/* mm-font-fallback v1 (2026-10-22): metric-matched local fallbacks for DM Sans (unicode-range = glyphs DM Sans v17 latin+latin-ext actually has, so symbols it lacks render exactly as before) so text does not reflow when the web font arrives. Widths from DM Sans v17 latin vs Arial (Liberation Sans) / Roboto. */
@font-face{font-family:"MM DM Sans Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans"),local("LiberationSans");font-weight:300;font-style:normal;size-adjust:102.61%;ascent-override:96.68%;descent-override:30.21%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback R";src:local("Roboto Light"),local("Roboto-Light");font-weight:300;font-style:normal;size-adjust:105.14%;ascent-override:94.35%;descent-override:29.48%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans"),local("LiberationSans");font-weight:400;font-style:normal;size-adjust:103.93%;ascent-override:95.45%;descent-override:29.83%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback R";src:local("Roboto"),local("Roboto-Regular");font-weight:400;font-style:normal;size-adjust:104.70%;ascent-override:94.74%;descent-override:29.61%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans"),local("LiberationSans");font-weight:500;font-style:normal;size-adjust:105.75%;ascent-override:93.80%;descent-override:29.31%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback R";src:local("Roboto Medium"),local("Roboto-Medium");font-weight:500;font-style:normal;size-adjust:105.55%;ascent-override:93.99%;descent-override:29.37%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback";src:local("Arial Bold"),local("Arial-BoldMT"),local("Liberation Sans Bold"),local("LiberationSans-Bold");font-weight:600;font-style:normal;size-adjust:100.78%;ascent-override:98.43%;descent-override:30.76%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback R";src:local("Roboto Medium"),local("Roboto-Medium");font-weight:600;font-style:normal;size-adjust:107.82%;ascent-override:92.01%;descent-override:28.75%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback";src:local("Arial Bold"),local("Arial-BoldMT"),local("Liberation Sans Bold"),local("LiberationSans-Bold");font-weight:700;font-style:normal;size-adjust:102.40%;ascent-override:96.88%;descent-override:30.27%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
@font-face{font-family:"MM DM Sans Fallback R";src:local("Roboto Bold"),local("Roboto-Bold");font-weight:700;font-style:normal;size-adjust:108.70%;ascent-override:91.26%;descent-override:28.52%;line-gap-override:0%;unicode-range:U+0020-007E,U+00A0-00AC,U+00AE-0107,U+010A-011B,U+011E-0123,U+0126-0133,U+0136-0137,U+0139-0148,U+014A-015B,U+015E-0165,U+0168-017E,U+018F,U+0192,U+01FC-01FD,U+0218-021B,U+0237,U+0259,U+02C6-02C7,U+02DA,U+02DC-02DD,U+0300-0301,U+0303-0304,U+0308,U+1E80-1E85,U+1E9E,U+1EF2-1EF3,U+1EF8-1EF9,U+2013-2014,U+2018-201A,U+201C-201E,U+2020,U+2022,U+2026,U+2039-203A,U+2044,U+20A8,U+20AC,U+20B9-20BA,U+20BD,U+2113,U+2122,U+2191,U+2193,U+2212,U+2215}
/* MajorMatch Loan vs Upside — Continuum navy-dark brand system */
:root {
  --mm-navy: #0a1628;
  --mm-navy-2: #0e1f40;
  --mm-navy-3: #162d5a;
  --mm-navy-soft: #1a3568;
  --mm-ink: #e8eef6;
  --mm-body: #c5d0e0;
  --mm-muted: #8a97ab;
  --mm-gold: #C8912A;
  --mm-gold-lt: #d4a03a;
  --mm-gold-soft: #c8a84e;
  --mm-gold-wash: rgba(200, 145, 42, 0.14);
  --mm-gold-ring: rgba(200, 145, 42, 0.32);
  --mm-paper: #0a1628;
  --mm-cream: rgba(255, 255, 255, 0.04);
  --mm-surface: rgba(14, 31, 64, 0.72);
  --mm-surface-2: rgba(10, 22, 40, 0.88);
  --mm-panel: rgba(10, 22, 40, 0.78);
  --mm-rule: rgba(216, 224, 234, 0.1);
  --mm-rule-gold: rgba(200, 145, 42, 0.35);
  --mm-pos: #4ade80;
  --mm-pos-bg: rgba(22, 101, 52, 0.22);
  --mm-neg: #fb7185;
  --mm-neg-bg: rgba(159, 18, 57, 0.22);
  --mm-sans: "DM Sans","MM DM Sans Fallback","MM DM Sans Fallback R", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mm-serif: "Fraunces", Georgia, "Times New Roman", serif;
  --mm-shadow: 0 1px 2px rgba(0, 0, 0, 0.2), 0 16px 40px -18px rgba(0, 0, 0, 0.55);
  --mm-shadow-lift: 0 4px 12px rgba(0, 0, 0, 0.25), 0 28px 56px -20px rgba(0, 0, 0, 0.65);
  --mm-glow: 0 0 0 1px rgba(200, 145, 42, 0.22), 0 14px 44px -14px rgba(200, 145, 42, 0.4);
  --mm-ease: cubic-bezier(0.22, 1, 0.36, 1);
  --mm-r: 16px;
  --mm-r-sm: 12px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body.mm-calc {
  margin: 0;
  font-family: var(--mm-sans);
  color: var(--mm-body);
  background:
    radial-gradient(1200px 520px at 12% -8%, rgba(200, 145, 42, 0.12), transparent 55%),
    radial-gradient(900px 480px at 100% 0%, rgba(22, 45, 90, 0.55), transparent 52%),
    radial-gradient(700px 400px at 50% 100%, rgba(200, 145, 42, 0.06), transparent 60%),
    linear-gradient(165deg, var(--mm-navy) 0%, var(--mm-navy-2) 48%, #0c1a34 100%);
  background-attachment: fixed;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  min-height: 100vh;
}
a { color: var(--mm-gold-lt); transition: color 0.2s var(--mm-ease); }
a:hover { color: #fff; }

