/* ==========================================================================
   FreshRateHub — site stylesheet
   Prepared by VVP USA for LMK Media · September 2026

   Compliance-bearing components are marked [COMPLIANCE].
   Do not remove or restyle them into invisibility.
   ========================================================================== */

/* --- tokens -------------------------------------------------------------- */
:root{
  --paper:#F1F4F6;
  --surface:#FBFCFD;
  --sunk:#E4EAEE;
  --ink:#131B23;
  --ink-soft:#4A5765;
  --ink-faint:#71808E;
  --rule:#D6DDE3;
  --rule-firm:#B9C4CD;
  --accent:#2D5F8B;
  --accent-soft:#E2ECF4;
  --positive:#2F6B52;
  --positive-soft:#E0EDE7;
  --notice:#8A5A18;
  --notice-soft:#F5EBDA;
  --shadow:0 1px 2px rgba(19,27,35,.06), 0 4px 14px rgba(19,27,35,.05);
  --measure:66ch;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --paper:#0F151A;
    --surface:#171F26;
    --sunk:#0B1015;
    --ink:#E4EAEF;
    --ink-soft:#A7B4C0;
    --ink-faint:#7A8894;
    --rule:#28323B;
    --rule-firm:#3A4751;
    --accent:#7FAFD4;
    --accent-soft:#16242F;
    --positive:#7FBFA2;
    --positive-soft:#14231C;
    --notice:#D4A860;
    --notice-soft:#251D10;
    --shadow:0 1px 2px rgba(0,0,0,.4), 0 4px 14px rgba(0,0,0,.3);
  }
}
:root[data-theme="dark"]{
  --paper:#0F151A;
  --surface:#171F26;
  --sunk:#0B1015;
  --ink:#E4EAEF;
  --ink-soft:#A7B4C0;
  --ink-faint:#7A8894;
  --rule:#28323B;
  --rule-firm:#3A4751;
  --accent:#7FAFD4;
  --accent-soft:#16242F;
  --positive:#7FBFA2;
  --positive-soft:#14231C;
  --notice:#D4A860;
  --notice-soft:#251D10;
  --shadow:0 1px 2px rgba(0,0,0,.4), 0 4px 14px rgba(0,0,0,.3);
}

/* --- base ---------------------------------------------------------------- */
*{box-sizing:border-box}
html{color-scheme:light dark;-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:"Source Serif 4",Georgia,"Times New Roman",serif;
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto}
[hidden]{display:none!important}

h1,h2,h3,h4,.ui{font-family:Archivo,"Helvetica Neue",Arial,sans-serif}
h1,h2,h3,h4{font-weight:600;line-height:1.15;text-wrap:balance;margin:0;letter-spacing:-.015em}
p,ul,ol{margin:0}
a{color:var(--accent);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:2px}
strong{font-weight:600}

.wrap{max-width:1040px;margin:0 auto;padding-inline:22px}
.narrow{max-width:740px}
.prose > * + *{margin-top:1.05em}
.prose p,.prose li{max-width:var(--measure);color:var(--ink-soft)}
.prose h2{font-size:1.45rem;margin-top:2.2em}
.prose h3{font-size:1.15rem;margin-top:1.8em}
.prose ul{padding-left:1.15em}
.prose li + li{margin-top:.4em}
.tnum{font-variant-numeric:tabular-nums}

/* --- header -------------------------------------------------------------- */
.site-head{
  position:sticky;top:0;z-index:20;
  background:color-mix(in srgb, var(--paper) 88%, transparent);
  backdrop-filter:saturate(140%) blur(8px);
  border-bottom:1px solid var(--rule);
}
.site-head__bar{
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding-block:13px;
}
.brand{
  font-family:Archivo,sans-serif;font-weight:700;font-size:17px;letter-spacing:-.02em;
  color:var(--ink);text-decoration:none;white-space:nowrap;
}
.brand span{color:var(--accent)}
.site-nav{display:flex;flex-wrap:wrap;gap:4px 18px;align-items:center}
.site-nav a{
  font-family:Archivo,sans-serif;font-size:14px;font-weight:500;
  color:var(--ink-soft);text-decoration:none;
}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:var(--accent)}
.site-nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:5px}

/* --- buttons ------------------------------------------------------------- */
.btn{
  font-family:Archivo,sans-serif;font-size:15px;font-weight:600;letter-spacing:.005em;
  padding:11px 20px;border:1px solid var(--accent);background:var(--accent);
  color:#fff;cursor:pointer;border-radius:3px;text-decoration:none;display:inline-block;
}
:root[data-theme="dark"] .btn:not(.btn--quiet),
:root:not([data-theme="light"]) .btn:not(.btn--quiet){color:var(--paper)}
@media (prefers-color-scheme: light){
  :root:not([data-theme="dark"]) .btn:not(.btn--quiet){color:#fff}
}
.btn:hover{filter:brightness(1.08)}
.btn--quiet{background:transparent;color:var(--accent)}
.btn--quiet:hover{background:var(--accent-soft);filter:none}

