/* =====================================================================
   Calculators (2026-10-22). Loaded by /calculators/ and every calculator
   page through $page['css']; body class "page-cx". Built on the HELOC
   payment calculator's look and the state page's ruled grammar
   (2px ink rule opening a group, hairlines between rows). Tokens: site.css.
   No washes, no lift-on-hover, no arrow nudges.
   ===================================================================== */

.page-cx{
    --c-main:var(--accent);      /* principal and interest, the loan you keep, borrowable */
    --c-soft:#a9bccf;            /* taxes, what you owe */
    --c-teal:#5fb8b8;            /* insurance, other debts */
    --c-ink:var(--ink-soft);     /* HOA, PMI */
    --c-track:var(--row);
}
.page-cx ::selection{background:#cfe3f4;color:var(--ink-deep)}
.page-cx p,.page-cx li,.page-cx dd{text-wrap:pretty}
@media (max-width:539px){.page-cx .container{padding-inline:16px}}

/* shared link components: color and underline only on hover */
.page-cx .ix__a:hover svg,.page-cx .ixs__more:hover svg,.page-cx .rel__btn:hover svg,.page-cx .band .btn:hover svg{transform:none}
.page-cx .rel__btn:hover,.page-cx .band .btn:hover{transform:none}

/* ================================================================ hero */
.cx-hero{padding:clamp(28px,5vw,56px) 0 clamp(18px,3vw,30px)}
.cx-hero h1{
    max-width:20ch;font-size:clamp(2rem,5vw,3.1rem);font-weight:800;letter-spacing:-.03em;line-height:1.07;color:var(--ink);
}
.cx-hero__sub{margin-top:16px;max-width:60ch;font-size:clamp(1.03rem,1.6vw,1.15rem);line-height:1.65;color:#4A6178}

/* ======================================================== calculator body */
.cx{padding:clamp(12px,3vw,28px) 0 clamp(48px,7vw,72px);caret-color:var(--accent)}
.cx .calc{align-items:start}

/* groups of inputs open with the ruled-list rule */
.cx-group{border:0;min-width:0}
.cx-group + .cx-group{margin-top:30px}
.cx-group > legend,.cx-group__h{
    display:block;width:100%;padding:0 0 12px;margin-bottom:16px;border-bottom:2px solid var(--ink);
    font-size:1.02rem;font-weight:700;letter-spacing:-.01em;color:var(--ink);
}

.cx-field{min-width:0}
.cx-field + .cx-field,.cx-pair + .cx-field,.cx-field + .cx-pair,.cx-pair + .cx-pair{margin-top:20px}
.cx-label{display:block;margin:0 0 6px;font-size:.92rem;font-weight:600;line-height:1.35;color:var(--ink)}
.cx-label span{font-weight:500;color:var(--muted)}
.cx-hint{margin:-2px 0 8px;max-width:48ch;font-size:.85rem;line-height:1.5;color:var(--muted)}
.cx-hint a{color:var(--accent);text-underline-offset:2px}
.cx-err{margin-top:6px;font-size:.85rem;font-weight:600;color:var(--danger)}

.cx-input{
    width:100%;min-height:52px;padding:13px 14px;
    font-family:inherit;font-size:1.05rem;color:var(--ink);font-variant-numeric:tabular-nums;
    background:#fff;border:1.5px solid var(--line);border-radius:12px;
    transition:border-color var(--t) var(--ease),box-shadow var(--t) var(--ease);
}
.cx-input:hover{border-color:#cbd5e1}
.cx-input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(50,70,95,.12)}
.cx-input[aria-invalid="true"]{border-color:var(--danger)}
.cx-input[aria-invalid="true"]:focus{box-shadow:0 0 0 3px rgba(200,30,39,.14)}