/* ——— Nav ——— */
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; flex-wrap: wrap;
  padding: 0.9rem 1.35rem;
  background: rgba(6, 12, 22, 0.92);
  border-bottom: 1px solid var(--mm-rule-gold);
  position: sticky; top: 0; z-index: 40;
  backdrop-filter: blur(14px) saturate(1.15);
}
.nav-logo {
  color: #fff !important; font-family: var(--mm-serif);
  font-weight: 800; text-decoration: none; font-size: 1.2rem;
  letter-spacing: -0.02em;
}
.nav-logo::after {
  content: ""; display: inline-block; width: 7px; height: 7px;
  margin-left: 0.35rem; border-radius: 50%;
  background: var(--mm-gold); box-shadow: 0 0 10px rgba(200, 145, 42, 0.7);
  vertical-align: 0.15em;
}
.nav-links { display: flex; gap: 1rem; align-items: center; flex-wrap: wrap; }
.nav-links a {
  color: rgba(255, 255, 255, 0.72); text-decoration: none;
  font-size: 0.9rem; font-weight: 500;
  transition: color 0.2s var(--mm-ease);
}
.nav-links a:hover { color: var(--mm-gold-lt); }
.nav-cta {
  background: linear-gradient(135deg, var(--mm-gold) 0%, var(--mm-gold-lt) 100%);
  color: var(--mm-navy) !important;
  font-weight: 700; padding: 0.45rem 1rem; border-radius: 999px;
  text-decoration: none; box-shadow: 0 4px 14px -4px rgba(200, 145, 42, 0.55);
  transition: transform 0.2s var(--mm-ease), box-shadow 0.2s var(--mm-ease);
}
.nav-cta:hover {
  background: var(--mm-gold-lt); transform: translateY(-1px);
  box-shadow: 0 8px 20px -6px rgba(200, 145, 42, 0.65);
}

/* ——— Cinematic hero ——— */
.hero {
  background:
    radial-gradient(ellipse 80% 60% at 15% 20%, rgba(200, 145, 42, 0.16), transparent 55%),
    radial-gradient(ellipse 70% 50% at 90% 10%, rgba(22, 45, 90, 0.55), transparent 50%),
    radial-gradient(ellipse 50% 40% at 50% 100%, rgba(200, 145, 42, 0.08), transparent 60%),
    linear-gradient(165deg, var(--mm-navy) 0%, var(--mm-navy-2) 45%, var(--mm-navy-3) 100%);
  color: #fff;
  padding: 2.75rem 1.35rem 3rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(180deg, rgba(0,0,0,0.35), transparent 85%);
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute; left: 8%; right: 8%; bottom: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--mm-gold), var(--mm-gold-lt), var(--mm-gold), transparent);
  opacity: 0.75; box-shadow: 0 0 18px rgba(200, 145, 42, 0.45);
}
.hero .crumb { margin: 0 0 0.85rem; font-size: 0.84rem; color: rgba(255, 255, 255, 0.62); position: relative; }
.hero .crumb a { color: var(--mm-gold-lt); text-decoration: none; }
.hero .crumb a:hover { color: #fff; text-decoration: underline; }
.hero h1 {
  font-family: var(--mm-serif);
  font-size: clamp(1.75rem, 4vw, 2.65rem);
  margin: 0 0 0.65rem; font-weight: 700; letter-spacing: -0.025em;
  max-width: 22ch; line-height: 1.15; position: relative;
  color: #fff;
}
.hero .lede {
  margin: 0; max-width: 40rem; color: rgba(255, 255, 255, 0.82);
  font-size: 1.05rem; position: relative; font-weight: 400;
}

