/*
Theme Name: HomeCalc
Theme URI: https://example.com/
Author: HomeCalc
Description: Professional US home-finance tools and educational guides. Responsive classic WordPress theme.
Version: 1.0.0
License: GPL-2.0-or-later
Text Domain: homecalc
*/
:root{--navy:#102a43;--navy2:#173f5f;--blue:#1976d2;--green:#18864b;--ink:#17212b;--muted:#617181;--bg:#f5f8fb;--card:#fff;--line:#dfe7ee;--shadow:0 12px 35px rgba(16,42,67,.08);--radius:16px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100}.header-inner{min-height:72px;display:flex;align-items:center;gap:25px}.logo{font-weight:900;font-size:23px;color:var(--navy);letter-spacing:-.6px}.logo span{color:var(--green)}.nav{display:flex;align-items:center;gap:19px;margin-left:auto}.nav a{color:#30475b;font-size:14px;font-weight:750}.nav .cta{background:var(--navy);color:#fff;padding:10px 15px;border-radius:10px}.menu-btn{display:none;margin-left:auto;background:#fff;border:1px solid var(--line);border-radius:9px;padding:8px 11px;font-size:20px}
.hero{padding:76px 0 58px;background:linear-gradient(180deg,#fff,#f5f8fb)}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:12px;font-weight:850;color:var(--green)}h1{font-size:clamp(36px,5vw,58px);line-height:1.06;letter-spacing:-1.7px;margin:12px 0 18px;color:var(--navy)}h2{font-size:30px;line-height:1.2;letter-spacing:-.6px;color:var(--navy);margin:42px 0 16px}h3{color:var(--navy);margin-top:28px}.lead{font-size:19px;color:#4b6073;max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--navy);padding:12px 17px;border-radius:10px;font-weight:800;background:var(--navy);color:#fff}.btn.secondary{background:#fff;color:var(--navy)}
.panel,.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.panel{padding:24px}.card{padding:22px;box-shadow:0 5px 22px rgba(16,42,67,.045)}.card h3{margin:7px 0;font-size:18px}.card p{margin:0;color:var(--muted);font-size:14px}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.section{padding:52px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:20px}.section-head h2{margin:0}.page{padding:24px 0 70px}.breadcrumb{padding:18px 0 0;font-size:13px;color:var(--muted)}.article{max-width:820px}.article h1{font-size:clamp(34px,5vw,50px)}.article p,.article li{font-size:17px}.article table{width:100%;border-collapse:collapse;margin:20px 0;background:#fff}.article th,.article td{padding:12px;border:1px solid var(--line);text-align:left}.muted{color:var(--muted)}.notice{border-left:4px solid var(--blue);background:#f0f7ff;padding:13px 15px;border-radius:0 9px 9px 0}.source-box{background:#eef6ff;border:1px solid #cfe2f6;border-radius:12px;padding:18px;margin:28px 0}.badge{display:inline-block;font-size:11px;font-weight:800;color:var(--green);background:#e9f6ef;padding:4px 8px;border-radius:999px}
.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{margin-bottom:12px}label{display:block;font-size:13px;font-weight:800;color:#33495c;margin-bottom:5px}input,select{width:100%;padding:11px 12px;border:1px solid #c8d4df;border-radius:9px;background:#fff;font:inherit}input:focus,select:focus,button:focus,a:focus{outline:3px solid rgba(25,118,210,.22);outline-offset:2px}.calc-btn{width:100%;border:0;border-radius:10px;padding:13px;background:var(--green);color:#fff;font-weight:900;font-size:15px;cursor:pointer}.results{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:16px}.result{background:#f5f9fc;border:1px solid var(--line);border-radius:11px;padding:14px}.result small{display:block;color:var(--muted);font-weight:700}.result strong{display:block;font-size:22px;color:var(--navy);margin-top:3px}.error{color:#a12a2a;background:#fff1f1;border:1px solid #efc7c7;padding:10px;border-radius:8px;margin-top:10px;display:none}.table-wrap{overflow-x:auto}.schedule{font-size:13px;width:100%;border-collapse:collapse;margin:24px 0}.schedule th,.schedule td{border:1px solid var(--line);padding:8px;text-align:right}.schedule th:first-child,.schedule td:first-child{text-align:left}
.site-footer{background:#0d2236;color:#d9e5ef;margin-top:30px}.footer{padding:48px 0}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:30px}.footer h3{color:#fff;font-size:14px;margin-top:0}.footer a{color:#c7d7e4;font-size:13px;display:block;margin:7px 0}.copyright{border-top:1px solid rgba(255,255,255,.13);padding:18px 0;color:#a8bac8;font-size:12px}
@media(max-width:900px){.hero-grid,.tool-grid{grid-template-columns:1fr}.card-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.nav{display:none}.menu-btn{display:block}.nav.open{display:flex;position:absolute;left:11px;right:11px;top:72px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);padding:15px;border-radius:12px;flex-direction:column;align-items:stretch}.nav.open a{padding:10px}}
@media(max-width:600px){.container{width:min(var(--max),calc(100% - 22px))}.hero{padding:48px 0 38px}.card-grid,.stat-grid,.form-grid,.results,.footer-grid{grid-template-columns:1fr}h2{font-size:26px}.panel,.card{padding:18px}.header-inner{min-height:64px}.nav.open{top:64px}.article p,.article li{font-size:16px}}