.cx-affix{position:relative}
.cx-affix__pre,.cx-affix__suf{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.cx-affix__pre{left:15px;font-size:1.05rem}
.cx-affix__suf{right:15px;font-size:.92rem}
.cx-affix--pre .cx-input{padding-left:30px}
.cx-affix--s .cx-input{padding-right:36px}
.cx-affix--m .cx-input{padding-right:48px}
.cx-affix--l .cx-input{padding-right:62px}

.cx-pair{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0 14px;align-items:end}
.cx-pair > .cx-field + .cx-field{margin-top:0}

.cx-mode{margin-top:10px}
.cx-hint--after{margin:8px 0 0}

/* segmented choice */
.cx-seg{border:0;min-width:0}
.cx-seg legend{float:left;width:100%}
.cx-seg legend + *{clear:both}
.cx-seg__opts{
    clear:both;display:grid;grid-template-columns:repeat(var(--n,2),minmax(0,1fr));
    padding:3px;gap:3px;background:var(--row);border-radius:13px;
}
.cx-seg input{position:absolute;opacity:0;width:1px;height:1px;pointer-events:none}
.cx-seg label{
    display:flex;align-items:center;justify-content:center;min-height:46px;padding:6px 8px;border-radius:10px;
    font-size:.95rem;font-weight:600;color:var(--ink-soft);text-align:center;line-height:1.25;cursor:pointer;
    transition:background var(--t) var(--ease),color var(--t) var(--ease);
    -webkit-tap-highlight-color:transparent;
}
.cx-seg label:hover{color:var(--ink)}
.cx-seg input:checked + label{background:#fff;color:var(--ink);box-shadow:0 1px 2px rgba(50,70,95,.12),0 0 0 1.5px var(--ink)}
.cx-seg input:focus-visible + label{outline:2px solid var(--accent);outline-offset:2px}

/* checkbox */
.cx-check{display:grid;grid-template-columns:auto minmax(0,1fr);column-gap:12px;align-items:start}
.cx-check input{width:22px;height:22px;margin:1px 0 0;accent-color:var(--ink);cursor:pointer}
.cx-check label{font-size:.95rem;font-weight:600;line-height:1.4;color:var(--ink);cursor:pointer;padding-top:1px}
.cx-check .cx-hint{grid-column:2;margin:4px 0 0}

/* more assumptions */
.cx-more{margin-top:26px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cx-more > summary{
    display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:52px;padding:12px 0;
    list-style:none;cursor:pointer;font-size:.98rem;font-weight:600;color:var(--ink);
}
.cx-more > summary::-webkit-details-marker{display:none}
.cx-more > summary small{display:block;margin-top:2px;font-size:.84rem;font-weight:500;color:var(--muted)}
.cx-more > summary svg{flex:0 0 auto;width:19px;height:19px;color:var(--muted);transition:transform .2s var(--ease)}
.cx-more[open] > summary svg{transform:rotate(180deg)}
.cx-more > summary:hover{color:var(--accent)}
.cx-more > summary:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
.cx-more__body{padding:6px 0 22px}

/* ============================================================ results */
.cx-results{padding:22px 20px}
@media (min-width:480px){.cx-results{padding:24px}}
@media (min-width:900px){.cx-results{padding:28px}}
.cx-results > h2{font-size:1rem;font-weight:700;color:var(--ink);margin-bottom:14px}

.cx-figs{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.cx-figs--one{grid-template-columns:1fr}
.cx-fig{display:flex;flex-direction:column;min-width:0}
.cx-fig__label{font-size:.86rem;line-height:1.4;color:var(--muted)}
.cx-fig__amt{margin-top:auto;padding-top:6px;line-height:1.1;font-variant-numeric:tabular-nums}
.cx-fig__amt strong{overflow-wrap:anywhere;font-size:clamp(1.5rem,6vw,2.05rem);font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.cx-figs--one .cx-fig__amt strong{font-size:clamp(2rem,8vw,2.6rem)}
.cx-fig__amt span{margin-left:2px;font-size:.88rem;color:var(--muted)}
@media (min-width:480px){.cx-fig__amt{white-space:nowrap}}
.cx-fig--accent .cx-fig__amt strong{color:var(--accent)}