/* ——— AIO answer-first ——— */
.aio {
  max-width: 54rem; margin: -1.5rem auto 1.6rem; padding: 1.25rem 1.4rem;
  background: linear-gradient(180deg, rgba(14, 31, 64, 0.92), rgba(10, 22, 40, 0.88));
  border: 1px solid var(--mm-rule-gold);
  border-radius: var(--mm-r);
  box-shadow: var(--mm-shadow-lift), var(--mm-glow);
  position: relative; z-index: 1;
  color: var(--mm-body);
}
.aio::before {
  content: ""; position: absolute; left: 1.25rem; right: 1.25rem; top: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--mm-gold), transparent);
  border-radius: 2px;
}
.aio p { margin: 0 0 0.55rem; }
.aio strong { color: #fff; font-weight: 700; }
.aio-meta { font-size: 0.88rem; color: var(--mm-muted); margin: 0 !important; }
.aio-meta a { font-weight: 650; color: var(--mm-gold); text-decoration: none; }
.aio-meta a:hover { text-decoration: underline; color: var(--mm-gold-lt); }

.wage-strip, .inputs-card, .results, .math-docs, .faq, .related, .path-cta,
.hub-defaults, .hub-table-wrap, .hub-grid-wrap, .site-foot {
  max-width: 54rem; margin: 0 auto 1.4rem; padding: 0 1.25rem;
}

/* ——— Wage strip ——— */
.wage-strip {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.85rem;
  padding-top: 0.15rem;
}
.wage-strip > div {
  background: var(--mm-panel);
  border: 1px solid var(--mm-rule-gold);
  border-radius: var(--mm-r-sm);
  padding: 1rem 1.1rem;
  box-shadow: var(--mm-shadow);
  position: relative; overflow: hidden;
  backdrop-filter: blur(8px);
  transition: transform 0.25s var(--mm-ease), box-shadow 0.25s var(--mm-ease), border-color 0.25s var(--mm-ease);
}
.wage-strip > div::after {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: linear-gradient(180deg, var(--mm-gold), var(--mm-gold-soft));
}
.wage-strip > div:hover {
  transform: translateY(-2px); box-shadow: var(--mm-shadow-lift);
  border-color: rgba(200, 145, 42, 0.5);
}
.wage-strip span {
  display: block; font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--mm-muted); font-weight: 600;
}
.wage-strip strong {
  font-family: var(--mm-serif); font-size: 1.35rem;
  color: var(--mm-gold-lt); font-weight: 700; letter-spacing: -0.02em;
}
.wage-strip em {
  display: block; font-style: normal; font-size: 0.76rem;
  color: var(--mm-muted); margin-top: 0.2rem;
}