/* --- hero ---------------------------------------------------------------- */
.hero{padding-block:58px 44px;border-bottom:1px solid var(--rule)}
.hero h1{font-size:clamp(32px,5.4vw,50px)}
.hero__kicker{
  font-family:Archivo,sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);
  margin-bottom:16px;
}

/* [COMPLIANCE] Change 06 — scope statement, homepage hero */
.frh-hero-scope{
  font-size:1.0625rem;line-height:1.55;max-width:60ch;
  margin:18px 0 0;color:var(--ink-soft);
}
.frh-hero-scope strong{color:var(--ink);font-weight:600}

/* --- generic sections ---------------------------------------------------- */
.section{padding-block:52px;border-bottom:1px solid var(--rule)}
.section:last-of-type{border-bottom:none}
.section__head{max-width:var(--measure);margin-bottom:26px}
.section__head h2{font-size:clamp(23px,3.2vw,30px)}
.section__head p{margin-top:11px;color:var(--ink-soft)}
.page-head{padding-block:46px 30px;border-bottom:1px solid var(--rule)}
.page-head h1{font-size:clamp(28px,4.6vw,40px)}
.page-head .updated{
  font-family:Archivo,sans-serif;font-size:13px;color:var(--ink-faint);margin-top:12px;
}

/* --- grids / cards ------------------------------------------------------- */
.cols{display:grid;gap:22px}
.cols--3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.cols--2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.point h3{font-size:1.05rem;margin-bottom:7px}
.point p{color:var(--ink-soft);font-size:.95rem}

.panel{
  background:var(--surface);border:1px solid var(--rule);
  border-radius:4px;padding:24px;box-shadow:var(--shadow);
}

/* --- forms --------------------------------------------------------------- */
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.field label{
  font-family:Archivo,sans-serif;font-size:13px;font-weight:600;color:var(--ink);
}
.field .hint{font-family:Archivo,sans-serif;font-size:12px;color:var(--ink-faint)}
.field input,.field select{
  font-family:Archivo,sans-serif;font-size:16px;color:var(--ink);
  background:var(--paper);border:1px solid var(--rule-firm);border-radius:3px;
  padding:10px 12px;width:100%;font-variant-numeric:tabular-nums;
}
.field input:focus,.field select:focus{border-color:var(--accent)}
.fieldrow{display:grid;gap:0 16px;grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}

/* consent checkbox — [COMPLIANCE] must stay unchecked, optional, unbundled */
.consent{
  display:grid;grid-template-columns:auto 1fr;gap:11px;align-items:start;
  margin:18px 0;padding:15px;border:1px solid var(--rule);
  background:var(--sunk);border-radius:3px;
}
.consent input[type="checkbox"]{width:17px;height:17px;margin-top:3px;accent-color:var(--accent)}
.consent label{font-family:Archivo,sans-serif;font-size:13.5px;line-height:1.55;color:var(--ink-soft)}
.consent .optional{
  display:block;margin-top:7px;font-size:12.5px;color:var(--ink-faint);font-style:normal;
}

/* --- calculator ---------------------------------------------------------- */
.calc{display:grid;gap:26px;grid-template-columns:minmax(0,1fr) minmax(0,340px);align-items:start}
@media (max-width:760px){.calc{grid-template-columns:1fr}}
.result{background:var(--sunk);border:1px solid var(--rule);border-radius:4px;padding:22px;position:sticky;top:78px}
@media (max-width:760px){.result{position:static}}
.result__label{
  font-family:Archivo,sans-serif;font-size:11px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-faint);
}
.result__figure{
  font-family:Archivo,sans-serif;font-size:clamp(30px,5vw,40px);font-weight:700;
  letter-spacing:-.025em;font-variant-numeric:tabular-nums;margin-top:5px;line-height:1.05;
}
.result__note{font-family:Archivo,sans-serif;font-size:12.5px;color:var(--ink-faint);margin-top:9px}
.result dl{margin:20px 0 0;display:flex;flex-direction:column;gap:1px;background:var(--rule)}
.result dl > div{background:var(--sunk);display:flex;justify-content:space-between;gap:14px;padding:9px 0}
.result dt{font-family:Archivo,sans-serif;font-size:13px;color:var(--ink-soft)}
.result dd{font-family:Archivo,sans-serif;font-size:13px;font-weight:600;margin:0;font-variant-numeric:tabular-nums}

.tablescroll{overflow-x:auto;border:1px solid var(--rule);border-radius:4px;margin-top:22px}
table.data{border-collapse:collapse;width:100%;min-width:480px;background:var(--surface)}
table.data th,table.data td{
  font-family:Archivo,sans-serif;font-size:13.5px;text-align:right;
  padding:9px 13px;border-bottom:1px solid var(--rule);font-variant-numeric:tabular-nums;
}
table.data th{
  font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);
  font-weight:600;background:var(--sunk);
}
table.data th:first-child,table.data td:first-child{text-align:left}
table.data tr:last-child td{border-bottom:none}

