/* Equity Roadmap — layout: single column reading measure, tools as full-bleed panels, map-stop progress strip */
:root{
  --bg:#f7f8fa; --surface:#ffffff; --surface-2:#eef2f7; --line:#d6dde8;
  --fg:#15202f; --fg-2:#4a5a70; --fg-3:#7a8798;
  --navy:#17304f; --navy-ink:#ffffff;
  --amber:#c9861c; --amber-ink:#1a1200; --amber-soft:#fbefd9;
  --good:#1f7a4d; --warn:#9a5b00;
  --display:"Archivo",system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Source Sans 3","Source Sans Pro",system-ui,-apple-system,"Segoe UI",sans-serif;
  --radius:10px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0f1621; --surface:#172131; --surface-2:#1f2b3e; --line:#2e3d53;
  --fg:#e8edf4; --fg-2:#aab6c7; --fg-3:#7d8a9c;
  --navy:#1d3a5e; --navy-ink:#ffffff;
  --amber:#e4a23a; --amber-ink:#1a1200; --amber-soft:#3a2d14;
  --good:#4fbf85; --warn:#e0a94a; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0f1621; --surface:#172131; --surface-2:#1f2b3e; --line:#2e3d53;
  --fg:#e8edf4; --fg-2:#aab6c7; --fg-3:#7d8a9c;
  --navy:#1d3a5e; --navy-ink:#ffffff;
  --amber:#e4a23a; --amber-ink:#1a1200; --amber-soft:#3a2d14;
  --good:#4fbf85; --warn:#e0a94a; color-scheme:dark}

*{box-sizing:border-box}
html,body{margin:0}
body{background:var(--bg);color:var(--fg);font-family:var(--body);font-size:18px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
:root[data-theme="dark"] a,:root:not([data-theme="light"]) a{color:inherit}
h1,h2,h3,h4{font-family:var(--display);line-height:1.15;text-wrap:balance;margin:0;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3rem);font-weight:700}
h2{font-size:clamp(1.5rem,3.2vw,2rem);font-weight:700;margin-top:2.5rem}
h3{font-size:1.25rem;font-weight:600;margin-top:1.75rem}
p,ul,ol{margin:.9rem 0}
li{margin:.3rem 0}
strong{font-weight:600}
.eyebrow{font-family:var(--display);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--fg-3);font-weight:600}
.lede{font-size:1.2rem;color:var(--fg-2);max-width:62ch}
.muted{color:var(--fg-2)}
.small{font-size:.9rem}
.num{font-variant-numeric:tabular-nums}

/* shell */
.wrap{max-width:1100px;margin:0 auto;padding-inline:20px}
.measure{max-width:70ch}
.site-header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:env(safe-area-inset-top,0px);z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--fg)}
.brand svg{width:34px;height:34px;flex:none}
.brand b{font-family:var(--display);font-size:1.15rem;letter-spacing:-.01em}
.brand small{display:block;font-size:.72rem;color:var(--fg-3);letter-spacing:.04em;text-transform:uppercase;font-weight:600}
nav.main{display:flex;gap:4px;flex-wrap:wrap;align-items:center}
nav.main a{text-decoration:none;color:var(--fg-2);padding:8px 10px;border-radius:6px;font-size:.95rem;font-weight:600}
nav.main a:hover,nav.main a:focus-visible{background:var(--surface-2);color:var(--fg)}
.nmls-bar{background:var(--navy);color:var(--navy-ink);font-size:.8rem;text-align:center;padding:6px 20px;letter-spacing:.02em}
.nmls-bar a{color:inherit}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);font-weight:700;font-size:.95rem;padding:12px 18px;border-radius:8px;border:2px solid transparent;cursor:pointer;text-decoration:none;line-height:1}
.btn-primary{background:var(--amber);color:var(--amber-ink);border-color:var(--amber)}
.btn-primary:hover,.btn-primary:focus-visible{filter:brightness(1.06)}
.btn-ghost{background:transparent;color:var(--fg);border-color:var(--line)}
.btn-ghost:hover,.btn-ghost:focus-visible{background:var(--surface-2)}
.btn-navy{background:var(--navy);color:var(--navy-ink);border-color:var(--navy)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}

/* hero */
.hero{padding-block:48px 24px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}}
.route{display:flex;gap:0;align-items:center;margin:20px 0;flex-wrap:wrap}
.route .stop{display:flex;align-items:center;gap:8px;font-family:var(--display);font-weight:600;font-size:.9rem}
.route .dot{width:14px;height:14px;border-radius:50%;background:var(--amber);border:3px solid var(--surface);box-shadow:0 0 0 2px var(--amber)}
.route .seg{height:3px;width:44px;background:var(--line);margin-inline:10px}