/* ——— Inputs ——— */
.inputs-card {
  background: var(--mm-panel);
  border: 1px solid var(--mm-rule-gold);
  border-radius: var(--mm-r);
  padding: 1.35rem 1.4rem 1.45rem;
  box-shadow: var(--mm-shadow);
  backdrop-filter: blur(10px);
}
.inputs-card h2 {
  margin: 0 0 1.1rem; font-family: var(--mm-serif);
  color: #fff; font-size: 1.4rem; font-weight: 700;
  letter-spacing: -0.02em;
}
.inputs-card .muted {
  font-family: var(--mm-sans); font-weight: 500;
  color: var(--mm-muted); font-size: 0.88rem;
}
.inputs-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 1rem 1.1rem;
}
.inputs-grid label {
  display: flex; flex-direction: column; gap: 0.4rem;
  font-size: 0.84rem; font-weight: 600; color: rgba(232, 238, 246, 0.92);
  letter-spacing: 0.01em;
}
.inputs-grid input[type="number"],
.table-tools input {
  font: inherit; font-weight: 500; font-size: 0.98rem;
  padding: 0.65rem 0.8rem;
  border: 1px solid rgba(216, 224, 234, 0.14);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
  transition:
    border-color 0.2s var(--mm-ease),
    box-shadow 0.2s var(--mm-ease),
    background 0.2s var(--mm-ease),
    transform 0.15s var(--mm-ease);
}
.inputs-grid input[type="number"]::placeholder,
.table-tools input::placeholder { color: var(--mm-muted); }
.inputs-grid input[type="number"]:hover {
  border-color: rgba(200, 145, 42, 0.45);
  background: rgba(255, 255, 255, 0.07);
}
.inputs-grid input:focus,
.table-tools input:focus {
  outline: none;
  border-color: var(--mm-gold);
  background: rgba(255, 255, 255, 0.08);
  box-shadow: 0 0 0 3px var(--mm-gold-ring), 0 1px 2px rgba(0, 0, 0, 0.2);
}
.hint {
  font-weight: 500; font-size: 0.74rem; color: var(--mm-muted); line-height: 1.4;
}
.toggles { margin-top: 1.15rem; display: flex; flex-direction: column; gap: 0.55rem; }
.toggle {
  font-size: 0.9rem; color: var(--mm-body);
  display: flex; gap: 0.6rem; align-items: flex-start; cursor: pointer;
  padding: 0.55rem 0.7rem; border-radius: 10px;
  background: rgba(255, 255, 255, 0.04); border: 1px solid transparent;
  transition: border-color 0.2s var(--mm-ease), background 0.2s var(--mm-ease);
}
.toggle:hover { border-color: var(--mm-rule-gold); background: rgba(200, 145, 42, 0.08); }
.toggle input {
  margin-top: 0.2rem; accent-color: var(--mm-gold);
  width: 1.05rem; height: 1.05rem;
}

/* ——— Result metric tiles ——— */
.compare-cards {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.95rem;
  margin-bottom: 1.1rem;
}
.card {
  border-radius: var(--mm-r); padding: 1.25rem 1.2rem 1.2rem;
  border: 1px solid var(--mm-rule-gold);
  background: var(--mm-panel);
  box-shadow: var(--mm-shadow);
  min-height: 9rem;
  position: relative; overflow: hidden;
  backdrop-filter: blur(8px);
  transition: transform 0.28s var(--mm-ease), box-shadow 0.28s var(--mm-ease);
}
.card::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--mm-shadow-lift);
}
.card h3 {
  margin: 0 0 0.45rem; font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--mm-muted); font-weight: 700;
}
.card .big {
  margin: 0; font-family: var(--mm-serif);
  font-size: clamp(1.55rem, 3.2vw, 2rem);
  color: #fff; font-weight: 700; letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  transition: color 0.35s var(--mm-ease), opacity 0.25s ease;
}
.card .big.is-tweening { opacity: 0.72; }
.card .sub { margin: 0.45rem 0 0; font-size: 0.8rem; color: var(--mm-muted); line-height: 1.4; }
.card-loan::before { background: linear-gradient(90deg, #5b7ab8, var(--mm-navy-3)); }
.card-upside::before { background: linear-gradient(90deg, var(--mm-gold), var(--mm-gold-lt)); }
.card-upside {
  background: linear-gradient(165deg, rgba(200, 145, 42, 0.12) 0%, rgba(14, 31, 64, 0.85) 100%);
  border-color: rgba(200, 145, 42, 0.4);
}
.card-upside .big { color: var(--mm-gold-lt); }
.card-net::before { background: linear-gradient(90deg, var(--mm-pos), #22c55e); }
.card-net.is-neg::before { background: linear-gradient(90deg, var(--mm-neg), #fb7185); }
.card-net.is-neg { background: linear-gradient(165deg, rgba(14, 31, 64, 0.85) 0%, var(--mm-neg-bg) 100%); }
.card-net.is-pos { background: linear-gradient(165deg, rgba(14, 31, 64, 0.85) 0%, var(--mm-pos-bg) 100%); }
.card-net.is-neg .big { color: var(--mm-neg); }
.card-net.is-pos .big { color: var(--mm-pos); }