/* stacked bar + legend (payment breakdown, home value split) */
.cx-stack{display:flex;height:14px;margin:18px 0 4px;border-radius:7px;overflow:hidden;background:var(--c-track);gap:2px}
.cx-stack span{flex:0 0 var(--w,0%);min-width:0;transition:flex-basis .45s cubic-bezier(.16,1,.3,1)}
.cx-k1{background:var(--c-main)} .cx-k2{background:var(--c-soft)} .cx-k3{background:var(--c-teal)} .cx-k4{background:var(--c-ink)} .cx-k5{background:#d3dde8}
.cx-legend{list-style:none;margin-top:10px}
.cx-legend li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.cx-legend li > span{display:flex;align-items:baseline;gap:9px;color:var(--ink-soft)}
.cx-legend li > span::before{content:"";flex:0 0 auto;width:10px;height:10px;border-radius:3px;background:var(--sw,var(--c-main));transform:translateY(1px)}
.cx-legend strong{font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.cx-legend .cx-k1{--sw:var(--c-main);background:none} .cx-legend .cx-k2{--sw:var(--c-soft);background:none}
.cx-legend .cx-k3{--sw:var(--c-teal);background:none} .cx-legend .cx-k4{--sw:var(--c-ink);background:none}
.cx-legend .cx-k5{--sw:#d3dde8;background:none}

/* compare bars: label + value, then a bar */
.cx-bars{list-style:none;margin-top:16px}
.cx-bars li{padding:10px 0 12px;border-bottom:1px solid var(--line)}
.cx-bars li:first-child{border-top:1px solid var(--line)}
.cx-bars__top{display:flex;justify-content:space-between;align-items:baseline;gap:14px;font-size:.95rem}
.cx-bars__top span{color:var(--ink-soft)}
.cx-bars__top strong{font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.cx-bars__track{margin-top:8px;height:10px;border-radius:5px;background:var(--c-track);overflow:hidden}
.cx-bars__fill{display:block;height:100%;width:var(--w,0%);border-radius:5px;background:var(--c-soft);transition:width .45s cubic-bezier(.16,1,.3,1)}
.cx-bars__fill--main{background:var(--c-main)}

/* meter with markers (debt-to-income) */
.cx-meter{position:relative;margin:22px 0 30px}
.cx-meter__track{display:flex;height:14px;border-radius:7px;background:var(--c-track);overflow:hidden;gap:2px}
.cx-meter__track span{flex:0 0 var(--w,0%);transition:flex-basis .45s cubic-bezier(.16,1,.3,1)}
.cx-meter__mark{position:absolute;top:-5px;left:var(--at);width:2px;height:24px;background:var(--ink);transform:translateX(-1px)}
.cx-meter__lab{position:absolute;top:22px;left:var(--at);transform:translateX(-50%);font-size:.76rem;font-weight:600;color:var(--ink-soft);white-space:nowrap}

.cx .calc__row{font-size:.95rem}
.cx .calc__row span{color:var(--ink-soft)}
.cx .calc__row strong{white-space:nowrap;text-align:right}
.cx .calc__row:last-of-type{border-bottom:1px solid var(--line)}
.cx-rows{margin-top:14px}
.cx-row--key strong{color:var(--accent)}

