var(--muted);
}

.note {
  font-size: 0.9rem;
  color: var(--muted);
  font-style: italic;
}

/* ── Refinance Callout ── */
.refi-card {
  background: #f0fdf4;
  border-color: #bbf7d0;
  border-left: 3px solid var(--green);
}

.refi-card p em {
  font-style: italic;
}

/* ── Benefits ── */
ul {
  padding-left: 18px;
}

li {
  margin-bottom: 10px;
  font-size: 0.95rem;
}

/* ── CTA Card ── */
.cta-card {
  background: var(--accent-light);
  border-color: #c7d6e8;
}

.next-step {
  font-weight: 600;
  color: var(--accent);
}

/* ── Form ── */
.deal-form {
  margin-top: 16px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}

.field label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent);
  margin-bottom: 4px;
}

.field input {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid #cbd5e1;
  border-radius: 8px;
  font-size: 0.95rem;
  font-family: inherit;
  background: #fff;
  transition: border-color 0.15s;
}

.field input:focus {
  outline: none;
  border-color: #3b82f6;
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.12);
}

.field input::placeholder {
  color: #94a3b8;
}

.submit-btn {
  display: block;
  width: 100%;
  padding: 13px;
  margin-top: 4px;
  background: var(--accent);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  font-family: inherit;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  transition: background 0.15s;
}

.submit-btn:hover {
  background: #152a48;
}

/* ── Footer ── */
.footer {
  padding: 20px 0 28px;
  text-align: center;
}

.prepared {
  font-size: 0.85rem;
  color: var(--muted);
}

.broker {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent);
  margin-top: 2px;
}

/* ── Responsive ── */
@media (max-width: 580px) {
  .compare {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .header {
    padding: 36px 0 28px;
  }
}