/* ——— Chart ——— */
.chart-wrap {
  background:
    linear-gradient(180deg, rgba(200, 145, 42, 0.06), transparent 40%),
    rgba(255, 255, 255, 0.03);
  border: 1px solid var(--mm-rule-gold);
  border-radius: var(--mm-r-sm);
  padding: 1rem 1.1rem 1.15rem;
  margin-bottom: 1.1rem;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.04);
}
.chart-wrap canvas { width: 100% !important; height: auto !important; max-height: 260px; display: block; }

.detail-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(145px, 1fr)); gap: 0.7rem;
}
.detail-grid > div {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--mm-rule);
  border-radius: 11px; padding: 0.8rem 0.9rem;
  transition: border-color 0.2s var(--mm-ease), transform 0.2s var(--mm-ease);
}
.detail-grid > div:hover {
  border-color: var(--mm-rule-gold); transform: translateY(-1px);
}
.detail-grid span {
  display: block; font-size: 0.7rem; color: var(--mm-muted);
  text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600;
}
.detail-grid strong {
  font-family: var(--mm-serif); font-size: 1.08rem;
  color: #fff; font-weight: 700; font-variant-numeric: tabular-nums;
}

/* ——— Content cards ——— */
.math-docs, .faq, .related, .hub-defaults, .path-cta {
  background: var(--mm-panel);
  border: 1px solid var(--mm-rule-gold);
  border-radius: var(--mm-r);
  padding: 1.3rem 1.4rem;
  box-shadow: var(--mm-shadow);
  backdrop-filter: blur(8px);
  color: var(--mm-body);
}
.math-docs h2, .faq h2, .related h2, .hub-defaults h2, .path-cta h2,
.hub-table-wrap h2, .hub-grid-wrap h2 {
  margin: 0 0 0.85rem; font-family: var(--mm-serif);
  color: #fff; font-size: 1.35rem; font-weight: 700;
  letter-spacing: -0.02em;
}
.math-docs ol { margin: 0; padding-left: 1.2rem; }
.math-docs li { margin-bottom: 0.6rem; }
.caveat { font-size: 0.88rem; color: var(--mm-muted); margin: 0.9rem 0 0; }
.faq details { border-top: 1px solid var(--mm-rule); padding: 0.7rem 0; }
.faq details:first-of-type { border-top: none; }
.faq summary {
  cursor: pointer; font-weight: 650; color: #fff;
  transition: color 0.15s ease;
}
.faq summary:hover { color: var(--mm-gold); }
.faq details p { margin: 0.5rem 0 0; color: var(--mm-body); }
.related ul { margin: 0; padding-left: 1.15rem; }
.related li { margin-bottom: 0.4rem; }

.btn {
  display: inline-block; padding: 0.7rem 1.25rem; border-radius: 999px;
  font-weight: 700; text-decoration: none; font-size: 0.95rem;
  transition: transform 0.2s var(--mm-ease), background 0.2s var(--mm-ease), box-shadow 0.2s var(--mm-ease);
}
.btn.gold {
  background: linear-gradient(135deg, var(--mm-gold) 0%, var(--mm-gold-lt) 100%);
  color: var(--mm-navy) !important;
  box-shadow: 0 6px 18px -6px rgba(200, 145, 42, 0.55);
}
.btn.gold:hover {
  background: var(--mm-gold-lt); transform: translateY(-2px);
  box-shadow: 0 10px 24px -8px rgba(200, 145, 42, 0.65);
}
.btn.ghost {
  background: transparent; color: #fff !important;
  border: 1px solid rgba(216, 224, 234, 0.22);
}
.btn.ghost:hover { border-color: var(--mm-gold); color: var(--mm-gold-lt) !important; }
.cta-row { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-top: 0.95rem; }

.hub-defaults ul { margin: 0; padding-left: 1.15rem; }
.hub-defaults li { margin-bottom: 0.4rem; }
.hub-defaults strong { color: var(--mm-gold-lt); }