.cx-summary{margin-top:16px;font-size:.98rem;line-height:1.6;color:var(--ink)}
.cx-callout{margin-top:14px;padding:13px 15px;background:var(--accent-tint);border-radius:12px;font-size:.92rem;line-height:1.55;color:var(--ink)}
.cx-callout a{color:var(--accent);font-weight:600;text-underline-offset:2px}
.cx-callout--warn{background:#fdf1f1;color:#7f1d1d}
.cx .calc__note{margin-top:14px;color:var(--muted);font-size:.8rem;line-height:1.6}
.cx .calc__note a{color:var(--accent)}
.cx-results.is-stale .cx-figs,.cx-results.is-stale .cx-stack,.cx-results.is-stale .cx-legend,
.cx-results.is-stale .cx-bars,.cx-results.is-stale .calc__row,.cx-results.is-stale .cx-meter,
.cx-results.is-stale .cx-cmp{opacity:.4}
.cx-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* two-path comparison table (cash-out vs HELOC) */
.cx-cmp{width:100%;margin-top:14px;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
.cx-cmp caption{text-align:left;font-size:.95rem;font-weight:700;color:var(--ink);padding-bottom:10px}
.cx-cmp th,.cx-cmp td{padding:10px 0;border-bottom:1px solid var(--line);vertical-align:top}
.cx-cmp thead th{border-bottom:2px solid var(--ink);font-size:.84rem;font-weight:700;line-height:1.3;color:var(--ink);text-align:right;width:28%;padding-left:12px;vertical-align:bottom}
.cx-cmp thead th:first-child{text-align:left;width:auto;padding-left:0}
.cx-cmp tbody th{font-weight:500;color:var(--ink-soft);text-align:left;padding-right:10px;line-height:1.4}
.cx-cmp td{text-align:right;font-weight:700;color:var(--ink);white-space:nowrap;padding-left:10px}
.cx-cmp td.is-low{color:var(--accent)}

/* ===================================================== explainer + FAQ */
.cx-how{max-width:720px;margin-top:clamp(48px,7vw,72px)}
.cx-how h2,.cx-faq h2{font-size:clamp(1.35rem,2.6vw,1.6rem);font-weight:800;letter-spacing:-.022em;line-height:1.2;color:var(--ink);margin-bottom:12px}
.cx-how > p{margin:12px 0;max-width:62ch;font-size:1rem;line-height:1.7;color:#4A6178}
.cx-how a,.cx-faq a{color:var(--accent);text-underline-offset:3px}
.cx-formulas{list-style:none;margin:20px 0 24px;border-top:2px solid var(--ink)}
.cx-formulas li{padding:16px 0;border-bottom:1px solid var(--line)}
.cx-formulas h3{font-size:1rem;font-weight:700;color:var(--ink)}
.cx-formula{margin-top:6px;font-size:1.04rem;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.cx-formula var{font-style:italic}
.cx-formulas li p:not(.cx-formula){margin-top:6px;max-width:62ch;font-size:.93rem;line-height:1.6;color:var(--muted)}
.cx-assume{list-style:none;margin:16px 0 8px;border-top:2px solid var(--ink)}
.cx-assume li{padding:12px 0;border-bottom:1px solid var(--line);font-size:.95rem;line-height:1.6;color:#4A6178;max-width:66ch}
.cx-assume strong{color:var(--ink)}
.cx-faq{max-width:780px;margin-top:clamp(48px,7vw,72px)}
.cx-faq h2{margin-bottom:16px}
.cx-sources{max-width:720px;margin-top:36px;padding-top:18px;border-top:1px solid var(--line)}
.cx-sources h3{font-size:.95rem;font-weight:700;color:var(--ink);margin-bottom:8px}
.cx-sources ul{padding-left:18px}
.cx-sources li,.cx-sources p{max-width:60ch;font-size:.86rem;line-height:1.55;color:var(--muted)}
.cx-sources li + li{margin-top:4px}
.cx-sources p{margin-top:10px}
.cx-tail{padding-top:clamp(8px,2vw,16px)}