/* [COMPLIANCE] Change 04 — no-offers notice, all calculator pages */
.frh-calc-notice{
  border-left:3px solid var(--accent);background:var(--accent-soft);
  padding:13px 16px;font-family:Archivo,sans-serif;font-size:13.5px;line-height:1.55;
  color:var(--ink);max-width:70ch;margin:26px 0;border-radius:0 3px 3px 0;
}

/* [COMPLIANCE] Change 01 — funding disclosure, /about/ and /disclosures/ */
.frh-disclosure{
  border-top:2px solid var(--accent);padding-top:18px;margin-top:38px;
  display:flex;flex-direction:column;gap:12px;
}
.frh-disclosure__title{font-size:1.28rem}
.frh-disclosure p{max-width:var(--measure);color:var(--ink-soft);margin:0}

/* [COMPLIANCE] Change 07 — 30-day consent refresh, /sms-terms/ */
.frh-reconfirm{
  border:1px solid var(--rule-firm);background:var(--surface);
  padding:19px 21px;border-radius:4px;margin-top:26px;
}
.frh-reconfirm h3{font-size:1.08rem}
.frh-reconfirm p{margin:8px 0 0;color:var(--ink-soft);max-width:var(--measure)}

/* [COMPLIANCE] Change 05 — sample messages + auto-replies, /sms-terms/ */
.frh-msg-list{list-style:none;margin:18px 0 0;padding:0;display:flex;flex-direction:column;gap:17px}
.frh-msg__label{
  font-family:Archivo,sans-serif;font-size:11px;font-weight:600;letter-spacing:.13em;
  text-transform:uppercase;color:var(--ink-faint);
}
.frh-msg__body{
  font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  font-size:13px;line-height:1.6;background:var(--sunk);border:1px solid var(--rule);
  padding:12px 14px;margin:6px 0 0;max-width:62ch;border-radius:3px;color:var(--ink);
}
.frh-keywords{margin-top:20px;font-size:.93rem;color:var(--ink-soft)}

/* [COMPLIANCE] protected clause — /privacy/. Required carrier text. */
.frh-mobile-clause{
  border-left:3px solid var(--positive);background:var(--positive-soft);
  padding:14px 17px;margin:18px 0;border-radius:0 3px 3px 0;
}
.frh-mobile-clause p{margin:0;color:var(--ink);max-width:var(--measure)}

/* --- footer -------------------------------------------------------------- */
.site-foot{background:var(--sunk);border-top:1px solid var(--rule);margin-top:0}
.site-foot__inner{padding-block:40px 46px;display:flex;flex-direction:column;gap:28px}
.foot-nav{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}
.foot-nav h4{
  font-family:Archivo,sans-serif;font-size:11px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-faint);margin-bottom:10px;
}
.foot-nav ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:7px}
.foot-nav a{font-family:Archivo,sans-serif;font-size:14px;color:var(--ink-soft);text-decoration:none}
.foot-nav a:hover{color:var(--accent);text-decoration:underline}

.frh-footer-legal{
  display:flex;flex-direction:column;gap:14px;
  border-top:1px solid var(--rule-firm);padding-top:24px;
}
.frh-footer-entity{font-family:Archivo,sans-serif;font-size:14px;line-height:1.65;margin:0}

/* [COMPLIANCE] Changes 02 + 03 — every page */
.frh-nmls,
.frh-compensation-notice,
.frh-estimate-notice{
  font-family:Archivo,sans-serif;font-size:13px;line-height:1.6;
  max-width:78ch;margin:0;color:var(--ink-soft);
}
.frh-compensation-notice{color:var(--ink);font-weight:500}

/* --- misc ---------------------------------------------------------------- */
.skip{position:absolute;left:-9999px}
.skip:focus{left:22px;top:10px;z-index:50;background:var(--accent);color:#fff;padding:9px 15px;border-radius:3px}
.toc{
  background:var(--surface);border:1px solid var(--rule);border-radius:4px;
  padding:18px 22px;margin-top:26px;
}
.toc h2{font-size:.95rem!important;margin:0 0 10px!important}
.toc ul{list-style:none;padding:0;columns:2;column-gap:28px}
.toc li{margin-bottom:6px;break-inside:avoid}
.toc a{font-family:Archivo,sans-serif;font-size:14px}
@media (max-width:560px){.toc ul{columns:1}}

@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

@media print{
  .site-head,.site-nav,.foot-nav,.skip{display:none}
  body{background:#fff;color:#000;font-size:11pt}
  .frh-calc-notice,.frh-disclosure,.frh-mobile-clause,.frh-footer-legal{break-inside:avoid}
}
.site-nav a[aria-current="page"]{color:var(--accent);text-decoration:underline;text-underline-offset:5px}
.site-nav{row-gap:2px}
.nav-sep{color:var(--rule-firm);user-select:none}
@media print{}