/* ——— Hub tools + table (legacy) ——— */
.hub-table-wrap, .hub-grid-wrap { max-width: 58rem; padding-bottom: 0.5rem; }
.table-tools {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 0.85rem; margin-bottom: 1rem; padding: 0 0.1rem;
}
.table-tools label {
  display: flex; align-items: center; gap: 0.55rem;
  font-size: 0.86rem; font-weight: 600; color: rgba(232, 238, 246, 0.9);
}
.table-tools input {
  min-width: 15rem; background: rgba(255, 255, 255, 0.05);
  color: #fff; border: 1px solid rgba(216, 224, 234, 0.14);
}
.table-tools .muted { margin: 0; font-size: 0.85rem; color: var(--mm-muted); }
.table-scroll {
  overflow-x: auto; border: 1px solid var(--mm-rule-gold); border-radius: var(--mm-r);
  background: var(--mm-panel); box-shadow: var(--mm-shadow);
}
.hub-table { width: 100%; border-collapse: collapse; font-size: 0.92rem; color: var(--mm-body); }
.hub-table th, .hub-table td {
  padding: 0.75rem 0.9rem; text-align: left; border-bottom: 1px solid var(--mm-rule);
}
.hub-table th {
  background: rgba(6, 12, 22, 0.95); color: var(--mm-gold-lt); font-size: 0.72rem;
  text-transform: uppercase; letter-spacing: 0.05em; position: sticky; top: 0;
}
.hub-table .num { text-align: right; font-variant-numeric: tabular-nums; }
.hub-table tbody tr { transition: background 0.15s ease; }
.hub-table tbody tr:hover { background: var(--mm-gold-wash); }
.hub-table a { font-weight: 650; text-decoration: none; color: #fff; }
.hub-table a:hover { color: var(--mm-gold); }
.hub-table .g { display: block; font-size: 0.74rem; color: var(--mm-muted); font-weight: 500; }
.hub-table .pos, .hub-card-net.pos { color: var(--mm-pos); font-weight: 700; }
.hub-table .neg, .hub-card-net.neg { color: var(--mm-neg); font-weight: 700; }

/* ——— Hub major cards grid ——— */
.hub-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 0.95rem;
}
.hub-card {
  display: flex; flex-direction: column; gap: 0.55rem;
  padding: 1.15rem 1.2rem 1.2rem;
  border-radius: var(--mm-r);
  background: linear-gradient(165deg, rgba(14, 31, 64, 0.92) 0%, rgba(10, 22, 40, 0.95) 100%);
  border: 1px solid var(--mm-rule-gold);
  text-decoration: none; color: inherit;
  box-shadow: var(--mm-shadow);
  position: relative; overflow: hidden;
  backdrop-filter: blur(8px);
  transition:
    transform 0.28s var(--mm-ease),
    box-shadow 0.28s var(--mm-ease),
    border-color 0.28s var(--mm-ease);
}
.hub-card::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 2px;
  background: linear-gradient(90deg, transparent, var(--mm-gold), transparent);
  opacity: 0.55; transition: opacity 0.28s var(--mm-ease);
}
.hub-card:hover {
  transform: translateY(-4px);
  border-color: rgba(200, 145, 42, 0.55);
  box-shadow: var(--mm-shadow-lift), 0 0 0 1px rgba(200, 145, 42, 0.18),
    0 16px 40px -16px rgba(200, 145, 42, 0.4);
  color: inherit;
}
.hub-card:hover::before { opacity: 1; }
.hub-card-group {
  font-size: 0.68rem; text-transform: uppercase; letter-spacing: 0.07em;
  color: var(--mm-gold); font-weight: 700;
}
.hub-card-name {
  font-family: var(--mm-serif); font-size: 1.15rem; font-weight: 700;
  color: #fff; letter-spacing: -0.02em; line-height: 1.25;
}
.hub-card-stats {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.45rem 0.6rem;
  margin-top: 0.15rem;
}
.hub-card-stats div {
  background: rgba(255, 255, 255, 0.04); border-radius: 8px; padding: 0.45rem 0.55rem;
  border: 1px solid rgba(216, 224, 234, 0.08);
}
.hub-card-stats span {
  display: block; font-size: 0.65rem; text-transform: uppercase;
  letter-spacing: 0.05em; color: var(--mm-muted); font-weight: 600;
}
.hub-card-stats em {
  font-style: normal; font-weight: 700; font-size: 0.92rem;
  color: #e8eef6; font-variant-numeric: tabular-nums;
}
/* Mid-pay (2nd stat cell) + net in gold */
.hub-card-stats div:nth-child(2) em {
  color: var(--mm-gold-lt);
}
.hub-card-net {
  margin-top: auto; padding-top: 0.35rem;
  font-size: 0.92rem; font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: var(--mm-gold-lt);
}
.hub-card-net.pos { color: var(--mm-gold-lt); }
.hub-card-net.neg { color: var(--mm-neg); }
.hub-card-ratio {
  font-size: 0.78rem; color: var(--mm-muted); font-weight: 500;
}