/* ================================================================== hub */
.cx-hub{padding-bottom:clamp(48px,7vw,80px)}
.cx-hub__sec{padding-top:clamp(36px,5.5vw,60px)}
.cx-hub__sec + .cx-hub__sec .container{border-top:1px solid var(--line);padding-top:clamp(36px,5.5vw,60px)}
.cx-hub__sec + .cx-hub__sec{padding-top:clamp(36px,5.5vw,60px)}
.cx-hub .ix__a{min-height:64px}
.cx-ledger{border-top:2px solid var(--ink)}
.cx-ledger > div{padding:14px 0 16px;border-bottom:1px solid var(--line)}
.cx-ledger dt{font-size:1rem;font-weight:700;line-height:1.4;color:var(--ink)}
.cx-ledger dd{margin:3px 0 0;max-width:60ch;font-size:1rem;line-height:1.65;color:#4A6178}
.cx-ledger a{color:var(--accent);text-underline-offset:3px}
@media (min-width:760px){
    .cx-ledger > div{display:grid;grid-template-columns:13rem minmax(0,1fr);column-gap:24px}
    .cx-ledger dd{margin:0}
}

@media (prefers-reduced-motion:reduce){
    .cx-stack span,.cx-bars__fill,.cx-meter__track span,.cx-more > summary svg{transition:none}
}

/* ======================================== calculators v3 (2026-10-22)
   Blended rate, VA cash-out and debt consolidation. Additive only. */
.cx-gap{margin-top:20px}

/* date input (VA seasoning) */
.cx-input--date{display:block;-webkit-appearance:none;appearance:none;line-height:1.3;text-align:left}
.cx-input--date::-webkit-date-and-time-value{text-align:left}
.cx-input--date::-webkit-calendar-picker-indicator{opacity:.6;cursor:pointer}

/* debt rows: one ruled block per debt, three fields across */
.cx-debts{margin-top:4px;border-top:1px solid var(--line)}
.cx-debt{border:0;min-width:0;padding:6px 0 16px;border-bottom:1px solid var(--line)}
.cx-debt > legend{float:left;padding:0;font-size:.95rem;font-weight:700;line-height:44px;color:var(--ink)}
.cx-debt__rm{
    float:right;min-height:44px;min-width:44px;padding:0 2px;background:none;border:0;cursor:pointer;
    font-family:inherit;font-size:.9rem;font-weight:600;color:var(--muted);
    text-decoration:underline;text-decoration-color:transparent;text-underline-offset:3px;
    transition:color var(--t) var(--ease),text-decoration-color var(--t) var(--ease);
}
.cx-debt__rm:hover{color:var(--danger);text-decoration-color:currentColor}
.cx-debt__rm:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:6px}
.cx-debt__rm[hidden]{display:none}
.cx-debt__grid{clear:both;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 10px;align-items:end}
.cx-debt__grid .cx-field + .cx-field{margin-top:0}
.cx-debt__grid .cx-label{font-size:.86rem}
.cx-debt__grid .cx-input{padding-left:11px;padding-right:11px}
.cx-debt__grid .cx-affix--pre .cx-input{padding-left:26px}
.cx-debt__grid .cx-affix__pre{left:12px}
.cx-debt__grid .cx-affix--s .cx-input{padding-right:28px}
.cx-debt__grid .cx-affix__suf{right:11px}
.cx-add{
    display:flex;align-items:center;justify-content:center;gap:8px;width:100%;min-height:48px;margin-top:16px;
    background:#fff;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;
    font-family:inherit;font-size:.95rem;font-weight:600;color:var(--ink);
    transition:border-color var(--t) var(--ease),background var(--t) var(--ease);
    -webkit-tap-highlight-color:transparent;
}
.cx-add:hover{border-color:var(--ink-soft);background:var(--wash)}
.cx-add:focus-visible{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(50,70,95,.18)}
.cx-add svg{width:18px;height:18px}
.cx-add[hidden]{display:none}
.cx-callout--warn strong{color:inherit}
.cx .calc__row[hidden],.cx-cmp tr[hidden]{display:none}

/* ======================================== calculators v4 (2026-10-22)
   Texas home equity: its assumption notes run dense with citations, so a shorter measure. */
.cx-assume--dense li{max-width:60ch}