/* tool panel */
.tool{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:28px 0;box-shadow:0 1px 0 rgba(0,0,0,.03)}
.tool-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.tool-head h3{margin:0;font-size:1.15rem}
.tool-head .eyebrow{color:var(--amber)}
.tool form{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px 16px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field label{font-size:.85rem;font-weight:600;color:var(--fg-2)}
.field .hint{font-size:.78rem;color:var(--fg-3)}
.field input[type=number],.field input[type=text],.field input[type=email],.field input[type=tel],.field select{font:inherit;font-size:1rem;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:var(--bg);color:var(--fg);width:100%;min-width:0}
.field .money{position:relative}
.field .money span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--fg-3)}
.field .money input{padding-left:26px}
.field .pct input{padding-right:30px}
.field .pct{position:relative}.field .pct span{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--fg-3)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.92rem}
.check input{margin-top:4px;flex:none}
.example-note{grid-column:1/-1;font-size:.85rem;color:var(--warn);background:var(--amber-soft);padding:8px 12px;border-radius:6px}
.results{margin-top:18px;border-top:1px solid var(--line);padding-top:18px}
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px}
.stat{background:var(--surface-2);border-radius:8px;padding:14px 16px;min-width:0}
.stat .k{font-size:.8rem;color:var(--fg-2);font-weight:600;letter-spacing:.02em}
.stat .v{font-family:var(--display);font-size:1.6rem;font-weight:700;font-variant-numeric:tabular-nums;line-height:1.1;margin-top:4px;overflow-wrap:anywhere}
.stat .s{font-size:.78rem;color:var(--fg-3);margin-top:4px}
.stat.hi{background:var(--amber-soft)}
.assume{font-size:.82rem;color:var(--fg-2);margin-top:12px;line-height:1.45}
.assume b{color:var(--fg)}
.cta-row{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:16px}
.flag{font-size:.85rem;color:var(--warn);font-weight:600}
table.compare{width:100%;border-collapse:collapse;font-size:.92rem;margin-top:10px}
table.compare th,table.compare td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line);vertical-align:top}
table.compare th{font-family:var(--display);font-size:.8rem;letter-spacing:.04em;text-transform:uppercase;color:var(--fg-3)}
table.compare td.num{text-align:right}
.table-scroll{overflow-x:auto;margin:16px 0}
.table-scroll table{min-width:520px}

/* gate */
.gate{background:var(--navy);color:var(--navy-ink);border-radius:var(--radius);padding:22px;margin-top:18px}
.gate h4{margin:0 0 4px;font-size:1.15rem}
.gate p{margin:4px 0 14px;color:#cfd9e6;font-size:.95rem}
.gate form{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}
.gate .field label{color:#cfd9e6}
.gate .field input{background:#ffffff;color:#15202f;border-color:transparent}
.gate .check{grid-column:1/-1;color:#cfd9e6;font-size:.85rem;line-height:1.4}
.gate .actions{grid-column:1/-1;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.gate .err{grid-column:1/-1;color:#ffd0a6;font-size:.9rem;font-weight:600}
.thanks{background:var(--surface);border:2px solid var(--good);border-radius:var(--radius);padding:22px;margin-top:18px}
.thanks h4{margin:0 0 6px;color:var(--good)}
.pills{display:flex;gap:8px;flex-wrap:wrap;margin:8px 0 14px}
.pill{border:1px solid var(--line);background:var(--bg);border-radius:999px;padding:7px 12px;font:inherit;font-size:.9rem;cursor:pointer;color:var(--fg)}
.pill[aria-pressed="true"]{background:var(--amber);border-color:var(--amber);color:var(--amber-ink);font-weight:600}

/* decision tool */
.q{grid-column:1/-1}
.q legend{font-weight:600;margin-bottom:6px}
.q .opts{display:flex;gap:8px;flex-wrap:wrap}
.q .opts label{border:1px solid var(--line);border-radius:999px;padding:8px 14px;cursor:pointer;background:var(--bg);font-size:.95rem}
.q .opts input{position:absolute;opacity:0;pointer-events:none}
.q .opts input:checked+span{font-weight:700}
.q .opts label:has(input:checked){background:var(--amber);border-color:var(--amber);color:var(--amber-ink)}
.rec{background:var(--amber-soft);border-radius:8px;padding:16px 18px}
.rec .k{font-size:.8rem;font-weight:600;color:var(--warn);letter-spacing:.04em;text-transform:uppercase}
.rec .v{font-family:var(--display);font-size:1.4rem;font-weight:700;margin:4px 0}