/* ——— Footer ——— */
.site-foot {
  margin-top: 2.25rem; padding: 1.75rem 1.25rem 2.75rem;
  border-top: 1px solid var(--mm-rule); color: var(--mm-muted); font-size: 0.88rem;
}
.site-foot a { color: var(--mm-gold-lt); font-weight: 500; }
.site-foot a:hover { color: #fff; }
.foot-note { font-size: 0.8rem; }

@media (max-width: 800px) {
  .compare-cards { grid-template-columns: 1fr; }
  .wage-strip { grid-template-columns: 1fr; }
  .hero { padding: 2.1rem 1.15rem 2.4rem; }
  .hero h1 { max-width: none; }
  .nav { padding: 0.75rem 1rem; }
  .table-tools input { min-width: 0; width: 100%; }
  .hub-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .card, .btn, .hub-card, .wage-strip > div, .inputs-grid input,
  .detail-grid > div, .nav-cta { transition: none; }
  .card .big { transition: none; }
}


/* mm-chrome: prevent wrap overflow on loan tool nav (shared hamburger via page HTML) */
.nav.mm-chrome-nav { flex-wrap: nowrap; overflow: visible; }
@media (max-width: 900px) {
  .nav.mm-chrome-nav .nav-links.mm-nav-panel:not(.is-open) { display: none !important; }
}


/* Hub search: hide filtered cards reliably in grid; Enter/Open navigates */
.hub-card[hidden] { display: none !important; }
.table-tools { display: flex; flex-wrap: wrap; align-items: center; gap: 0.65rem 1rem; }
.hub-filter-go {
  appearance: none; border: none; cursor: pointer;
  background: linear-gradient(135deg, var(--mm-gold, #c8912a), var(--mm-gold-lt, #e0a235));
  color: var(--mm-navy, #0e1f40); font-weight: 700; font-size: 0.9rem;
  padding: 0.55rem 1rem; border-radius: 999px;
}
.hub-filter-go:hover { filter: brightness(1.05); }
.hub-filter-empty { margin: 0.75rem 0 0; }

/* ---- Calculator → Assessment shortlist bridge ---- */
.hub-card.mm-sl-card { position: relative; padding-bottom: 2.6rem; }
.mm-sl-toggle {
  position: absolute; right: 0.75rem; bottom: 0.65rem;
  appearance: none; border: 1px solid rgba(200,145,42,.45);
  background: rgba(10,22,40,.75); color: var(--mm-gold-lt, #d4a03a);
  font: 650 0.72rem/1 "DM Sans","MM DM Sans Fallback","MM DM Sans Fallback R", system-ui, sans-serif;
  padding: 0.35rem 0.55rem; border-radius: 999px; cursor: pointer;
  display: inline-flex; align-items: center; gap: 0.35rem;
  z-index: 2;
}
.mm-sl-toggle:hover { border-color: var(--mm-gold); background: rgba(200,145,42,.12); }
.mm-sl-toggle.is-on {
  background: linear-gradient(135deg, var(--mm-gold), var(--mm-gold-lt));
  color: var(--mm-navy) !important; border-color: transparent;
}
.mm-sl-box {
  width: 0.7rem; height: 0.7rem; border-radius: 3px;
  border: 1.5px solid currentColor; display: inline-block;
  position: relative;
}
.mm-sl-toggle.is-on .mm-sl-box::after {
  content: ""; position: absolute; inset: 1px;
  background: var(--mm-navy); border-radius: 1px;
}
.mm-sl-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
  background: linear-gradient(180deg, rgba(10,22,40,.92), #0a1628);
  border-top: 2px solid var(--mm-gold, #C8912A);
  box-shadow: 0 -8px 28px rgba(0,0,0,.35);
  padding: 0.75rem 1rem calc(0.75rem + env(safe-area-inset-bottom, 0px));
}
.mm-sl-bar-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.25rem;
  align-items: center; justify-content: space-between;
}
.mm-sl-bar-copy { color: rgba(255,255,255,.9); font-size: 0.88rem; line-height: 1.45; }
.mm-sl-bar-copy strong { color: var(--mm-gold-lt); }
.mm-sl-bar-hint { color: rgba(255,255,255,.55); font-size: 0.8rem; }
.mm-sl-bar-actions { display: flex; flex-wrap: wrap; gap: 0.55rem; align-items: center; }
.mm-sl-clear {
  appearance: none; border: 1px solid rgba(255,255,255,.25);
  background: transparent; color: rgba(255,255,255,.75);
  font: 600 0.8rem/1 "DM Sans","MM DM Sans Fallback","MM DM Sans Fallback R", system-ui, sans-serif;
  padding: 0.55rem 0.85rem; border-radius: 999px; cursor: pointer;
}
.mm-sl-clear:hover { border-color: var(--mm-gold); color: var(--mm-gold-lt); }
.mm-sl-bar .btn.gold, .mm-sl-go {
  text-decoration: none; display: inline-block;
  padding: 0.65rem 1.1rem; border-radius: 999px; font-weight: 700; font-size: 0.88rem;
}
body.mm-sl-bar-on { padding-bottom: 5.5rem; }
.mm-sl-hub-note, .mm-sl-major-hint {
  margin: 0.65rem 0 0; font-size: 0.88rem; line-height: 1.5;
  color: rgba(255,255,255,.65);
}
.mm-sl-add.is-on { border-color: var(--mm-gold); color: var(--mm-gold-lt) !important; }
@media (max-width: 640px) {
  .mm-sl-bar-inner { flex-direction: column; align-items: stretch; }
  .mm-sl-bar-actions { justify-content: stretch; }
  .mm-sl-bar .btn.gold, .mm-sl-go { text-align: center; }
}

/* ——— Calculator snapshot email capture (results area) ——— */
.mm-snap-panel {
  margin-top: 1.35rem;
  padding: 1.15rem 1.2rem 1.05rem;
  border-radius: var(--mm-r-sm);
  background:
    linear-gradient(165deg, rgba(200,145,42,0.12), transparent 42%),
    rgba(10, 22, 40, 0.88);
  border: 1px solid var(--mm-rule-gold);
  box-shadow: var(--mm-glow);
}
.mm-snap-inner {
  display: grid;
  gap: 0.85rem 1.25rem;
}
@media (min-width: 780px) {
  .mm-snap-inner {
    grid-template-columns: 1.1fr 1fr;
    align-items: start;
  }
}
.mm-snap-kicker {
  margin: 0 0 0.25rem;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--mm-gold-lt);
}
.mm-snap-copy h3 {
  margin: 0 0 0.4rem;
  font-family: var(--mm-serif);
  font-size: 1.35rem;
  color: #fff;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.mm-snap-lede {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.55;
  color: rgba(232, 238, 246, 0.78);
}
.mm-snap-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--mm-muted);
  margin-bottom: 0.35rem;
}
.mm-snap-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  align-items: stretch;
}
.mm-snap-row input[type="email"] {
  flex: 1 1 12rem;
  min-width: 0;
  appearance: none;
  border: 1px solid rgba(216, 224, 234, 0.18);
  background: rgba(6, 12, 22, 0.72);
  color: #fff;
  border-radius: 999px;
  padding: 0.72rem 1rem;
  font: 500 0.95rem/1.2 var(--mm-sans);
}
.mm-snap-row input[type="email"]:focus {
  outline: none;
  border-color: var(--mm-gold);
  box-shadow: 0 0 0 3px rgba(200, 145, 42, 0.22);
}
.mm-snap-submit {
  flex: 0 0 auto;
  white-space: nowrap;
  cursor: pointer;
  border: none;
}
.mm-snap-submit:disabled {
  opacity: 0.7;
  cursor: wait;
}
.mm-snap-opt {
  display: flex;
  gap: 0.45rem;
  align-items: center;
  margin: 0.65rem 0 0;
  font-size: 0.82rem;
  color: rgba(232, 238, 246, 0.7);
  cursor: pointer;
}
.mm-snap-opt input { accent-color: var(--mm-gold); }
.mm-snap-status {
  margin: 0.55rem 0 0;
  min-height: 1.25em;
  font-size: 0.88rem;
  line-height: 1.45;
  color: var(--mm-muted);
}
.mm-snap-status.is-ok { color: var(--mm-pos); }
.mm-snap-status.is-err { color: var(--mm-neg); }
.mm-snap-status.is-pending { color: var(--mm-gold-lt); }
.mm-snap-fine {
  margin: 0.55rem 0 0;
  font-size: 0.75rem;
  line-height: 1.45;
  color: rgba(138, 151, 171, 0.9);
}
.mm-snap-quiz { margin: 0.85rem 0 0; }
.mm-snap-quiz .btn { text-decoration: none; }