/* content blocks */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:20px 0}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px;min-width:0;display:flex;flex-direction:column;gap:8px}
.card h3{margin:0;font-size:1.1rem}
.card p{margin:0;color:var(--fg-2);font-size:.98rem}
.card a.more{margin-top:auto;font-weight:600;font-size:.95rem}
.callout{border-left:4px solid var(--amber);background:var(--surface);padding:14px 18px;border-radius:0 8px 8px 0;margin:20px 0}
.callout p{margin:0}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{font-family:var(--display);font-weight:600;cursor:pointer;font-size:1.05rem}
.faq details p{margin:8px 0 0;color:var(--fg-2)}
.example{background:var(--surface-2);border-radius:8px;padding:16px 18px;margin:16px 0;font-size:.98rem}
.example .num{font-weight:600}
.steps{counter-reset:s;list-style:none;padding:0;margin:20px 0;display:grid;gap:12px}
.steps li{position:relative;padding-left:44px;counter-increment:s}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--amber);color:var(--amber-ink);font-family:var(--display);font-weight:700;display:grid;place-items:center;font-size:.95rem}
.steps li b{display:block;font-family:var(--display)}
.byline{display:flex;gap:12px;align-items:center;margin:18px 0 8px;font-size:.9rem;color:var(--fg-2)}
.byline .avatar{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:700;flex:none}
.bottom-cta{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin:40px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.bottom-cta h2{margin:0;font-size:1.5rem}
.bottom-cta p{margin:6px 0 0;color:var(--fg-2)}

/* footer */
.site-footer{margin-top:56px;background:var(--surface);border-top:1px solid var(--line);font-size:.9rem;color:var(--fg-2)}
.site-footer .wrap{padding-block:36px 28px;display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
@media (max-width:760px){.site-footer .wrap{grid-template-columns:1fr}}
.site-footer h4{margin:0 0 8px;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--fg-3)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:4px 0}
.site-footer a{color:var(--fg)}
.legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:16px;font-size:.82rem;color:var(--fg-3);line-height:1.5}
.legal .ehl{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--fg-2)}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ===== visual layer ===== */
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.reveal{opacity:1;transform:none}
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .55s ease,transform .55s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none;transition:none}}
section,.tool,.bottom-cta{content-visibility:auto;contain-intrinsic-size:auto 600px}
/* bar visuals inside tools */
.viz{margin:18px 0 6px}
.viz .bar{display:flex;height:34px;border-radius:8px;overflow:hidden;background:var(--surface-2)}
.viz .seg{display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:.78rem;font-weight:700;white-space:nowrap;overflow:hidden;transition:width .4s ease;min-width:0}
.viz .seg.owe{background:var(--navy);color:#fff}
.viz .seg.room{background:var(--amber);color:var(--amber-ink)}
.viz .seg.keep{background:transparent;color:var(--fg-2)}
.viz .legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.82rem;color:var(--fg-2);margin-top:8px}
.viz .legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.viz .legend i.owe{background:var(--navy)}.viz .legend i.room{background:var(--amber)}.viz .legend i.keep{background:var(--surface-2);border:1px solid var(--line)}
.hbars{display:grid;gap:8px;margin:16px 0 4px}
.hbars .row{display:grid;grid-template-columns:90px 1fr 110px;gap:10px;align-items:center;font-size:.9rem}
.hbars .track{height:22px;background:var(--surface-2);border-radius:6px;overflow:hidden}
.hbars .fill{height:100%;background:var(--navy);border-radius:6px;transition:width .4s ease}
.hbars .row.sel .fill{background:var(--amber)}
.hbars .row.sel{font-weight:700}
.hbars .val{text-align:right;font-variant-numeric:tabular-nums}
/* cards with icons */
.card .ico,.path .ico{width:44px;height:44px;border-radius:10px;background:var(--amber-soft);display:grid;place-items:center;color:var(--amber);margin-bottom:4px}
.card .ico svg,.path .ico svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card,.path{transition:transform .2s ease,box-shadow .2s ease}
.card:hover,.path:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(23,48,79,.10)}
/* hero art */
.hero-art{display:block;width:100%;max-width:520px;height:auto;margin:10px 0 0}
/* mobile action bar */
.mobile-bar{display:none}
@media (max-width:760px){
  .mobile-bar{display:flex;position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:var(--surface);border-top:1px solid var(--line);gap:10px;z-index:30}
  .mobile-bar .btn{flex:1;justify-content:center}
  body{padding-bottom:84px}
  nav.main .btn{display:none}
}

.reviews{margin:36px 0}
.rev-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap}
.rev-head h2{margin:0}
.stars{color:var(--amber);font-size:1.6rem;letter-spacing:.1em;margin:8px 0 4px}
.reviews .card p{font-style:italic}
.reviews .card b{font-style:normal;color:var(--fg-2);font-size:.9rem}